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市場調查報告書
商品編碼
1666219
非洲非接觸式支付市場規模及預測 2021 - 2031、區域佔有率、趨勢和成長機會分析報告範圍:按組成部分、支付方式、垂直行業和國家/地區Africa Contactless Payments Market Size and Forecast 2021 - 2031, Regional Share, Trend, and Growth Opportunity Analysis Report Coverage: By Component, Payment Mode, Industry Verticals and Country |
2023 年非洲非接觸式支付市場規模價值 7.8172 億美元,預計到 2031 年將達到 15.3657 億美元;預計 2023 年至 2031 年的複合年成長率為 8.8%。
非洲非接觸式支付市場分為六個主要國家—南非、衣索比亞、埃及、奈及利亞和非洲其他地區。 2023 年,奈及利亞佔據市場主導地位,其次是南非和埃及。根據 ACI Worldwide 2024 年即時黃金時段報告,奈及利亞在 2022 年至 2023 年期間的即時數位交易成長了 54%,鞏固了其在非洲即時支付量和成長領先地位。 2021 年 3 月,奈及利亞銀行間結算系統 (NIBSS) 推出了國家即時支付計劃 (NQR),建立了可互通的2D碼標準,這是實現無縫個人對企業 (P2B) 和個人對個人 (P2P) 支付的關鍵促進因素。因此,2023 年即時支付佔奈及利亞所有交易的 27.7%,預計到 2028 年將成長 50.1% 即時支付正在迅速成為現金的可行替代品,現金一直是該國歷史上的主要支付方式。
根據 Visa 和 Discovery Bank 的 SpendTrend23 報告,南非目前在非洲擁抱非接觸式支付方面處於領先地位。 Visa 南非公司區域經理表示,近場通訊 (NFC) 支付的採用最初是在新冠肺炎疫情期間獲得發展的,以最大限度地減少身體接觸。此外,由於其方便用戶使用的特性,它經歷了顯著的成長。政府強調,2021-2022 年期間,全球 72% 的面對面交易和南非 50% 以上的數位交易都是非接觸式的。該經理介紹說,非接觸式支付和行動支付在南非消費者中越來越受歡迎。
根據萬事達卡《2022 年新支付指數》,埃及正在加速採用更廣泛的數位支付方式,科技推動支付的未來。除了了解數位卡、先買後付(BNPL)和開放銀行等解決方案之外,埃及消費者擴大將這些工具納入他們的日常交易中。報告顯示,過去一年(即 2021 年),埃及 88% 的消費者使用過至少一種新興支付方式。此外,消費者正在擴大購買管道,擴大透過語音助理和社群媒體平台進行交易。
依行業垂直,市場分為零售、酒店、醫療保健、運輸和物流、媒體和娛樂等。 2023 年,零售業在非洲非接觸式支付市場中佔有最大的佔有率。這項技術也被稱為即觸即用或輕觸,自 20 世紀 90 年代就已經存在,並且已經擴展到全球眾多銀行、信用卡公司、商家和零售商。越來越多的商家接受非接觸式支付,促進了非接觸式支付在零售業的廣泛應用,目前南非、加納和柬埔寨等國家超過一半的零售商都接受非接觸式支付。行動錢包應用程式和穿戴式裝置的出現促進了非接觸式交易的進行,推動了該技術日益普及並對零售業產生了深遠影響。
在運輸和物流領域,非接觸式支付方式的採用顯著增加,以簡化和改善一系列服務的支付流程。非接觸式支付從根本上改變了乘客乘坐公共交通支付車費的方式。該技術已融入交通和物流的各個方面,包括公共交通旋轉閘機、停車場結帳終端、道路收費以及公車、地鐵和火車票的購買。在運輸和物流中使用非接觸式支付方式有幾個顯著的優勢,包括提高吞吐量、減少客戶等待時間以及建立更有效率、更方便用戶使用的支付體驗。
Visa、Mastercard、IBA Group、Giesecke + Devrient GmbH、IDEMIA、CityCard Technology Ltd、EcoCash、Ingenico、Nedbank Ltd 和 Sudo Africa, Inc 是本次市場研究中介紹的非洲非接觸式支付市場的主要參與者。
非洲非接觸式支付市場的整體規模是透過一手資料和二手資料得出的。我們利用內部和外部資源進行了詳盡的二手研究,以獲得與非洲非接觸式支付市場規模相關的定性和定量資訊。該過程還有助於獲得有關所有細分市場的市場概況和預測。此外,我們也對產業參與者進行了多次初步訪談,以驗證資料並獲得分析見解。這個流程包括副總裁、業務發展經理、市場情報經理和國家銷售經理等行業專家,以及估值專家、研究分析師和關鍵意見領袖等外部顧問,專門研究非洲非接觸式支付市場。
The Africa contactless payments market size was valued at US$ 781.72 million in 2023 and is expected to reach US$ 1536.57 million by 2031; it is estimated to record a CAGR of 8.8% from 2023 to 2031.
The Africa contactless payments market is segmented into six major countries- South Africa, Ethiopia, Egypt, Nigeria, and the Rest of Africa. Nigeria dominated the market in 2023, followed by South Africa and Egypt, respectively. As per the ACI Worldwide 2024 Prime Time for Real-Time report, Nigeria registered a 54% growth in real-time digital transactions between 2022 and 2023, solidifying its position as the leader in Africa for real-time payment volume and growth. The introduction of the National Instant Payment Scheme (NQR) by the Nigeria Inter-Bank Settlement System (NIBSS) in March 2021, which established an interoperable QR-code standard, is a key driver in enabling seamless Person-to-Business (P2B) and Person-to-Person (P2P) payments. As a result, real-time payments accounted for 27.7% of all transactions in Nigeria in 2023, projected to rise by 50.1% by 2028. Real-time payments are rapidly emerging as a viable alternative to cash, which has been a dominant payment method historically in the country
As per the SpendTrend23 report by Visa and Discovery Bank, South Africa is currently at the forefront of embracing contactless payments in Africa. According to the Country Manager for Visa South Africa, the adoption of near-field communication (NFC) payments initially gained momentum during the COVID-19 pandemic to minimize physical contact. Moreover, it has experienced significant growth due to its user-friendly nature. The Government highlighted that during 2021-2022, 72% of all in-person transactions globally and over 50% of digital transactions in South Africa were contactless. According to the manager, contactless and mobile payments are increasingly becoming popular among consumers in South Africa.
According to Mastercard's New Payment Index 2022, the adoption of a wider range of digital payment methods is accelerating in Egypt, with technology driving the future of payments. Beyond awareness of solutions such as digital cards, Buy Now Pay Later (BNPL), and open banking, consumers in Egypt are increasingly incorporating these tools into their daily transactions. The report reveals that 88% of consumers in Egypt have utilized at least one emerging payment method in the past year i.e. 2021. Out of this, 35% used tappable smartphone mobile wallets, 27% used digital money transfer apps, and 24% made payments via QR codes. Additionally, consumers are expanding their purchase channels, increasingly making transactions through voice assistants and social media platforms.
Based on industry vertical, the market is categorized into retail, hospitality, healthcare, transportation & logistics, media & entertainment, and others. The retail segment held the largest share in the Africa contactless payments market in 2023. Contactless payment in retail refers to a secure and convenient payment method that enables customers to conduct transactions by tapping a payment card or another device near a point-of-sale terminal equipped with contactless payment technology. This technology, also known as tap-and-go or tap, has been in existence since the 1990s and has since expanded to encompass numerous banks, credit card companies, merchants, and retailers worldwide. The widespread adoption of contactless payment in retail has been facilitated by the increasing number of merchants accepting this form of payment, with over half of retailers in countries such as South Africa, Ghana, and Cambodia currently accepting contactless payments. This trend is supported by the availability of mobile wallet apps and wearable devices that facilitate contactless transactions, contributing to the technology's growing popularity and profound impact on the retail industry.
Within transportation and logistics, there has been a notable rise in the adoption of contactless payment methods for streamlining and improving the payment process across a range of services. Contactless payments have fundamentally transformed the way commuters handle fare payments in public transportation. This technology has been integrated into various facets of transportation and logistics, encompassing public transportation turnstiles, parking garage checkout terminals, road tolls, and the purchase of tickets for buses, subways, and trains. The utilization of contactless payment methods in transportation and logistics yields several significant advantages, including increased throughput, decreased customer waiting times, and the establishment of a more efficient and user-friendly payment experience.
Visa, Mastercard, IBA Group, Giesecke + Devrient GmbH, IDEMIA, CityCard Technology Ltd, EcoCash, Ingenico, Nedbank Ltd, and Sudo Africa, Inc are among the key Africa contactless payments market players that are profiled in this market study.
The overall Africa contactless payments market size has been derived using both primary and secondary sources. Exhaustive secondary research has been conducted using internal and external sources to obtain qualitative and quantitative information related to the Africa contactless payments market size. The process also helps obtain an overview and forecast of the market with respect to all the market segments. Also, multiple primary interviews have been conducted with industry participants to validate the data and gain analytical insights. This process includes industry experts such as VPs, business development managers, market intelligence managers, and national sales managers, along with external consultants such as valuation experts, research analysts, and key opinion leaders, specializing in the Africa contactless payments market.