モバイル決済手段のアジア太平洋地域：2022年

アジア太平洋地域は、世界中の決済市場で確固たる地位を維持しており、収益の継続的な成長を示し、地域全体で堅実な成長率が予測されています。また、この成長は、パンデミックの後遺症としてモバイルおよびデジタルウォレットの採用が増加したことによって促進されています。ただし、デジタルウォレットの成長軌道は国によって異なり、中国と韓国はすでにキャッシュレス社会に向かっており、モバイルウォレットが急速に採用されています。一方、日本は依然として現金依存経済のままです。さらに、カードや銀行振込など、この地域で一般的に使用されているB2C Eコマースの決済手段の中でも、Eウォレットが決済総額の半分以上を占めています。

当レポートでは、アジア太平洋地域のモバイル決済手段について調査分析し、世界の動向、地域別・国別の主要動向などについて、最新の情報を提供しています。

目次

第1章 マネジメントサマリー

第2章 世界の動向

• オンライン・モバイル決済の動向、2022年7月
• デジタルウォレットのトランザクション金額、2022年f・2026年f
• モバイル決済の市場規模、2021年・2028年f
• OEMモバイル決済アプリ経由で決済されたB2C Eコマースのトランザクション件数、2022年f・2026年f
• パンデミック時のオンラインショッピングで最も利用された決済手段、オンラインショッパーの割合、主要国別、2021年4月
• 生体認証によるリモートモバイル決済の金額、2022年e・2027年f
• 生体認証によるリモートモバイル決済の件数、2022年e・2027年f
• 非接触型モバイルのトランザクション件数、2021年e・2023年f
• 世界の近接モバイル決済ユーザー数、前年比、2020年～2025年f
• 近接モバイル決済ユーザーの普及率、スマートフォンユーザーの割合、2020年～2025年f
• モバイルウォレットユーザー数、地域別、2020年・2025年f
• 主要国における近接モバイル決済ユーザー数、スマートフォンユーザーの割合、2021年e
• オンラインマーチャントが受け入れた決済手段、既に導入済み/導入予定別、オンラインマーチャントの割合、2022年2月
• デジタルバンキング詐欺のトランザクション内訳、チャネル別、モバイルアプリを含む、2019年第3四半期～2021年第2四半期

第3章 アジア太平洋地域

• 地域全体
• 先進市場
  • 日本
  • 韓国
  • オーストラリア
• 新興市場
  • 中国
  • 台湾
  • インドネシア
  • マレーシア

“Mobile payment use grows post-pandemic in the Asia-Pacific region, with consumers inclining towards mobile wallets: newyStats.com report.”

Mobile wallets witness a growing trend in Asia-Pacific, with China being the frontrunner in their use

Asia-Pacific maintains its strong position in the payments market worldwide, showing continuous growth in revenues and projecting a solid growth rate across regions, as revealed by the new yStats.com publication. Furthermore, this growth is driven by the rising adoption of mobile and digital wallets as an after effect of the pandemic. The growth trajectory of digital wallets however differs between countries, with China and South Korea already moving towards a cashless society and embracing mobile wallets rapidly. On the other hand, Japan still remains a cash dependent economy, according to a source cited in the new yStats.com report. Additionally, among the other commonly used B2C E-Commerce payment methods in the region such as cards, bank transfers, and so on, E-wallets accounted for more than half of total payments. In Asia-Pacific, the number and value of mobile wallet users is projected to increase from 2020 to 2025, with mobile wallet user penetration increasing in multiple countries of the region, as stated in the new yStats.com publication. China happens to be the leading country when it comes to the use of digital payment methods in the region. For instance, a majority of the internet users in China preferred mobile payments in February 2022, over other methods such as cash payment, bankcard payment, smartwatch payment, and computer payment. Moreover, the mobile wallet user penetration in China is also forecasted to continue to increase moderately between 2020 and 2025, as reported by the new yStats.com publication. Further, the value of mobile wallet transaction in the country is projected to witness almost a double-digit growth between 2020 and 2025, with value reaching certain trillions of Euros by 2025. Alipay, followed by WeChat Pay were the most used platforms when it came to payments via mobile wallets in 2021. The other emerging countries within the region such as Indonesia, and Malaysia are also forecasted to witness a significantly high double-digit CAGR in terms of number of mobile wallet transactions between 2020 and 2025, as spelled out by the new yStats.com report.

With other advanced and emerging countries moving towards a cashless society, Japan still shows signs of a cash driven economy

The use and adoption of digital and mobile payment methods in Asia-Pacific accelerated amidst the COVID-19 pandemic. Contactless payment methods in the region thus became the newly accepted norm post-pandemic, as mentioned in the new yStats.com report. In 2021, the top B2C E-Commerce payment method in South Korea was credit cards, with nearly three-quarters of the online payments in the country being conducted via credit cards, followed by E-wallets and other non-cash payment options. The share of online shoppers using cash was exceptionally low, with cash payments coming in the last place and accounting for a single digit share of the country's online payments, as per the new yStats.com publication. As per a survey cited in the new yStats.com report, most of the respondents in Japan, were seen inclining towards cash in 2022, with less than half of the respondents using non-cash payment methods such as mobile payments and so on. The share of internet users using QR code mobile payment and contactless mobile payment also remained quite low as of the start of 2022 in Japan. Furthermore, only one in three smartphone users in the country were willing to use mobile payments in the future as of February 2022, as mentioned in the new yStats.com report.

Table of Contents

1. Management Summary

2. Global Developments

• Online & Mobile Payment Trends, July 2022
• Value of Digital Wallet Transactions, in USD trillion, 2022f & 2026f
• Mobile Payment Market Size, in USD trillion, 2021 & 2028f
• Number of B2C E-Commerce Transactions Paid by OEM Mobile Payment Apps, in billions, 2022f & 2026f
• Most Used Payment Methods When Shopping Online During The Pandemic, in % of Online Shoppers, by Selected Countries, April 2021
• Value of Biometrically Authenticated Remote Mobile Payments, in USD billion, 2022e & 2027f
• Volume of Biometrically Authenticated Remote Mobile Payments, in billions, 2022e & 2027f
• Number of Mobile Contactless Transactions, in billions, 2021e & 2023f
• Proximity Mobile Payment Users Worldwide, in millions, and Year-on-Year Change, in %, 2020-2025f
• Proximity Mobile Payment User Penetration, in % of Smartphone Users, 2020-2025f
• Number of Mobile Wallet Users, by Region, in millions, 2020 & 2025f
• Proximity Mobile Payment Users in Select Countries, in % of Smartphone Users, 2021e
• Payment Methods Accepted by Online Merchants, by Already Accepted and Planned, in % of Online Merchants, February 2022
• Breakdown of Digital Banking Fraudulent Transactions, by Channel, incl. Mobile App, in %, Q3 2019 - Q2 2021

3. Asia-Pacific

• 3.1. Regional
  • Overview of the Online and Mobile Payment Trends, July 2022
  • Breakdown of Payment Methods Used in B2C E-Commerce, in %, 2021
• 3.2. Advanced Markets
  • 3.2.1. Japan
    • General Payment Methods Used, in % of Respondents, January 2022
    • Breakdown of Mobile Payments' Percentage Share of Total Payments Made, in % of Mobile Payment Service Users, February 2022
    • Breakdown of Attitude Towards Future Use of Mobile Payments, in % of Smartphone Users, February 2022
    • Mobile Payment User Penetration, by QR Code Payment and Contactless Payment, in % of Internet Users, January 2022
    • Breakdown of Most Used QR Code Mobile Payment Services, in % of QR Code Mobile Payment Users, January 2022
    • Breakdown of Most Used Contactless Mobile Payment Services, in % of Contactless Mobile Payment Service Users, January 2022
    • Number of Mobile Wallet Users, in millions, 2020 & 2025f
    • Number of Mobile Wallet Transactions, in billions, 2020 & 2025f
    • Mobile Wallet Transaction Value, in USD billion, 2020 & 2025f
  • 3.2.2. South Korea
    • Breakdown of Payment Methods Used in B2C E-Commerce, in %, 2021
    • Mobile Wallet Ownership and Usage, in % of Adults, H1 2021
    • Number of Mobile Wallet Users, in millions, 2020 & 2025f
    • Number of Mobile Wallet Transactions, in billions, 2020 & 2025f
    • Mobile Wallet Transaction Value, in USD billion, 2020 & 2025f
  • 3.2.3. Australia
    • Usage of Selected Online Payment Platforms, in % of Respondents, January 2018 & June 2021
• 3.3. Emerging Markets
  • 3.3.1. China
    • Most Used Payment Methods, in % of Internet Users, February 2022
    • Mobile Wallet User Penetration, in % of Population, 2020 & 2025f
    • Mobile Wallet Transaction Value, in USD trillion, and Volume, in billions, 2020 & 2025f
    • Breakdown of Mobile Wallet Market, in % of Total Value, July 2021
    • Number of Proximity Mobile Payment Users, in millions, and Share, in % of Population, 2019-2025f
  • 3.3.2. Taiwan
    • Breakdown of Most Preferred Online Payment Methods, in % of Internet Users, August 2021
    • Mobile Payment and Card User Penetration, by Age Group, in % of Internet Users, August 2021
  • 3.3.3. Indonesia
    • Number of Mobile Wallet Users, in millions, 2020 & 2025f
    • Number of Mobile Wallet Transactions, in billions, 2020 & 2025f
    • Mobile Wallet Transaction Value, in USD billion, 2020 & 2025f
    • Digital Wallet and Mobile Banking Use, by Generation, in % of Mobile Payment Users, H2 2021
    • Most Used Digital Wallet Platforms, in % of Mobile Payment Users, by Socio-Economic Status, H2 2021
    • Proximity Mobile Payment User Penetration, in % of Smartphone Users, 2021e
  • 3.3.4. Malaysia
    • Number of Mobile Wallet Users, in millions, 2020 & 2025f
    • Mobile Wallet Transaction Value, in USD billion, 2020 & 2025f
    • Number of Mobile Wallet Transactions, in billions, 2020 & 2025f