市場調查報告書
商品編碼
1540879
2024-2032 年按技術(近場通訊、無線射頻識別、紅外線等)、設備、解決方案、應用程式和地區分類的非接觸式支付市場報告Contactless Payment Market Report by Technology (Near Field Communication, Radio Frequency Identification, Infrared, and Others), Device, Solution, Application, and Region 2024-2032 |
IMARC Group年全球非接觸式支付市場規模達152億美元。消費者對便利、衛生的支付方式的需求不斷成長、智慧型手機和穿戴式裝置的廣泛採用,以及 NFC 和代幣化等安全支付技術的進步,是推動市場成長的一些關鍵因素。
主要市場促進因素:全球銀行、金融服務和保險 (BFSI) 行業的快速數字化主要推動市場的成長。此外,消費者對非接觸式支付工具便利性的認知不斷增強,以及對縮短排隊時間和加快銀行結帳速度的需求不斷成長,也促進了市場的成長。
主要市場趨勢:各種技術進步,例如基於生物辨識的非接觸式智慧卡和新型 RFID 標籤的開發,正在成為重要的成長誘導因素,促進市場成長。
競爭格局:一些領先的非接觸式支付市場公司包括Giesecke & Devrient GmbH、Heartland Payment Systems (Global Payments Inc.)、IDEMIA (Advent International)、Ingenico Group (Worldline SA)、On Track Innovations Ltd.、Pax Technology、 Setomatic Systems、Thales Group、Valitor、Verifone Systems Inc. (Francisco Partners) 和 Visa Inc. 等。
地理趨勢:在北美,區塊鏈和 5G 技術的廣泛採用,以及網路基礎設施的顯著改進,正在推動非接觸式支付市場的發展。由於智慧型手機的廣泛採用、數位錢包的使用不斷增加以及政府的支持舉措,亞太地區非接觸式支付市場正在迅速擴張。此外,歐洲的非接觸式支付市場也十分成熟,其特徵是非接觸式卡片滲透率高,且被商家廣泛接受。
挑戰與機會:非接觸式支付市場面臨安全問題和廣泛的基礎設施升級需求等挑戰。然而,它提供了增強便利性、加快交易速度以及消費者對衛生和高效支付方式的需求所推動的更多採用的機會。
手機錢包的採用率增加
智慧型手機和行動錢包應用程式(例如 Apple Pay、Google Wallet 和 Samsung Pay)的使用不斷增加,主要推動了非接觸式支付的採用。例如,2021 會計年度的行動錢包交易量約為 40 億筆,較 2013 會計年度的約 3,270 萬筆交易大幅成長。 。此外,將非接觸式支付技術(例如近場通訊(NFC)技術)整合到智慧手錶和健身追蹤器等穿戴式裝置中,提高了便利性和用戶採用率。除此之外,零售商店和網點的非接觸式金融卡和信用卡交易的成長預計將在預測期內刺激零售業對非接觸式終端的市場需求。例如,根據Worldplay的統計,去年英國最受歡迎的支付方式是藉記卡,分別佔POS終端所有支付的45%和28%。
技術進步
近場通訊 (NFC) 和無線射頻識別 (RFID) 技術的不斷進步正在提高非接觸式支付的效率和可靠性。各個主要市場參與者都在增加投資以促進順利的非接觸式支付流程。例如,2023 年 10 月,Softpay 和 Dotykacka 合作,利用 Nexi 作為收單機構,在捷克共和國和斯洛伐克推出了點擊電話支付解決方案。點擊電話技術提供商 SoftPay 宣布與多功能 POS 系統解決方案提供商 Dotykacka 建立戰略合作夥伴關係,以滿足捷克共和國和斯洛伐克日益成長的非接觸式支付受理需求。此外,區塊鏈技術的進步有望進一步確保交易安全並簡化流程。這些創新共同推動了非接觸式支付解決方案的成長和採用,提供增強的安全性、效率和使用者體驗。例如,2024年5月,領先的區塊鏈平台唯鏈宣布計劃徹底改變區塊鏈技術與近場通訊(NFC)晶片的整合,以增強資料真實性並釋放新的市場機會。這項策略性舉措旨在透過利用區塊鏈固有的信任和不變性來重塑零售格局。預計此類創新將在未來幾年推動非接觸式支付市場規模。
監理措施和框架
各國政府當局正採取措施建立安全標準並防範欺詐,從而建立對非接觸式支付市場的信任。歐洲的《一般資料保護規範》(GDPR) 等監管框架強制執行嚴格的資料保護措施。支付卡產業資料安全標準 (PCI DSS) 等機構的指南為安全交易制定了標準。政府當局也透過鼓勵數位交易和減少對現金依賴的措施來支持非接觸式支付的採用。例如,2024 年2 月,印度儲備銀行(RBI) 發布了一項重要政策聲明,概述了多項發展和監管舉措,涵蓋金融市場、貸款機構相關法規以及包括數位貨幣和金融科技在內的支付系統。在金融市場方面,印度儲備銀行宣布將全面審查電子交易平台(ETP)的現有監管指南,這些平台允許進行受印度儲備銀行監管的金融工具(例如外匯和政府證券)的交易。預計各國政府當局的此類措施將在預測期內促進非接觸式支付產業的成長。
The global contactless payment market size reached US$ 15.2 Billion in 2023. Looking forward, IMARC Group expects the market to reach US$ 38.1 Billion by 2032, exhibiting a growth rate (CAGR) of 10.4% during 2024-2032. The increasing consumer demand for convenient and hygienic payment methods, widespread adoption of smartphones and wearable devices, and advancements in secure payment technologies such as NFC and tokenization, are some of the key factors, driving the market growth.
Major Market Drivers: Rapid digitization of the banking, financial services, and insurance (BFSI) industry across the globe is primarily driving the growth of the market. Additionally, the increasing consumer awareness regarding the convenience offered by contactless payment tools and the rising demand for minimized queue time and faster checkouts at banks are also catalyzing the market growth.
Key Market Trends: Various technological advancements, such as the development of biometric-based contactless smart cards and novel RFID tags, are acting as significant growth-inducing factors, bolstering the market growth.
Competitive Landscape: Some of the leading contactless payment market companies include Giesecke & Devrient GmbH, Heartland Payment Systems (Global Payments Inc.), IDEMIA (Advent International), Ingenico Group (Worldline S.A.), On Track Innovations Ltd., Pax Technology, Setomatic Systems, Thales Group, Valitor, Verifone Systems Inc. (Francisco Partners), and Visa Inc., among others.
Geographical Trends: In North America, the widespread adoption of blockchain and 5G technologies, along with significant improvements in the networking infrastructure, is propelling the market for contactless payments. The Asia Pacific contactless payment market is rapidly expanding due to widespread smartphone adoption, increasing digital wallet usage, and supportive government initiatives. Additionally, Europe's contactless payment market is also well-established, characterized by high penetration of contactless cards and widespread acceptance among merchants.
Challenges and Opportunities: The contactless payment market faces challenges such as security concerns and the need for widespread infrastructure upgrades. However, it presents opportunities for enhanced convenience, faster transactions, and increased adoption driven by consumer demand for hygienic and efficient payment methods.
Increased Adoption of Mobile Wallets
The growing use of smartphones and mobile wallet applications, such as Apple Pay, Google Wallet, and Samsung Pay, is primarily driving the adoption of contactless payments. For instance, the volume of mobile wallet transactions was about four billion in the financial year 2021, a significant increase from about 32.7 million transactions in the financial year 2013. Additionally, the mobile wallet transaction volume in India is expected to reach around 71 billion by 2025. Moreover, the mobile rate penetration in India was 15.7% in 2020 and is expected to reach 30% in 2025. Significant growth in the adoption of smartphones is expected to propel the contactless payment market share in the coming years. Furthermore, the integration of contactless payment technology, such as near-field communication (NFC) technology, into wearable devices like smartwatches and fitness trackers is enhancing convenience and user adoption. Besides this, the growth in contactless debit card and credit card transactions in retail stores and outlets is anticipated to catalyze the market demand for contactless terminals in the retail sector over the forecast period. For example, the most popular payment method in the UK last year was debit cards, which accounted for 45% and 28%, respectively, of all payments made at POS terminals, according to statistics from Worldplay.
Technological Advancements
Continuous advancements in near-field communication (NFC) and radio-frequency identification (RFID) technologies are enhancing the efficiency and reliability of contactless payments. Various key market players are increasingly investing in facilitating smooth contactless payment processes. For instance, in October 2023, Softpay and Dotykacka collaborated to introduce a Tap-to-phone Payment Solution in the Czech Republic and Slovakia, utilizing Nexi as an Acquirer. Tap-to-phone technology provider SoftPay announced a strategic partnership with multifunctional POS system solution provider Dotykacka to meet the growing demand for contactless payment acceptance in the Czech Republic and Slovakia. Additionally, advancements in blockchain technology promise to further secure transactions and streamline processes. These innovations collectively drive the growth and adoption of contactless payment solutions, offering enhanced security, efficiency, and user experience. For instance, in May 2024, VeChain, a leading blockchain platform, announced its plan to revolutionize the integration of blockchain technology with Near Field Communication (NFC) chips to enhance data authenticity and unlock new market opportunities. This strategic move aims to reshape the retail landscape by leveraging blockchain's inherent trust and immutability. Such innovations are anticipated to propel the contactless payment market size in the coming years.
Regulatory Initiatives and Framework
The government authorities of various nations are taking initiatives to establish security standards and safeguard against fraud, thereby building trust in the contactless payment market. Regulatory frameworks, such as the General Data Protection Regulation (GDPR) in Europe, enforce stringent data protection measures. Guidelines from bodies like the Payment Card Industry Data Security Standard (PCI DSS), set standards for secure transactions. Government authorities are also supporting the adoption of contactless payments through initiatives that encourage digital transactions and reduce reliance on cash. For instance, in February 2024, the Reserve Bank of India (RBI) released a major policy statement outlining several developmental and regulatory initiatives covering financial markets, regulations pertaining to lending institutions, and payment systems, including digital currency and fintech. On the financial markets front, RBI announced that it would comprehensively review the existing regulatory guidelines for Electronic Trading Platforms (ETPs) that enable transactions in financial instruments regulated by RBI, such as foreign exchange and government securities. Such initiatives by the government authorities of various nations are anticipated to catalyze the growth in the contactless payment industry over the forecasted period.
IMARC Group provides an analysis of the key trends in each segment of the global contactless payment market report, along with forecasts at the global, regional, and country levels from 2024-2032. Our report has categorized the market based on technology, device, solution, and application.
Near Field Communication (NFC)
Radio Frequency Identification (RFID)
Infrared (IR)
Others
The contactless payment market report has provided a detailed breakup and analysis of the market based on the technology. This includes near field communication (NFC), radio frequency identification (RFID), infrared (IR), and others.
Near Field Communication (NFC) is a short-range wireless technology that enables communication between devices within a few centimeters. It is widely used in contactless payments, allowing secure transactions by simply tapping a smartphone or contactless card near an NFC-enabled terminal. NFC enables fast transaction speeds, enhanced security through encryption, and convenience, as it eliminates the need for physical contact or swiping.
Radio Frequency Identification (RFID) uses electromagnetic fields to automatically identify and track tags attached to objects. In the contactless payment market, RFID tags are embedded in cards and devices, enabling quick and easy transactions by waving the card near an RFID reader. Benefits include the ability to process multiple transactions simultaneously, increased durability of RFID cards, and improved transaction efficiency and convenience.
Smartphones and Wearables
Point-of-Sales Terminals
Smart Cards
The report has provided a detailed breakup and analysis of the market based on the device. This includes smartphones and wearables, point-of-sales terminals, and smart cards.
Contactless payments are gaining significant traction due to their convenience and preference. As a result, various wearable device manufacturers are incorporating near-field communication (NFC) technology as a standard into most smart devices, like smartphones and wearables, to provide greater convenience by removing the need to fumble with a wallet, purse, or phone. Furthermore, the increasing penetration of smartphones and wearables is also offering lucrative growth opportunities to the contactless payment market. For instance, in India, in 2018, around 36% of households had a smartphone, which increased to 74.8% in 2022. Similarly, from 2016 to 2019, connected wearable devices increased by 325 million to 722 million respectively. 30% of middle-income households used fitness trackers in the U.S. in 2020. Such a significant rise in smartphones and wearables is positively impacting the contactless payment market outlook.
Payment Terminal Solution
Transaction Management
Security and Fraud Management
Hosted Point-of-Sales
Payment Analytics
The report has provided a detailed breakup and analysis of the market based on the solution. This includes payment terminal solution, transaction management, security and fraud management, hosted point-of-sales, and payment analytics.
Payment terminal solutions in the contactless payment market are devices that enable merchants to accept payments without physical contact between the card or device and the terminal. These terminals use Near Field Communication (NFC) technology to communicate with contactless cards, smartphones, and wearables. They provide a fast, secure, and convenient transaction process by simply tapping or waving the payment device near the terminal. Additionally, these terminals often support multiple payment methods, including mobile wallets and traditional chip cards, making them versatile and future-proof in a rapidly evolving payment landscape. Transaction management solutions in the contactless payment market encompass the systems and software that oversee, process, and track financial transactions conducted through contactless methods. These solutions ensure the secure and efficient handling of payments from initiation to completion.
BFSI
Retail
Transportation
Healthcare
Others
The report has provided a detailed breakup and analysis of the market based on the application. This includes BFSI, retail, transportation, healthcare, and others.
In the Banking, Financial Services, and Insurance (BFSI) sector, contactless payments streamline transactions, enhance security, and improve customer convenience. Banks issue contactless cards and mobile payment solutions, reducing transaction times and fraud risks. This technology also facilitates seamless integration with digital banking services, promoting financial inclusion. In the retail sector, contactless payments offer faster checkout processes, reducing wait times and enhancing customer satisfaction. Retailers provide a contactless payment option to enhance the speed and efficiency of the checkout process, fostering customer loyalty through smoother and quicker transactions. Market players are offering innovative and smart solutions for retailers, which is expected to drive the adoption of contactless payment terminals in the retail segment. For instance, in September 2022, Square, a financial services platform, announced its plan to launch a Tap To Pay service for iPhone in the U.S. This service enabled all sizes of vendors to accept contactless payments directly from their iPhones without any hardware or additional costs.
North America
United States
Canada
Asia-Pacific
China
Japan
India
South Korea
Australia
Indonesia
Others
Europe
Germany
France
United Kingdom
Italy
Spain
Russia
Others
Latin America
Brazil
Mexico
Others
Middle East and Africa
The report has also provided a comprehensive analysis of all the major regional markets, which include North America (the United States and Canada); Europe (Germany, France, the United Kingdom, Italy, Spain, Russia, and others); Asia Pacific (China, Japan, India, South Korea, Australia, Indonesia, and others); Latin America (Brazil, Mexico, and others); and the Middle East and Africa.
In North America, various technological advancements, such as the development of biometric-based contactless smart cards and novel RFID tags, are acting as other growth-inducing factors. These technologies are widely adopted by small merchants and service providers to conduct cashless transactions by using their smartphones. Other factors, including the widespread adoption of blockchain and 5G technologies, along with significant improvements in the networking infrastructure, are anticipated to drive the market further. The Asia Pacific contactless payment market is rapidly expanding due to widespread smartphone adoption, increasing digital wallet usage, and supportive government initiatives. Key markets like China, India, and Japan are driving growth with robust digital payment infrastructure and consumer preference for cashless transactions. For instance, in September 2023, NPCI announced UPI Tap & Pay - an extension of the Indian payment method that allows let users to make payments simply by tapping their devices on NFC-enabled QR codes at merchant locations. Besides this, Europe's contactless payment market is also well-established, characterized by high penetration of contactless cards and widespread acceptance among merchants. The region's regulatory framework, such as PSD2, and consumer trust in digital payments contribute to strong market growth and innovation in contactless solutions.
Giesecke & Devrient GmbH
Heartland Payment Systems (Global Payments Inc.)
IDEMIA (Advent International)
Ingenico Group (Worldline S.A.)
On Track Innovations Ltd.
Pax Technology
Setomatic Systems
Thales Group
Valitor
Verifone Systems Inc. (Francisco Partners)
Visa Inc.
(Please note that this is only a partial list of the key players, and the complete list is provided in the report.)
May 2024: RuPay, a product of the National Payments Corporation of India (NPCI), announced a collaboration with TATA IPL. The organization unveiled an exclusive wristband and other accessories available for a select few attendees of the TATA IPL 2024 playoffs and final.
March 2024: IndusInd Bank announced the launch of its contactless payments wearable 'Indus PayWear.' It is said to be India's first all-in-one tokenizable wearable for both debit and credit cards.
March 2024: The Federal Bank launched a RuPay smart key chain called 'Flash Pay' for contactless NCMC (National Common Mobility Card) payments at enabled metro stations and PoS terminals. Customers can make payments up to ₹5,000 without a PIN, whereas those over ₹5,000 will require PIN authentication.