中东和非洲数字支付市场 – 行业趋势和 2030 年预测

中东和非洲数字支付市场分析和规模

数字支付市场正在根据消费者行为发生巨大变化。影响数字支付市场的一些趋势包括即时支付、数字商务、无现金经济、移动银行以及监管机构的日益增长的影响力。此外，由于实时支付使用量的大幅增长，移动钱包的普及率不断提高，这可能会在预测期内促进市场增长。

Data Bridge Market Research 分析称，预计到 2030 年，数字支付市场规模将达到 723.8127 亿美元，到 2022 年将达到 196.5235 亿美元，预测期内复合年增长率为 17.70%。除了市场价值、增长率、细分市场、地理覆盖范围、市场参与者和市场情景等市场洞察外，Data Bridge Market Research 团队策划的市场报告还包括深入的专家分析、进出口分析、定价分析、生产消费分析和 pestle 分析。

中东和非洲数字支付市场范围和细分

Market Definition

Digital payments are payments done via online or digital modes, with no exchange of cash being involved. Digital payment sometimes also called electronic payment is the transfer of money from one account to another payment account by using digital devices such as a computer, mobile phone. In digital payments, payee and payer both use digital modes to receive and send money. It is also called electronic payment (e-payment).

Middle East and Africa Digital Payment Market

Drivers

• Surging integration of advanced features in payment system

Various efforts taken by the digital payment companies to integrate artificial intelligence features in their payment system which are anticipated to drive the market growth. For instance, Mastercard which is a financial service provider and AI-powered payments company has announced the integration of Mastercard Cross-Border Services into Previse’s Instant Pay platform in October 2021. This collaboration will help them to pay their suppliers immediately.

• Increasing efforts by e-commerce companies to deploy their point-of-sale systems

E-commerce industries are making several efforts to use their point-of-sale systems to develop their offerings in the field of digital payment. For instance, retail giants, such as Amazon and Shopify, are developing point-of-sale systems which will capable of handling both in-store and online transactions. These developments are encouraging banks to increase their digital payment services to maintain their position in the market. Therefore, growing efforts by e-commerce companies to deploy their point-of-sale systems is likely to propel the market growth.

Opportunities

• Increasing adoption of open banking API

Growing adoption of open banking API for payments is likely to create lucrative opportunities for the market growth during the forecast period. Open banking has the potential to provide relevant and customized product and service options which most banking apps fail to do. Open banking API will integrate, simplify, and provide a hassle-free experience to the customer during payment. It also provides flexibility and can be tailored business's preferences and needs. These factors increase the adoption of adoption of open banking API and boost the market growth.

• Rising industry-level initiatives to digitize the payment process

Increasing industry-level initiatives to support digital payments might include launching alternative payment-processing platforms and introducing tiered MDRs based on sales volumes. The digital payments is one of the major factor for the growth of the country's economy. It can aid to increase the economic growth and productivity, increase tax revenue, improve transparency and open up new economic opportunities for end-users.  The industry-level initiatives which will further likely to generate lucrative opportunities the market growth.

 Restraints

• Increasing hesitance and fear among people

Increasing hesitance and fear among people in underdeveloped areas of Middle East and Africa 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.

• Increasing chances of cyber-attacks by adoption of technologies

Cyber-attack is the major hurdle in digital payments which is expected to hamper the growth of the market. Cyber-attacks are one of the major issues the payments sector which has been facing for over a decade. The adoption of technologies related to digital payments market is also growing the cyber security risks such as cyber theft. This is also the major factor which hinders the market growth.

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.
• 2022 年，美国银行与 Banked Ltd. 合作推出了 Pay by Bank，这是一种在线支付解决方案，允许电子商务领域的客户直接从他们的银行账户付款。据该公司称，这一战略是其一系列重复技术投资的一部分。

中东和非洲数字支付市场范围

数字支付市场根据产品、部署模式、组织规模、支付方式、使用方式、技术、用例、最终用户进行细分。这些细分市场之间的增长将帮助您分析行业中增长微弱的细分市场，并为用户提供有价值的市场概览和市场洞察，帮助他们做出战略决策，确定核心市场应用。

奉献

• 解决方案
• 应用程序接口
• 支付网关
• 付款处理
• 支付安全与欺诈管理
• 交易风险管理
• 其他的
• 服务
• 专业服务
• 咨询        
• 执行            
• 支持和维护
• 托管服务

 部署模型

• 本地
• 云

组织规模

• 大型企业
• 中小企业

 付款方式

• 支付卡
• 借记卡
• 信用卡
• 预付卡
• 销售点
• 统一支付接口 (UPI) 服务
• 移动支付
• 网上支付

使用方式

• 移动应用程序
• 桌面/Web 浏览器

技术

• 应用程序编程接口 (API)
• 数据分析和机器学习
• 数字账本技术（DLT）
• 人工智能和物联网
• 生物特征认证

用例

• 人 (P/C)
• 商家/企业
• 政府

 最终用户

• 商业的
• 消费者

数字支付市场区域分析/洞察

对数字支付市场进行分析，并按国家、产品、部署模式、组织规模、支付方式、使用方式、技术、用例、最终用户提供市场规模洞察和趋势。

数字支付市场报告涵盖的国家包括沙特阿拉伯、阿联酋、以色列、埃及、南非、中东和非洲（MEA）的其他地区。

由于政府加大了数字化力度，以色列在数字支付市场占据主导地位。此外，无人商店数量的增加也催生了对数字支付解决方案的需求，这将进一步推动市场增长。

报告的国家部分还提供了影响市场当前和未来趋势的各个市场影响因素和市场监管变化。下游和上游价值链分析、技术趋势和波特五力分析、案例研究等数据点是用于预测各个国家市场情景的一些指标。此外，在提供国家数据的预测分析时，还考虑了全球品牌的存在和可用性以及它们因来自本地和国内品牌的大量或稀缺竞争而面临的挑战、国内关税和贸易路线的影响。   

竞争格局和数字支付市场份额分析

数字支付市场竞争格局按竞争对手提供详细信息。详细信息包括公司概况、公司财务状况、产生的收入、市场潜力、研发投资、新市场计划、全球影响力、生产基地和设施、生产能力、公司优势和劣势、产品发布、产品宽度和广度、应用主导地位。以上提供的数据点仅与公司对数字支付市场的关注有关。

数字支付市场的一些主要参与者包括：

• ACI 全球（美国）
• PayPal, Inc.（美国）
• Novatti 集团有限公司 (澳大利亚)
• Global Payments Inc.（美国）
• 签证（美国）
• Stripe, Inc.（爱尔兰）
• Google, LLC（美国）
• Finastra。（英国）
• 三星（韩国）
• 亚马逊网络服务公司（美国）
• 金融软件与系统私人有限公司（美国）
• Aurus Inc.（美国）
• Adyen（荷兰）
• 苹果公司（美国）
• Fiserv, Inc.（美国）
• WEX Inc.（美国）
• wirecard (美国)
• 万事达卡。（美国） 

SKU-55829