市場調査レポート

世界の非接触型カード決済市場:試験的段階

Contactless Cards - Tentative Steps

発行 Timetric 商品コード 239960
出版日 ページ情報 英文 70 Pages
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1USD=106.02円で換算しております。
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世界の非接触型カード決済市場:試験的段階 Contactless Cards - Tentative Steps
出版日: 2012年03月30日 ページ情報: 英文 70 Pages
概要

当レポートでは、世界各地域での非接触型決済市場の最新動向と発展見通しについて分析し、様々な技術・スキームの概要や、各国・各企業での試行・普及状況、更なる普及に際して克服すべき課題、消費者側のニーズ、今後2年間の市場見通しなどを調査・考察して、その結果を概略以下の構成でお届けします。

第1章 非接触型カード決済の概説

  • 非接触型決済の定義
  • 現金の減少傾向
  • 非接触型決済の安全性
  • 非接触型決済に関連する技術
    • 順調に推移しているイノベーション:決済機能付き端末に取って代わる新手段の提供
  • モバイル・ウォレットは未来の非接触型決済となるのか?
  • カード・電子決済の主な動き
  • プリペイド市場の市場規模
  • 非接触型決済のための重要な機能
  • サマリー

第2章 世界の非接触型決済スキーム

  • スキームの背後にある技術
  • VisaおよびMastercardの沿革
  • PayPassおよびPayWaveの地域限定での試行
  • 全国型小売店での展開
  • 主要イベントの後援による消費者認知の獲得
    • Visaの2012年に関する予測
    • VPay
    • PayPassの試行の進展
    • 消費者教育が非接触型決済の導入の重要な要素である
  • サマリー

第3章 米国における非接触型カード・決済

  • デビットカードでの決済額の増加
  • 米国でのマイクロチップとPINの融合
    • EMV規格との融合に関する、幾つかの小売業者からの圧力
    • EMV規格に関する消費者の利益もまた明確である
    • コストと複雑性が、米港でのEMV規格導入の大きな障害である
  • ダービン修正条項
    • 各銀行に対する影響
  • モバイル・ペイメント:試行と細分化
    • VisaとDeviceFidelity
    • スマートフォン所有率の上昇
    • Google Androidの将来的な影響力
    • 米国の非接触型モバイル決済の更なる発展
  • サマリー

第4章 欧州における非接触型カード・決済

  • 欧州独自の発展
  • 欧州での非接触型決済の成長予測(2011年)
  • 英国での発達
  • ロンドンのOyster Cardでの移動
  • Barclaycard:非接触型カードの発行促進
    • 消費者にとって「多すぎ・早すぎ」か?
    • テレビなどの広告にも関わらず、消費者の認知度は低いままである
    • Barclaycard OnePulse
    • Barclaycard非接触型モバイル決済
    • 非接触型決済の将来性
  • SPAR:非接触型決済に関する勝算
    • 非接触型決済の地域的な受け入れ
    • 非接触型決済導入の課題
    • 安全上の懸念
    • SPAR店舗への利点
  • 欧州内部での非接触型モバイル決済
  • 非接触型モバイル決済:スペインでの事例
  • 「いつでも、どこでも」:英国での非接触型モバイル決済の最新の開発動向
  • Garanti Bank of Turkey:非接触型技術の積極的な取り込み
    • 試行から商業的利用へ
    • 安全上の懸念は、トルコの非接触型モバイル決済の利用者には問題ではなかった
    • 非接触決済の成功要因
    • トルコ各地の商店での受け入れ
    • トルコでのモバイル決済の将来性
  • 決済手段:世界の消費者は何を求め、必要とし、期待しているのか?
  • Visa Europe:第2回「Contactless Barometer」研究(四半期間データ)
  • サマリー

第5章 アジア太平洋地域における非接触型カード・決済

  • アジア太平洋地域の決済市場では、今後さらにキャッシュレス化が進む
  • Octopus:交通機関以外への拡張
    • Octopusの開発
    • 限られた国際的展開
    • Octopusの背後にある技術
    • Octopusの受容
    • Octopusカードの種類と外形
    • 今後の問題と課題
  • アジア太平洋地域におけるその他の発展
    • 韓国:非接触型モバイル決済の急速な成長の可能性
    • 韓国のプリペイドカードの種類数の急速な増加
  • 日本とマレーシア
  • シンガポール・香港・台湾:カードによる成長促進
  • アドオン:非接触型モバイル決済の導入を加速させる暫定的手段となるか?
  • サマリー

第6章 非接触型カード・決済の将来

  • 非接触型決済は現金の代替物となる
  • 大規模小売業者は非接触型決済の導入を急いでいない
  • 迅速なレジ決済は、いまだに大規模小売店の関心事項である
  • 大規模小売店以外では、非接触型決済の市場シェアはごく僅かである
  • 店舗側は非接触決済の導入コスト負担に消極的である
    • サポートは決済システム企業やカード発行企業で見られる
    • 他地域では政府の支援が重要であった
  • 非接触型モバイル決済には将来性がある
    • 複雑性が、非接触型モバイル決済の発展を制約している
    • 暫定的ソリューションとしてのアドオン
    • 新規参入企業が、従来型の決済モデルに挑戦を挑んでいる
  • サマリー

図表一覧

目次
Product Code: VR0801IR

Synopsis

Contactless payments are a hot financial topic, currently proclaimed as the technology that will transform how global consumers pay for goods and services. We investigate the extent to which different markets around the world have developed to date, and provide analysis and insight into how they will grow over the next two years. With this VRL report you will be able to:

  • Assess the contactless card market
  • Find out how the market will develop over the next two years
  • Gauge the level of customer demand for contactless cards
  • Learn about leading regional and global contactless schemes

Summary

This report presents the findings of research into the growth of this payment technology in key regions around the world. The picture that emerges is one of fragmentation and complex commercial models, with a marked lag between contactless card issuance and merchant acceptance, even in those markets considered to be well developed. In the US for example, there are around 100m contactless cards in issue, yet only a relatively small percentage of merchant outlets are reported to accept this form of payment, despite it being available for nearly ten years. Migration to chip and PIN is a more emotive topic in the US, with retailing giant Walmart making its position clear in the media as being in support of this more secure payment method, ahead of the introduction of contactless payments. This makes sense when the level of plastic card fraud in the US is taken into consideration. The push for migration is also in line with the strategic aims of large retailers to gain a greater share of consumers' wallets by broadening the range of products and services offered in stores. Merchant acceptance of this payment methodology, alongside the issuance of cards and other payment devices, is crucial to the success of contactless payments. The majority of merchants are unlikely to be willing to fund the migration to contactless payments unless a clear business case and short payback period can be identified to them. In a number of countries, for example, Turkey and the UK, the card issuers and payment processing companies are footing the bill for the introduction of the required technology, and this will need to continue in order to increase merchant acceptance of contactless payments until the benefits of migration have been conveyed.

Scope

  • The demand and utilisation of contactless cards worldwide is uneven. This report covers both the fast moving and high profile utilisation in Asia, and the more measured, supplier led markets in Europe and the US
  • The relationship between cards and cash is discussed in detail in this report
  • The report presents an analysis of the different reasons for contactless payment usage; security, speed, convenience and flexibility
  • This report highlights case studies from the US, UK and Asia, and the results of one to one interviews
  • This report features the latest technology in the sector, looking at it from both the bank, merchant and consumer perspectives
  • The future of contactless payments is discussed - will it dominate, when, and what will be the interim solutions?

Reasons To Buy

  • Contrast the contactless card market worldwide - markets in Asia, Europe and the US are featured
  • Look at the 'best in class' features; find out what makes Oyster in London and Octopus in Hong Kong successful
  • Find out what is driving the market; consumer demand or the introduction of new technology
  • Grasp the near term technology and products being unleashed onto the market in the next two years

Table of Contents

1. Introduction to contactless payments

  • 1.1. Definition of contactless payments
  • 1.2. The decline of cash
  • 1.3. Contactless payment security
  • 1.4. The technology involved in contactless payments
    • 1.4.1. On Track Innovations - providing an alternative to payment-enabled handsets

1.4.1.1. Contactless sticker

1.4.1.2. OTI's current business relationships

1.4.1.3. The importance of contactless infrastructure is key

1.4.1.4. A lack of commitment from large retailers

1.4.1.5. Contactless payments - such as closed loop, transport schemes

  • 1.5. Is the mobile wallet the future of contactless payments?
  • 1.6. Key Moves in Cards and Electronic Payments
  • 1.7. Market Sizing of Advance Payment Market
  • 1.8. Important features for contactless payments
  • 1.9. Summary

2. Worldwide contactless card schemes

  • 2.1. The technology behind the schemes
  • 2.2. Brief histories of Visa and MasterCard
    • 2.2.1. Visa
    • 2.2.2. MasterCard
  • 2.3. PayPass and PayWave location-based trials
  • 2.4. National retailer rollouts
  • 2.5. Sponsorship of major events will build consumer awareness
    • 2.5.1. Visa forecast for 2012
    • 2.5.2. VPay
    • 2.5.3. Progress of PayPass trials
    • 2.5.4. Consumer education is an important factor in contactless adoption
  • 2.6. Summary

3. Contactless cards and payments in the US

  • 3.1. Debit cards are driving payment growth
  • 3.2. Migration to chip and PIN in the US
    • 3.2.1. Pressure from some retailers for EMV migration
    • 3.2.2. The consumer benefits of EMV are also clear
    • 3.2.3. Cost and complexity are the big inhibitors of EMV adoption in the US
  • 3.3. The Durbin Amendment
    • 3.3.1. Impact of Durbin on banks
  • 3.4. Mobile payments - trials and fragmentation
    • 3.4.1. Visa and DeviceFidelity
    • 3.4.2. Smartphone ownership is increasing
    • 3.4.3. The potential impact of Google Android
    • 3.4.4. Further developments in US contactless mobile payments
  • 3.5. Summary

4. Contactless cards and payments in Europe

  • 4.1. Specific developments in Europe
  • 4.2. Forecasts for the growth of European contactless payments in 2011
  • 4.3. Developments in the UK
  • 4.4. Transport for London's Oyster card
  • 4.5. Barclaycard - driving issuance of contactless cards
    • 4.5.1. 'Too much too soon' for consumers?
    • 4.5.2. Awareness remains low amongst consumers, despite ATL advertising
    • 4.5.3. Barclaycard OnePulse
    • 4.5.4. Barclaycard contactless mobile payments
    • 4.5.5. The future of contactless payments
  • 4.6. SPAR - taking a calculated gamble on contactless payments
    • 4.6.1. Regional acceptance of contactless payments
    • 4.6.2. Challenges of contactless implementation
    • 4.6.3. Security concerns
    • 4.6.4. Benefits to SPAR stores
  • 4.7. Contactless mobile payments in Europe
  • 4.8. Contactless mobile payments - the Spanish experience
  • 4.9. Everything Everywhere - the latest contactless mobile development in the UK
  • 4.10. Garanti Bank of Turkey - enthusiastically embracing contactless technology
    • 4.10.1. From trial to commercial roll out
    • 4.10.2. Security concerns are not an issue for Turkish contactless mobile consumers
    • 4.10.3. The ingredients for success in contactless payments
    • 4.10.4. Merchant acceptance across Turkey
    • 4.10.5. The future of mobile payments in Turkey
  • 4.11. Payment Methods: What Do International Consumers Want, Need and Expect?
  • 4.12. Visa Europe second quarterly Contactless Barometer study
  • 4.13. Summary

5. Contactless cards and payments in Asia Pacific

  • 5.1. The future of the Asia Pacific payment market is more and more cashless
  • 5.2. Octopus - expansion beyond transport
    • 5.2.1. The development of Octopus
    • 5.2.2. Limited international expansion
    • 5.2.3. The technology behind Octopus
    • 5.2.4. Octopus acceptance
    • 5.2.5. Octopus card types and form factors
    • 5.2.6. Future issues and challenges facing the scheme
  • 5.3. Other developments in the Asia Pacific
    • 5.3.1. South Korea - strong contactless mobile growth is forecast
    • 5.3.2. The increasingly greater spectrum of Korean prepaid cards:
  • 5.4. Japan and Malaysia
  • 5.5. Singapore, Hong Kong and Taiwan - cards fuelling growth
  • 5.6. Add-ons - an interim solution to accelerate contactless mobile adoption?
  • 5.7. Summary

6. The future of contactless cards and payments

  • 6.1. Contactless payments are cash replacements
  • 6.2. Big retailers are in no rush to adopt contactless
  • 6.3. Speed through checkout is still a focus for larger retailers
  • 6.4. Without the large retailers, market share of contactless will be negligible
  • 6.5. Merchants are unlikely to bear the cost of contactless adoption
    • 6.5.1. Support has been shown by payment processors and card issuers
    • 6.5.2. Government support has been important in other regions
  • 6.6. Contactless mobile payments are the future
    • 6.6.1. Complexity is restricting the development of contactless mobile payments
    • 6.6.2. Add-ons as an interim solution
    • 6.6.3. New market entrants are challenging the traditional payment model
  • 6.7. Summary

List of Tables

  • Table 1: Impact of PayPass on transaction behaviour compared with cash
  • Table 2: Contactless card and smart device growth rates 2010 - 2011
  • Table 3: Visa interchange fees for selected UK payment methods
  • Table 4: Size of the cash displacement opportunity in the US by sector

List of Figures

  • Figure 1: UK payment trends
  • Figure 2: Lost and stolen fraud losses on UK cards 2000-2010
  • Figure 3: Card-not-present fraud losses on UK cards, 2000-2010
  • Figure 4: MasterCard PayPass points of communication
  • Figure 5: OTI's contactless technology solutions
  • Figure 6: Numbers of RFID enabled phones forecast to be sold in 2015 (m)
  • Figure 8: Advance Payments: Global Market Size
  • Figure 7: Universal contactless payment symbol
  • Figure 8: Estimated cost of EMV migration ($bn)
  • Figure 9: Worldwide penetration of smartphones
  • Figure 10: UK grocery retailing - store numbers and sector values
  • Figure 11: Growth in smartphone handset volumes in Europe 2009 - 2010
  • Figure 12: Volume of smartphone handsets by EU country (000s)
  • Figure 13: Shareholding in Octopus Cards Ltd.
  • Figure 14: Octopus contactless key-ring
  • Figure 15: Contactless mobile payment transaction and value growth rate, South Korea
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