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1488633

バーチャルカードの世界市場の評価：カードタイプ別、製品タイプ別、用途別、エンドユーザー別、地域別、機会、予測（2017年～2031年）

Virtual Card Market Assessment, By Card Type, By Product Type, By Application, By End-user, By Region, Opportunities and Forecast, 2017-2031F

出版日
ページ情報
英文 243 Pages
納期
3～5営業日
カスタマイズ可能
価格
価格表記: USDを日本円(税抜)に換算
本日の銀行送金レート: 1USD=144.06円
バーチャルカードの世界市場の評価：カードタイプ別、製品タイプ別、用途別、エンドユーザー別、地域別、機会、予測（2017年～2031年）
出版日: 2024年06月05日
発行: Market Xcel - Markets and Data
ページ情報: 英文 243 Pages
納期: 3～5営業日
GIIご利用のメリット
  • 全表示
  • 概要
  • 図表
  • 目次
概要

世界のバーチャルカードの市場規模は、2024年～2031年の予測期間にCAGR 20.53％を占め、2023年の164億8,000万米ドルから2031年に733億8,000万米ドルに成長すると予測されています。バーチャルカード市場の成長促進要因は、消費者による非接触決済の採用、スマートフォンの利用の増加、トークン化などの追加セキュリティ層への要求の高まり、技術の進歩、オンライン取引の増加、費用対効果の高い特性などです。

バーチャルカードは、物理的なカードのデジタル版であり、電子形式で利用できます。主にオンライン取引に使用され、クレジットカードやデビットカードの詳細がベンダーに公開されるリスクを軽減するため、従来のカードと比較してセキュリティの層が追加されます。トークン化はランダムにクレデンシャルを生成するために利用され、カードは財務管理と統合されているため、単一または複数の取引にカードを使用することができます。

2023年12月のForbesの調査によると、アメリカ人の10％未満が買い物に現金払いを利用しています。デビットカードとクレジットカードが主な決済方法で、53%が物理またはバーチャルのデビットカードを、37%が物理またはバーチャルのクレジットカードを使用しています。eコマースソフトウェアは、競争優位性をもたらすオンラインでのプレゼンスと業務効率を推進することで、組織の成長を拡大します。このような試みは、エンドユーザーエクスペリエンスを向上させることを目的としており、予測期間に世界のバーチャルカード市場の成長を促進する見込みです。

コスト効率と強化されたセキュリティ

バーチャルカードに関連するコストは実際のカードよりもはるかに低く、ペーパーワークや物理的なカードの管理の必要性がなくなります。さらに、カードの管理は完全にオンラインで行われるため、金融機関は経営費を削減することができます。顧客は、第三者との取引で同じ番号を使い続けるのではなく、取引ごとに一度限りの固有のカード番号を与えられます。これにより、データセキュリティが大幅に強化され、eコマース詐欺や物理的なカードの盗難の可能性が大幅に減少します。APIベースのプラットフォームは、自動化、カスタマイズ、リアルタイムのコントロールを可能にし、顧客の利便性を高める。APIは既存の金融システムやソフトウェアとシームレスに統合できるため、コスト効率も向上します。

デジタルとモバイル中心のライフスタイルへのシフトが市場成長を促進

近年、スマートフォンの採用は急激に伸びています。Ericssonによると、2024年5月現在、世界人口の約60.42%がスマートフォンを所有しています。金融取引を含め、消費者の日常業務におけるスマートフォンへの依存度が高まる中、バーチャルカードはワンクリックで簡単に取引ができる便利なソリューションを提供しています。バーチャルカードは、モバイルウォレットアプリや既存のデジタルプラットフォームにシームレスに統合することができます。さらに、eコマースと越境貿易の世界的な拡大は、バーチャルカード市場の拡大に絶好の機会を提供しています。現在、eコマースは国際決済産業の成長と全体的な持続可能性に大きく寄与しています。バーチャルカードは、消費者に国境を越えたオンライン決済を安全かつ確実に行う手段を提供し、商取引のグローバリゼーション時代における強力なツールとなる可能性があります。

欧州が世界のバーチャルカードの市場シェアを独占

世界のバーチャルカード市場において、欧州が2023年にもっとも高い市場シェアを獲得し、支配的な地域に浮上しました。ドイツ、英国など、キャッシュレス取引への志向が高まっている欧州諸国が、同地域の成長を促進しています。さらに、ミレニアル世代の現金使用に対する選好が低下しており、人口の半数以上がバーチャルカードでの決済ができない店舗での買い物を避ける動向にあります。

当レポートでは、世界のバーチャルカード市場について調査分析し、市場規模と予測、市場力学、主要企業の情勢と見通しなどを提供しています。

目次

第1章 調査手法

第2章 プロジェクトの範囲と定義

第3章 エグゼクティブサマリー

第4章 顧客の声

  • 人口統計（年齢/コホート分析 - ベビーブーマー世代とX世代、ミレニアル世代、Z世代、性別、所得 - 低所得、中所得、高所得、地域、国籍など）
  • 市場の認知度と製品情報
  • ブランド認知度とロイヤルティ
  • 購入決定において考慮される要素
  • 利用目的
  • 使用頻度
  • カスタマーサポート

第5章 世界のバーチャルカード市場の見通し（2017年～2031年）

  • 市場規模と予測
    • 金額
  • カードタイプ別
    • クレジットカード
    • デビットカード
  • 製品タイプ別
    • B2Bバーチャルカード
    • B2C遠隔決済バーチャルカード
    • B2C POSバーチャルカード
  • 用途別
    • 消費者利用
    • ビジネス利用
  • エンドユーザー別
    • 個人
    • 企業
  • 地域別
    • 北米
    • 南米
    • 欧州
    • アジア太平洋
    • 中東・アフリカ
  • 市場シェア：企業別（2023年）

第6章 世界のバーチャルカード市場の見通し：地域別（2017年～2031年）

  • 北米
    • 市場規模と予測
    • カードタイプ別
    • 製品タイプ別
    • 用途別
    • エンドユーザー別
    • 米国
    • カナダ
    • メキシコ
  • 欧州
    • ドイツ
    • フランス
    • イタリア
    • 英国
    • ロシア
    • オランダ
    • スペイン
    • トルコ
    • ポーランド
  • 南米
    • ブラジル
    • アルゼンチン
  • アジア太平洋
    • インド
    • 中国
    • 日本
    • オーストラリア
    • ベトナム
    • 韓国
    • インドネシア
    • フィリピン
  • 中東・アフリカ
    • サウジアラビア
    • アラブ首長国連邦
    • 南アフリカ

第7章 市場マッピング（2023年）

  • カードタイプ別
  • 製品タイプ別
  • 用途別
  • エンドユーザー別
  • 地域別

第8章 マクロ環境と産業構造

  • 需給分析
  • 規制コンプライアンス
  • バリューチェーン分析
  • PESTEL分析
  • ポーターのファイブフォース分析

第9章 市場力学

  • 成長促進要因
  • 成長抑制要因（課題、抑制要因）

第10章 主要企業の情勢

  • マーケットリーダー上位5社の競合マトリクス
  • マーケットリーダー上位5社の市場収益分析（金額）（2023年）
  • 合併と買収/合弁事業（該当する場合）
  • SWOT分析（市場企業5社）
  • 特許分析（該当する場合）

第11章 取引手数料分析

第12章 ケーススタディ

第13章 主要企業の見通し

  • American Express International Inc.
  • Marqeta Inc.
  • JPMorgan Chase & Co.
  • Mastercard Inc.
  • Visa Inc.
  • Stripe Inc.
  • Revolut Limited
  • Citigroup Inc.
  • Capital One Financial Corporation
  • The Hongkong and Shanghai Banking Corporation Limited (HSBC)

第14章 戦略的推奨

第15章 当社について、免責事項

図表

List of Tables

  • Table 1. Pricing Analysis of Products from Key Players
  • Table 2. Competition Matrix of Top 5 Market Leaders
  • Table 3. Mergers & Acquisitions/ Joint Ventures (If Applicable)
  • Table 4. About Us - Regions and Countries Where We Have Executed Client Projects

List of Figures

  • Figure 1.Global Virtual Card Market, By Value, In USD Billion, 2017-2031F
  • Figure 2.Global Virtual Card Market Share (%), By Card Type, 2017-2031F
  • Figure 3.Global Virtual Card Market Share (%), By Product Type, 2017-2031F
  • Figure 4.Global Virtual Card Market Share (%), By Application, 2017-2031F
  • Figure 5.Global Virtual Card Market Share (%), By End-user, 2017-2031F
  • Figure 6.Global Virtual Card Market Share (%), By Region, 2017-2031F
  • Figure 7.North America Virtual Card Market, By Value, In USD Billion, 2017-2031F
  • Figure 8.North America Virtual Card Market Share (%), By Card Type, 2017-2031F
  • Figure 9.North America Virtual Card Market Share (%), By Product Type, 2017-2031F
  • Figure 10.North America Virtual Card Market Share (%), By Application, 2017-2031F
  • Figure 11.North America Virtual Card Market Share (%), By End-user, 2017-2031F
  • Figure 12.North America Virtual Card Market Share (%), By Country, 2017-2031F
  • Figure 13.United States Virtual Card Market, By Value, In USD Billion, 2017-2031F
  • Figure 14.United States Virtual Card Market Share (%), By Card Type, 2017-2031F
  • Figure 15.United States Virtual Card Market Share (%), By Product Type, 2017-2031F
  • Figure 16.United States Virtual Card Market Share (%), By Application, 2017-2031F
  • Figure 17.United States Virtual Card Market Share (%), By End-user, 2017-2031F
  • Figure 18.Canada Virtual Card Market, By Value, In USD Billion, 2017-2031F
  • Figure 19.Canada Virtual Card Market Share (%), By Card Type, 2017-2031F
  • Figure 20.Canada Virtual Card Market Share (%), By Product Type, 2017-2031F
  • Figure 21.Canada Virtual Card Market Share (%), By Application, 2017-2031F
  • Figure 22.Canada Virtual Card Market Share (%), By End-user, 2017-2031F
  • Figure 23.Mexico Virtual Card Market, By Value, In USD Billion, 2017-2031F
  • Figure 24.Mexico Virtual Card Market Share (%), By Card Type, 2017-2031F
  • Figure 25.Mexico Virtual Card Market Share (%), By Product Type, 2017-2031F
  • Figure 26.Mexico Virtual Card Market Share (%), By Application, 2017-2031F
  • Figure 27.Mexico Virtual Card Market Share (%), By End-user, 2017-2031F
  • Figure 28.Europe Virtual Card Market, By Value, In USD Billion, 2017-2031F
  • Figure 29.Europe Virtual Card Market Share (%), By Card Type, 2017-2031F
  • Figure 30.Europe Virtual Card Market Share (%), By Product Type, 2017-2031F
  • Figure 31.Europe Virtual Card Market Share (%), By Application, 2017-2031F
  • Figure 32.Europe Virtual Card Market Share (%), By End-user, 2017-2031F
  • Figure 33.Europe Virtual Card Market Share (%), By Country, 2017-2031F
  • Figure 34.Germany Virtual Card Market, By Value, In USD Billion, 2017-2031F
  • Figure 35.Germany Virtual Card Market Share (%), By Card Type, 2017-2031F
  • Figure 36.Germany Virtual Card Market Share (%), By Product Type, 2017-2031F
  • Figure 37.Germany Virtual Card Market Share (%), By Application, 2017-2031F
  • Figure 38.Germany Virtual Card Market Share (%), By End-user, 2017-2031F
  • Figure 39.France Virtual Card Market, By Value, In USD Billion, 2017-2031F
  • Figure 40.France Virtual Card Market Share (%), By Card Type, 2017-2031F
  • Figure 41.France Virtual Card Market Share (%), By Product Type, 2017-2031F
  • Figure 42.France Virtual Card Market Share (%), By Application, 2017-2031F
  • Figure 43.France Virtual Card Market Share (%), By End-user, 2017-2031F
  • Figure 44.Italy Virtual Card Market, By Value, In USD Billion, 2017-2031F
  • Figure 45.Italy Virtual Card Market Share (%), By Card Type, 2017-2031F
  • Figure 46.Italy Virtual Card Market Share (%), By Product Type, 2017-2031F
  • Figure 47.Italy Virtual Card Market Share (%), By Application, 2017-2031F
  • Figure 48.Italy Virtual Card Market Share (%), By End-user, 2017-2031F
  • Figure 49.United Kingdom Virtual Card Market, By Value, In USD Billion, 2017-2031F
  • Figure 50.United Kingdom Virtual Card Market Share (%), By Card Type, 2017-2031F
  • Figure 51.United Kingdom Virtual Card Market Share (%), By Product Type, 2017-2031F
  • Figure 52.United Kingdom Virtual Card Market Share (%), By Application, 2017-2031F
  • Figure 53.United Kingdom Virtual Card Market Share (%), By End-user, 2017-2031F
  • Figure 54.Russia Virtual Card Market, By Value, In USD Billion, 2017-2031F
  • Figure 55.Russia Virtual Card Market Share (%), By Card Type, 2017-2031F
  • Figure 56.Russia Virtual Card Market Share (%), By Product Type, 2017-2031F
  • Figure 57.Russia Virtual Card Market Share (%), By Application, 2017-2031F
  • Figure 58.Russia Virtual Card Market Share (%), By End-user, 2017-2031F
  • Figure 59.Netherlands Virtual Card Market, By Value, In USD Billion, 2017-2031F
  • Figure 60.Netherlands Virtual Card Market Share (%), By Card Type, 2017-2031F
  • Figure 61.Netherlands Virtual Card Market Share (%), By Product Type, 2017-2031F
  • Figure 62.Netherlands Virtual Card Market Share (%), By Application, 2017-2031F
  • Figure 63.Netherlands Virtual Card Market Share (%), By End-user, 2017-2031F
  • Figure 64.Spain Virtual Card Market, By Value, In USD Billion, 2017-2031F
  • Figure 65.Spain Virtual Card Market Share (%), By Card Type, 2017-2031F
  • Figure 66.Spain Virtual Card Market Share (%), By Product Type, 2017-2031F
  • Figure 67.Spain Virtual Card Market Share (%), By Application, 2017-2031F
  • Figure 68.Spain Virtual Card Market Share (%), By End-user, 2017-2031F
  • Figure 69.Turkey Virtual Card Market, By Value, In USD Billion, 2017-2031F
  • Figure 70.Turkey Virtual Card Market Share (%), By Card Type, 2017-2031F
  • Figure 71.Turkey Virtual Card Market Share (%), By Product Type, 2017-2031F
  • Figure 72.Turkey Virtual Card Market Share (%), By Application, 2017-2031F
  • Figure 73.Turkey Virtual Card Market Share (%), By End-user, 2017-2031F
  • Figure 74.Poland Virtual Card Market, By Value, In USD Billion, 2017-2031F
  • Figure 75.Poland Virtual Card Market Share (%), By Card Type, 2017-2031F
  • Figure 76.Poland Virtual Card Market Share (%), By Product Type, 2017-2031F
  • Figure 77.Poland Virtual Card Market Share (%), By Application, 2017-2031F
  • Figure 78.Poland Virtual Card Market Share (%), By End-user, 2017-2031F
  • Figure 79.South America Virtual Card Market, By Value, In USD Billion, 2017-2031F
  • Figure 80.South America Virtual Card Market Share (%), By Card Type, 2017-2031F
  • Figure 81.South America Virtual Card Market Share (%), By Product Type, 2017-2031F
  • Figure 82.South America Virtual Card Market Share (%), By Application, 2017-2031F
  • Figure 83.South America Virtual Card Market Share (%), By End-user, 2017-2031F
  • Figure 84.South America Virtual Card Market Share (%), By Country, 2017-2031F
  • Figure 85.Brazil Virtual Card Market, By Value, In USD Billion, 2017-2031F
  • Figure 86.Brazil Virtual Card Market Share (%), By Card Type, 2017-2031F
  • Figure 87.Brazil Virtual Card Market Share (%), By Product Type, 2017-2031F
  • Figure 88.Brazil Virtual Card Market Share (%), By Application, 2017-2031F
  • Figure 89.Brazil Virtual Card Market Share (%), By End-user, 2017-2031F
  • Figure 90.Argentina Virtual Card Market, By Value, In USD Billion, 2017-2031F
  • Figure 91.Argentina Virtual Card Market Share (%), By Card Type, 2017-2031F
  • Figure 92.Argentina Virtual Card Market Share (%), By Product Type, 2017-2031F
  • Figure 93.Argentina Virtual Card Market Share (%), By Application, 2017-2031F
  • Figure 94.Argentina Virtual Card Market Share (%), By End-user, 2017-2031F
  • Figure 95.Asia-Pacific Virtual Card Market, By Value, In USD Billion, 2017-2031F
  • Figure 96.Asia-Pacific Virtual Card Market Share (%), By Card Type, 2017-2031F
  • Figure 97.Asia-Pacific Virtual Card Market Share (%), By Product Type, 2017-2031F
  • Figure 98.Asia-Pacific Virtual Card Market Share (%), By Application, 2017-2031F
  • Figure 99.Asia-Pacific Virtual Card Market Share (%), By End-user, 2017-2031F
  • Figure 100.Asia-Pacific Virtual Card Market Share (%), By Country, 2017-2031F
  • Figure 101.India Virtual Card Market, By Value, In USD Billion, 2017-2031F
  • Figure 102.India Virtual Card Market Share (%), By Card Type, 2017-2031F
  • Figure 103.India Virtual Card Market Share (%), By Product Type, 2017-2031F
  • Figure 104.India Virtual Card Market Share (%), By Application, 2017-2031F
  • Figure 105.India Virtual Card Market Share (%), By End-user, 2017-2031F
  • Figure 106.China Virtual Card Market, By Value, In USD Billion, 2017-2031F
  • Figure 107.China Virtual Card Market Share (%), By Card Type, 2017-2031F
  • Figure 108.China Virtual Card Market Share (%), By Product Type, 2017-2031F
  • Figure 109.China Virtual Card Market Share (%), By Application, 2017-2031F
  • Figure 110.China Virtual Card Market Share (%), By End-user, 2017-2031F
  • Figure 111.Japan Virtual Card Market, By Value, In USD Billion, 2017-2031F
  • Figure 112.Japan Virtual Card Market Share (%), By Card Type, 2017-2031F
  • Figure 113.Japan Virtual Card Market Share (%), By Product Type, 2017-2031F
  • Figure 114.Japan Virtual Card Market Share (%), By Application, 2017-2031F
  • Figure 115.Japan Virtual Card Market Share (%), By End-user, 2017-2031F
  • Figure 116.Australia Virtual Card Market, By Value, In USD Billion, 2017-2031F
  • Figure 117.Australia Virtual Card Market Share (%), By Card Type, 2017-2031F
  • Figure 118.Australia Virtual Card Market Share (%), By Product Type, 2017-2031F
  • Figure 119.Australia Virtual Card Market Share (%), By Application, 2017-2031F
  • Figure 120.Australia Virtual Card Market Share (%), By End-user, 2017-2031F
  • Figure 121.Vietnam Virtual Card Market, By Value, In USD Billion, 2017-2031F
  • Figure 122.Vietnam Virtual Card Market Share (%), By Card Type, 2017-2031F
  • Figure 123.Vietnam Virtual Card Market Share (%), By Product Type, 2017-2031F
  • Figure 124.Vietnam Virtual Card Market Share (%), By Application, 2017-2031F
  • Figure 125.Vietnam Virtual Card Market Share (%), By End-user, 2017-2031F
  • Figure 126.South Korea Virtual Card Market, By Value, In USD Billion, 2017-2031F
  • Figure 127.South Korea Virtual Card Market Share (%), By Card Type, 2017-2031F
  • Figure 128.South Korea Virtual Card Market Share (%), By Product Type, 2017-2031F
  • Figure 129.South Korea Virtual Card Market Share (%), By Application, 2017-2031F
  • Figure 130.South Korea Virtual Card Market Share (%), By End-user, 2017-2031F
  • Figure 131.Indonesia Virtual Card Market, By Value, In USD Billion, 2017-2031F
  • Figure 132.Indonesia Virtual Card Market Share (%), By Card Type, 2017-2031F
  • Figure 133.Indonesia Virtual Card Market Share (%), By Product Type, 2017-2031F
  • Figure 134.Indonesia Virtual Card Market Share (%), By Application, 2017-2031F
  • Figure 135.Indonesia Virtual Card Market Share (%), By End-user, 2017-2031F
  • Figure 136.Philippines Virtual Card Market, By Value, In USD Billion, 2017-2031F
  • Figure 137.Philippines Virtual Card Market Share (%), By Card Type, 2017-2031F
  • Figure 138.Philippines Virtual Card Market Share (%), By Product Type, 2017-2031F
  • Figure 139.Philippines Virtual Card Market Share (%), By Application, 2017-2031F
  • Figure 140.Philippines Virtual Card Market Share (%), By End-user, 2017-2031F
  • Figure 141.Middle East & Africa Virtual Card Market, By Value, In USD Billion, 2017-2031F
  • Figure 142.Middle East & Africa Virtual Card Market Share (%), By Card Type, 2017-2031F
  • Figure 143.Middle East & Africa Virtual Card Market Share (%), By Product Type, 2017-2031F
  • Figure 144.Middle East & Africa Virtual Card Market Share (%), By Application, 2017-2031F
  • Figure 145.Middle East & Africa Virtual Card Market Share (%), By End-user, 2017-2031F
  • Figure 146.Middle East & Africa Virtual Card Market Share (%), By Country, 2017-2031F
  • Figure 147.Saudi Arabia Virtual Card Market, By Value, In USD Billion, 2017-2031F
  • Figure 148.Saudi Arabia Virtual Card Market Share (%), By Card Type, 2017-2031F
  • Figure 149.Saudi Arabia Virtual Card Market Share (%), By Product Type, 2017-2031F
  • Figure 150.Saudi Arabia Virtual Card Market Share (%), By Application, 2017-2031F
  • Figure 151.Saudi Arabia Virtual Card Market Share (%), By End-user, 2017-2031F
  • Figure 152.UAE Virtual Card Market, By Value, In USD Billion, 2017-2031F
  • Figure 153.UAE Virtual Card Market Share (%), By Card Type, 2017-2031F
  • Figure 154.UAE Virtual Card Market Share (%), By Product Type, 2017-2031F
  • Figure 155.UAE Virtual Card Market Share (%), By Application, 2017-2031F
  • Figure 156.UAE Virtual Card Market Share (%), By End-user, 2017-2031F
  • Figure 157.South Africa Virtual Card Market, By Value, In USD Billion, 2017-2031F
  • Figure 158.South Africa Virtual Card Market Share (%), By Card Type, 2017-2031F
  • Figure 159.South Africa Virtual Card Market Share (%), By Product Type, 2017-2031F
  • Figure 160.South Africa Virtual Card Market Share (%), By Application, 2017-2031F
  • Figure 161.South Africa Virtual Card Market Share (%), By End-user, 2017-2031F
  • Figure 162.By Card Type Map-Market Size (USD Billion) & Growth Rate (%), 2023
  • Figure 163.By Product Type Map-Market Size (USD Billion) & Growth Rate (%), 2023
  • Figure 164.By Application Map-Market Size (USD Billion) & Growth Rate (%), 2023
  • Figure 165.By End-user Map-Market Size (USD Billion) & Growth Rate (%), 2023
  • Figure 166.By Region Map-Market Size (USD Billion) & Growth Rate (%), 2023
目次
Product Code: MX11422

Global virtual card market is projected to witness a CAGR of 20.53% during the forecast period 2024-2031F, growing from USD 16.48 billion in 2023 to USD 73.38 billion in 2031. Factors driving the growth of virtual cards market are the adoption of contactless payment by consumers, increase in the use of smartphones, increasing requirement for additional layers of security such as tokenization, technological advancements, rise in online transactions, and cost-effective features.

A virtual card is a digital counterpart of a physical card which is available in electronic form. It is primarily used for online transactions and provides added layers of security in comparison to traditional card as it reduces the risk of exposing credit or debit card detail to the vendors. Tokenization is utilized to generate credentials at random, and the cards are integrated with financial controls which allows to use the card for single or multiple-use transactions.

According to a Forbes survey in December 2023, less than 10% of Americans use cash payment methods for purchases. Debit cards and credit cards are the primary payment methods used, with 53% using a physical or virtual debit card and 37% using a physical or virtual credit card. E-commerce software expands organizational growth by encouraging online presence and operational efficiencies enabling a competitive edge. These attempts aim to improve end-user experiences and are steady to propel global virtual cards market growth during the forecast period.

Cost-Efficiency and Enhanced Security

The costs associated with virtual cards are much less than actuals cards, they eliminate the need for paperwork and managing physical cards. Moreover, since the management of cards is completely online, financial institutions can reduce their operating expenses. Customers are given a unique one-time card number for each transaction rather than continuously using the same number for third-party transactions. It significantly enhances data security and greatly reduces the possibility of e-commerce fraud and theft of physical cards. API based platforms allow automation, customization, and real time control making it convenient for the customers to use. API's integrate seamlessly with the existing financial system and software, hence increasing the cost-efficiency.

Shift Towards Digital and Mobile Centric Lifestyle to Drive the Market Growth

The adoption of smartphones in recent years has seen an exponential growth. According to Ericsson, as of May 2024, approx. 60.42% of the world population owns a smartphone. As consumers increasingly rely on smartphones for their everyday tasks, including financial transactions, virtual cards offer a convenient solution by enabling easy, one-click transactions. Virtual cards can be seamlessly integrated into mobile wallet applications and existing digital platforms. Moreover, the global expansion of e-commerce and cross-border trade provides an excellent opportunity for the virtual card market to expand. Currently, e-commerce contributes significantly to the growth and overall sustainability of the international payment industry. Virtual cards would provide the consumer a safe and secure means of making online payments across border, turning virtual cards into a powerful tool in times of globalized commerce.

Europe is Dominating Global Virtual Card Market Share

Europe has emerged as the dominant region in the global virtual card market in 2023 with the highest market share. European countries such as Germany, the United Kingdom, and others with a rising inclination towards cashless transactions are driving growth in the region. Furthermore, millennials' preferences for the usage of cash are decreasing and more than half of the population is likely to avoid shopping at stores that do not offer to pay through a virtual card.

Asia-Pacific is the fastest-growing region in the world due to the rise in the use of smartphones in highly populated countries such as China, India, and Japan. The penetration of smartphone usage has led to a rise in digital payments among consumers, creating the demand for virtual card payments in the region. According to data by the Press Information Bureau, more than 40% of all payments made in India are digital.

Credit Cards to Dominate Global Virtual Card Market

In 2023, the credit card segment will have the largest share of the global virtual card market. Companies have moved to centralized and managed payment methods, such as virtual credit cards, to reduce the risk of corporate fraud. According to Forbes, more than a third of consumers, or up to 35 percent, primarily use credit cards to earn rewards. In February 2024, Capital One announced the acquisition of Discover Financial Services in a stock-only transaction of USD 35.3 billion. The acquisition would give Capital One access to a credit card network of more than 300 million cardholders, increasing the size of virtual card owners as well.

The debit card segment is expected to grow significantly by drivers such as growth in net banking users across the globe, which will, in turn, drive the virtual card market growth. According to data, as of March 2023, the United Kingdom had 100 million debit cards circulating in the country with a population of 66 million. There were 2.1 billion debit transactions, which is a 5.1 percent increase.

B2B Virtual Cards to Rule the Market

The B2B virtual cards segment rules the market. Companies operating in banking, financial services, and insurance (BFSI), e-commerce, healthcare and life sciences, education, utilities, retail, and others are the key contributors to market growth in this segment. Due to the increase in the use of virtual cards, there is an opportunity for suppliers to establish a relationship with their business clients. It automates each step of business-to-business transactions, removing the need for manual intervention, indirectly lessening the workload of the accounts payable department and cutting costs related to the overall payment process. In July 2023, Mastercard teamed with Billtrust to launch a new service in business-to-business payment, "Mastercard Receivables Manager". With this tool, companies can process payments without requiring, collecting, and entering virtual card information, and it simplifies the invoice reconciliation process.

Future Market Scenario (2024 - 2031F)

Recently, Visa Inc. announced an addition to its Visa Account Attack Intelligence (VAAI), VAAI Score. It is a new tool which uses generative AI-powered fraud solutions to identify and score enumeration attacks and reduce operating losses. It assigns each transaction with a risk score in real-time to detect enumeration attacks in card-not-present transactions. Such advancements in technology along with AI tools will boost the growth of global virtual card market.

Key Players Landscape and Outlook

The virtual card market is rapidly evolving, driven by the increasing need for secure and efficient digital payments. The market is highly competitive as leading players collaborate with technology-based firms to improve banking services through various business techniques.

Recently, Visa Inc. and J.P. Morgan Payments announced a strategic collaboration to improve merchant experiences, empower cardholders, and drive innovation for J.P. Morgan Payments' customers through the Visa Direct network. Its payments will empower merchants, businesses, and fintech to set faster domestic payments into their solutions, including Push to Card payment rail, providing fast and secure movement of funds directly to recipients' bank accounts by leveraging the debit card credential.

Table of Contents

1.Research Methodology

2.Project Scope and Definitions

3.Executive Summary

4.Voice of Customer

  • 4.1.Demographics (Age/Cohort Analysis - Baby Boomers and GenX, Millennials, Gen Z; Gender; Income - Low, Mid and High; Geography; Nationality; etc.)
  • 4.2.Market Awareness and Product Information
  • 4.3.Brand Awareness and Loyalty
  • 4.4.Factors Considered in Purchase Decision
    • 4.4.1.Card Type
    • 4.4.2.Spending Limit
    • 4.4.3.Transaction Fees
    • 4.4.4.Lifespan
    • 4.4.5.Security
    • 4.4.6.Rewards and Benefits
  • 4.5.Purpose of Usage
  • 4.6.Frequency of Usage
  • 4.7.Customer Support

5.Global Virtual Card Market Outlook, 2017-2031F

  • 5.1.Market Size & Forecast
    • 5.1.1.By Value
  • 5.2.By Card Type
    • 5.2.1.Credit Card
    • 5.2.2.Debit Card
  • 5.3.By Product Type
    • 5.3.1.B2B Virtual Cards
    • 5.3.2.B2C Remote Payment Virtual Cards
    • 5.3.3.B2C POS Virtual Cards
  • 5.4.By Application
    • 5.4.1.Consumer Use
    • 5.4.2.Business Use
  • 5.5.By End-user
    • 5.5.1.Individuals
    • 5.5.2.Businesses
  • 5.6.By Region
    • 5.6.1.North America
    • 5.6.2.South America
    • 5.6.3.Europe
    • 5.6.4.Asia-Pacific
    • 5.6.5.Middle East and Africa
  • 5.7.By Company Market Share (%), 2023

6.Global Virtual Card Market Outlook, By Region, 2017-2031F

  • 6.1.North America*
    • 6.1.1.Market Size & Forecast
      • 6.1.1.1.By Value
    • 6.1.2.By Card Type
      • 6.1.2.1.Credit Cards
      • 6.1.2.2.Debit Cards
    • 6.1.3.By Product Type
      • 6.1.3.1.B2B Virtual Cards
      • 6.1.3.2.B2C Remote Payment Virtual Cards
      • 6.1.3.3.B2C POS Virtual Cards
    • 6.1.4.By Application
      • 6.1.4.1.Consumer Use
      • 6.1.4.2.Business Use
    • 6.1.5.By End-user
      • 6.1.5.1.Individuals
      • 6.1.5.2.Businesses
    • 6.1.6.United States*
      • 6.1.6.1.Market Size & Forecast
        • 6.1.6.1.1.By Value
      • 6.1.6.2.By Card Type
        • 6.1.6.2.1.Credit Card
        • 6.1.6.2.2.Debit Card
      • 6.1.6.3.By Product Type
        • 6.1.6.3.1.B2B Virtual Cards
        • 6.1.6.3.2.B2C Remote Payment Virtual Cards
        • 6.1.6.3.3.B2C POS Virtual Cards
      • 6.1.6.4.By Application
        • 6.1.6.4.1.Consumer Use
        • 6.1.6.4.2.Business Use
      • 6.1.6.5.By End-user
        • 6.1.6.5.1.Individuals
        • 6.1.6.5.2.Businesses
    • 6.1.7.Canada
    • 6.1.8.Mexico

All segments will be provided for all regions and countries covered

  • 6.2.Europe
    • 6.2.1.Germany
    • 6.2.2.France
    • 6.2.3.Italy
    • 6.2.4.United Kingdom
    • 6.2.5.Russia
    • 6.2.6.Netherlands
    • 6.2.7.Spain
    • 6.2.8.Turkey
    • 6.2.9.Poland
  • 6.3.South America
    • 6.3.1.Brazil
    • 6.3.2.Argentina
  • 6.4.Asia-Pacific
    • 6.4.1.India
    • 6.4.2.China
    • 6.4.3.Japan
    • 6.4.4.Australia
    • 6.4.5.Vietnam
    • 6.4.6.South Korea
    • 6.4.7.Indonesia
    • 6.4.8.Philippines
  • 6.5.Middle East and Africa
    • 6.5.1.Saudi Arabia
    • 6.5.2.UAE
    • 6.5.3.South Africa

7.Market Mapping, 2023

  • 7.1.By Card Type
  • 7.2.By Product Type
  • 7.3.By Application
  • 7.4.By End-user
  • 7.5.By Region

8.Macro Environment and Industry Structure

  • 8.1.Supply Demand Analysis
  • 8.2.Regulatory Compliance
  • 8.3.Value Chain Analysis
  • 8.4.PESTEL Analysis
    • 8.4.1.Political Factors
    • 8.4.2.Economic System
    • 8.4.3.Social Implications
    • 8.4.4.Technological Advancements
    • 8.4.5.Environmental Impacts
    • 8.4.6.Legal Compliances and Regulatory Policies (Statutory Bodies Included)
  • 8.5.Porter's Five Forces Analysis
    • 8.5.1.Supplier Power
    • 8.5.2.Buyer Power
    • 8.5.3.Substitution Threat
    • 8.5.4.Threat from New Entrant
    • 8.5.5.Competitive Rivalry

9.Market Dynamics

  • 9.1.Growth Drivers
  • 9.2.Growth Inhibitors (Challenges and Restraints)

10.Key Players Landscape

  • 10.1.Competition Matrix of Top Five Market Leaders
  • 10.2.Market Revenue Analysis of Top Five Market Leaders (By Value, 2023)
  • 10.3.Mergers and Acquisitions/Joint Ventures (If Applicable)
  • 10.4.SWOT Analysis (For Five Market Players)
  • 10.5.Patent Analysis (If Applicable)

11.Transaction Fees Analysis

12.Case Studies

13.Key Players Outlook

  • 13.1.American Express International Inc.
    • 13.1.1.Company Details
    • 13.1.2.Key Management Personnel
    • 13.1.3.Products and Services
    • 13.1.4.Financials (As reported)
    • 13.1.5.Key Market Focus and Geographical Presence
    • 13.1.6.Recent Developments
  • 13.2.Marqeta Inc.
  • 13.3.JPMorgan Chase & Co.
  • 13.4.Mastercard Inc.
  • 13.5.Visa Inc.
  • 13.6.Stripe Inc.
  • 13.7.Revolut Limited
  • 13.8.Citigroup Inc.
  • 13.9.Capital One Financial Corporation
  • 13.10.The Hongkong and Shanghai Banking Corporation Limited (HSBC)

Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work

14.Strategic Recommendations

15.About Us and Disclaimer