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1644788

歐洲即時付款：市場佔有率分析、行業趨勢和統計、成長預測（2025-2030 年）

Europe Real Time Payments - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2025 - 2030)
出版日期: | 出版商: Mordor Intelligence | 英文 100 Pages | 商品交期: 2-3個工作天內

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簡介目錄

預計 2025 年歐洲即時付款市場規模為 72.4 億美元，到 2030 年將達到 125 億美元，預測期內（2025-2030 年）的複合年成長率為 11.54%。

歐洲即時支付-市場-IMG1

智慧型手機的快速普及、消費者對快速付款的需求以及歐洲地區政府的舉措是推動市場成長的一些關鍵因素。

主要亮點

  • 隨著歐洲即時付款的採用率不斷提高以及基礎設施的不斷發展和演變，預計未來幾年該地區的即時付款將出現強勁成長。包括英國和荷蘭在內的大多數歐洲市場，即時資金轉帳的數量和金額都呈現強勁成長。 P27 在北歐地區的推出預計將推動即時付款市場的成長。
  • 歐洲付款理事會（EPC）設計了泛歐即時付款系統，以加速歐洲即時付款的發展。 SEPA 即時信用轉帳 (SCT Inst) 流程是基於 EPC 的目前 SEPA 信用轉帳 (SCT) 方案。
  • 此外，此付款系統將實現歐元信用轉賬，資金可在幾秒鐘內隨時轉入該地區的帳戶，並將逐步擴展到36個歐洲國家。幾家地區性銀行正在使用 SEPA 即時信用轉帳 (SCT inst.)。例如，花旗銀行剛在歐洲推出了單一歐元付款區 (​​SEPA)即時付款。
  • 此外，歐洲還有幾項基於ISO20022的即時付款計畫。英國有新支付架構（NPA），北歐有P27，德國有SCT Inst.，歐盟有歐洲支付舉措（EPI）。這些即時付款系統將透過提供更簡單的存取度來增​​加參與度，促進持續的穩定性和彈性，並透過增加即時付款市場的競爭來刺激創新。
  • 此外，ISO 20022的使用有望改善跨境區域連結性，並增加可用於建立新服務的資料框架。此外，瑞典、西班牙、丹麥和波蘭等許多歐盟國家的行動和網路普及率很高，為該地區的即時付款成長提供了堅實的基礎。
  • 然而，授權推送付款等即時付款中詐欺活動的增多可能會阻礙該地區即時付款市場的成長。支援 PSD2 的 3D Secure 2.2通訊協定和其他 SCA 技術減少了該地區的信用卡詐欺，但該地區的授權推送支付詐欺有所增加。
  • COVID-19 疫情對我們地區人們的購物和支付方式產生了巨大影響。付款支付和數位付款等新興支付方式為顧客提供了更多便利，並且在未來幾年可能會進一步成長。

歐洲即時付款市場趨勢

智慧型手機的普及預計將推動市場成長

  • 許多歐洲國家的智慧型手機普及率正在提高，擴大了該地區的即時付款市場。根據GSMA Intelligence報告的資料，2023年初芬蘭的智慧型手機普及率為總人口的169.5％。同樣，在奧地利、德國、西班牙和英國等其他歐洲國家，這一數字分別佔總人口的138.8%、141%、119%和105%。
  • 此外，行動商務的興起進一步促進了該地區的即時付款，因為許多電子商務平台為該地區的電子商務用戶提供即時信用和後付款服務。
  • 消費者更喜歡行動 BNPL 服務，因為它們價格實惠且方便。 BNPL、消費者信用或 Afterpay 讓消費者只用錢來支付。提供 BNPL 服務的主要企業包括 Klarna、PayPal Credit 和 Split。
  • 此外，全部區域智慧型手機的高普及率也支援了智慧型手機擴大用於即時個人對個人 (P2P) 和個人對企業 (P2B) 的資金轉帳。預計這些因素將在預測期內進一步擴大歐洲即時付款市場。

預計英國將佔最大佔有率

  • 在英國，自 2008 年 Pay.the UK 營運的即時付款系統「快速支付系統」（FPS）推出以來，即時付款已經成為可能。此外，快速支付系統還支援該國的行動付款服務 Paym，該服務允許用戶使用行動電話號碼向家人、朋友和小型企業付款。
  • 此外，該國大多數金融機構都參與了FPS，使數百萬人都可以使用它。此外，該地區的許多銀行都已採用FPS。例如，2022 年 5 月，一家主要企業倫敦銀行宣布已成為英國快速支付系統 (FPS) 的直接連接付款參與者，快速支付系統是 24/7 即時付款基礎設施。
  • 儘管消費者可以輕鬆且廉價地進行即時付款，但英國的付款基礎設施仍然與傳統工具（尤其是卡片）緊密相關。此外，英國的即時付款主要著重於小額、高價值的轉賬，而非日常消費。然而，這種情況正在不斷變化，隨著該地區的即時付款採用不斷增加，預計在預測期內將進一步擴大。
  • 英國也支持英國即時付款系統的發展。例如，即時付款供應商Pay.UK正在對其快速支付服務進行現代化改造，這是其新支付架構（NPA）計劃的一部分，該計劃包括採購符合ISO 20022標準的新中央基礎設施。新支付架構（NPA）將提供一個有彈性、擴充性的平台，以加速英國即時付款的成長。
  • 預計所有上述因素都將在整個預測期內推動英國即時付款產業的需求。

歐洲即時付款產業概況

歐洲即時付款市場競爭激烈，參與者眾多，市場顯得較分散。這些市場參與者正在採取包括併購在內的各種策略，以提供創新的付款解決方案並獲得競爭優勢。歐洲即時付款市場的主要企業包括 ACI Worldwide Inc.、Fiserv Inc.、Mastercard Inc.、Visa Inc. 等。

  • 2023 年 6 月 - 全球支付科技公司 ACI Worldwide 向歐洲和英國的商家推出了其即時付款解決方案 ACI Instant Pay。 Instant Pay 讓商家能夠透過與 ACI 支付編配平台的單一 API 整合來接受線上、行動和店內即時付款。
  • 2023 年 4 月－PayPal 的線上付款解決方案允許小型企業接受 PayPal付款、信用卡、簽帳金融卡、數位錢包等。它還將提供有助於中小企業經營業務的功能，例如按交換加 (IC++) 定價的全額付款。

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
  • 產業吸引力－波特五力分析
    • 供應商的議價能力
    • 購買者/消費者的議價能力
    • 新進入者的威脅
    • 替代品的威脅
    • 競爭對手之間的競爭
  • 歐洲付款格局的演變
  • 與歐洲無現金交易擴張相關的主要市場趨勢
  • COVID-19 對歐洲付款市場的影響

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
    • 減少對傳統銀行業務的依賴
    • 即時便捷的即時付款
  • 市場挑戰
    • 付款詐騙，包括授權推送支付詐騙
    • 德國等主要國家現金依賴現狀
  • 市場機會
    • 政府鼓勵數位付款成長的政策預計將推動消費者即時付款的成長。
  • 數位付款產業的關鍵法規和標準
    • 全球監管狀況
    • 可能成為監管障礙的經營模式
    • 隨著商業環境的變化而有發展空間
  • 關鍵用案例和使用案例分析
  • 實際支付交易占全部交易比重及主要國家交易量、金額區域分析
  • 非現金交易中實際支付交易佔比及主要國家分地區交易量分析

第6章 市場細分

  • 依付款類型
    • P2P
    • P2B
  • 按國家
    • 英國
    • 德國
    • 法國
    • 義大利
    • 其他歐洲國家

第7章 競爭格局

  • 公司簡介
    • ACI Worldwide Inc.
    • Fiserv Inc.
    • Paypal Holdings Inc.
    • Mastercard Inc.
    • VISA Inc.
    • FIS Global
    • Apple Inc.
    • Finastra
    • Volante Technologies Inc
    • Nets（Nexi Group）

第8章投資分析

第9章：未來市場展望

簡介目錄
Product Code: 91091

The Europe Real Time Payments Market size is estimated at USD 7.24 billion in 2025, and is expected to reach USD 12.50 billion by 2030, at a CAGR of 11.54% during the forecast period (2025-2030).

Europe Real Time Payments - Market - IMG1

The rapid proliferation of smartphones, consumers' need for quicker settlements, and government initiatives in the European region, among others, are the key reasons driving the market's growth.

Key Highlights

  • Increasing real-time payment adoption rates and continuous development and evolution of infrastructure across Europe indicate strong growth of real-time payments in the region in the coming years. Most European markets, including the UK and the Netherlands, experienced significant growth in volumes and values of real-time fund transfers; with the introduction of the P27 in the Nordic region, the real-time payment market is anticipated to grow.
  • The European Payments Council (EPC) designed a pan-European instant payment system to accelerate the development of real-time payments in Europe. The SEPA Instant Credit Transfer (SCT Inst) process is based on the EPC's current SEPA credit transfer (SCT) scheme.
  • Furthermore, this payment system enables euro credit transfers, with funds becoming available on the account in seconds at any time and in a region that will progressively expand to encompass 36 European countries. Several regional banking institutions are using SEPA Instant Credit Transfer (SCT inst.). Citi, for example, just implemented Single Euro Payments Area (SEPA) Instant Payments throughout Europe.
  • Moreover, several initiatives based on ISO 20022 for real-time payments exist in Europe. In the United Kingdom, there is the New Payments Architecture (NPA), P27 in the Nordic region countries, SCT Inst. in Germany, and the EU is pushing on with the European Payments Initiative (EPI). These real-time payment systems will provide simpler access for increased participation, boost ongoing stability and resilience, and increase innovation through greater competition in the real-time payments market.
  • Furthermore, the use of ISO 20022 is anticipated to improve cross-border and regional connectivity and enable additional data frames that can use to build new services. Furthermore, strong mobile and internet penetration in many countries of the EU, such as Sweden, Spain, Denmark, Poland, etc., is providing a strong platform for the growth of real-time payments in the region.
  • However, growing payment frauds in real-time payments, such as Authorized Push payments, can hamper the growth of the real-time payments market in the region. With the 3D Secure 2.2 protocol and other SCA technologies to accommodate PSD2, card fraud in the region declined, but Authorized Push Payments frauds increased in the region.
  • The COVID-19 pandemic enormously impacted how people shop and pay in the region. The new practices, including real-time and digital payments, are more convenient for customers and are likely to grow in the coming years.

Europe Real Time Payments Market Trends

Rising Penetration of Smartphone is Expected to Foster the Market Growth

  • The increasing penetration of smartphones across many European countries is increasing the real-time payment market in the region. As per data reported by GSMA Intelligence, the smartphone penetration in Finland at the start of 2023 was 169.5% of the total population. Similarly, in other European countries such as Austria, Germany, Spain, and the United Kingdom was 138.8%, 141%, 119%, and 105% of the total population, respectively.
  • Furthermore, the rise of mobile commerce is further proliferating real-time payments in the region as many e-commerce platforms offer real-time credit or buy now pay later services to the e-commerce users in the region.
  • Consumers prefer mobile BNPL services due to their affordability and convenience. BNPL, consumer credit, or after-pay enables consumers to pay money only. Some key European players offering BNPL service include Klarna, PayPal Credit, and Splitit.
  • Furthermore, the increasing adoption of smartphone usage for real-time fund transfer from Person to Person (P2P) and Person to business (P2B) is further supported by the strong smartphone penetration across the region. These factors are further expected to augment the real-time payments market in Europe over the forecast period.

United Kingdom is Anticipated to Hold the Largest Share

  • Real-time payments have been available in the United Kingdom since 2008 with the launch of the U.K.'s real-time payments system called the Faster Payments System (FPS), operated by Pay. the U.K. in the country. Furthermore, the Faster Payment System also powers Paym, the country's mobile payments service, making it possible to pay family, friends, and small businesses using mobile numbers.
  • Furthermore, most financial institutions in the country are participants of the FPS, making it reach millions of people. Moreover, many banking institutions in the region are adopting FPS. For instance, in May 2022, The Bank of London, one of the leading-edge technology companies, announced that it had become a Directly Connected Settling Participant of the Faster Payment System (FPS), the United Kingdom's 24*7 real-time payments infrastructure.
  • Payment infrastructure in the United Kingdom is still very much tied to traditional tools, especially cards, despite being easy and cheap for consumers to access real-time payments. Further, real-time payments in the U.K. are still focused on low-volume, high-value transfers, not everyday expenditures. However, the scenario is continuously changing, and the adoption of real-time payments is increasing in the region and is further expected to grow over the forecast period.
  • The U.K. further supports the growth of the United Kingdom's real-time payments system. For instance, real-time payments operator Pay. U.K. is modernizing the Faster Payments Service as part of its New Payments Architecture (NPA) program, which also involves procuring a new ISO 20022-ready central infrastructure. The New Payments Architecture (NPA) will be a resilient, scalable platform that will expand the growth of real-time payments in the United Kingdom.
  • All the abovementioned factors are expected to boost demand for the UK real-time payments industry throughout the forecast period.

Europe Real Time Payments Industry Overview

The competition in the Europe real-time payments market is intensifying, and the market appears to be fragmented due to the presence of numerous players. These market players offer innovative payment solutions and are involved in various strategies, such as mergers and acquisitions, to gain a competitive advantage. Major players in the Europe real-time payments market include ACI Worldwide Inc., Fiserv Inc., Mastercard Inc., and Visa Inc., among others.

  • June 2023 - Global paytech firm ACI Worldwide has launched ACI Instant Pay, a real-time payment solution for European and UK merchants. Merchants using Instant Pay can accept instant online, mobile, and in-store payments through a single API integration with the ACI payments orchestration platform.
  • April 2023 - PayPal's online payment solution enables SMBs to accept PayPal payments, credit and debit cards, digital wallets, and more. Beginning, SMBs will also be able to accept payments with Apple Pay, allow their customers to save payment methods with the PayPal vault and keep their cards up to date with real-time account updater, as well as get access to features to help them run their business including interchange plus (IC++) pricing with gross settlement.

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 Definitions
  • 1.2 Scope of the Study

2 RESEARCH METHODOLOGY

3 EXECUTIVE SUMMARY

4 MARKET INSIGHTS

  • 4.1 Market Overview
  • 4.2 Industry Attractiveness-Porter's Five Forces Analysis
    • 4.2.1 Bargaining Power of Suppliers
    • 4.2.2 Bargaining Power of Buyers/Consumers
    • 4.2.3 Threat of New Entrants
    • 4.2.4 Threat of Substitute Products
    • 4.2.5 Intensity of Competitive Rivalry
  • 4.3 Evolution of the payments landscape in Europe
  • 4.4 Key market trends pertaining to the growth of cashless transaction in Europe
  • 4.5 Impact of COVID-19 on the payments market in Europe

5 MARKET DYNAMICS

  • 5.1 Market Drivers
    • 5.1.1 Increasing Smartphone Penetration
    • 5.1.2 Falling Reliance on Traditional Banking
    • 5.1.3 Immediacy and Ease of Convenience of the Real Time Payments
  • 5.2 Market Challenges
    • 5.2.1 Payment Fraud such as Authorized Push Payment Scams
    • 5.2.2 Existing Dependence on Cash in Major Countries such as Germany
  • 5.3 Market Opportunities
    • 5.3.1 Government Policies Encouraging the Growth of Digital Paymentis expected to aid the growth of Real Time Payment methods amongst commoners
  • 5.4 Key Regulations and Standards in the Digital Payments Industry
    • 5.4.1 Regulatory Landscape Across the World
    • 5.4.2 Business Models with Potential Regulatory Roadblocks
    • 5.4.3 Scope for Development in Lieu of Evolving Business Landscape
  • 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 volume and transacted value
  • 5.7 Analysis of Real Payments Transactions as a share of Non-Cash Transactions with a regional breakdown of key countries by volumes

6 Market Segmentation

  • 6.1 By Type of Payment
    • 6.1.1 P2P
    • 6.1.2 P2B
  • 6.2 By Country
    • 6.2.1 United Kingdom
    • 6.2.2 Germany
    • 6.2.3 France
    • 6.2.4 Italy
    • 6.2.5 Rest of Europe

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 VISA Inc.
    • 7.1.6 FIS Global
    • 7.1.7 Apple Inc.
    • 7.1.8 Finastra
    • 7.1.9 Volante Technologies Inc
    • 7.1.10 Nets (Nexi Group)

8 Investment Analysis

9 Future Outlook of the Market