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市場調査レポート

リアルタイム決済の世界市場:成長、動向、および予測(2019年~2024年)

Real-Time Payments Market - Growth, Trends, and Forecast (2019 - 2024)

発行 Mordor Intelligence LLP 商品コード 910329
出版日 ページ情報 英文 117 Pages
納期: 2-3営業日
価格
本日の銀行送金レート: 1USD=109.69円で換算しております。
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リアルタイム決済の世界市場:成長、動向、および予測(2019年~2024年) Real-Time Payments Market - Growth, Trends, and Forecast (2019 - 2024)
出版日: 2019年09月01日 ページ情報: 英文 117 Pages
概要

世界のリアルタイム決済市場は、2019年から2024年の間に29.8%のCAGRで成長する見通しです。

当レポートは世界のリアルタイム決済について調査しており、市場機会や動向、成長および阻害要因、トランザクション・運営組織・エンドユーザー産業・地域別の市場分析、競合情勢、主要企業のプロファイル等の情報を提供しています。

目次

第1章 イントロダクション

  • 調査成果
  • 調査の仮定
  • 調査範囲

第2章 調査方法

第3章 エグゼクティブサマリー

第4章 市場力学

  • 市場概況
  • 市場の成長および阻害要因の概要
  • 成長要因
    • スマートフォンの普及
    • 従来の銀行業務への依存度の低下
  • 阻害要因
    • 相互運用性の欠如
  • 業界の魅力:ポーターのファイブフォース分析
    • 新規参入の脅威
    • バイヤー/消費者の交渉力
    • サプライヤーの交渉力
    • 代替製品の脅威
    • 業界内の競争
  • 技術スナップショット
    • 営業時間別

第5章 市場セグメント

  • トランザクションタイプ別
    • P2B
    • B2B
    • P2P
  • 運営組織タイプ別
  • エンドユーザー産業別
    • IT・電気通信
    • 小売
    • BFSI
    • 公益事業
    • その他
  • 地域別
    • 北米
    • 欧州
    • アジア太平洋地域
    • ラテンアメリカ
    • 中東・アフリカ地域

第6章 競合情勢

  • 企業プロファイル
    • ACI Worldwide, Inc.
    • Fiserv, Inc.
    • Paypal Holdings Inc.
    • Mastercard Inc.
    • FIS Global
    • VISA Inc.
    • Apple Inc.

第7章 投資分析

第8章 市場機会および将来動向

目次
Product Code: 66643

Market Overview

The real-time payments market is expected to register a CAGR of 29.8% during the forecast period (2019-2024). The real-time payments typically focus on low-value retail payment systems (RPS); they differ from real-time gross settlement systems (RTGS) and distributed ledger payment systems. In addition to meeting the demands and expectations, real-time payments have generated interest from the regulators, competition authorities and payment service providers alike. Regulators believe that instant payments will expand access to banking services, support economic growth, provide alternatives to Visa/Mastercard networks and reduce the use of cash and cheques.

  • The increased penetration of smartphones has meant that currently, customer expectations are high. Individuals expect to be able to make a payment anywhere and at any time, including during evening hours, weekends and on public holidays. They also want to be able to pay for and receive their purchases as fast as possible. Suppliers, on the other hand, want the certainty of payment as soon they release their goods and services. These demands have come into place due to the increased adoption rates of smartphones.
  • The reliance on traditional banking has fallen dramatically in the past, with customers demanding more convenience and flexibility. There has been an emergence of new fin-tech payment providers. This has lead to a huge boost to the real-time payments market.
  • Lack of Interoperability has affected the market adversely. It has caused the uneasiness amongst the users and thus, restricted the adoption rates of the technology.

Scope of the Report

Real-time payments are instant payments or immediate payments and are defined by the Euro Retail Payments Board (ERPB) as electronic retail payment solutions that are available 24/7/365. Immediate payments enable businesses and consumers to make and receive payments in real time, providing convenience, speed, and faster availability of funds.

Key Market Trends

Bank Led Operating Organisation is Expected to Experience a Major Market Growth

  • The distinguishing factor has been the partnership between private sector enterprises that have developed to help modernize the overall ecosystem in the absence of a centrally mandated plan. Not only do these schemes offer a strong value proposition, but they are also developed to enable interoperability to drive ubiquity. In the case of P2P transfers, the linkages with the bank promote the feeling the security in the users.
  • Neither banks nor fin-techs can address the global payment market needs alone. Although fin-techs have proven aptitude for technological development, they often lack the industry expertise, working capital, and established client trust that banks have acquired over decades. It is through partnerships, banks, and fin-techs leveraging each other's strengths that payments can be optimized through digitalization.
  • Collaborating with clients from an earlier stage is of great importance when developing innovative solutions. Given this, innovation centers physical hubs where banks, fin-techs, and clients can work together to identify and develop transformative solutions - are pivotal to fostering client-centered collaboration.

North America is Expected to Gain Largest Market Growth During the Forecast Period

  • Since the first wave of early adopters went live with The Clearing House (TCH)'s RTP network in November 2017, many other large banks have signed on for real-time payment, with hundreds of smaller institutions slated to follow.
  • As the merchants and the big institutions recognize the benefits of Real-Time Payments (RTP) in the North America region, the adoption will rapidly get boosted substantially. That is going to be a big driver in new services. merchants and billers, like utilities and health insurers, as they will begin promoting real-time payment methods.
  • The main reason for slower adoption in the United States is the lack of mandates. The RTP network represents a new phase of evolution within the U.S. payments industry and provides a platform for product innovation. Financial institutions have started leveraging a variety of features, enhanced speed, security, and messaging capabilities to create unique offerings for their retail and corporate customers.
  • Cross-border markets are opening up in the United States creating a huge opportunity for the payers. As the number of immigrants from other countries increases, cross-border disbursements is expected to become more significant, leading consumers and merchants to demand real-time payments. Real-time cross-border funds disbursements could represent an additional market and point of differentiation for payers.

Competitive Landscape

With the consumer preferences changing rapidly, the market has become a lucrative option and thus, have attracted a huge amount of investments. Due to the huge growth potential, the market is moving towards fragmentation due to the new entrants. The service providers are engaging in partnerships to promote product innovation.

  • March 2019 - PayPal is cutting down the wait time for users to get access to their cash. PayPal users can now transfer funds instantly to their bank accounts with the introduction of a new feature. The new function is a result of an ongoing partnership with J.P. Morgan Chase that allows the fin-tech company to access a real-time payments network from The Clearing House.

Reasons to Purchase this report:

  • The market estimate (ME) sheet in Excel format
  • Report customization as per the client's requirements
  • 3 months of analyst support

Table of Contents

1 INTRODUCTION

  • 1.1 Study Deliverables
  • 1.2 Study Assumptions
  • 1.3 Scope of the Study

2 RESEARCH METHODOLOGY

3 EXECUTIVE SUMMARY

4 MARKET DYNAMICS

  • 4.1 Market Overview
  • 4.2 Introduction to Market Drivers and Restraints
  • 4.3 Market Drivers
    • 4.3.1 Increased Smartphone Penetration
    • 4.3.2 Falling Reliance on Traditional Banking
  • 4.4 Market Restraints
    • 4.4.1 Lack of Interoperability
  • 4.5 Industry Attractiveness - Porter's Five Force Analysis
    • 4.5.1 Threat of New Entrants
    • 4.5.2 Bargaining Power of Buyers/Consumers
    • 4.5.3 Bargaining Power of Suppliers
    • 4.5.4 Threat of Substitute Products
    • 4.5.5 Intensity of Competitive Rivalry
  • 4.6 Technology Snapshot
    • 4.6.1 By Hours of Operation
      • 4.6.1.1 24*7
      • 4.6.1.2 Business Hours

5 MARKET SEGMENTATION

  • 5.1 By Transaction Types
    • 5.1.1 P2B
    • 5.1.2 B2B
    • 5.1.3 P2P
  • 5.2 By Type of Operating Organization
    • 5.2.1 Bank Led
    • 5.2.2 No-bank Led
  • 5.3 By End-user Industry
    • 5.3.1 IT & Telecommunications
    • 5.3.2 Retail
    • 5.3.3 BFSI
    • 5.3.4 Utilities
    • 5.3.5 Other End-user Industries
  • 5.4 Geography
    • 5.4.1 North America
    • 5.4.2 Europe
    • 5.4.3 Asia-Pacific
    • 5.4.4 Latin America
    • 5.4.5 Middle East & Africa

6 COMPETITIVE LANDSCAPE

  • 6.1 Company Profiles
    • 6.1.1 ACI Worldwide, Inc.
    • 6.1.2 Fiserv, Inc.
    • 6.1.3 Paypal Holdings Inc.
    • 6.1.4 Mastercard Inc.
    • 6.1.5 FIS Global
    • 6.1.6 VISA Inc.
    • 6.1.7 Apple Inc.

7 INVESTMENT ANALYSIS

8 MARKET OPPORTUNITIES AND FUTURE TRENDS

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