米国のモバイルウォレット市場：タイプ・技術・エンドユーザー・地域別の機会および予測 (2018-2032年)

米国のモバイルウォレットの市場は、デジタル決済の導入、スマートフォンの普及、非接触型取引の増加により、予測期間中は13.12％のCAGRで推移し、2024年の25億2,000万米ドルから、2032年には67億6,000万米ドルに成長すると予測されています。

モバイルウォレットは単に拡大しているだけでなく、人々の日常生活に欠かせない存在になりつつあります。セルフレジでスマートフォンをタップしたり、数秒でディナー代を割り勘したりと、デジタル決済はもはや“選択肢”ではなく、“当たり前”のものとなっています。

パンデミックがこの普及を後押ししたのは確かですが、2023年以降に定着した利用行動こそが、モバイルウォレットの定常化を決定づけています。アツーピア（P2P）決済が主流になるにつれ、店舗での受け入れも拡大しています。全国規模の小売業者から専門店に至るまで、顧客のロイヤルティ維持のためにポイントプログラムなどをモバイルウォレットに組み込む動きが広がっています。

大手ハイテク企業、フィンテック企業、銀行、コーヒーチェーンまでもが、単なる決済取引数だけでなく、マインドシェアを巡って競争しています。現代の消費者は、シームレスで安全、かつパーソナライズされた決済体験を当たり前に求めており、「タップが2回以上必要なら、それはもう遅すぎる」と感じています。

当レポートでは、米国のモバイルウォレットの市場を調査し、市場の定義と概要、市場規模の推移・予測、各種区分別の詳細分析、ケーススタディ、市場成長への影響因子の分析、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。

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

• 回答者の人口統計
• モバイルウォレットの認知度
• モバイルウォレットに期待される主な機能
• 主な促進要因と採用

第5章 米国のモバイルウォレット市場の展望

• 市場規模の分析・予測
• 市場シェアの分析・予測
  • タイプ別
    • 近接モバイル決済
    • リモートモバイル決済
    • ピアツーピア転送
  • 技術別
    • NFC
    • QRコード
    • 磁気セキュアトランスミッション
    • その他
  • エンドユーザー別
    • 個人
    • 企業
  • 地域別
    • 北東部
    • 南西部
    • 西部
    • 南東部
    • 中西部
  • 企業別市場シェア分析（上位5社およびその他）
• 市場マップ分析

第6章 需給分析

第7章 バリューチェーン分析

第8章 ポーターのファイブフォース分析

第9章 PESTLE分析

第10章 市場力学

• 市場促進要因
• 市場の課題

第11章 市場動向・発展

第12章 収益モデル分析（ベストエフォートベース）

第13章 ケーススタディ

第14章 競合情勢

• 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
  • Apple Inc.（Apple Pay）
  • Google LLC (Google Pay)
  • Block, Inc. (Cash App)
  • Meta Platforms, Inc.
  • Zelle (Early Warning Services, LLC)
  • Starbucks Corporation (Starbucks App)
  • Square, Inc.
  • Walmart Inc. (Walmart+ Pay)
  • Amazon.com, Inc. (Amazon Pay)
  • Samsung Electronics Co. Ltd.

第15章 戦略的提言

第16章 調査会社について・免責事項

List of Tables

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

List of Figures

• Figure 1. United States Mobile Wallet Market, By Value, In USD Billion, 2018-2032F
• Figure 2. United States Mobile Wallet Market Share (%), By Type, 2018-2032F
• Figure 3. United States Mobile Wallet Market Share (%), By Technology, 2018-2032F
• Figure 4. United States Mobile Wallet Market Share (%), By End-user, 2018-2032F
• Figure 5. United States Mobile Wallet Market Share (%), By Region, 2018-2032F
• Figure 6. By Type Map-Market Size (USD Billion) & Growth Rate (%), 2024
• Figure 7. By Technology Map-Market Size (USD Billion) & Growth Rate (%), 2024
• Figure 8. By End-user Map-Market Size (USD Billion) & Growth Rate (%), 2024
• Figure 9. By Region Map-Market Size (USD Billion) & Growth Rate (%), 2024

United States mobile wallet market is projected to witness a CAGR of 13.12% during the forecast period 2025-2032, growing from USD 2.52 billion in 2024 to USD 6.76 billion in 2032F, owing to increasing adoption of digital payments, smartphone penetration, and the rise of contactless transactions. America's mobile wallet market is not just growing; it is becoming an integral part of daily life. From tapping phones at self-checkout counters to splitting dinner bills in seconds, digital payments are no longer optional.

The pandemic may have sparked adoption, but it is the behavior that follows in 2023 that is defining permanence. In-store acceptance has expanded as peer-to-peer (P2P) payments have become mainstream. Retailers, both national and niche, are integrating loyalty into digital wallets to retain customers.

Big Tech, fintech disruptors, banks, and even coffee chains are competing, not just for transaction volume, but for mindshare. Consumers now expect seamless, secure, and personalized payment experiences. If it takes more than two taps, it is already too slow.

For instance, in May 2025, Block/Square began rolling out Bitcoin payments via Lightning Network on Square terminals, emphasizing innovation in merchant-facing wallets and signifying a growing bridge between crypto and everyday commerce.

Explosive Growth of Contactless and NFC Payments Leads to Market Growth

Near Field Communication (NFC) has become a dominant force in retail. Apple Pay, Google Pay, and Samsung Pay are no longer future-forward; they are foundational. This shift is not just tech, it is trust. Americans want speed, security, and zero friction at checkout. The COVID-19 pandemic accelerated demand for hygienic, touch-free payments. According to Visa, in 2023, over 80% of U.S. card terminals now support contactless payments. NFC transactions take less than 1 second, compared to 3-5 seconds for chip cards.

For instance, in February 2022, Apple's NFC adoption in the United States ripened further with the nationwide rollout of "Tap to Pay on iPhone." This feature enables merchants to accept Apple Pay and contactless cards using only their iPhone, eliminating the need for a terminal.

Businesses Embrace Wallet-Based Loyalty and In-App Commerce

The growing integration of wallet-based loyalty programs and in-app commerce is significantly boosting the United States mobile wallet market, as businesses increasingly adopt these features to enhance customer engagement and drive sales. Major retailers, such as Starbucks, Walmart, and Target, have successfully leveraged mobile wallets to combine seamless payments with personalized rewards, discounts, and targeted promotions, thereby encouraging repeat usage.

For instance, in February 2024, Starbucks Corporation reported that over 55% of its United States orders were placed via its mobile app, which also serves as a wallet, loyalty platform, and order manager. Starbucks Rewards users loaded over USD 2 billion into the app last year alone.

Whereas, Walmart+, Square, and Amazon Pay are integrating offers, cash back, and subscriptions directly into the payment flow. The wallet is the new storefront.

Peer-to-Peer Transfers Dominates the United States Market Growth

P2P payments have moved from convenience to infrastructure. Whether it is rent, babysitting, or splitting gas, cash is out; apps are in. The convenience of instant cashless transactions has made P2P payments a daily habit for millions, particularly among younger demographics, such as Millennials and Gen Z. This surge in P2P transactions has directly fueled mobile wallet usage, as many users link their digital wallets to these platforms for seamless funding and withdrawals. Additionally, social payment features (such as Venmo's feed or Cash App's Cashtags) have embedded peer-to-peer (P2P) payments into everyday social interactions, further accelerating adoption.

In January 2024, Zelle, an app widely used for P2P transactions, reported processing over USD 800 billion in transfers for 2023, with a 28% YoY increase in consumer-to-consumer transactions. Unlike other wallets, Zelle's integration with 1,800+ United States banks gives it an unmatched network effect.

Key Players Landscape and Outlook

The United States mobile wallet market is a battleground of ecosystems. Apple Pay leads in NFC retail transactions, benefiting from iPhone's hardware dominance. Google Pay and Samsung Pay maintain traction across Android devices, especially in big-box retail and transit. Cash App (by Block, Inc.) dominates P2P among younger users with social features and crypto integration.

Zelle, backed by United States banks, operates at scale with direct bank transfers via P2P. Meanwhile, Starbucks and Walmart are redefining branded wallets, blending payments with rewards, inventory, and mobile ordering. Amazon Pay supports merchant checkout across thousands of websites in the United States. The market is maturing into two camps: platform wallets (such as Apple, Google, and Zelle) and merchant-driven apps (like Starbucks and Walmart). Both are converging on the same goal, owning the transaction and the customer relationship.

For instance, in October 2024, Apple Inc. announced a significant expansion of its Business Connect platform, enabling businesses of all sizes, including those without a physical location, to manage how their brand appears to over 1 billion Apple users worldwide. For the first time, any verified business can establish a consistent brand and location presence across key Apple apps, including Maps, Wallet, and Mail. Businesses can now manage their appearance in Apple Wallet, enabling them to create a visual brand identity that reaches customers directly through the Wallet app.

Table of Contents

1. Project Scope and Definitions

2. Research Methodology

3. Executive Summary

4. Voice of Customers

• 4.1. Respondent Demographics
• 4.2. Awareness of Mobile Wallet
• 4.3. Key Features Expected in Mobile Wallets
• 4.4. Key Drivers and Adoption

5. United States Mobile Wallet Market Outlook, 2018-2032F

• 5.1. Market Size Analysis & Forecast
  • 5.1.1. By Value
• 5.2. Market Share Analysis & Forecast
  • 5.2.1. By Type
    • 5.2.1.1. Proximity Mobile Payments
    • 5.2.1.2. Remote Mobile Payments
    • 5.2.1.3. Peer-to-Peer Transfers
  • 5.2.2. By Technology
    • 5.2.2.1. Near Field Communication
    • 5.2.2.2. QR Code
    • 5.2.2.3. Magnetic Secure Transmission
    • 5.2.2.4. Others
  • 5.2.3. By End-users
    • 5.2.3.1. Individual
    • 5.2.3.2. Businesses
  • 5.2.4. By Region
    • 5.2.4.1. Northeast
    • 5.2.4.2. Southwest
    • 5.2.4.3. West
    • 5.2.4.4. Southeast
    • 5.2.4.5. Midwest
  • 5.2.5. By Company Market Share Analysis (Top 5 Companies and Others - By Value, 2024)
• 5.3. Market Map Analysis, 2024
  • 5.3.1. By Type
  • 5.3.2. By Technology
  • 5.3.3. By End-users
  • 5.3.4. By Region

6. Demand Supply Analysis

7. Value Chain Analysis

8. Porter's Five Forces Analysis

9. PESTLE Analysis

10. Market Dynamics

• 10.1. Market Drivers
• 10.2. Market Challenges

11. Market Trends and Developments

12. Revenue Model Analysis (Best Effort Basis)

13. Case Studies

14. Competitive Landscape

• 14.1. Competition Matrix of Top 5 Market Leaders
• 14.2. SWOT Analysis for Top 5 Players
• 14.3. Key Players Landscape for Top 10 Market Players
  • 14.3.1. Apple Inc. (Apple Pay)
    • 14.3.1.1. Company Details
    • 14.3.1.2. Key Management Personnel
    • 14.3.1.3. Products and Services
    • 14.3.1.4. Financials (As Reported)
    • 14.3.1.5. Key Market Focus and Geographical Presence
    • 14.3.1.6. Recent Developments/Collaborations/Partnerships/Mergers and Acquisition
  • 14.3.2. Google LLC (Google Pay)
  • 14.3.3. Block, Inc. (Cash App)
  • 14.3.4. Meta Platforms, Inc.
  • 14.3.5. Zelle (Early Warning Services, LLC)
  • 14.3.6. Starbucks Corporation (Starbucks App)
  • 14.3.7. Square, Inc.
  • 14.3.8. Walmart Inc. (Walmart+ Pay)
  • 14.3.9. Amazon.com, Inc. (Amazon Pay)
  • 14.3.10. Samsung Electronics Co. Ltd.

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

15. Strategic Recommendations

16. About Us and Disclaimer