手機付款的全球市場:付款各類型，交易模式別，各終端用戶，各購買類型，各用途，各地區，範圍及預測

行動支付市場規模及預測

預計2024年行動支付市場規模將達到2.73兆美元，2031年將達24.28兆美元，2024年至2031年複合年增長率為31.41%。行動支付是指使用智慧型手機或平板電腦等行動裝置支付商品和服務費用。消費者可以透過數位方式進行購物和轉賬，無需現金、支票或實體信用卡/金融卡。行動支付利用 NFC、二維碼和行動錢包等技術來實現安全交易。行動支付透過促進無現金交易和消除對實體貨幣的依賴來幫助建立數位經濟。這項變革將提高金融交易的效率、開放性和可追溯性，使企業和消費者受益。

行動支付採用先進的安全措施來保護用戶資料。這包括生物辨識身份驗證（例如 Touch ID 和指紋掃描）、PIN 輸入和雙重認證。

全球行動支付市場動態

塑造全球行動支付市場的主要市場動態

主要驅動因素

政府數位化措施

世界各國政府正透過數位支付平台促進無現金經濟。例如，據 NPCI 稱，印度的統一支付介面 (UPI) 將在 2022 年記錄超過 830 億筆交易，這反映出政府在 "數位印度" 倡議下推動數位支付的背景。

智慧型手機的普及

隨著智慧型手機的普及，行動支付的滲透率也不斷提高。在美國，聯邦儲備委員會（FRB）報告稱，2021年43%的手機用戶將使用行動支付服務，反映出行動支付的廣泛採用。

支持性監理架構

各國政府正在製定有利政策來加強行動支付生態系統。例如，歐盟的 PSD2（修訂後的支付服務指令）簡化了行動支付服務，並促進了整個歐洲的數位支付創新。

消費者對無現金交易的偏好：

由於方便快捷，越來越多的消費者更喜歡無現金支付。 Apple Pay 和 Google Pay 等行動錢包的激增使得數位支付變得更加容易。由於支援家庭支付的數位錢包和行動銀行應用程式日益普及，遠端支付領域預計將佔據很大的銷售額佔有率（2023 年為 53.68%）。

技術進步：

基於聲波的支付等創新正在成為傳統方法的替代方案，允許在沒有網路連線的情況下進行交易。這項技術在使用先進智慧型手機受到限制的地區尤其有用。 NFC和二維碼等行動支付技術的持續發展將使交易更加安全和高效，進一步推動市場成長。

主要挑戰：

技術整合困難：

對於缺乏無縫整合所需的技術專業知識和資源的中小型商家來說，將行動支付解決方案整合到現有業務系統中尤其具有挑戰性。此外，不同支付系統之間的相容性問題可能會對使用者體驗造成摩擦，如果客戶在交易過程中遇到困難，則會導致銷售損失。

市場競爭：

行動支付市場競爭激烈，眾多參與者爭奪市場佔有率，包括銀行、金融科技公司以及蘋果和谷歌等科技巨頭。如此激烈的競爭可能會導致價格戰並降低服務提供者的利潤率。

消費者信任問題：

由於持續存在的安全和隱私問題，建立消費者對行動支付系統的信任仍然是一個挑戰。調查顯示，約50%的消費者在使用行動支付應用程式時擔心個人資訊的安全。

商家接受程度有限：

儘管行動支付日益普及，但到 2023 年，美國祇有約 40% 的小型企業接受行動支付。對於想要使用行動支付購物的消費者來說，這種有限的接受度是一個主要障礙。

主要趨勢：

政府促進數位支付的措施：

世界各國政府都在積極推動數位支付，作為其普惠金融戰略的一部分。例如，印度等國家的統一支付介面 (UPI) 一年內促成了超過 400 億筆交易，這表明監管支援可以加速行動支付的普及化並減少對現金的依賴。

新冠肺炎 (COVID-19) 疫情後非接觸式支付興起

隨著消費者尋求更安全的交易方式以盡量減少身體接觸，COVID-19 大流行大大加速了非接觸式支付方式的採用。萬事達卡的一項研究顯示，疫情期間全球 79% 的消費者選擇了非接觸式支付，導致消費者偏好持續轉向無現金交易。

行動商務激增：

行動商務（M-commerce）的興起是行動支付普及的主要推手。隨著越來越多的消費者使用智慧型手機在線購物，對高效、安全的行動支付選項的需求正在迅速增加。 2022年，全球行動支付交易額將超過2兆美元，顯示購買行為正在快速轉向數位化。

智慧型手機的普及：

智慧型手機的普及是推動行動支付產業的根本催化劑。智慧型手機擁有量在全球範圍內不斷擴大，行動支付應用程式的潛在用戶數量顯著增加，特別是在發展中地區。價格實惠的智慧型手機的出現和網路連線的改善進一步支持了這一趨勢。

目錄

第1章 全球手機付款市場簡介

• 市場概要
• 調查範圍
• 前提條件

第2章 摘要整理

第3章 VERIFIED MARKET RESEARCH的調查手法

• 資料探勘
• 檢驗
• 主要採訪
• 資料來源一覽

第4章 全球手機付款市場展望

• 概要
• 市場動態
  • 促進因素
  • 阻礙因素
  • 機會
• 波特的五力分析
• 價值鏈分析

第5章 全球手機付款市場:付款各類型

• 概要
• 接近型
• 遙控

第6章 手機付款的全球市場:交易模式別

• 概要
• 行動Web付款
• 近距離無線通訊
• SMS/直接電信業者收費
• 其他

第7章 全球手機付款市場:各終端用戶

• 概要
• 個人
• 商務

第8章 手機付款的全球市場:各終端用戶

• 概要
• 通訊費匯款和加值
• 匯款和帳單支付
• 商品和優惠券
• 旅遊和票
• 其他

第9章 手機付款的全球市場:各用途

• 概要
• 媒體&娛樂
• 能源·公共事業
• 醫療保健
• 零售
• 飯店&運輸
• 其他

第10章 手機付款的全球市場:各地區

• 概要
• 北美
  • 美國
  • 加拿大
  • 墨西哥
• 歐洲
  • 德國
  • 英國
  • 法國
  • 其他歐洲
• 亞太地區
  • 中國
  • 日本
  • 印度
  • 其他亞太地區
• 全球其他地區
  • 南美
  • 中東·非洲

第11章 全球手機付款市場:競爭情形

• 概要
• 各公司的市場排行榜
• 主要的發展策略

第11章 企業簡介

• Samsung Group
• Google LLC
• Amazon.com Inc.
• Visa Inc.
• Paypal Inc.
• Orange SA
• Alipay.com Co. Ltd
• American Express Co.
• Apple Inc.
• Mahindra ComViva

第12章 附錄

• 相關調查

Mobile Payment Market Size And Forecast

Mobile Payment Market size was value at USD 2.73 Trillion in 2024 and is projected to reach USD 24.28 Trillion by 2031, growing at a CAGR of 31.41% from 2024 to 2031. Mobile payments refer to the transfer of funds using a mobile device, such as a smartphone or tablet, to pay for goods and services. They allow consumers to make purchases and transfer money digitally without needing cash, checks, or physical credit/debit cards. Mobile payments leverage technologies like NFC, QR codes, and mobile wallets to enable secure transactions. Mobile payment helps to build the digital economy by promoting cashless transactions and eliminating dependency on physical currency. This change improves the efficiency, openness, and traceability of financial transactions, which benefits both businesses and consumers.

Mobile payments utilize advanced security measures to protect user data. These include biometric authentication such as Touch ID or fingerprint scans, PIN input, and two-factor authentication.

Global Mobile Payment Market Dynamics

The key market dynamics that are shaping the global mobile payment market include:

Key Drivers

Government Digitalization Initiatives

: Governments globally are promoting cashless economies through digital payment platforms. For example, India's Unified Payments Interface (UPI) saw over 83 billion transactions in 2022, according to NPCI, driven by the government's push for digital payments under the Digital India initiative.

Increased Smartphone Penetration

: As smartphone usage grows, mobile payment adoption rises. In the U.S., the Federal Reserve reported that 43% of mobile phone owners used mobile payment services in 2021, reflecting widespread accessibility.

Supportive Regulatory Frameworks

: Governments are enacting favorable policies to enhance the mobile payments ecosystem. For example, the European Union's PSD2 (Revised Payment Services Directive) has streamlined mobile payment services and fostered innovation in digital payments across Europe.

Consumer Preferences for Cashless Transactions:

A growing number of consumers prefer cashless payment options due to their convenience and speed. The increasing availability of mobile wallets like Apple Pay and Google Pay facilitates easy access to digital transactions. The remote payment segment is expected to hold a significant revenue share (53.68% in 2023), driven by the rising adoption of digital wallets and mobile banking applications that allow users to make payments from home.

Technological Advancements:

Innovations such as sound wave-based payments are emerging as alternatives to traditional methods, allowing transactions without internet connectivity. This technology is particularly beneficial in regions with limited access to advanced smartphones. The continuous evolution of mobile payment technologies, including NFC and QR codes, enhances transaction security and efficiency, further driving market growth.

Key Challenges:

Technological Integration Difficulties:

Integrating mobile payment solutions into existing business systems can be particularly challenging for smaller merchants who may lack the technical expertise or resources needed for seamless integration. Additionally, compatibility issues between different payment systems can create friction in the user experience, leading to potential loss of sales opportunities if customers encounter difficulties during transactions.

Market Competition:

The mobile payment market is highly competitive, with numerous players vying for market share, including banks, fintech companies, and tech giants like Apple and Google. This intense competition can lead to price wars and reduced profit margins for service providers.

Consumer Trust Issues:

Building consumer trust in mobile payment systems remains a challenge due to ongoing concerns about security and privacy. A survey indicated that approximately 50% of consumers express concerns about the safety of their personal information when using mobile payment applications.

Limited Merchant Acceptance:

Despite the growing popularity of mobile payments, only about 40% of small businesses in the U.S. accepted mobile payments as of 2023. This limited acceptance creates significant barriers for consumers wishing to use mobile payment methods for their purchases.

Key Trends:

Government Initiatives Promoting Digital Payments:

Governments globally are actively promoting digital payments as part of their financial inclusion strategies. For instance, initiatives in countries like India, where the Unified Payments Interface (UPI) facilitated over 40 billion transactions in a single year, demonstrate how regulatory support can drive mobile payment adoption and reduce reliance on cash.

Rise of Contactless Payments Post-COVID-19

: The COVID-19 pandemic significantly accelerated the adoption of contactless payment methods as consumers sought safer transaction options to minimize physical contact. A MasterCard survey indicated that 79% of consumers globally opted for contactless payments during the pandemic, leading to a lasting shift in consumer preferences towards cashless transactions.

Surge in M-commerce Adoption:

The rise of mobile commerce (m-commerce) is a significant driver of mobile payment adoption. As more consumers engage in online shopping using their smartphones, the demand for efficient and secure mobile payment options has surged. The global mobile payments transactions were valued at over USD 2 trillion in 2022, showcasing the rapid shift towards digital purchasing behaviors.

Increasing Smartphone Penetration:

The widespread adoption of smartphones is a fundamental catalyst propelling the mobile payment industry. With smartphone ownership expanding globally, particularly in developing regions, the potential user base for mobile payment applications has vastly increased. This trend is further supported by the availability of affordable smartphones and improved internet connectivity.

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Global Mobile Payment Market Regional Analysis

Here is a more detailed regional analysis of the global mobile payment market.

North America:

North America is expected to dominate the mobile payment market throughout the forecast period, driven by its well-established market dynamics. The growing integration of advanced technologies such as blockchain, biometric authentication, and NFC in smartphones is significantly boosting their usage in daily activities like financial transactions, shopping, billing, and recharging. The robust security features provided by smartphones play a crucial role in promoting the adoption of mobile payments in the region.

Major players in the market, such as Apple Pay and Google Pay, have established a strong presence in North America. Apple's payment service accounted for 92% of all mobile wallet debit transactions in the U.S. in 2020, showcasing its dominance in the space.

The rise of e-commerce has also fueled mobile payment adoption; digital products saw nearly 26.8 million average monthly visits in 2021 in the U.S., reflecting consumers' growing familiarity with online shopping and mobile transactions.

The technological infrastructure in North America is highly advanced, facilitating the adoption of mobile payments. The United States has the highest Average Revenue Per User (ARPU) among all countries, approximately 13 times that of China, indicating a mature market ready for further innovation.

Asia Pacific:

Asia Pacific region is estimated to be the most opportunistic region for the mobile payment Market during the forecast period. The market in this region is expected to exhibit rapid growth due to explosive smartphone penetration among unbanked or underbanked populations,

The rapid urbanization and technological advancements in countries like China and South Korea further support this trend. With robust telecommunications infrastructure and high smartphone penetration rates, these nations are well-positioned to embrace mobile payment technologies.

increasing disposable incomes and the active participation of consumers on online platforms foster a favorable environment for mobile payment solutions.

Government initiatives play a crucial role in this growth, as many countries in the region are actively promoting digital payments to enhance financial inclusion and reduce cash reliance.

Global Mobile Payment Market: Segmentation Analysis

The Global Mobile Payment Market is segmented based on Payment Type, Transaction Mode, End-user, Purchase Type, Application And Geography.

Mobile Payment Market, By Payment Type

• Proximity
• Remote

Based on the Payment Type, the Mobile Payment Market is segmented into Proximity and Remote. The remote payment segment holds the largest market share and is projected to grow at a compound annual growth rate (CAGR) of 31.5% during the forecast period. This growth can be attributed to the increasing adoption of digital wallets and mobile banking applications that allow users to make payments from virtually anywhere, using mobile phones, websites, or text messages.

Mobile Payment Market, By Transaction Mode

• Mobile Web Payments
• Near- Field Communication
• SMS/Direct Carrier Billing
• Others

Based on the Transaction Mode, the Mobile Payment Market is segmented into Mobile Web Payments, Near- Field Communication, SMS/Direct Carrier Billing and Others. Mobile web payments dominate significantly over other methods. The mobile web payments segment is favored due to its convenience, as users can easily make transactions through their smartphones without the need for specialized hardware or proximity to a payment terminal.

Mobile Payment Market, By End-User

• Personal
• Business

Based on the End-User, the Mobile Payment Market is segmented into Personal and Business. The personal segment dominates significantly over the segment. This is primarily due to the increasing adoption of mobile payment solutions among individual consumers who prefer the convenience and accessibility these services provide for everyday transactions.

Mobile Payment Market, By Purchase Type

• Airtime Transfer and Top-ups
• Money Transfers and Bill Payments
• Merchandise and Coupons
• Travel and Ticketing
• Others

Based on the Purchase Type, the Mobile Payment Market is segmented into Airtime Transfer and Top-ups, Money Transfers and Bill Payments, Merchandise and Coupons, Travel and Ticketing and Others. The money transfers and bill payments segment dominates significantly over the segment. This dominance is driven by the increasing reliance on mobile payment solutions for everyday financial transactions, including utility bills, personal loans, and peer-to-peer money transfers.

Mobile Payment Market, By Application

• Media & Entertainment
• Energy & Utilities
• Healthcare
• Retail
• Hospitality & Transportation
• Others

Based on the Application, the Mobile Payment Market is segmented into Media & Entertainment, Energy & Utilities, Healthcare, Retail, Hospitality & Transportation and Others. The retail segment dominates significantly over the segment. This dominance is primarily driven by the increasing adoption of mobile payment solutions in retail environments, where convenience and speed are crucial for enhancing customer experiences.

Mobile Payment Market, By Geography

• North America
• Europe
• Asia-Pacific
• South America
• Middle East & Africa

Based on Geography, the Global Mobile Payment Market is classified into North America, Europe, Asia Pacific, and the Rest of the World. North America is expected to dominate the mobile payment market throughout the forecast period, driven by its well-established market dynamics. The growing integration of advanced technologies such as blockchain, biometric authentication, and NFC in smartphones is significantly boosting their usage in daily activities like financial transactions, shopping, billing, and recharging. The robust security features provided by smartphones play a crucial role in promoting the adoption of mobile payments in the region.

Key Players

• The "Global Mobile Payment Market" study report will provide valuable insight with an emphasis on the global market including some of the major players such as
• Apple Pay, Google Pay, PayPal, Visa, Mastercard, Alipay, WeChat Pay, M Pesa, Paytm, PhonePe, Stripe, Square, Klarna, Affirm, Revolut, Monzo.

Our market analysis also entails a section solely dedicated to such major players wherein our analysts provide an insight into the financial statements of all the major players, along with its product benchmarking and SWOT analysis. The competitive landscape section also includes key development strategies, market share, and market ranking analysis of the above-mentioned players globally.

• Mobile Payment Market Recent Developments
• In September 2023, Google Pay launched a new feature allowing users to send money directly through their contacts on Android devices. This feature aimed to streamline peer-to-peer transactions and enhance user experience, making it easier for individuals to transfer funds without navigating complex menus.
• In January 2023, PayPal launched a new feature allowing users to buy, hold, and sell cryptocurrencies directly within the PayPal app. This enhancement aimed to attract more users to the platform by providing them with integrated cryptocurrency services alongside traditional payment options.

TABLE OF CONTENTS

1 INTRODUCTION OF GLOBAL MOBILE PAYMENT MARKET

• 1.1 Overview of the Market
• 1.2 Scope of Report
• 1.3 Assumptions

2 EXECUTIVE SUMMARY

3 RESEARCH METHODOLOGY OF VERIFIED MARKET RESEARCH

• 3.1 Data Mining
• 3.2 Validation
• 3.3 Primary Interviews
• 3.4 List of Data Sources

4 GLOBAL MOBILE PAYMENT MARKET OUTLOOK

• 4.1 Overview
• 4.2 Market Dynamics
  • 4.2.1 Drivers
  • 4.2.2 Restraints
  • 4.2.3 Opportunities
• 4.3 Porters Five Force Model
• 4.4 Value Chain Analysis

5 GLOBAL MOBILE PAYMENT MARKET, BY PAYMENT TYPE

• 5.1 Overview
• 5.2 Proximity
• 5.3 Remote

6 GLOBAL MOBILE PAYMENT MARKET, BY TRANSACTION MODE

• 6.1 Overview
• 6.2 Mobile Web Payments
• 6.3 Near- Field Communication
• 6.4 SMS/Direct Carrier Billing
• 6.5 Others

7 GLOBAL MOBILE PAYMENT MARKET, BY END-USER

• 7.1 Overview
• 7.2 Personal
• 7.3 Business

8 GLOBAL MOBILE PAYMENT MARKET, BY END-USER

• 8.1 Overview
• 8.2 Airtime Transfer and Top-ups
• 8.3 Money Transfers and Bill Payments
• 8.4 Merchandise and Coupons
• 8.5 Travel and Ticketing
• 8.6 Others

9 GLOBAL MOBILE PAYMENT MARKET, BY APPLICATION

• 9.1 Overview
• 9.2 Media & Entertainment
• 9.3 Energy & Utilities
• 9.4 Healthcare
• 9.5 Retail
• 9.6 Hospitality & Transportation
• 9.7 Others

10 GLOBAL MOBILE PAYMENT MARKET, BY GEOGRAPHY

• 10.1 Overview
• 10.2 North America
  • 10.2.1 U.S.
  • 10.2.2 Canada
  • 10.2.3 Mexico
• 10.3 Europe
  • 10.3.1 Germany
  • 10.3.2 U.K.
  • 10.3.3 France
  • 10.3.4 Rest of Europe
• 10.4 Asia Pacific
  • 10.4.1 China
  • 10.4.2 Japan
  • 10.4.3 India
  • 10.4.4 Rest of Asia Pacific
• 10.5 Rest of the World
  • 10.5.1 Latin America
  • 10.5.2 Middle East And Africa

11 GLOBAL MOBILE PAYMENT MARKET COMPETITIVE LANDSCAPE

• 11.1 Overview
• 11.2 Company Market Ranking
• 11.3 Key Development Strategies

11 COMPANY PROFILES

• 11.1 Samsung Group
  • 11.1.1 Overview
  • 11.1.2 Financial Performance
  • 11.1.3 Product Outlook
  • 11.1.4 Key Developments
• 11.2 Google LLC
  • 11.2.1 Overview
  • 11.2.2 Financial Performance
  • 11.2.3 Product Outlook
  • 11.2.4 Key Developments
• 11.3 Amazon.com Inc.
  • 11.3.1 Overview
  • 11.3.2 Financial Performance
  • 11.3.3 Product Outlook
  • 11.3.4 Key Developments
• 11.4 Visa Inc.
  • 11.4.1 Overview
  • 11.4.2 Financial Performance
  • 11.4.3 Product Outlook
  • 11.4.4 Key Developments
• 11.5 Paypal Inc.
  • 11.5.1 Overview
  • 11.5.2 Financial Performance
  • 11.5.3 Product Outlook
  • 11.5.4 Key Developments
• 11.6 Orange SA
  • 11.6.1 Overview
  • 11.6.2 Financial Performance
  • 11.6.3 Product Outlook
  • 11.6.4 Key Developments
• 11.7 Alipay.com Co. Ltd
  • 11.7.1 Overview
  • 11.7.2 Financial Performance
  • 11.7.3 Product Outlook
  • 11.7.4 Key Developments
• 11.8 American Express Co.
  • 11.8.1 Overview
  • 11.8.2 Financial Performance
  • 11.8.3 Product Outlook
  • 11.8.4 Key Developments
• 11.9 Apple Inc.
  • 11.9.1 Overview
  • 11.9.2 Financial Performance
  • 11.9.3 Product Outlook
  • 11.9.4 Key Developments
• 11.11 Mahindra ComViva
  • 11.11.1 Overview
  • 11.11.2 Financial Performance
  • 11.11.3 Product Outlook
  • 11.11.4 Key Developments

12 Appendix

• 11.1 Related Research