數位付款市場規模、佔有率和成長分析：按產品、交易類型、付款模式、產業和地區分類 - 產業預測，2024-2031 年

2022年數付款市場規模將達到9.61兆美元，2023年將達到10.53兆美元，2031年將達到21.83兆美元，複合年成長率預計將達9.55%。

近年來，智慧型手機和非接觸式交易的普及推動了數位付款的普及。根據SkyQuest的詳細分析，2023年全球約45%的交易將以數位付款方式進行，反映消費者對便利性的強烈偏好。這種趨勢在行動銀行和電子商務廣泛普及的新興經濟體中最為明顯，但在採用行動錢包和付款應用程式的新興市場中也迅速普及。目前的市場參與企業包括 PayPal、Square 和阿里巴巴等知名品牌，以及已經適應這種數位化轉變的傳統金融機構。安全仍然是一個重要因素，推動了先進加密和身份驗證技術的發展，以保護用戶資訊。隨著人工智慧和區塊鏈技術的採用，數位付款市場不斷成長，這些創新將進一步提高付款的效率、安全性和全球覆蓋範圍。

目錄

介紹

• 研究目的
• 定義
• 市場範圍

調查方法

• 資訊採購
• 次要/一級資訊來源
• 市場規模預測
• 市場假設與限制

執行摘要

• 市場概況展望
• 供需趨勢分析
• 按細分市場的機會分析

市場動態及展望

• 市場動態
  • 促進因素
  • 機會
  • 抑制因素
  • 任務
• 波特的分析

主要市場考察

• 技術分析
• 價格分析
• 案例研究分析
• 價值鏈分析
• 專利分析
• 貿易分析
• 客戶和購買標準分析
• 市場生態系統
• 監管環境
• 創新矩陣
• 重點投資分析
• 關鍵成功因素
• 競爭程度

數位付款市場：依產品分類

• 市場概況
• 解決方案
  • 付款閘道
  • 付款處理器
  • 付款錢包
  • POS解決方案
  • 其他解決方案
• 服務
  • 專業服務
• 諮詢
• 執行
• 支援/維護
  • 託管服務

數位付款市場：按交易類型

• 市場概況
• 國內的
• 國際貿易

數位付款市場：按付款模式

• 市場概況
• 卡片
• 數位錢包
• 自動付款所 (ACH) 匯款
• 其他付款方式

數位付款市場：依行業分類

• 市場概況
• BFSI
• 零售/電子商務
• 衛生保健
• IT,ITES
• 通訊
• 旅遊/酒店業
• 運輸/物流
• 媒體娛樂
• 其他行業

數位付款市場規模：按地區分類

• 市場概況
• 北美洲
  • 美國
  • 加拿大
• 歐洲
  • 德國
  • 西班牙
  • 法國
  • 英國
  • 義大利
  • 其他歐洲國家地區
• 亞太地區
  • 中國
  • 印度
  • 日本
  • 韓國
  • 其他亞太地區
• 拉丁美洲
  • 巴西
  • 其他拉丁美洲地區
• 中東和非洲 (MEA)
  • 海灣合作理事會國家
  • 南非
  • 其他中東/非洲地區

競爭格局

• 前5名企業對比
• 主要企業市場定位（2023年）
• 主要市場參與者所採取的策略
• 近期市集活動
• 主要企業市場佔有率（2023年）

主要企業簡介

• PayPal（US）
• Alipay（China）
• WeChat Pay（China）
• Visa Inc.（US）
• Mastercard Inc.（US）
• American Express Co.（US）
• Apple Pay（US）
• Google Pay（US）
• Samsung Pay（South Korea）
• Square Inc.（US）
• Stripe Inc.（US）
• Paytm（India）
• Skrill（United Kingdom）
• TransferWise（Estonia）
• Dwolla Inc.（US）
• Venmo（US）
• Zelle（US）
• Amazon Pay（US）
• QuickPay（Denmark）
• Klarna（Sweden）

Digital Payment Market size was valued at USD 9.61 Trillion in 2022, USD 10.53 Trillion in 2023 and is projected to grow USD 21.83 Trillion by 2031, growing at a CAGR of 9.55% in the forecast period (2024-2031).

In recent years, the surge in digital payments has been driven by the growing use of smartphones and the popularity of contactless transactions. According to SkyQuest's detailed analysis, approximately 45% of global transactions in 2023 were conducted through digital payment methods, reflecting a strong consumer preference for convenience. This trend is most pronounced in developed economies where mobile banking and e-commerce are prevalent, but it is also rapidly gaining traction in emerging markets that are adopting mobile wallets and payment applications. Current market players include established names such as PayPal, Square, and Alibaba, alongside traditional financial institutions that have adapted to this digital shift. Security remains a crucial factor, driving the development of advanced encryption and authentication techniques to protect user information. As the digital payments market continues to grow, driven by the adoption of AI and blockchain technologies, these innovations will further enhance payment efficiency, security, and global reach.

Top-down and bottom-up approaches were used to estimate and validate the size of the Global Digital Payment market and to estimate the size of various other dependent submarkets. The research methodology used to estimate the market size includes the following details: The key players in the market were identified through secondary research, and their market shares in the respective regions were determined through primary and secondary research. This entire procedure includes the study of the annual and financial reports of the top market players and extensive interviews for key insights from industry leaders such as CEOs, VPs, directors, and marketing executives. All percentage shares split, and breakdowns were determined using secondary sources and verified through Primary sources. All possible parameters that affect the markets covered in this research study have been accounted for, viewed in extensive detail, verified through primary research, and analyzed to get the final quantitative and qualitative data.

Global Digital Payment Market Segmental Analysis

The digital payment market is segmented into Offering, Transaction Type, Payment Mode, Vertical, and Region. Based on Offering, the market is segmented into Solutions (Payment Gateways, Payment Processors, Payment Wallet, Point-of-sale Solutions, Others), Services (Professional Services [Consulting, Implementation, Support & Maintenance], Managed Services). Based on Transaction Type, the market is segmented into Domestic and Cross Border. Based on Payment Mode, the market is segmented into Cards, Digital Wallet, Automatic Clearing House (ACH) Transfer, and Others. Based on Vertical, the market is segmented into BFSI, Retail & Ecommerce, Healthcare, IT & ITES, Telecom, Travel & hospitality, Transportation & Logistics, Media & Entertainment, and Others. By region, the market is segmented into North America, Europe, Asia-Pacific, Middle East and Africa, and Latin America.

Drivers of the Global Digital Payment Market

As online shopping continues to evolve, the demand for improved payment and security systems grows. The rise in e-commerce popularity has led to increased consumer preference for convenient, time-efficient payment methods. Payment gateways and digital wallets have streamlined the checkout process, catering to varied shopping habits and preferences. Major e-commerce players like Amazon and Alibaba are driving this trend by incorporating digital payment solutions into their platforms. These companies are encouraging consumers to opt for online transactions, further promoting the adoption of digital payment methods and enhancing the overall shopping experience.

Restraints in the Global Digital Payment Market

The diverse regulatory frameworks across regions present significant challenges for digital payment providers. Inconsistent compliance requirements from country to country impact market access and performance for multinational companies. Adapting to evolving regulations can be time-consuming and costly, acting as a barrier to market entry in certain jurisdictions. These challenges highlight the need for better coordination between governments and industry players, as well as the development of robust policies to support the advancement of sustainable digital payment systems worldwide.

Market Trends of the Global Digital Payment Market

A notable advancement in the digital payment market is the adoption of facial recognition technology. Biometric security methods, such as fingerprint scanning, facial recognition, and voice recognition, are gaining traction as alternatives to traditional codes and passwords. These technologies enhance security by using unique physiological identifiers for transaction authentication, reducing the risk of fraud and improving user convenience. As trust in biometric technology grows and regulatory frameworks evolve, it is anticipated that biometric authentication will become a standard feature in digital payment systems globally, leading to broader implementation across various industries.

Table of Contents

Introduction

• Objectives of the Study
• Definitions
• Market Scope

Research Methodology

• Information Procurement
• Secondary & Primary Data Sources
• Market Size Estimation
• Market Assumptions & Limitations

Executive Summary

• Market Overview Outlook
• Supply Demand Trend Analysis
• Segmental Opportunity Analysis

Market Dynamics & Outlook

• Market Dynamics
  • Drivers
  • Opportunities
  • Restraints
  • Challenges
• Porters Analysis
  • Competitive rivalry
  • Threat of Substitute Products
  • Bargaining Power of Buyers
  • Threat of New Entrants
  • Bargaining Power of Suppliers

Key Market Insights

• Technology Analysis
• Pricing Analysis
• Case Study Analysis
• Value Chain Analysis
• Patent Analysis
• Trade Analysis
• Customer & Buying Criteria Analysis
• Ecosystem of the Market
• Regulatory Landscape
• Innovation Matrix
• Top Investment Analysis
• Key Success Factor
• Degree of Competition

Global Digital Payment Market by Offering

• Market Overview
• Solutions
  • Payment gateways
  • Payment processors
  • Payment wallet
  • Point-of-sale solutions
  • Other solutions
• Services
  • Professional services
• Consulting
• Implementation
• Support & Maintenance
  • Managed services

Global Digital Payment Market by Transaction type

• Market Overview
• Domestic
• Cross border

Global Digital Payment Market by Payment Mode

• Market Overview
• Cards
• Digital wallet
• Automatic clearing house (ACH) transfer
• Other payment modes

Global Digital Payment Market by Vertical

• Market Overview
• BFSI
• Retail & ecommerce
• Healthcare
• IT & ITES
• Telecom
• Travel & hospitality
• Transportation & logistics
• Media & entertainment
• Other verticals

Global Digital Payment Market Size by Region

• Market Overview
• North America
  • USA
  • Canada
• Europe
  • Germany
  • Spain
  • France
  • UK
  • Italy
  • Rest of Europe
• Asia Pacific
  • China
  • India
  • Japan
  • South Korea
  • Rest of Asia-Pacific
• Latin America
  • Brazil
  • Rest of Latin America
• Middle East & Africa (MEA)
  • GCC Countries
  • South Africa
  • Rest of MEA

Competitive Landscape

• Top 5 Player Comparison
• Market Positioning of Key Players, 2023
• Strategies Adopted by Key Market Players
• Recent Activities in the Market
• Key Companies Market Share (%), 2023

Key Company Profiles

• PayPal (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Alipay (China)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• WeChat Pay (China)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Visa Inc. (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Mastercard Inc. (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• American Express Co. (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Apple Pay (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Google Pay (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Samsung Pay (South Korea)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Square Inc. (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Stripe Inc. (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Paytm (India)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Skrill (United Kingdom)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• TransferWise (Estonia)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Dwolla Inc. (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Venmo (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Zelle (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Amazon Pay (US)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• QuickPay (Denmark)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Klarna (Sweden)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments