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세계의 결제 혁신 동향

Global Payment Innovation Trends 2019

리서치사 yStats.com GmbH & Co. KG
발행일 2019년 07월 상품 코드 891053
페이지 정보 영문 67 Pages/Charts
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세계의 결제 혁신 동향 Global Payment Innovation Trends 2019
발행일 : 2019년 07월 페이지 정보 : 영문 67 Pages/Charts

세계 결제(Payment) 시장의 혁신 동향을 조사했으며, 바이오메트릭스(생체인식)·음성 작동식·IoT·실시간 결제 등 세계 및 주요 국가의 주요 첨단 결제 기술 이용 동향을 정리하여 전해드립니다.

제1장 매니지먼트 요약

제2장 바이오메트릭스(생체인식) 결제

  • 세계
    • 바이오메트릭스(생체인식) 결제 : 개요
    • 바이오메트릭스를 이용한 원격 & 점포내 모바일 결제액 : 실적·예측
    • 원격 모바일 바이오메트릭스 결제 건수·점유율 : 실적·예측
    • 결제를 위해 지문·기타 바이오메트릭스를 이용하고 싶어하는 응답자의 점유율
    • 온라인 보안에 생체인식을 이용하는 비지니스에 확신을 가진 고객의 점유율
    • 온라인 구매객에 의해 선호되는 보안 대책 : 캐나다·독일·영국·미국
    • 온라인 구매객의 바이오메트릭스(생체인식) 결제에 대한 인식
    • 바이오메트릭스 이용에서 인지되는 이점
    • 바이오메트릭스 이용에서 인지되는 단점
    • 지문 인식·안면 인식 기술을 이용하는 온라인 구매객의 점유율 등
  • 중국
    • 생체인식에 의한 모바일 결제를 사용하는 모바일 결제 사용자의 점유율
    • 모바일 결제 사용자가 알고 있는 생체인식 기술
  • 한국
    • 가장 선호되는 모바일 결제 서비스 인증 수단 TOP 3
  • 유럽
    • 원타임 패스코드보다 지문 인식을 선호하는 고객의 점유율
  • 독일
    • 현재의 결제 방법과 5년 후 전망
  • 프랑스
    • E-Commerce에서 선호되는 생체인식 방법
  • 미국
    • 생체인식 결제를 이용하는 성인의 점유율 등

제3장 음성 작동식 결제

  • 세계
    • 음성 작동식 결제 : 개요
    • 디지털 음성 비서 수·음성 커머스 결제액
    • 음성 커머스에 의한 판매 실적·예측 : 영국·미국
    • 향후 쇼핑에 가상 음성 비서를 이용할 예정인 인터넷 사용자의 점유율
    • 음성 비서를 소유하고 결제에 이용하는 인터넷 사용자의 점유율
    • 보안상 우려로 인해 이용을 피하는 성인의 점유율
    • 음성 작동 시스템을 이용하는 온라인 구매객의 점유율 등
  • 미국
    • 음성 결제 사용자 수·보급률의 추이·예측 등

제4장 IoT 결제

  • 세계
    • IoT 결제 : 개요
    • IoT 결제액의 실적·예측
    • IoT 결제액의 내역 : 커넥티드카·커넥티드홈 결제
    • 커넥티드카 커머스 결제 건수·결제액의 실적·예측
    • 인터넷 사용자의 IoT 결제에 대한 인식 : 호주·영국·미국

제5장 실시간 결제

  • 세계
    • 실시간 결제 : 개요
    • 주요 실시간 결제 스킴의 개요
    • 실시간 결제에 관심을 가진 가맹점의 점유율
    • 즉시결제에 대한 가맹점의 인식
  • 유럽
    • E-Commerce 지출액의 내역 추이·예측 : 결제 방법별 등

제6장 암호통화 결제

  • 세계
    • 암호통화 결제 : 개요
    • 암호통화 TOP 10
    • 비트코인 액티비티의 내역 : 카테고리별
    • 암호통화를 소유한 인터넷 사용자의 점유율 : 지역별
    • 온라인 결제에 암호통화를 이용하는 온라인 구매객의 점유율 등

게재 기업

  • Visa Inc.
  • Mastercard Inc.
  • Apple Inc
  • Alphabet Inc
  • Samsung Inc
  • Banco Bilbao Vizcaya Argentaria SA
  • Ant Financial Services
  • Alibaba Group
  • BitPay Inc
  • PayPal Inc
  • Stripe Inc
  • Amazon.com Inc
  • Facebook Inc
KSA 19.07.31

AI and IoT disrupt the global payments industry

The integration of virtual voice assistants like Alexa, Google Assistant and Siri into billions of consumer electronic devices has led to the emergence of a new form of AI-powered payments using voice command. Voice-activated payments are projected to see rapid growth between 2019 and 2023, according to a forecast included in the yStats.com report. In addition, a double-digit share of respondents to a recent survey were interested in paying via a connected car or a smart fridge, indicating that IoT payments will soon become more commonplace.

Biometric payments gaining traction, while cryptocurrency payments are yet to rise The biometrics feature of consumer smartphones, like fingerprint or iris scan, is increasingly used in mobile payments to confirm transactions made with mobile wallets like Apple Pay, Google Pay and others. As a result, biometric payments are projected to increase at a rapid double-digit growth rate over the next five years, according to a forecast cited by yStats.com. Another innovative payment method, cryptocurrency, has not yet gained much popularity as both consumers and merchants are wary of the high volatility of Bitcoin and similar virtual currencies. Nevertheless, more merchants are starting to accept this mean and a small double-digit share of connected shoppers show interest in using it.

Covered Regions

Global, Asia-Pacific, Europe, North America

Table of Contents

1. Management Summary

2. Biometric Payments

  • Global: Overview of Biometric Payments, June 2019
  • Global: Value of Remote and In-Store Mobile Payment Transactions Using Biometrics, in USD billion, 2018 & 2023f
  • Global: Number of Remote Mobile Biometric Transactions, in billions, and Their Share of Total In-Store and Remote Transactions Authenticated via Mobile Biometrics, in %, 2018 & 2023f
  • Global: Share of Respondents Who Would be Willing to Use Fingerprint or Other Biometrics to Secure Their Payment Details, in %, 2018
  • Global: Share of Consumers Who Have More Confidence in a Business That Uses Physical Biometrics for Online Security, in %, 2018
  • Global: Security Measures Preferred by Online Shoppers, in % of Online Shoppers, by Canada, Germany, the UK and the USA, April 2019
  • Global: Breakdown of Online Shoppers' Attitudes to Biometric Payments, in % of Online Shoppers, April 2019
  • Global: Perceived Benefits of Using Biometrics to Confirm Payments When Shopping Online, in % of Online Shoppers, April 2019
  • Global: Perceived Barriers to Using Biometrics to Confirm Payments When Shopping Online, in % of Online Shoppers, April 2019
  • Global: Share of Online Shoppers in Selected Countries Using Fingerprint and Facial Recognition Technology to Confirm Payments When Shopping Online, by Age Group, in %, April 2019
  • Global: Share of Adults Who Made a Biometric Payment in The Last Year, in %, by Australia, the UK and the USA, March 2018
  • Global: Share of Adults Who Believe That Biometric Payment Will Become More Commonplace in the Next 2-5 Years, in %, by Australia, the UK and the USA, March 2018
  • China: Share of Mobile Payment Users Willing to Use Biometrics for Mobile Payment Authentication, in %, 2018
  • China: Biometric Authentication Technologies Known to Mobile Payment Users, in %, 2018
  • South Korea: Top 3 Preferred Method of Authentication in Mobile Payment Services, in % of Users, 2017 & 2018
  • Europe: Share of Consumers Who Prefer Fingerprint Recognition for Authentication, Compared to One-time Passcodes, in %, June 2019
  • Germany: Payment Methods That Consumers Use Now and Expect to Be Using in Five Years' Time, 2018
  • France: Preferred Biometric Authentication Methods in E-Commerce, in % of Online Shoppers, 2019
  • USA: Share of Adults Who Have Made a Biometric Payment, in %, by Gender and Total, March 2018
  • USA: Breakdown of Perceived Effectiveness of Emerging Technologies for Mitigating Financial Crime, in % of Professionals, September 2018

3. Voice-Activated Payments

  • Global: Overview of Voice-Activated Payments, June 2019
  • Global: Number of Digital Voice Assistants, in billion, and Voice Commerce and Payments Value, in USD billion, 2023f
  • Global: Voice Commerce Sales in the UK and the USA, in USD billion, 2017 & 2022f
  • Global: Share of Internet Users Who Believe That They Will Use Virtual Voice Assistants At Least For Some Part of Their Purchasing Journey in the Next 3 Years, April 2019
  • Global: Share of Internet Users Who Own a Voice Assistant and Used It to Make a Payment, in %, by the UK and the USA, by Age Group and Gender, January 2019
  • Global: Share of Adults Who Believe That Security Concerns Would Stop Them From Making a Payment via a Voice Assistant, in %, by the UK and the USA, January 2019
  • Global: Share of Online Shoppers Who Would Feel Comfortable Using Voice-Activated Systems to Purchase Goods or Services, by Canada, Germany, the UK and the USA, in %, April 2019
  • Global: Breakdown of Online Shoppers' Attitudes to Payments Via Voice-Activated Technology, in %, April 2019
  • Global: Share of Online Shoppers Who Would Feel Comfortable Using Voice-Activated Systems to Purchase and Pay for Selected Categories of Products and Services, in %, April 2019
  • USA: Voice Payment Users, in millions, and Penetration, in % of Adults, 2017e-2022f

4. IoT Payments

  • Global: Overview of IoT Payments, June 2019
  • Global: IoT Payment Value, in USD billion, 2018e & 2023f
  • Global: Breakdown of IoT Payment Value by Connected Car and Connected Home Payments, in %, 2021f
  • Global: Number of Connected Car Commerce Transactions, in billions, and Value, in USD billion, 2023f
  • Global: Attitudes to IoT Payments Among Internet Users, in %, by Australia, the UK and the USA, January 2019

5. Real-Time Payments

  • Global: Overview of Real-Time Payments, June 2019
  • Global: Overview of Selected Real-Time Payment Schemes, 2018/2019
  • Global: Share of Merchants Interested in Accepting Real-Time Payments, in %, 2017 & 2018
  • Global: Attitudes of Merchants Towards Immediate Payments, in % of Respondents, 2017 & 2018
  • Global: Share of Banks, Billing Organizations and Merchants Who Believe That Real-Time Payments and Open Banking Will See The Importance of Cards Decline Over Time, in %, 2018
  • Europe: Breakdown of E-Commerce Spending in the EU by Payment Methods Considering PSD2 and Instant Payment Introduction, in %, 2012, 2017e, 2020f, 2022f, 2027f

6. Cryptocurrency Payments

  • Global: Overview of Cryptocurrency Payments, June 2019
  • Global: Top 10 Cryptocurrencies by Market Capitalization, in USD billion, incl. Price, in USD, July 2019
  • Global: Breakdown of Bitcoin Activity by Category, in %, 2017-2018 & January-April 2019
  • Global: Monthly Value of Bitcoin Payments Sent to Merchant, in USD million, January 2017 - May 2019
  • Global: Share of Internet Users Who Own Cryptocurrency, in %, by Region, Q2 2018
  • Global: Share of Online Shoppers Who Have Used Cryptocurrency to Pay Online, in %, 2018

Companies Mentioned

  • Visa Inc.
  • Mastercard Inc.
  • Apple Inc
  • Alphabet Inc
  • Samsung Inc
  • Banco Bilbao Vizcaya Argentaria SA
  • Ant Financial Services
  • Alibaba Group
  • BitPay Inc
  • PayPal Inc
  • Stripe Inc
  • Amazon.com Inc
  • Facebook Inc
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