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市場調查報告書
商品編碼
1363925
全球企業對企業 (B2B) 數位支付市場 2023-2030Global Business-to-Business (B2B) Digital Payment Market 2023-2030 |
全球B2B數位支付市場根據解決方案、支付方式、垂直行業和技術進行細分。根據此解決方案,市場分為支付閘道器、支付處理、行動支付應用程式等。依支付方式,市場分為銀行卡、數位錢包、網路銀行等。此外,根據垂直行業,市場分為 BFSI、醫療保健、IT 和電信、旅遊和酒店、媒體和娛樂、零售和電子商務、交通運輸等。根據交易類型,市場分為國內和跨境。在交易類型中,跨國細分市場預計將佔據相當大的市場佔有率,跨國交易對國際貿易至關重要,因為它們讓企業跨國交換貨幣和商品/服務。過去,這些交易遇到了昂貴的費用、昂貴的貨幣兌換和漫長的結算時間等問題。然而,線上支付方式的擴展。
全球對現金替代品的需求不斷成長以及經濟型信用卡的可用性推動了全球信用卡支付的成長。發卡銀行和其他金融機構提供多種不同的信用卡,包括商務卡、擔保卡、預付卡和數位卡。隨著近場通訊(NFC) 技術的出現,客戶只需在支付終端上刷卡即可快速、安全地進行購買,並且由於COVID-19,隨著客戶和企業尋找非接觸式替代品,這種趨勢愈演愈烈。減少身體接觸。此外,各種企業組織正在向其員工提供信用卡,以追蹤員工在旅行、購買庫存或用品以及其他責任方面的支出,這推動了市場的成長。在許多國家,簽帳金融卡的使用也變得如此普遍,以至於它已經完全取代或超過了支票,在某些情況下甚至超過了現金交易量。
虛擬卡為每筆交易產生獨特的資料,增強安全性並降低詐欺的可能性。這在 B2B 領域尤其重要,因為保密性和可信度是該領域的關鍵。虛擬卡對於供應商關係也很有用,因為它們允許快速、安全的付款。它們與會計軟體的交互作用使對帳和報告變得更加容易,同時提供更好的財務控制。
全球B2B數位支付市場根據地理位置進一步細分,包括北美(美國和加拿大)、歐洲(義大利、西班牙、德國、法國等)、亞太地區(印度、中國、日本、韓國、和其他)以及世界其他地區(中東和非洲以及拉丁美洲)。其中,由於該地區電子商務平台數量不斷增加,預計北美區域市場在預測期內將大幅成長,從而推動線上交易的成長,因為消費者越來越喜歡線上購物使用數位錢包或信用卡而不是現金或金融卡。
預計亞太地區的 B2B 數位支付市場在預測期內將以最高的年複合成長率成長。中國、日本、印度、澳新銀行和亞太其他地區在該地區的 B2B 數位支付市場中做出了巨大貢獻。跨境支付解決方案的創建是為了應對該地區不斷擴大的商業。根據國際貿易管理局 (ITA) 的數據,中國是全球最大的電子商務市場,產生了全球近 50% 的交易量。 2021年,中國跨境電商進出口額達2,730億美元,年增15%。根據中國商務部統計,今年一季度,跨境電商貿易規模達600億美元。此外,由於智慧型手機的普及,行動支付的使用增加,傳統銀行也透過提供專為企業設計的網路銀行來因應。據印度品牌資產基金會(IBEF) 稱,印度智慧型手機基數也顯著增加,預計到2026 年將達到10 億部。這對印度的數位產業有幫助,預計到2030 年將達到1 兆美元。網路用戶的快速成長和智慧型手機的普及加上收入的增加促進了印度電子商務產業的成長。儘管取得了進步,但互通性和不安全性問題仍然存在,凸顯了 B2B 支付生態系統進一步發展的必要性。
服務全球 B2B 數位支付市場的主要公司包括 PayPal Inc.、Fiserv, Inc.、Mastercard International, Inc.、Stripe, Inc.、Visa, Inc. 等。市場參與者透過各種策略(包括併購、合作、合作、融資和新產品發布),為市場成長做出了巨大貢獻,以保持市場競爭力。例如,2023 年 6 月,FIS 宣布與 Visa 建立合作關係,使符合資格的 FIS 英國商家 Worldpay 能夠首次使用 Visa 分期付款結帳功能接受付款。在 Visa 分期付款的協助下,合作夥伴 Visa 發卡機構可以在銷售點為其符合資格的持卡人提供靈活、明確的分期付款選擇。
Title: Global Business-to-Business (B2B) Digital Payment Market Size, Share & Trends Analysis Report by Solution (Payment Gateway, Payment Processing, Mobile Payment Application and Others), by Payment Method (Bank Cards, Digital Wallet, Net Banking, and Others), by Industry Verticals (BFSI, Healthcare, IT & Telecom, Travel and Hospitality, Media & Entertainment, Retail & E-Commerce, Transportation, and Others), and by Transaction Type (Domestic and Cross-border)Forecast Period (2023-2030).
Global B2B digital payment market is anticipated to grow at a CAGR of 15.8% during the forecast period. The primary factor boosting the market growth includes the increase in customer preference for real-time payments globally. Innovative payment methods including peer-to-peer platforms, digital wallets, and blockchain-based payments have all been made possible by the expansion of the fintech industry. These developments have helped to diversify the available B2B digital payment methods. Businesses have been urged to use safe and compliant payment systems by evolving legislation regarding financial transactions and data protection. Additionally, government initiatives are expected increase the demand of online payment and services in B2B globally. These is the another factor fueling the B2B digital payment market.
The global B2B digital payment market is segmented based on the solution, payment method, industry vertical, and technology. Based on the solution, the market is segmented into payment gateway, payment processing, mobile payment application and others. Based on the payment method, the market is sub-segmented into bank cards, digital wallet, net banking and others. Further, based on industry vertical, the market is segmented into BFSI, healthcare, IT & telecom, travel and hospitality, media & entertainment, retail & e-commerce, transportation, and others. Based on transaction type, the market is segmented into domestic and cross-border. Among the transaction type, cross border sub-segment is anticipated to hold a considerable share of the market, cross-border transactions are crucial to international trade since they let companies exchange money and goods/services across borders. In the past, these transactions have had trouble with things like expensive fees, expensive currency conversions, and lengthy settlement timeframes. However, the expansion of online payment methods.
Rising demand for cash alternatives and availability of economical credit cards across the globe boost the growth of the global credit card payment. There are many different credit cards available, including business, secured, prepaid, and digital cards, from issuing banks and other financial institutions. With the advent of near-field communication (NFC) technology, customers may quickly and securely make purchases by merely tapping their credit cards on payment terminals and due to the COVID-19, this tendency has intensified as customers and businesses look for contactless alternatives to reduce physical touch. In addition, various corporate organizations are providing credit cards to their employees for keeping tracks on employee spending on travel, purchases of inventory or supplies, and other responsibilities, which is propelling the growth of the market. Debit card usage has also grown so pervasive in a number of nations that it has completely replaced or surpassed cheque and, in some cases, cash transaction volume.
Virtual cards produce distinctive data for every transaction, enhancing security and lowering the possibility of fraud. This is especially important in the B2B sector, where secrecy and trustworthiness are key. Virtual cards are also useful for supplier relationships since they allow for quick and secure payments. Their interaction with accounting software makes reconciliation and reporting easier while providing better financial control.
The global B2B digital payment market is further segmented based on geography including North America (the US, and Canada), Europe (Italy, Spain, Germany, France, and Others), Asia-Pacific (India, China, Japan, South Korea, and Others), and the Rest of the World (the Middle East &Africa, and Latin America). Among these, the North American regional market is expected to grow considerably over the forecast period owing to the growing number of e-commerce platforms in the region, in turn contributing to the growth of the online transaction as consumers are increasingly preferring to make online purchases using their digital wallet or credit cards instead of cash or debit cards.
Asia-Pacific region is expected to grow with highest CAGR in the B2B digital payment market during the forecast period. China, Japan, India, ANZ, and the rest of Asia-Pacific are contributing significantly in the B2B digital payment market in the region. Cross-border payments solution have been created to handle the region's expanding commerce. As per International Trade Administration (ITA) China is the largest e-commerce market globally, generating almost 50 percent of the world's transactions. China's cross-border e-commerce imports and exports increased 15% Y-o-Y to $273 billion in 2021. In the first quarter this year, cross-border e-commerce trade scale hit $60 billion, according to the PRC Ministry of Commerce. Additionally due to growing penetration of smartphone, mobile payment use has increased, and traditional banks have responded by providing online banking specifically designed for companies. According to India Brand Equity Foundation (IBEF) India smartphone base has also increased significantly and is expected to reach 1 billion by 2026. This has helped India's digital sector and it is expected to reach $1 trillion by 2030. This rapid rise in internet users and smartphone penetration coupled with rising incomes has assisted the growth of India's e-commerce sector. Despite advancements, problems with interoperability and insecurity persist, highlighting the necessity of further development in the B2B payment ecosystem.
The major companies serving the global B2B digital payment market include PayPal Inc., Fiserv, Inc., Mastercard International, Inc., Stripe, Inc., Visa, Inc., and others. The market players are considerably contributing to the market growth by the adoption of various strategies including mergers and acquisitions, partnerships, collaborations, funding, and new product launches, to stay competitive in the market. For instance, in June 2023, FIS announced a partnership with Visa to enable eligible Worldpay from FIS UK merchants to accept payments by using the Visa Instalments checkout functionality for the first time. With the help of Visa Instalments, partner Visa card issuers may provide their eligible cardholders with flexible and clear instalment payment alternatives at the point of sale.