モバイル決済技術の世界市場規模：決済タイプ別、取引モード別、購入タイプ別、用途別、地域範囲別、予測

モバイル決済技術の市場規模と予測

モバイル決済技術の市場規模は、2024年に7,427億2,000万米ドルと評価され、2026～2032年にかけて58.85%のCAGRで成長し、2032年には22兆7,124億1,000万米ドルに達すると予測されます。

モバイル決済技術は、小売、eコマース、輸送、さらにはピアツーピア決済など幅広い用途があり、ユーザーは複数の場所で楽に取引を行うことができます。

モバイル決済技術の将来は有望で、セキュリティ機能の進化、ブロックチェーンや人工知能などの新技術との統合、発展途上地域での採用拡大などが期待され、これらすべてが世界中のユーザーの利便性とアクセシビリティを向上させると考えられます。

モバイル決済技術の世界市場力学

世界のモバイル決済技術市場を形成している主要市場力学は以下の通りです。

主要促進要因

スマートフォン普及率の増加：スマートフォンの世界の普及は、モバイル決済技術市場の主要促進要因です。2021年までに38億人以上のスマートフォンユーザーが見込まれるモバイル決済アプリは、消費者がいつでもどこからでも簡単に買い物を行えるようにします。この動向は今後も続き、モバイル決済システムの利用が加速すると予測されています。2024年4月、Appleは、新興市場におけるiPhoneの販売台数が前年比22%増となり、モバイル決済機能が普及の主要因となったと発表しました。

非接触型決済への嗜好の高まり：COVID-19の流行に後押しされた非接触型決済ソリューションへの需要の高まりは、モバイル決済技術セグメントを大きく強化しました。消費者は取引中の物理的接触を避けるため、非接触型決済の手軽さと安全性を好むようになっています。このような消費者行動の動向は、加盟店がモバイル決済ソリューションを利用して顧客の要望を満たすことを後押ししています。

セキュリティ技術の進歩：生体認証（指紋認証や顔認証）やトークン化など、セキュリティ対策の継続的な改善により、モバイル決済システムに対する顧客の信頼が高まっています。セキュリティへの懸念が依然として導入の障壁となっている中、こうした進歩はリスクを限定し、機密性の高い決済情報を保護するのに役立ち、より多くの人々にモバイル決済技術の利用を促しています。2024年3月、Visaは、同社のネットワーク上のモバイル決済取引の60%で生体認証方法（指紋、顔認証）が使用され、前年の45%から増加したと発表しました。

政府の取り組みと規制：多くの政府は、金融包摂を促進し、現金取引への依存を最小限に抑えるため、デジタル決済の代替手段を支援しています。デジタル決済プラットフォームへの補助金、モバイル決済を受け入れる加盟店への優遇措置、安全な決済エコシステムを奨励する規則などの取り組みがモバイル決済技術市場を前進させ、企業や消費者にこうしたソリューションの利用を促しています。米国連邦準備制度理事会（FRB）は2024年4月、2025年に開始予定の迅速な決済サービス「Fed Now」の開発を発表し、モバイル決済の利用が増加すると予測しました。

主要課題

セキュリティへの懸念：セキュリティ技術の進歩にもかかわらず、モバイル決済セグメントはデータ漏洩や詐欺行為に悩まされ続けています。利用者は金融情報や個人情報のセキュリティに懸念を抱いており、それがモバイル決済ソリューションの利用を妨げている可能性があります。強固なセキュリティ対策を確保し、消費者の信頼を勝ち取ることは、このセグメントの組織にとって依然として大きな難題です。

標準化の欠如：モバイル決済のエコシステムには統一規格がないため、異なる決済プラットフォームやデバイス間の相互運用性に課題があります。技術、プロトコル、ユーザーインターフェースが異なると、消費者の混乱を招き、摩擦のない取引の妨げとなります。産業全体の標準を確立することは、相互運用性を高め、全体的なユーザーエクスペリエンスを向上させる上で極めて重要です。

インフラの限界：多くの場所、特に発展途上国では、不十分な技術インフラがモバイル決済システムの導入の妨げとなっています。インターネットへのアクセスの悪さ、スマートフォンの普及率の低さ、支える決済インフラの不足はすべて、モバイル決済の一般的な受容性と有効性を阻害する要因となります。

規制上の課題：モバイル決済ビジネスには複雑な規制が適用され、その内容は地域によって大きく異なります。データ保護、マネーロンダリング防止、決済処理に関する異なる基準への準拠は、世界に事業を展開する企業にとって困難な場合があります。こうした規制のハードルを乗り越えるには多大なリソースが必要であり、市場参入のスピードや成長戦略に影響を及ぼす可能性があります。

主要動向

デジタルウォレットの普及：Apple Pay、Googleペイ、Samsungペイなどのデジタルウォレットを利用する消費者が増えています。これらのウォレットを使えば、ユーザーは様々な決済方法を一カ所にまとめて保存できるため、店舗でもオンラインでも迅速な買い物が可能になります。eコマースの台頭と、摩擦のないチェックアウト体験への需要が、デジタルウォレットへの追い風となっています。

バイオメトリクス認証の統合：指紋スキャンや顔認証などのバイオメトリクス認証方式は、モバイル決済システムでますます利用されるようになっています。この動向は、決済アプリへの迅速かつ安全なアクセスを可能にすることで、セキュリティを高め、ユーザー体験を向上させています。消費者が取引の安全性を重視する中、生体認証の統合は増加すると予測されます。

非接触型決済の拡大：特にCOVID-19の大流行以降、非接触型決済技術の移行が進んでいます。消費者は、購入時に物理的な接触を避けるために、非接触カードやスマートフォン決済を利用するようになっています。この傾向は加盟店に非接触型決済技術の利用を促し、モバイル決済ソリューションの全体的な拡大に寄与しています。

決済における暗号通貨の利用の増加：デジタル通貨を受け入れるプラットフォームや小売業者の数が増加しているため、決済方法としての暗号通貨の受け入れが拡大しています。ブロックチェーン技術の進歩と安定したコインの生成により、消費者は暗号通貨を通常の取引に利用できるようになりました。この開発はモバイル決済のエコシステムを変革し、ユーザーに既存通貨に代わる選択肢を提供することになると考えられます。

目次

第1章 世界のモバイル決済技術市場の導入

• 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
• バリデーション
• 一次資料
• データソース一覧

第4章 世界のモバイル決済技術市場展望

• 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 モバイル決済技術の世界市場：決済モード別

• 概要
• 近接決済
• リモート決済

第6章 モバイル決済技術の世界市場：技術別

• 概要
• NFC
• QRコード
• WAPとカードベース
• デジタルウォレット
• バンキングアプリベース
• SMSベース/DCB
• その他

第7章 モバイル決済技術の世界市場：用途別

• 概要
• BFSI
• 小売
• ヘルスケア
• エンターテインメント
• IT・通信
• エネルギー公益事業
• ホスピタリティ＆ツーリズム
• その他

第8章 モバイル決済技術市場：購入タイプ別

• 通信時間振替とトップアップ
• 送金と請求書決済
• 商品とクーポン
• 旅行とチケット

第9章 モバイル決済技術の世界市場：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
  • その他の欧州
• アジア太平洋
  • 中国
  • 日本
  • インド
  • その他のアジア太平洋
• その他
  • ラテンアメリカ
  • 中東・アフリカ

第10章 世界のモバイル決済技術市場の競合情勢

• 概要
• 各社の市場ランキング
• 主要開発戦略

第11章 企業プロファイル

• Orange S.A.
• Vodacom Group Limited
• MasterCard Incorporated
• Bharti Airtel Limited
• MTN Group Limited
• Safaricom Limited
• PayPal Holdings Inc.
• Econet Wireless Zimbabwe Limited
• Millicom International Cellular SA
• Mahindra Comviva
• AT & T'S
• JIO
• Apple Inc.
• Google LLC.

第12章 付録

• 関連レポート

Mobile Payment Technology Market Size And Forecast

Mobile Payment Technology Market size was valued at USD 742.72 Billion in 2024 and is projected to reach USD 22712.41 Billion by 2032, growing at a CAGR of 58.85% from 2026 to 2032. goods and services swiftly and securely through a variety of payment methods such as near-field communication (NFC), mobile wallets, and online banking apps.

Mobile payment technology has a wide range of applications, including retail, e-commerce, transportation, and even peer-to-peer payments, allowing users to make transactions effortlessly across several locations.

The future of mobile payment technology looks promising, with expected advancements in security features, integration with emerging technologies such as blockchain and artificial intelligence, and increased adoption in developing regions, all of which will improve convenience and accessibility for users worldwide.

Global Mobile Payment Technology Market Dynamics

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

Key Drivers:

Increasing Smartphone Penetration: The global use of smartphones is a major driver of the mobile payment technology market. With over 3.8 billion smartphone users by 2021, mobile payment apps make it easy for consumers to perform purchases at any time and from any location. This trend is projected to continue, accelerating the use of mobile payment systems. In April 2024, Apple stated that iPhone sales in emerging markets increased by 22% year on year, with mobile payment functionality being a key driver of adoption.

Growing Preference for Contactless Payments: The increase in demand for contactless payment solutions, aided by the COVID-19 epidemic, has greatly strengthened the mobile payment technology sector. Consumers are increasingly preferring the ease and security of contactless payments to avoid physical contact during transactions. This trend in consumer behavior encourages merchants to use mobile payment solutions to satisfy client desires.

Advancements in Security Technologies: Continuous improvements in security measures, such as biometric authentication (fingerprint and facial recognition) and tokenization, are increasing customer trust in mobile payment systems. As security concerns remain a barrier to adoption, these advancements help limit risks and protect sensitive payment information, encouraging more people to use mobile payment technology. In March 2024, Visa announced that biometric authentication methods (fingerprint, facial recognition) were used in 60% of mobile payment transactions on its network, up from 45% the year before.

Government Initiatives and Regulations: Many governments are supporting digital payment alternatives to increase financial inclusion and minimize reliance on cash transactions. Initiatives like as subsidies for digital payment platforms, incentives for merchants to accept mobile payments, and rules that encourage secure payment ecosystems are propelling the mobile payment technology market forward, pushing businesses and consumers to use these solutions. The United States Federal Reserve announced in April 2024 the development of Fed Now, a quick payment service slated to start in 2025 and projected to increase mobile payment use.

Key Challenges:

Security Concerns: Despite advances in security technologies, the mobile payment sector continues to be plagued by data leaks and fraudulent activity. Users are concerned about the security of their financial and personal information, which may prevent them from using mobile payment solutions. Ensuring strong security measures and winning consumer trust are still major difficulties for organizations in this field.

Lack of Standardization: The mobile payment ecosystem lacks uniform standards, which causes interoperability challenges between different payment platforms and devices. Different technologies, protocols, and user interfaces can cause consumer confusion and impede frictionless transactions. Establishing industry-wide standards is critical for increasing interoperability and improving the overall user experience.

Infrastructure Limitations: In many places, particularly in developing countries, insufficient technology infrastructure can hinder the adoption of mobile payment systems. Poor internet access, low smartphone adoption, and a lack of supporting payment infrastructure can all impede mobile payments' general acceptability and effectiveness.

Regulatory Challenges: The mobile payment business is governed by a complicated set of regulations that can vary greatly by area. Compliance with differing standards on data protection, anti-money laundering, and payment processing can be difficult for organizations operating globally. Navigating these regulatory hurdles demands significant resources and might have an impact on the speed of market entry and growth strategy.

Key Trends:

Increasing Adoption of Digital Wallets: Consumers are increasingly turning to digital wallets like Apple Pay, Google Pay, and Samsung Pay as they seek easy and secure payment solutions. These wallets let users to store various payment methods in one location, allowing for rapid purchases both in-store and online. The rise of e-commerce and the demand for frictionless checkout experiences fuel the push toward digital wallets.

Integration of Biometric Authentication: Biometric identification methods, such as fingerprint scanning and facial recognition, are increasingly being used in mobile payment systems. This trend increases security and improves user experience by allowing for quick and secure access to payment apps. As consumer's value safety in their transactions, biometric integration is projected to increase.

Expansion of Contactless Payments: The transition of contactless payment technologies has increased, especially since the COVID-19 pandemic. Consumers are increasingly using contactless cards and smartphone payments to avoid physical contact during purchases. This tendency encourages merchants to use contactless payment technology, which contributes to the overall expansion of mobile payment solutions.

Increasing Use of Cryptocurrency for Payment: The acceptance of cryptocurrencies as a payment method is growing, due to a rising number of platforms and retailers who accept digital currencies. Consumers can now utilize cryptocurrencies for regular transactions thanks to advancements in blockchain technology and the creation of stable coins. This development is likely to transform the mobile payment ecosystem, providing users with alternatives to established currencies.

Global Mobile Payment Technology Market Regional Analysis

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

Europe:

North America remains a leading force in the Mobile Payment Technology Market, owing to high smartphone adoption, robust technological infrastructure, and a strong push for cashless transactions. The Federal Reserve's 2024 Payments Study, published in April, found that mobile payments in the United States increased by 28% in 2023 compared to the previous year, accounting for 22% of all retail transactions. This expansion is fueled by the growing use of mobile wallets and contactless payment solutions in a variety of industries.

For instance, in July 2023, the United States Treasury Department proposed measures to improve cybersecurity for financial transactions, encouraging a safer environment for digital payments. In September 2023, furthermore, a poll conducted by the National Retail Federation indicated that approximately 70% of customers in the region are now comfortable utilizing mobile payment apps, reinforcing North America's position as the global leader.

Asia Pacific:

The Asia Pacific area is experiencing tremendous expansion in the mobile payment technology market, owing to rising smartphone adoption and a thriving digital economy. In September 2023, Alibaba's Ant Group said that it would expand its mobile payment services in Southeast Asia, reflecting the region's potential for mobile commerce.

For instance, in August 2023, the Reserve Bank of India launched the "Digital Payments Utsav" campaign to encourage people and companies to switch to digital payment systems. Furthermore, in July 2023 poll performed by the Asia-Pacific Economic Cooperation (APEC) revealed that about 75% of consumers in the area have used mobile payment apps in the previous year, indicating that customers are becoming more comfortable and trusting of these technologies.

Global Mobile Payment Technology Market: Segmentation Analysis

The Global Mobile Payment Technology Market is segmented on the basis of Payment Type, Transaction Mode, Purchase Type, Application, and Geography.

Mobile Payment Technology Market, By Payment Type

• Proximity
• Remote

Based on Payment Type, the Global Mobile Payment Technology Market is segmented into Proximity, and Remote. The proximity payment category is currently prominent, as it includes popular methods like as NFC (Near Field Communication) and QR code payments, which are commonly used in retail situations. The remote payment segment is the fastest-growing, driven by rising demand for e-commerce and digital transactions, especially in the aftermath of the COVID-19 pandemic, as customers seek simple and flexible payment solutions for online purchases.

Mobile Payment Technology Market, By Transaction Mode

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

Based on Transaction Mode, the Global Mobile Payment Technology Market is segmented into Mobile Web Payments, Near-Field Communication, and SMS/Direct Carrier Billing. The Near-Field Communication (NFC) segment is currently prominent because it allows for easy and secure transactions in retail contexts via tap-to-pay. Meanwhile, Mobile Web Payments is the fastest-growing area, driven by the rise of e-commerce and mobile shopping, as consumers prefer to make purchases directly through mobile websites and apps.

Mobile Payment Technology Market, By Purchase Type

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

Based on Purchase Type, the Global Mobile Payment Technology Market is segmented into Airtime Transfer and Top-Ups, Money Transfers and Bill Payments, Merchandise and Coupons, Travel and Ticketing. The Money Transfers and Bill Payments sector is now prominent because it includes a wide range of important financial operations that customers often conduct. The Travel and Ticketing area is the fastest-growing, driven by rising demand for simple payment options in the travel industry, especially as travel resumes and digital ticketing becomes more common.

Mobile Payment Technology Market, By Application

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

Based on Application, the Global Mobile Payment Technology Market is segmented into Media & Entertainment, Energy & Utilities, Healthcare, Retail, and Hospitality & Transportation. The retail market is currently dominant, due to the growing adoption of mobile payment solutions for both in-store and online buying experiences. The Hospitality & Transportation area is the fastest-growing, owing to rising consumer demand for frictionless payment experiences when booking services and traveling, notably via applications and digital channels.

Mobile Payment Technology Market, By Geography

• North America
• Europe
• Asia Pacific
• Rest of the World

Based on the Geography, the Global Mobile Payment Technology Market are classified into North America, Europe, Asia Pacific, Rest of the World. North America is currently the dominant region, due to sophisticated technology infrastructure and widespread consumer use of mobile payment options. The Asia Pacific area is the fastest growing, owing to a quickly increasing digital economy, greater smartphone penetration, and rising consumer preference for mobile payments in countries such as China and India.

Key Players

The "Global Mobile Payment Technology Market" study report will provide valuable insight with an emphasis on the global market. The major players in the market are Apple Pay, Google Pay, PayPal, Visa, Mastercard, Alipay, WeChat Pay, M Pesa, Paytm, PhonePe, Stripe, Square, Klarna, Affirm, Revolut, and 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.

• Global Mobile Payment Technology Market: Recent Developments
• In July 2023, Apple announced an update to its Apple Pay service that included support for new cryptocurrencies. This move corresponds with rising consumer interest in digital currencies, allowing users to perform transactions using multiple cryptocurrencies directly through Apple Wallet.
• In August 2023, Samsung Pay has teamed with various banks in the United States to develop a loyalty rewards program for its users. Customers can earn points for each mobile payment transaction, which promotes consumer engagement and encourages the adoption of mobile payments.
• In August 2023, Visa increased its partnership with fintech startups to improve mobile payment security using blockchain technology. This collaboration seeks to use decentralized systems to improve the transparency and security of mobile transactions, thereby addressing growing concerns about fraud in digital payments.

TABLE OF CONTENTS

1. INTRODUCTION OF GLOBAL MOBILE PAYMENT TECHNOLOGY 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 TECHNOLOGY 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 TECHNOLOGY MARKET, BY PAYMENT MODE

• 5.1. Overview
• 5.2. Proximity Payment
• 5.3. Remote Payment

6. GLOBAL MOBILE PAYMENT TECHNOLOGY MARKET, BY TECHNOLOGY

• 6.1. Overview
• 6.2. NFC
• 6.3. QR Code
• 6.4. WAP & Card-Based
• 6.5. Digital Wallet
• 6.6. Banking App-based
• 6.7. SMS-based/DCB
• 6.8. Others

7. GLOBAL MOBILE PAYMENT TECHNOLOGY MARKET, BY APPLICATION

• 7.1. Overview
• 7.2. BFSI
• 7.3. Retail
• 7.4. Healthcare
• 7.5. Entertainment
• 7.6. IT and Telecom
• 7.7. Energy & Utilities
• 7.8. Hospitality & Tourism
• 7.9. Others

8. Mobile Payment Technology Market, By Purchase Type

• 8.1 Airtime Transfer and Top-Ups
• 8.2 Money Transfers and Bill Payments
• 8.3 Merchandise and Coupons
• 8.4 Travel and Ticketing

9. GLOBAL MOBILE PAYMENT TECHNOLOGY MARKET, BY GEOGRAPHY

• 9.1. Overview
• 9.2. North America
  • 9.2.1. U.S.
  • 9.2.2. Canada
  • 9.2.3. Mexico
• 9.3. Europe
  • 9.3.1. Germany
  • 9.3.2. U.K.
  • 9.3.3. France
  • 9.3.4. Rest of Europe
• 9.4. Asia Pacific
  • 9.4.1. China
  • 9.4.2. Japan
  • 9.4.3. India
  • 9.4.4. Rest of Asia Pacific
• 9.5. Rest of the World
  • 9.5.1. Latin America
  • 9.5.2. Middle East & Africa

10. GLOBAL MOBILE PAYMENT TECHNOLOGY MARKET COMPETITIVE LANDSCAPE

• 10.1. Overview
• 10.2. Company Market Ranking
• 10.3. Key Development Strategies

11. COMPANY PROFILES

• 11.1. Orange S.A.
  • 11.1.1. Overview
  • 11.1.2. Financial Performance
  • 11.1.3. Product Outlook
  • 11.1.4. Key Developments
• 11.2. Vodacom Group Limited
  • 11.2.1. Overview
  • 11.2.2. Financial Performance
  • 11.2.3. Product Outlook
  • 11.2.4. Key Developments
• 11.3. MasterCard Incorporated
  • 11.3.1. Overview
  • 11.3.2. Financial Performance
  • 11.3.3. Product Outlook
  • 11.3.4. Key Developments
• 11.4. Bharti Airtel Limited
  • 11.4.1. Overview
  • 11.4.2. Financial Performance
  • 11.4.3. Product Outlook
  • 11.4.4. Key Developments
• 11.5. MTN Group Limited
  • 11.5.1. Overview
  • 11.5.2. Financial Performance
  • 11.5.3. Product Outlook
  • 11.5.4. Key Developments
• 11.6. Safaricom Limited
  • 11.6.1. Overview
  • 11.6.2. Financial Performance
  • 11.6.3. Product Outlook
  • 11.6.4. Key Developments
• 11.7. PayPal Holdings Inc.
  • 11.7.1. Overview
  • 11.7.2. Financial Performance
  • 11.7.3. Product Outlook
  • 11.7.4. Key Developments
• 11.8. Econet Wireless Zimbabwe Limited
  • 11.8.1. Overview
  • 11.8.2. Financial Performance
  • 11.8.3. Product Outlook
  • 11.8.4. Key Developments
• 11.9. Millicom International Cellular SA
  • 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
• 11.11. AT &T'S
  • 11.11.1. Overview
  • 11.11.2. Financial Performance
  • 11.11.3. Product Outlook
  • 11.11.4. Key Developments
• 11.12. JIO
  • 11.12.1. Overview
  • 11.12.2. Financial Performance
  • 11.12.3. Product Outlook
  • 11.12.4. Key Developments
• 11.13. Apple Inc.
  • 11.13.1. Overview
  • 11.13.2. Financial Performance
  • 11.13.3. Product Outlook
  • 11.13.4. Key Developments
• 11.14. Google LLC.
  • 11.14.1. Overview
  • 11.14.2. Financial Performance
  • 11.14.3. Product Outlook
  • 11.14.4. Key Developments

12. Appendix

• 12.1. Related Reports