차량내 결제 시스템 시장 예측(-2030년) : 결제 유형별, 차종별, 기술별, 용도별, 최종사용자별, 지역별 세계 분석

According to Stratistics MRC, the Global In-Vehicle Payment Systems Market is accounted for $6.9 billion in 2024 and is expected to reach $15.3 billion by 2030 growing at a CAGR of 14.1% during the forecast period. In-Vehicle Payment Systems are integrated technologies that enable drivers and passengers to make transactions directly from their vehicles. These systems allow for seamless payments at various locations such as gas stations, toll booths, and parking meters without needing to use traditional payment methods like cash or credit cards. By leveraging onboard connectivity and secure communication channels, In-Vehicle Payment Systems enhance convenience and efficiency, offering a streamlined experience for users while minimizing the need for physical interaction during transactions.

According to the data published by infopulse, 47.2% of the daily commuters were found using connectivity applications at a gas station.

Market Dynamics:

Driver:

Rising adoption of connected and autonomous vehicles

The rising adoption of connected and autonomous vehicles is significantly influencing the market. As vehicles become more integrated with technology, they can exchange data with external systems, enabling seamless payment transactions for services like fuel, parking, and tolls directly from the vehicle's dashboard. This trend is supported by major automotive brands investing in connected car payment technologies, enhancing user convenience and driving demand for in-car payment solutions.

Restraint:

Cybersecurity concerns

Cybersecurity concerns significantly hinder the adoption of in-vehicle payment systems, as they create apprehensions about the safety of sensitive financial data. The integration of payment functionalities into vehicles introduces potential vulnerabilities that cybercriminals could exploit, leading to risks such as data breaches and unauthorized access to personal information. This heightened awareness of security threats prompts consumers and industry players to exercise caution, ultimately slowing the acceptance and implementation of these systems.

Opportunity:

Growing traffic congestion

As urban areas become increasingly congested, drivers seek efficient solutions to minimize delays and enhance convenience. In-vehicle payment systems enable seamless transactions for tolls, parking, and fuel without requiring drivers to exit their vehicles, thereby reducing time spent in queues and contributing to smoother traffic flow. This demand for efficiency aligns with advancements in connected vehicle technologies, making in-vehicle payment solutions an attractive option for modern drivers navigating congested environments.

Threat:

High costs of implementation

Developing the necessary hardware, software, and infrastructure to enable secure in-car payments requires significant investments from automakers and payment providers. The costs of integrating payment processing capabilities into vehicle infotainment systems and ensuring compatibility with various payment networks can be prohibitive, especially for smaller players. These high upfront costs may slow down the adoption of in-vehicle payment services and limit the number of vehicles equipped with the technology.

Covid-19 Impact:

The COVID-19 pandemic significantly accelerated the adoption of In-Vehicle Payment Systems as contactless transactions became crucial for safety and hygiene. With a growing emphasis on reducing physical contact, the demand for seamless, touch-free payment solutions surged. This shift in consumer behavior and the increased use of digital payment technologies spurred growth in the market. Additionally, the pandemic highlighted the need for more integrated, efficient payment systems within vehicles, driving innovation and investment in this sector.

The contactless payment segment is expected to be the largest during the forecast period

The contactless payment is expected to be the largest during the forecast period. This technology allows payments to be made via Near Field Communication (NFC), Bluetooth, or RFID, enabling seamless purchases for services like fuel, parking, and tolls. The convenience and safety provided by contactless payment have driven its widespread adoption, as consumers increasingly prefer touch-free transactions to minimize health risks and enhance the overall driving experience.

The fleet operators segment is expected to have the highest CAGR during the forecast period

The fleet operators segment is expected to have the highest CAGR during the forecast period. These systems allow fleet managers to monitor and control expenses such as fuel, tolls, and parking fees in real time, improving efficiency and transparency. By integrating payment systems directly into vehicles, fleet operators can also automate expense reporting and enhance security, reducing the risk of fraud. This adoption is driving growth in the market as businesses seek to optimize fleet management through advanced payment solutions.

Region with largest share:

North America is projected to hold the largest market share during the forecast period driven by the region's advanced automotive technology infrastructure and high consumer adoption of digital payment methods. The demand for seamless, contactless transactions, coupled with increasing vehicle connectivity, is fueling the market's expansion. Additionally, partnerships between automakers, payment providers, and tech companies are accelerating the deployment of integrated payment solutions.

Region with highest CAGR:

Asia Pacific is projected to hold the highest CAGR over the forecast period due to integration with smartphone apps. The growing number of connected vehicles in major countries is creating a favorable environment for the adoption of in-vehicle payment systems. The dense urban areas in the region often experience heavy traffic congestion, making in-vehicle payment systems a convenient and efficient way to pay for services like tolls, parking, and fuel without leaving the vehicle.

Key players in the market

Some of the key players in In-Vehicle Payment Systems market include BMW Group, Ford Motor Company, General Motors, Honda Motor Co., Ltd., Hyundai Motor Group, Jaguar Land Rover Automotive plc, Volkswagen AG, Mercedes-Benz, Toyota Motor Corporation, Nissan Motor Co., Ltd., Apple Inc., Mastercard, Shell plc, Visa, PayPal, Qualcomm Technologies, Inc., NVIDIA Corporation, Continental AG, Infineon Technologies AG and Alpine Electronics, Inc.

Key Developments:

In February 2024, HARMAN announced the launch of the HARMAN Ready Connect 5G Telematics Control Unit (TCU), leveraging state-of-the-art Snapdragon(R) Digital Chassis(TM) connected car technologies from Qualcomm Technologies, Inc. to push connectivity boundaries and democratize the automotive connectivity landscape.

In September 2023, Mercedes-Benz has joined forces with global payment processor Mastercard to introduce embedded in-car payments at the point of sale. As a result of the new partnership with Mastercard, Mercedes-Benz customers in Germany can now start the fuelling process directly from their vehicle and pay digitally with a fingerprint.

Payment Types Covered:

• Contactless Payment
• Mobile Payment
• In-Car Payment Systems
• Other Payment Types

Vehicle Types Covered:

• Passenger Cars
• Commercial Vehicles
• Electric Vehicles
• Luxury Vehicles

Technologies Covered:

• Near Field Communication (NFC)
• Bluetooth
• Embedded SIM (eSIM)
• RFID (Radio Frequency Identification)
• QR Code
• Other Technologies

Applications Covered:

• Fuel Payments
• Toll Payments
• Parking Payments
• Drive-Thru Payments
• Car Rental Payments
• Other Applications

End Users Covered:

• Individual Consumers
• Fleet Operators
• Car Rental Agencies
• Taxi Services
• Other End Users

Regions Covered:

• North America
  • US
  • Canada
  • Mexico
• Europe
  • Germany
  • UK
  • Italy
  • France
  • Spain
  • Rest of Europe
• Asia Pacific
  • Japan
  • China
  • India
  • Australia
  • New Zealand
  • South Korea
  • Rest of Asia Pacific
• South America
  • Argentina
  • Brazil
  • Chile
  • Rest of South America
• Middle East & Africa
  • Saudi Arabia
  • UAE
  • Qatar
  • South Africa
  • Rest of Middle East & Africa

What our report offers:

• Market share assessments for the regional and country-level segments
• Strategic recommendations for the new entrants
• Covers Market data for the years 2022, 2023, 2024, 2026, and 2030
• Market Trends (Drivers, Constraints, Opportunities, Threats, Challenges, Investment Opportunities, and recommendations)
• Strategic recommendations in key business segments based on the market estimations
• Competitive landscaping mapping the key common trends
• Company profiling with detailed strategies, financials, and recent developments
• Supply chain trends mapping the latest technological advancements

Free Customization Offerings:

All the customers of this report will be entitled to receive one of the following free customization options:

• Company Profiling
  • Comprehensive profiling of additional market players (up to 3)
  • SWOT Analysis of key players (up to 3)
• Regional Segmentation
  • Market estimations, Forecasts and CAGR of any prominent country as per the client's interest (Note: Depends on feasibility check)
• Competitive Benchmarking
  • Benchmarking of key players based on product portfolio, geographical presence, and strategic alliances

Table of Contents

1 Executive Summary

2 Preface

• 2.1 Abstract
• 2.2 Stake Holders
• 2.3 Research Scope
• 2.4 Research Methodology
  • 2.4.1 Data Mining
  • 2.4.2 Data Analysis
  • 2.4.3 Data Validation
  • 2.4.4 Research Approach
• 2.5 Research Sources
  • 2.5.1 Primary Research Sources
  • 2.5.2 Secondary Research Sources
  • 2.5.3 Assumptions

3 Market Trend Analysis

• 3.1 Introduction
• 3.2 Drivers
• 3.3 Restraints
• 3.4 Opportunities
• 3.5 Threats
• 3.6 Technology Analysis
• 3.7 Application Analysis
• 3.8 End User Analysis
• 3.9 Emerging Markets
• 3.10 Impact of Covid-19

4 Porters Five Force Analysis

• 4.1 Bargaining power of suppliers
• 4.2 Bargaining power of buyers
• 4.3 Threat of substitutes
• 4.4 Threat of new entrants
• 4.5 Competitive rivalry

5 Global In-Vehicle Payment Systems Market, By Payment Type

• 5.1 Introduction
• 5.2 Contactless Payment
• 5.3 Mobile Payment
• 5.4 In-Car Payment Systems
• 5.5 Other Payment Types

6 Global In-Vehicle Payment Systems Market, By Vehicle Type

• 6.1 Introduction
• 6.2 Passenger Cars
• 6.3 Commercial Vehicles
• 6.4 Electric Vehicles
• 6.5 Luxury Vehicles

7 Global In-Vehicle Payment Systems Market, By Technology

• 7.1 Introduction
• 7.2 Near Field Communication (NFC)
• 7.3 Bluetooth
• 7.4 Embedded SIM (eSIM)
• 7.5 RFID (Radio Frequency Identification)
• 7.6 QR Code
• 7.7 Other Technologies

8 Global In-Vehicle Payment Systems Market, By Application

• 8.1 Introduction
• 8.2 Fuel Payments
• 8.3 Toll Payments
• 8.4 Parking Payments
• 8.5 Drive-Thru Payments
• 8.6 Car Rental Payments
• 8.7 Other Applications

9 Global In-Vehicle Payment Systems Market, By End User

• 9.1 Introduction
• 9.2 Individual Consumers
• 9.3 Fleet Operators
• 9.4 Car Rental Agencies
• 9.5 Taxi Services
• 9.6 Other End Users

10 Global In-Vehicle Payment Systems Market, By Geography

• 10.1 Introduction
• 10.2 North America
  • 10.2.1 US
  • 10.2.2 Canada
  • 10.2.3 Mexico
• 10.3 Europe
  • 10.3.1 Germany
  • 10.3.2 UK
  • 10.3.3 Italy
  • 10.3.4 France
  • 10.3.5 Spain
  • 10.3.6 Rest of Europe
• 10.4 Asia Pacific
  • 10.4.1 Japan
  • 10.4.2 China
  • 10.4.3 India
  • 10.4.4 Australia
  • 10.4.5 New Zealand
  • 10.4.6 South Korea
  • 10.4.7 Rest of Asia Pacific
• 10.5 South America
  • 10.5.1 Argentina
  • 10.5.2 Brazil
  • 10.5.3 Chile
  • 10.5.4 Rest of South America
• 10.6 Middle East & Africa
  • 10.6.1 Saudi Arabia
  • 10.6.2 UAE
  • 10.6.3 Qatar
  • 10.6.4 South Africa
  • 10.6.5 Rest of Middle East & Africa

11 Key Developments

• 11.1 Agreements, Partnerships, Collaborations and Joint Ventures
• 11.2 Acquisitions & Mergers
• 11.3 New Product Launch
• 11.4 Expansions
• 11.5 Other Key Strategies

12 Company Profiling

• 12.1 BMW Group
• 12.2 Ford Motor Company
• 12.3 General Motors
• 12.4 Honda Motor Co., Ltd.
• 12.5 Hyundai Motor Group
• 12.6 Jaguar Land Rover Automotive plc
• 12.7 Volkswagen AG
• 12.8 Mercedes-Benz
• 12.9 Toyota Motor Corporation
• 12.10 Nissan Motor Co., Ltd.
• 12.11 Apple Inc.
• 12.12 Mastercard
• 12.13 Shell plc
• 12.14 Visa
• 12.15 PayPal
• 12.16 Qualcomm Technologies, Inc.
• 12.17 NVIDIA Corporation
• 12.18 Continental AG
• 12.19 Infineon Technologies AG
• 12.20 Alpine Electronics, Inc.