Europe Digital Payment Market – Industry Trends and Forecast to 2030

Análise e dimensão do mercado de pagamentos digitais na Europa

Hoje em dia, a procura por transações digitais está a aumentar devido à crescente utilização de cartões de crédito, carteiras móveis, net banking, pontos de venda, cartões de débito, moedas digitais e muitas outras aplicações móveis. As aplicações móveis oferecem diversos esquemas promocionais para transações virtuais, como descontos, ofertas em loja, vales de compras online, cashback e outros para atrair mais clientes. Como resultado disto, aumente a utilização de tais cartões e aplicações para transações online, o que provavelmente aumentará o crescimento do mercado durante o período de previsão.

A Data Bridge Market Research analisa que o mercado de pagamentos digitais deverá atingir os 223.956,58 milhões de dólares até 2030, ou seja, 56.827,44 milhões de dólares em 2022, com um CAGR de 18,70% no período de previsão. Além dos insights de mercado, tais como o valor de mercado, a taxa de crescimento, os segmentos de mercado, a cobertura geográfica, os participantes do mercado e o cenário de mercado, o relatório de mercado com curadoria da equipa de pesquisa de mercado da Data Bridge inclui uma análise especializada aprofundada, análise de importação/exportação, análise de preços, análise de consumo de produção e análise de pilão.

Âmbito e segmentação do mercado de pagamentos digitais da Europa

Definição de mercado

O pagamento digital, por vezes designado por pagamento eletrónico, é a transferência de dinheiro de uma conta de pagamento para outra conta de pagamento utilizando um dispositivo digital como um computador, telemóvel, ponto de venda (POS) ou um canal de comunicação digital como a Society for a Telecomunicação Financeira Interbancária Mundial (SWIFT) ou dados móveis sem fios. Esta definição inclui os pagamentos efetuados com dinheiro móvel, transferências bancárias e cartões de pagamento, incluindo cartões de débito, crédito e pré-pagos.

Mercado Europeu de Pagamentos Digitais

Motoristas

• Crescimento e expansão do comércio eletrónico

O crescimento e a expansão do comércio eletrónico contribuíram para um aumento dos serviços financeiros digitais associados aos consumidores e às pequenas empresas, o que está a impulsionar o crescimento do mercado de pagamentos digitais. Por exemplo, muitas plataformas de comércio eletrónico estão a registar um aumento na utilização de pagamentos digitais, principalmente a carteira digital, que é um sistema de pagamento digital para ajudar os consumidores com transações instantâneas e seguras. Portanto, o crescimento e a expansão do comércio eletrónico provavelmente impulsionarão o crescimento do mercado.

• Aumento da procura de pagamentos digitais no setor bancário, de serviços financeiros e de seguros (BFSI)

O setor bancário, de serviços financeiros e de seguros (BFSI) é o setor dominante que deverá ter o maior impacto no mercado de pagamentos digitais. Nos últimos anos, as empresas de seguros, de serviços financeiros e de corretagem de valores têm assistido a uma enorme mudança na forma como recebem e desembolsam os fundos. Assim sendo, espera-se que o aumento da procura de pagamentos digitais para transações transfronteiriças e domésticas no setor bancário, de serviços financeiros e de seguros (BFSI) impulsione o crescimento do mercado.

Oportunidades

• Esforços crescentes dos bancos para lançar uma iniciativa europeia de pagamentos

Os bancos na Europa estão a desenvolver vários esforços para introduzir uma iniciativa europeia de pagamentos que visa gerar soluções de pagamentos unificadas para consumidores e vendedores em toda a região. Prevê-se que tais iniciativas gerem oportunidades lucrativas para o crescimento do mercado durante o período de previsão.

• Crescimento rápido nos utilizadores de smartphones

A rapid growth in smartphone users in developing region of Europe, making the digital payment process user-friendly and more convenient option. Business outlets highly opting to adapt with mobile-based payment applications such as Pay Pal, Apple Pay, Google pay, Phone May, Amazon pay, and many other. Hence, the growth in smartphone users will likely to create ample opportunities for the market growth.

Restraints

• Rising cyber-attacks on digital payments

Cyber-attacks are the major factor which is expected to hamper the growth of the digital payment market. These attacks are the major issues that the payment sector has faced in a long period of time. The increasing usage of digital payment systems is also rising the cybersecurity dangers such as fraud and cyber theft.

• Increasing hesitance and fear among people

Increasing hesitance and fear among people in underdeveloped areas of Europe in regards to the security and safety in digital payments such as fraudulent payment apps, reverse engineering and tampering and many more will hamper the growth of the market.

This digital payment market report provides details of new recent developments, trade regulations, import-export analysis, production analysis, value chain optimization, market share, impact of domestic and localized market players, analyses opportunities in terms of emerging revenue pockets, changes in market regulations, strategic market growth analysis, market size, category market growths, application niches and dominance, product approvals, product launches, geographic expansions, technological innovations in the market. To gain more info on the digital payment market contact Data Bridge Market Research for an Analyst Brief, our team will help you take an informed market decision to achieve market growth.

Recent Developments

• In 2022, Verizon Business announced their partnership with First National Bank of Omaha (FNBO) and Mastercard to launch a credit card. The main goal of this launch to bring value to small business owners. The Verizon Business Mastercard is available to companies with an online account. It will include reward points on every purchase from credit card.
• In 2022, Visa partnered with Fundbox which is a working capital platform. With this partnership, they will convert its operation into digital payment solutions for small enterprises. The first phase of this complete process is to launch Fundbox Flex Visa Debit Card, allotted by Pathward N.A.
• In 2022, Visa completed its acquisition process with Tink that allows merchants, fintech and financial institutions, to make financial services and products. Tink collaborated with over 3,400 banks and millions of bank customers across Europe.
• In 2022, The Bank of America Corporation collaborated with Banked Ltd. to introduce Pay by Bank which is the online payment solution to allow customers of e-commerce sectors to pay directly from their bank account. As per the company, this strategy is a part of its repeated series of technology investments.

Europe Digital Payment Market Scope

The digital payment market is segmented on the basis of offering, deployment model, organization size, mode of payment, mode of usage, technology, use case, end user. The growth amongst these segments will help you analyze meagre growth segments in the industries and provide the users with a valuable market overview and market insights to help them make strategic decisions for identifying core market applications.

Offering

• Solutions
• Application Program Interface
• Payment Gateway
• Payment Processing
• Payment Security & Fraud Management
• Transaction Risk Management
• Others
• Services
• Professional Services
• Consulting        
• Implementation            
• Support and Maintenance
• Managed Services

 Deployment Model

• On Premises
• Cloud

Organization Size

• Large Enterprises
• Small & Medium Enterprises (SMEs)

 Mode of Payment

• Payment Cards
• Debit Card
• Credit Card
• Pre-Paid Card
• Point of Sale
• Unified Payments Interface (UPI) Service
• Mobile Payment
• Online Payment

Mode of Usage

• Mobile Application
• Desktop/Web Browser

Technology

• Application Programming Interface (API)
• Data Analytics and Machine Learning
• Digital Ledger Technology (DLT)
• Artificial Intelligence and Internet of Things
• Biometric Authentication

Use Case

• Person (P/C)
• Merchant/ Business
• Government

 End User

• Commercial
• Consumer

Digital Payment Market Regional Analysis/Insights

The digital payment market is analyzed and market size insights and trends are provided by country, offering, deployment model, organization size, mode of payment, mode of usage, technology, use case, end user as referenced above.

The countries covered in the digital payment market report are Germany, France, U.K., Netherlands, Switzerland, Belgium, Russia, Italy, Spain, Turkey, and Rest of Europe in Europe

U.K. dominates the digital payment market owing to the increasing investments in research and development activities for advanced technologies in this region. Furthermore, growth in digital infrastructure online platform and internet will further boost the market growth.

The country section of the report also provides individual market impacting factors and changes in market regulation that impact the current and future trends of the market. Data points like down-stream and upstream value chain analysis, technical trends and porter's five forces analysis, case studies are some of the pointers used to forecast the market scenario for individual countries. Also, the presence and availability of Global brands and their challenges faced due to large or scarce competition from local and domestic brands, impact of domestic tariffs and trade routes are considered while providing forecast analysis of the country data.   

Competitive Landscape and Digital Payment Market Share Analysis

The digital payment market competitive landscape provides details by competitor. Details included are company overview, company financials, revenue generated, market potential, investment in research and development, new market initiatives, Global presence, production sites and facilities, production capacities, company strengths and weaknesses, product launch, product width and breadth, application dominance. The above data points provided are only related to the companies' focus related to digital payment market.

Some of the major players operating in the digital payment market are:

• ACI Worldwide (U.S.)
• PayPal, Inc. (U.S.)
• Novatti Group Limited (Australia)
• Global Payments Inc. (U.S.)
• Visa (U.S.)
• Stripe, Inc. (Ireland)
• Google, LLC (U.S.)
• Finastra. (U.K.)
• SAMSUNG (South Korea)
• Amazon Web Services, Inc. (U.S.)
• Financial Software & Systems Pvt. Ltd. (U.S.)
• Aurus Inc. (U.S.)
• Adyen (Netherlands)
• Apple Inc. (U.S.)
• Fiserv, Inc. (U.S.)
• WEX Inc. (U.S.)
• wirecard (U.S.)
• Mastercard. (U.S.) 

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