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モバイル決済の世界市場：決済タイプ別、取引モード別、エンドユーザー別、購入タイプ別、用途別、地域別、範囲および予測

Global Mobile Payment Market By Payment Type, By Transaction Mode, By End-User, By Purchase Type, By Application, By Geographic Scope And Forecast

出版日
ページ情報
英文 202 Pages
納期
2～3営業日
価格
価格表記: USDを日本円(税抜)に換算
本日の銀行送金レート: 1USD=146.99円
モバイル決済の世界市場：決済タイプ別、取引モード別、エンドユーザー別、購入タイプ別、用途別、地域別、範囲および予測
出版日: 2024年10月28日
発行: Verified Market Research
ページ情報: 英文 202 Pages
納期: 2～3営業日
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  • 概要
  • 目次
概要

モバイル決済市場の規模と予測

モバイル決済市場規模は2024年に2兆7,300億米ドル、2031年には24兆2,800億米ドルに達し、2024年から2031年までのCAGRは31.41%で成長すると予測されます。モバイルペイメントとは、スマートフォンやタブレット端末などのモバイル機器を使用して、商品やサービスの代金を支払うことを指します。消費者は現金や小切手、物理的なクレジットカード/デビットカードを必要とせず、デジタルで購入や送金を行うことができます。モバイル決済は、NFC、QRコード、モバイルウォレットなどの技術を活用し、安全な取引を可能にします。モバイル決済は、キャッシュレス取引を促進し、現物通貨への依存をなくすことで、デジタル経済の構築を支援します。この変化により、金融取引の効率性、オープン性、トレーサビリティが向上し、企業と消費者の双方にメリットがもたらされます。

モバイル・ペイメントでは、ユーザー・データを保護するために高度なセキュリティ対策が採用されています。これには、Touch IDや指紋スキャンなどの生体認証、PIN入力、二要素認証などが含まれます。

世界のモバイル決済市場力学

世界のモバイル決済市場を形成している主な市場力学

主な促進要因

政府のデジタル化への取り組み

世界各国の政府は、デジタル決済プラットフォームを通じてキャッシュレス経済を推進しています。例えば、インドの統一決済インターフェース（UPI）は、NPCIによると2022年に830億件を超える取引を記録しており、これはデジタル・インディア構想の下、政府がデジタル決済を推進していることが背景にあります。

スマートフォンの普及

スマートフォンの普及に伴い、モバイル決済の普及率も高まっています。米国では、連邦準備制度理事会（FRB）の報告によると、2021年には携帯電話所有者の43%がモバイル決済サービスを利用しており、モバイル決済の普及が反映されています。

支持的な規制の枠組み

各国政府は、モバイル決済のエコシステムを強化するために有利な政策を制定しています。例えば、欧州連合（EU）のPSD2（改正決済サービス指令）はモバイル決済サービスを合理化し、欧州全域でデジタル決済のイノベーションを促進しています。

キャッシュレス取引に対する消費者の嗜好：

利便性とスピードから、キャッシュレス決済を好む消費者が増えています。アップルペイやグーグルペイのようなモバイルウォレットの普及により、デジタル決済へのアクセスが容易になった。遠隔地決済分野は、在宅での決済を可能にするデジタルウォレットやモバイルバンキングアプリケーションの普及が進んでいることから、大きな売上シェア（2023年には53.68%）を占めると予想されます。

技術の進歩：

音波を利用した決済などのイノベーションが従来の方法に代わるものとして台頭しており、インターネットに接続しなくても取引が可能となっています。この技術は、高度なスマートフォンへのアクセスが限られている地域では特に有益です。NFCやQRコードを含むモバイル決済技術の継続的な進化は、取引の安全性と効率性を高め、市場成長をさらに促進します。

主な課題：

技術統合の難しさ：

モバイル決済ソリューションを既存のビジネスシステムに統合することは、シームレスな統合に必要な技術的専門知識やリソースを持たない中小規模の加盟店にとっては特に困難な場合があります。さらに、異なる決済システム間の互換性の問題は、ユーザー体験に摩擦を生じさせ、顧客が取引中に困難に遭遇した場合、販売機会の損失につながる可能性があります。

市場競争：

モバイル決済市場は競争が激しく、銀行、フィンテック企業、アップルやグーグルのようなハイテク大手など、多数のプレーヤーが市場シェアを争っています。このような激しい競争は、価格競争につながり、サービスプロバイダーの利益率を低下させる可能性があります。

消費者の信頼の問題：

モバイル決済システムに対する消費者の信頼構築は、セキュリティやプライバシーに対する継続的な懸念のため、依然として課題となっています。ある調査によると、消費者の約50%がモバイル決済アプリケーションを利用する際の個人情報の安全性に懸念を示しています。

限られた加盟店の受け入れ：

モバイル・ペイメントの人気が高まっているにもかかわらず、2023年時点で米国でモバイル・ペイメントを受け入れている中小企業は約40%に過ぎないです。このような限定的な受け入れは、モバイル決済を利用して買い物をしたい消費者にとって大きな障壁となります。

主要動向：

デジタル決済を推進する政府の取り組み：

世界各国の政府は、金融包摂戦略の一環としてデジタル決済を積極的に推進しています。例えば、統一決済インターフェース（UPI）が1年間で400億件以上の取引を促進したインドのような国のイニシアチブは、規制当局の支援がモバイル決済の普及を促進し、現金への依存を減らすことを実証しています。

COVID-19後の非接触型決済の台頭

COVID-19の大流行は、消費者が物理的な接触を最小限に抑えるためにより安全な取引方法を求めたため、非接触型決済方法の採用を大幅に加速させました。MasterCardの調査によると、パンデミック時に世界の消費者の79%が非接触型決済を選択し、キャッシュレス取引への消費者嗜好の持続的なシフトにつながった。

Mコマースの急増：

モバイルコマース（Mコマース）の台頭は、モバイル決済普及の大きな原動力となっています。スマートフォンを利用してオンラインショッピングを行う消費者が増えるにつれ、効率的で安全なモバイル決済オプションに対する需要が急増しています。2022年の世界のモバイル決済取引額は2兆米ドルを超えており、デジタル購買行動への急速なシフトを示しています。

スマートフォンの普及：

スマートフォンの普及は、モバイル決済業界を推進する基本的な触媒です。スマートフォンの所有率が世界的に拡大し、特に発展途上地域では、モバイル決済アプリケーションの潜在的なユーザー数が大幅に増加しています。この動向は、手ごろな価格のスマートフォンが入手可能になり、インターネット接続性が向上したことでさらに後押しされています。

目次

第1章 世界のモバイル決済市場のイントロダクション

  • 市場概要
  • 調査範囲
  • 前提条件

第2章 エグゼクティブサマリー

第3章 VERIFIED MARKET RESEARCHの調査手法

  • データマイニング
  • 検証
  • プライマリーインタビュー
  • データソース一覧

第4章 世界のモバイル決済市場の展望

  • 概要
  • 市場力学
    • 促進要因
    • 抑制要因
    • 機会
  • ポーターのファイブフォースモデル
  • バリューチェーン分析

第5章 世界のモバイル決済市場：決済タイプ別

  • 概要
  • 近接型
  • リモート

第6章 モバイル決済の世界市場：取引モード別

  • 概要
  • モバイルWeb決済
  • 近距離無線通信
  • SMS/ダイレクトキャリア課金
  • その他

第7章 世界のモバイル決済市場：エンドユーザー別

  • 概要
  • 個人
  • ビジネス

第8章 モバイル決済の世界市場：エンドユーザー別

  • 概要
  • 通信料送金とトップアップ
  • 送金と請求書支払い
  • 商品とクーポン
  • 旅行とチケット
  • その他

第9章 モバイル決済の世界市場：用途別

  • 概要
  • メディア＆エンターテインメント
  • エネルギー・公共事業
  • ヘルスケア
  • 小売
  • ホスピタリティ＆運輸
  • その他

第10章 モバイル決済の世界市場：地域別

  • 概要
  • 北米
    • 米国
    • カナダ
    • メキシコ
  • 欧州
    • ドイツ
    • 英国
    • フランス
    • その他欧州
  • アジア太平洋
    • 中国
    • 日本
    • インド
    • その他アジア太平洋地域
  • 世界のその他の地域
    • ラテンアメリカ
    • 中東・アフリカ

第11章 世界のモバイル決済市場：競合情勢

  • 概要
  • 各社の市場ランキング
  • 主な発展戦略

第11章 企業プロファイル

  • Samsung Group
  • Google LLC
  • Amazon.com Inc.
  • Visa Inc.
  • Paypal Inc.
  • Orange SA
  • Alipay.com Co. Ltd
  • American Express Co.
  • Apple Inc.
  • Mahindra ComViva

第12章 付録

  • 関連調査
目次
Product Code: 5699

Mobile Payment Market Size And Forecast

Mobile Payment Market size was value at USD 2.73 Trillion in 2024 and is projected to reach USD 24.28 Trillion by 2031, growing at a CAGR of 31.41% from 2024 to 2031. Mobile payments refer to the transfer of funds using a mobile device, such as a smartphone or tablet, to pay for goods and services. They allow consumers to make purchases and transfer money digitally without needing cash, checks, or physical credit/debit cards. Mobile payments leverage technologies like NFC, QR codes, and mobile wallets to enable secure transactions. Mobile payment helps to build the digital economy by promoting cashless transactions and eliminating dependency on physical currency. This change improves the efficiency, openness, and traceability of financial transactions, which benefits both businesses and consumers.

Mobile payments utilize advanced security measures to protect user data. These include biometric authentication such as Touch ID or fingerprint scans, PIN input, and two-factor authentication.

Global Mobile Payment Market Dynamics

The key market dynamics that are shaping the global mobile payment market include:

Key Drivers

Government Digitalization Initiatives

: Governments globally are promoting cashless economies through digital payment platforms. For example, India's Unified Payments Interface (UPI) saw over 83 billion transactions in 2022, according to NPCI, driven by the government's push for digital payments under the Digital India initiative.

Increased Smartphone Penetration

: As smartphone usage grows, mobile payment adoption rises. In the U.S., the Federal Reserve reported that 43% of mobile phone owners used mobile payment services in 2021, reflecting widespread accessibility.

Supportive Regulatory Frameworks

: Governments are enacting favorable policies to enhance the mobile payments ecosystem. For example, the European Union's PSD2 (Revised Payment Services Directive) has streamlined mobile payment services and fostered innovation in digital payments across Europe.

Consumer Preferences for Cashless Transactions:

A growing number of consumers prefer cashless payment options due to their convenience and speed. The increasing availability of mobile wallets like Apple Pay and Google Pay facilitates easy access to digital transactions. The remote payment segment is expected to hold a significant revenue share (53.68% in 2023), driven by the rising adoption of digital wallets and mobile banking applications that allow users to make payments from home.

Technological Advancements:

Innovations such as sound wave-based payments are emerging as alternatives to traditional methods, allowing transactions without internet connectivity. This technology is particularly beneficial in regions with limited access to advanced smartphones. The continuous evolution of mobile payment technologies, including NFC and QR codes, enhances transaction security and efficiency, further driving market growth.

Key Challenges:

Technological Integration Difficulties:

Integrating mobile payment solutions into existing business systems can be particularly challenging for smaller merchants who may lack the technical expertise or resources needed for seamless integration. Additionally, compatibility issues between different payment systems can create friction in the user experience, leading to potential loss of sales opportunities if customers encounter difficulties during transactions.

Market Competition:

The mobile payment market is highly competitive, with numerous players vying for market share, including banks, fintech companies, and tech giants like Apple and Google. This intense competition can lead to price wars and reduced profit margins for service providers.

Consumer Trust Issues:

Building consumer trust in mobile payment systems remains a challenge due to ongoing concerns about security and privacy. A survey indicated that approximately 50% of consumers express concerns about the safety of their personal information when using mobile payment applications.

Limited Merchant Acceptance:

Despite the growing popularity of mobile payments, only about 40% of small businesses in the U.S. accepted mobile payments as of 2023. This limited acceptance creates significant barriers for consumers wishing to use mobile payment methods for their purchases.

Key Trends:

Government Initiatives Promoting Digital Payments:

Governments globally are actively promoting digital payments as part of their financial inclusion strategies. For instance, initiatives in countries like India, where the Unified Payments Interface (UPI) facilitated over 40 billion transactions in a single year, demonstrate how regulatory support can drive mobile payment adoption and reduce reliance on cash.

Rise of Contactless Payments Post-COVID-19

: The COVID-19 pandemic significantly accelerated the adoption of contactless payment methods as consumers sought safer transaction options to minimize physical contact. A MasterCard survey indicated that 79% of consumers globally opted for contactless payments during the pandemic, leading to a lasting shift in consumer preferences towards cashless transactions.

Surge in M-commerce Adoption:

The rise of mobile commerce (m-commerce) is a significant driver of mobile payment adoption. As more consumers engage in online shopping using their smartphones, the demand for efficient and secure mobile payment options has surged. The global mobile payments transactions were valued at over USD 2 trillion in 2022, showcasing the rapid shift towards digital purchasing behaviors.

Increasing Smartphone Penetration:

The widespread adoption of smartphones is a fundamental catalyst propelling the mobile payment industry. With smartphone ownership expanding globally, particularly in developing regions, the potential user base for mobile payment applications has vastly increased. This trend is further supported by the availability of affordable smartphones and improved internet connectivity.

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Global Mobile Payment Market Regional Analysis

Here is a more detailed regional analysis of the global mobile payment market.

North America:

North America is expected to dominate the mobile payment market throughout the forecast period, driven by its well-established market dynamics. The growing integration of advanced technologies such as blockchain, biometric authentication, and NFC in smartphones is significantly boosting their usage in daily activities like financial transactions, shopping, billing, and recharging. The robust security features provided by smartphones play a crucial role in promoting the adoption of mobile payments in the region.

Major players in the market, such as Apple Pay and Google Pay, have established a strong presence in North America. Apple's payment service accounted for 92% of all mobile wallet debit transactions in the U.S. in 2020, showcasing its dominance in the space.

The rise of e-commerce has also fueled mobile payment adoption; digital products saw nearly 26.8 million average monthly visits in 2021 in the U.S., reflecting consumers' growing familiarity with online shopping and mobile transactions.

The technological infrastructure in North America is highly advanced, facilitating the adoption of mobile payments. The United States has the highest Average Revenue Per User (ARPU) among all countries, approximately 13 times that of China, indicating a mature market ready for further innovation.

Asia Pacific:

Asia Pacific region is estimated to be the most opportunistic region for the mobile payment Market during the forecast period. The market in this region is expected to exhibit rapid growth due to explosive smartphone penetration among unbanked or underbanked populations,

The rapid urbanization and technological advancements in countries like China and South Korea further support this trend. With robust telecommunications infrastructure and high smartphone penetration rates, these nations are well-positioned to embrace mobile payment technologies.

increasing disposable incomes and the active participation of consumers on online platforms foster a favorable environment for mobile payment solutions.

Government initiatives play a crucial role in this growth, as many countries in the region are actively promoting digital payments to enhance financial inclusion and reduce cash reliance.

Global Mobile Payment Market: Segmentation Analysis

The Global Mobile Payment Market is segmented based on Payment Type, Transaction Mode, End-user, Purchase Type, Application And Geography.

Mobile Payment Market, By Payment Type

  • Proximity
  • Remote

Based on the Payment Type, the Mobile Payment Market is segmented into Proximity and Remote. The remote payment segment holds the largest market share and is projected to grow at a compound annual growth rate (CAGR) of 31.5% during the forecast period. This growth can be attributed to the increasing adoption of digital wallets and mobile banking applications that allow users to make payments from virtually anywhere, using mobile phones, websites, or text messages.

Mobile Payment Market, By Transaction Mode

  • Mobile Web Payments
  • Near- Field Communication
  • SMS/Direct Carrier Billing
  • Others

Based on the Transaction Mode, the Mobile Payment Market is segmented into Mobile Web Payments, Near- Field Communication, SMS/Direct Carrier Billing and Others. Mobile web payments dominate significantly over other methods. The mobile web payments segment is favored due to its convenience, as users can easily make transactions through their smartphones without the need for specialized hardware or proximity to a payment terminal.

Mobile Payment Market, By End-User

  • Personal
  • Business

Based on the End-User, the Mobile Payment Market is segmented into Personal and Business. The personal segment dominates significantly over the segment. This is primarily due to the increasing adoption of mobile payment solutions among individual consumers who prefer the convenience and accessibility these services provide for everyday transactions.

Mobile Payment Market, By Purchase Type

  • Airtime Transfer and Top-ups
  • Money Transfers and Bill Payments
  • Merchandise and Coupons
  • Travel and Ticketing
  • Others

Based on the Purchase Type, the Mobile Payment Market is segmented into Airtime Transfer and Top-ups, Money Transfers and Bill Payments, Merchandise and Coupons, Travel and Ticketing and Others. The money transfers and bill payments segment dominates significantly over the segment. This dominance is driven by the increasing reliance on mobile payment solutions for everyday financial transactions, including utility bills, personal loans, and peer-to-peer money transfers.

Mobile Payment Market, By Application

  • Media & Entertainment
  • Energy & Utilities
  • Healthcare
  • Retail
  • Hospitality & Transportation
  • Others

Based on the Application, the Mobile Payment Market is segmented into Media & Entertainment, Energy & Utilities, Healthcare, Retail, Hospitality & Transportation and Others. The retail segment dominates significantly over the segment. This dominance is primarily driven by the increasing adoption of mobile payment solutions in retail environments, where convenience and speed are crucial for enhancing customer experiences.

Mobile Payment Market, By Geography

  • North America
  • Europe
  • Asia-Pacific
  • South America
  • Middle East & Africa

Based on Geography, the Global Mobile Payment Market is classified into North America, Europe, Asia Pacific, and the Rest of the World. North America is expected to dominate the mobile payment market throughout the forecast period, driven by its well-established market dynamics. The growing integration of advanced technologies such as blockchain, biometric authentication, and NFC in smartphones is significantly boosting their usage in daily activities like financial transactions, shopping, billing, and recharging. The robust security features provided by smartphones play a crucial role in promoting the adoption of mobile payments in the region.

Key Players

  • The "Global Mobile Payment Market" study report will provide valuable insight with an emphasis on the global market including some of the major players such as
  • Apple Pay, Google Pay, PayPal, Visa, Mastercard, Alipay, WeChat Pay, M Pesa, Paytm, PhonePe, Stripe, Square, Klarna, Affirm, Revolut, Monzo.

Our market analysis also entails a section solely dedicated to such major players wherein our analysts provide an insight into the financial statements of all the major players, along with its product benchmarking and SWOT analysis. The competitive landscape section also includes key development strategies, market share, and market ranking analysis of the above-mentioned players globally.

  • Mobile Payment Market Recent Developments
  • In September 2023, Google Pay launched a new feature allowing users to send money directly through their contacts on Android devices. This feature aimed to streamline peer-to-peer transactions and enhance user experience, making it easier for individuals to transfer funds without navigating complex menus.
  • In January 2023, PayPal launched a new feature allowing users to buy, hold, and sell cryptocurrencies directly within the PayPal app. This enhancement aimed to attract more users to the platform by providing them with integrated cryptocurrency services alongside traditional payment options.

TABLE OF CONTENTS

1 INTRODUCTION OF GLOBAL MOBILE PAYMENT MARKET

  • 1.1 Overview of the Market
  • 1.2 Scope of Report
  • 1.3 Assumptions

2 EXECUTIVE SUMMARY

3 RESEARCH METHODOLOGY OF VERIFIED MARKET RESEARCH

  • 3.1 Data Mining
  • 3.2 Validation
  • 3.3 Primary Interviews
  • 3.4 List of Data Sources

4 GLOBAL MOBILE PAYMENT MARKET OUTLOOK

  • 4.1 Overview
  • 4.2 Market Dynamics
    • 4.2.1 Drivers
    • 4.2.2 Restraints
    • 4.2.3 Opportunities
  • 4.3 Porters Five Force Model
  • 4.4 Value Chain Analysis

5 GLOBAL MOBILE PAYMENT MARKET, BY PAYMENT TYPE

  • 5.1 Overview
  • 5.2 Proximity
  • 5.3 Remote

6 GLOBAL MOBILE PAYMENT MARKET, BY TRANSACTION MODE

  • 6.1 Overview
  • 6.2 Mobile Web Payments
  • 6.3 Near- Field Communication
  • 6.4 SMS/Direct Carrier Billing
  • 6.5 Others

7 GLOBAL MOBILE PAYMENT MARKET, BY END-USER

  • 7.1 Overview
  • 7.2 Personal
  • 7.3 Business

8 GLOBAL MOBILE PAYMENT MARKET, BY END-USER

  • 8.1 Overview
  • 8.2 Airtime Transfer and Top-ups
  • 8.3 Money Transfers and Bill Payments
  • 8.4 Merchandise and Coupons
  • 8.5 Travel and Ticketing
  • 8.6 Others

9 GLOBAL MOBILE PAYMENT MARKET, BY APPLICATION

  • 9.1 Overview
  • 9.2 Media & Entertainment
  • 9.3 Energy & Utilities
  • 9.4 Healthcare
  • 9.5 Retail
  • 9.6 Hospitality & Transportation
  • 9.7 Others

10 GLOBAL MOBILE PAYMENT MARKET, BY GEOGRAPHY

  • 10.1 Overview
  • 10.2 North America
    • 10.2.1 U.S.
    • 10.2.2 Canada
    • 10.2.3 Mexico
  • 10.3 Europe
    • 10.3.1 Germany
    • 10.3.2 U.K.
    • 10.3.3 France
    • 10.3.4 Rest of Europe
  • 10.4 Asia Pacific
    • 10.4.1 China
    • 10.4.2 Japan
    • 10.4.3 India
    • 10.4.4 Rest of Asia Pacific
  • 10.5 Rest of the World
    • 10.5.1 Latin America
    • 10.5.2 Middle East And Africa

11 GLOBAL MOBILE PAYMENT MARKET COMPETITIVE LANDSCAPE

  • 11.1 Overview
  • 11.2 Company Market Ranking
  • 11.3 Key Development Strategies

11 COMPANY PROFILES

  • 11.1 Samsung Group
    • 11.1.1 Overview
    • 11.1.2 Financial Performance
    • 11.1.3 Product Outlook
    • 11.1.4 Key Developments
  • 11.2 Google LLC
    • 11.2.1 Overview
    • 11.2.2 Financial Performance
    • 11.2.3 Product Outlook
    • 11.2.4 Key Developments
  • 11.3 Amazon.com Inc.
    • 11.3.1 Overview
    • 11.3.2 Financial Performance
    • 11.3.3 Product Outlook
    • 11.3.4 Key Developments
  • 11.4 Visa Inc.
    • 11.4.1 Overview
    • 11.4.2 Financial Performance
    • 11.4.3 Product Outlook
    • 11.4.4 Key Developments
  • 11.5 Paypal Inc.
    • 11.5.1 Overview
    • 11.5.2 Financial Performance
    • 11.5.3 Product Outlook
    • 11.5.4 Key Developments
  • 11.6 Orange SA
    • 11.6.1 Overview
    • 11.6.2 Financial Performance
    • 11.6.3 Product Outlook
    • 11.6.4 Key Developments
  • 11.7 Alipay.com Co. Ltd
    • 11.7.1 Overview
    • 11.7.2 Financial Performance
    • 11.7.3 Product Outlook
    • 11.7.4 Key Developments
  • 11.8 American Express Co.
    • 11.8.1 Overview
    • 11.8.2 Financial Performance
    • 11.8.3 Product Outlook
    • 11.8.4 Key Developments
  • 11.9 Apple Inc.
    • 11.9.1 Overview
    • 11.9.2 Financial Performance
    • 11.9.3 Product Outlook
    • 11.9.4 Key Developments
  • 11.11 Mahindra ComViva
    • 11.11.1 Overview
    • 11.11.2 Financial Performance
    • 11.11.3 Product Outlook
    • 11.11.4 Key Developments

12 Appendix

  • 11.1 Related Research