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市場調查報告書
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1644814

中東和非洲即時付款：市場佔有率分析、行業趨勢、統計數據、成長預測（2025-2030 年）

Middle East and Africa 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

預測期內，中東和非洲的即時付款市場預計將以 13.7% 的複合年成長率成長。

中東和非洲即時支付-市場-IMG1

關鍵亮點

  • 付款系統供應商Checkout.com於2020年12月發布的一項針對阿拉伯聯合大公國、沙烏地阿拉伯、埃及、巴林、約旦、卡達、科威特和巴基斯坦的5,000多名消費者的調查發現，47%的消費者可能會在未來12個月內更頻繁地網路購物。但
  • 中東和非洲的數位付款市場正在迅速成長，許多市場參與企業提供一系列服務。尤其是阿拉伯聯合大公國，行動付款服務的數量正在迅速增加。
  • 根據萬事達卡最新的區域報告《無現金之旅》，63%的零售商表示，採用數位付款增加了商店流量，並使銷售額提高了 68%。此外，該地區正透過 Pay it 等付款方式實現行動金融服務的轉型，阿拉伯聯合大公國所有知名品牌均可使用此支付方式，包括 Sharafdg、Emax、Jumbo、Bodyshop、Babyshop、Cineroyal、Novo Cinemas 和 Joyalukkas。
  • 隨著南非人擴大網路購物，數位錢包供應商正在與金融科技合作夥伴開發虛擬付款解決方案。此外，Telkom 還與 Mastercard、Nedbank 和領先的金融科技合作夥伴 Ukheshe Technologies 合作推出了虛擬儲值卡。
  • 在新冠肺炎疫情期間，中東消費者採用了即時付款方式。由於許多銀行和電子商務網站為客戶提供即時付款的便利，該地區的即時付款使用量激增。

中東和非洲的即時付款市場趨勢

智慧型手機普及率上升推動市場成長

  • 隨著越來越多的通訊業者推出價格實惠的智慧型手機並增加融資選擇以及行動寬頻普及率的提高，該地區的智慧型手機普及率繼續快速成長。未來五年，該地區智慧型手機連線數預計將增加約2億，到2025年終將達到5.65億，普及率約80%。
  • 根據萬事達卡最近的一項調查，未來中東地區的數位付款將快速成長，超過70%的消費者願意使用行動電話付款。向行動端的轉變預計將帶來巨大的經濟效益。
  • 此外，即時付款服務為消費者和企業帶來了一系列好處。用戶通常透過行動應用程式存取這些付款系統，這樣他們就可以向透過行動電話號碼而不是銀行帳戶詳細資訊識別的收款人匯款。此類服務可以滿足那些想要快速簡單地網路購物以及使用行動電話向朋友和實體零售商付款的消費者的需求。有了這些選擇，消費者不再需要攜帶現金或卡片。
  • 例如，沙烏地阿拉伯一家電信業者推出了一款名為「STC Pay」的數位錢包應用程式。
  • 此外，2021年10月，摩洛哥通訊業者宣布已完成5G前導測試，並將很快部署自己的5G網路，以加速該地區整個社會的數位轉型。

阿拉伯聯合大公國佔有最大市場佔有率

  • 隨著數位付款變得越來越普及，預計該地區會有更多企業和消費者採用這些付款。即時付款服務為消費者和企業帶來許多好處。用戶通常透過行動應用程式存取這些即時付款系統，從而可以向透過行動電話號碼而不是銀行帳戶詳細資訊識別的收款人匯款。
  • 企業還可以透過將即時付款與數位發票選項和支付請求功能相結合來簡化 B2B 交易。這些選項可確保企業將相關資料附加到付款中，從而可能加快對帳速度。交易速度的提升也能幫助企業更好地管理流動性。
  • 電子商務的普及正在迅速成長，與現金付款相比，數位付款由於其便利性和安全性更高，在該地區的應用也越來越廣泛。隨著越來越多的消費者透過電子商務購物，消費者似乎也開始接受數位付款。這是因為，顧客擔心透過實體貨幣感染新冠病毒，而不願在實體門市購物。
  • 該地區跨境營運，因此需要更順暢、更便宜、更快捷的付款流程。因此，在該地區推出此類即時付款系統可能會增加並促進市場成長。

中東和非洲即時付款產業概況

中東和北非即時付款市場集中度較高，由少數幾家主要企業主導，包括 Paypal Holdings Inc.、Alphabet Inc.、ACI Worldwide Inc.、三星電子公司和 CIB Bank。這些佔據突出市場佔有率的大公司正致力於擴大海外基本客群。

  • 2022 年 4 月 - 根據其數位策略，摩洛哥計劃透過鼓勵對通訊領域的直接投資，在非洲大陸建立數位技術領域的主導樞紐。
  • 2021 年 6 月-南非有線和無線通訊業者Telkom 推出了一款虛擬卡，可供其數位錢包 Telkom Pay 用戶在 WhatsApp 上使用，並與萬事達卡、萊利銀行和領先的金融科技支援合作夥伴 Ukheshe Technologies 合作推出了虛擬儲值卡。

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
  • 國內付款環境的演變
  • 與日本無現金交易擴張相關的主要市場趨勢
  • COVID-19 對該國付款市場的影響

第5章 市場動態

  • 市場促進因素
    • 智慧型手機的普及
    • 減少對傳統銀行業務的依賴
    • 提高便利性
  • 市場問題
    • 付款詐騙
    • 對現金的依賴
  • 市場機會
    • 政府鼓勵數位付款成長的政策預計將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
    • 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
  • 現實世界付款交易佔比及主要國家交易量及金額區域分析
  • 主要國家地區實際付款交易與非現金交易比例及交易量分析

第6章 市場細分

  • 依付款類型
    • P2P
    • P2B
  • 按國家
    • 沙烏地阿拉伯
    • 阿拉伯聯合大公國
    • 肯亞
    • 奈及利亞
    • 其他中東和非洲地區

第7章 競爭格局

  • 公司簡介
    • Paypal Holdings Inc.
    • Samsung Corporation
    • ACI Worldwide Inc.
    • CIB Bank
    • Alphabet Inc.
    • Apple Inc.
    • Fiserve Inc.
    • Fawry
    • Mastercard Inc.
    • VISA Inc.
    • Saudi Digital Payment Company
    • Denarii Cash

第8章投資分析

第9章：未來市場展望

簡介目錄
Product Code: 91141

The Middle East and Africa Real Time Payments Market is expected to register a CAGR of 13.7% during the forecast period.

Middle East and Africa Real Time Payments - Market - IMG1

Key Highlights

  • A study published by Checkout.com, a payment systems provider, in December 2020, which surveyed over 5000 consumers in the UAE, Saudi Arabia, Egypt, Bahrain, Jordan, Qatar, Kuwait, and Pakistan, found that 47% of consumers are likely to shop online more frequently over the next year. However,
  • The Middle East and Africa region is witnessing a burgeoning digital payment market with many market players offering various services. The United Arab Emirates (UAE), in particular, has observed a boom in the number of available mobile payment services.
  • Mastercard's recent report in the region "The Cashless Journey" stated that 63% of the retailers claimed an increase in foot traffic with a 68% increase in revenue with the acceptance of digital payments. Further, in the region, mobile financial services' transformation has been witnessed through payment methods such as Pay it, which is accepted across all the big brands in the UAE like Sharafdg, Emax, Jumbo, and Bodyshop, Babyshop, Cineroyal, Novo Cinemas, Joyalukkas.
  • With the rise in online shopping among South Africans, digital wallet providers are developing virtual payment solutions with fintech partners. Further, Telkom collaborated with Mastercard, Nedbank, and leading fintech enablement partner Ukheshe Technologies to launch this virtual prepaid card.
  • During the Covid -19 pandemic, consumers over the Middle East have adopted real-time payment methods. Many banks and E-commerce websites have offered customers the convenience of using real-time payment methods, which has resulted in an upsurge in using Real-time payments in the region.

MEA Real Time Payments Market Trends

Increased Smartphone Penetration to Drive the Market Growth

  • Smartphone adoption in the region continues to grow rapidly as many operators introduce affordable smartphones with more financing options, leading to increased mobile broadband adoption. Over the next five years, there would be about 200 million additional smartphone connections in the region, taking the total to 565 million by the end of 2025, at an adoption rate of almost 80%.
  • A recent survey from MasterCard indicates that digital payments in the Middle East will increase rapidly with over 70% and stating that consumers were willing to use mobile phones to make payments. The shift to mobile will be causing a tremendous economic impact.
  • Additionally, immediate payment services provide various benefits to consumers and businesses alike. Users can often access such payment systems through mobile apps that allow them to send money to recipients identified by their mobile phone numbers rather than their bank account details. Such services can satisfy consumers who want fast, easy ways to shop online as well as those who use their mobile phones to pay for friends or brick-and-mortar retailers. Such options can spare consumers from carrying cash or cards.
  • For instance, Saudi Arabia's telecommunications company launched a digital wallet app, STC Pay, which allows people to send money to other users and pay restaurants and stores digitally.
  • Further, in October 2021, Morocco's telecommunication operators announced that they had completed pilot tests for 5G and soon will deploy its own 5G network and seeks to accelerate the region's whole-of-society digital transformation.

United Arab Emirates to hold largest Market share

  • As digital payment options continue to grow in popularity, an increasing number of businesses and consumers are expected to adopt these payments in the region. Immediate payment services can confer a multitude of benefits to consumers and businesses. Users can often access such real-time-payment systems via mobile apps that allow them to send money to recipients identified by their mobile phone numbers rather than their bank account details, whereas 71% of UAE consumers are already using digital methods to make payments in stores.
  • Businesses also have the opportunity to streamline B2B transactions by pairing real-time payments with digital invoicing options and request-to-pay features. These options could help companies ensure that their payments are attached to relevant data, leading to swifter reconciliation. Accelerated transaction speeds can also help firms better manage liquidity.
  • The adoption of E-commerce has been proliferating, which favors the use of digital payments in the region due to the increased convenience and security compared to that when using cash. Consumers also appear to be receptive to the usage of digital payments, as many shoppers turn to e-commerce for their purchasing needs. As Customers were reluctant to purchase from offline stores due to fear of contracting COVID-19 through physical money.
  • As the region is operating cross-border, it requires smoother, cheaper, and quicker payment processes. Hence, launching such a real-time payment system in the region is likely to increase and drive market growth.

MEA Real Time Payments Industry Overview

The Middle East & North Africa, the Real-Time payments market is moderately concentrated and dominated by a few major players like Paypal Holdings Inc., Alphabet Inc., ACI Worldwide Inc., Samsung Electronics Inc., and CIB Bank. These major players, with a prominent share in the market, are focusing on expanding their customer base across foreign countries.

  • April 2022 - Maroc, as per its Digital strategy, is planning to establish a leading hub in the field of digital technologies on the African continent by encouraging foreign investments directly in the telecommunications sector, So it can easily accelerate the transformation of digital society.
  • June 2021 - South African wireline and wireless telecommunications provider Telkom introduced a virtual card for use on WhatsApp for its digital wallet, Telkom Pay, users and has collaborated with Mastercard, Nedbank, and leading fintech enablement partner Ukheshe Technologies to launch this virtual prepaid card.

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

5 MARKET DYNAMICS

  • 5.1 Market Drivers
    • 5.1.1 Increased Smartphone Penetration
    • 5.1.2 Falling Reliance on Traditional Banking
    • 5.1.3 Ease of Convenience
  • 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 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 Saudi Arabia
    • 6.2.2 United Arab Emirates
    • 6.2.3 Kenya
    • 6.2.4 Nigeria
    • 6.2.5 Rest of Middle-East and Africa

7 COMPETITIVE LANDSCAPE

  • 7.1 Company Profiles
    • 7.1.1 Paypal Holdings Inc.
    • 7.1.2 Samsung Corporation
    • 7.1.3 ACI Worldwide Inc.
    • 7.1.4 CIB Bank
    • 7.1.5 Alphabet Inc.
    • 7.1.6 Apple Inc.
    • 7.1.7 Fiserve Inc.
    • 7.1.8 Fawry
    • 7.1.9 Mastercard Inc.
    • 7.1.10 VISA Inc.
    • 7.1.11 Saudi Digital Payment Company
    • 7.1.12 Denarii Cash

8 INVESTMENT ANALYSIS

9 FUTURE OUTLOOK OF THE MARKET