モバイルウォレットと非接触型決済市場の2032年までの予測： タイプ別、決済モード別、技術別、エンドユーザー別、地域別の世界分析

Stratistics MRCによると、世界のモバイルウォレットと非接触型決済市場は、2025年に670億4,000万米ドルを占め、予測期間中のCAGRは19.6％で成長し、2032年には2,346億9,000万米ドルに達すると予測されています。

モバイルウォレットと非接触型決済は、スマートフォン、スマートウォッチ、非接触型カードを使用して安全な取引を可能にするデジタル決済技術を指します。モバイルウォレットは決済情報をデジタルで保存し、ユーザーはQRコードをスキャンしたり、NFC（近距離無線通信）などの技術を使ってPOS端末の近くで端末をタップすることで支払いができます。非接触型決済も同様に、RFIDやNFCを使用して物理的な接触なしに支払いを処理します。これらの方法は、現金や物理的なカードの必要性を減らすことで、取引のスピード、利便性、安全性を向上させる。小売、交通機関、オンラインサービスなどで広く採用され、シームレスで衛生的な金融取引を支えています。

スマートフォン普及率の上昇

スマートフォンの世界の普及率は、モバイルウォレットと非接触型決済市場の主要な促進要因となっています。消費者がNFCやモバイルインターネットを搭載した手ごろな価格のスマートフォンにアクセスするようになり、デジタル決済の導入が急増しています。特に新興市場では、スマートフォンの急激な普及が見られ、銀行口座を持たない人々の金融包摂を可能にしています。このようなデバイスの普及により、モバイルベースの金融取引の基盤が構築され、小売、公共事業、公共交通機関、ピアツーピアでの送金など、より広範なデジタル化の動向がサポートされています。

データのプライバシーとセキュリティに関する懸念

データプライバシーとセキュリティへの懸念は、モバイルウォレットと非接触型決済の成長に大きな障壁となっています。サイバー攻撃、個人情報の盗難、財務データへの不正アクセスへの懸念が、ユーザーをこうした技術の採用に躊躇させています。特にサイバーセキュリティに関する法律が脆弱な地域では、有名な情報漏えい事件やデジタルインフラストラクチャに対する信頼感の欠如が消費者や企業を牽制し、最終的に市場浸透を遅らせ、デジタル決済ソリューションの普及を妨げています。

eコマースとデジタルエコシステムの成長

eコマースプラットフォームとデジタルエコシステムの急速な成長は、モバイルウォレットと非接触型決済にとって大きな機会となります。オンライン小売業者、フードデリバリーアプリ、ストリーミングサービス、スーパーアプリは、シームレスなワンクリック取引を実現するため、ウォレット機能をますます統合しています。この利便性は、魅力的なキャッシュバックやロイヤルティプログラムと相まって、ユーザーの定着率を高めています。さらに、フィンテック企業と加盟店のパートナーシップや、組み込み型金融の進化は、デジタル・バリュー・チェーン全体にわたってウォレット統合を推進し、キャッシュレス消費者経済を育成し続けています。

相互運用性の問題

相互運用性の問題は、断片的なユーザーエクスペリエンスを生み出すことで、モバイルウォレットと非接触型決済市場に否定的かつ阻害的な影響を与えます。異なるプラットフォーム、銀行、決済システム間の非互換性は、様々な加盟店や地域におけるシームレスな取引を制限します。このため、特に標準化されたインフラやクロスプラットフォームの統合が不十分な地域では、消費者や企業がデジタル決済手段を全面的に採用する意欲を失い、ユーザーの信頼が低下し、市場成長の妨げとなります。

COVID-19の影響

COVID-19の大流行は、消費者や企業が衛生面や安全性を優先したため、モバイルウォレットや非接触型決済の採用を大幅に加速させました。物理的な通貨や表面を介したウイルス感染を恐れ、デジタル取引へのシフトが進みました。小売業者やサービスプロバイダーは、消費者の嗜好の変化に対応するために非接触型ソリューションを急速に採用し、最小限の接触しか奨励しない政府のガイドラインが利用急増をさらに後押しし、長期的なデジタル決済の変革を推進しました。

予測期間中、ブルートゥースセグメントが最大となる見込み

ブルートゥース分野は、その安全な近接通信機能により、予測期間中最大の市場シェアを占めると予想されます。ブルートゥース技術は、暗号化されたデバイス間接続を可能にし、ウェアラブル決済デバイスやスマートウォッチで一般的に使用されています。消費電力が低く、既存のハードウェアとの統合が容易で、デバイスのペアリングをサポートしているため、モバイルウォレット・インフラストラクチャでよく利用されています。ウェアラブルやIoT決済が普及するにつれ、Bluetoothの信頼性とアクセシビリティは、非接触型決済技術におけるリーダーとしての地位を強化しています。

QRコードセグメントは予測期間中最も高いCAGRが見込まれる

予測期間中、QRコード分野は、そのシンプルさ、インフラコストの低さ、新興市場での大規模な採用により、最も高い成長率を記録すると予測されます。QRベースの決済システムは物理的なPOS端末を必要とせず、基本的なモバイルインターネット上で動作します。アリペイ（Alipay）、ペイティーエム（Paytm）、バラートペー（BharatPe）などのアプリによって普及したQRコードは、小規模な加盟店のオンボーディングとデジタル決済の大規模な受け入れを容易にします。パンデミックによる行動シフトやインドのUPIのような政府主導の取り組みがQRの普及を後押しし、予測期間中の急速な拡大に拍車をかけています。

最大のシェアを占める地域：

予測期間中、アジア太平洋地域は、デジタルウォレットの早期導入、QRコードの普及、キャッシュレス経済に対する政府の強力な支援により、最大の市場シェアを占めると予想されます。中国、インド、東南アジア諸国はダイナミックなフィンテック環境を培っており、モバイルファーストのコマースエコシステムを育成しています。Alipay、WeChat Pay、Paytmといった主要企業の存在が、この地域の勢いを加速させています。好意的な人口統計、スマートフォンの普及、中間層の増加により、アジア太平洋地域は市場収益の支配的勢力としてさらに位置づけられています。

CAGRが最も高い地域：

予測期間中、摩擦の少ない決済への需要の高まり、NFC対応デバイスの利用増加、デジタルファーストの消費者嗜好により、北米地域が最も高いCAGRを示すと予測されます。アップルペイ、グーグルペイ、サムスンペイなどの大手企業は、ユーザーエクスペリエンスを向上させ、小売店やオンラインチャネルでの受け入れを拡大するため、継続的に技術革新を行っています。さらに、強力なサイバーセキュリティのフレームワークと金融インフラが市場の準備に貢献しています。企業がデジタルトランスフォーメーションを優先する中、北米では非接触型決済とモバイル決済の導入が持続的に成長すると予想されます。

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目次

第1章 エグゼクティブサマリー

第2章 序文

• 概要
• ステークホルダー
• 調査範囲
• 調査手法
  • データマイニング
  • データ分析
  • データ検証
  • 調査アプローチ
• 調査資料
  • 1次調査資料
  • 2次調査情報源
  • 前提条件

第3章 市場動向分析

• 促進要因
• 抑制要因
• 機会
• 脅威
• 技術分析
• エンドユーザー分析
• 新興市場
• COVID-19の影響

第4章 ポーターのファイブフォース分析

• 供給企業の交渉力
• 買い手の交渉力
• 代替品の脅威
• 新規参入業者の脅威
• 競争企業間の敵対関係

第5章 世界のモバイルウォレットと非接触型決済市場：タイプ別

• 近接決済
• リモート決済

第6章 世界のモバイルウォレットと非接触型決済市場：決済モード別

• モバイルウォレット
• 非接触型カード
• ウェアラブル

第7章 世界のモバイルウォレットと非接触型決済市場：技術別

• 近距離無線通信（NFC）
• QRコード
• 磁気セキュアトランスミッション（MST）
• Bluetooth
• RFID

第8章 世界のモバイルウォレットと非接触型決済市場：エンドユーザー別

• 小売り
• 交通機関
• ヘルスケア
• ホスピタリティ
• ユーティリティ
• 政府
• エンターテインメントとメディア
• 銀行業務
• その他のエンドユーザー

第9章 世界のモバイルウォレットと非接触型決済市場：地域別

• 北米
  • 米国
  • カナダ
  • メキシコ
• 欧州
  • ドイツ
  • 英国
  • イタリア
  • フランス
  • スペイン
  • その他欧州
• アジア太平洋
  • 日本
  • 中国
  • インド
  • オーストラリア
  • ニュージーランド
  • 韓国
  • その他アジア太平洋地域
• 南米
  • アルゼンチン
  • ブラジル
  • チリ
  • その他南米
• 中東・アフリカ
  • サウジアラビア
  • アラブ首長国連邦
  • カタール
  • 南アフリカ
  • その他中東とアフリカ

第10章 主な発展

• 契約、パートナーシップ、コラボレーション、ジョイントベンチャー
• 買収と合併
• 新製品発売
• 事業拡大
• その他の主要戦略

第11章 企業プロファイリング

• Apple Inc.
• Google LLC
• Samsung Electronics Co., Ltd.
• PayPal Holdings, Inc.
• Mastercard Incorporated
• Visa Inc.
• Amazon.com, Inc.
• Alipay
• Tencent Holdings Ltd.
• Square, Inc.
• American Express Company
• Huawei Technologies Co., Ltd.
• Xiaomi Corporation
• Rakuten Group, Inc.
• Barclays PLC
• Stripe, Inc.
• Worldline SA
• Adyen N.V.

List of Tables

• Table 1 Global Mobile Wallets and Contactless Payments Market Outlook, By Region (2024-2032) ($MN)
• Table 2 Global Mobile Wallets and Contactless Payments Market Outlook, By Type (2024-2032) ($MN)
• Table 3 Global Mobile Wallets and Contactless Payments Market Outlook, By Proximity Payment (2024-2032) ($MN)
• Table 4 Global Mobile Wallets and Contactless Payments Market Outlook, By Remote Payment (2024-2032) ($MN)
• Table 5 Global Mobile Wallets and Contactless Payments Market Outlook, By Payment Mode (2024-2032) ($MN)
• Table 6 Global Mobile Wallets and Contactless Payments Market Outlook, By Mobile Wallets (2024-2032) ($MN)
• Table 7 Global Mobile Wallets and Contactless Payments Market Outlook, By Contactless Cards (2024-2032) ($MN)
• Table 8 Global Mobile Wallets and Contactless Payments Market Outlook, By Wearables (2024-2032) ($MN)
• Table 9 Global Mobile Wallets and Contactless Payments Market Outlook, By Technology (2024-2032) ($MN)
• Table 10 Global Mobile Wallets and Contactless Payments Market Outlook, By Near Field Communication (NFC) (2024-2032) ($MN)
• Table 11 Global Mobile Wallets and Contactless Payments Market Outlook, By QR Code (2024-2032) ($MN)
• Table 12 Global Mobile Wallets and Contactless Payments Market Outlook, By Magnetic Secure Transmission (MST) (2024-2032) ($MN)
• Table 13 Global Mobile Wallets and Contactless Payments Market Outlook, By Bluetooth (2024-2032) ($MN)
• Table 14 Global Mobile Wallets and Contactless Payments Market Outlook, By RFID (2024-2032) ($MN)
• Table 15 Global Mobile Wallets and Contactless Payments Market Outlook, By End User (2024-2032) ($MN)
• Table 16 Global Mobile Wallets and Contactless Payments Market Outlook, By Retail (2024-2032) ($MN)
• Table 17 Global Mobile Wallets and Contactless Payments Market Outlook, By Transportation (2024-2032) ($MN)
• Table 18 Global Mobile Wallets and Contactless Payments Market Outlook, By Healthcare (2024-2032) ($MN)
• Table 19 Global Mobile Wallets and Contactless Payments Market Outlook, By Hospitality (2024-2032) ($MN)
• Table 20 Global Mobile Wallets and Contactless Payments Market Outlook, By Utilities (2024-2032) ($MN)
• Table 21 Global Mobile Wallets and Contactless Payments Market Outlook, By Government (2024-2032) ($MN)
• Table 22 Global Mobile Wallets and Contactless Payments Market Outlook, By Entertainment & Media (2024-2032) ($MN)
• Table 23 Global Mobile Wallets and Contactless Payments Market Outlook, By Banking (2024-2032) ($MN)
• Table 24 Global Mobile Wallets and Contactless Payments Market Outlook, By Other End Users (2024-2032) ($MN)
• Table 25 North America Mobile Wallets and Contactless Payments Market Outlook, By Country (2024-2032) ($MN)
• Table 26 North America Mobile Wallets and Contactless Payments Market Outlook, By Type (2024-2032) ($MN)
• Table 27 North America Mobile Wallets and Contactless Payments Market Outlook, By Proximity Payment (2024-2032) ($MN)
• Table 28 North America Mobile Wallets and Contactless Payments Market Outlook, By Remote Payment (2024-2032) ($MN)
• Table 29 North America Mobile Wallets and Contactless Payments Market Outlook, By Payment Mode (2024-2032) ($MN)
• Table 30 North America Mobile Wallets and Contactless Payments Market Outlook, By Mobile Wallets (2024-2032) ($MN)
• Table 31 North America Mobile Wallets and Contactless Payments Market Outlook, By Contactless Cards (2024-2032) ($MN)
• Table 32 North America Mobile Wallets and Contactless Payments Market Outlook, By Wearables (2024-2032) ($MN)
• Table 33 North America Mobile Wallets and Contactless Payments Market Outlook, By Technology (2024-2032) ($MN)
• Table 34 North America Mobile Wallets and Contactless Payments Market Outlook, By Near Field Communication (NFC) (2024-2032) ($MN)
• Table 35 North America Mobile Wallets and Contactless Payments Market Outlook, By QR Code (2024-2032) ($MN)
• Table 36 North America Mobile Wallets and Contactless Payments Market Outlook, By Magnetic Secure Transmission (MST) (2024-2032) ($MN)
• Table 37 North America Mobile Wallets and Contactless Payments Market Outlook, By Bluetooth (2024-2032) ($MN)
• Table 38 North America Mobile Wallets and Contactless Payments Market Outlook, By RFID (2024-2032) ($MN)
• Table 39 North America Mobile Wallets and Contactless Payments Market Outlook, By End User (2024-2032) ($MN)
• Table 40 North America Mobile Wallets and Contactless Payments Market Outlook, By Retail (2024-2032) ($MN)
• Table 41 North America Mobile Wallets and Contactless Payments Market Outlook, By Transportation (2024-2032) ($MN)
• Table 42 North America Mobile Wallets and Contactless Payments Market Outlook, By Healthcare (2024-2032) ($MN)
• Table 43 North America Mobile Wallets and Contactless Payments Market Outlook, By Hospitality (2024-2032) ($MN)
• Table 44 North America Mobile Wallets and Contactless Payments Market Outlook, By Utilities (2024-2032) ($MN)
• Table 45 North America Mobile Wallets and Contactless Payments Market Outlook, By Government (2024-2032) ($MN)
• Table 46 North America Mobile Wallets and Contactless Payments Market Outlook, By Entertainment & Media (2024-2032) ($MN)
• Table 47 North America Mobile Wallets and Contactless Payments Market Outlook, By Banking (2024-2032) ($MN)
• Table 48 North America Mobile Wallets and Contactless Payments Market Outlook, By Other End Users (2024-2032) ($MN)
• Table 49 Europe Mobile Wallets and Contactless Payments Market Outlook, By Country (2024-2032) ($MN)
• Table 50 Europe Mobile Wallets and Contactless Payments Market Outlook, By Type (2024-2032) ($MN)
• Table 51 Europe Mobile Wallets and Contactless Payments Market Outlook, By Proximity Payment (2024-2032) ($MN)
• Table 52 Europe Mobile Wallets and Contactless Payments Market Outlook, By Remote Payment (2024-2032) ($MN)
• Table 53 Europe Mobile Wallets and Contactless Payments Market Outlook, By Payment Mode (2024-2032) ($MN)
• Table 54 Europe Mobile Wallets and Contactless Payments Market Outlook, By Mobile Wallets (2024-2032) ($MN)
• Table 55 Europe Mobile Wallets and Contactless Payments Market Outlook, By Contactless Cards (2024-2032) ($MN)
• Table 56 Europe Mobile Wallets and Contactless Payments Market Outlook, By Wearables (2024-2032) ($MN)
• Table 57 Europe Mobile Wallets and Contactless Payments Market Outlook, By Technology (2024-2032) ($MN)
• Table 58 Europe Mobile Wallets and Contactless Payments Market Outlook, By Near Field Communication (NFC) (2024-2032) ($MN)
• Table 59 Europe Mobile Wallets and Contactless Payments Market Outlook, By QR Code (2024-2032) ($MN)
• Table 60 Europe Mobile Wallets and Contactless Payments Market Outlook, By Magnetic Secure Transmission (MST) (2024-2032) ($MN)
• Table 61 Europe Mobile Wallets and Contactless Payments Market Outlook, By Bluetooth (2024-2032) ($MN)
• Table 62 Europe Mobile Wallets and Contactless Payments Market Outlook, By RFID (2024-2032) ($MN)
• Table 63 Europe Mobile Wallets and Contactless Payments Market Outlook, By End User (2024-2032) ($MN)
• Table 64 Europe Mobile Wallets and Contactless Payments Market Outlook, By Retail (2024-2032) ($MN)
• Table 65 Europe Mobile Wallets and Contactless Payments Market Outlook, By Transportation (2024-2032) ($MN)
• Table 66 Europe Mobile Wallets and Contactless Payments Market Outlook, By Healthcare (2024-2032) ($MN)
• Table 67 Europe Mobile Wallets and Contactless Payments Market Outlook, By Hospitality (2024-2032) ($MN)
• Table 68 Europe Mobile Wallets and Contactless Payments Market Outlook, By Utilities (2024-2032) ($MN)
• Table 69 Europe Mobile Wallets and Contactless Payments Market Outlook, By Government (2024-2032) ($MN)
• Table 70 Europe Mobile Wallets and Contactless Payments Market Outlook, By Entertainment & Media (2024-2032) ($MN)
• Table 71 Europe Mobile Wallets and Contactless Payments Market Outlook, By Banking (2024-2032) ($MN)
• Table 72 Europe Mobile Wallets and Contactless Payments Market Outlook, By Other End Users (2024-2032) ($MN)
• Table 73 Asia Pacific Mobile Wallets and Contactless Payments Market Outlook, By Country (2024-2032) ($MN)
• Table 74 Asia Pacific Mobile Wallets and Contactless Payments Market Outlook, By Type (2024-2032) ($MN)
• Table 75 Asia Pacific Mobile Wallets and Contactless Payments Market Outlook, By Proximity Payment (2024-2032) ($MN)
• Table 76 Asia Pacific Mobile Wallets and Contactless Payments Market Outlook, By Remote Payment (2024-2032) ($MN)
• Table 77 Asia Pacific Mobile Wallets and Contactless Payments Market Outlook, By Payment Mode (2024-2032) ($MN)
• Table 78 Asia Pacific Mobile Wallets and Contactless Payments Market Outlook, By Mobile Wallets (2024-2032) ($MN)
• Table 79 Asia Pacific Mobile Wallets and Contactless Payments Market Outlook, By Contactless Cards (2024-2032) ($MN)
• Table 80 Asia Pacific Mobile Wallets and Contactless Payments Market Outlook, By Wearables (2024-2032) ($MN)
• Table 81 Asia Pacific Mobile Wallets and Contactless Payments Market Outlook, By Technology (2024-2032) ($MN)
• Table 82 Asia Pacific Mobile Wallets and Contactless Payments Market Outlook, By Near Field Communication (NFC) (2024-2032) ($MN)
• Table 83 Asia Pacific Mobile Wallets and Contactless Payments Market Outlook, By QR Code (2024-2032) ($MN)
• Table 84 Asia Pacific Mobile Wallets and Contactless Payments Market Outlook, By Magnetic Secure Transmission (MST) (2024-2032) ($MN)
• Table 85 Asia Pacific Mobile Wallets and Contactless Payments Market Outlook, By Bluetooth (2024-2032) ($MN)
• Table 86 Asia Pacific Mobile Wallets and Contactless Payments Market Outlook, By RFID (2024-2032) ($MN)
• Table 87 Asia Pacific Mobile Wallets and Contactless Payments Market Outlook, By End User (2024-2032) ($MN)
• Table 88 Asia Pacific Mobile Wallets and Contactless Payments Market Outlook, By Retail (2024-2032) ($MN)
• Table 89 Asia Pacific Mobile Wallets and Contactless Payments Market Outlook, By Transportation (2024-2032) ($MN)
• Table 90 Asia Pacific Mobile Wallets and Contactless Payments Market Outlook, By Healthcare (2024-2032) ($MN)
• Table 91 Asia Pacific Mobile Wallets and Contactless Payments Market Outlook, By Hospitality (2024-2032) ($MN)
• Table 92 Asia Pacific Mobile Wallets and Contactless Payments Market Outlook, By Utilities (2024-2032) ($MN)
• Table 93 Asia Pacific Mobile Wallets and Contactless Payments Market Outlook, By Government (2024-2032) ($MN)
• Table 94 Asia Pacific Mobile Wallets and Contactless Payments Market Outlook, By Entertainment & Media (2024-2032) ($MN)
• Table 95 Asia Pacific Mobile Wallets and Contactless Payments Market Outlook, By Banking (2024-2032) ($MN)
• Table 96 Asia Pacific Mobile Wallets and Contactless Payments Market Outlook, By Other End Users (2024-2032) ($MN)
• Table 97 South America Mobile Wallets and Contactless Payments Market Outlook, By Country (2024-2032) ($MN)
• Table 98 South America Mobile Wallets and Contactless Payments Market Outlook, By Type (2024-2032) ($MN)
• Table 99 South America Mobile Wallets and Contactless Payments Market Outlook, By Proximity Payment (2024-2032) ($MN)
• Table 100 South America Mobile Wallets and Contactless Payments Market Outlook, By Remote Payment (2024-2032) ($MN)
• Table 101 South America Mobile Wallets and Contactless Payments Market Outlook, By Payment Mode (2024-2032) ($MN)
• Table 102 South America Mobile Wallets and Contactless Payments Market Outlook, By Mobile Wallets (2024-2032) ($MN)
• Table 103 South America Mobile Wallets and Contactless Payments Market Outlook, By Contactless Cards (2024-2032) ($MN)
• Table 104 South America Mobile Wallets and Contactless Payments Market Outlook, By Wearables (2024-2032) ($MN)
• Table 105 South America Mobile Wallets and Contactless Payments Market Outlook, By Technology (2024-2032) ($MN)
• Table 106 South America Mobile Wallets and Contactless Payments Market Outlook, By Near Field Communication (NFC) (2024-2032) ($MN)
• Table 107 South America Mobile Wallets and Contactless Payments Market Outlook, By QR Code (2024-2032) ($MN)
• Table 108 South America Mobile Wallets and Contactless Payments Market Outlook, By Magnetic Secure Transmission (MST) (2024-2032) ($MN)
• Table 109 South America Mobile Wallets and Contactless Payments Market Outlook, By Bluetooth (2024-2032) ($MN)
• Table 110 South America Mobile Wallets and Contactless Payments Market Outlook, By RFID (2024-2032) ($MN)
• Table 111 South America Mobile Wallets and Contactless Payments Market Outlook, By End User (2024-2032) ($MN)
• Table 112 South America Mobile Wallets and Contactless Payments Market Outlook, By Retail (2024-2032) ($MN)
• Table 113 South America Mobile Wallets and Contactless Payments Market Outlook, By Transportation (2024-2032) ($MN)
• Table 114 South America Mobile Wallets and Contactless Payments Market Outlook, By Healthcare (2024-2032) ($MN)
• Table 115 South America Mobile Wallets and Contactless Payments Market Outlook, By Hospitality (2024-2032) ($MN)
• Table 116 South America Mobile Wallets and Contactless Payments Market Outlook, By Utilities (2024-2032) ($MN)
• Table 117 South America Mobile Wallets and Contactless Payments Market Outlook, By Government (2024-2032) ($MN)
• Table 118 South America Mobile Wallets and Contactless Payments Market Outlook, By Entertainment & Media (2024-2032) ($MN)
• Table 119 South America Mobile Wallets and Contactless Payments Market Outlook, By Banking (2024-2032) ($MN)
• Table 120 South America Mobile Wallets and Contactless Payments Market Outlook, By Other End Users (2024-2032) ($MN)
• Table 121 Middle East & Africa Mobile Wallets and Contactless Payments Market Outlook, By Country (2024-2032) ($MN)
• Table 122 Middle East & Africa Mobile Wallets and Contactless Payments Market Outlook, By Type (2024-2032) ($MN)
• Table 123 Middle East & Africa Mobile Wallets and Contactless Payments Market Outlook, By Proximity Payment (2024-2032) ($MN)
• Table 124 Middle East & Africa Mobile Wallets and Contactless Payments Market Outlook, By Remote Payment (2024-2032) ($MN)
• Table 125 Middle East & Africa Mobile Wallets and Contactless Payments Market Outlook, By Payment Mode (2024-2032) ($MN)
• Table 126 Middle East & Africa Mobile Wallets and Contactless Payments Market Outlook, By Mobile Wallets (2024-2032) ($MN)
• Table 127 Middle East & Africa Mobile Wallets and Contactless Payments Market Outlook, By Contactless Cards (2024-2032) ($MN)
• Table 128 Middle East & Africa Mobile Wallets and Contactless Payments Market Outlook, By Wearables (2024-2032) ($MN)
• Table 129 Middle East & Africa Mobile Wallets and Contactless Payments Market Outlook, By Technology (2024-2032) ($MN)
• Table 130 Middle East & Africa Mobile Wallets and Contactless Payments Market Outlook, By Near Field Communication (NFC) (2024-2032) ($MN)
• Table 131 Middle East & Africa Mobile Wallets and Contactless Payments Market Outlook, By QR Code (2024-2032) ($MN)
• Table 132 Middle East & Africa Mobile Wallets and Contactless Payments Market Outlook, By Magnetic Secure Transmission (MST) (2024-2032) ($MN)
• Table 133 Middle East & Africa Mobile Wallets and Contactless Payments Market Outlook, By Bluetooth (2024-2032) ($MN)
• Table 134 Middle East & Africa Mobile Wallets and Contactless Payments Market Outlook, By RFID (2024-2032) ($MN)
• Table 135 Middle East & Africa Mobile Wallets and Contactless Payments Market Outlook, By End User (2024-2032) ($MN)
• Table 136 Middle East & Africa Mobile Wallets and Contactless Payments Market Outlook, By Retail (2024-2032) ($MN)
• Table 137 Middle East & Africa Mobile Wallets and Contactless Payments Market Outlook, By Transportation (2024-2032) ($MN)
• Table 138 Middle East & Africa Mobile Wallets and Contactless Payments Market Outlook, By Healthcare (2024-2032) ($MN)
• Table 139 Middle East & Africa Mobile Wallets and Contactless Payments Market Outlook, By Hospitality (2024-2032) ($MN)
• Table 140 Middle East & Africa Mobile Wallets and Contactless Payments Market Outlook, By Utilities (2024-2032) ($MN)
• Table 141 Middle East & Africa Mobile Wallets and Contactless Payments Market Outlook, By Government (2024-2032) ($MN)
• Table 142 Middle East & Africa Mobile Wallets and Contactless Payments Market Outlook, By Entertainment & Media (2024-2032) ($MN)
• Table 143 Middle East & Africa Mobile Wallets and Contactless Payments Market Outlook, By Banking (2024-2032) ($MN)
• Table 144 Middle East & Africa Mobile Wallets and Contactless Payments Market Outlook, By Other End Users (2024-2032) ($MN)

According to Stratistics MRC, the Global Mobile Wallets and Contactless Payments Market is accounted for $67.04 billion in 2025 and is expected to reach $234.69 billion by 2032 growing at a CAGR of 19.6% during the forecast period. Mobile wallets and contactless payments refer to digital payment technologies that enable users to make secure transactions using smartphones, smartwatches, or contactless cards. A mobile wallet stores payment information digitally, allowing users to pay by scanning QR codes or tapping their device near a point-of-sale terminal using technologies like NFC (Near Field Communication). Contactless payments, similarly, use RFID or NFC to process payments without physical contact. These methods enhance transaction speed, convenience, and security by reducing the need for cash or physical cards. Widely adopted in retail, transit, and online services, they support seamless and hygienic financial interactions.

Market Dynamics:

Driver:

Rising Smartphone Penetration

The increasing penetration of smartphones globally is a primary driver for the mobile wallets and contactless payments market. As consumers gain access to affordable smartphones equipped with NFC and mobile internet, digital payment adoption has surged. Emerging markets, in particular, are witnessing exponential smartphone uptake, enabling financial inclusion for unbanked populations. This widespread device availability lays the foundation for mobile-based financial transactions and supports broader digitization trends across retail, utilities, public transportation, and peer-to-peer transfers.

Restraint:

Data Privacy and Security Concerns

Data privacy and security concerns pose a significant barrier to the growth of mobile wallets and contactless payments. Fears of cyberattacks, identity theft, and unauthorized access to financial data make users hesitant to adopt these technologies. High-profile breaches and lack of trust in digital infrastructure deter consumers and businesses alike, especially in regions with weak cybersecurity laws, ultimately slowing market penetration and hindering widespread adoption of digital payment solutions.

Opportunity:

Growth of E-commerce and Digital Ecosystems

The rapid growth of e-commerce platforms and digital ecosystems presents a significant opportunity for mobile wallets and contactless payments. Online retailers, food delivery apps, streaming services, and super apps increasingly integrate wallet features for seamless, one-click transactions. This convenience, coupled with attractive cashback and loyalty programs, enhances user retention. Moreover, partnerships between fintech firms and merchants, and the evolution of embedded finance, continue to drive wallet integration across the digital value chain, fostering a cashless consumer economy.

Threat:

Interoperability Issues

Interoperability issues pose a negative and hindering impact on the mobile wallets and contactless payments market by creating a fragmented user experience. Incompatibility between different platforms, banks, and payment systems limits seamless transactions across various merchants and regions. This discourages consumers and businesses from fully adopting digital payment methods, reduces user confidence, and hinders market growth, especially in regions where standardized infrastructure and cross-platform integration are lacking.

Covid-19 Impact

The COVID-19 pandemic significantly accelerated the adoption of mobile wallets and contactless payments as consumers and businesses prioritized hygiene and safety. Fear of virus transmission through physical currency and surfaces led to a shift toward digital transactions. Retailers and service providers rapidly adopted contactless solutions to meet changing consumer preferences, while government guidelines encouraging minimal contact further supported the surge in usage, driving long-term digital payment transformation.

The bluetooth segment is expected to be the largest during the forecast period

The bluetooth segment is expected to account for the largest market share during the forecast period, due to its secure, proximity-based communication features. Bluetooth technology enables encrypted device-to-terminal connections, commonly used in wearable payment devices and smartwatches. Its low power consumption, ease of integration with existing hardware, and support for device pairing make it a popular choice in mobile wallet infrastructures. As wearables and IoT payments proliferate, Bluetooth's reliability and accessibility strengthen its leadership in the contactless payment technology landscape.

The QR code segment is expected to have the highest CAGR during the forecast period

Over the forecast period, the QR code segment is predicted to witness the highest growth rate, due to its simplicity, low infrastructure cost, and massive adoption across emerging markets. QR-based payment systems require no physical POS terminals and can operate over basic mobile internet. Popularized by apps like Alipay, Paytm, and BharatPe, QR codes facilitate small merchant onboarding and digital payment acceptance at scale. Pandemic-driven behavioral shifts and government-led initiatives like India's UPI boost QR adoption, fueling rapid expansion during the forecast period.

Region with largest share:

During the forecast period, the Asia Pacific region is expected to hold the largest market share owing to early adoption of digital wallets, widespread use of QR codes, and robust government support for cashless economies. China, India, and Southeast Asian nations have cultivated a dynamic fintech environment, fostering mobile-first commerce ecosystems. The presence of key players such as Alipay, WeChat Pay, and Paytm accelerates regional momentum. Favorable demographics, smartphone penetration, and a rising middle class further position APAC as the dominant force in market revenue.

Region with highest CAGR:

Over the forecast period, the North America region is anticipated to exhibit the highest CAGR, due to growing demand for frictionless payments, increased NFC-enabled device usage, and digital-first consumer preferences. Major players like Apple Pay, Google Pay, and Samsung Pay continuously innovate to improve user experience and expand acceptance across retail and online channels. Additionally, strong cybersecurity frameworks and financial infrastructure contribute to market readiness. As businesses prioritize digital transformation, North America is expected to witness sustained growth in contactless and mobile payment adoption.

Key players in the market

Some of the key players profiled in the Mobile Wallets and Contactless Payments Market include Apple Inc., Google LLC, Samsung Electronics Co., Ltd., PayPal Holdings, Inc., Mastercard Incorporated, Visa Inc., Amazon.com, Inc., Alipay, Tencent Holdings Ltd., Square, Inc., American Express Company, Huawei Technologies Co., Ltd., Xiaomi Corporation, Rakuten Group, Inc., Barclays PLC, Stripe, Inc., Worldline SA and Adyen N.V.

Key Developments:

In July 2025, Samsung Electronics has acquired Xealth, a leading digital health platform, in a strategic move aimed at integrating wellness and medical care more effectively. This acquisition underscores Samsung's commitment to expanding its presence in digital healthcare by offering personalized, data-driven care experiences.

In June 2025, Apple is reportedly deepened its partnership with OpenAI-a move highlighted during its 2025 Worldwide Developers Conference. Apple introduced live translation in Messages, Phone, and FaceTime, along with iOS 26's new visual intelligence tools, which let users analyze on-screen images and text and tap into ChatGPT for insights.

In May 2025, Google Cloud has teamed up with Philips Personal Health Business to transform how Philips handles its global image library and content marketing systems through the power of artificial intelligence.

Types Covered:

• Proximity Payment
• Remote Payment

Payment Modes Covered:

• Mobile Wallets
• Contactless Cards
• Wearables

Technologies Covered:

• Near Field Communication (NFC)
• QR Code
• Magnetic Secure Transmission (MST)
• Bluetooth
• RFID

End Users Covered:

• Retail
• Transportation
• Healthcare
• Hospitality
• Utilities
• Government
• Entertainment & Media
• Banking
• Other End Users

Regions Covered:

• North America
  • US
  • Canada
  • Mexico
• Europe
  • Germany
  • UK
  • Italy
  • France
  • Spain
  • Rest of Europe
• Asia Pacific
  • Japan
  • China
  • India
  • Australia
  • New Zealand
  • South Korea
  • Rest of Asia Pacific
• South America
  • Argentina
  • Brazil
  • Chile
  • Rest of South America
• Middle East & Africa
  • Saudi Arabia
  • UAE
  • Qatar
  • South Africa
  • Rest of Middle East & Africa

What our report offers:

• Market share assessments for the regional and country-level segments
• Strategic recommendations for the new entrants
• Covers Market data for the years 2022, 2023, 2024, 2026, and 2030
• Market Trends (Drivers, Constraints, Opportunities, Threats, Challenges, Investment Opportunities, and recommendations)
• Strategic recommendations in key business segments based on the market estimations
• Competitive landscaping mapping the key common trends
• Company profiling with detailed strategies, financials, and recent developments
• Supply chain trends mapping the latest technological advancements

Free Customization Offerings:

All the customers of this report will be entitled to receive one of the following free customization options:

• Company Profiling
  • Comprehensive profiling of additional market players (up to 3)
  • SWOT Analysis of key players (up to 3)
• Regional Segmentation
  • Market estimations, Forecasts and CAGR of any prominent country as per the client's interest (Note: Depends on feasibility check)
• Competitive Benchmarking
  • Benchmarking of key players based on product portfolio, geographical presence, and strategic alliances

Table of Contents

1 Executive Summary

2 Preface

• 2.1 Abstract
• 2.2 Stake Holders
• 2.3 Research Scope
• 2.4 Research Methodology
  • 2.4.1 Data Mining
  • 2.4.2 Data Analysis
  • 2.4.3 Data Validation
  • 2.4.4 Research Approach
• 2.5 Research Sources
  • 2.5.1 Primary Research Sources
  • 2.5.2 Secondary Research Sources
  • 2.5.3 Assumptions

3 Market Trend Analysis

• 3.1 Introduction
• 3.2 Drivers
• 3.3 Restraints
• 3.4 Opportunities
• 3.5 Threats
• 3.6 Technology Analysis
• 3.7 End User Analysis
• 3.8 Emerging Markets
• 3.9 Impact of Covid-19

4 Porters Five Force Analysis

• 4.1 Bargaining power of suppliers
• 4.2 Bargaining power of buyers
• 4.3 Threat of substitutes
• 4.4 Threat of new entrants
• 4.5 Competitive rivalry

5 Global Mobile Wallets and Contactless Payments Market, By Type

• 5.1 Introduction
• 5.2 Proximity Payment
• 5.3 Remote Payment

6 Global Mobile Wallets and Contactless Payments Market, By Payment Mode

• 6.1 Introduction
• 6.2 Mobile Wallets
• 6.3 Contactless Cards
• 6.4 Wearables

7 Global Mobile Wallets and Contactless Payments Market, By Technology

• 7.1 Introduction
• 7.2 Near Field Communication (NFC)
• 7.3 QR Code
• 7.4 Magnetic Secure Transmission (MST)
• 7.5 Bluetooth
• 7.6 RFID

8 Global Mobile Wallets and Contactless Payments Market, By End User

• 8.1 Introduction
• 8.2 Retail
• 8.3 Transportation
• 8.4 Healthcare
• 8.5 Hospitality
• 8.6 Utilities
• 8.7 Government
• 8.8 Entertainment & Media
• 8.9 Banking
• 8.10 Other End Users

9 Global Mobile Wallets and Contactless Payments Market, By Geography

• 9.1 Introduction
• 9.2 North America
  • 9.2.1 US
  • 9.2.2 Canada
  • 9.2.3 Mexico
• 9.3 Europe
  • 9.3.1 Germany
  • 9.3.2 UK
  • 9.3.3 Italy
  • 9.3.4 France
  • 9.3.5 Spain
  • 9.3.6 Rest of Europe
• 9.4 Asia Pacific
  • 9.4.1 Japan
  • 9.4.2 China
  • 9.4.3 India
  • 9.4.4 Australia
  • 9.4.5 New Zealand
  • 9.4.6 South Korea
  • 9.4.7 Rest of Asia Pacific
• 9.5 South America
  • 9.5.1 Argentina
  • 9.5.2 Brazil
  • 9.5.3 Chile
  • 9.5.4 Rest of South America
• 9.6 Middle East & Africa
  • 9.6.1 Saudi Arabia
  • 9.6.2 UAE
  • 9.6.3 Qatar
  • 9.6.4 South Africa
  • 9.6.5 Rest of Middle East & Africa

10 Key Developments

• 10.1 Agreements, Partnerships, Collaborations and Joint Ventures
• 10.2 Acquisitions & Mergers
• 10.3 New Product Launch
• 10.4 Expansions
• 10.5 Other Key Strategies

11 Company Profiling

• 11.1 Apple Inc.
• 11.2 Google LLC
• 11.3 Samsung Electronics Co., Ltd.
• 11.4 PayPal Holdings, Inc.
• 11.5 Mastercard Incorporated
• 11.6 Visa Inc.
• 11.7 Amazon.com, Inc.
• 11.8 Alipay
• 11.9 Tencent Holdings Ltd.
• 11.10 Square, Inc.
• 11.11 American Express Company
• 11.12 Huawei Technologies Co., Ltd.
• 11.13 Xiaomi Corporation
• 11.14 Rakuten Group, Inc.
• 11.15 Barclays PLC
• 11.16 Stripe, Inc.
• 11.17 Worldline SA
• 11.18 Adyen N.V.