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オンライン決済手段の世界市場 (2020年):新型コロナウイルス感染症 (Covid-19) の影響

Global Online Payment Methods 2020 and COVID-19's Impact

発行 yStats.com GmbH & Co. KG 商品コード 943036
出版日 ページ情報 英文 197 Pages/Charts
納期: 即日から翌営業日
価格
本日の銀行送金レート: 1USD=108.31円で換算しております。
オンライン決済手段の世界市場 (2020年):新型コロナウイルス感染症 (Covid-19) の影響 Global Online Payment Methods 2020 and COVID-19's Impact
出版日: 2020年06月17日 ページ情報: 英文 197 Pages/Charts
概要

新型コロナウイルス感染症 (Covid-19) の発生により、消費者の支払い行動は変化しています。 世界の買い物客のほぼ50%が、感染拡大以前よりもデジタル決済を使うようになり、大半のプランがウイルスが封じ込められた後も引き続き使用されています。eウォレットや非接触カードは、消費者がより少ない現金を使用してオンラインでより多くの購入を行うため、この変更の恩恵を最も多く受けている決済手段です。 調査回答者の4分の3近くが、非接触型の方が支払い方法がきれいであると回答しています。

パンデミックの中での電子商取引の支払い方法は国別異なります

当レポートでは、世界のオンライン決済の市場構造と動向見通しについて分析し、オンライン/モバイル決済の普及率や、現在の決済件数・金額の動向、各種手段の選択状況、消費者側の見解、地域別・主要国の詳細動向や最新情勢などを調査すると共に、新型コロナウイルス感染症 (Covid-19) の感染拡大に伴う情勢の変化についても考察しております。

分析対象地域

アジア太平洋地域、欧州、北米、ラテンアメリカ、中東・アフリカ

本文中で言及された企業

Alphabet Inc、Amazon.com Inc.、Ant Financial Services、Apple Pay Inc、Facebook Inc、Go-Jek、Grab Holdings Inc、Kakao Corp.、LINE Corp.、Mastercard Inc、MercadLibre Inc、Naver Corp.、PayPal Holdings Inc、PayPay、Paytm E-Commerce Pvt Ltd、PS Yandex Money LLC、楽天、Samsung Electronics Co. Ltd.、Tencent Holdings Ltd、Visa Inc.

目次

第1章 分析概要

第2章 世界市場の動向

  • Covid-19のオンライン/モバイル決済への影響
  • Covid-19の決済業者への影響
  • Covid-19が決済収益に及ぼす影響:決済収益額、Covid-19以前の予測、Covid-19以降の収益額の予測
  • デジタル商取引・決済の支出額:Covid-19以後の予測
  • Covid-19に伴い、デジタル決済の利用を増やそうと検討している消費者の比率
  • デジタル決済の金額:総決済額に占める比率 - Covid-19以前/以降の予測
  • 感染拡大中にオンラインショッピングで最も多用された決済手段
  • 感染拡大中にオンラインショッピングで初めて利用した決済手段:ショッピング客に占める比率、主要国の場合
  • オンラインショッピングでの決済手段の選択基準 - 感染拡大以降に重要度の増したもの、ショッピング客に占める比率、主要国の場合
  • 希望の決済手段が提供されなかったため、オンラインショッピングを中断したショッピング客の比率
  • 非接触型決済を清潔度の高い決済手段だと考えている回答者の比率
  • 近接モバイル決済のユーザー浸透状況:スマートフォンユーザーに占める比率、主要国の場合
  • モバイルマネー統計の概要:ライブサービスの件数、登録アカウント数、アクティブアカウント数、決済件数、決済金額、対前年成長率など

第3章 アジア太平洋地域

  • 地域全体
  • 先進国市場
    • 日本
    • 韓国
    • オーストラリア
    • シンガポール
  • 新興国市場
    • 中国
    • インド
    • インドネシア
    • タイ
    • マレーシア

第4章 欧州

  • 地域全体
  • 先進国市場
    • 英国
    • ドイツ
    • フランス
    • スペイン
    • イタリア
  • 新興国市場
    • ロシア
    • ポーランド
    • トルコ
    • チェコ共和国

第5章 北米

  • 地域全体
  • 米国
  • カナダ

第6章 ラテンアメリカ

  • 地域全体
  • ブラジル
  • メキシコ
  • アルゼンチン
  • コロンビア
  • チリ

第7章 中東・アフリカ

  • 地域全体
  • アラブ首長国連邦 (UAE)
  • サウジアラビア
  • イスラエル
  • 南アフリカ
  • エジプト
  • ケニア
目次
Product Code: 1483

"Digital payment transactions grow during the Coronavirus pandemic."

Digital payment method adoption grows during the COVID-19 outbreak

Consumers' payment behavior is changing as a result of the coronavirus outbreak, according to the yStats.com report. Nearly 50% of global shoppers were using digital payments more than before the pandemic, and the majority plan continue doing so after the virus is contained. E-Wallets and contactless cards are the top payment methods benefitting from this change, as consumers use less cash and make more purchases online. In an international survey cited in the yStats.com report, close to three-quarters of respondents found that contactless was a cleaner way to pay.

E-Commerce payment choices amid the pandemic differ by country

When purchasing on E-Commerce websites during the pandemic, global consumers mainly use credit cards and digital wallets, although there is also strong variation in the way shoppers in different countries pay online. For example, more than two-thirds of digital buyers in Canada chose to pay by credit card when shopping online during the outbreak, while UK's buyers preferred debit cards and those in Italy opted for digital wallets like PayPal. Payment security was the top criterion applied by online shoppers when selecting their top payment method, according to an April 2020 survey cited by yStats.com.

Covered Regions:

Asia-Pacific, Europe, North America, Latin America, Middle East & Africa.

Companies Mentioned:

Alphabet Inc, Amazon.com Inc., Ant Financial Services, Apple Pay Inc, Facebook Inc, Go-Jek, Grab Holdings Inc, Kakao Corp., LINE Corp., Mastercard Inc, MercadoLibre Inc, Naver Corp., PayPal Holdings Inc, PayPay Corp., Paytm E-Commerce Pvt Ltd, PS Yandex Money LLC, Rakuten Inc, Samsung Electronics Co. Ltd., Tencent Holdings Ltd, Visa Inc.

Table of Contents

1. Management Summary

2. Global Developments

  • COVID-19 Impact on Online & Mobile Payment, May 2020
  • COVID-19 Impact on Payment Providers, June 2020
  • The Impact of COVID-19 on Payments Revenues, incl. Payments Revenues in 2019, Pre-COVID-19 Forecast, and Payments Revenues Forecast Under The Impact of COVID-19, in USD billion, 2020
  • Post-COVID-19 Forecast for Digital Commerce & Payments Spending, in USD trillion, 2020f & 2021f Compared to 2019
  • Share of Consumers Who Plan to Increase Their Usage of Digital Payments Due To COVID-19, in %, by During COVID-19 and In The Next 6-9 Months, April 2020
  • Digital Transactions Share of Total Payment Transaction Value, 2025f, by Estimate Before COVID-19 and After
  • Payment Methods Most Used When Shopping Online During The Pandemic, in % of Online Shoppers, by Selected Countries, April 2020
  • Payment Methods Used For the First Time When Shopping Online During The Pandemic, in % of Online Shoppers, by Selected Countries, April 2020
  • Criteria for Choosing a Payment Method in Online Shopping Which Became More Important Since The Pandemic Outbreak, in % of Online Shoppers, by Selected Countries, April 2020
  • Share of Online Shoppers Who Had Abandoned a Shopping Cart Due to Their Preferred Payment Method Not Being Offered, in %, January 2019
  • Share of Respondents Who View Contactless as a Cleaner Way to Pay, in %, April 2020
  • Proximity Mobile Payment User Penetration, in % of Smartphone Users, by Selected Countries, 2019e
  • Overview of Mobile Money Statistics, incl. Number of Live Services, Registered Accounts, in millions, Active Accounts, in millions, Transaction Volume in millions, and Transaction Value, in USD billion, and Year-on-Year Growth, in %, by Region, 2019

3. Asia-Pacific

  • 3.1. Regional
    • COVID-19 Impact on Online & Mobile Payments, June 2020
    • Venture Financing Deals in The Payments Industry, Compared to Other Regions Worldwide, and Breakdown of Deals by Country, in %, Q1 2020
    • Digital Wallets' Share of E-Commerce and In-Store Sales, in %, 2019
  • 3.2. Advanced Markets
    • 3.2.1. Japan
      • Online Payment Services Market Revenues, in JPY billion, and Year-on-Year Change, in %, FY 2016 - FY 2023f
      • Payment Methods Used in E-Commerce, in % of Online Shoppers, November 2019
      • Actions Taken When The Preferred Payment Method is Not Offered, in % of Online Shoppers, November 2019
      • Mobile Payment User Penetration, by QR Code Payment and Contactless Payment, in % of Internet Users, January 2020
      • QR Code Mobile Payment Services, by All Used and Most Used, in % of QR Code Mobile Payment Users, January 2020
      • Number of PayPay Users, in millions, August 2019, October 2019, December 2019, February 2020 & April 2020
    • 3.2.2. South Korea
      • Breakdown of Payment Methods Used in E-Commerce, in % of Adults, 2019
      • Mobile Payment User Penetration, in % of Adults, by Age Group, 2019
      • Top Mobile Payment Services by Number of Users, in millions, December 2019
    • 3.2.3. Australia
      • Digital Wallet Transactions, by Number, in millions, and Value, in AUD million, February 2020 & March 2020
      • Breakdown of Card Payments, by Remote and In-Person, in %, June 2019
      • Digital Payment User Penetration, by Type, in % of Individuals, December 2018 & December 2019
      • Awareness and Usage of Buy Now Pay Later Payment Methods, in %, December 2018 & December 2019
      • Usage of Selected Buy Now Pay Later Services, in % of Individuals, December 2018 & December 2019
      • Usage of Selected Online Payment Services, in % of Individuals, December 2018 & December 2019
      • Usage of Selected Mobile Payment Services, in % of Individuals, December 2018 & December 2019
    • 3.2.4. Singapore
      • E-Commerce Payments Value, in SGD billion, 2019 & 2020f
      • Payment Methods Used in E-Commerce, in % of Online Shoppers, 2019
      • QR Code Mobile Payment Usage, in % of Individuals, by Age Group, 2019
  • 3.3. Emerging Markets
    • 3.3.1. China
      • Share of Consumers Who Plan to Increase Their Usage of Digital Payments In the Next 6-9 Months Due To COVID-19 Outbreak, in %, Compared to Global Average, April 2020
      • E-Commerce Payments Value, in CNY trillion, 2019 & 2023f, by Pre-COVID-19 Forecast (December 2019) and Post-COVID-19 Forecast (April 2020)
      • Breakdown of Payment Methods in E-Commerce by Payment Value, in %, 2019e
      • Third-Party Mobile Payment Transaction Value, in CNY trillion, and Year-on-Year Change, Q1 2019 - Q1 2020
      • Breakdown of Third-Party Mobile Payment, by Type, in %, Q1 2019 - Q1 2020
      • Third-Party Mobile Payment Transaction Value, in CNY trillion, and Year-on-Year Change, 2018-2022f
      • Number of Mobile Payment Users, in millions, and Penetration, in % of Mobile Internet Users, 2014 - 2018 & June 2019
      • Number of Online Payment Users, in millions, and Penetration, in % of Internet Users, 2014 - 2018 & June 2019
      • Digital Wallets' Share of E-Commerce and In-Store Sales, in %, 2019
      • Breakdown of Third-Party Mobile Payment GMV by Players, in %, Q2 2019
      • Selected Leading Mobile Wallet Apps Used, in % of Internet Users, July 2019
    • 3.3.2. India
      • Share of Consumers Who Plan to Increase Their Usage of Digital Payments In the Next 6-9 Months Due To COVID-19 Outbreak, in %, Compared to Global Average, April 2020
      • Change in Usage of Selected Payment Methods Amid the COVID-19 Outbreak, by Usage in the Past Month and in the Next 6 Months, in % of Consumers, April 2020
      • E-Commerce Payments Value, in USD billion, 2019e-2023f
      • Breakdown of E-Commerce Payment Value by Payment Methods, in %, 2019e
      • Mobile Wallet Payment Transaction Value, in INR trillion, 2018 & 2019e
      • Mobile Wallet Apps Used, in % of Internet Users, July 2019
    • 3.3.3. Indonesia
      • E-Commerce Payments Value, in IDR trillion, 2018-2023f
      • Breakdown of Payment Methods in E-Commerce by Payment Value, in %, 2018 & 2019
      • Payment Methods Preferred in E-Commerce, in % of Online Shoppers, H1 2019
      • Top 3 Digital Wallet Apps Used, in % of Digital Wallet App Users, by Age Group, April 2019
      • Proximity Mobile Payment User Penetration, in % of Smartphone Users, 2019e
    • 3.3.4. Thailand
      • Breakdown of Expected Change in Payment Methods Post-COVID-19 Pandemic, in %, April 2020
      • Number of Daily Payments via PromptPay, in millions, March 2019 & March 2020
    • 3.3.5. Malaysia
      • Number of Digital Wallet Accounts, in millions, and Year-on-Year Change, October 2019 - March 2020
      • Breakdown of Mobile Wallet Adoption, in % of Respondents, 2019
      • Breakdown of Mobile Wallets Owned, in % of Mobile Wallet Owners, 2019

4. Europe

  • 4.1. Regional
    • COVID-19 Impact on Online & Mobile Payment, June 2020
    • Payment Revenues Breakdown, by Segment, in %, 2019e, and Expected Impact of COVID-19, 2020f
    • Breakdown of Preferred Payment Methods, by In-Store and Online, in % of Consumers, September 2019
    • Breakdown of Payment Methods Preferred in E-Commerce, in % of Online Shoppers, by Selected Countries, Spring 2019
    • Share of Consumers Who Would Cancel Their Online Purchase and Buy Elsewhere if Faced with PSD2 Authentication Requirements, in %, by Germany, France, Spain, the UK and Total, October 2019
    • Recommended Measures to Mitigate Conversion Risks Due to SCA in E-Commerce, March 2019
    • Mobile Payment User Penetration, in % of Adults, 2019
    • Proximity Mobile Payment User Penetration, in % of Smartphone Users, by Selected Countries, 2019e
  • 4.2. Advanced Markets
    • 4.2.1. UK
      • E-Commerce Payment Methods Most Used And Used For The First Time During The COVID-19 Outbreak, in % of Online Shoppers, April 2020
      • Breakdown of Online Shoppers by Perceiving Security or Convenience as the Most Important Factor When Paying for Something Online, in %, June 2019
      • Breakdown of Usage Rates of "Buy Now, Pay Later Options" at Checkout During The Previous Five Years, in % of Consumers, October 2019
      • Contactless Payment User Penetration for Payments Under GBP 30, in % of Consumers, by Contactless Cards and Mobile Payment, in %, 2017 & 2019
      • Proximity Mobile Payment Users, in millions, and Penetration, in % of Smartphone Users, 2018 - 2023f
      • Share of Internet Users Who Would Be Willing to Make a Payment Using a Wearable Device Like a Ring or a Bracelet, in %, January 2019
    • 4.2.2. Germany
      • E-Commerce Payment Methods Most Used And Used For The First Time During The COVID-19 Outbreak, in % of Online Shoppers, April 2020
      • Consumer Attitudes to Using Cash and Contactless Payments During COVID-19 Outbreak, in %, April 2020
      • Payment Methods Known and Used in E-Commerce, in % of Online Shoppers, October 2019
      • Top 10 Factors Considered When Choosing a Payment Method in E-Commerce, in % of Online Shoppers, October 2019
      • Mobile Payment User Penetration, in % of Individuals, 2017-2019
      • Breakdown of Mobile Payment Services Used, in % of Mobile Payment Users, March 2019
    • 4.2.3. France
      • Breakdown of Payment Methods Preferred in E-Commerce, in % of Online Shoppers, Spring 2019
      • Breakdown of Online Shoppers by Perceiving Security or Convenience as the Most Important Factor When Paying for Something Online, in %, June 2019
      • Innovative Payment Methods Used by Internet Users, in % of Internet Users, January 2020
      • Perception of Innovative Payment Methods, in % of Internet Users, January 2020
    • 4.2.4. Spain
      • Payment Methods Used in E-Commerce, in % of Online Shoppers, 2018 & 2019
      • Breakdown of Factors Most Important in Online Payment Methods, in % of Online Shoppers, October 2019
      • Mobile Payment User Penetration, in % of Consumers, April 2019
    • 4.2.5. Italy
      • E-Commerce Payment Methods Most Used And Used For The First Time During the COVID-19 Outbreak, in % of Online Shoppers, April 2020
      • Share of Consumers Who Plan to Increase Their Usage of Digital Payments In the Next 6-9 Months Due To COVID-19 Outbreak, in %, Compared to Global Average, April 2020
      • Digital Payments, in EUR billion, 2018 & 2021f
  • 4.3. Emerging Markets
    • 4.3.1. Russia
      • Changes in Payment Behavior Due to COVID-19, By Consumers Who Used Cash and Cashless Payments Before COVID-19 and Who Used Cash Payments Only, in %, April 2020
      • Payment Methods Used in E-Commerce, in % of Online Shoppers, 2016 & 2019
      • Online Payment Methods Used to Pay for Products and Services Online, by Desktop and Smartphone, in % of Internet Users, July 2019
      • Online Payment Services Used to Pay for Products and Services Online, by Desktop and Smartphone, in % of Internet Users, July 2019
      • Non-Bank Digital Wallet Services Used, by Age Group and Total, in % of Internet Users, July 2019
    • 4.3.2. Poland
      • Payment Methods Encouraging Online Shopping, in % of Online Shoppers, April 2019
      • Breakdown of Fast Transfer Services Used in E-Commerce, in % of Online Shoppers Paying by Fast Transfer Services, April 2019
      • Mobile Payment User Penetration, in % of Internet Users, 2018 & 2019
    • 4.3.3. Turkey
      • Breakdown of Payment Methods Used in E-Commerce, in % of Online Shoppers, May 2019
      • Number of Domestic E-Commerce Transactions with Domestic Bank Cards, in millions, and Value, in TRY million, Q1 2018 - Q1 2020
      • Number of Cross-Border E-Commerce Transactions with Domestic Bank Cards, in millions, and Value, in TRY million, Q1 2018 - Q1 2020
    • 4.3.4. Czech Republic
      • Payment Methods Used in E-Commerce, in % of Internet Users, August 2019 & May 2020
      • Contactless Mobile Payment User Penetration, in % of Internet Users, 2018 & 2019

5. North America

  • 5.1. Regional
    • Online & Mobile Payment Trends and News About Players, March 2020
  • 5.2. USA
    • COVID-19 Impact on Online & Mobile Payment, April 2020
    • Precautions Taken by Consumers Due To COVID-19 When Shopping In-Store, in % of Consumers, March 2020
    • Perceived Importance of the Contactless Feature in Credit Cards, in % of Consumers, by Pre COVID-19 and on March 3, 2020
    • Consumers Who Tried Contactless Payments for the First Time During The Pandemic, in % of All Consumers, and Consumers Who Would Keep Using Contactless Payments After The Pandemic, in % of First-Time Users, March 2020
    • Contactless Card Payment Transaction Value, in USD billion, 2020f & 2024f
    • COVID-19-Related Fraud Losses, in USD million, and Number of Reported Cases, by Top 5 Complaint Categories and Total, January 1 - June 8, 2020
    • Payment Methods In The COVID-19-Related Fraud, incl. Losses, in USD million, and Number of Reported Cases, January 1 - June 8, 2020
    • E-Commerce Payment Methods Most Used And Used For The First Time During The COVID-19 Outbreak, in % of Online Shoppers, April 2020
    • Top 3 Payment Methods Used via Computer, by Average Purchase Value, in USD, and Frequency of Purchase, by Times Purchased in The Previous 30 Days, 2019
    • Awareness, Usage and Usage Intent of Interest-Free Online Payment Programs, in % of Adults, Q1 2019 - Q4 2019
    • Mobile Wallet User Penetration, in % of Smartphone Users, May 2019
    • Types of Payments Made via Mobile Payment Apps, in % of Mobile Payment App Users, January 2020
    • Top 3 Digital Wallets, by Payment Channel, in % of Digital Wallet Users, August 2019
    • Breakdown of Payment Methods Used With Digital Wallets, by Credit Card, Debit Card and Bank Account, in % of Users, August 2019
    • Number of Proximity Mobile Payment Users, in millions, and Penetration, in % of Smartphone Users, 2018- 2023f
    • Number of Proximity Mobile Payment Users of Apple Pay, Google Pay and Samsung Pay, in millions, 2019e
  • 5.3. Canada
    • E-Commerce Payment Methods Most Used And Used For The First Time During The COVID-19 Outbreak, in % of Online Shoppers, April 2020
    • Most Trusted Payment Methods, in % of Internet Users, April 2019
    • Share of Internet Users Comfortable With Mobile Or Digital Wallet Payments, in %, 2016 & 2019
    • Mobile Payment Apps Used, in % of Smartphone Users, 2019
    • Average Number of E-Transfers via Interac per Month, in millions, 2019 & March 2020

6. Latin America

  • 6.1. Regional
    • COVID-19 Impact on Online & Mobile Payment, June 2020
    • Breakdown of Consumer Expectations Regarding The Use of Online Payment Methods Post-COVID-19 Outbreak, in %, April 2020
    • Payment Methods Used in E-Commerce, By Selected Countries, in % of Online Shoppers, July 2019
    • Mobile Payment User Penetration, in % of Internet Users With a Bank Account, 2018 & 2019
    • Selected Mobile Payment Apps Used, incl. Penetration, in % of Devices, and Active Users, in % of All Users, by Argentina, Brazil and Mexico, July 2019
  • 6.2. Brazil
    • Year-on-Year Change in Value of Card-Present and Card-Not-Present Payments, March 2020
    • Value of Contactless Payments, in BRL million, March 2019 & March 2020
    • Breakdown of E-Commerce Orders by Payment Methods, in %, H1 2019
    • Average Attempted Fraud Share, in % of E-Commerce Sales, 2019
    • Proximity Mobile Payment User Penetration, in % of Smartphone Owners, August 2019
  • 6.3. Mexico
    • Payment Methods Used in E-Commerce, in % of Online Shoppers, July 2019
    • Number of Authorized Payment Transactions on E-Commerce Websites, in millions, Value, in MXN billion, and Authorization Rate, in % of Transactions and in % of Transaction Value, by Credit Cards and Debit Cards, Q1 2018 - Q3 2019
    • Proximity Mobile Payment User Penetration, in % of Smartphone Users, 2019e
  • 6.4. Argentina
    • Breakdown of Payment Methods Preferred in E-Commerce, in %, 2019
    • Proximity Mobile Payment User Penetration, in % of Smartphone Users, 2019e
  • 6.5. Colombia
    • Payment Methods Used in E-Commerce, in % of Online Shoppers, July 2019
  • 6.6. Chile
    • Payment Methods Used in E-Commerce, in % of Online Shoppers, July 2019
    • Year-on-Year Change in Card Payment Transactions, by Online and in-Store, in %, Week 1 - Week 4 of March 2020
    • Online Share of Card Payments, in %, Week 1 - Week 4 of March 2019 & 2020

7. Middle East & Africa

  • 7.1. Regional
    • COVID-19 Impact on Online & Mobile Payment, June 2020
    • The Impact of COVID-19 on Electronic Payments Revenues, incl. Revenues in 2019, Pre-COVID-19 Forecast, and Revenues Forecast Under The Impact of COVID-19, in USD billion, 2020
    • Attitudes to Contactless Payments During COVID-19 Outbreak, in % of Consumers, April 2020
  • 7.2. UAE
    • E-Commerce Payments Value, in AED billion, 2017-2022f
    • Breakdown of E-Commerce Transactions by Payment Methods, in %, August 2019
    • Digital Wallet Awareness, Ownership & Usage, in % of Online Payment Users, February 2019
    • Attitudes to Contactless Payments During COVID-19 Outbreak, in %, April 2020
  • 7.3. Saudi Arabia
    • Payment Methods Used in E-Commerce, in % of Online Shoppers, 2019
  • 7.4. Israel
    • Breakdown of E-Commerce Transactions by Payment Methods, in %, August 2019
    • Share of Respondents Who Are Using Less Cash Since Adopting Mobile Payment Apps, in %, 2019
  • 7.5. South Africa
    • Breakdown of Payment Methods Used in E-Commerce, in % of Online Shoppers, March 2020
  • 7.6. Egypt
    • Breakdown of E-Commerce Transactions by Payment Methods, in %, August 2019
  • 7.7. Kenya
    • Breakdown of E-Commerce Transactions by Payment Methods, in %, August 2019
    • Mobile Payment Statistics, incl. Number of Transactions, in Millions, Value of Transactions, in KES Billion, Number of Accounts, in Millions, and Number of Agents, in Thousands, 2014 - 2019 & Q1 2020