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デジタルウォレット:サービス事業者分析、市場機会&予測 2019-2024年

Digital Wallets

Service Provider Analysis, Market Opportunities & Forecasts 2019-2024

 

出版社 出版年月電子版価格 ページ数
Juniper Research
ジュニパーリサーチ社
2019年6月GBP4,090
企業ライセンス(PDF+Excel)
113

「Deep Dive Strategy & Competition」「Deep Dive Data & Forecasting」のみの購入も可能です。詳しくはお問合せ下さい。

サマリー

このレポートは世界の主要ウォレット企業22社の製品とサービスの評価をヒートマップで評価しています。デジタルウォレットのユーザ数や購入(購入数と購入額)をデバイスタイプ別、取引タイプ別に予測しています。

デバイスタイプ

  • ハンドセット
  • デスクトップ/ノートパソコン

取引タイプ

  • 店内 - NFC
  • 店内 - QRコード
  • オンライン - フィジカルグッズ購入
  • オンライン - デジタルグッズ購入
  • 国内送金
  • 海外送金
  • チケット購入
  • 公共料金支払い

Overview

This research suite provides the most comprehensive analysis of the digital wallet space to date; enabling industry stakeholders to understand the implications of disruptive trends, ranging from market deregulation to the emergence of integrated wallet offerings. It provides a comparative, heatmap-based assessment of the products and services offered by 22 leading international wallets; gauging their respective opportunities in the short and medium term, together with a matrix delineating the comparative maturity of 14 national wallets.

The suite also includes industry benchmark forecasts for digital wallet user numbers and purchases (volume and value), split by device type (handset or desktop/laptop) transaction type and (for in-store payments) by wallet technology.

This research suite includes:

  • Deep Dive Strategy & Competition (PDF)
  • Deep Dive Data & Forecasting (PDF & Excel)
  • Executive Summary & Core Findings (PDF)

Key Features

  • Strategic Analysis: For major trends and key debates in the mobile wallet ecosystem, including:
    • Cross-border interoperability
    • Accelerated deployment of ‘Wearable Pay’ services
    • The evolving role of card issuers
  • Juniper Leaderboard: Key player capability and capacity assessment, together with Leaderboard vendor positioning for 22 digital wallet providers and player profiling.
  • National Wallet Innovation Index: Assessment of 14 national wallet providers; comparing the breadth of depth of their respective offerings, the extent of their banking partnerships and their active user bases.
  • Benchmark Industry Forecasts: Including forecasts for digital wallet users, transaction volumes and transaction values, split by country, region, transaction type and for in-store payments by QR codes and NFC.

Key Questions

  1. Who are the most successful players in the digital wallet space, and why?
  2. What are the prospects for QR code-based wallets?
  3. How can the leading wallet providers maximise their future opportunities?
  4. What is the value of the digital wallet market today, and what will it be in 2024?
  5. What factors will spur digital wallet growth, both nationally and internationally?

Companies Referenced

Interviewed: Singtel, Skrill.
 
Profiled: Alipay, Amazon Pay, Apple Pay, Du Xiaoman Pay, Fitbit Pay, Garmin Pay, Google Pay, Huawei Pay, LINE Pay, Masterpass, MTN Mobile Money, Orange Money, PayPal, Paytm, Rakuten Pay, Samsung Pay, Skrill, Visa Checkout, Vodafone M-PESA, WeChat Pay, Xiaomi Pay, Yandex.Money.
 
Case Studied: Bill & Melinda Gates Foundation, Microsoft, Singtel.
 
Included in National Wallet Innovation Index: Bizum, BKM Express, Boost, Dash, Kakao Pay, MobilePay, Paylib, Paytm, Rakuten, Recargapay, Swish, TWINT, Vipps, Yandex.Money.
 
Mentioned: Accenture, Activision Blizzard, Adyen, AIS GLOBAL, Alphabet, American Express, Ant Financial, ANZ, Axiata Digital, BA, Baidu, Banco Santander, Bank of America, Barclaycard, Barclays, BBVA, Best Buy, Bharti Airtel, Blackstone, Braintree, Capital One, Cathay Pacific, CBA, Chase, Chronos, Citcon, Citi, Citilink, Coin, Coinbase, Comviva, CVC, DFS Lab, Digital Retex, Discover, Disney, eBay, EcoBank, EMVCo, ePassi, Ericsson, Euroset, Eventbrite, Facebook, FANS Entertainment, Fifth Third Bank, Fundamo, Future Shop, Gemalto, Giesecke + Devrient, Globe, Goldman Sachs, Grameenphone, HSBC, Huawei, ICICI Bank, iFlytek, Ingenico, Inside Secure, iPaymu, Isbank, ISO (International Organization for Standardization), iZettle, JCB, Jumo, Kasikornbank, KBC Bank Ireland, Key Bank, KRPartners, Lloyds, Maestro, MediaTek, Merpay, Moven, myCFO, Naver, NBA (National Basketball Association), NETELLER, Nielsen, Nike, Nordstrom, NPCI (National Payments Corporation of India), NTT DoCoMo, OCBC Bank, One97 Communications, oneworld Alliance, PayMa, PaySafe, PBOC, PrestaShop, RBI, RBS, Revolut, Ria, Royal Bank of Canada, Safaricom, SAFE (State Administration of Foreign Exchange), SafeCharge, Saks, Sberbank, Schlumberger, Shopify, SK Telecom, Skype, SoftBank, Staples, Starbucks, Steam, StubHub, Svyaznoy, Swift Financial, Swych, Target, Telecom Sud, Telepin, Telkomsel, Telma, Tencent, Thomas Cook, Ticketmaster, TIO Networks, Travelex, UnionPay, UOB (United Overseas Bank), US Bank, Venmo, Vodacom, VTB Bank, Walmart, Wells Fargo, Western Union, Wirecard, World Duty Free, Xoom, YouTube.

Data & Interactive Forecast

Juniper’s Digital Wallets forecast suite includes:
  • Digital wallet user numbers, average usage levels, total transaction volumes, average transaction price and total transaction value.
  • Data split by 8 key regions and 12 national markets (Canada, China, Denmark, Germany, Japan, Kenya, Norway, Portugal, Spain, Sweden, UK and US), as well as by 2 transaction modes (handset and desktop/laptop) and by 8 transaction types:
    • In-store, NFC
    • In-store, QR Code
    • Online, Physical Goods Purchases
    • Online, Digital Goods Purchases
    • Domestic Money Transfers
    • International Money Transfers
    • Ticketing
    • Utility Bill Payment
  • Interactive Scenario Tool allowing users to manipulate Juniper’s data for 5 different metrics.
  • Access to the full set of forecast data of 96 tables and over 12,000 datapoints.
Juniper Research’s highly granular IFxls (Interactive Forecast Excels) enable clients to manipulate Juniper’s forecast data and charts to test their own assumptions by using the Interactive Scenario Tool and compare select markets and sectors side by side in customised charts and tables. IFxls greatly increase clients’ ability to both understand a particular market and to integrate their own views into the model.

 



目次

Table of Contents

1. Deep Dive Strategy & Competition

1. The Digital Wallet Market Today

1.1 Introduction . 7
1.2 Wallet Development . 7
1.2.1 Domestic P2P Path . 7
1.2.2 POS Payment Path . 8
Figure 1.1: Digital Wallet Pathw ays . 8
1.2.3 eCommerce Path . 8
1.2.4 Social Payments Path . 9
1.3 Wallet Adoption in 2018. 9
1.3.1 Instore Payments . 9
Figure 1.2: Instore Payments by Mechanism and Region (%), 2018 . 9
Figure 1.3: Digital Wallets, Instore Payments Snapshot, 2018 . 10
1.3.2 eRetail Payments .10
Figure 1.4: eRetail Payments by Mechanism and Region (%), 2018 . 10
Figure 1.5: Digital Wallets, eRetail Payments Snapshot, 2018 . 11
1.3.3 Other Use Cases .11
1.4 Key Trends in the Wallet Space .11
1.4.1 From Closed to Open Wallets.11
1.4.2 QR Codes: A Challenge to NFC? .12
Figure 1.6: QR Code Transactions, Largest Retail Sales Outside China ($bn), 2018 . 12
i. The Developing Asia Opportunity . 13
Figure 1.7: QR Code Wallet Opportunities in Developing Asia, Current & Future 14
1.4.3 Cross-Border Interoperability is Key .14
Figure 1.8: Annual Spend by Chinese Tourists Overseas, 2014-2017.15
Case Study: Singtel .16
1.4.4 ‘Wearable Pay’ Deployments Continue to Accelerate .17
i. Smartw atches .17
ii. Other Wearable Devices .18
iii. The Wearables Challenge .18
Figure 1.9: Smart Wearables v Smartphones, Installed Base, End 2018 (m) .19
iv. Achieving Differentiation & Scale.19
1.4.5 The Evolving Role of the Card Issuers.20
i. The Tokenisation Ecosystem .20

2. Digital Wallets - Overcoming Challenges

2.1 Introduction .24
2.2 Security .24
2.2.1 Online Payments .24
Figure 2.1: Proportion of Adults (15+) Making Online Purchases, Selected Markets, 2018 .24
Figure 2.2: Online Fraud, Data Snapshot, 2018.24
2.2.2 Offline Payments .25
2.3 Migrating Consumer Payment Behaviours .25
Figure 2.3: Cash-on-Delivery as a Percentage of Online Retail Payments,
Selected Markets, 2018 .26
Figure 2.4: Cash-on-Delivery eRetail Spend, by 8 Key Regions, 2018 ($210.9 billion) .26
2.4 Competition .27
Figure 2.5: The Consumer Wallet Journey . 28
Case Study: Microsof t Wallet. 29
2.5 Regulation .29
2.6 Interoperability .30
Case Study: Mojaloop. 31
2.7 Localisation .32
Table 2.6: Juniper National Wallet Innovation Index Capability Assessment Factors . 33
Table 2.7: Juniper National Wallet Innovation Index Scores. 33
Figure 2.8: Juniper National Wallet Innovation Index. 34
2.7.1 Innovation Index Scoring .35
i. Cluster 1: ‘Leading’ . 35
ii. Cluster 2: ‘Aspiring’ . 35
iii. Cluster 3: ‘Developing’ . 35

3. Competitive Landscape

3.1 Introduction .37
3.2 Vendor Analysis: Juniper Leaderboard .37
3.2.1 Vendor Assessment Methodology.37
Table 3.1: Juniper Leaderboard Wallet Positioning Criteria . 38
3.2.2 Vendor Analysis: Capability Assessment & Market Positioning .39
Table 3.2: Juniper Leaderboard Scoring Matrix: Capability & Capacity vs Product & Position . 39
i. Leaderboard Matrix Scoring Analysis . 40
Figure 3.3: Leading Wallets by Accepting Countries, December 2018 . 40
Table 3.4: Wallet Contactless Reach, Selected Markets, March 2019. 42
Figure 3.5: Potential Reach of OEM-Pays to Retail Bank Customers (%), Selected
Markets, March 2019 .43
Table 3.6: Wallet Reach, Online Purchases, Selected Markets, March 2019 .45
Table 3.7: Player Analysis Scoring Matrix, Mobile Wallet Product Range.47
Figure 3.8: Juniper Leaderboard for Digital Wallet Service Providers .51
3.2.3 Vendor Groupings .52
i. Established Leaders.52
ii. Leading Challengers .52
iii. Disruptors & Emulators.53
3.2.4 Juniper Competitive Web Analysis .54
Figure 3.9: Juniper Compet itive Web: Selected Payment Processing Providers .54
3.2.5 Limitations & Interpretation .55
3.3 Digital Wallet Movers & Shakers .56
3.4 Selected Vendor Profiles .58
3.4.1 Alipay .58
i. Corporate .58
ii. Geographic Spread .58
iii. Key Clients & Strategic Partnerships .58
iv. High Level View of Offerings .58
v. Juniper’s View : Alipay Key Strengths & Strategic Development Opportunities 59
3.4.2 Amazon Pay .59
i. Corporate .59
ii. Geographic Spread .59
iii. Key Clients & Strategic Partnerships .60
iv. High Level View of Offerings .60
v. Juniper’s View : Amazon Pay Digital Key Strengths & Strategic Development Opportunities . 60
3.4.3 Apple Pay .61
i. Corporate. 61
ii. Geographic Spread . 61
iii. Key Clients & Strategic Partnerships. 61
iv. High Level View of Offerings . 61
v. Juniper’s View : Apple Pay Key Strengths & Strategic Development Opportunities . 62
3.4.4 Du Xiaoman Pay .62
i. Corporate. 62
ii. Geographic Spread . 62
iii. Key Clients & Strategic Partnerships. 63
iv. High Level View of Offerings . 63
v. Juniper’s View : Du Xiaoman Pay Key Strengths & Strategic Development Opportunities . 63
3.4.5 Fitbit Pay .63
i. Corporate. 63
ii. Geographic Spread . 63
iii. Key Clients & Strategic Partnerships. 64
iv. High Level View of Offerings . 64
v. Juniper’s View : Fitbit Pay Key Strengths & Strategic Development Opportunities . 64
3.4.6 Garmin Pay .64
i. Corporate. 64
ii. Geographic Spread . 65
iii. Key Clients & Strategic Partnerships. 65
iv. High Level View of Offerings .65
v. Juniper’s View : Garmin Pay Key Strengths & Strategic Development Opportunities.65
3.4.7 Google Pay .65
i. Corporate .65
ii. Geographic Spread .66
iii. Key Clients & Strategic Partnerships .66
iv. High Level View of Offerings .66
v. Juniper’s View : Google Pay’s Key Strengths & Strategic Development Opportunities.66
3.4.8 Huawei Pay .66
i. Corporate .66
ii. Geographic Spread .67
iii. Key Clients & Strategic Partnerships .67
iv. High Level View of Offerings .67
v. Juniper’s View : Huaw ei Pay’s Key Strengths & Strategic Development Opportunities.67
3.4.9 LINE Pay .67
i. Corporate .67
ii. Geographic Spread .68
iii. Key Clients & Strategic Partnerships .68
iv. High Level View of Offerings .68
v. Juniper’s View : LINE Pay’s Key Strengths & Strategic Development Opportunities.68
3.4.10 Masterpass.69
i. Corporate .69
ii. Geographic Spread .69
iii. Key Clients & Strategic Partnerships. 69
iv. High Level View of Offering. 69
v. Juniper’s View : Masterpass Key Strengths & Strategic Development Opportunities . 70
3.4.11 MTN Mobile Money .70
i. Corporate. 70
ii. Geographic Spread . 70
iii. Key Clients & Strategic Partnerships. 71
iv. High Level View of Offering. 71
v. Juniper’s View : MTN Mobile Money Key Strengths & Strategic Development Opportunities . 71
3.4.12 Orange Money .72
i. Corporate. 72
ii. Geographic Spread . 72
iii. Key Clients & Strategic Partnerships. 72
iv. High Level View of Offerings . 72
v. Juniper’s View : Orange Money Mobile Key Strengths & Strategic Development Opportunities . 73
3.4.13 PayPal.73
i. Corporate. 73
ii. Geographic Spread . 74
iii. Key Clients & Strategic Partnerships. 74
iv. High Level View of Offering. 74
v. Juniper’s View : PayPal Key Strengths & Strategic Development Opportunities . 76
3.4.14 Paytm .76
i. Corporate. 76
ii. Geographic Spread .76
iii. Key Clients & Strategic Partnerships .76
iv. High Level View of Offering .76
v. Juniper’s View : Paytm Key Strengths & Strategic Development Opportunities 77
3.4.15 Rakuten Pay .77
i. Corporate .77
ii. Geographic Spread .78
iii. Key Clients & Strategic Partnerships .78
iv. High Level View of Offering .78
v. Juniper’s View : Rakuten Pay Key Strengths & Strategic Development Opportunities.78
3.4.16 Samsung Pay .79
i. Corporate .79
ii. Geographic Spread .79
iii. Key Clients & Strategic Partnerships .79
iv. High Level View of Offering .79
v. Juniper’s View : Samsung Pay Strengths & Strategic Development Opportunities.80
3.4.17 Skrill .80
i. Corporate .80
ii. Geographic Spread .81
iii. Key Clients & Strategic Partnerships .81
iv. High Level View of Offering .81
v. Juniper’s View : Skrill Key Strengths & Strategic Development Opportunities .82
3.4.18 Visa Checkout .82
i. Corporate .82
Table 3.11: Visa Financial Performance Snapshot, 2015-2018 (FYE 30 September). 82
ii. Geographic Spread . 82
iii. Key Clients & Strategic Partnerships. 83
iv. High Level View of Offering. 83
v. Juniper’s View : Visa Checkout Key Strengths & Strategic Development Opportunities . 84
3.4.19 Vodafone M-PESA .84
i. Corporate. 84
ii. Geographic Spread . 85
iii. Key Clients & Strategic Partnerships. 85
iv. High Level View of Offering. 85
v. Juniper’s View : Vodafone M-PESA Key Strengths & Strategic Development Opportunities . 86
3.4.20 WeChat Pay.86
i. Corporate. 86
ii. Geographic Spread . 86
iii. Key Clients & Strategic Partnerships. 86
iv. High Level View of Offering. 87
v. Juniper’s View : WeChat Pay Key Strengths & Strategic Development Opportunities . 87
3.4.21 Xiaomi Pay (Mi-Pay) .88
i. Corporate. 88
ii. Geographic Spread . 88
iii. Key Clients & Strategic Partnerships. 88
iv. High Level View of Offering. 88
v. Juniper’s View : Mi-Pay Key Strengths & Strategic Development Opportunities . 88
3.4.22 Yandex.Money .88
i. Corporate .88
ii. Geographic Spread .89
iii. Key Clients & Strategic Partnerships .89
iv. High Level View of Offering .89
v. Juniper’s View : Yandex.Money Key Strengths & Strategic Development Opportunities.89

Deep Dive Data & Forecasting

1. Digital Wallets Overview

1.1 Introduction . 4
1.2 Wallet Development . 4
1.2.1 Domestic P2P Path . 4
1.2.2 POS Payment Path . 5
Figure 1.1: Digital Wallet Pathw ays . 5
1.2.3 eCommerce Path . 5
1.2.4 Social Payments Path . 6
1.3 Wallet Adoption in 2018. 6
1.3.1 Instore Payments . 6
Figure 1.2: Instore Payments by Mechanism and Region (%), 2018 . 6
Figure 1.3: Digital Wallets, Instore Payments Snapshot, 2018 . 7
1.3.2 eRetail Payments . 7
Figure 1.4: eRetail Payments by Mechanism and Region (%), 2018 . 7
Figure 1.5: Digital Wallets, eRetail Payments Snapshot, 2018 . 8
1.3.3 Other Use Cases . 8

2. Methodology & Assumptions

2.1 Introduction .10
2.2 Methodology.11
Figure 2.1: Juniper Research Digital Wallets Methodology. 11

3. Digital Wallet Forecasts

3.1 Digital Wallet Users .13
Figure & Table 3.1: Proportion of Population w ith Active Digital Wallets (%) Split
by 8 Key Regions 2019-2024.13
Figure 3.1: Digital Wallets in Use (m) Split by 8 Key Regions, 2019-2024 .14
Figure 3.2: Denmark Market Snapshot .15
3.1.1 Wallets with NFC Capability .16
Figure & Table 3.3: Proportion of Wallets Used to Make NFC/FeliCa Payments
(%) Split by 8 Key Regions, 2019-2024 .16
Figure & Table 3.4: Digital Wallets Used to Make NFC/FeliCa Payments (m) Split
by 8 Key Regions, 2019-2024.17
3.1.2 Wallets with QR Code Payment Capabilities .18
Figure & Table 3.5: Proportion of Digital Wallets Used to Make QR Code
Payments (%) Split by 8 Key Regions, 2019-2024.18
Figure & Table 3.6: Digital Wallets Used to Make QR Code Payments Split by 8
Key Regions, 2019-2024.19
3.2 Digital Wallet Transaction Volumes.20
Figure & Table 3.7: Average Annual Transactions Per Digital Wallet Split by 8 Key
Regions, 2019-2024.20
Figure & Table 3.8: Digital Wallet Transaction Volumes (m) Split by 8 Key
Regions 2019-2024.21
3.3 Digital Wallet Transaction Values.22
3.3.1 Average Transaction Values .22
Figure & Table 3.9: Average Digital Wallet Transaction Value ($) Split by 8 Key
Regions 2019-2024.22
3.3.2 Total Transaction Values .23
Figure & Table 3.10: Total Digital Wallet Transaction Values Per Annum ($m)
Split by 8 Key Regions 2019-2024. 23
Figure 3.11: Average Wallet Spend Per Annum ($), Leading Countries, 2024 . 24

 

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