帳單分攤應用市場：現況分析與預測（2024-2032）

Bill Splitting App Market: Current Analysis and Forecast (2024-2032)

出版日期: 2024年05月01日 | 出版商:

UnivDatos Market Insights Pvt Ltd | 英文 120 Pages | 商品交期: 最快1-2個工作天內

價格

簡介目錄

由於生活方式的改變和共享經濟的擴張，帳單分攤應用市場預計將以約 7.24% 的複合年增長率成長。由 Uber 和 Airbnb 等平台推動的共享經濟正在重塑消費者行為。人們越來越多地共享資源，包括費用。此外，千禧世代和 Z 世代正在發生重大文化轉變，將體驗置於物質財富之上。他們經常參加社交活動、旅行以及與朋友和同事一起外出用餐。例如，根據世界旅遊組織的預測，到2030年，國際遊客人數預計將達到18億人次，2020年至2030年的複合年增長率為3.3%。帳單分攤應用程式提供了一個無縫的解決方案來平均分攤費用，迎合他們的協作和精通技術的生活方式。此外，許多帳單分攤應用程式與 Venmo、PayPal 和 Apple Pay 等流行的數位支付平台集成，為用戶提供無縫體驗。這種整合增強了應用程式的功能，使其對已經熟悉這些支付解決方案的用戶更具吸引力。此外，帳單分攤應用程式還提供個人化功能，例如可自訂的支出類別、分攤選項（相等或不相等）以及未結餘額提醒。這些使用者友善的功能有助於提高整體可用性並鼓勵持續使用和採用。

依平台劃分，市場分為Android和iOS。目前，Android平台在分攤應用市場中佔據了大部分市場佔有率，並產生了大部分收入。這主要得益於Android智慧型手機的普及。Android 是全球使用最廣泛的行動作業系統，市佔率約 70%。這一龐大的用戶群為Android平台上的分攤應用程式提供了更大的潛在市場，從而帶來更高的收入。此外，Android 智慧型手機通常比 iOS 智慧型手機便宜，因此更容易被更廣泛的用戶使用，包括新興市場的用戶。這種高水準的可訪問性促進了 Android 平台上帳單分攤應用程式的流行。此外，Android 的開源架構使應用程式開發更加可自訂和靈活。開發人員可以輕鬆地將帳單分攤功能整合到現有應用程式中，或創建適合特定用戶需求的專用應用程序，從而進一步推動採用和收入。最後，除了官方 Google Play 商店之外，Android 用戶還可以存取和安裝來自各種第三方應用程式商店和來源的應用程式。這種多樣化的產品生態系統擴大了帳單分攤應用程式的可發現性和覆蓋範圍，有助於它們在 Android 平台上的成長。這些因素正在改善環境並提高 Android 平台上帳單分攤應用程式的受歡迎程度。

依最終用戶劃分，市場分為住宅用戶和商業用戶。目前，大部分市場面向個人用戶。隨著城市化進程的推進和生活成本的上升，越來越多的人選擇合租或群居，以分攤房租、水電費等家庭開支。帳單分攤應用程式提供了一種方便的方式來輕鬆追蹤、計算和支付這些共享費用，使它們在室友和室友中更受歡迎。例如，根據Rent.com的一項調查，美國大約32%的租屋者與室友或共居。此外，朋友、家人和熟人團體廣泛使用分攤應用程式來一起旅行和參與聯合活動，例如外出用餐、參加活動和追求愛好。這些應用程式可以簡化團體成員之間公平分配和結算共享費用的過程。此外，帳單分攤應用程式還提供用戶友好的介面、自動計算以及與 PayPal、Venmo 和銀行應用程式等支付網關的無縫整合。這種便利性對重視無憂費用管理和付款的個人用戶很有吸引力。這些發展以及其他方面的發展促進了個人帳單分攤應用程式的日益普及，使它們成為最有可能促進帳單分攤應用程式成長的細分市場。

為了更瞭解TLS 的市場採用情況，我們將市場分為北美（美國、加拿大、北美其他地區）、歐洲（德國、英國、法國、西班牙、義大利、歐洲其他地區）、亞太地區（中國、日本、印度）、韓國、亞太地區其他地區）和世界其他地區。北美，尤其是美國，佔據了帳單分攤應用程式市場的大部分佔有率，並且是此類應用程式的最大採用者。有幾個因素促使了這種流行。北美尤其是美國科技水準較高，智慧型手機廣泛使用。智慧型手機的高普及率正在推動行動應用程式的採用，包括帳單分攤應用程式。此外，北美外食文化的滲透是推動分攤應用成長的一個主要因素。例如，根據National Restaurant Association of the USA 2024年2月發佈的報告，餐飲業銷售額預計將首次突破1兆美元，成為美國第二大私部門僱主。。外出用餐文化的興起催生了對便捷支付解決方案的需求，例如可以簡化朋友和同事之間分攤帳單流程的分攤應用程式。此外，由於信用卡/金融卡和行動支付解決方案的普及，向無現金支付的轉變在美國變得越來越明顯。這種無現金支付趨勢與帳單分攤應用程式的使用相吻合，這些應用程式通常與行動支付平台整合。這些是促進高成長場景並影響帳單分攤應用程式滲透率的一些因素，尤其是在北美。

在該市場營運的主要公司包括 Splitwise、Tricount、PayPal、Inc.Block, Inc.、Apple, Inc.、Bring10, LLC.、Step Up Labs, Inc.、Split、Billr 和 BillBuddy。

Bill-splitting apps are mobile applications designed to simplify the process of dividing and tracking shared expenses among friends, roommates, or groups. The core purpose of these apps is to eliminate the hassle of manually calculating who owes what and ensuring everyone pays their fair share. The primary function of a bill-splitting app is to create a centralized platform where users can record shared expenses, such as rent, utilities, groceries, restaurant bills, or travel costs.

The Bill Splitting App Market is expected to grow at a strong CAGR of around 7.24% owing to the changing lifestyle dynamics and growing sharing economy. The sharing economy, facilitated by platforms like Uber and Airbnb, has reshaped consumer behavior. People are more inclined to share resources, including expenses. Furthermore, millennials and Generation Z are driving a significant cultural shift, prioritizing experiences over material possessions. They frequently engage in social activities, travel, and dining out with friends and colleagues. For instance, According to the World Tourism Organization, international tourist arrivals are expected to reach 1.8 billion by 2030, growing at an average annual rate of 3.3% from 2020 to 2030. Bill splitting apps offer a seamless solution to evenly distribute expenses, catering to their collaborative and tech-savvy lifestyles. Additionally, many bill-splitting apps have integrated with popular digital payment platforms like Venmo, PayPal, and Apple Pay, providing users with a seamless experience. This integration enhances the app's functionality and makes it more appealing to users who are already familiar with these payment solutions. Moreover, bill-splitting apps offer personalized features, such as customizable expense categories, split options (equal or unequal), and reminders for unsettled balances. These user-friendly features contribute to a better overall experience, encouraging continued usage and adoption.

Based on the platform, the market is bifurcated into Android and iOS. Android platform currently holds the majority share of the bill-splitting apps market and generates a significant portion of the revenue. Primarily due to the widespread adoption of Android smartphones. Android is the most widely used mobile operating system globally, with a market share of approximately 70%. This vast user base provides a larger potential market for bill-splitting apps on the Android platform, translating into higher revenue generation. Furthermore, Android smartphones are generally more affordable than their iOS counterparts, making them accessible to a broader range of users, including those in emerging markets. This accessibility factor contributes to the increased adoption of bill-splitting apps on the Android platform. Additionally, Android's open-source architecture allows for greater customization and flexibility in app development. Developers can easily integrate bill-splitting functionalities into existing apps or create dedicated apps tailored to specific user needs, further driving adoption and revenue. Lastly, in addition to the official Google Play Store, Android users can access and install apps from various third-party app stores and sources. This diverse distribution ecosystem increases the discoverability and reach of bill-splitting apps, contributing to their growth on the Android platform. Factors such as these are fostering a conducive environment, inducing growth in the adoption of bill-splitting apps on Android platforms.

Based on end-users, the market is categorized into personal users and commercial users. The personal users segment currently accounts for the majority share of the market. With increasing urbanization and higher costs of living, more people are opting for shared housing or group living situations to split rent, utilities, and other household expenses. Bill splitting apps offer a convenient way to track, calculate, and settle these shared expenses easily, driving their adoption among roommates and housemates. For instance, according to a survey done by Rent.com, around 32% of renters in the US live with roommates or shared housing arrangements. Furthermore, bill-splitting apps are widely used by groups of friends, families, or acquaintances when traveling together or engaging in shared activities like dining out, attending events, or pursuing hobbies. These apps simplify the process of fairly dividing and settling shared expenses among group members. Additionally, bill-splitting apps offer a user-friendly interface, automated calculations, and seamless integration with payment gateways like PayPal, Venmo, or banking apps. This convenience factor appeals to personal users who value hassle-free expense management and settlement. These developments, among others, have contributed to the growing popularity of bill-splitting apps for personal use, establishing the segment as the largest contributor to the growth of bill-splitting apps.

For a better understanding of the market adoption of TLS, the market is analyzed based on its worldwide presence in countries such as North America (The U.S., Canada, and the Rest of North America), Europe (Germany, The U.K., France, Spain, Italy, Rest of Europe), Asia-Pacific (China, Japan, India, South Korea, Rest of Asia-Pacific), Rest of World. North America, particularly the United States, holds the majority share of the bill-splitting app market and stands out as the largest adopter of such apps. Several factors contribute to this widespread adoption. North America, especially the U.S., has a high level of technological advancement and widespread smartphone usage. This high smartphone penetration rate facilitates the adoption of mobile apps, including bill-splitting apps. Furthermore, the prevalent dining-out culture of North America is a major factor driving the growth of bill-splitting apps. For instance, in February 2024, as per the report released by the National Restaurant Association of the USA, It is projected that sales of the restaurant industry are anticipated to exceed USD 1 trillion for the first time, while the country's second-largest private sector employer is expected to increase its workforce by 200,000, bringing the total employment to 15.7 million individuals. This thriving dining-out culture creates a demand for convenient payment solutions, such as bill-splitting apps, which simplify the process of splitting bills among friends or colleagues. Additionally, America has witnessed a significant shift towards cashless payments, driven by the widespread adoption of credit/debit cards and mobile payment solutions. This cashless payment trend aligns with the use of bill-splitting apps, which often integrate with mobile payment platforms. These are some of the factors, among others, fostering a high growth scenario and influencing the widespread adoption of bill-splitting apps in North America.

Some of the major players operating in the market include Splitwise; Tricount; PayPal, Inc. Block, Inc.; Apple, Inc.; bring10, LLC.; Step Up Labs, Inc.; Split; Bilr; and BillBuddy

1.MARKET INTRODUCTION

1.1. Market Definitions
1.2. Main Objective
1.3. Stakeholders
1.4. Limitation

2.RESEARCH METHODOLOGY OR ASSUMPTION

2.1. Research Process of the Bill Splitting App Market
2.2. Research Methodology of the Bill Splitting App Market
2.3. Respondent Profile

3.MARKET SYNOPSIS

4.EXECUTIVE SUMMARY

5.IMPACT OF COVID-19 ON THE BILL SPLITTING APP MARKET

6.BILL SPLITTING APP MARKET REVENUE (USD BN), 2022-2032F.

7.MARKET INSIGHTS BY PLATFORM

7.1. Android
7.2. iOS

8.MARKET INSIGHTS BY END-USER

8.1. Private Users
8.2. Commercial Users

9.MARKET INSIGHTS BY REGION

9.1. North America
- 9.1.1. The U.S.
- 9.1.2. Canada
- 9.1.3. Rest of North America
9.2. Europe
- 9.2.1. Germany
- 9.2.2. The UK
- 9.2.3. France
- 9.2.4. Italy
- 9.2.5. Rest of Europe
9.3. Asia-Pacific
- 9.3.1. China
- 9.3.2. India
- 9.3.3. Japan
- 9.3.4. South Korea
- 9.3.5. Rest of Asia-Pacific
9.4. Rest of the World