世界の決済イノベーション動向：2023年

COVID-19の流行は消費者や企業の決済方法の変化をもたらし、BNPLやワンクリック決済、リアルタイム決済などの新しい決済手段への依存度を高めました。エンベデッドファイナンスの市場規模は、2021年から2026年にかけて2桁のCAGRを記録し、2026年には数十億ユーロの規模に達すると予測されています。また、リアルタイム決済の市場規模も、2022年から2028年にかけて2桁のCAGRを記録し、2028年には数十億ユーロに達すると予測されています。

当レポートでは、新しい決済手段の動向を調査し、エンベデッドファイナンス、メタバース決済、生体認証決済、車内決済、リアルタイム決済などの新しい決済手法の動向を世界、地域、主要国別にまとめています。

目次

第1章 マネジメントサマリー

第2章 エンベデッドファイナンス

• 世界
  • エコシステムの概要
  • 市場規模の実績・予測
  • 総収益の実績・予測
  • エンベデッドファイナンスの使用に関する回答者の見解
• 北米
• 欧州
• アジア太平洋

第3章 メタバース決済

• 世界
  • メタバース決済の概要
  • 2023年にメタバースへの進出を計画している企業の割合
  • メタバース戦略を実現するために企業が必要とする企業能力トップ5（決済を含む）
  • メタバースが組織にポジティブな影響を与える可能性が高いと考えるバンキング幹部の割合
• 北米
• 欧州
• アジア太平洋

第4章 生体認証決済

• 世界
• 米国
• 英国
• ドイツ
• アジア太平洋

第5章 車内決済

• 世界
• 中国

第6章 リアルタイム決済

• 世界
• 米国
• カナダ
• 欧州
• 英国
• ドイツ
• アジア太平洋
• 中国
• インド
• 韓国

第7章 中央銀行デジタル通貨

• 世界

第8章 音声ベース決済

• 世界
• 米国

第9章 バーチャルカード

• 世界
• 米国
• ドイツ
• アジア太平洋

第10章 Request to Pay (支払依頼)

• 世界
• 欧州
• アジア太平洋

"Innovative payment trends such as virtual cards, embedded finance, as well as biometric payments are forecasted to surge in the next few years:" new yStats.com report

Embedded payment methods and instant payments are steadily gaining momentum as preferred payment methods

The outbreak of the COVID-19 pandemic led to a shift in the way consumers and businesses globally made payments, increasing the dependence on newer payment methods such as BNPL, one-click payments, as well as real-time payments. Convenience and speed of transactions enabled by the various payment methods that fall under the umbrella of embedded finance have benefited both consumers and businesses. The market size of embedded finance is forecasted to see a double-digit CAGR from 2021 through 2026, reaching billions of euros by 2026, as stated in the yStats.com report. However, more than half of surveyed respondents globally expressed concerns about being charged the wrong amount when using embedded finance solutions, and some respondents indicated having limited knowledge about the concept as of April 2022. The growth of instant payments has also accelerated due to the shift towards digital payment methods. The market size of real-time payments is projected to see a double-digit CAGR from 2022 through 2028, reaching billions of euros by 2028. Large firms are modernizing their payment ecosystems to streamline instant transfers. As of July 2022, close to three-quarters of firms globally using real-time payment systems regarded their capabilities as highly important. In the U.S., instant payments are expected to see a double-digit CAGR between 2022 and 2026, with more than half of surveyed financial professionals identifying improved customer and vendor experience as the main benefit of the instant payment system. Despite the growth of instant payments, more than half of surveyed financial professionals in the U.S. identified lack of skills and priority given to other initiatives as the main challenges hindering instant payments as of June 2022. In Europe, the launch of SEPA has led to a change in payment infrastructure, enabling smooth functioning of credit transfers and direct debits in the EU. The adoption and usage of SEPA Instant varied across nations, with Luxembourg, Malta, and Italy having the highest share of respondents claiming access to SEPA Instant, while Greece had the lowest share, as per the yStats.com report.

Innovative consumer trends such as virtual cards, in-car payments, and voice-based payments are set to change the conventional nature of the payment market

With the number of connected vehicles in service globally on the rise and forecasted to witness a double-digit CAGR between 2023 and 2027, the demand for car-based payments among consumers and businesses is increasing. The number of in-car payments globally is forecasted to exceed one billion by 2026, according to data cited in the yStats.com publication. Stakeholders within the payment industry and OEMs are collaborating to expand the scope of in-car payments, including partnerships such as Visa and Mercedes. Virtual cards are another technology trend that has gained consumer appeal. The market size of virtual cards is forecasted to witness a double-digit CAGR between 2022 and 2026, reaching a value in the trillions of euros by 2026, while the number of virtual card transactions is projected to reach billions by 2027. Although more than one-third of online shoppers claimed to know about virtual cards but had never used them, while the share of online shoppers who claimed to know and have used virtual cards was less than one-third as of Q4 2021.

Table of Contents

1. Management Summary

2. Embedded Finance

2. 1. Global

• Overview of Embedded Finance Ecosystem, May 2023 (1 of 2)
• Overview of Embedded Finance Ecosystem, May 2023 (2 of 2)
• Embedded Finance Market Size, in USD billion, 2021 & 2026f
• Total Revenue Coming via Embedded Payments, in USD billion, 2023e & 2027f
• Share of Respondents Who Agree With the Following Statements When Using Embedded Payments, in % of Respondents, April 2022

2.2 North America

• 2.2.1. Regional
  • Breakdown of Respondents Who Heard About the Term "Embedded Payments", in %, April 2022
• 2.2.2. USA
  • Embedded Finance Transaction Value, in USD trillion, 2021 & 2026f
  • Embedded Consumer Payment Transaction Value, in USD trillion, 2021 & 2026f
  • Embedded Business-to-Business Payment Revenue, in USD billion, 2021 & 2026f
  • Revenues via Different Embedded Finance Segments, in USD billion, 2021 & 2026f
  • Select Embedded Finance Activities Performed, in % of Respondents, December 2021
  • Share of Respondents Who Agree With the Following Statements, in %, April 2022
• 2.2.3. Canada
  • Share of Respondents Who Agree With the Following Statements, in % of Respondents, April 2022

2.3 Europe

• 2.3.1. Regional
  • Share of Retailers Who Have Plans to Offer or Who Already Offer Embedded Finance Solutions, in % of Retailers, February 2022
  • Share of Retailers Offering Common Embedded Finance Solutions vs Those Who Will Offer Them by February 2023, in % of Retailers, February 2022 (1 of 2)
  • Share of Retailers Offering Common Embedded Finance Solutions vs Those Who Will Offer Them by February 2023, in % of Retailers, February 2022 (2 of 2)
  • Top Motivating Factors That Encourage Retailers to Offer Embedded Finance Solutions, in % of Retailers, February 2022
• 2.3.2. UK
  • Share of Adults Who Used Embedded Finance Services While Shopping Online During the Past 12 Months, in %, May 2022
  • Share of Adults Who Have Used Various Embedded Finance Services, in %, May 2022
  • Share of Adults Who Have Used Various Embedded Finance Services, by Age, in %, May 2022
  • Top Reasons for Not Using Embedded Finance, in % of Adults, May 2022
• 2.3.3. Germany
  • Share of Retailers Who Offer Embedded Finance Solutions, in %, February 2022
  • Share of Respondents Who Used Embedded Finance Products or Services, in %, August 2022

2.4 Asia-Pacific

• 2.4.1. Regional
  • Overview of Embedded Finance Ecosystem, May 2023

3. Payments in Metaverse

• 3.1. Global
  • Overview of Payments in Metaverse, February 2023
  • Share of Businesses Planning to Set Up Their Presence in Metaverse in 2023, in %, August 2022
  • Top 5 Corporate Capabilities Needed by Firms to Deliver Metaverse Strategy, incl. "Payments", in % of Senior Executives, April 2022
  • Share of Banking Executives Who Believe Metaverse is Likely to Have a Positive Impact on Their Organization, in %, 2022e

4. Biometric Payments

• 4.1. Global
  • Overview of Biometric Payment Market, May 2023 (1 of 2)
  • Overview of Biometric Payment Market, May 2023 (2 of 2)
  • Transaction Value of Biometrically Authenticated Remote Mobile Payments, in USD trillion, 2022 & 2027f
  • Share of Businesses That Believe Biometric Authentication and Identification Will be the Top Trend in 2023, in %, August 2022
  • Share of Respondents Agreeing That Biometrics Will be Widely Used by 2025 & Those Who Will Use it as Their Primary In-Person Payment Method, in %, 2025f
  • Top Recognition Methods In Terms of Safety, in % of Respondents and Share of Respondents Who Find Behavioral Biometrics More Secure, by Age, in %, March 2022
  • Share of Respondents Who Find Physical Biometrics More Secure, by Age, in %, March 2022
  • Breakdown of Adults Who Are Comfortable with Biometric IDs in Payments While Checkout, in %, June 2022
• 4.2. USA
  • Top Authentication Methods Used in the Past Month, incl. "Biometrics", in % of Respondents, October 2022
  • Top Authentication Methods Used and Preferred by Users in the Past Month, incl. "Biometrics", in % of Respondents, October 2022
  • Share of Respondents For Whom Invasion of Privacy is a Concern of Using Biometrics, in %, January 2022
• 4.3. UK
  • Share of Respondents Who Agree Biometrics Will be Widely Used for Payments, in %, 2025f
  • Top Biometric Methods Used by Respondents Regularly, in % of Respondents, February 2022
• 4.4. Germany
  • Share of Respondents for Whom Biometric Methods Are User-Friendly, in %, June 2022
  • Top Authentication Methods That Are Safe and Secure, in % of Respondents, June 2022
  • Top Uses of Biometric Methods, in % of Respondents, June 2022
  • Top Uses of Biometric Methods That Go Beyond Banking, incl. "Payment via Biometric Card", in % of Respondents, June 2022
  • Top Concerns Users of Biometric Methods Have, in % of Respondents, June 2022
  • Breakdown of Top Payment Method Used At Point of Sale, in % of Respondents, June 2022
• 4.5. Asia-Pacific
  • 4.5.1. Regional
    • Overview of Biometric Payment Market, May 2023
    • Share of Respondents Using Biometrics More Frequently in the Last Year, in %, April 2022
    • Top Reasons For Using Biometric Methods Such as Fingerprint or Facial Recognition, in % of Respondents, April 2022

5. In-Car Payments

• 5.1. Global
  • Overview of In-Car Payments, February 2023
  • Number of Connected Vehicles in Services, in millions, 2023e & 2027f
  • Share of Potential Users Who Believe In-Car Payment to Be Key Competitive Advantage of Manufacturers, by Selected Countries, in %, February 2022
• 5.2. China
  • Share of Respondents Who Are Open to Using Digital Payments From Car, in %, February 2022

6. Real-Time Payments

• 6.1. Global
  • Real-Time Payment Market Overview and Developments, January 2023
  • Share of Large Firms Using Real-Time Payments and That Consider the Capability Highly Important, in %, July 2022
  • Share of Companies That Plan to Expand Their RTP Capabilities in the Next 12 Months or Are Already Doing So, in %, July 2022
  • Share of Companies Viewing Real-Time Payments As Important for Receiving Payments, by Revenue, in %, July 2022
• 6.2. USA
  • Total Number of Real-Time Transactions, in billions, 2022 & 2027f
  • Top Business Outcomes Enabled by Real-Time Payments, in % of Financial Professionals, June 2022
  • Top Challenges That Financial Professionals Face While Introducing Real-Time Payments, in % of Financial Professionals, June 2022
• 6.3. Canada
  • Breakdown of Transaction Volume, by Payments Instrument, in % of Total Payment Transaction Volume, 2022 vs 2027f
  • Breakdown of Spending Value, by Payments Instrument, in % of Total Payment Spending Value, 2022 vs 2027f
• 6.4. Europe
  • 6.4.1. Regional
    • Share of SEPA Instant Credit Transfer Volume, in % of All SEPA Credit Transfer, Q4 2021-Q3 2022
    • Share of Respondents That Have Access to Instant Payments, by Country, in %, June 2022 (1 of 3)
    • Share of Respondents That Have Access to Instant Payments, by Country, in %, June 2022 (2 of 3)
    • Share of Respondents That Have Access to Instant Payments, by Country, in %, June 2022 (3 of 3)
  • 6.4.2. UK
    • Total Payment Volume, by Type of Payment Instrument, incl. "Real-Time Payments", in millions, 2031f
  • 6.4.3. Germany
    • Total Number of Real-Time Transactions, in billions, 2021 & 2026f
• 6.5. Asia-Pacific
  • 6.5.1. China
    • Total Number of Real-Time Transactions, in billions, 2022 & 2027f
  • 6.5.2. India
    • Total Number of Real-Time Transactions, in billions, 2022 & 2027f
    • Volume of UPI-Based Real-Time Payment Transactions, in billions, January - June 2022
    • Total Value of Transactions via UPI, in INR billion, January - June 2022
  • 6.5.3. South Korea
    • Total Number of Real-Time Transactions, in billions, 2022 & 2027f

7. Central Bank Digital Currency

• 7.1. Global
  • Overview of Central Bank Digital Currencies, February 2023
  • Share of Central Banks Engaging in Work Related to Central Bank Digital Currencies, in % of Central Banks, 2019-2021
  • Top 10 Retail CBDC Projects in Terms of Retail CBDC Index, by Countries, in Absolute Numbers, April 2022
  • Top 10 Wholesale CBDC Projects in Terms of Wholesale CBDC Index, by Countries, in Absolute Numbers, April 2022
  • Share of Progress Status of the CBDC Projects Across 114 Countries, in % of CBDC Projects, December 2022
  • Top Characteristics That CBDC and Existing Payment Instruments Have in Common, 2022
  • Share of Developed Countries Exploring the Concept of CBDC, in %, 2022e
  • Share of Developing Countries Exploring the Concept of CBDC, in %, 2022e

8. Voice-based Payments

• 8.1. Global
  • Overview of Voice-Based Payments Market, February 2023
• 8.2. USA
  • Number of Voice Assistant Users, in millions, & % of Population, 2022-2026f
  • Voice Assistant User Penetration, by Age, in % of Population, 2022e
  • Share of Respondents Using Voice Assistants to Make E-Commerce Purchases, in %, May 2022
  • Share of Respondents Making Online Payments Using Voice Activated Technologies, in %, May 2022

9. Virtual Cards

• 9.1. Global
  • Overview of Virtual Cards Market, May 2023 (1 of 2)
  • Overview of Virtual Cards Market, May 2023 (2 of 2)
  • Virtual Cards Market Size, in USD trillion, 2022 & 2026f
  • Number of Virtual Card Transactions via Mobile Payment Methods, in billions, 2022 & 2027f
  • Breakdown of Online Shoppers Who Heard or Used Virtual Cards While Shopping Online, in %, Q4 2021
  • Breakdown of Finance Leaders Who Have Refused Payments From a Customer Using Virtual Cards, in %, October 2022
  • Top Benefits of Using Virtual Cards Among Finance Leaders, in % of Finance Leaders, October 2022
  • Top Obstacles While Introducing Virtual Cards as per Finance Leaders, in % of Finance Leaders, October 2022
• 9.2. USA
  • Top Reasons For Using Virtual Cards During Online Shopping, in % of Online Shoppers, Q4 2021
  • Breakdown of Online Shoppers Who Heard of or Used Virtual Cards While Online Shopping, by Age, in %, Q4 2021
• 9.3. Germany
  • Share of Online Shoppers Who Would Rather Make Their Future Online Purchase With Virtual Cards, by Age, in %, Q4 2021
• 9.4. Asia-Pacific
  • 9.4.1. Regional
    • Overview of Virtual Card Market, May 2023

10. Request to pay

• 10.1. Global
  • Overview of Request to Pay Market, May 2023
  • Share of Industry Stakeholders Who View Request to Pay as a Good Alternative to Direct Debits, in %, 2021
  • Share of Industry Stakeholders Who Expect Request to Pay to Reduce Merchant Dependency on Payment Cards, in %, 2021
  • Share of Industry Stakeholders Who Believe Bank Readiness to Be the Key Roadblock Impacting the Adoption of Request to Pay, in %, 2021
  • Share of Industry Stakeholders Who Saw the Highest Demand for Request to Pay Services from Large Corporate Companies, in %, 2021
• 10.2. Europe
  • 10.2.1. Regional
    • Breakdown of Payment Professionals and Corporate Treasurers Awareness of Pan-European Request to Pay Process, in %, February 2021
    • Breakdown of Payment Professionals and Corporate Treasurers Knowledge of National Request to Pay Concepts, in %, February 2021
    • Breakdown of Payment Professionals and Corporate Treasurers Usage of National Request to Pay Concepts, in %, February 2021
    • Breakdown of Payment Professionals and Corporate Treasurers General Interest in Using Request to Pay Concepts, in %, February 2021
    • Breakdown of Payment Professionals and Corporate Treasurers General Attitude Towards Importance of a Europe-Wide Uniform Mode of Operation for Request to Pay Concepts, in %, February 2021
    • Breakdown of Payment Professionals and Corporate Treasurers Interest in Using Request to Pay at a Cross-Border Level Within Europe, in %, February 2021
    • Breakdown of Payment Professionals and Corporate Treasurers Attitude Towards the Use of Request to Pay in Online Commerce vs POS/POI, in %, February 2021
• 10.3. Asia-Pacific
  • 10.3.1. Regional
    • Overview of Request to Pay Market, May 2023