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모바일 지갑 시장 : 성장, 동향, COVID-19의 영향, 예측(2021-2026년)

Mobile Wallet Market - Growth, Trends, COVID-19 Impact, and Forecasts (2022 - 2027)

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발행일 2022년 01월 상품코드 989389
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모바일 지갑 시장 : 성장, 동향, COVID-19의 영향, 예측(2021-2026년) Mobile Wallet Market - Growth, Trends, COVID-19 Impact, and Forecasts (2022 - 2027)
발행일 : 2022년 01월 페이지 정보 : 영문

본 상품은 영문 자료로 한글과 영문 목차에 불일치하는 내용이 있을 경우 영문을 우선합니다. 정확한 검토를 위해 영문목차를 참고해주시기 바랍니다.

모바일 지갑 시장 규모는 2021-2026년간 22.5%의 연평균 복합 성장률(CAGR)로 확대될 것으로 예상됩니다. 수년에 걸쳐 결제 방식은 현금에서 체크카드, 온라인 거래로 점점 더 간소화되었습니다. Paypal과 같은 E-Commerce 방법의 출현에 의해 모바일 지갑의 주요 채택이 개시되었습니다. 그 이후로 디지털 지갑의 개념이 진화했고, 기존의 물리적인 디지털 지갑을 대신하고 있습니다.

  • 스마트폰 업계는 NFC, 5G 채용, 바이오메트릭스, 암호화, AI 등의 기능 제공에 관해서 오랜 세월에 걸쳐 빠른 기술 발전을 목격했습니다. 이것은 스마트폰이 사용자의 일상 활동에 더 많이 보급되어 성장을 활용하고 있음이 분명합니다. 모바일 지갑이 제공하는 비용 효율과 편리성은 스마트폰 사용자 증가세를 활용하고 있는 금융 업계를 포함한 다양한 업계 성장을 가속하고 있습니다.
  • 또한 eCommerce, mCommerce 등의 플랫폼은 사용자가 자신의 지갑에 은행 정보를 입력할 수 있도록 하고, 그 자리에서 휴대폰을 신용카드나 체크카드 결제로 활성화하여 쇼핑과 같은 금전 거래를 하면서 사용자 습관을 바꾸는 데에 중요한 역할을 했습니다. 토큰화 등의 기술을 활용하여 보안을 확보하고, 도난 위험을 본질적으로 배제함으로써 시장 성장에 기여하고 있습니다.
  • 근거리 무선통신, 음파 결제, MST 결제 등의 모바일 POS 솔루션에 의해 서비스 및 판매 조직은 한 곳에 한정되지 않고, 다양한 방법으로 금전 거래를 할 수 있습니다. 푸드 트랙, 무역박람회, 사용자 경험 향상은 주요 소매업체가 mPOS 기술을 활용하고 유동 인구 감소를 지원하고 있는 것에서 분명하게 알 수 있습니다. 예를 들어, NFC는 Apple Pay, Samsung Pay, GooglePay 등 주요 모바일 지갑의 기술을 강화하고 있습니다.
  • 모바일 결제 시스템은 스마트 워치와 같은 웨어러블 기술을 사용하여 스마트폰이나 태블릿의 범위를 넘어 확대하고 있고, 링 벤더는 현재 블록체인 등 파괴적인 기술의 가능성을 활용하여 트랜잭션 보안을 확보사고, 데이터 프라이버시 우려에 대처하면서 IoT를 채용하고 있습니다. 예를 들어, Apple Inc는 비접촉형 결제, 개인간 결제, 모바일 지갑을 통한 트래시트 카드 등의 서비스를 제공하고 있고, Apple Watch로 불리는 스마트워치에 Apple pay를 제공합니다.

세계의 모바일 지갑(Mobile Wallet) 시장을 조사했으며, 시장 개요, 시장 성장요인 및 저해요인 분석, 시장 기회, 결제 방법·애플리케이션·지역별 시장 규모 추이와 예측, 경쟁 구도, 주요 기업 개요 등의 정보를 제공합니다.

목차

제1장 서론

제2장 조사 방법

제3장 개요

제4장 시장 역학

  • 시장 개요
  • 시장 추진력
    • 스마트폰 사용자 증가
    • 디지털 전환을 위한 정부 이니셔티브
    • 모바일 지갑 벤더 및 제휴 조직에 의한 확실한 할인, 쿠폰, 캐쉬백 오퍼
    • E-Commerce 플랫폼의 성장
    • 모바일 지갑이 제공하는 편리한 사용과 편의성
  • 시장 억제요인
    • 최종사용자의 데이터 프라이버시 우려
  • Porter의 산업 분석

제5장 시장 세분화

  • 결제 방법별
    • 근접성(NFC, 음파 기반 결제, 자기 시큐어 전송(MST) 결제, QR 코드 결제)
    • 원격 결제(인터넷 결제, SMS 결제, 직접 캐리어 결제, 모바일 뱅킹)
  • 애플리케이션별
    • 모바일 커머스
    • 송금
    • 소액결제
    • 소매
    • 레스토랑
    • 대중교통
  • 지역별
    • 북미
    • 유럽
    • 아시아태평양
    • 라틴아메리카
    • 중동 및 아프리카

제6장 경쟁 구도

  • 기업 개요
    • Apple Inc
    • Google Inc
    • Tencent Holdings Ltd.
    • PayPal Holdings, Inc.
    • Samsung Electronics Co., Ltd.
    • MasterCard Incorporated
    • Visa Inc.
    • Ant Financial Services Group
    • JP Morgan Chase &Co.
    • Mobikwik
    • Paytm
    • The American Express Company
    • First Data Corporation

제7장 시장 기회와 동향

LSH 21.03.02

The market for the global mobile wallet is expected to register a CAGR of 22.5% over the forecast period (2021 - 2026). Over the years, the mode of payment has become increasingly streamlined from cash to debit cards, to online transactions additionally with the advent of eCommerce methods such as Paypal has initiated the major adoption of mobile wallet, Since then the concept of the digital wallet has evolved replacing the traditional physical-digital wallet.

Key Highlights

  • The smartphone industry over the course of years has witnessed rapid technological advancements in terms of features offered including NFC, 5G adoption, biometrics, encryption, AI among others which is evident with greater penetration of smartphones in users' everyday activities which thereby is leveraging the growth of various industries including the financial industry that is leveraging the gaining momentum of growing smartphone users owing to the cost-effectiveness and convenience offered by the mobile wallets.
  • Also, The platforms such as eCommerce and mCommerce have played a major role in altering the habits of users while doing monetary transactions such as shopping by allowing users to enter the banking information into their respective wallet and enabling mobile phone as a mode payment in the place of credit and debit cards while ensuring security is handled on their side leveraging technologies such as tokenization and essentially eliminating the risk of being stolen thereby has fostered the growth of the market.
  • Mobile-point-of-sale solutions such as Near field Communication, Sound wave payments, MST payments enable the service and sale organizations to conduct the monetary transaction in a versatile way without restricting to a single location allowing merchants to run mobility businesses such as food tracks, trade shows while improving the user experience which is evident by major retailers adopting the mPOS technology to support the decline foot traffic. For instance, NFC powers the technology behind major mobile wallets like Apple Pay, Samsung Pay, and Google Pay.
  • Additionally, the mobile payment systems are expanding beyond the scope of smartphones and tablets with the use of wearable technology such as smartwatches, rings vendors are now embracing IoT while leveraging the potential of disruptive technologies such as blockchain to ensure the security of transaction and countering the concerns over data privacy. For instance, Apple Inc offers services such as contactless payments, person to person payments, Transit cards through their mobile wallet offering Apple pay onto their smartwatch called Apple Watch.

Key Market Trends

Proximity Payments to Witness the Fastest Market Growth

  • Although there are various proximity payment based mobile wallet available in the market including NFC, UHF, MST, Location-based payments among others, However, The Near Field Communication, QR and Magnetic Secure Transmission are leading technologies driving the market
  • NFC solutions enable users to seamlessly integrate existing payment cards through mobile phones and activation of payment services added with convenience and assured security. Even so, it makes contactless payment via wearables leveraging tokenization. Also, it also integrates with vendor machines
  • Also, owing to its low processing fees will help retailers to achieve cost and operational efficiency and obtain data opportunities and loyalty which turn could be used to improve relations with customers. For instance, All the major mobile wallet vendors such as Apple Inc, Google LLC, Samsung Corporation utilize NFC technology on top their mobile wallet
  • Also, Developed region such as North America already have substantial market for NFC powered devices such as smartphones, chips , readers added to it many wireless carriers such as Verizon, AT&T have implemented NFC in their products
  • While In the emerging market such as India most smartphones do not come equipped with NFC technology and people relay on the platform called Unified Payment Interface (UPI) developed by the National Payments Corporation of India which is based on QR code.
  • Additionally, In order to counter the data privacy and centralization concerns, vendors are now planning on leveraging cryptocurrecncy powered technologies such as Blockchain. For instance, In November 2019, JPMorgan Chase announced it has created an e-Wallet product intended to large tech firms such as Amazon, Airbnb, and Lyft. The new wallet aims to bring an open virtual account that no processing fees and is powered by Blockchain technology, Evident by its prior launch, the company launched a cryptocurrency called JPM coin that enables the instantaneous transfer of payment between the institutional clients in February 2019.

Asia-Pacific to Witness the Fastest Market Growth

  • China has always been a major player in the mobile economy leveraging its fintech firms enabling cashless payment across the country until recently, southeast Asia is catching the rise majorly due to its robust economic growth added smartphone penetration in the market
  • Also, the traditionally cash-reliant economy is leveraging the host of vendors in the region such as ride-rentals, remittance firms, fintech startups, banks to provide people in Southeast Asia greater access to e-wallets, microloans, insurtech products through smartphones. For instance, According to Forbes, Indonesia is one of the mobile-first countries in the world with 95% of internet users reported as mobile users
  • According to a report from Gooogle, Temasek and Bain & Company, Southeast Asia digital payment industry is projected to grow the gross transaction volume from USD 600 billion in 2019 to USD 1.1 trillion by 2025, with e-wallets sharing USD 22 billion in 2019 and USD 114 billion in 2025
  • To capture such potential market, Global vendors are strategically collaborating and acquiring local vendors. For instance In December 2019, Ant Financial has patnered with several local wallets in Southeast Asia and has invested in eMonkey to capture digital payments market share in the region.
  • Additionally, Government initiative such as Digital India leverage the growth of the market in the region

Competitive Landscape

The mobile wallet market is highly competitive and consists of several major players. In terms of market share, few of the major players currently dominate the market. These major players with a prominent share in the market are focusing on expanding their customer base across foreign countries. These companies are leveraging strategic collaborative initiatives, acquisitions to increase their market share and increase their profitability.

  • December 2019- Ant financials announced that it has acquired a sizable stake in eMonkey, a Vietnamese e-wallet and report it will be controlling about 50% of eMonkey operations with significant influence on the wallet. This acquisition will enable Ant financials to enter the Vietnamese payment market leveraging the operating licenses of eMonkey from the State Bank of Vietnam as it plans to invest several hundred million dollars in the market in the near future.
  • November 2019- In response to the prior announcement of Tencent to support international card schemes in its mobile wallet, Visa released a statement that it believes the strategy would leverage the international consumers traveling to china. Visa is currently collaboratively working with Tencent to develop an environment where visa cardholders will be able to visa cards in china wherever WeChat pay is accepted.

Additional Benefits:

  • The market estimate (ME) sheet in Excel format
  • 3 months of analyst support

TABLE OF CONTENTS

1 INTRODUCTION

  • 1.1 Study Assumptions and Market Definition
  • 1.2 Scope of the Study

2 RESEARCH METHODOLOGY

3 EXECUTIVE SUMMARY

4 MARKET DYNAMICS

  • 4.1 Market Overview
  • 4.2 Market Drivers
    • 4.2.1 Growth of smartphone User
    • 4.2.2 Government initiative towards digital transformation
    • 4.2.3 Assured discount, coupons, and cashback offers by mobile wallet vendors and partnered organizations
    • 4.2.4 Growth of e-commerce platforms
    • 4.2.5 Ease and Convience offered by mobile wallets
  • 4.3 Market Restraints
    • 4.3.1 Data Privacy concerns by end-users
  • 4.4 Industry Attractiveness - Porter's Five Force Analysis
    • 4.4.1 Threat of New Entrants
    • 4.4.2 Bargaining Power of Buyers
    • 4.4.3 Bargaining Power of Suppliers
    • 4.4.4 Threat of Substitute Products
    • 4.4.5 Intensity of Competitive Rivalry

5 MARKET SEGMENTATION

  • 5.1 Mode of Payment
    • 5.1.1 Proximity ( NFC,Sound waves-based payments,Magnetic secure transmission (MST) payments,Quick response (QR) code payments)
    • 5.1.2 Remote Payment (Internet payments,SMS payments,Direct carrier billing,Mobile banking)
  • 5.2 Application
    • 5.2.1 Mobile Commerce
    • 5.2.2 Money Transfer
    • 5.2.3 Micropayment
    • 5.2.4 Retail
    • 5.2.5 Restaurant
    • 5.2.6 Public Transport
  • 5.3 Geography
    • 5.3.1 North America
    • 5.3.2 Europe
    • 5.3.3 Asia-Pacific
    • 5.3.4 Latin America
    • 5.3.5 Middle East and Africa

6 COMPETITIVE LANDSCAPE

  • 6.1 Company Profiles
    • 6.1.1 Apple Inc
    • 6.1.2 Google Inc
    • 6.1.3 Tencent Holdings Ltd.
    • 6.1.4 PayPal Holdings, Inc.
    • 6.1.5 Samsung Electronics Co., Ltd.
    • 6.1.6 MasterCard Incorporated
    • 6.1.7 Visa Inc.
    • 6.1.8 Ant Financial Services Group
    • 6.1.9 JP Morgan Chase &Co.
    • 6.1.10 Mobikwik
    • 6.1.11 Paytm
    • 6.1.12 The American Express Company
    • 6.1.13 First Data Corporation

7 MARKET OPPORTUNITIES AND FUTURE TRENDS

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