バーチャルカードの世界市場：2023-2030年

世界のバーチャルカード市場は、予測期間中（2023-2030年）にCAGR 20.0％で成長すると予測されています。バーチャルカードは、安全なオンライン取引を可能にし、実際のクレジットカード/デビットカードの詳細をベンダーに開示するリスクを軽減します。スマートフォンとインターネット接続の利用が増加していることが、世界の市場の成長を支える主な要因となっています。Alertify.EUによると、2021年の世界のスマートフォンユーザー数は38億人で、世界人口の48.33%がスマートフォンを所有していることになります。スマートフォンとフィーチャーフォンの合計所有者数は48億8,000万人で、世界人口の62.1％を占める。National Informatics Center（NIC）, Internet and Mobile Association of Indiaによると、インドのインターネットユーザー数は2023年までに8億人に達すると予想されています。このようなインターネット利用者の増加は、インドにおけるモバイルウォレット利用者の増加にもつながっており、2025年には9億人に達すると予想されています。

セグメント別展望

B2Bバーチャルカードサブセグメントが世界のバーチャルカード市場でかなりのシェアを占めると予想されます。

製品タイプの中では、B2Bバーチャルカードサブセグメントが世界のバーチャルカード市場でかなりのシェアを占めると予想されています。このセグメントの成長は、世界中で商品とサービスの輸出入が増加していることに起因しています。このため、主要企業はキャッシュフローの改善、セキュリティの向上、買掛金（AP）の自動化を促進するため、B2B決済プロセスにバーチャルカードを組み込んでいます。例えば、アメリカン・エキスプレスは最近、企業が既に導入している会計システムと連動するように設計された、すぐに導入可能なAPソリューションを発表しました。このツールにより、AP担当者は直接オフィスに出向く必要がなくなり、代わりにACH（Automated Clearing House）小切手やバーチャル・カードを使って遠隔で支払いを行うことができます。

地域別展望

世界のバーチャルカード市場は、北米（米国、カナダ）、欧州（英国、イタリア、スペイン、ドイツ、フランス、その他欧州地域）、アジア太平洋地域（インド、中国、日本、韓国、その他アジア地域）、世界のその他の地域（中東とアフリカ、ラテンアメリカ）を含む地域別にさらに細分化されています。なかでも欧州は、eコマース産業の急成長によるオンライン決済の人気上昇により、予測期間中の収益が堅調に伸びたことから、世界全体の市場で突出したシェアを占めると予測されます。

アジア太平洋地域が世界のバーチャルカード市場で大幅なCAGRで成長する見込み

すべての地域の中で、アジア太平洋地域は予測期間中にかなりのCAGRで成長すると予測されています。この地域の成長は、都市化、スマートフォンユーザー数、特にインド、中国、マレーシア、インドネシアなどの発展途上国におけるバーチャルカードの大幅な増加、デジタル化を推進する政府活動の活発化などに起因しています。アジアン・バンカーズ・ワールドワイドによると、日本のデジタル・ウォレットの普及率は70.6%で、2025年には98.6%に増加すると予想されています。例えば、インド政府は、インターネット接続を改善し、オンライン・インフラを強化し、技術分野でインドをデジタル・エンパワーメントするため、デジタル・インディア・キャンペーンを開始しました。Digital Saksharta Abhiyaan（DISHA）、Centre for Excellence for Internet of Things（CoE-IT）、Digi-Locker、Digitize India Platformなどは、このイニシアチブの下にあるプログラムの一部です。

目次

第1章 レポート概要

• 業界の現状分析と成長ポテンシャルの展望
• 調査方法とツール
• 市場内訳
  • セグメント別
  • 地域別

第2章 市場概要と洞察

• 調査範囲
• アナリストの洞察と現在の市場動向
  • 主な調査結果
  • 推奨事項
  • 結論

第3章 競合情勢

• 主要企業分析
• American Express
  • 概要
  • 財務分析
  • SWOT分析
  • 最近の動向
• Capital One
  • 会社概要
  • 財務分析
  • SWOT分析
  • 最近の動向
• JPMorgan Chase & Co.
  • 概要
  • 財務分析
  • SWOT分析
  • 最近の動向
• 主要戦略分析

第4章 市場セグメンテーション

• バーチャルカードの世界市場：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販売時点情報管理（POS）バーチャルカード
• バーチャルカードの世界市場：業界別
  • メディア・エンターテイメント
  • ホスピタリティ
  • 消費財
  • その他（エネルギー・ユーティリティ、広告、教育）

第5章 地域別分析

• 北米
  • 米国
  • カナダ
• 欧州
  • 英国
  • ドイツ
  • イタリア
  • スペイン
  • フランス
  • その他欧州
• アジア太平洋
  • 中国
  • インド
  • 日本
  • 韓国
  • その他アジア太平洋地域
• 世界のその他の地域

第6章 企業プロファイル

• Aci worldwide Inc.
• Adyen
• Bento Technologies Inc.
• BTRS Holdings, Inc.
• Citigroup Inc.
• Cryptopay Ltd
• DBS Bank Ltd
• EPayService
• HSBC Group Companies
• Marqeta, Inc.
• MasterCard
• Paysafe Holdings UK Ltd.
• Qonto
• State Bank of India
• Stripe, Inc.
• Stripe, Inc.
• WEX Inc.
• Wise Payments Ltd.

LIST OF TABLES

• 1. GLOBAL VIRTUAL CARDS MARKET RESEARCH AND ANALYSIS BY PRODUCT TYPE, 2022-2030 ($ MILLION)
• 2. GLOBAL B2B VIRTUAL CARD MARKET RESEARCH AND ANALYSIS BY REGION, 2022-2030 ($ MILLION)
• 3. GLOBAL B2C REMOTE PAYMENT VIRTUAL CARDS MARKET RESEARCH AND ANALYSIS BY REGION, 2022-2030 ($ MILLION)
• 4. GLOBAL B2C POS VIRTUAL CARDS MARKET RESEARCH AND ANALYSIS BY REGION, 2022-2030 ($ MILLION)
• 5. GLOBAL VIRTUAL CARDS MARKET RESEARCH AND ANALYSIS BY INDUSTRY VERTICAL, 2022-2030 ($ MILLION)
• 6. GLOBAL VIRTUAL CARDS IN MEDIA AND MARKET RESEARCH AND ANALYSIS BY REGION, 2022-2030 ($ MILLION)
• 7. GLOBAL VIRTUAL CARDS IN HOSPITALITY MARKET RESEARCH AND ANALYSIS BY REGION, 2022-2030 ($ MILLION)
• 8. GLOBAL VIRTUAL CARDS IN CONSUMER GOODS MARKET RESEARCH AND ANALYSIS BY REGION, 2022-2030 ($ MILLION)
• 9. GLOBAL VIRTUAL CARDS IN OTHER INDUSTRY VERTICALS MARKET RESEARCH AND ANALYSIS BY REGION, 2022-2030 ($ MILLION)
• 10. GLOBAL VIRTUAL CARDS MARKET RESEARCH AND ANALYSIS BY REGION, 2022-2030 ($ MILLION)
• 11. NORTH AMERICAN VIRTUAL CARDS MARKET RESEARCH AND ANALYSIS BY COUNTRY, 2022-2030 ($ MILLION)
• 12. NORTH AMERICAN VIRTUAL CARDS MARKET RESEARCH AND ANALYSIS BY PRODUCT TYPE, 2022-2030 ($ MILLION)
• 13. NORTH AMERICAN VIRTUAL CARDS MARKET RESEARCH AND ANALYSIS BY INDUSTRY VERTICAL, 2022-2030 ($ MILLION)
• 14. EUROPEAN VIRTUAL CARDS MARKET RESEARCH AND ANALYSIS BY COUNTRY, 2022-2030 ($ MILLION)
• 15. EUROPEAN VIRTUAL CARDS MARKET RESEARCH AND ANALYSIS BY PRODUCT TYPE, 2022-2030 ($ MILLION)
• 16. EUROPEAN VIRTUAL CARDS MARKET RESEARCH AND ANALYSIS BY INDUSTRY VERTICAL, 2022-2030 ($ MILLION)
• 17. ASIA- PACIFIC VIRTUAL CARDS MARKET RESEARCH AND ANALYSIS BY COUNTRY, 2022-2030 ($ MILLION)
• 18. ASIA- PACIFIC VIRTUAL CARDS MARKET RESEARCH AND ANALYSIS BY PRODUCT TYPE, 2022-2030 ($ MILLION)
• 19. ASIA- PACIFIC VIRTUAL CARDS MARKET RESEARCH AND ANALYSIS BY INDUSTRY VERTICAL, 2022-2030 ($ MILLION)
• 20. REST OF THE WORLD VIRTUAL CARDS MARKET RESEARCH AND ANALYSIS BY PRODUCT TYPE, 2022-2030 ($ MILLION)
• 21. REST OF THE WORLD VIRTUAL CARDS MARKET RESEARCH AND ANALYSIS BY INDUSTRY VERTICAL, 2022-2030 ($ MILLION)

LIST OF FIGURES

• 1. GLOBAL VIRTUAL CARDS MARKET SHAREBY PRODUCT TYPE, 2022 VS 2030 (%)
• 2. GLOBAL B2B VIRTUAL CARD MARKET SHARE BY REGION, 2022 VS 2030 (%)
• 3. GLOBAL B2C REMOTE PAYMENT VIRTUAL CARDS MARKET SHARE BY REGION, 2022 VS 2030 (%)
• 4. GLOBAL B2C POS VIRTUAL CARDS MARKET SHARE BY REGION, 2022 VS 2030 (%)
• 5. GLOBAL VIRTUAL CARDS MARKET SHAREBY INDUSTRY VERTICAL, 2022 VS 2030 ($ MILLION)
• 6. GLOBAL VIRTUAL CARDS IN MEDIA AND MARKET SHARE BY REGION, 2022 VS 2030 (%)
• 7. GLOBAL VIRTUAL CARDS IN HOSPITALITY MARKET SHARE BY REGION, 2022 VS 2030 (%)
• 8. GLOBAL VIRTUAL CARDS IN CONSUMER GOODS MARKET SHARE BY REGION, 2022 VS 2030 (%)
• 9. GLOBAL VIRTUAL CARDS IN OTHER INDUSTRY VERTICALS MARKET SHARE BY REGION, 2022 VS 2030 (%)
• 10. GLOBAL VIRTUAL CARDS MARKET SHARE BY REGION, 2022 VS 2030 (%)
• 11. US VIRTUAL CARDS MARKET SIZE, 2022-2030 ($ MILLION)
• 12. CANADA VIRTUAL CARDS MARKET SIZE, 2022-2030 ($ MILLION)
• 13. UK VIRTUAL CARDS MARKET SIZE, 2022-2030 ($ MILLION)
• 14. FRANCE VIRTUAL CARDS MARKET SIZE, 2022-2030 ($ MILLION)
• 15. GERMANY VIRTUAL CARDS MARKET SIZE, 2022-2030 ($ MILLION)
• 16. ITALY VIRTUAL CARDS MARKET SIZE, 2022-2030 ($ MILLION)
• 17. SPAIN VIRTUAL CARDS MARKET SIZE, 2022-2030 ($ MILLION)
• 18. REST OF EUROPE VIRTUAL CARDS MARKET SIZE, 2022-2030 ($ MILLION)
• 19. INDIA VIRTUAL CARDS MARKET SIZE, 2022-2030 ($ MILLION)
• 20. CHINA VIRTUAL CARDS MARKET SIZE, 2022-2030 ($ MILLION)
• 21. JAPAN VIRTUAL CARDS MARKET SIZE, 2022-2030 ($ MILLION)
• 22. SOUTH KOREA VIRTUAL CARDS MARKET SIZE, 2022-2030 ($ MILLION)
• 23. REST OF ASIA-PACIFIC VIRTUAL CARDS MARKET SIZE, 2022-2030 ($ MILLION)
• 24. REST OF THE WORLD VIRTUAL CARDS MARKET SIZE, 2022-2030 ($ MILLION)

Title: Global Virtual Cards Market Size, Share & Trends Analysis Report by Product Type (B2B Virtual Card, B2C Remote Payment Virtual Cards, and B2C Pos Virtual Cards), and by Industry Vertical (Media and Entertainment, Hospitality, Consumer Goods, and Others)Forecast Period (2023-2030).

The global virtual cards market is anticipated to grow at a CAGR of 20.0% during the Forecast Period (2023-2030). virtual card enables secure online transactions and reduces the risk of disclosing the actual credit/debit card details to the vendor. The increasing use of smartphones and internet connectivity is the key factor supporting the growth of the market globally. According to Alertify.EU, in 2021, the number of smartphone users in the world today is 3.8 Billion, which translates to 48.33% of the world's population owning a smartphone. In total, the number of people who own a smart and feature phone is 4.88 Billion, making up 62.1% of the world's population. According to the National Informatics Center (NIC), Internet and Mobile Association of India, the number of internet users in India is expected to reach 800 million by 2023. This increase in internet users has also led to an increase in the number of mobile wallet users in India, which is expected to reach 900 million by 2025.

Segmental Outlook

The global virtual cards market is segmented on the product type and industry vertical. Based on the product type, the market is sub-segmented into B2B virtual card, B2C remote payment virtual cards, and B2C POS virtual cards. Based on the industry vertical, the market is sub-segmented into media and entertainment, hospitality, consumer goods, and others which includes energy and utilities, advertising, and education. Among the product types, the B2C remote payment virtual cards sub-segment is anticipated to hold a prominent market share owing to the rise in online payments. These cards are used for one-time payment transactions and have a limited validity period. The customer can generate the card number, expiry date, and security code (CVV) from the bank's website or mobile application.

B2B Virtual Card Sub-Segment is Anticipated to Hold a Considerable Share of the Global Virtual Cards Market

Among the product types, the B2B virtual card sub-segment is expected to hold a considerable share of the global virtual cards market. The segmental growth is attributed to the increased import and export of goods and services worldwide. Owing to this major companies are integrating virtual cards into their B2B payment processes to improve cash flow, increase security, and facilitate Accounts Payable (AP) automation. For instance, American Express recently launched one such ready-to-fold-in AP solution, which is designed to work with the accounting systems that businesses already have in place. The tool enables AP staff to avoid visiting their offices in person and instead remotely issue payments via automated clearing house (ACH) checks and virtual cards.

Regional Outlook

The global virtual cards market is further segmented based on geography including North America (the US, and Canada), Europe (UK, Italy, Spain, Germany, France, and the Rest of Europe), Asia-Pacific (India, China, Japan, South Korea, and Rest of Asia), and the Rest of the World (the Middle East & Africa, and Latin America). Among these, Europe is anticipated to hold a prominent share of the market across the globe, owing to the robust growth in revenue over the forecast period, owing to the rising popularity of online payments due to the rapid growth of the e-commerce industry during COVID-19

The Asia-Pacific Region is Expected to Grow at a Significant CAGR in the Global Virtual Cards Market

Among all regions, the Asia-Pacific region is anticipated to grow at a considerable CAGR over the forecast period. Regional growth is attributed to the Urbanization, number of smartphone users, and the significant rise in virtual cards, particularly in developing countries including India, China, Malaysia, and Indonesia, and increasing government activities to promote digitalization. According to Asian Bankers Worldwide, Japan has a 70.6% penetration of digital wallets, which is expected to increase to 98.6% by 2025. For instance, the Government of India launched a Digital India campaign to improve internet connectivity, strengthen online infrastructure, and make India digitally empowered in the technological field. Digital Saksharta Abhiyaan (DISHA), Centre for Excellence for Internet of Things (CoE-IT), Digi-Locker, and Digitize India Platform are some of the programs under this initiative.

Market Players Outlook

The major companies serving the market include: Abine Inc., Aci Worldwide Inc., Adyen, Bento Technologies Inc., Billtrust Inc., and others. The market players are considerably contributing to the market growth by the adoption of various strategies including mergers and acquisitions, partnerships, collaborations, funding, and new product launches, to stay competitive in the market. For instance, In July 2023, Mastercard partnered with Billtrust, a B2B order-to-cash software and digital payments market leader, to deliver its latest commercial solution. Requiring minimal implementation effort, Mastercard Receivables Manager enables acquirers to quickly get to market and empowers suppliers to receive virtual card payments with simplicity and ease, thereby optimizing acceptance at scale and increasing card spending opportunities for businesses

The Report Covers:

• Market value data analysis of 2022 and forecast to 2030.
• Annualized market revenues ($ million) for each market segment.
• Country-wise analysis of major geographical regions.
• Key companies operating in the global virtual cards market. Based on the availability of data, information related to new product launches, and relevant news is also available in the report.
• Analysis of business strategies by identifying the key market segments positioned for strong growth in the future.
• Analysis of market-entry and market expansion strategies.
• Competitive strategies by identifying 'who-stands-where' in the market.

Table of Contents

1. Report Summary

• Current Industry Analysis and Growth Potential Outlook
• 1.1. Research Methods and Tools
• 1.2. Market Breakdown
  • 1.2.1. By Segments
  • 1.2.2. By Region

2. Market Overview and Insights

• 2.1. Scope of the Report
• 2.2. Analyst Insight & Current Market Trends
  • 2.2.1. Key Findings
  • 2.2.2. Recommendations
  • 2.2.3. Conclusion

3. Competitive Landscape

• 3.1. Key Company Analysis
• 3.2. American Express
  • 3.2.1. Overview
  • 3.2.2. Financial Analysis
  • 3.2.3. SWOT Analysis
  • 3.2.4. Recent Developments
• 3.3. Capital One
  • 3.3.1. Overview
  • 3.3.2. Financial Analysis
  • 3.3.3. SWOT Analysis
  • 3.3.4. Recent Developments
• 3.4. JPMorgan Chase & Co.
  • 3.4.1. Overview
  • 3.4.2. Financial Analysis
  • 3.4.3. SWOT Analysis
  • 3.4.4. Recent Developments
• 3.5. Key Strategy Analysis

4. Market Segmentation

• 4.1. Global Virtual Cards Market by Product Type
  • 4.1.1. B2B Virtual Card
  • 4.1.2. B2C Remote Payment Virtual Cards
  • 4.1.3. B2C Point-of-Sale (POS) Virtual Cards
• 4.2. Global Virtual Cards Markey by Industry Vertical
  • 4.2.1. Media and Entertainment
  • 4.2.2. Hospitality
  • 4.2.3. Consumer Goods
  • 4.2.4. Others (Energy & Utilities, Advertising, and Education)

5. Regional Analysis

• 5.1. North America
  • 5.1.1. United States
  • 5.1.2. Canada
• 5.2. Europe
  • 5.2.1. UK
  • 5.2.2. Germany
  • 5.2.3. Italy
  • 5.2.4. Spain
  • 5.2.5. France
  • 5.2.6. Rest of Europe
• 5.3. Asia-Pacific
  • 5.3.1. China
  • 5.3.2. India
  • 5.3.3. Japan
  • 5.3.4. South Korea
  • 5.3.5. Rest of Asia-Pacific
• 5.4. Rest of the World

6. Company Profiles

• 6.1. Aci worldwide Inc.
• 6.2. Adyen
• 6.3. Bento Technologies Inc.
• 6.4. BTRS Holdings, Inc.
• 6.5. Citigroup Inc.
• 6.6. Cryptopay Ltd
• 6.7. DBS Bank Ltd
• 6.8. EPayService
• 6.9. HSBC Group Companies
• 6.10. Marqeta, Inc.
• 6.11. MasterCard
• 6.12. Paysafe Holdings UK Ltd.
• 6.13. Qonto
• 6.14. State Bank of India
• 6.15. Stripe, Inc.
• 6.16. Stripe, Inc.
• 6.17. WEX Inc.
• 6.18. Wise Payments Ltd.