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市場調査レポート
商品コード
1406429
QRコード決済市場- 世界の産業規模、シェア、動向、機会、予測、提供別、ソリューション別、決済タイプ別、エンドユーザー別、地域別、競合別、2018年~2028年QR Code Payment Market - Global Industry Size, Share, Trends, Opportunity, and Forecast, Segmented By Offerings, By Solution, By Payment Type, By End-user, By Region, By Competition, 2018-2028 |
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カスタマイズ可能
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QRコード決済市場- 世界の産業規模、シェア、動向、機会、予測、提供別、ソリューション別、決済タイプ別、エンドユーザー別、地域別、競合別、2018年~2028年 |
出版日: 2023年11月07日
発行: TechSci Research
ページ情報: 英文 180 Pages
納期: 2~3営業日
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QRコード決済の世界市場は、2022年に102億8,000万米ドルと評価され、2028年までのCAGRは17.03%で、予測期間中に力強い成長が予測されています。
QRコード決済の世界市場は、デジタル化と相互接続が進む世界において、便利で安全な決済ソリューションへの需要が高まっていることを背景に、著しい成長を遂げています。QRコード決済技術は、シームレスで非接触の取引を実現する能力で高い評価を得ており、消費者と企業の金融取引処理方法に革命をもたらしています。本分析では、さまざまな業界におけるQRコード決済技術の変革的影響力について掘り下げ、デジタル決済が最も重要な時代において、効率的で信頼性を高める決済ソリューションを提供する上で極めて重要な役割を担っていることを明らかにします。間違いなく、QRコードによる決済方法は金融取引と決済処理の領域でゲームチェンジャーとして登場しました。消費者が便利で非接触型の決済手段を求める環境において、効率的で安全なソリューションの必要性はかつてないほど高まっています。QRコード決済は、スマートフォンやその他のデジタル機器を使って支払いや送金、取引を行うことができる、ユーザーフレンドリーで汎用性の高いアプローチです。
QRコード決済が広く普及する主なきっかけとなったのは、シームレスで安全な金融取引を実現する必要性です。小売業、接客業、運輸業、eコマースなどの各業界では、消費者や企業の進化するニーズを満たすには、従来の決済方法ではもはや不十分であることを認識するようになっています。QRコード決済は、消費者が簡単なスキャン操作で迅速かつ安全な決済を可能にし、現金やカードが不要になります。さらに、こうした先進的なソリューションは、不正行為のリスクや高額な決済インフラの必要性など、従来の決済方法に伴う課題にも効果的に対応しています。今日のデジタル環境では、金融取引におけるセキュリティと信頼性の重要性はいくら強調してもしすぎることはありません。QRコード決済ソリューションは、セキュリティと暗号化を最優先し、潜在的な侵害や不正アクセスから金融情報を保護します。このような信頼構築策への揺るぎない取り組みは、利用者の信頼を高め、金融サービスプロバイダーの評判を高める。
結論として、世界のQRコード決済市場は、デジタルの世界で便利で安全な決済ソリューションを提供する必要性に後押しされ、大きな変革の最前線に立っています。QRコード決済技術は、消費者や企業が金融取引を処理する方法を再構築し、比類のない利便性、安全性、効率性を提供しています。デジタル決済の状況が進化を続ける中、よりシームレスで信頼性の高い決済体験を形成する上でQRコード決済が果たす極めて重要な役割は否定できず、イノベーションを促進し、デジタル金融の世界を高めています。
市場概要 | |
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予測期間 | 2024-2028 |
市場規模2022年 | 102億8,000万米ドル |
2028年の市場規模 | 266億5,000万米ドル |
CAGR 2023-2028 | 17.03% |
急成長セグメント | ソリューション |
最大市場 | アジア太平洋 |
Global QR Code Payment Market was valued at USD 10.28 Billion in 2022 and is anticipated to project robust growth in the forecast period with a CAGR of 17.03% through 2028. The Global QR Code Payment Market is on a remarkable growth trajectory, driven by the escalating demand for convenient and secure payment solutions in our increasingly digital and interconnected world. QR code payment technology has garnered recognition for its ability to provide seamless and contactless transactions, revolutionizing how consumers and businesses handle financial transactions. This analysis delves into the transformative influence of QR code payment technologies across a spectrum of industries, underlining their pivotal role in delivering efficient and trust-enhancing payment solutions in an era where digital payments are paramount. Without a doubt, QR code payment methods have emerged as game-changers in the realm of financial transactions and payment processing. In an environment where consumers seek convenient and contactless payment options, the necessity for efficient and secure solutions has never been more pronounced. QR code payments offer a user-friendly and versatile approach, allowing individuals to make payments, transfer funds, and complete transactions using their smartphones and other digital devices.
A primary catalyst for the widespread adoption of QR code payments is the imperative of delivering seamless and secure financial transactions. Industries spanning retail, hospitality, transportation, and e-commerce have come to recognize that traditional payment methods are no longer sufficient to meet the evolving needs of consumers and businesses. QR code payments empower consumers to make quick and secure payments with a simple scan, eliminating the need for physical cash or cards. Additionally, these advanced solutions effectively address the challenges associated with traditional payment methods, such as the risk of fraud and the need for costly payment infrastructure. The significance of security and reliability in financial transactions cannot be overstated in today's digital landscape. QR code payment solutions prioritize security and encryption, safeguarding financial information from potential breaches or unauthorized access. This unwavering commitment to trust-building measures enhances user confidence and bolsters the reputation of financial service providers.
In conclusion, the Global QR Code Payment Market stands at the forefront of a profound transformation, propelled by the imperative of delivering convenient and secure payment solutions in our digital world. QR code payment technologies are reshaping how consumers and businesses handle financial transactions, offering unmatched convenience, security, and efficiency. As the digital payments landscape continues to evolve, the pivotal role of QR code payments in shaping a more seamless and trustworthy payment experience is undeniable, fostering innovation and elevating the world of digital finance.
Market Overview | |
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Forecast Period | 2024-2028 |
Market Size 2022 | USD 10.28 Billion |
Market Size 2028 | USD 26.65 Billion |
CAGR 2023-2028 | 17.03% |
Fastest Growing Segment | Solution |
Largest Market | Asia-Pacific |
Convenience and Contactless Transactions
One of the primary driving factors in the Global QR Code Payment Market is the unparalleled convenience and the preference for contactless transactions among consumers and businesses. QR code payments offer a simple, fast, and secure way to make financial transactions, eliminating the need for physical cash or cards. This level of convenience has become increasingly attractive, especially in a world where digital interactions are becoming the norm.QR code payments enable individuals to make payments, transfer funds, and complete transactions using their smartphones or other digital devices with built-in cameras. This means that consumers can carry out financial transactions without the need to carry physical wallets or make physical contact with payment terminals. The ease of scanning a QR code at a restaurant, retail store, or even for peer-to-peer payments has led to a surge in its adoption.
In addition to the convenience factor, QR code payments are particularly beneficial in situations where hygiene and safety are paramount, such as during the COVID-19 pandemic. Contactless payments help reduce the risk of virus transmission, making them a preferred choice for both consumers and businesses.Furthermore, QR code payments are versatile and can be used in various contexts, from small-scale local businesses to large e-commerce platforms, making them accessible to a wide range of users. This convenience and versatility are key drivers in the growing popularity of QR code payments.
Cost-Effective Payment Solutions
Another significant driver in the Global QR Code Payment Market is the cost-effectiveness of QR code payment solutions for businesses of all sizes. Traditional payment methods often involve high transaction fees, equipment costs, and maintenance expenses. In contrast, QR code payments offer a more affordable and accessible alternative.
For businesses, implementing QR code payment systems typically requires minimal investment. Merchants can generate QR codes and display them at checkout counters or on their websites without the need for expensive point-of-sale (POS) hardware. This affordability makes QR code payments particularly appealing to small and medium-sized enterprises (SMEs) that may have limited resources to invest in payment infrastructure. Additionally, QR code payment providers often charge lower transaction fees compared to credit card companies, making it a cost-effective solution for businesses looking to reduce payment processing expenses. This cost efficiency is a compelling incentive for merchants to adopt QR code payment methods.
From a consumer perspective, the cost-effectiveness of QR code payments is also evident. Many QR code payment apps and services do not charge users for transactions, making it an attractive option for those seeking a way to make payments without incurring additional fees.
Enhanced Security and Trust
Enhanced security features and the establishment of trust are fundamental driving factors in the adoption of QR code payments. As cyber threats and fraud continue to evolve, consumers and businesses are increasingly concerned about the safety of their financial transactions. QR code payment solutions address these concerns by incorporating robust security measures.
QR code payment systems prioritize encryption and data protection. When a user scans a QR code to make a payment, the transaction data is encrypted and securely transmitted to the payment provider. This encryption helps safeguard sensitive financial information, reducing the risk of data breaches or unauthorized access.Moreover, QR code payment apps often require user authentication, such as PIN codes or biometric verification, to authorize transactions. These additional layers of security enhance the overall trustworthiness of the payment method.As consumers and businesses become more confident in the security of QR code payments, they are more likely to adopt and use them for various financial transactions. The perception of safety and trustworthiness associated with QR code payments is a significant driver in the market's growth.
In summary, the Global QR Code Payment Market is driven by the unmatched convenience and preference for contactless transactions, the cost-effectiveness of QR code payment solutions for businesses, and the enhanced security measures that establish trust among consumers and merchants. These factors contribute to the rapid adoption and expansion of QR code payments in the global financial landscape.
Key Market Challenges
Standardization and Fragmentation
One of the key challenges in the Global QR Code Payment Market is the lack of standardization and the presence of fragmentation in the QR code ecosystem. QR code payments are highly versatile, and different regions and businesses have adopted their own variations of QR code standards and technologies. This lack of uniformity creates several challenges:
Different QR code formats may not be compatible with all payment apps or systems, causing inconvenience for users and limiting the widespread acceptance of QR code payments.
The absence of standardized practices makes it difficult for QR code payment providers to interact seamlessly across different platforms, hindering cross-border transactions and international expansion.
Merchants and consumers need to be educated about the various QR code payment methods and their specific requirements, which can be confusing and time-consuming.
To address this challenge, efforts are underway to establish global QR code standards and promote interoperability. Industry organizations and regulatory bodies are working on guidelines to ensure QR code payments become more standardized and user-friendly.
Security and Fraud
Security and fraud concerns represent another significant challenge in the Global QR Code Payment Market. While QR code payments offer several security features, they are not immune to risks. Challenges in this regard include:
Users may inadvertently scan QR codes that are malicious or lead to fraudulent websites, potentially compromising their financial information or personal data.
Cybercriminals may use fake QR codes or QR code links to trick users into revealing sensitive information or transferring funds to fraudulent accounts.
QR code payment providers and merchants must ensure the security of user data, which is a constant challenge in an era of sophisticated cyberattacks.
To mitigate these challenges, QR code payment providers must implement robust security measures, including encryption, authentication, and secure connections. Additionally, user education and awareness campaigns are essential to help individuals identify and avoid fraudulent QR codes.
Limited Connectivity and Infrastructure
In many regions, limited internet connectivity and inadequate digital infrastructure pose challenges to the widespread adoption of QR code payments. These challenges include:In regions with limited internet access, QR code payments may not be a viable option, as they rely on real-time data connections for transactions.
Some users may have older or less advanced smartphones that do not support QR code scanning, limiting the potential user base.
Small businesses, particularly in remote areas, may lack the necessary infrastructure or knowledge to implement QR code payment systems, creating disparities in accessibility.Addressing these challenges requires investment in digital infrastructure, expanded internet access, and the development of solutions that can accommodate various levels of technology adoption. Government and industry initiatives are crucial to ensuring that QR code payments are accessible to all, regardless of location or device capabilities.
In conclusion, the Global QR Code Payment Market faces challenges related to standardization and fragmentation, security and fraud, and limited connectivity and infrastructure. Addressing these challenges requires collaboration among industry stakeholders, regulatory bodies, and technology providers to create a more secure, standardized, and inclusive QR code payment ecosystem. Overcoming these obstacles will be essential for the continued growth and success of QR code payments on a global scale.
Key Market Trends
Contactless Payments Surge Amidst Pandemic and Beyond
The first prominent trend in the Global QR Code Payment Market is the significant surge in contactless payments, driven in large part by the COVID-19 pandemic. As hygiene and safety became paramount concerns, consumers increasingly turned to contactless payment methods, including QR code payments, to minimize physical contact with payment terminals and cash. The ease of scanning a QR code using a smartphone and the convenience of making payments without physical cash or cards contributed to the popularity of this trend.
Beyond the pandemic, the trend towards contactless payments is expected to continue. Consumers have grown accustomed to the speed and simplicity of QR code payments, and businesses have recognized the operational advantages of implementing contactless payment solutions. Moreover, the adoption of QR code payments is not limited to retail transactions but extends to various industries, including transportation, hospitality, and healthcare. As the world continues to digitize and prioritize convenience, QR code payments are well-positioned to play a central role in the global payments landscape.
QR Code Payment Integration into E-Commerce and Mobile Apps
The second notable trend in the Global QR Code Payment Market is the integration of QR code payment options into e-commerce platforms and mobile applications. This trend is driven by the growing preference for online shopping and the need for seamless payment experiences within digital environments. E-commerce businesses are increasingly incorporating QR code payments as a checkout option, allowing customers to complete purchases quickly and securely.
In addition to e-commerce, mobile apps across various sectors are integrating QR code payment functionality. From food delivery and ride-sharing apps to banking and peer-to-peer payment apps, QR codes are becoming a ubiquitous feature. This trend enhances the user experience by reducing friction in the payment process and aligns with the broader trend of creating all-in-one mobile apps that offer a wide range of services.
The integration of QR code payments into digital platforms not only streamlines the payment process but also offers opportunities for businesses to gather valuable customer data and insights. This data-driven approach enables businesses to tailor their offerings, improve user experiences, and drive customer loyalty.
Cross-Border and International Expansion
The third significant trend in the Global QR Code Payment Market is the increasing focus on cross-border and international expansion. QR code payments, once primarily associated with domestic transactions, are now gaining traction on a global scale. This trend is driven by several factors:
With the growth of e-commerce and international online shopping, businesses are looking to offer convenient and familiar payment options to customers across borders. QR code payments are well-suited for cross-border transactions, providing a consistent and user-friendly payment experience.
The travel industry, including airlines, hotels, and tourism destinations, is embracing QR code payments to cater to international travelers. QR codes are used for ticketing, reservations, and payments in diverse languages and currencies, enhancing the experience for tourists.
Industry stakeholders, payment providers, and regulators are working to establish QR code payment standards and interoperability agreements that enable users to make cross-border payments seamlessly. These initiatives are essential for the widespread adoption of QR code payments beyond national borders.
This trend reflects the global nature of modern business and the need for payment solutions that transcend geographical boundaries. As QR code payment infrastructure becomes more interconnected, consumers and businesses alike can expect greater convenience and flexibility when engaging in cross-border transactions, further solidifying the position of QR code payments as a global payment solution.
Segmental Insights
Offerings Insights
The dominating segment in the Global QR Code Payment Market by offerings is Solution.
The solution segment includes hardware and software components, such as QR code scanners, POS systems, and payment processing software. These solutions are offered to businesses of all sizes, from small merchants to large enterprises.
The solution segment is growing rapidly, driven by a number of factors, including:
The increasing adoption of QR code payments by businesses and consumers
The need for secure and efficient payment solutions
The growing demand for contactless payment options
The government initiatives to promote digital payments
The top 10 market players for the global QR code payment market, listed above, all offer QR code payment solutions.
The services segment includes professional services, such as consulting, implementation, and maintenance services. These services are typically offered to businesses that need help with deploying and managing their QR code payment solutions.
The services segment is also growing, but at a slower rate than the solution segment. This is because many businesses are able to deploy and manage their QR code payment solutions on their own, without the need for professional services.
The solution segment is expected to continue to dominate the global QR code payment market over the forecast period. However, the services segment is also expected to grow, driven by the growing demand for QR code payment solutions from businesses of all sizes.
Here are some examples of QR code payment solutions that are available today:
QR code scanners: QR code scanners are used to scan QR codes and initiate payments. They are available in a variety of forms, including handheld scanners, mobile scanners, and built-in scanners in smartphones and tablets.
POS systems: POS systems are used to process payments, including QR code payments. They typically include a software component and a hardware component, such as a touchscreen terminal or a card reader.
Payment processing software: Payment processing software is used to process payments from a variety of sources, including QR codes. It typically includes features such as fraud detection, risk management, and reporting.
QR code payment solutions are becoming increasingly popular as businesses and consumers look for more secure, efficient, and convenient ways to pay. As QR code technology continues to develop, we can expect to see QR code payment solutions become even more sophisticated and widely adopted.
Regional Insights
Asia Pacific is the dominating region in the Global QR Code Payment Market. The factors driving the growth of the QR code payment market in Asia Pacific include:
The high smartphone penetration rate in the region
The growing middle class
The increasing urbanization
The government initiatives to promote digital payments
The presence of a large number of unbanked and underbanked population
Some of the key markets in Asia Pacific for QR code payments include China, India, Indonesia, and Vietnam.
China is the largest market for QR code payments in the world. The Chinese government has been actively promoting the use of QR code payments in recent years. This has led to a rapid increase in the adoption of QR code payments by both businesses and consumers.
India is another major market for QR code payments in Asia Pacific. The Indian government has also been promoting the use of QR code payments in recent years. This has led to a significant increase in the adoption of QR code payments by businesses and consumers in India.
Indonesia and Vietnam are two other emerging markets for QR code payments in Asia Pacific. Both countries have high smartphone penetration rates and growing middle classes. This is driving the growth of the QR code payment market in these countries.
The QR code payment market in Asia Pacific is expected to continue to grow rapidly over the forecast period. This growth will be driven by the factors mentioned above, as well as the increasing adoption of QR code payments by new merchant segments, such as small merchants and street vendors.
Other regions, such as North America and Europe, are also experiencing growth in the QR code payment market. However, the growth rate in these regions is slower than in Asia Pacific. This is because the QR code payment market in Asia Pacific is still in its early stages of development and there is a lot of room for growth.
The global QR code payment market is expected to grow at a CAGR of over 15% over the forecast period. The growth of the market will be driven by the increasing adoption of QR code payments by businesses and consumers around the world.
Ant Group Co., Ltd.
Tencent Holdings Limited
PayPal Holdings, Inc.
Visa Inc.
Mastercard Incorporated
Square, Inc.
Apple Inc.
Oracle Corporation
Samsung Electronics Co., Ltd.
Google LLC
In this report, the Global QR Code Payment Market has been segmented into the following categories, in addition to the industry trends which have also been detailed below: