市場調査レポート

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1592791

リアルタイム決済市場の評価：コンポーネント・展開・決済タイプ・企業規模・エンドユーザー・地域別の機会および予測 (2017-2031年)

Real-time Payments Market Assessment, By Component, By Deployment, By Payment Type, By Enterprise Size, By End-user, By Region, Opportunities and Forecast, 2017-2031F

出版日: 2024年11月19日
発行: Market Xcel - Markets and Data
ページ情報: 英文 226 Pages
納期: 3～5営業日

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全表示
概要
図表
目次

概要

サンプル依頼リストに入れる

世界のリアルタイム決済の市場規模は、2023年の241億6,000万米ドルから、予測期間中はCAGR 25.22%で推移し、2031年には1,460億4,000万米ドルに成長すると予測されています。

予測期間における同市場の高成長には、さまざまな要因が寄与しています。スマートフォンやデジタルバンキングアプリケーションの普及により、決済プラットフォームに簡単にアクセスできるようになり、リアルタイム決済 (RTP) 市場の普及が加速しています。クラウドベースのソリューションは、膨大な数のトランザクションの処理を容易にするため、待ち時間が短縮され、ユーザーにとってより迅速な取引が可能になります。高速で簡単な決済システムに対する消費者の需要の高まりは、旧来の決済形式では新たな需要に対応できないため、市場成長の原動力となると思われます。

デジタル決済における政府の取り組みは、製品やサービスが金融包摂を強化し、円滑な決済エコシステムを構築する上で非常に重要です。AI、IoT、ブロックチェーンなどの技術的進歩は、RTPシステムがユーザーを引き付けるために安全で迅速な構造で進化し続ける中で、システムを最新に保ち続けています。また、COVID-19パンデミックの広がりが非接触デジタル決済を大きく後押ししました。活況を呈するeコマースでは、消費者の満足度を高めるために即時決済ソリューションが必要とされています。さらに、規制当局による円滑化により、RTPの安全な適応環境が整いつつあります。

当レポートでは、世界のリアルタイム決済の市場を調査し、市場の定義と概要、市場規模の推移・予測、各種区分・地域/主要国別の詳細分析、産業構造、市場成長への影響因子の分析、ケーススタディ、競合情勢、主要企業のプロファイルなどをまとめています。

市場リーダー上位5社の競合マトリックス
上位5社のSWOT分析
上位10社の情勢
- ACI Worldwide, Inc.
- Mastercard Incorporated
- Finastra
- Worldpay, Inc.
- PayPal Holdings, Inc.
- Fidelity National Information Services, Inc. (FIS Inc.)
- Payrix Solutions, LLC
- Temenos AG
- Montran Corporation
- Capgemini SE

第19章戦略的提言

第20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 Real-time Payments Market, By Value, In USD Billion, 2017-2031F
Figure 2. Global Real-time Payments Market Share (%), By Component, 2017-2031F
Figure 3. Global Real-time Payments Market Share (%), By Deployment, 2017-2031F
Figure 4. Global Real-time Payments Market Share (%), By Payment Type, 2017-2031F
Figure 5. Global Real-time Payments Market Share (%), By Enterprise Size, 2017-2031F
Figure 6. Global Real-time Payments Market Share (%), By End-user, 2017-2031F
Figure 7. Global Real-time Payments Market Share (%), By Region, 2017-2031F
Figure 8. North America Real-time Payments Market, By Value, In USD Billion, 2017-2031F
Figure 9. North America Real-time Payments Market Share (%), By Component, 2017-2031F
Figure 10. North America Real-time Payments Market Share (%), By Deployment, 2017-2031F
Figure 11. North America Real-time Payments Market Share (%), By Payment Type, 2017-2031F
Figure 12. North America Real-time Payments Market Share (%), By Enterprise Size, 2017-2031F
Figure 13. North America Real-time Payments Market Share (%), By End-user, 2017-2031F
Figure 14. North America Real-time Payments Market Share (%), By Country, 2017-2031F
Figure 15. United States Real-time Payments Market, By Value, In USD Billion, 2017-2031F
Figure 16. United States Real-time Payments Market Share (%), By Component, 2017-2031F
Figure 17. United States Real-time Payments Market Share (%), By Deployment, 2017-2031F
Figure 18. United States Real-time Payments Market Share (%), By Payment Type, 2017-2031F
Figure 19. United States Real-time Payments Market Share (%), By Enterprise Size, 2017-2031F
Figure 20. United States Real-time Payments Market Share (%), By End-user, 2017-2031F
Figure 21. Canada Real-time Payments Market, By Value, In USD Billion, 2017-2031F
Figure 22. Canada Real-time Payments Market Share (%), By Component, 2017-2031F
Figure 23. Canada Real-time Payments Market Share (%), By Deployment, 2017-2031F
Figure 24. Canada Real-time Payments Market Share (%), By Payment Type, 2017-2031F
Figure 25. Canada Real-time Payments Market Share (%), By Enterprise Size, 2017-2031F
Figure 26. Canada Real-time Payments Market Share (%), By End-user, 2017-2031F
Figure 27. Mexico Real-time Payments Market, By Value, In USD Billion, 2017-2031F
Figure 28. Mexico Real-time Payments Market Share (%), By Component, 2017-2031F
Figure 29. Mexico Real-time Payments Market Share (%), By Deployment, 2017-2031F
Figure 30. Mexico Real-time Payments Market Share (%), By Payment Type, 2017-2031F
Figure 31. Mexico Real-time Payments Market Share (%), By Enterprise Size, 2017-2031F
Figure 32. Mexico Real-time Payments Market Share (%), By End-user, 2017-2031F
Figure 33. Europe Real-time Payments Market, By Value, In USD Billion, 2017-2031F
Figure 34. Europe Real-time Payments Market Share (%), By Component, 2017-2031F
Figure 35. Europe Real-time Payments Market Share (%), By Deployment, 2017-2031F
Figure 36. Europe Real-time Payments Market Share (%), By Payment Type, 2017-2031F
Figure 37. Europe Real-time Payments Market Share (%), By Enterprise Size, 2017-2031F
Figure 38. Europe Real-time Payments Market Share (%), By End-user, 2017-2031F
Figure 39. Europe Real-time Payments Market Share (%), By Country, 2017-2031F
Figure 40. Germany Real-time Payments Market, By Value, In USD Billion, 2017-2031F
Figure 41. Germany Real-time Payments Market Share (%), By Component, 2017-2031F
Figure 42. Germany Real-time Payments Market Share (%), By Deployment, 2017-2031F
Figure 43. Germany Real-time Payments Market Share (%), By Payment Type, 2017-2031F
Figure 44. Germany Real-time Payments Market Share (%), By Enterprise Size, 2017-2031F
Figure 45. Germany Real-time Payments Market Share (%), By End-user, 2017-2031F
Figure 46. France Real-time Payments Market, By Value, In USD Billion, 2017-2031F
Figure 47. France Real-time Payments Market Share (%), By Component, 2017-2031F
Figure 48. France Real-time Payments Market Share (%), By Deployment, 2017-2031F
Figure 49. France Real-time Payments Market Share (%), By Payment Type, 2017-2031F
Figure 50. France Real-time Payments Market Share (%), By Enterprise Size, 2017-2031F
Figure 51. France Real-time Payments Market Share (%), By End-user, 2017-2031F
Figure 52. Italy Real-time Payments Market, By Value, In USD Billion, 2017-2031F
Figure 53. Italy Real-time Payments Market Share (%), By Component, 2017-2031F
Figure 54. Italy Real-time Payments Market Share (%), By Deployment, 2017-2031F
Figure 55. Italy Real-time Payments Market Share (%), By Payment Type, 2017-2031F
Figure 56. Italy Real-time Payments Market Share (%), By Enterprise Size, 2017-2031F
Figure 57. Italy Real-time Payments Market Share (%), By End-user, 2017-2031F
Figure 58. United Kingdom Real-time Payments Market, By Value, In USD Billion, 2017-2031F
Figure 59. United Kingdom Real-time Payments Market Share (%), By Component, 2017-2031F
Figure 60. United Kingdom Real-time Payments Market Share (%), By Deployment, 2017-2031F
Figure 61. United Kingdom Real-time Payments Market Share (%), By Payment Type, 2017-2031F
Figure 62. United Kingdom Real-time Payments Market Share (%), By Enterprise Size, 2017-2031F
Figure 63. United Kingdom Real-time Payments Market Share (%), By End-user, 2017-2031F
Figure 64. Russia Real-time Payments Market, By Value, In USD Billion, 2017-2031F
Figure 65. Russia Real-time Payments Market Share (%), By Component, 2017-2031F
Figure 66. Russia Real-time Payments Market Share (%), By Deployment, 2017-2031F
Figure 67. Russia Real-time Payments Market Share (%), By Payment Type, 2017-2031F
Figure 68. Russia Real-time Payments Market Share (%), By Enterprise Size, 2017-2031F
Figure 69. Russia Real-time Payments Market Share (%), By End-user, 2017-2031F
Figure 70. Netherlands Real-time Payments Market, By Value, In USD Billion, 2017-2031F
Figure 71. Netherlands Real-time Payments Market Share (%), By Component, 2017-2031F
Figure 72. Netherlands Real-time Payments Market Share (%), By Deployment, 2017-2031F
Figure 73. Netherlands Real-time Payments Market Share (%), By Payment Type, 2017-2031F
Figure 74. Netherlands Real-time Payments Market Share (%), By Enterprise Size, 2017-2031F
Figure 75. Netherlands Real-time Payments Market Share (%), By End-user, 2017-2031F
Figure 76. Spain Real-time Payments Market, By Value, In USD Billion, 2017-2031F
Figure 77. Spain Real-time Payments Market Share (%), By Component, 2017-2031F
Figure 78. Spain Real-time Payments Market Share (%), By Deployment, 2017-2031F
Figure 79. Spain Real-time Payments Market Share (%), By Payment Type, 2017-2031F
Figure 80. Spain Real-time Payments Market Share (%), By Enterprise Size, 2017-2031F
Figure 81. Spain Real-time Payments Market Share (%), By End-user, 2017-2031F
Figure 82. Turkey Real-time Payments Market, By Value, In USD Billion, 2017-2031F
Figure 83. Turkey Real-time Payments Market Share (%), By Component, 2017-2031F
Figure 84. Turkey Real-time Payments Market Share (%), By Deployment, 2017-2031F
Figure 85. Turkey Real-time Payments Market Share (%), By Payment Type, 2017-2031F
Figure 86. Turkey Real-time Payments Market Share (%), By Enterprise Size, 2017-2031F
Figure 87. Turkey Real-time Payments Market Share (%), By End-user, 2017-2031F
Figure 88. Poland Real-time Payments Market, By Value, In USD Billion, 2017-2031F
Figure 89. Poland Real-time Payments Market Share (%), By Component, 2017-2031F
Figure 90. Poland Real-time Payments Market Share (%), By Deployment, 2017-2031F
Figure 91. Poland Real-time Payments Market Share (%), By Payment Type, 2017-2031F
Figure 92. Poland Real-time Payments Market Share (%), By Enterprise Size, 2017-2031F
Figure 93. Poland Real-time Payments Market Share (%), By End-user, 2017-2031F
Figure 94. South America Real-time Payments Market, By Value, In USD Billion, 2017-2031F
Figure 95. South America Real-time Payments Market Share (%), By Component, 2017-2031F
Figure 96. South America Real-time Payments Market Share (%), By Deployment, 2017-2031F
Figure 97. South America Real-time Payments Market Share (%), By Payment Type, 2017-2031F
Figure 98. South America Real-time Payments Market Share (%), By Enterprise Size, 2017-2031F
Figure 99. South America Real-time Payments Market Share (%), By End-user, 2017-2031F
Figure 100. South America Real-time Payments Market Share (%), By Country, 2017-2031F
Figure 101. Brazil Real-time Payments Market, By Value, In USD Billion, 2017-2031F
Figure 102. Brazil Real-time Payments Market Share (%), By Component, 2017-2031F
Figure 103. Brazil Real-time Payments Market Share (%), By Deployment, 2017-2031F
Figure 104. Brazil Real-time Payments Market Share (%), By Payment Type, 2017-2031F
Figure 105. Brazil Real-time Payments Market Share (%), By Enterprise Size, 2017-2031F
Figure 106. Brazil Real-time Payments Market Share (%), By End-user, 2017-2031F
Figure 107. Argentina Real-time Payments Market, By Value, In USD Billion, 2017-2031F
Figure 108. Argentina Real-time Payments Market Share (%), By Component, 2017-2031F
Figure 109. Argentina Real-time Payments Market Share (%), By Deployment, 2017-2031F
Figure 110. Argentina Real-time Payments Market Share (%), By Payment Type, 2017-2031F
Figure 111. Argentina Real-time Payments Market Share (%), By Enterprise Size, 2017-2031F
Figure 112. Argentina Real-time Payments Market Share (%), By End-user, 2017-2031F
Figure 113. Asia-Pacific Real-time Payments Market, By Value, In USD Billion, 2017-2031F
Figure 114. Asia-Pacific Real-time Payments Market Share (%), By Component, 2017-2031F
Figure 115. Asia-Pacific Real-time Payments Market Share (%), By Deployment, 2017-2031F
Figure 116. Asia-Pacific Real-time Payments Market Share (%), By Payment Type, 2017-2031F
Figure 117. Asia-Pacific Real-time Payments Market Share (%), By Enterprise Size, 2017-2031F
Figure 118. Asia-Pacific Real-time Payments Market Share (%), By End-user, 2017-2031F
Figure 119. Asia-Pacific Real-time Payments Market Share (%), By Country, 2017-2031F
Figure 120. India Real-time Payments Market, By Value, In USD Billion, 2017-2031F
Figure 121. India Real-time Payments Market Share (%), By Component, 2017-2031F
Figure 122. India Real-time Payments Market Share (%), By Deployment, 2017-2031F
Figure 123. India Real-time Payments Market Share (%), By Payment Type, 2017-2031F
Figure 124. India Real-time Payments Market Share (%), By Enterprise Size, 2017-2031F
Figure 125. India Real-time Payments Market Share (%), By End-user, 2017-2031F
Figure 126. China Real-time Payments Market, By Value, In USD Billion, 2017-2031F
Figure 127. China Real-time Payments Market Share (%), By Component, 2017-2031F
Figure 128. China Real-time Payments Market Share (%), By Deployment, 2017-2031F
Figure 129. China Real-time Payments Market Share (%), By Payment Type, 2017-2031F
Figure 130. China Real-time Payments Market Share (%), By Enterprise Size, 2017-2031F
Figure 131. China Real-time Payments Market Share (%), By End-user, 2017-2031F
Figure 132. Japan Real-time Payments Market, By Value, In USD Billion, 2017-2031F
Figure 133. Japan Real-time Payments Market Share (%), By Component, 2017-2031F
Figure 134. Japan Real-time Payments Market Share (%), By Deployment, 2017-2031F
Figure 135. Japan Real-time Payments Market Share (%), By Payment Type, 2017-2031F
Figure 136. Japan Real-time Payments Market Share (%), By Enterprise Size, 2017-2031F
Figure 137. Japan Real-time Payments Market Share (%), By End-user, 2017-2031F
Figure 138. Australia Real-time Payments Market, By Value, In USD Billion, 2017-2031F
Figure 139. Australia Real-time Payments Market Share (%), By Component, 2017-2031F
Figure 140. Australia Real-time Payments Market Share (%), By Deployment, 2017-2031F
Figure 141. Australia Real-time Payments Market Share (%), By Payment Type, 2017-2031F
Figure 142. Australia Real-time Payments Market Share (%), By Enterprise Size, 2017-2031F
Figure 143. Australia Real-time Payments Market Share (%), By End-user, 2017-2031F
Figure 144. Vietnam Real-time Payments Market, By Value, In USD Billion, 2017-2031F
Figure 145. Vietnam Real-time Payments Market Share (%), By Component, 2017-2031F
Figure 146. Vietnam Real-time Payments Market Share (%), By Deployment, 2017-2031F
Figure 147. Vietnam Real-time Payments Market Share (%), By Payment Type, 2017-2031F
Figure 148. Vietnam Real-time Payments Market Share (%), By Enterprise Size, 2017-2031F
Figure 149. Vietnam Real-time Payments Market Share (%), By End-user, 2017-2031F
Figure 150. South Korea Real-time Payments Market, By Value, In USD Billion, 2017-2031F
Figure 151. South Korea Real-time Payments Market Share (%), By Component, 2017-2031F
Figure 152. South Korea Real-time Payments Market Share (%), By Deployment, 2017-2031F
Figure 153. South Korea Real-time Payments Market Share (%), By Payment Type, 2017-2031F
Figure 154. South Korea Real-time Payments Market Share (%), By Enterprise Size, 2017-2031F
Figure 155. South Korea Real-time Payments Market Share (%), By End-user, 2017-2031F
Figure 156. Indonesia Real-time Payments Market, By Value, In USD Billion, 2017-2031F
Figure 157. Indonesia Real-time Payments Market Share (%), By Component, 2017-2031F
Figure 158. Indonesia Real-time Payments Market Share (%), By Deployment, 2017-2031F
Figure 159. Indonesia Real-time Payments Market Share (%), By Payment Type, 2017-2031F
Figure 160. Indonesia Real-time Payments Market Share (%), By Enterprise Size, 2017-2031F
Figure 161. Indonesia Real-time Payments Market Share (%), By End-user, 2017-2031F
Figure 162. Philippines Real-time Payments Market, By Value, In USD Billion, 2017-2031F
Figure 163. Philippines Real-time Payments Market Share (%), By Component, 2017-2031F
Figure 164. Philippines Real-time Payments Market Share (%), By Deployment, 2017-2031F
Figure 165. Philippines Real-time Payments Market Share (%), By Payment Type, 2017-2031F
Figure 166. Philippines Real-time Payments Market Share (%), By Enterprise Size, 2017-2031F
Figure 167. Philippines Real-time Payments Market Share (%), By End-user, 2017-2031F
Figure 168. Middle East & Africa Real-time Payments Market, By Value, In USD Billion, 2017-2031F
Figure 169. Middle East & Africa Real-time Payments Market Share (%), By Component, 2017-2031F
Figure 170. Middle East & Africa Real-time Payments Market Share (%), By Deployment, 2017-2031F
Figure 171. Middle East & Africa Real-time Payments Market Share (%), By Payment Type, 2017-2031F
Figure 172. Middle East & Africa Real-time Payments Market Share (%), By Enterprise Size, 2017-2031F
Figure 173. Middle East & Africa Real-time Payments Market Share (%), By End-user, 2017-2031F
Figure 174. Middle East & Africa Real-time Payments Market Share (%), By Country, 2017-2031F
Figure 175. Saudi Arabia Real-time Payments Market, By Value, In USD Billion, 2017-2031F
Figure 176. Saudi Arabia Real-time Payments Market Share (%), By Component, 2017-2031F
Figure 177. Saudi Arabia Real-time Payments Market Share (%), By Deployment, 2017-2031F
Figure 178. Saudi Arabia Real-time Payments Market Share (%), By Payment Type, 2017-2031F
Figure 179. Saudi Arabia Real-time Payments Market Share (%), By Enterprise Size, 2017-2031F
Figure 180. Saudi Arabia Real-time Payments Market Share (%), By End-user, 2017-2031F
Figure 181. UAE Real-time Payments Market, By Value, In USD Billion, 2017-2031F
Figure 182. UAE Real-time Payments Market Share (%), By Component, 2017-2031F
Figure 183. UAE Real-time Payments Market Share (%), By Deployment, 2017-2031F
Figure 184. UAE Real-time Payments Market Share (%), By Payment Type, 2017-2031F
Figure 185. UAE Real-time Payments Market Share (%), By Enterprise Size, 2017-2031F
Figure 186. UAE Real-time Payments Market Share (%), By End-user, 2017-2031F
Figure 187. South Africa Real-time Payments Market, By Value, In USD Billion, 2017-2031F
Figure 188. South Africa Real-time Payments Market Share (%), By Component, 2017-2031F
Figure 189. South Africa Real-time Payments Market Share (%), By Deployment, 2017-2031F
Figure 190. South Africa Real-time Payments Market Share (%), By Payment Type, 2017-2031F
Figure 191. South Africa Real-time Payments Market Share (%), By Enterprise Size, 2017-2031F
Figure 192. South Africa Real-time Payments Market Share (%), By End-user, 2017-2031F
Figure 193. By Component Map-Market Size (USD Billion) & Growth Rate (%), 2023
Figure 194. By Deployment Map-Market Size (USD Billion) & Growth Rate (%), 2023
Figure 195. By Payment Type Map-Market Size (USD Billion) & Growth Rate (%), 2023
Figure 196. By Enterprise Size Map-Market Size (USD Billion) & Growth Rate (%), 2023
Figure 197. By End-user Map-Market Size (USD Billion) & Growth Rate (%), 2023
Figure 198. By Region Map-Market Size (USD Billion) & Growth Rate (%), 2023

Product Code: MX12239

Global real-time payments market is projected to witness a CAGR of 25.22% during the forecast period 2024-2031, growing from USD 24.16 billion in 2023 to USD 146.04 billion in 2031. Various factors contribute to the market's high growth in the forecast years. With the penetration of smartphones and digital banking applications, payment platforms can be accessed easily, accelerating the widespread implementation of the real-time payment (RTP) market. Cloud-based solutions facilitate the processing of an enormous number of transactions, hence bringing down latency and facilitating faster transactions for users. Increased consumer demand for fast and easy payment systems will drive market growth as older formats of payments cannot keep up with newer demands.

Government initiatives in digital payments can be highly important as the products or services work to enhance financial inclusion and create a smooth payment ecosystem. Technological advancements such as AI, IoT, and blockchain are keeping the system updated as RTP systems keep evolving with secure and quick structures to attract users. The spread of the COVID-19 pandemic has given a great push to contactless digital payments. Booming e-commerce requires instant payment solutions to enhance consumer satisfaction. Further, facilitation by regulatory authorities initiates a secure environment for RTP adaptation.

For instance, instant cross-border payments processed by Stet, a leading European clearing and settlement system, and ACI Worldwide, have reached a new record high. In 2023, Stet processed over 35 billion transactions, averaging more than USD 27 billion daily. Over the past year, it has handled more than 50 million cross-border real-time transactions.

Rapidly Growing Digitalization to Expand Market Size

Rapid digitalization and urbanization are significant drivers of the growth of the real-time payments market. Regulatory bodies are implementing strategies to combat money laundering, thereby promoting digital payment solutions and reducing black money transactions. The rise in internet penetration globally has made digital services more accessible, leading to a surge in the adoption of real-time payment options. Additionally, the shift towards cloud-based payment solutions has provided the necessary infrastructure for efficient transaction handling, allowing payment processors to scale operations effectively. As banks and financial institutions expand their digital banking services by offering instant account openings, digital loans, and real-time payments, the growth of the RTP market continues to accelerate. Urbanization enhances infrastructure, including high-speed internet and advanced payment terminals, which further support the adoption of real-time payments.

For instance, in September 2024, the European Union announced that it adopted an ambitious anti-money laundering package to protect citizens and strengthen its financial system against organized crime and terrorists. The package will extensively harmonize procedures and close loopholes in anti-money laundering measures. The establishment of the Authority for Anti-Money Laundering and Countering the Financing of Terrorism (AMLA) in Frankfurt, centralizing oversight, brings a new dimension to the fight against money laundering. This law has revised the Regulation on the Transfer of Funds, addressing the risk of crypto assets being used for criminal purposes, including cybercrime.

Technological Advancements to Fuel the Real-time Payments Market Growth

Technological development drives the growth of the real-time payments (RTP) market and increases transaction speed, security, and efficiency. 5G infrastructure supports ultra-low latency in processing instant transactions and greater bandwidth to handle several transactions occurring simultaneously, making way for the smooth integration of IoT devices for automated payments in smart applications. Cloud computing enables scalable payment solutions, thus absorbing the change in demands and providing benefits by reducing the cost of operation and enhancement of data management capabilities. API-oriented payment systems further enhance interoperability between different financial platforms. The systems improve innovation and allow for greater flexibility in payment solution options. These combined technologies offer a strong ecosystem that improves user experiences and represents new avenues for fintech innovation and the expansion of services by companies, putting the RTP market on course for continued growth and transformation.

For instance, in September 2024, PayPal Holdings, Inc. announced that it allows merchants in the United States to buy, hold, or sell cryptocurrency directly from their PayPal business account. This announcement is PayPal's latest step in increasing cryptocurrency's utility by making increased functionality available to millions of merchants in the United States. Additionally, PayPal can externally transfer cryptocurrency on the chain to third-party eligible wallets. PayPal business account holders can send and receive supported cryptocurrency tokens to and from external blockchain addresses.

Government Initiatives to Act as a Catalyst

Government initiatives have boosted RTP system usage by facilitating an environment for digital transactions. Initiatives aimed at bringing people who are either unbanked or underbanked into the formal financial system increase the user base of RTP solutions while developing an increase in economic growth through digital payments. This aspect has an influence on digital payments, lowering transaction costs, increasing liquidity, and enhancing transparency. Support for RTP systems will encourage innovative thinking and competition in the payment industry, leading to new and improved payment solutions addressing the changing market needs. Generally, it fosters a healthy ecosystem across the different markets for real-time payments. There have been several initiatives worldwide, such as SEPA (European Union's Single Euro Payments Area), India's Unified Payments Interface (UPI), and more.

For instance, in July 2023, The FedNow Service, a service for instant payments, was launched by the Federal Reserve to help make everyday payments fast and convenient for American households and businesses. Banks and credit unions of all sizes can sign up for the FedNow Service and offer new instant payment services to their customers. In the coming years, customers of banks and credit unions who sign up for the FedNow Service will be able to use their financial institution's app, website, and other interfaces to send instant payments directly from their bank accounts quickly and securely.

Person-to-Business (P2B) to Dominate Real-time Payments Market Share

The person-to-business real-time payments have cemented their dominance and are expected to grow at a higher pace in the market. This segment includes transactions between customers and businesses, such as online purchases, bill payments, and other monetary exchanges. The growth in mobile commerce and e-commerce has been a significant contributor to this area. With smartphone shopping at the helm, more consumers are making direct business transactions online. The growth of the e-commerce industry also requires efficient and instant payment solutions that will handle the high volume of transactions made. Real-time payments help improve checkout experiences on an e-commerce site, thereby driving customer satisfaction and minimizing the rate of cart abandonment. Instant payment processing helps in cash flow management for the merchant since they can access funds immediately, reinvest in the business, and thereby grow their business. Mobile commerce is also growing worldwide.

For instance, Fintopia, a Fintech group based on Big Data and Artificial Intelligence, that offers Person-to-Business (P2B) transactions, has experienced remarkable growth with 100 million registered users in September 2023, which was 60 million in 2022. This shows acceptability in the current years.

Asia-Pacific Dominates Real-time Payments Market Share

Asia-Pacific is rapidly expanding its real-time payments market, facilitated by several factors. Better cross-border payments emerge because of enhanced trade, which enables faster and more transparent international transactions, thus enhancing the cash flow for business entities. Regional integration, such as that provided by the ASEAN Payment Network, makes cross-border transactions frictionless, and a large expatriate population drives demand for instant remittances. Further, mobile wallet adoption is growing rapidly, with Asia-Pacific leading the world due to innovative solutions from companies such as Alipay and WeChat Pay. Asia-Pacific consists of countries such as India and China that have the highest penetration of smartphones across the world. Government support is crucial, with investments in payment infrastructure and regulatory frameworks promoting secure real-time payment systems. The booming e-commerce sector and the growing digital economy further propel the demand for efficient payment solutions since consumers now need convenient, faster transactions. Overall, technological advancement, the supporting regulatory environment, and shifts in consumer behaviors all support Asia-Pacific in continuing to grow on the track for real-time payments.

For instance, as per the data published by the Government of India in December 2023, the Total digital payment transactions volume increased from USD 24.5 billion (INR 2,071 crore) in FY2017-2018 to USD 159.5 billion (INR 13,462 crore) in FY2022-2023 at a CAGR of 45%. It stated that transactions around USD 138.5 billion (INR 11,660 crore) were conducted on 11th December 2023. It shows a considerable growth in digital transactions.

Future Market Scenario (2024 - 2031F)

New technologies, including AI and IoT, will make real-time payment systems more efficient and secure.

Deteriorating cash usage is likely to continue increasing demand for digital payment solutions, once consumers and businesses leave cash behind, real-time payments will be the prevalent transaction method.

Around the world, governments are likely to continue supporting the adoption of real-time payments through various regulatory frameworks and initiatives geared to promote digital transactions.

Mobile and e-commerce will spur the demand for real-time payment solutions. The growing user base of consumers using mobile devices to shop online ensures that the need for prompt and secure payment processing increases.

Key Players Landscape and Outlook

Competition in the real-time payments market is extremely fierce, with key players carefully concentrating on major parameters to gain an edge. The speed of a transaction is among the most crucial parameters because the quicker the transaction, the more attracted the customer will be towards it. Security is an important factor with strong emphasis on not succumbing to fraud and cyber-attacks. Accessibility across various devices and platforms enhances users' experience, whereas a wider global reach helps companies expand into new markets and capture a larger customer base. Other value-added services include real-time notifications and spending analytics. The whole market environment is very healthy, driven by the high penetration of smartphones, cloud-based solutions, and government initiatives promoting digital payments. Regulators everywhere in the world are also inclined toward digital payment solutions.

In October 2024, HyperPay, a leading payments services provider in the MENA region has formed an extended partnership with ACI Worldwide to facilitate AI-driven payment innovations across the MENA region. The partnership enables HyperPay to leverage ACI's Payments Orchestration Platform to streamline all payments within a single platform, ensuring optimal conversion rates and minimal operational costs. Moreover, the company will also utilize ACI's Payment Intelligence and Fraud Orchestration Platform which is integrated with AI and machine learning, to automate fraud protection and access key analytics on consumer behaviors.

In October 2024, The Reynolds and Reynolds Company, a leading provider of automotive dealership software based in Dayton, Ohio, extended their agreement with Worldpay as its exclusive payments provider. This long-term extension positions Worldpay as the sole provider of all payment processing activities for the integrated payment solution ReyPAY. This solution provides fast, convenient, and contactless payment options for automotive dealerships and their customers.

1. Project Scope and Definitions

2. Research Methodology

3. Executive Summary

4. Voice of Customer

4.1. Product and Market Intelligence
4.2. Mode of Brand Awareness
4.3. Factors Considered in Purchase Decisions
- 4.3.1. Features and Other Value-added Service
- 4.3.2. IT Infrastructure Compatibility
- 4.3.3. Efficiency of Solutions
- 4.3.4. After-sales Support
4.4. Consideration of Privacy and Regulations

5. Global Real-time Payments Market Outlook, 2017-2031F

5.1. Market Size Analysis & Forecast
- 5.1.1. By Value
5.2. Market Share Analysis & Forecast
- 5.2.1. By Component
  - 5.2.1.1. Solution
  - 5.2.1.2. Service
- 5.2.2. By Deployment
  - 5.2.2.1. On-premises
  - 5.2.2.2. Cloud
- 5.2.3. By Payment Type
  - 5.2.3.1. Person-to-Person (P2P)
  - 5.2.3.2. Person-to-Business (P2B)
  - 5.2.3.3. Business-to-Consumer (B2C)
  - 5.2.3.4. Business-to-Business (B2B)
- 5.2.4. By Enterprise Size
  - 5.2.4.1. Small
  - 5.2.4.2. Medium
  - 5.2.4.3. Large
- 5.2.5. By End-user
  - 5.2.5.1. BFSI
  - 5.2.5.2. Retail
  - 5.2.5.3. Healthcare
  - 5.2.5.4. Government
  - 5.2.5.5. IT and Telecom
  - 5.2.5.6. Manufacturing
  - 5.2.5.7. Others
- 5.2.6. By Region
  - 5.2.6.1. North America
  - 5.2.6.2. Europe
  - 5.2.6.3. Asia-Pacific
  - 5.2.6.4. South America
  - 5.2.6.5. Middle East and Africa
- 5.2.7. By Company Market Share Analysis (Top 5 Companies and Others - By Value, 2023)
5.3. Market Map Analysis, 2023
- 5.3.1. By Component
- 5.3.2. By Deployment
- 5.3.3. By Payment Type
- 5.3.4. By Enterprise Size
- 5.3.5. By End-user
- 5.3.6. By Region

6. North America Real-time Payments Market Outlook, 2017-2031F*

6.1. Market Size Analysis & Forecast
- 6.1.1. By Value
6.2. Market Share Analysis & Forecast
- 6.2.1. By Component
  - 6.2.1.1. Solution
  - 6.2.1.2. Service
- 6.2.2. By Deployment
  - 6.2.2.1. On-premises
  - 6.2.2.2. Cloud
- 6.2.3. By Payment Type
  - 6.2.3.1. Person-to-Person (P2P)
  - 6.2.3.2. Person-to-Business (P2B)
  - 6.2.3.3. Business-to-Consumer (B2C)
  - 6.2.3.4. Business-to-Business (B2B)
- 6.2.4. By Enterprise Size
  - 6.2.4.1. Small
  - 6.2.4.2. Medium
  - 6.2.4.3. Large
- 6.2.5. By End-user
  - 6.2.5.1. BFSI
  - 6.2.5.2. Retail
  - 6.2.5.3. Healthcare
  - 6.2.5.4. Government
  - 6.2.5.5. IT and Telecom
  - 6.2.5.6. Manufacturing
  - 6.2.5.7. Others
- 6.2.6. By Country Share
  - 6.2.6.1. United States
  - 6.2.6.2. Canada
  - 6.2.6.3. Mexico
6.3. Country Market Assessment
- 6.3.1. United States Real-time Payments Market Outlook, 2017-2031F*
  - 6.3.1.1. Market Size Analysis & Forecast
    - 6.3.1.1.1. By Value
  - 6.3.1.2. Market Share Analysis & Forecast
    - 6.3.1.2.1. By Component
      - 6.3.1.2.1.1. Solution
      - 6.3.1.2.1.2. Service
    - 6.3.1.2.2. By Deployment
      - 6.3.1.2.2.1. On-premises
      - 6.3.1.2.2.2. Cloud
  - 6.3.1.3. By Payment Type
    - 6.3.1.3.1. Person-to-Person (P2P)
    - 6.3.1.3.2. Person-to-Business (P2B)
    - 6.3.1.3.3. Business-to-Consumer (P2C)
    - 6.3.1.3.4. Business-to-Business (B2B)
  - 6.3.1.4. By Enterprise Size
    - 6.3.1.4.1. Small
    - 6.3.1.4.2. Medium
    - 6.3.1.4.3. Large
  - 6.3.1.5. By End-user
    - 6.3.1.5.1. BFSI
    - 6.3.1.5.2. Retail
    - 6.3.1.5.3. Healthcare
    - 6.3.1.5.4. Government
    - 6.3.1.5.5. IT and Telecom
    - 6.3.1.5.6. Manufacturing
    - 6.3.1.5.7. Others
- 6.3.2. Canada
- 6.3.3. Mexico

All segments will be provided for all regions and countries covered

7. Europe Real-time Payments Market Outlook, 2017-2031F

7.1. Germany
7.2. France
7.3. Italy
7.4. United Kingdom
7.5. Russia
7.6. Netherlands
7.7. Spain
7.8. Turkey
7.9. Poland

8. Asia-Pacific Real-time Payments Market Outlook, 2017-2031F

8.1. India
8.2. China
8.3. Japan
8.4. Australia
8.5. Vietnam
8.6. South Korea
8.7. Indonesia
8.8. Philippines

9. South America Real-time Payments Market Outlook, 2017-2031F

9.1. Brazil
9.2. Argentina

10. Middle East and Africa Real-time Payments Market Outlook, 2017-2031F

10.1. Saudi Arabia
10.2. UAE
10.3. South Africa

11. Demand Supply Analysis

12. Value Chain Analysis

13. Porter's Five Forces Analysis

14. PESTLE Analysis

15. Market Dynamics

15.1. Market Drivers
15.2. Market Challenges

16. Market Trends and Developments

17. Case Studies

18. Competitive Landscape

18.1. Competition Matrix of Top 5 Market Leaders
18.2. SWOT Analysis for Top 5 Players
18.3. Key Players Landscape for Top 10 Market Players
- 18.3.1. ACI Worldwide, Inc.
  - 18.3.1.1. Company Details
  - 18.3.1.2. Key Management Personnel
  - 18.3.1.3. Products and Services
  - 18.3.1.4. Financials (As Reported)
  - 18.3.1.5. Key Market Focus and Geographical Presence
  - 18.3.1.6. Recent Developments/Collaborations/Partnerships/Mergers and Acquisition
- 18.3.2. Mastercard Incorporated
- 18.3.3. Finastra
- 18.3.4. Worldpay, Inc.
- 18.3.5. PayPal Holdings, Inc.
- 18.3.6. Fidelity National Information Services, Inc. (FIS Inc.)
- 18.3.7. Payrix Solutions, LLC
- 18.3.8. Temenos AG
- 18.3.9. Montran Corporation
- 18.3.10. Capgemini SE

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

リアルタイム決済市場の評価：コンポーネント・展開・決済タイプ・企業規模・エンドユーザー・地域別の機会および予測 (2017-2031年)

Real-time Payments Market Assessment, By Component, By Deployment, By Payment Type, By Enterprise Size, By End-user, By Region, Opportunities and Forecast, 2017-2031F

目次

第1章 プロジェクトの範囲と定義

第2章 調査手法

第3章 エグゼクティブサマリー

第4章 顧客の声

第5章 世界のリアルタイム決済市場の展望

第6章 北米のリアルタイム決済市場の展望

第7章 欧州のリアルタイム決済市場の展望

第8章 アジア太平洋のリアルタイム決済市場の展望

第9章 南米のリアルタイム決済市場の展望

第10章 中東・アフリカのリアルタイム決済市場の展望

第11章 需給分析

第12章 バリューチェーン分析

第13章 ポーターのファイブフォース分析

第14章 PESTLE分析

第15章 市場力学

第16章 市場の動向・展開

第17章 ケーススタディ

第18章 競合情勢

第19章 戦略的提言

第20章 当社について・免責事項

List of Tables

List of Figures

Table of Contents

1. Project Scope and Definitions

2. Research Methodology

3. Executive Summary

4. Voice of Customer

5. Global Real-time Payments Market Outlook, 2017-2031F

6. North America Real-time Payments Market Outlook, 2017-2031F*

7. Europe Real-time Payments Market Outlook, 2017-2031F

8. Asia-Pacific Real-time Payments Market Outlook, 2017-2031F

9. South America Real-time Payments Market Outlook, 2017-2031F

10. Middle East and Africa Real-time Payments Market Outlook, 2017-2031F

11. Demand Supply Analysis

12. Value Chain Analysis

13. Porter's Five Forces Analysis

14. PESTLE Analysis

15. Market Dynamics

16. Market Trends and Developments

17. Case Studies

18. Competitive Landscape

19. Strategic Recommendations

20. About Us and Disclaimer

第1章プロジェクトの範囲と定義

第2章調査手法

第3章エグゼクティブサマリー

第4章顧客の声

第5章世界のリアルタイム決済市場の展望

第6章北米のリアルタイム決済市場の展望

第7章欧州のリアルタイム決済市場の展望

第8章アジア太平洋のリアルタイム決済市場の展望

第9章南米のリアルタイム決済市場の展望

第10章中東・アフリカのリアルタイム決済市場の展望

第11章需給分析

第12章バリューチェーン分析

第13章ポーターのファイブフォース分析

第15章市場力学

第16章市場の動向・展開

第17章ケーススタディ

第18章競合情勢

第19章戦略的提言

第20章当社について・免責事項