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市場調查報告書
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1644789

拉丁美洲的即時付款：市場佔有率分析、行業趨勢和統計、成長預測（2025-2030 年）

Latin America 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

預計預測期內拉丁美洲即時付款市場的複合年成長率將達到 15.1%。

拉丁美洲即時支付-市場-IMG1

主要亮點

  • 由於拉丁美洲銀行帳戶帳戶人口不斷減少、越來越多的人開始使用更快、更即時的付款服務以及智慧型手機普及率高，該地區的即時付款市場正在快速成長。此外，巴西和墨西哥即時付款交易的成長也推動了成長。
  • 此外，2D碼、即時付款等新的付款技術和付款也不斷湧現。一些國家已經實施了付款、快速的付款系統，例如阿根廷的Transferencia 3.0、巴西的PIX和墨西哥的SPEI。
  • 即時付款的成長受到許多地區智慧型手機普及率的提高和政府法規的推動。例如，在墨西哥，通訊改革降低了行動電話和資料通訊成本，從而提高了連結性和使用率，這是即時付款發展的關鍵因素。
  • 新冠疫情導致該地區的數位交易急劇增加。有些人是首次嘗試金融科技和即時付款服務，而現有用戶則更頻繁地使用它們。此外，付款付款增加該地區即時付款的採用。

拉丁美洲即時付款市場趨勢

P2B 領域預計將大幅推動市場

  • 由於網路和智慧型手機普及率的提高、網路購物購物者數量的增加以及該地區電子商務的蓬勃發展，預計預測期內 P2B 即時付款領域將獲得顯著發展。此外，各大付款和電子商務公司提供的「先買後付」等即時付款服務進一步推動了該地區 P2B 領域的成長。
  • 該地區各類付款提供商和電子商務平台採用即時付款支援了 P2B 貿易的成長。例如，在巴西，由於用戶的正面回饋，Mercado Libre 等零售商和宅配巨頭已開始提供 Pix 作為付款方式。
  • ADDI、DiniePay 和 Cleo 等主要參與者提供的先買後付服務進一步推動了該地區即時付款市場的成長。在巴西，巴西金融科技公司 RecargaPay 希望透過將小額貸款整合到 BNPL 實踐中並提供在 3 至 12 個月內分期支付能源和水費的選項，充分利用該國採用 BNPL 的優勢。預計這將進一步增加該地區的P2B貿易。
  • 此外，許多地區性公司正在合併和合作，以在 P2B 領域提供更多創新解決方案。例如，2022 年 4 月，墨西哥「先買後付」公司 Nelo 推出了一款一體化應用程式。透過與萬事達卡合作，Nelo 客戶可以在任何參與的線上零售商處使用 Nelo。 Nelo 應用程式是該地區首款此類應用程式，允許客戶在他們最喜歡的商店購物和分期付款，包括 Mercado Libre、亞馬遜和利物浦。這是透過 Nelo 客戶在結帳時產生的虛擬卡來實現的。

巴西預計將以高複合年成長率成長

  • 在巴西，鼓勵創新的監管環境使得數位銀行能夠利用新技術，這對於過去幾年來即時付款等新技術和創新技術的日益普及至關重要。巴西即時付款發展的另一個催化劑是巴西央行於 2020 年推出的即時付款系統 Pix 的推出。
  • 國際清算銀行稱，巴西即時付款系統Pix於2020年11月推出，僅一年多時間，已有67%的巴西成年人註冊，並提供免費的個人對個人付款，且對商家收取低廉的費用。 Pix 成功的關鍵因素是大型銀行的強制參與以激活用戶的網路效應，以及央行作為付款基礎設施提供者和國家規則制定者的雙重角色。
  • 此外，巴西即時付款交易的快速成長也有助於推動即時付款的成長。例如，根據巴西央行的數據，巴西的 Pix 交易數量從 2020 年 11 月的 3,351 萬筆躍升至 2021 年 3 月的 3.9364 億筆。
  • 此外，根據巴西央行報告的資料，2021年3月有5302萬人透過Pix匯款，5,840人透過Pix收到匯款。交易量的不斷增加進一步推動了巴西的即時付款。
  • 預計所有上述因素都將在預測期內推動該地區的即時付款市場的發展。

拉丁美洲即時付款產業概況

拉丁美洲即時支付市場的競爭較少，且市場呈現適度整合的態勢。主要市場參與者正在提供創新的付款解決方案，並積極進行併購以擴大市場佔有率。拉丁美洲即時付款市場的主要企業包括 ACI Worldwide Inc.、Fiserv Inc.、Mastercard Inc.、Visa Inc. 等。

  • 2022 年 6 月-領先的跨境即時付款管道Buckzy Payments, Inc. 宣布將其付款網路擴展到拉丁美洲。 Bucksy 的網路目前涵蓋拉丁美洲地區的八個國家：阿根廷、巴西、智利、哥倫比亞、瓜地馬拉、宏都拉斯、墨西哥和烏拉圭。作為擴展的一部分，Bucksy 還將向客戶提供銀行、金融科技公司和其他供應商提供的本國貨幣虛擬帳戶服務。
  • 2022 年 3 月-國際付款管道Paysend 宣布已與巴西中央銀行建立和管理的即時付款管道PIX 合作，將其匯款服務擴展到巴西。憑藉與巴西外匯市場知名參與者 Banco Rendimento 的現有夥伴關係以及強大的支付結構，Paysend 用戶將能夠透過 PIX付款基礎設施更快、更安全、更實惠地向巴西匯款。

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
  • 拉丁美洲付款格局的演變
  • 與拉丁美洲無現金交易擴張相關的主要市場趨勢
  • COVID-19 對拉丁美洲付款市場的影響

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
    • 即時便捷的即時付款
  • 市場挑戰
    • 即時付款詐欺和安全問題
  • 市場機會
    • 政府鼓勵數位付款發展的政策可能會推動大眾即時付款的成長
  • 數位付款產業的關鍵法規和標準
    • 拉丁美洲監管格局
    • 可能成為監管障礙的經營模式
    • 隨著商業環境的改變而出現的發展空間
  • 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
    • 巴西
    • 墨西哥
    • 其他拉丁美洲國家

第7章 競爭格局

  • 公司簡介
    • ACI Worldwide Inc.
    • Paypal Holdings Inc.
    • VISA Inc.
    • Mastercard Inc.
    • Fiserv Inc.
    • FIS Global
    • Paysend PLC
    • Apple Inc.
    • SafetyPay
    • Riya Money Transfer

第8章投資分析

第9章：未來市場展望

簡介目錄
Product Code: 91092

The Latin America Real Time Payments Market is expected to register a CAGR of 15.1% during the forecast period.

Latin America Real Time Payments - Market - IMG1

Key Highlights

  • The real-time payments market in Latin America is booming owing to a decrease in the region's unbanked population, the rising shift towards faster and instant payment services, and the high proliferation of smartphones. Furthermore, the growth is coupled with the growing real-time payment transactions in Brazil and Mexico.
  • In addition, new payment technologies and payment methods like QR codes and real-time payments are rising. Several countries have Real-time payments and fast-payment systems, such as Transferencia 3.0 in Argentina, PIX in Brazil, and SPEI in Mexico.
  • The growth of real-time payments is further supported by increasing smartphone penetration and government regulations in many regional countries. For instance, telecommunications regulation reforms in Mexico have resulted in lower costs for mobile phones and data, which has led to more connectivity and usage, a key component in real-time payments evolution.
  • The COVID-19 pandemic has sharply increased digital transactions in the region. Some people have tried out fintech and real-time payment services for the first time, while existing users have increased their frequency of use. Further, the shift towards contactless and innovative payments has increased the usage of real-time payments in the region.

Latin America Real Time Payments Market Trends

P2B Segment is Expected to Gain Significant Traction in the Market

  • The P2B segment of real-time payments is expected to gain significant traction over the forecast periods owing to the rising internet and smartphone penetration, increasing online shoppers, and booming e-commerce in the region. Furthermore, real-time payment services such as buy now pay later offered by various major payment, and e-commerce companies are further fueling the growth of the P2B segment in the region.
  • The growth in P2B transactions is supported by the adoption of real-time payments by various payment providers and e-commerce platforms across the region. For instance, in Brazil, given the good user reception, companies started offering Pix as a payment method, including retailers and delivery giants such as Mercado Libre, which relies on Pix to replace the bank slip and increase the e-commerce conversion rate iFood, and Magazine Luiza.
  • The buy now pays later services provided by the major companies such as ADDI, DiniePay, and Cleo are further fueling the growth of the real-time payments market in the region. Furthermore, in Brazil, RecargaPay, a Brazilian fintech, is attempting to capitalize on the adoption of BNPL across the country by connecting small loans to BNPL practices, providing the option to pay for energy and water bills in three to twelve monthly installments. This is further expected to increase the P2B transactions in the region.
  • Further, many regional companies are indulging in merger and partnership activities to provide more innovative solutions in the P2B segment. For instance, in April 2022, Nelo, a Buy Now Pay Later company in Mexico, announced that it had launched its all-in-one app. Nelo's customers can use Nelo at any online merchant through a partnership with Mastercard. Nelo's app is the first of its kind in the region, where customers can shop and pay in installments at their favorite stores like Mercado Libre, Amazon, and Liverpool. This is enabled through a virtual card that Nelo customers generate at checkout.

Brazil is Expected to Grow at a Significant CAGR in the Market

  • In Brazil, the pro-innovation regulatory landscape allowed digital banks to leverage new technologies, which have been critical for the growth in the adoption of new and innovative technologies such as real-time payments seen over the past couple of years. Another catalyst for developing real-time payments in Brazil was the introduction of Pix, a real-time payment system launched in 2020 by Brazil's Central Bank.
  • As per Bank for International Settlements, In little over a year since its launch in November 2020, Brazil's real-time payment system Pix has signed up 67% of adults in Brazil, with free payments between individuals and low charges for merchants. The key factors that governed Pix's success are the mandatory participation of large banks to kick-start network effects for users and the central bank's dual role as a payment infrastructure provider and rule setter across the country.
  • Furthermore, the growth of real-time payments is further governed by the rapid increase in Brazil's real-time payments transactions. For instance, As per the Central Bank of Brazil, the number of Pix transactions in Brazil was 33.51 million in November 2020, dramatically increasing to 393.64 million transactions in March 2021.
  • Additionally, as data reported by the Central Bank of Brazil, 53.02 million individuals sent money through Pix in march 2021, and 58.4 individuals received money through Pix. The growing volume of transactions further supports this through real-time payments in Brazil.
  • All the abovementioned factors are expected to boost the region's real-time payments market over the forecast period.

Latin America Real Time Payments Industry Overview

The competition in the Latin America real-time payments market is moderate, and the market appears to be moderately consolidated. Major market players offer innovative payment solutions and indulge in mergers and acquisitions to gain market share. Major players in the Latin America real-time payments market include ACI Worldwide Inc., Fiserv Inc., Mastercard Inc., and Visa Inc., among others.

  • June 2022 - Buckzy Payments, Inc., a leading real-time cross-border payments platform, announced the expansion of its payments network throughout Central and South America. The Buckzy network now covers eight countries in the LATAM region - Argentina, Brazil, Chile, Colombia, Guatemala, Honduras, Mexico, and Uruguay. As part of the expansion, Buckzy will also deliver virtual account capability in the national currencies of each country for banks, FinTechs, and other providers to offer to their customers.
  • March 2022 - Paysend, the international payments platform, announced the expansion of its money-transfer services to Brazil with PIX, the real-time payment platform created and managed by the Central Bank of Brazil. Through an existing partnership with Banco Rendimento, a prominent player in the foreign exchange market in Brazil, and a robust Payments structure, Paysend's users will be able to transfer funds faster, more securely, and affordably to Brazil via PIX's payments infrastructure.

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 Latin America
  • 4.4 Key market trends pertaining to the growth of cashless transaction in Latin America
  • 4.5 Impact of COVID-19 on the payments market in Latin America

5 MARKET DYNAMICS

  • 5.1 Market Drivers
    • 5.1.1 Increasing Smartphone Penetration
    • 5.1.2 Immediacy and Ease of Convenience of the Real Time Payments
  • 5.2 Market Challenges
    • 5.2.1 Payment Fraud and Security Issues With Instant Payments
  • 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 Latin America
    • 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 Brazil
    • 6.2.2 Mexico
    • 6.2.3 Rest of Latin America

7 Competitive Landscape

  • 7.1 Company Profiles
    • 7.1.1 ACI Worldwide Inc.
    • 7.1.2 Paypal Holdings Inc.
    • 7.1.3 VISA Inc.
    • 7.1.4 Mastercard Inc.
    • 7.1.5 Fiserv Inc.
    • 7.1.6 FIS Global
    • 7.1.7 Paysend PLC
    • 7.1.8 Apple Inc.
    • 7.1.9 SafetyPay
    • 7.1.10 Riya Money Transfer

8 Investment Analysis

9 Future Outlook of the Market