北美数字支付市场 – 行业趋势及 2029 年预测

数字支付市场分析和规模

2020 年，印度的实时数字交易量超过 256 亿笔。这比 2019 年增长了 70%。在快速数字化的时代，移动钱包、数字钱包和电子钱包都越来越受欢迎。各国之间的快速融合和互联互通导致了数字支付的大规模吸引力。  

2021 年全球数字支付市场价值为 506.2 亿美元，预计到 2029 年将达到 2077 亿美元，在 2022-2029 年预测期内的复合年增长率为 19.30%。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 市场研究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。

数字支付市场范围和细分

Market Definition

A digital payment is an electronic payment made by one party to the other for purchasing goods and services. A digital payment results in debited the amount from the payer’s account and crediting the same amount to the payee’s account.   

Digital Payment Market Dynamics

This section deals with understanding the market drivers, advantages, opportunities, restraints and challenges. All of this is discussed in detail as below:

Drivers

• Emerging initiatives to adopt digital payments interface globally

The global efforts to adopt unified payments interface in combination with escalating rate of digitization especially in APAC region is bolstering the market's growth. Further, growing awareness about these interfaces' safety and security will drive the market growth. Additionally, the increasing trend of digitalization further offers numerous growth opportunities within the market.

• Increased support by the government

Rising number of government initiatives and supportive policies by the central and state government in regards to promoting the growth of the market especially in APAC region will widen the scope of growth to a great extent. Digital payment is one of the primary growth imperatives for countries in this region. Therefore, increased focus by the government will create numerous opportunities.  

Furthermore, the factors such as rising urbanization, industrialization and growing number of smartphone users globally have further contributed to the overall market expansion during the forecast period. Additionally, growing number of payment interfaces on a daily basis and rising personal disposable income are anticipated to drive the market's growth rate.

Opportunities

• Rising trend of e-commerce shopping

Growing number of e-commerce channels, changing customers fashion tastes and preferences and rising westernization will positively influence the market growth rate. The increasing proliferation of major e-commerce channels, especially Amazon, is fueling the growth rate.  

• Increasing internet adoption

Growing access to high speed internet and improving internet infrastructure in the developing economies will yet again propel the market growth rate. Penetration of 4G and 5G internet services will widen the scope of growth and expansion globally.  

Restraints/Challenges

• Hesitance and fear

Hesitance and fear among the people in underdeveloped territories globally in regards to the safety and security of such interfaces will impede the growth rate. Also, lack of awareness and education among the people in culmination with weak banking infrastructure in these regions will narrow down the scope of growth.

• Lack of technical expertise

Dearth of expert knowledge and technical expertise especially in the developed and developing economies and lack of global standards for cross-border payments will create hurdles for the market in regards to the smooth growth in the market value. Further, lack of skilled professionals combined with low experience quotient will hamper the market growth rate.

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.

COVID-19 Impact on Digital Payment Market

The COVID-19 pandemic has benefited the expansion of the market and the post-pandemic period will continue to push forward the market growth rate. The pandemic phase has led to the widespread adoption of contactless payment systems, particularly e-wallets. Though the manufacturing industry was hit badly, the market for digital payments saw a rise in bill payments, Peer to Peer (P2P) transfers, and Customer to Business (C2B) payments during the lockdown period.

Recent Developments

• Fiserv will introduce EnteractSM, a brand-new cloud-based customer relationship management (CRM) platform for financial institutions, in November 2021. A Microsoft Azure-based integration framework offered by Enteract allows for real-time process integration across core banking, enterprise content management, and digital channels. It also synchronises consumer data with back-end systems.
• Virgin Money and Global Payments Inc. signed a contract in September 2021 to use Global Payments' distinctive two-sided network to give Virgin Money consumers access to industry-leading digital payment experiences worldwide.
• RealNet is a new cloud-based software as a service (SaaS) platform that will enable account-to-account (A2A) transactions for companies, individuals, and governments across real-time payment networks. RealNet was introduced by FIS in April 2021.

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 and 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
• 支付网关解决方案
• 支付处理解决方案
• 支付钱包解决方案
• 支付安全和欺诈管理解决方案
• 销售点 (POS) 解决方案
• 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
• 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、用例和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北美的美国、加拿大和墨西哥。

美国在北美的数字支付市场占据主导地位，因为该地区有 Visa、PayPal Holdings、Inc. 和 MasterCard 等主要参与者。该地区先进基础设施的普及是决定该地区主导地位的另一个重要因素。

报告的国家部分还提供了影响单个市场因素和国内市场监管变化，这些因素和变化会影响市场的当前和未来趋势。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单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激烈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 Group Ltd（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-55830