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決済事業者の戦略:市場機会、リスク&競合 2019-2023年

Strategies for Payment Providers

Opportunities, Risks & Competition 2019-2023

 

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3月GBP2,990
企業ライセンス(PDF+Excel)
89

サマリー

このレポートは世界の決済産業を調査し、新しい市場機会や市場動向の分析から決済事業者への戦略提言を行っています。

主な掲載内容  ※目次より抜粋

  1. 新しい決済の背景
  2. ペイメントカード&ネットワーク:戦略評価
  3. 決済サービスプロバイダ:戦略評価
  4. OTT&OEM決済事業者:戦略評価
  5. 通信サービス事業者:戦略評価
Overview
The latest edition of Juniper’s Strategies for Payment Providers is specifically designed to provide payment industry executives with an objective assessment of how an array of possible business approaches will play out; enabling them to prioritise their decisions in this fast-evolving space.

Providing an in-depth assessment of digital payment provider challenges and opportunities, this research is a must-have strategic guide for industry professionals.

This research includes:
  • Market Trends & Opportunities (PDF)
  • 5-Year Market Sizing & Forecast Spreadsheet (Excel)

Key Features

  • Market Landscape: In-depth assessment of, and insights into, the payments landscape, including:
    • Retail spend patterns, offline and online
    • Key market disruptors
  • Strategic Recommendations: Strategic options for players across the value chain assessed and prioritised.
  • Benchmark Industry Forecasts: Consumer spend on both the online and offline space, by country and payment mechanism.
  • Juniper Leaderboards: 3 Juniper Leaderboards, positioning 42 players across the payments ecosystem.

Key Questions

  1. How can digital payment providers maximise their revenue opportunity?
  2. Which business models will be ‘best fit’ options for OEMs and OTTs?
  3. Which players are in the best position to capitalise on the burgeoning digital payments market?
  4. To what extent will analogue payments migrate to digital over the next 5 years?
  5. Can telcos deliver digital payment services?

Companies Referenced

Included in Juniper Leaderboards: 2Checkout, Adyen, Airtel, Alibaba, Amazon, America Movil, Apple, AT&T, Baidu, Bell Canada, Chase, China Mobile, CyberSource, Deutsche Telekom, Dwolla, First Data, FitBit, Garmin, Globe, Google, Huawei, Mastercard, MTN, Orange, Payline, PayPal, Paytm, Sage, Samsung, Skrill, Stripe, Telefonica, Telenor, Tencent, Veon, Verizon, Visa, Vodafone, Worldpay, Yandex.
 
Mentioned: 2C2P, ABECS (Associação Brasileira das Empresas de Cartões de Crédito e Serviços, the Brazilian Association of Credit Card and Services Companies), Accenture, ACDelco, American Express, Ant Financial Group, Arbejdernes Landsbank, Association of Local Banks, Savings Banks and Cooperative Banks, Avangate, Axis Bank, Banco do Brasil, Bango, Bank of America, Bank of China, Barclaycard, Bijilipay, BlackBerry, BluePay, BOKIS Partnership, Boku, Bradesco, Buick, Cadillac, Caixa Econômica Federal, Capital One, CardConnect, Century Payments, Chevrolet, Citi, CMB (China Merchants Bank), Coin, Commercial Bank of Ceylon, Dankort, Deutsche Bank, DIGISEQ, Diners Club, Discover, DOCOMO Digital, East West Bank, EBA Clearing, eBay, Ecobank, EE, Elo, EMVCo, Experian, Express (Hangzhou) Technology Services Co, Facebook, Fidesmo, Fifth Third Bank, Fortumo, GCC (Gulf Cooperation Council), Gemalto. Giesecke + Devrient, Girocard, GM (General Motors), GSMA, IBM, iDEAL, Indosat, Ingenico, Inside Secure, IPC Media, JCB, Jyske Bank, KDDI, Key Bank, Lengow, LianLian Group, MCX, Millennium bcp, MobiKwik, MoneyGram, Montblanc, Mutual Trust Bank, National Bank of Ukraine, Nielsen, NLB, NTT DOCOMO, NXP Semiconductors, Nykredit Bank, One97 Communications, Oxigen, Pagobancomat, PayMa, Payment Express, Payoneer, Paysafe, Payvision, PBOC (People’s Bank of China), PhonePe, Planet Payment, QQ, Rakuten, RuPay, Safaricom, Saxo Payments, Sberbank, SecureBuy, Shape, Southern Commercial Bank, Spar Nord Bank, Square, Starbucks, SWIFT, Sydbank, Telkomsel, Tigo, TransferWise, UK Payments Strategy Forum, UnionPay, US Bank, Vantiv, VIVO, VocaLink, WeChat, Wells Fargo, Western Union, Whistl, Wirecard, World Bank, Xoom, Yespay, YouGov, Zenith Bank.

Data & Interactive Forecast

The new Strategies for Payment Providers forecast suite includes:
  • Market data splits for 8 key regions and 11 countries including:
    • Canada
    • China
    • Denmark
    • Germany
    • Japan
    • Norway
    • Portugal
    • Spain
    • Sweden
    • UK
    • US
  • Forecasts for Global Retail Payments, Split by Region and by Channel
  • Access to the full set of forecast data of 7 tables and over 500 data points
Juniper Research’s highly granular interactive Excels enable clients to compare select markets 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.
 
Regions:
8 Key Regions - includes North America, Latin America, West Europe, Central & East Europe, Far East & China, Indian Subcontinent, Rest of Asia Pacific and Africa & Middle East
Countries:
Canada, China, Denmark, Germany, Japan, Norway, Portugal, Spain, Sweden, UK, US

 



目次

Table of Contents

1. The New Payments Landscape

1.1 Introduction . 6
1.2 From Analogue to Digital: The Evolution of Payments . 6
Figure 1.1: eRetail Sales ($bn), 2001, 2010 & 2018 . 6
Figure 1.2: Global eRetail Spend, Leading Markets, 2018 . 7
Figure 1.3: Global Retail Transaction Value, Split by Location/Device, 2018. 8
1.2.1 Cards Now Account for Majority of Offline Payments . 8
Figure 1.4: Global Instore Payments Transaction Value, Split by Payment Mechanism, 2018 . 8
Figure 1.5: Proportion of Instore POS Transactions (%) Made by Contactless Cards, Selected Markets, 2018 . 9
Figure 1.6: Leading Instore Payments Providers by Transaction Value ($bn), 2018 . 9
1.2.2 The Rise in Digital Goods Sales . 10
Figure 1.7: Global Sales of Digital Goods & Services, Split By 8 Key Regions, 2018 . 10
1.2.3 Money Transfer: MTOs Facing Pureplay Digital Challenge . 10
Figure 1.8: International Remittance Value, 2018, Split By Remittance Mechanism . 11
1.3 The Payments Opportunity . 12
Figure & Table 1.9: Selected Consumer Payments, Annual Transaction Value ($trillion), Split By Payment Type, 2018 & 2023 . 12

2. Payment Cards & Networks: Strategic Assessments

2.1 Introduction: Payment Networks in Transition . 14
2.2 Payment Cards: Market Overview . 14
2.2.1 UnionPay: Strategic Approach . 14
Figure 2.1: Global Credit/Debit/ATM Cards in Issue, End 2018 . 14
2.2.2 Overseas Cards: The Chinese Opportunity . 15
2.2.3 Emergence of Local Players & International Partnerships . 16
Figure 2.2: Local Payment Cards, Instore Share of Card Payments by Value, 2018 (%) . 16
2.3 Contactless Payments: EMVCo Approaches . 17
2.3.1 EMVCo: Wallet Strategies . 17
Figure 2.3: Visa Checkout: Key Metrics, September 2018 . 17
i. Alternatives to NFC: Addressing the Demand for QR Codes . 17
Figure 2.4: China, Instore Payments Mechanism Market Share (%), 2018 . 19
Figure 2.5: Instore Spend via QR Code ($bn), Leading Markets, 2023 . 19
ii. Prepaid Cards . 20
iii. mWallet2GO . 20
2.3.2 EMVCo: Tokenisation Strategies . 20
i. Online Tokenisation: SRC . 21
ii. Beyond Mobile Payment: Tokenisation in the IoT . 22
Figure 2.6: Payment Capable Connected Devices, 2023 . 23
2.4 Online Payments Networks: The Challenge of Fraud . 23
2.4.1 3DS 2.0 (3D Secure 2.0) . 23
Figure 2.7: 3DS1.x vs 2.0 . 24
2.5 Strategic Recommendations for Payment Networks . 26
Table 2.8: EMVCo Members Strategic Priorities Summary. 27

3. Payment Service Providers: Strategic Assessment

3.1 Introduction . 29
3.2 Key PSP Requirements . 29
3.2.1 Simplifying Merchant Onboarding . 29
3.2.2 Simplifying the Fee Structure . 30
3.2.3 Addressing Fraud Risk. 30
Figure 3.2: Annual Remote Physical & Digital Goods Transactions (m) 2018-2023 . 31
i. Modelling the Impact of Manual Reviews & False Positives . 31
3.2.4 The Cross-Border Challenge . 34
i. Regulatory Analysis: SCT Inst . 35
ii. Technological Analysis: Blockchain . 36
Figure 3.4: Current Cross-border Settlement Process . 36
Figure 3.5: Blockchain-based Cross-border Settlement Process . 36
Figure 3.6: Cross-Border Settlement Cost Elements Addressable by Blockchain,
Juniper Research Estimates Per Transaction ($) . 37
3.2.5 Expanding Partnerships . 37
3.2.6 Localisation . 38
Figure 3.7: iDEAL: Netherlands Snapshot, 2017 . 38
i. Enabling the Omnichannel Experience . 39
3.2.7 Challenge Assessment. 39
Figure 3.8: Juniper Challenge Assessment Matrix: Payment Service Providers . 39
3.3 Vendor Analysis: Juniper Leaderboard . 40
3.3.1 Vendor Assessment Methodology . 40
Table 3.9: Stakeholder Assessment Criteria: Payment Service Providers . 40
3.3.2 Vendor Analysis: Capability Assessment & Market Positioning . 41
Table 3.10: Juniper Leaderboard Scoring Matrix: Payment Service Provider Scoring . 41
Figure 3.11: Juniper Leaderboard for Payment Service Providers . 42
3.3.3 Vendor Groupings . 43
i. Established Leaders . 43
ii. Leading Challengers. 43
iii. Disruptors & Emulators . 44
3.4 Strategic Recommendations for Payment Service Providers . 44
Table 3.12: PSPs Strategic Priorities Summary . 46

4. OTT & OEM Payment Providers: Strategic Assessment

4.1 Introduction . 48
4.2 National Snapshots . 48
4.2.1 Apple & the US Wallet Opportunity . 48
Figure 4.1: US Market Snapshot, 2018 . 48
Figure 4.2: Apple Pay Acceptance, US Retailers, 2014-2018 . 49
4.2.2 China: The Leading mCommerce Hub . 49
i. Overview . 49
Figure 4.3: China Mobile Wallets Market Snapshot, 2018 . 50
ii. Alipay vs Weixin Pay vs Baidu Wallet . 50
Figure 4.4: Evolution of Weixin/WeChat . 51
iii. The ‘Red Envelope’ Phenemenon . 51
Figure 4.5: Weixin/WeChat Pay ‘Red Envelope’ Volumes During Chinese Lunar New Year, 2015-2018 . 52
iv. The Offline Phenomenon . 52
v. The International Opportunity . 53
Figure 4.6: Annual Spend by Chinese Tourists Overseas ($bn), 2014-2017 . 53
Figure 4.7: Alipay - The International Opportunity . 53
4.2.3 India: Banking Liberalisation & Demonetisation . 54
Figure 4.8: India Market Snapshot, 2018 . 54
i. Market Leader: Paytm. 55
Figure 4.9: Indian Mobile Wallet Transaction Volumes, 2017 . 56
ii. Demonetisation . 56
Figure 4.10: Indian Wallet Annual Transaction Volumes (m) & Values ($m), 2014-
2018 . 57
iii. The Emergence of UPI . 57
iv. International Players Sense Opportunity . 57
4.3 The Rise of HCE: Beyond Android Pay . 58
4.4 Regulation: PSD2 Levels the European Payments Playing Field. 59
i. Possible Expansion of Open Banking APIs . 60
4.5 Challenge Assessment. 60
Figure 4.11: Juniper Challenge Assessment Matrix: OTT/OEM Wallets (Developed Markets) . 60
4.6 Vendor Analysis: Juniper Leaderboard . 61
4.6.1 Vendor Assessment Methodology . 61
Table 4.12: Stakeholder Assessment Criteria: OTT/OEM Payment Providers . 61
Table 4.13: Juniper Leaderboard Scoring Matrix: OTT/OEM Payment Providers 62
Figure 4.14: Juniper Leaderboard for OTT/OEM Payment Providers . 63
4.7 Strategic Recommendations for OTT/OEM Payment Providers 65
Table 4.15: OTT/OEM Payment Provider Strategic Priorities Summary . 69

5. Telco Service Providers: Strategic Assessment

5.1 Introduction . 71
5.2 Mobile Wallets . 71
5.2.1 Money Transfer Services . 71
5.2.2 Evolving the Inclusive Opportunity: Deploying Sophisticated Mobile Financial Services . 71
Figure 5.1: Active Mobile Money Deployments (February 2019) . 72
Figure 5.2: Phased Evolution of Mobile Money . 72
5.2.3 The Revenue Opportunity: Monetising Mobile Money . 73
5.2.4 NFC Payments . 73
5.3 Carrier Billing: Leveraging the Billing Relationship . 74
Table 5.3: Carrier Billing Availability by Selected Storefront, December 2018 . 74
5.3.1 Digital Goods Payments: The Telco Opportunity . 74
Figure 5.4: Operator Billed Content - 2023 Forecast Snapshot . 75
i. Challenge Assessment . 75
Figure 5.5: Juniper Challenge Assessment Matrix: Content Carrier Billing . 75
5.3.2 From Digital to Physical Goods . 76
5.3.3 Juniper’s View . 77
5.3.4 Forecasts . 78
Figure 5.6: Remote Physical Goods, Value of Transactions Made via Carrier
Billing ($m) Split by 8 Key Regions 2017-2022 . 78
Figure & Table 5.7: Remote Physical Goods, Operator Revenues from Carrier
Billing ($m), Split by 8 Key Regions, 2017-2022 . 79
Table 5.8: Stakeholder Assessment Criteria: Telco Payment Providers . 80
5.4.2 Vendor Analysis: Capability Assessment & Market Positioning . 81
Table 5.9: Juniper Leaderboard Scoring Matrix: Telco Payment Providers . 81
i. Leaderboard Matrix Scoring Analysis . 82
Table 5.10: Carrier Billing Availability, Selected Telcos, February 2019 . 82
Table 5.11: Telco Financial Product Range Comparison . 83
Figure 5.12: Juniper Leaderboard for Telco Payment Providers . 84
5.4.3 Vendor Groupings . 85
i. Established Leaders . 85
ii. Leading Challengers . 85
iii. Disruptors & Emulators . 86
5.5 Strategic Recommendations for Telco Payment Providers. 86
Figure 5.13: MNOs, Selected Postpaid User Base (m), December 2018 . 88
Table 5.14: Telco Payment Provider Strategic Priorities Summary . 89

 

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