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2022年の世界のB2B決済動向

Global B2B Payment Trends 2022

出版日: | 発行: yStats.com | ページ情報: 英文 82 Pages | 納期: 即日から翌営業日

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=152.41円
2022年の世界のB2B決済動向
出版日: 2022年09月20日
発行: yStats.com
ページ情報: 英文 82 Pages
納期: 即日から翌営業日
  • 全表示
  • 概要
  • 目次
概要

パンデミックによって加速するデジタルチャネルの利用拡大を踏まえ、B2B決済の収益は2020年から2030年の間に1桁台のCAGRで成長する見通しです。世界中のB2Bバイヤーのほとんどがクレジットカードを支持しており、次いで小切手、発注書の順となっています。米国では、より近代的な決済方法が採用されるにつれて、現金と小切手のB2B決済シェアは若干減少していますが、伝統的な決済の価値は革新的な形態よりも依然として高いままとなっています。

AI・ブロックチェーン・自動化などの新たな動向に伴い、B2B顧客の期待値も変化しています。企業の買い手は現在、データの透明性、キャッシュプーリング、銀行ポータル経由の企業間接続、さらに銀行口座開設プロセスの合理化といった付加価値の高いソリューションを求めています。同時に、B2B販売企業は会計業務の自動化に取り組んでおり、B2B回答者の大多数は、2021年時点で会計業務を推進するためにITの利用を拡大する予定だと回答しています。B2B決済市場の近代化に向けてこのような取り組みが行われていますが、B2B企業はベンダーへの支払いやベンダーからの支払いの受領に関して、依然として課題を抱えています。

当レポートでは、世界のB2B決済市場の最新動向と将来展望について分析し、昨今の世界市場の主な傾向や、業界が直面している課題と機会、今後の市場動向の見通し、地域別・主要国の詳細動向、といった情報を取りまとめてお届けいたします。

目次

第1章 経営の概要

第2章 世界展開

  • B2B決済の概要と動向 (2022年8月)
  • 総決済収益:種類別 (単位:1兆米ドル、2020年・2025年・2030年)
  • ホールセール決済の収益 (単位:10億米ドル):一次・二次決済別の内訳 (2020年・2025年・2030年)
  • クロスボーダー決済取引額:B2B・B2C・C2B・C2C別 (単位:1兆米ドル、2020年~2022年)
  • クロスボーダーB2B決済取引額 (単位:1兆米ドル、2021年・2026年)
  • クロスボーダーB2B決済取引額に占める電信送金の割合 (2021年・2026年)
  • B2Bバイヤーが要求する上位の支払いオプション:B2Bバイヤーの割合 (2021年)
  • 企業が今後12か月以内に使用を増やす予定の上位の支払いオプション:企業の割合 (2021年7月)
  • 購入プロセス中にB2B購入者が直面する課題:B2B購入者の割合 (2021年8月)
  • B2Bスペシャリストによる、B2B eコマース技術への上位投資;回答者の割合 (2022年)
  • 金融機関が法人顧客に提供する上位のデジタルソリューション:金融機関の割合 (2021年)
  • B2Bクライアントがサプライヤーに支払いを行う際の主な問題領域:金融機関別 (金融機関の割合、2021年)
  • ベンダーへの支払い時に経験した、主な買掛金の問題 (ビジネス回答者の割合、2021年7月)
  • ベンダーから支払いを受け取る際に発生した、主な売掛金の問題 (ビジネス回答者の割合、2021年7月)
  • B2B債権の延滞率が高い企業の割合:企業規模別 (B2B債権の割合、2021年)
  • 技術の欠如が大きな課題である、と答えた企業財務部門の回答者:回答者の割合 (2021年5月)
  • 新技術の実装に関連する主な課題:企業財務部門の回答者の割合 (2021年5月)
  • 重大な支払い詐欺を報告したB2B企業の割合 (2021年7月)
  • B2B決済ソリューションが銀行選択にとって非常に重要である、と示した企業の割合 (2021年)
  • B2B顧客が特定のデジタル通貨を使用できるようにしている金融機関の割合 (2021年)
  • 暗号通貨へのアクセスを拡大して提供することを計画している金融機関の割合 (2022年)

第3章 アジア太平洋

  • 中国
  • 日本
  • インド
  • オーストラリア

第4章 北米

  • 米国
  • カナダ

第5章 欧州

  • 域内
  • 英国
  • ドイツ
  • イタリア
  • ロシア

第6章 ラテンアメリカ

目次
Product Code: 1587

“B2B payment market is forecasted to see a modest CAGR between 2020 to 2030: new yStats.com report.”

The B2B payment market continues to grow, with traditional payment methods still leading

In light of the increasing use of digital channels, accelerated by the pandemic, B2B payments revenue is forecasted to witness a single-digit CAGR between 2020 and 2030, as stated in the new yStats.com report. B2B payments are also seeing a significant growth within the cross-border payment market, with the forecasted values reaching a figure in the trillions of euros by 2026. Moreover, payment systems are expected to be one of the top B2B E-Commerce technology investment areas in the year 2022. In terms of the most demanded payment options, most of the B2B buyers globally were in favor of credit cards, followed by checks, and purchase orders. Although there has been a growing interest towards more digitalized and innovative B2B payment methods, for more than one-third businesses checks remained a popular B2B payment method in countries such as the U.S, as spelled out in the new yStats.com report. Although the B2B payment share of cash and check in the U.S. has declined slightly as more modern payment methods are adopted, the value of the traditional payments is still higher than the innovative forms.

Technology trends such as AI, block chain, and virtual cards are transforming the B2B payment ecosystem

With emerging trends such as AI, block chain, automation, and others, the expectations of B2B customers are also changing. Corporate buyer are now looking for value-added solutions such as data transparency, cash pooling, corporate-to-bank connectivity via bank portals as well as streamlined processes to open a bank account, as mentioned in the new yStats.com publication. At the same time, B2B sellers are taking initiatives to embrace automation in their accounting tasks, with a majority of B2B respondents planning to increase the use of technology to drive their accounting operations as of 2021. Despite these steps being taken towards modernizing the B2B payments market, B2B firms still experience challenges when it comes to paying vendors and receiving payments from them. Invoice reconciliation, working capital management, slow underwriting, and inability to offer supplier portals were named as major obstacles faced by corporates while making payments to their suppliers in 2021.

Table of Contents

1. Management Summary

2. Global Developments

      • B2B Payment Overview and Trends, August 2022
      • Total Payment Revenue, by Type, in USD trillion, 2020, 2025f, & 2030f
      • Wholesale Payments Revenue, in USD billion, and Breakdown by Primary and Secondary, in %, 2020, 2025f, & 2030f
      • Cross-Border Payment Transaction Value, by B2B, B2C, C2B and C2C, in USD trillion, 2020-2022f
      • Cross-Border B2B Payment Transaction Value, in USD trillion, 2021e & 2026f
      • Share of Wire Transfer Payments, in % of Cross-Border B2B Payment Transaction Value, 2021e & 2026f
      • Top Payment Options Demanded by B2B Buyers, in % of B2B Buyers, 2021e
      • Top Payment Options That Corporates Would Plan to Increase Using in the Next 12 Months, in % of Firms, July 2021
      • Challenges Faced by B2B Buyers During the Buying Process, in % of B2B Buyers, August 2021
      • Top B2B E-Commerce Technology Investments for 2022 According to B2B Specialists, in % of Respondents, 2022e
      • Top Digital Solutions That Financial Institutions Offer to Their Corporate Clients, in % of Financial Institutions, 2021
      • Top Problem Areas for B2B Clients When Making Payments to Their Suppliers According to Financial Institutions, in % of Financial Institutions, 2021
      • Top Accounts Payable Challenges Experienced When Paying Vendors, in % Business Respondents, July 2021
      • Top Accounts Receivable Challenges Experienced When Receiving Payments From Vendors, in % of Business Respondents, July 2021
      • Share of Firms Having a High Percentage of Overdue B2B Receivables, by Firm Size, in % of B2B Receivables, 2021e
      • Share of Corporate Treasury Respondents for Whom Lack of Technology is a Major Challenge, in %, May 2021
      • Top Challenges for Corporate Treasury Respondents Related to Implementing New Technology, in % of Respondents, May 2021
      • Share of B2B Firms That Reported Serious Payment Fraud, in %, July 2021
      • Share of Corporates That Indicate B2B Payment Solutions Are Very Important for Bank Selection, in %, 2021
      • Share of Financial Institutions That Allow Their B2B Customers to Use Selected Digital Currencies, in %, 2021e
      • Share of Financial Institutions That Plan to Expand And Provide Access to Cryptocurrency, in %, 2022e

3. Asia-Pacific

  • 3.1. China
      • Share of B2B Sales Made on Credit, in %, 2021 & 2022e
      • Breakdown of Reasons Why Businesses Offered More Credit to B2B Customers over the Past 12 Months, in % of Respondents, 2021
      • Breakdown of Outlook Related to Trading on Credit With B2B Customers Over the Next 12 Months, in % of Respondents, 2021
  • 3.2. Japan
      • Share of Small And Medium Sized Enterprises That Introduced Cashless Payments, by B2C SMEs and B2B SMEs, in %, Q1 2021
      • Share of Small And Medium Sized Enterprises That Introduced Credit Card Payment, by B2C SMEs and B2B SMEs, in %, Q1 2021
      • Top Reasons Why SMEs Do Not Use Card Payments For Business, in % of SME, 2021e
  • 3.3. India
      • Share of B2B Sales Made on Credit, in %, 2021 & 2022e
      • Breakdown of Reasons Why Businesses Offered More Credit to B2B Customers over the Past 12 Months, in % of Respondents, 2021
      • Share of B2B Sellers Considering Speed and Ability To Track Payment As the Main Benefit of Digital Payments, in %, 2021
  • 3.4. Australia
      • Share of Businesses That Attracted New Customers When They Offered BNPL as a B2B Payment Method, in %, 2021

4. North America

  • 4.1. USA
      • B2B Payments Value, in USD trillion, and Year-on-Year Change, in %, 2019-2022e
      • Top Payment Methods Accepted by B2B Companies, in % of B2B Companies, August 2021
      • B2B Payment Transaction Value, by Payment Method, in USD billion, 2019-2022f
      • Share of B2B Payments Made via Checks, in %, 2021
      • Breakdown of B2B Companies' Plans Relating to Their Acceptance Cryptocurrency as a Payment Method, in %, August 2021
      • Breakdown of B2B Companies' Interest in Accepting Cryptocurrency as a Payment Method, in %, August 2021
      • Top Decision Factors for B2B Companies That Will Make Them Accept Cryptocurrency as a Payment Method, in % of B2B Companies, August 2021
      • Breakdown of B2B Companies' Plans to Accept Virtual Cards, in %, August 2021
      • Top Decision Factors for B2B Companies That Will Make Them Accept Virtual Cards as a Payment Method, in % of B2B Companies, August 2021
      • Share of B2B Payments Made And Received Using Real-time Payments, by Firm Size, in %, 2021
      • Top Benefits Associated With The Adoption of Real-time Payments, in % B2B Firms, 2021
      • Top Pain Points That B2B Firms Experience Using Real-time Payments, in % of B2B Firms, 2021
  • 4.2. Canada
      • Challenges That Could be Caused by Real-Time Payments According to B2B Businesses, in % of B2B Businesses, 2021
      • Share of B2B Sales Made on Credit, in %, 2021 & 2022e
      • Share of B2B Invoices That Were Paid On-time, Late, And That Became Bad Debts, in %, 2022e

5. Europe

  • 5.1. Regional
      • Share of B2B Sales Made on Credit, by Business Size and Business sector, in %, Q3 2021
      • Breakdown of Change in Proportion of B2B Sales on Credit, in % of Respondents, Q3 2021
      • Breakdown of Reasons Why Businesses Offered More Trade Credit to B2B Customers over Past 12 Months, in % of Respondents, Q3 2021
  • 5.2. UK
      • Domestic Payment Methods Preferred by Businesses, in % Businesses, November 2021
      • Top Domestic Payment Issues That Businesses Face, in % Businesses, November 2021
      • Cross-border Payment Methods Preferred by Businesses, in % Businesses, November 2021
      • Top Cross-border Payment Issues That Businesses Face, in % Businesses, November 2021
      • Traditional B2B Payment Options Used by Businesses, in %, November 2021
      • Share of Businesses Using Modern B2B Payment Options, in %, November 2021
  • 5.3. Germany
      • Top 5 Payment Methods in B2B vs. B2C E-Commerce, September 2021
  • 5.4. Italy
      • Payment Methods Used in B2B Payments, in % of Large Businesses and SMEs, 2021
      • Share of B2B Companies Thinking of Adopting Innovative Payment Methods, by Large Businesses and SMEs, in %, 2021
      • Share of B2B Companies That Activated Digital Channels to Manage Orders and Transactions, in % of Companies, 2021
  • 5.5. Russia
      • Card Payments Made by Businesses*, incl. Number of Cards Used, in millions, Number of Transactions, in millions, and Value of Transactions, in RUB billion, by Type of Transaction, 2019 - 2021 & Q1 2022

6. Latin America

  • 6.1. Regional
      • Commercial Credit Card Spending, in USD billion, by Card Type, 2021-2026f