モバイルマネーの市場規模、シェア、成長分析：サービスタイプ別、エンドユーザー別、展開タイプ別、技術別、地域別 - 産業予測 2025～2032年

モバイルマネーの世界市場規模は、2023年に131億米ドルと評価され、2024年の154億6,000万米ドルから2032年には581億米ドルに成長し、予測期間（2025～2032年）のCAGRは18.0％で成長する見通しです。

デジタル金融プラットフォーム分野は、スマートフォンの普及とインターネットアクセスの改善により、これまで十分なサービスを受けられなかった人々も金融サービスを利用できるようになり、力強い成長を遂げています。政府や民間団体がキャッシュレス経済を提唱していることも、モバイル決済システムの普及に寄与しています。銀行インフラが限られていることが多い新興市場では、金融包摂の実現に不可欠なモバイル・ソリューションの恩恵を特に受けています。しかし、規制の複雑さ、セキュリティの問題、接続制限などの課題は依然として残っています。しかし、通信会社、銀行、フィンテック企業間の協力により、サイバーセキュリティの強化や規制の改善により、利用者の信頼が醸成され、こうしたハードルに対処しつつあります。ブロックチェーンやAIのようなイノベーションは、ユーザー体験をさらに最適化し、このダイナミックな環境における持続的な成長を約束しています。

目次

イントロダクション

• 調査の目的
• 調査範囲
• 定義

調査手法

• 情報調達
• 二次と一次データの方法
• 市場規模予測
• 市場の前提条件と制限

エグゼクティブサマリー

• 世界市場の見通し
• 供給と需要の動向分析
• セグメント別機会分析

市場力学と見通し

• 市場概要
• 市場規模
• 市場力学
  • 促進要因と機会
  • 抑制要因と課題
• ポーターの分析

主な市場の考察

• 重要成功要因
• 競合の程度
• 主な投資機会
• 市場エコシステム
• 市場の魅力指数（2024年）
• PESTEL分析
• マクロ経済指標
• バリューチェーン分析
• 価格分析
• 規制情勢
• ケーススタディ
• 技術分析

モバイルマネー市場規模：サービスタイプ別

• 市場概要
• モバイルウォレット
• モバイル決済
• モバイルバンキング
• モバイル送金
• その他

モバイルマネー市場規模：エンドユーザー別

• 市場概要
• 個人消費者
• 中小企業
• 大企業
• 政府

モバイルマネー市場規模：展開タイプ別

• 市場概要
• クラウドベース
• オンプレミス

モバイルマネー市場規模：技術別

• 市場概要
• 近距離無線通信（NFC）
• USSD（非構造化補足サービスデータ）
• SMSベース
• モバイルアプリケーション
• その他

モバイルマネー市場規模

• 北米
  • 米国
  • カナダ
• 欧州
  • ドイツ
  • スペイン
  • フランス
  • 英国
  • イタリア
  • その他欧州地域
• アジア太平洋地域
  • 中国
  • インド
  • 日本
  • 韓国
  • その他アジア太平洋地域
• ラテンアメリカ
  • ブラジル
  • その他ラテンアメリカ地域
• 中東・アフリカ
  • GCC諸国
  • 南アフリカ
  • その他中東・アフリカ

競合情報

• 上位5社の比較
• 主要企業の市場ポジショニング（2024年）
• 主な市場企業が採用した戦略
• 最近の市場動向
• 企業の市場シェア分析（2024年）
• 主要企業の企業プロファイル
  • 企業の詳細
  • 製品ポートフォリオ分析
  • 企業のセグメント別シェア分析
  • 収益の前年比比較（2022～2024年）

主要企業プロファイル

• Paytm（India）
• Alipay（China）
• Google Pay（U.S.）
• Apple Pay（U.S.）
• Samsung Pay（South Korea）
• Venmo（U.S.）
• Square Inc.（U.S.）
• Stripe Inc.（U.S.）
• Airtel Money（India）
• Orange Money（France）
• WorldRemit（U.K.）
• Payoneer（U.S.）
• Skrill（U.K.）
• Neteller（U.K.）
• MobiKwik（India）
• GCash（Philippines）
• EcoCash（Zimbabwe）
• JioMoney（India）

結論と提言

Global Mobile Money Market size was valued at USD 13.1 billion in 2023 and is poised to grow from USD 15.46 billion in 2024 to USD 58.1 billion by 2032, growing at a CAGR of 18.0% during the forecast period (2025-2032).

The digital financial platform sector is experiencing robust growth, fueled by widespread smartphone adoption and improved internet access, which are making financial services available to previously underserved populations. Governments and private entities are advocating for cashless economies, contributing to the popularity of mobile payment systems; their convenience and security appeal to diverse user demographics. Emerging markets, often with limited banking infrastructure, are particularly benefitting from mobile solutions, essential for achieving financial inclusion. However, challenges like regulatory complexities, security issues, and connectivity limitations persist. Nonetheless, collaborations between telecom firms, banks, and fintech companies are addressing these hurdles, with enhanced cybersecurity and regulatory improvements fostering user confidence. Innovations like blockchain and AI are further optimizing user experience, promising sustained growth in this dynamic landscape.

Top-down and bottom-up approaches were used to estimate and validate the size of the Global Mobile Money market and to estimate the size of various other dependent submarkets. The research methodology used to estimate the market size includes the following details: The key players in the market were identified through secondary research, and their market shares in the respective regions were determined through primary and secondary research. This entire procedure includes the study of the annual and financial reports of the top market players and extensive interviews for key insights from industry leaders such as CEOs, VPs, directors, and marketing executives. All percentage shares split, and breakdowns were determined using secondary sources and verified through Primary sources. All possible parameters that affect the markets covered in this research study have been accounted for, viewed in extensive detail, verified through primary research, and analyzed to get the final quantitative and qualitative data.

Global Mobile Money Market Segments Analysis

Global Mobile Money Market is segmented by Service Type, End User, Deployment Type, Technology and region. Based on Service Type, the market is segmented into Mobile Wallets, Mobile Payments, Mobile Banking, Mobile Remittances and Others. Based on End User, the market is segmented into Individual Consumers, Small and Medium Enterprises (SMEs), Large Enterprises and Governments. Based on Deployment Type, the market is segmented into Cloud-based and On-premise. Based on Technology, the market is segmented into Near Field Communication (NFC), USSD (Unstructured Supplementary Service Data), SMS-based, Mobile Applications and Others. Based on region, the market is segmented into North America, Europe, Asia Pacific, Latin America and Middle East & Africa.

Driver of the Global Mobile Money Market

The surge in mobile infrastructure and internet accessibility is propelling the expansion of the global mobile money market. As of 2023, approximately 57% of the world's population, equating to 4.6 billion individuals, gained access to mobile internet, largely supported by substantial investments totaling USD 1.6 trillion in mobile broadband. Various government initiatives further contribute to this growth; for example, the U.S. has allocated USD 667 million for rural broadband development, while Australia is investing USD 14 million in the STAND expansion. Additionally, India's Starlink satellite internet deployment and Somalia's introduction of 5G by Hormuud Telecom are helping to mitigate digital disparities, promoting financial inclusion, and accelerating the adoption of mobile money services worldwide.

Restraints in the Global Mobile Money Market

The global mobile money market is hindered by significant barriers stemming from fragmented regulations and inconsistent policies across different jurisdictions. As of 2023, only 47 of the 89 countries with active mobile money services have implemented supportive regulatory frameworks, leaving over 2.7 billion adults in regions where restrictive regulations impede both financial inclusion and innovation. For instance, in India, the Reserve Bank has increased scrutiny on fintech companies, resulting in actions like the order for Paytm to dissolve its banking unit due to compliance issues. In Nigeria, MTN was slapped with a $5.2 billion fine for not disconnecting unregistered SIM cards, illustrating the complexities of navigating varied regulatory landscapes. Such instances highlight the urgent necessity for harmonized regulations to enable smooth mobile money transactions and operations worldwide.

Market Trends of the Global Mobile Money Market

The global mobile money market is experiencing a robust evolution, characterized by the rapid adoption of digital wallets and contactless payment systems. As of 2023, the market has witnessed a remarkable 14% surge in transaction volume, totaling USD 1.4 trillion annually, translating to USD 2.7 million transacted every minute. This trend is particularly vibrant in Sub-Saharan Africa, where mobile money services have seen explosive growth, with registered accounts doubling over the last decade. Governments worldwide are reinforcing this shift towards cashless economies by implementing supportive regulations, exemplified by India's launch of UPI 123PAY and UPI 3.0, which facilitate accessibility for all demographics, particularly low connectivity users, and strive to bridge linguistic gaps in digital transactions.

Table of Contents

Introduction

• Objectives of the Study
• Scope of the Report
• Definitions

Research Methodology

• Information Procurement
• Secondary & Primary Data Methods
• Market Size Estimation
• Market Assumptions & Limitations

Executive Summary

• Global Market Outlook
• Supply & Demand Trend Analysis
• Segmental Opportunity Analysis

Market Dynamics & Outlook

• Market Overview
• Market Size
• Market Dynamics
  • Drivers & Opportunities
  • Restraints & Challenges
• Porters Analysis
  • Competitive rivalry
  • Threat of substitute
  • Bargaining power of buyers
  • Threat of new entrants
  • Bargaining power of suppliers

Key Market Insights

• Key Success Factors
• Degree of Competition
• Top Investment Pockets
• Market Ecosystem
• Market Attractiveness Index, 2024
• PESTEL Analysis
• Macro-Economic Indicators
• Value Chain Analysis
• Pricing Analysis
• Regulatory Landscape
• Case Studies
• Technological Analysis

Global Mobile Money Market Size by Service Type & CAGR (2025-2032)

• Market Overview
• Mobile Wallets
• Mobile Payments
• Mobile Banking
• Mobile Remittances
• Others

Global Mobile Money Market Size by End User & CAGR (2025-2032)

• Market Overview
• Individual Consumers
• Small and Medium Enterprises (SMEs)
• Large Enterprises
• Governments

Global Mobile Money Market Size by Deployment Type & CAGR (2025-2032)

• Market Overview
• Cloud-based
• On-premise

Global Mobile Money Market Size by Technology & CAGR (2025-2032)

• Market Overview
• Near Field Communication (NFC)
• USSD (Unstructured Supplementary Service Data)
• SMS-based
• Mobile Applications
• Others

Global Mobile Money Market Size & CAGR (2025-2032)

• North America (Service Type, End User, Deployment Type, Technology)
  • US
  • Canada
• Europe (Service Type, End User, Deployment Type, Technology)
  • Germany
  • Spain
  • France
  • UK
  • Italy
  • Rest of Europe
• Asia Pacific (Service Type, End User, Deployment Type, Technology)
  • China
  • India
  • Japan
  • South Korea
  • Rest of Asia-Pacific
• Latin America (Service Type, End User, Deployment Type, Technology)
  • Brazil
  • Rest of Latin America
• Middle East & Africa (Service Type, End User, Deployment Type, Technology)
  • GCC Countries
  • South Africa
  • Rest of Middle East & Africa

Competitive Intelligence

• Top 5 Player Comparison
• Market Positioning of Key Players, 2024
• Strategies Adopted by Key Market Players
• Recent Developments in the Market
• Company Market Share Analysis, 2024
• Company Profiles of All Key Players
  • Company Details
  • Product Portfolio Analysis
  • Company's Segmental Share Analysis
  • Revenue Y-O-Y Comparison (2022-2024)

Key Company Profiles

• Paytm (India)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Alipay (China)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Google Pay (U.S.)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Apple Pay (U.S.)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Samsung Pay (South Korea)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Venmo (U.S.)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Square Inc. (U.S.)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Stripe Inc. (U.S.)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Airtel Money (India)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Orange Money (France)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• WorldRemit (U.K.)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Payoneer (U.S.)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Skrill (U.K.)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Neteller (U.K.)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• MobiKwik (India)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• GCash (Philippines)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• EcoCash (Zimbabwe)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• JioMoney (India)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments

Conclusion & Recommendations