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市場調查報告書
商品編碼
1497659
B2B付款市場:按類型、付款方式、組織規模、產業分類 - 2024-2030 年全球預測B2B Payments Market by Type (Cross-Border, Domestic), Payment Method (Credit Cards, Digital Wallets, Electronic Funds Transfer), Organization Size, Industry Vertical - Global Forecast 2024-2030 |
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B2B付款市場規模預估2023年為1,575.8億美元,2024年達到1,714.1億美元,預估至2030年將達2,885.6億美元,複合年成長率為9.02%。
企業對企業(B2B)付款是指企業之間主要透過電子方式交換所提供的商品和服務的資金。這種B2B付款包括電子資金轉帳(EFT)、ACH(自動清算所)、信用卡、電子帳單平台、數位錢包和基於區塊鏈的付款系統等各種解決方案。這些付款解決方案促進安全且高效的商業交易,並減少對傳統紙本支票和現金交易的依賴。 B2B付款市場的成長要素是用於商業交易的行動應用程式和線上網站的可用性不斷增加。此外,由於針對企業偏好客製化的付款選項數量不斷增加,B2B付款解決方案的採用也不斷增加。然而,B2B付款市場面臨一些限制,包括新的 B2B付款選項與現有系統的整合,以及網路攻擊和資料外洩日益成長的安全疑慮。為了克服這些挑戰,公司正在投資研發以改善安全措施。此外,人工智慧、機器學習、雲端運算和分散式帳本技術等技術進步顯著提高了交易處理速度和安全性。採用區塊鏈技術增強安全性並實施即時付款解決方案以改善現金流管理正在利用 B2B付款市場的新機會。
主要市場統計 | |
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基準年[2023] | 1575.8億美元 |
預計年份 [2024] | 1714.1億美元 |
預測年份 [2030] | 2885.6億美元 |
複合年成長率(%) | 9.02% |
區域洞察
在美洲,美國是 B2B付款技術的領先創新者,眾多金融科技公司推動即時付款(RTP)、基於區塊鏈的解決方案和高階資料分析等領域的轉型。與創新步伐保持同步的是 FedNow,這是聯準會開發的即時付款服務,旨在實現美國金融機構內部的即時轉帳。同時,在加拿大,Interac e-Transfer for Business 等數位付款解決方案的採用在中小型企業中獲得了巨大的吸引力。歐盟國家透過 SEPA(單一歐元付款區)等措施走在跨境付款流程標準化的前沿,該舉措協調了整個歐洲的電子交易。最近的發展包括歐洲央行的 TIPS計劃(TARGET 即時支付結算),該計畫促進了整個歐洲的即時付款處理。由於網路普及不斷上升、智慧型手機的普及以及政府積極採用數位付款方式,中東和非洲地區為 B2B付款提供了充足的成長機會。中國在B2B付款創新方面處於全球領先地位,阿里巴巴旗下螞蟻金服等巨頭在跨國付款處於領先地位。同時,日本不斷湧現金融科技Start-Ups,利用人工智慧技術簡化 B2B付款流程。在印度,統一支付介面(UPI)以創紀錄的交易量改變了數位付款,這一成功導致了基於 UPI 的企業解決方案的引入。由於技術進步、消費者需求不斷變化以及對無縫客戶體驗的需求不斷增加,全球 B2B付款市場正在迅速發展。
FPNV定位矩陣
FPNV定位矩陣對於評估供應商在B2B付款市場的定位至關重要。此矩陣提供了對供應商的全面評估,並檢驗了與商務策略和產品滿意度相關的關鍵指標。這種詳細的評估使用戶能夠根據自己的要求做出明智的決定。根據評估,供應商被分為代表其成功程度的四個像限:前沿(F)、探路者(P)、利基(N)和重要(V)。
市場佔有率分析
市場佔有率分析是一種綜合工具,可以對 B2B付款市場中供應商的現狀進行深入而詳細的評估。透過仔細比較和分析供應商的貢獻,您可以更深入地了解每個供應商的績效以及他們在爭奪市場佔有率時面臨的挑戰。這些貢獻包括整體收益、客戶群和其他重要指標。此外,該分析還提供了對該行業競爭力的寶貴見解,包括在研究基準年期間觀察到的累積、分散主導地位和合併特徵等因素。有了這些詳細資訊,供應商可以做出更明智的決策並製定有效的策略,以在市場競爭中保持領先地位。
戰略分析和建議
策略分析對於尋求在全球市場站穩腳跟的組織至關重要。對 B2B付款市場目前地位的全面評估使企業能夠做出符合其長期願望的明智決策。此關鍵評估涉及對組織的資源、能力和整體績效進行徹底分析,以確定核心優勢和需要改進的領域。
[185 Pages Report] The B2B Payments Market size was estimated at USD 157.58 billion in 2023 and expected to reach USD 171.41 billion in 2024, at a CAGR 9.02% to reach USD 288.56 billion by 2030.
Business-to-business (B2B) payments refer to the exchange of funds, primarily through electronic means, between enterprises for goods and services rendered. This B2B payment encompasses various solutions, including Electronic Funds Transfer (EFT), Automated Clearing House (ACH), credit cards, e-invoicing platforms, digital wallets, and blockchain-based payment systems. These payment solutions facilitate secure and efficient business transactions, reducing the reliance on traditional paper checks and cash-based transactions. The growth factors in the B2B payments market include the easy availability of mobile apps and online websites for business transactions. Furthermore, the rising number of payment options to suit the preferences of businesses is increasing the adoption of B2B payment solutions. However, the B2B payments market faces some limitations, while integrating novel B2B payment options with existing systems and rising security concerns regarding cyberattacks and data breaches. To overcome these issues, businesses invest in research and development, improving security measures. Moreover, technological advancements, including AI, ML, cloud computing, and DLT, have significantly improved transaction processing speed and security. Adopting blockchain technology for enhanced security and implementing real-time payment solutions for improved cash flow management is capitalizing on emerging opportunities in the B2B payment market.
KEY MARKET STATISTICS | |
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Base Year [2023] | USD 157.58 billion |
Estimated Year [2024] | USD 171.41 billion |
Forecast Year [2030] | USD 288.56 billion |
CAGR (%) | 9.02% |
Regional Insights
In the Americas region, the United States is a leading innovator in B2B payments technology, with numerous fintech companies driving change in areas such as real-time payments (RTP), blockchain-based solutions, and advanced data analytics. In line with this innovation push is FedNow, a real-time payment service developed by The Federal Reserve System that aims to enable instant transfers within US financial institutions. Meanwhile, in Canada, adopting digital payment solutions such as Interac e-Transfer for Business has gained significant traction among SMEs. EU countries have been at the forefront of standardizing cross-border payment processes through initiatives like SEPA (Single Euro Payments Area), which harmonizes European electronic transactions. Latest developments include the European Central Bank's TIPS project (TARGET Instant Payment Settlement) that facilitates instant payment processing across Europe. The Middle East and Africa region presents ample growth opportunities in B2B payments, driven by increasing internet penetration, smartphone adoption, and supportive government initiatives to adopt digital payment methods. China is a global leader in B2B payment innovation, with market giants such as Alibaba's Ant Financial spearheading advances in cross-border e-commerce payments. Meanwhile, Japan has seen the rise of several fintech startups that leverage AI-driven technologies to streamline B2B payment processes. In India, the Unified Payments Interface (UPI) has transformed digital payments with record-breaking transaction volumes, and this success has led to the introduction of UPI-based solutions explicitly catering to businesses. Considering these, the global B2B payments market is evolving rapidly, driven by technological advancements, shifting consumer needs, and increasing demands for seamless customer experiences.
Market Insights
The market dynamics represent an ever-changing landscape of the B2B Payments Market by providing actionable insights into factors, including supply and demand levels. Accounting for these factors helps design strategies, make investments, and formulate developments to capitalize on future opportunities. In addition, these factors assist in avoiding potential pitfalls related to political, geographical, technical, social, and economic conditions, highlighting consumer behaviors and influencing manufacturing costs and purchasing decisions.
FPNV Positioning Matrix
The FPNV positioning matrix is essential in evaluating the market positioning of the vendors in the B2B Payments Market. This matrix offers a comprehensive assessment of vendors, examining critical metrics related to business strategy and product satisfaction. This in-depth assessment empowers users to make well-informed decisions aligned with their requirements. Based on the evaluation, the vendors are then categorized into four distinct quadrants representing varying levels of success, namely Forefront (F), Pathfinder (P), Niche (N), or Vital (V).
Market Share Analysis
The market share analysis is a comprehensive tool that provides an insightful and in-depth assessment of the current state of vendors in the B2B Payments Market. By meticulously comparing and analyzing vendor contributions, companies are offered a greater understanding of their performance and the challenges they face when competing for market share. These contributions include overall revenue, customer base, and other vital metrics. Additionally, this analysis provides valuable insights into the competitive nature of the sector, including factors such as accumulation, fragmentation dominance, and amalgamation traits observed over the base year period studied. With these illustrative details, vendors can make more informed decisions and devise effective strategies to gain a competitive edge in the market.
Recent Developments
Nuvei Launches Upgraded Solution for B2B Payments in Canada
Nuvei Corporation, a Canadian fintech company, has launched an enhanced payment solution for B2B transactions within Canada. With this new solution, Nuvei customers access various payment processing capabilities, including Card-Not-Present and account-to-account processing, Level 3 processing, and Nuvei's proprietary AR solution that seamlessly integrates with their ERP system. By leveraging this comprehensive payment solution, businesses can optimize their financial operations, enhance efficiency, and drive growth. [Published On: 2023-10-05]
Mastercard and Oracle Partner to Automate B2B Payments
Mastercard and Oracle Corporation have partnered to streamline B2B payments for enterprise customers by incorporating Mastercard's virtual card platform into Oracle Fusion Cloud ERP. This partnership aims to tackle common challenges companies face, such as managing disparate data, systems, and processes when making commercial payments. With Mastercard's virtual card technology, Oracle aims to facilitate secure connectivity and information sharing among all trading parties, simplifying end-to-end financial transactions for corporate customers. [Published On: 2023-09-19]
Two Raises 19.4 Million for Global B2B Payments Solution
Two AS, a FinTech company, has raised USD 19.4 million for its B2B payments solution. Through this funding, the company's innovative solution aims to revolutionize B2B payments, providing businesses with a seamless and efficient platform, enhancing its offering, and driving growth in the industry. [Published On: 2023-03-21]
Strategy Analysis & Recommendation
The strategic analysis is essential for organizations seeking a solid foothold in the global marketplace. Companies are better positioned to make informed decisions that align with their long-term aspirations by thoroughly evaluating their current standing in the B2B Payments Market. This critical assessment involves a thorough analysis of the organization's resources, capabilities, and overall performance to identify its core strengths and areas for improvement.
Key Company Profiles
The report delves into recent significant developments in the B2B Payments Market, highlighting leading vendors and their innovative profiles. These include American Express Company, Ant Group Co., Ltd., Bank of America Corporation, Block Inc., Bottomline Technologies Inc., Capital One Financial Corporation, Citigroup Inc., Coupa Software Inc., JPMorgan & Chase Co., Mastercard Inc., Payoneer Inc., PayPal Holdings, Inc., Paystand, Inc., Ramp Business Corporation, Rapyd Financial Network Ltd., Square, Inc., Stripe, Inc., Tipalti Inc., TransferWise Ltd., Visa Inc., and Wise Payments Limited.
Market Segmentation & Coverage