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米国のモバイルペイメント

Mobile Payments in the U.S., 5th Edition

発行 Packaged Facts 商品コード 317963
出版日 ページ情報 英文 102 Pages
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米国のモバイルペイメント Mobile Payments in the U.S., 5th Edition
出版日: 2016年02月02日 ページ情報: 英文 102 Pages
概要

当レポートでは、米国のモバイルペイメント市場について調査分析し、モバイルペイメントの利用動向、オンライン・モバイルペイメントの選好動向、モバイルペイメントの種類、モバイル請求書決済の選好動向、国内・国際送金の動向、モバイルP2Pサービス、POS/モバイルPOSペイメントサービスへの関心動向など、体系的な情報を提供しています。

第1章 エグゼクティブサマリー

第2章 市場予測と動向

  • 市場規模と予測
  • モバイル世界
  • モバイルでのアクセス
  • スマートフォンの普遍性
  • モバイルコマースへのシフト
  • モバイル金融サービス
  • ペイメントネットワーク、ほか

第3章 モバイルペイメント方法

  • Mコマース
  • モバイル買い物客が精算方法に注意を向ける
  • モバイルペイメントの種類
  • 国内・国際送金の動向
  • モバイルP2Pサービス、ほか

第4章 モバイルペイメントとカードの関連性

  • カード所有・利用に対するモバイルペイメントの影響
  • モバイルPOSペイメント時にカード選択に影響を与える要因
  • クレジットカードを利用する理由、ほか

第5章 NFCモバイルペイメントと主要企業

  • Apple Pay
  • Android Pay
  • P2P、ほか

第6章 詳細分析:Starbucksモバイルペイメント

  • Starbucks
  • 人口統計分析
  • フットプリント、ほか

第7章 詳細分析:Paypalモバイルペイメント

  • Paypal
  • 成功へのレシピ
  • オムニチャネル体験、ほか

付録

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目次
Product Code: LA5866885

In a world gone mobile, consumer payment preferences and financial services solutions are shifting rapidly to reshape the consumer purchase experience and shake up the competitive landscape. As consumer interest and usage begins to ramp up, mobile point-of-sale payment winners are beginning to emerge, presenting opportunities and challenges for retailers keen to drive customer loyalty and control payments costs and a mix of Old Guard and Young Turk payments providers keen to protect and grow their revenue streams. Growth is not driven by payments in a vacuum; rather, payments solutions are connecting more of the dots (payments, social media, loyalty/rewards, etc.) and doing so more seamlessly, giving consumers more convincing reasons to engage with mobile. But in a world moving to mobile and digital wallets, what handful of mobile solutions will eventually rise to the top? Will retailer momentum translate to payments cost control? In a virtual world, what role does the “card” still play?

Packaged Facts' Mobile & Alternative Payments in the U.S. gives industry participants the insight they need to stay abreast of mobile payments trends, including mobile point-of-sale payments, mobile P2P and mobile commerce. The report does the following:

Explores mobile payment market trends, including tokenization, loyalty/rewards to omni-channel migration, EMV, payment agnostic solutions, and mobile P2P monetization. This includes:

  • Mobile payment usage trends by demographic in three segments: mobile commerce, mobile person-to-person payments, and mobile point-of-sale payments.
  • Online and mobile payment preference trends (i.e. credit card, PayPal, Visa Checkout, etc.), including direct card entry on website versus wallet options.
  • Mobile payment types, ranging from paying bills to making online purchases to P2P and international remittances.
  • Mobile bill payment preference trends, compared against other methods.
  • Domestic and international money transfer trending, by type of service
  • Mobile P2P services used, with analysis of marketplace leaders
  • Trended interest in mobile payments at POS and mobile POS payment services used

Analyzes leading mobile/digital wallet payments solutions, such as Apple Pay, Android Pay, and PayPal; and including retailer mobile payments solutions such as Starbucks. These include demographic analysis of numerous features and benefits beyond payments; and payment/revenue metrics.

Analyzes factors shaping merchant-driven mobile payment models and competitive threats and solutions for card issuers and networks; mobile payments' effect on card ownership and usage; and factors influencing specific card choice when making mobile POS payment.

Provides a U.S. market size and forecast for point-of-sale mobile payments.

Table of Contents

Chapter 1: Executive Summary

  • Report Scope
  • Report Summary
  • Market forecast and trends
  • It's a mobile world
  • The payment networks
  • MasterCard
  • American Express
  • War of the wallets
  • Android Pay and Apple Pay
  • MCX
  • PayPal
  • Samsung Pay
  • Starbucks
  • Chase Pay
  • Walmart Pay
  • Mobile wallets: ingredients to success
  • Authentication methods
  • Monetizing P2P
  • Mobile payment methods
  • M-commerce
  • Mobile payment types
  • Mobile P2P
  • Mobile payments at the point of sale
  • Mobile payments and the card connection
  • The card fades into the background
  • Mobile payments' effect on card ownership and usage
  • Factors influencing card choice when making mobile POS payment
  • Reasons for using credit cards
  • NFC mobile payments and players
  • Apple Pay
  • Android Pay
  • P2P and bill pay:
  • In-depth: Starbucks mobile payments
  • Demographic analysis: An ideal mobile payments candidate
  • Mobile point-of-sale payment usage
  • By the numbers: Starbucks mobile payments
  • The secret sauce: app engagement tying user to Starbucks ecosystem
  • A multi-channel winner
  • But still using cards?
  • Loyalty partnerships promising more to come
  • In-depth: PayPal mobile payments
  • Recipe for success: the PayPal digital wallet
  • Using the mobile app is simplicity itself
  • Usage reach and demographics
  • By the numbers: A mobile payments powerhouse
  • Braintree and Venmo
  • The balancing act: account funding method
  • P2P leadership
  • Mobile POS: gaining traction
  • Mobile usage is pronounced-at point of sale and online
  • New agreements bode well for future growth

Chapter 2: Market Forecast and Trends

  • Market size and forecast
  • Table 2-1: Mobile Point-of-Sale Payments: Market Size and Forecast
  • It's a mobile world
  • Mobile at- home access gaining on PC access
  • Table 2-2: U.S. Adult Home Internet Use: Desktop via Mobile Phone, 2008-2015
  • Smartphone ubiquity around the corner?
  • Table 2-3: U.S. Adult Call Phone and Smartphone Ownership Trends, 2012-2015
  • Shift to mobile commerce
  • And mobile financial service engagement
  • Table 2-4: U.S. Adult App Use and Banking/Finance App Use, 2015
  • The payment networks
  • Visa
  • MasterCard
  • American Express
  • War of the wallets
  • Calling the winners
  • A rosy future
  • Android Pay and Apple Pay
  • MCX
  • PayPal
  • Samsung Pay
  • Starbucks
  • Banks in the mix: Chase Pay
  • Retailers in the mix: Walmart Pay
  • Mobile wallets: ingredients to success
  • Payments in the background
  • Seamless
  • Payments not the primary driver
  • Secure
  • Social
  • Loyalty and rewards
  • Payment method choice
  • Authentication methods
  • The NFC conundrum
  • NFC merchant low but progress is being made
  • Large chain skew
  • Host card emulation
  • EMV transition a bit of a bust
  • Most device upgrades didn't make the deadline
  • Tokenization
  • QR code momentum
  • Monetizing P2P

Chapter 3: Mobile Payment Methods

  • M-commerce
  • Online payment preference trends
  • Table 3-1: Online Payment Method Preferences, 2014-2015
  • Online and mobile payment method preferences
  • Mobile shoppers turn to checkout methods
  • Graph 3-1: Payment Entry/Usage Methods: Online vs. Mobile, by Preference, 2015
  • Demographic mix
  • Scoring with Millennials
  • Table 3-2: Payment Entry/Usage Methods, by Preference and Age, 2015
  • Multi-cultural reach
  • Table 3-3: Payment Entry/Usage Methods, by Preference and Race/Ethnicity, 2015
  • Mobile payment types
  • Table 3-4: Mobile Payments Types Used, by Age, 2015
  • Table 3-5: Mobile Payments Types Used, by HH Income, 2015
  • Table 3-6: Mobile Payments Types Used, by Race/Ethnicity, 2015
  • Mobile bill payment catching up to phone and in-person
  • Table 3-7: Payments Methods Used, Smartphone Users vs. Non-Users, 2015
  • Mobile P2P
  • Domestic and international money transfer trending
  • Table 3-8: U.S. Adult Money Transferors: Domestic and International, 2008-2015
  • PayPal gains on Western Union
  • Table 3-9: Person-to-Person Money Transfer Methods/Services Used in Past 12 Months, 2010-2015
  • Mobile P2P services
  • Graph 3-2: Mobile P2P Services Used, 2015
  • Demographic mix: adoption among women lags
  • Table 3-10: Mobile P2P Services Used, by Gender, 2015
  • Middle age in the mix
  • Table 3-11: Mobile P2P Services Used, by Age, 2015
  • Multi-cultural connections
  • Table 3-12: Mobile P2P Services Used, by Race/Ethnicity, 2015
  • Mobile payments at the point of sale
  • Interest in mobile payments at the point of sale on the rise
  • Table 3-13: Interest in Mobile POS Payments, 2012-2015
  • Mobile POS payment services
  • Graph 3-3: Mobile POS Payment Services Used, 2015
  • Demographic mix
  • Table 3-14: Mobile POS Payment Services Used, by Gender, 2015
  • Table 3-15: Mobile POS Payment Services Used, by HH Income, 2015
  • Usage frequency
  • Table 3-16: Mobile POS Payment Frequency, by Demographic, 2015
  • The card fades into the background
  • Retailer brand loyalty-but not customer card loyalty?
  • Threats to card issuers and networks
  • Mobile payments' effect on card ownership and usage
  • Table 4-1: Mobile POS Payment Services Used, by Gender, 2015
  • Factors influencing card choice when making mobile POS payment
  • Graph 4-1: Factors Influencing Mobile POS Payment Card Funding Choice, 2015
  • Table 4-2: Factors Influencing Mobile POS Payment Card Funding Choice, by Age, 2015
  • Table 4-3: Factors Influencing Mobile POS Payment Card Funding Choice, by HH Income, 2015
  • Reasons for using credit cards
  • Graph 4-2: Reasons for Using Credit Cards, 2015
  • Table 4-4: Reasons for Using Credit Cards, by Gender, Age and HH Income, 015

Chapter 5: NFC Mobile Payments and Players

  • Apple Pay
  • Introduction
  • The nuts and bolts
  • The traction
  • Sizing the Apple ecosystem
  • 70 million Apple Pay users around the corner?
  • Table 5-1: Apple U.S. Usage Universe, by Product/Service, 2015
  • Table 5-2: U.S. Smartphone Ownership, by Operating System, 2015
  • Table 5-3: U.S. Apple Households and iPhone Users, by Demographic, 2015
  • Android Pay
  • Moving from hybrid NFC/cloud-based model . . .
  • . . . to a host card emulation model that leverages the cloud . . .
  • . . . and that grows the usage pie
  • Giving consumers more reasons to use it
  • Gift cards
  • Loyalty programs
  • Google Wallet lives
  • P2P and bill pay?

Chapter 6: In Depth: Starbucks Mobile Payments

  • Starbucks
  • Demographic analysis: An ideal mobile payments candidate
  • Footprint: 35 million
  • Table 6-1: Starbucks U.S. Restaurant Usage and Usage Frequency, 2015
  • Mobile payment demographics a strong fit
  • Table 6-2: Starbucks Coffeehouse Users and Frequent Users, by Demographic, 2015
  • Mobile point-of-sale payments
  • Table 6-3: Starbucks Mobile POS App Users, by Demographic, 2015
  • By the numbers: Starbucks mobile payments
  • Loyalty cards generates more than a third of sales
  • Mobile transactions driving growth
  • Table 6-4: Starbucks Loyalty and Mobile Payment Metrics, 2014-2016
  • The secret sauce: app engagement tying user to Starbucks ecosystem
  • Payments part of a much broader, deeper loyalty strategy
  • Breaking down loyalty: earning Stars drives engagement
  • Mobile Order and Pay out of the gate with a bang
  • But that's not all
  • Graph 6-1: Starbucks Mobile POS App Usage, by Feature, 2015
  • A multi-channel winner
  • The missing link
  • But still using cards?
  • Graph 6-2: Starbucks Account Usage and Rewards Accrual, by Channel/Location, 2015
  • Loyalty partnerships promising more to come

Chapter 7: In Depth: PayPal Mobile Payments

  • PayPal
  • Recipe for success: the PayPal digital wallet
  • Omni-channel experience
  • Secure access and low fraud rates
  • Payment agnostic, but with a plethora of out-of-house and in-house options
  • Using the mobile app is simplicity itself
  • OneTouch is all it takes
  • Usage reach
  • 179 million accounts and counting; a growing merchant base
  • Table 7-1: PayPal Active Customer Accounts, 2012-2015
  • Smartphones in hand, a younger and more affluent demographic
  • Table 7-2: PayPal Users, by Demographic, 2015
  • A significant online payment choice
  • Graph 7-1: Online Purchase in Past Three Months: Payment Method, 2014
  • Extending reach into bill payments
  • By the numbers: A mobile payments powerhouse
  • On top of a growing mountain of payments
  • Table 7-4: PayPal Transaction and Payment Value Metrics, 2012-2015
  • Braintree and Venmo
  • Braintree
  • Table 7-5: PayPal Transaction and Payment Value Metrics, 2012-2015
  • Venmo
  • Table 7-6: Venmo Accountholders, by Demographic, 2015
  • The balancing act: account funding method
  • The take rate
  • Table 7-7: PayPal Take Rate, 2012-2015
  • Primary account funding method
  • Graph 7-2: Primary Method Used to Fund PayPal Account, 2015
  • Account funding demographics raise concerns
  • Could own-branded credit card play a larger role?
  • Table 7-8: Primary Method Used to Fund PayPal Account, by Age, 2015
  • Table 7-9: Primary Method Used to Fund PayPal Account, by HH Income, 2015
  • P2P leadership
  • Table 7-10: Sending/Receiving Money: PayPal vs. Western Union, by Demographic, 2012-2015
  • Mobile POS: gaining traction
  • The Discover network connection
  • Mobile usage is pronounced-at point of sale and online
  • Table 7-11: PayPal Users: Online, Mobile and POS, by Demographic, 2015
  • Macys agreement suggests strong private label potential
  • Can Subway be the next Starbucks?
  • Paydiant in the mix: coming to a retailer near you
  • PayPal Beacon

Appendix

  • Methodology
  • Consumer survey methodology
  • Report table interpretation
  • Color coding
  • Indexing
  • Terms and definitions
  • Report table interpretation
  • Color coding
  • Indexing
  • Terms and definitions
  • Electronic payment system
  • EMV
  • Mobile banking
  • Mobile financial services
  • Mobile payments
  • Mobile P2P
  • Mobile POS
  • Mobile wallets
  • Proximity mobile payment
  • RFID
  • Secure element
  • Smartphone
  • SMS text messaging
  • Tokenization and end-to-end encryption
  • Unbanked, underbanked and alternative financial services users
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