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フィンテックにおける破壊的技術トップ10 2018年

Top 10 Disruptive Technologies in Fintech: 2018

 

出版社 出版年月電子媒体価格
Juniper Research
ジュニパーリサーチ社
2018年6月GBP2,250
企業ライセンス(PDF)

サマリー

この調査レポートは、世界で急速に進化しているフィンテック(FinTech)産業の基本的指南書としてジュニパーリサーチ社が出版したものです。

この調査レポートでは、下記重要影響要因をベースにフィンテック(FinTech)技術をランク付けしています。

  1. フィンテック(FinTech)が顧客エクスペリエンスにどのように作用するか
  2. フィンテック(FinTech)はB2B市場にどのような影響を与えるか
  3. 技術展開と採用における規制障壁となる範囲
  4. 技術的明確さと共通業界規格
  5. セキュリティに対する懸念
  6. ユーザーエクスペリエンスの質
  7. エコシステムの準備状態:既にバリューチェーンはあるのか?

Overview

Juniper’s Top 10 Disruptive Technologies in Fintech research assesses the emerging technologies that, individually and collectively, are taking fintech in fresh and exciting new directions. Our new research investigates these disruptive technologies and ranks them according to the scale of their anticipated impact.

It examines how these fintech technologies will affect the consumer and B2B (Business to Business) experience, alongside an in-depth analysis of critical barriers and ecosystem readiness.

In addition, the research includes an Impact Assessment Heatmap and Scoring Matrix, along with an analysis of the long term implications of, and strategic recommendations for, each financial technology.

Key Features

  • Top 10 Technologies: Analysis and ranking of the top 10 technologies in fintech, supported by case studies and unique insights.
  • The Opportunity: Analysis of the key benefits of, and implications for, each of these technologies.
  • Top 5 Companies to Watch: Analysis of 5 key companies to watch in each segment; these being innovators or key disruptors in each market.
  • Juniper’s View: How these technologies will make an impact in the future (in terms of both timescale and likely effect) and what industry stakeholders can do to take advantage of them.
  • Key Players & Innovators: Identification of leading players and innovative providers, presented alongside case studies.

Key Questions

  1. What are the top 10 technologies for 2018?
  2. What are the emerging opportunities in fintech, and how can businesses utilise these?
  3. Who are the new players entering fintech and what impact are they having?
  4. What are the key trends and developments for 2018 and beyond?
  5. How is the industry set to evolve, and what are the pressures faced by more established providers such as banks and financial institutions?

Companies Referenced

Alibaba, Amazon, Apple, Bainbridge Associates, Bank of America, Bank of England, Barclays, Betterment, Cambridge Analytica, Cardstack, CheckRecipient, Citi Group, Cleo, ComplyAdvantage, CryptoKitties, CryptoRated.com, Daimler, dApp Builder, DAQRI, Deliveroo, Deutsche Bank, digi.me, D-wave, ESMA (European Securities and Markets Authority), ETH Zurich, FAA (Federal Aviation Administration), Facebook, Fathead, FCA (Financial Conduct Authority), Feedzai, Fidelity Labs, FINMA (Swiss Financial Organisation), Fintech Network, Fortune, Google, HCCU, HMT (Her Majesty’s Treasury), HTC, IBM, ICORating, ID Exchange, Impleum, ING-DiBa, Intel, Interswitch, JD.com, JP Morgan Chase, JSR, LG, Mafematica, Mainframe Cloud, McDonald’s, Microsoft, Mitsubishi Chemical, Mizuho Financial Group, MTN, MUFG Bank, Myidm, NASA, Netsize, Niels Bohr Institute, NVIDIA, Ocado, Oculus, Onfido, Open XR, PayPal, Peepeth, Populous, Propy, QC Ware, Qualcomm, Quantum Benchmark, Quicken Loans, QxBranch, R3 Consortium, RapidMiner, Recordkeeping Innovation, RedPen, Rolls Royce, Royal Bank Of Canada, Samsung, Scalable Capital, SEC (Securities and Exchange Commission), ShareRoot, SimbaPay, SISS Data Services, SKYFchain, Starship Technologies, Strange Works, Stubbs, StubHub, TechCrunch, Telegram. Tesco, Toshi, TU Delft, UBS, UCSB, Valve, Vanguard, Vault Systems, Verifier, Wealthfront, WeChat, Wells Fargo, Western Union, Zapata, Zelle.

 

This new study from Juniper Research comprises an essential guide to the fast-evolving global fintech industry. Our new Top 10 Disruptive Technologies in Fintech research investigates how the digital commerce market is undergoing a major transformation and how new and disruptive technologies will shake up the commerce sector.
 


The research ranks the top financial technologies based on critical impact factors, including:

  1. How they affect the consumer experience;
  2. How they impact the B2B (Business to Business) space;
  3. The extent of regulatory barriers to technology deployment and adoption;
  4. Technological clarity, shared industry standards;
  5. Security concerns;
  6. Quality of user experience;
  7. Ecosystem readiness: is there a settled value chain?


目次

Table of Contents    

※ 2017年版の目次です。2018年版の目次はデータリソースへお問い合わせ下さい。

1. The Age of Digital Payment

1.1 Introduction ..... 6
1.2 From Analogue to Digital: The Evolution of Payments ....... 6
Figure 1.1: eRetail Snapshot, 2001 & 2016 ....... 6
Figure 1.2: Global Retail Transaction Value, 2016, Split by Location/Device ($20.5 trillion) ............ 7
1.2.1 Mobile Becoming an Option for Offline Payments .. 7
Figure 1.3: Global Instore Payments Transaction Value, 2016, Split By Payment Mechanism, ($18.6 trillion) ............ 8
1.2.2 The Rise in Digital Goods Sales ........ 8
Figure 1.4: Global Sales of Digital Goods & Services, 2016, Split By 8 Key Regions ($749 billion) ....... 8
1.2.3 Money Transfer: MTOs Facing Pureplay Digital Challenge ... 9
Figure 1.5: International Remittance Value, 2016, Split By Remittance Mechanism ($575 billion) ...... 9
1.3 The Digital Payments Opportunity ........ 10
Figure & Table 1.6: Digital Payments Transaction Value ($m), Split By Payment Type, 2016-2021 ......... 10

2. Payment Cards & Networks: Strategic Assessment

2.1 Introduction: Payment Networks in Transition ...... 12
2.2 Payment Cards: Market Overview ......... 12
Figure 2.1: Global Credit/Debit/ATM Cards in Issue, End 2016 (12.1 billion cards) ........... 12
2.2.1 UnionPay: Strategic Approach ........ 12
2.2.2 Visa & Mastercard: The Chinese Opportunity ..... 13
2.3 Contactless Payments: EMVCo Approaches ...... 14
2.3.1 EMVCo: Wallet Strategies ....... 14
Figure 2.2: Visa Checkout: Key Metrics, March 2017 ..... 14
Figure 2.3: Masterpass: Key Metrics, May 2017 .......... 15
i. Alternatives to NFC: Addressing the Demand for QR Codes ...... 15
Figure & Table 2.4: QR Code-Based Wallet Users (m) Split by 8 Key Regions 2016-2021 ...... 17
Figure 2.5: Key QR Metrics, Indian Subcontinent & Africa, 2021 ...... 17
ii. Prepaid Cards ......... 18
2.3.2 EMVCo: Tokenisation Strategies ....... 18
i. Beyond Mobile Payment: Tokenisation in the IoT ........ 19
Figure 2.6: Payment Capable Connected Devices, 2020 (8.8 billion) .. 20
2.4 Online Payments Networks: The Challenge of Fraud ....... 20
2.4.1 3DS 2.0 (3D Secure 2.0) ........ 20
Figure 2.7: 3DS1.x vs 2.0 ........... 22
2.5 Strategic Recommendations for Payment Networks .. 23
2.5.5 Strategic Prioritisation Summary ....... 25
Table 2.8: EMVCo Members Strategic Priorities Summary......... 25

3. Payment Service Providers: Strategic Assessment

3.1 Introduction ............ 27
3.2 Key PSP Requirements ........ 27
3.2.1 Simplifying Merchant Onboarding ........ 27
3.2.2 Simplifying the Fee Structure .... 27
3.2.3 Addressing Fraud Risk......... 28
Figure 3.1: Annual Remote Physical & Digital Goods Transactions (m) 2016-2021 .......... 28
i. Fraud Chargebacks ........ 29
Figure 3.2: Country Level Fraud Chargeback Rates (%) 2015 & 2016 ? Large Corporations ....... 29
3.2.4 The Cross-Border Challenge ..... 30
i. Regulatory Analysis: SCT Inst ....... 30
ii. Technological Analysis: Blockchain ........ 31
Figure 3.3: Current Cross-Border Settlement Process .... 31
Figure 3.4: Blockchain-based Cross-Border Settlement Process ...... 32
3.2.5 Expanding Partnerships ....... 32
3.2.6 Creating Retailer Choice ...... 32
Figure 3.5: Bitcoin Retail Market Snapshot ...... 33
i. Enabling the Omnichannel Experience ...... 33
3.2.7 Challenge Assessment......... 34
Figure 3.6: Juniper Challenge Assessment Matrix: Payment Service Providers .. 34
3.3 Vendor Analysis: Juniper Leaderboard ...... 34
Table 3.7: Stakeholder Assessment Criteria: Payment Service Providers ..... 35
3.3.1 Vendor Analysis: Capability Assessment & Market Positioning ....... 36
Table 3.8: Juniper Leaderboard Scoring Matrix: Payment Service Provider Scoring ......... 36
Figure 3.9: Juniper Leaderboard for Payment Service Providers ...... 37
3.3.2 Vendor Groupings .... 38
i. Established Leaders ....... 38
ii. Leading Challengers ...... 38
3.4 Strategic Recommendations for Payment Service Providers ... 39
3.4.7 Strategic Prioritisation Summary ....... 41
Table 3.10: PSPs Strategic Priorities Summary .......... 41

4. OTT & OEM Payment Providers: Strategic Assessment

4.1 Introduction ............ 43
4.2 National Snapshots ..... 43
4.2.1 Apple & the US Wallet Opportunity ...... 43
Figure 4.1: US Market Snapshot ...... 43
4.2.2 China: The Leading mCommerce Hub .... 44
i. Overview ...... 44
Figure 4.2: China Mobile Wallets Market Snapshot ........ 44
ii. Alipay vs Weixin Pay ..... 45
Figure 4.3: Evolution of Weixin/WeChat ....... 46
4.2.3 India: Banking Liberalisation & Demonetisation ... 47
Figure 4.4: India Market Snapshot ...... 47
i. Market Leader: Paytm .... 48
Table 4.5: Selected Indian Mobile Wallet Adoption ...... 48
ii. Demonetisation .......... 49
iii. The Emergence of UPI .......... 49
iv. Future Prospects ....... 50
4.3 The Rise of HCE: Beyond Android Pay ...... 50
Figure 4.6: Banks with Commercial HCE Deployments, by Region, End 2016 ... 51
Figure 4.7: PayPal One Touch Users (m), 2015-2016 .... 52
4.4 Regulation: PSD2 Levels the European Payments Playing Field....... 54
i. SCA (Strong Customer Authentication) ...... 55
ii. Possible Expansion of Open Banking APIs ..... 55
4.5 Challenge Assessment......... 56
Figure 4.8: Juniper Challenge Assessment Matrix: OTT/OEM Wallets (Developed Markets) .......... 56
4.6 Vendor Analysis: Juniper Leaderboard ...... 56
Table 4.9: Stakeholder Assessment Criteria: OTT/OEM Payment Providers.... 57
Table 4.10: Juniper Leaderboard Scoring Matrix: OTT/OEM Payment Providers 58
Figure 4.11: Juniper Leaderboard for OTT/OEM Payment Providers ... 59
4.7 Strategic Recommendations for OTT/OEM Payment Providers 61
4.7.7 Strategic Prioritisation Summary ....... 63
Table 4.12: OTT/OEM Payment Provider Strategic Priorities Summary ........ 63

5. Telco Payment Providers: Strategic Assessment

5.1 Introduction ............ 65
5.2 Mobile Wallets ........ 65
5.2.1 Money Transfer Services ........ 65
5.2.2 Evolving the Inclusive Opportunity: Deploying Sophisticated Mobile Financial Services .......... 65
Figure 5.1: Mobile Money Deployments (as of October 2016) ........ 66
Figure 5.2: Phased Evolution of Mobile Money ... 66
5.2.3 The Revenue Opportunity: Monetising Mobile Money ...... 67
5.2.4 Contactless Payments.......... 67
5.3 Carrier Billing: Leveraging the Billing Relationship .... 68
Table 5.3: Carrier Billing Availability by Selected Storefront, June 2017 ....... 68
5.3.1 Digital Goods Payments: The Telco Opportunity .. 69
Figure 5.4: Operator Billed Content ? 2021 Forecast Snapshot ..... 69
i. Challenge Assessment ............ 69
Figure 5.5: Juniper Challenge Assessment Matrix: Content Carrier Billing ...... 69
5.3.2 From Digital to Physical Goods ......... 70
i. Scenario: 1-2% of eRetail Transactions in Strong Postpaid Markets Billed to Carrier Billing by 2021 ....... 71
Figure 5.6: MNO Revenues from Carrier Billed eRetail, 2021, Split by 8 Key Regions ($571 million) ...... 71
Table 5.7: Stakeholder Assessment Criteria: Telco Payment Providers ....... 73
5.4.2 Vendor Analysis: Capability Assessment & Market Positioning ....... 74
Table 5.8: Juniper Leaderboard Scoring Matrix: Telco Payment Providers ...... 74
i. Leaderboard Matrix Scoring Analysis ........ 75
Table 5.9: Carrier Billing Availability, Selected Telcos, June 2017 .... 75
Figure 5.10: Telco Financial Product Range Comparison .. 76
Figure 5.11: Juniper Leaderboard for Telco Payment Providers .... 77
5.4.3 Vendor Groupings .... 78
i. Established Leaders ....... 78
ii. Leading Challengers...... 78
iii. Disruptors & Emulators .......... 78
5.5 Strategic Recommendations for Telco Payment Providers ... 79
Figure 5.12: MNOs, Selected Postpaid User Base (m), March 2017 ... 80
5.5.4 Strategic Prioritisation Summary ....... 82
Figure 5.13: Telco Payment Provider Strategic Priorities Summary .. 82

6. Appendix: Leaderboard Limitations & Interpretations

 

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