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市場調查報告書
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1642108

即時付款-市場佔有率分析、產業趨勢與統計、成長預測（2025-2030 年）

Real-Time Payments - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2025 - 2030)
出版日期: | 出版商: Mordor Intelligence | 英文 120 Pages | 商品交期: 2-3個工作天內

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簡介目錄

預計 2025 年即時付款市場規模為 349.9 億美元，到 2030 年將達到 1,569.1 億美元，預測期內（2025-2030 年）的複合年成長率為 35%。

即時支付-市場-IMG1

即時付款通常著重於低價值零售付款系統（RPS），與即時總付款系統（RTGS）和分散式帳本付款系統不同。即時付款除了滿足需求和期望之外，還吸引了監管機構、競爭管理機構和付款服務供應商的興趣。監管機構認為，即時付款將擴大銀行服務的覆蓋範圍、支持經濟成長、提供 Visa/Mastercard 網路的替代方案，並減少現金和支票的使用。

關鍵亮點

  • 全球即時付款(RTP) 生態系統正在快速發展，企業和政府意識到採用更快、更有效率的付款系統的好處。根據ACI Worldwide 2023年3月的報告，目前六大洲70多個國家都支援即時付款，預計今年的交易額將達到1,950億美元，與前一年同期比較增加63%。
  • 智慧型設備的普及和網路零售業的蓬勃發展正在推動即時付款的快速普及。要求嚴格的消費者擴大使用智慧型手機向商家、收款人和同行付款。
  • 金融科技領域對使用尖端技術和新經營模式的興趣日益濃厚，例如支援使用行動應用程式的開放 API 的即時付款系統，這也促進了市場的成長。根據 Finastra 去年的一項調查，銀行即服務 (BaaS) 預計在未來三年內成長 25%，用戶希望在參與企業中添加一系列內建功能，例如即時付款和零售銀行業務。開放API 來實現可存取的銀行功能。
  • 新冠疫情導致全球數位付款的使用增加。根據 2021 年全球金融包容性資料庫，在低收入和中等收入國家（不包括中國），自 2019 年以來首次在實體商店或在線通過信用卡、電話或網際網路付款的成年人比例新冠肺炎的感染率已升至40%。
  • 然而，隨著即時付款的興起，詐欺的風險大大增加。對於大多數付款類型，您的客戶可以在處理之前取消錯誤付款。然而，即時付款在幾秒鐘內完成並且不可逆轉，這意味著付款人無法取消交易。由於這些因素，針對即時付款中的詐欺行為的對策已成為一項挑戰。

即時付款市場趨勢

P2B 領域領先市場

  • P2B 支付是指企業與其顧客之間（或來自）的貨幣交易。行動交易和電子商務的不可阻擋的成長是推動這一領域發展的關鍵因素。
  • 預計網路購物和電子商務的持續成長將推動該領域的發展。 P2B付款使企業能夠提高客戶滿意度。隨著監管改革的不斷變化，P2B 機制正在加快步伐。網路和店內帳單付款有望帶來下一波大規模支付浪潮，從而降低即時支付成本。
  • 低成本的P2B交易也為企業帶來了新的現金管理水平，企業可以從即時付款帶來的即時流動性中受益，並通過即時通知交易狀態為消費者提供額外的服務。
  • 在零工經濟中，勞動市場具有時間性的特徵。即時勞動力的工作範例包括食品配送服務、叫車服務（如 Uber 和 Bolt）、房屋照顧者和遛狗者。即時付款對於零工經濟工作者來說是一個巨大的優勢。這是因為工人可以快速收到報酬，並且可以規劃他們的財務，而不必擔心與現金相關的交易。
  • 雲端基礎的即時付款解決方案的成長趨勢得益於它們為零售商提供即時付款洞察的靈活性。預計在預測期內，全球大型零售店擴大採用數位付款方式將推動市場發展。

亞太地區是成長最快的市場

  • 新興國家即時交易的預期成長將是推動市場邁向新水準的關鍵，其中印度等國家將領先並超越已開發國家。實現即時付款意味著世界各國政府正在透過為企業和消費者提供更快、更便宜、更有效的付款方式來促進繁榮和經濟成長。
  • 統一支付介面 (UPI) 改變了印度人的付款方式，實現了資金從一個銀行帳戶銀行帳戶到另一個銀行帳戶、從消費者到企業以及個人之間的快速轉帳。根據萬事達卡2022年新支付指數，印度人是亞太地區消費者中最願意使用無現金付款的，93%的人表示他們在上年度使用過無現金付款。
  • 據 CEBR 稱，印度是全球企業即時付款的最大用戶，去年超過 40% 的即時付款源自印度。印度去年的即時付款額為486億，約為排名第二的中國的185億的2.6倍。
  • 根據CEBR統計，中國即時付款佔全交易的5.7%，為企業和消費者創造了153.97億美元的淨收益。按照中國目前的即時付款普及水平，由於浮動時間的縮短，即時付款去年的日交易量達到1708億美元。該營運資金預計當年創造營業產出124.11億美元。
  • 據 CEBR 稱，香港的即時付款佔有率去年達到了 7.3%，但預計到 2026 年將成長兩倍至 22.8%。預計即時採用將推動消費者和企業利益到 2026 年達到 2.6 億美元。據估計，去年使用即時付款帶來的宏觀經濟效益為 3.4 億美元（佔官方 GDP 的 0.09%），相當於 3,355 名工人的產出。

即時付款行業概覽

即時付款市場由許多大型供應商組成，它們不僅佔據主導市場佔有率，而且擁有成熟的分銷網路，因此競爭對手之間的競爭相當激烈。隨著消費者偏好的快速變化，即時付款市場已成為利潤豐厚的選擇，並吸引了大量投資。服務供應商正在建立夥伴關係以推動產品創新。市場上一些知名的供應商包括 ACI Worldwide Inc.、Fiserv Inc.、Paypal Holdings Inc. 和 Mastercard Inc.

2022 年 6 月，ACI Worldwide 將推出一個全新的行動互動平台 ACI Smart Engage，讓世界各地的商家能夠使用語音、位置和影像識別技術將服務和產品庫存直接送到消費者的智慧型手機上。我們能夠承擔——將購物推向新的高度。

此外，2022 年 4 月，Fiserv推出Appmarket，為他們提供精選的金融科技解決方案，幫助他們更有業務運作、吸引新客戶並更有效地競爭。 AppMarket 將協助 Fiserv 的金融機構客戶解決新興的零工經濟銀行和加密金融機會、中小企業 (SMB) 貸款和其他優先事項。

其他福利

  • Excel 格式的市場預測 (ME) 表
  • 3 個月的分析師支持

目錄

第 1 章 簡介

  • 研究假設和市場定義
  • 研究範圍

第2章調查方法

第3章執行摘要

第4章 市場洞察

  • 市場概況
  • 價值鏈分析
  • 產業吸引力-波特五力分析
    • 新進入者的威脅
    • 買家的議價能力
    • 供應商的議價能力
    • 替代品的威脅
    • 競爭對手之間的競爭
  • COVID-19 市場影響評估

第5章 市場動態

  • 市場促進因素
    • 智慧型手機普及率不斷提高
    • 提高便利性
    • 減少對傳統銀行業務的依賴
  • 市場問題
    • 付款詐騙
    • 對現金的依賴
  • 市場機會
    • 政府鼓勵使用數位付款的政策將推動即時付款的成長
  • 數位付款產業的關鍵法規和標準
  • 關鍵用案例和使用案例分析
  • 主要國家實際支付交易佔比及各地區交易金額分析
  • 非現金交易中實際支付交易佔比及主要國家交易金額區域分佈分析

第6章 市場細分

  • 依付款類型
    • P2P
    • P2B
  • 按地區
    • 北美洲
      • 美國
      • 加拿大
    • 歐洲
      • 英國
      • 德國
      • 西班牙
      • 瑞典
      • 芬蘭
      • 歐洲其他地區
    • 亞太地區
      • 中國
      • 印度
      • 韓國
      • 泰國
      • 日本
      • 其他亞太地區
    • 拉丁美洲
      • 巴西
      • 阿根廷
      • 哥倫比亞
      • 墨西哥
      • 其他拉丁美洲國家
    • 中東和非洲
      • 阿拉伯聯合大公國
      • 南非
      • 奈及利亞
      • 其他中東和非洲地區

第7章 競爭格局

  • 公司簡介
    • ACI Worldwide Inc.
    • Fiserv Inc.
    • Paypal Holdings Inc.
    • Mastercard Inc.
    • Montran Corporation
    • Temenos AG
    • Volante Technologies Inc.
    • Wirecard AG
    • FIS Global
    • Visa Inc.
    • Finastra

第8章投資分析

第9章：市場的未來

簡介目錄
Product Code: 66643

The Real-Time Payments Market size is estimated at USD 34.99 billion in 2025, and is expected to reach USD 156.91 billion by 2030, at a CAGR of 35% during the forecast period (2025-2030).

Real-Time Payments - Market - IMG1

Real-time payments typically focus on low-value retail payment systems (RPS); they differ from real-time gross settlement systems (RTGS) and distributed ledger payment systems. In addition to meeting the demands and expectations, real-time payments have generated interest from regulators, competition authorities, and payment service providers. Regulators believe that instant payments will expand access to banking services, support economic growth, provide alternatives to Visa/Mastercard networks and reduce the use of cash and cheques.

Key Highlights

  • There is rapid growth in the global Real-Time Payment (RTP) ecosystem, with businesses and governments realizing the benefits of implementing faster, more efficient payment systems. Currently, over 70 countries on six continents support real-time payments, with USD 195 billion in transaction volume this year, presenting a year-on-year growth of 63%, according to ACI Worldwide's March 2023 report.
  • The growing penetration of smart devices and booming online retail commerce across the world are driving the rapid adoption of real-time payments. Increasingly, demanding consumers are turning to their smartphones when they need to pay merchants, billers, peers, and others.
  • The increasing focus on using advanced technologies and new business models in the Fintech sector, like open API-enabled real-time payment systems using mobile applications, has contributed to market growth. As per a study by Finastra last year, Baas (Banking as a Service) is expected to grow by 25% over the next three years, providing various features to users embedded in the system like real-time payment, retail banking, etc., and 86% players in the market are planning to adopt open APIs to enable available banking capabilities.
  • The COVID-19 pandemic resulted in increased use of digital payments across the world. According to the Global Findex Database 2021, in low and middle-income economies (excluding China), more than 40% of adults who made merchant in-store or online payments by using a card, phone, or through the internet did so for the first time since the start of COVID-19.
  • However, with real-time payments gaining widespread adoption, there is a significant increase in the risk of fraud. With most payment types, a customer has the ability to recall a payment made in error before it is processed. However, an instant payment is completed in a few seconds, and as it is irrevocable, the payer cannot cancel the transaction. Such factors increase the challenges in combating fraud in the case of real-time payments.

Real Time Payments Market Trends

P2B Segment Holds the Key to Drive the Market

  • P2B payments refer to monetary transactions between (to or from) businesses and customers. The unabated growth of mobile-based transactions and e-commerce is a key factor driving the development of the segment.
  • The continuous growth of online shopping and e-commerce sales is expected to drive the development of the segment. P2B payments allow businesses to improve customer satisfaction. The P2B structure has been picking up the pace with the change in regulatory reforms. Online and in-store bill payments promise the next wave of huge volumes needed to keep real-time costs cheaper than cards.
  • Also, lower-cost P2B transactions offer a new level of cash management to businesses that can benefit from real-time liquidity owing to instant settlement along with the added level of service to the consumer related to the instant notification of the status of the transaction.
  • In the gig economy, the labor markets are characterized temporarily. Examples of jobs that comprise the (just-in-time workforce) include food delivery services, ride-hailing services (such as Uber or Bolt), house sitters, and dog walkers. Real-time payments make it big and beneficial to gig economy workers because workers are paid quickly, allowing them to better plan their finances without worrying about cash-related transactions.
  • The increasing trends for cloud-based real-time payment solutions can be attributed to their flexibility in providing real-time payment insights to retailers. The growing adoption of digital payment methods in big retail stores across the globe is anticipated to drive the market in the forecasted period.

Asia Pacific will be the Fastest Growing Market

  • Real-time transaction growth forecasts for emerging countries will be the key to taking the market to a new level, with countries like India leading and outpacing developed nations. Governments around the world that enable real-time schemes are driving prosperity and economic growth by providing businesses and consumers with faster, cheaper, and more efficient payment methods.
  • United Payments Interface (UPI) has transformed how Indians make payments, allowing them to quickly transfer money instantly from one bank account to another: from a customer to a business or between individuals. According to Mastercard's 2022 New Payments Index, Indians are the most willing of any consumers in the Asia-Pacific region to use emerging cashless payment methods, with 93% likely to have made such a payment in the previous year.
  • As per the CEBR, India accounted for the highest volume of real-time payments among businesses globally, with over 40% of all such payments made throughout last year originating in the country. India made 48.6 billion real-time payments last year, which was around 2.6 times higher than China, which was in second place with 18.5 billion real-time transactions.
  • According to the CEBR, net benefits for businesses and consumers of real-time payments hit USD 15.397 billion in China, supported by real-time accounting for 5.7% of all transactions. Based on current real-time adoption levels in China, instant payments unlocked a total transaction value of USD 170.800 billion per day last year through a reduced float time. This working capital facilitated an estimated USD 12.411 billion in business output in the same year.
  • In Hong Kong, real-time payments share was recorded at 7.3% last year, which is estimated to triple (22.8% by 2026), as per CEBR. The strongly predicted real-time uptake will result in consumer and business benefits reaching USD .26 billion in 2026. The macroeconomic benefits of using real-time payments were an estimated USD .34 billion of economic output (0.09% of formal GDP) last year, equivalent to the output of 3,355 workers.

Real Time Payments Industry Overview

The competitive rivalry in the Real-Time Payments Market is moderately high, as the market comprises many large vendors that command a prominent market share besides having access to well-established distribution networks. With consumer preferences changing rapidly, the Real-Time Payments Market has become a lucrative option and, thus, has attracted huge investments. The service providers are engaging in partnerships to promote product innovation. Some of the prominent vendors in the market include ACI Worldwide Inc., Fiserv Inc., Paypal Holdings Inc., and Mastercard Inc.

In June 2022, ACI Worldwide announced its new mobile engagement platform ACI Smart Engage, enabling merchants worldwide to serve up their inventory of services and goods directly to consumers' smartphones using voice, location, and image recognition technology, taking shopping-on-the-go to a new level.

Furthermore, in April 2022, Fiserv launched Appmarket for financial institutions, where they can access a curated set of fintech solutions to help them operate more efficiently, reach new customers, and compete more effectively. AppMarket would empower Fiserv financial institution clients and address emerging gig economy banking and crypto finance opportunities, small and mid-size business (SMB) lending and other priorities.

Additional Benefits:

  • The market estimate (ME) sheet in Excel format
  • 3 months of analyst support

TABLE OF CONTENTS

1 INTRODUCTION

  • 1.1 Study Assumptions and Market Definition
  • 1.2 Scope of the Study

2 RESEARCH METHODOLOGY

3 EXECUTIVE SUMMARY

4 MARKET INSIGHTS

  • 4.1 Market Overview
  • 4.2 Value Chain Analysis
  • 4.3 Industry Attractiveness - Porter's Five Forces Analysis
    • 4.3.1 Threat of New Entrants
    • 4.3.2 Bargaining Power of Buyers
    • 4.3.3 Bargaining Power of Suppliers
    • 4.3.4 Threat of Substitutes
    • 4.3.5 Intensity of Competitive Rivalry
  • 4.4 Assessment of the Impact of COVID-19 on the Market

5 MARKET DYNAMICS

  • 5.1 Market Drivers
    • 5.1.1 Increased Smartphone Penetration
    • 5.1.2 Ease of Convenience
    • 5.1.3 Falling Reliance on Traditional Banking
  • 5.2 Market Challenges
    • 5.2.1 Payment Fraud
    • 5.2.2 Existing Dependence on Cash
  • 5.3 Market Opportunities
    • 5.3.1 Government Policies Encouraging the Usage of Digital Payment is Expected to Aid the Growth of Real-Time Payment Methods
  • 5.4 Key Regulations and Standards in the Digital Payments Industry
  • 5.5 Analysis of Major Case Studies and Use-cases
  • 5.6 Analysis of Real Payments Transactions as a Share of all Transactions with a Regional Breakdown of Key Countries by Transaction Volume
  • 5.7 Analysis of Real Payments Transactions as a Share of Non-Cash Transactions with a Regional Breakdown of Key Countries by Transaction Volume

6 MARKET SEGMENTATION

  • 6.1 By Type of Payment
    • 6.1.1 P2P
    • 6.1.2 P2B
  • 6.2 By Geography
    • 6.2.1 North America
      • 6.2.1.1 United States
      • 6.2.1.2 Canada
    • 6.2.2 Europe
      • 6.2.2.1 United Kingdom
      • 6.2.2.2 Germany
      • 6.2.2.3 Spain
      • 6.2.2.4 Sweden
      • 6.2.2.5 Finland
      • 6.2.2.6 Rest of Europe
    • 6.2.3 Asia-Pacific
      • 6.2.3.1 China
      • 6.2.3.2 India
      • 6.2.3.3 South Korea
      • 6.2.3.4 Thailand
      • 6.2.3.5 Japan
      • 6.2.3.6 Rest of Asia-Pacific
    • 6.2.4 Latin America
      • 6.2.4.1 Brazil
      • 6.2.4.2 Argentina
      • 6.2.4.3 Colombia
      • 6.2.4.4 Mexico
      • 6.2.4.5 Rest of Latin America
    • 6.2.5 Middle-East and Africa
      • 6.2.5.1 United Arab Emirates
      • 6.2.5.2 South Africa
      • 6.2.5.3 Nigeria
      • 6.2.5.4 Rest of Middle-East and Africa

7 COMPETITIVE LANDSCAPE

  • 7.1 Company Profiles
    • 7.1.1 ACI Worldwide Inc.
    • 7.1.2 Fiserv Inc.
    • 7.1.3 Paypal Holdings Inc.
    • 7.1.4 Mastercard Inc.
    • 7.1.5 Montran Corporation
    • 7.1.6 Temenos AG
    • 7.1.7 Volante Technologies Inc.
    • 7.1.8 Wirecard AG
    • 7.1.9 FIS Global
    • 7.1.10 Visa Inc.
    • 7.1.11 Finastra

8 INVESTMENT ANALYSIS

9 FUTURE OF THE MARKET