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市場調查報告書

支付供應商的策略:機會與風險、競爭 2017-2021年

Strategies for Payment Providers: Opportunities, Risks & Competition 2017-2021

出版商 Juniper Research 商品編碼 519233
出版日期 內容資訊 英文
商品交期: 最快1-2個工作天內
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支付供應商的策略:機會與風險、競爭 2017-2021年 Strategies for Payment Providers: Opportunities, Risks & Competition 2017-2021
出版日期: 2017年06月27日 內容資訊: 英文
簡介

本報告提供數位支付供應商的課題與機會詳細調查,支付服務供應商 (PSP),支付網路,錢包供應商等,在整個支付產業企業可採取的策略性選項的評估,包含技術進步和法規發展的主要顛覆性要素的今後影響的評估,及主要國家、地區市場上的動態變化分析等。

第1章 數位支付的時代

  • 簡介
  • 從類比到數位:支付的發展
  • 數位支付的機會

第2章 支付卡、網路:策略評估

  • 簡介:轉換中的支付網路
  • 支付卡:市場概要
  • 非接觸支付:EMVCo方法
  • 線上支付網路:違法行為的問題
  • 對支付網路的策略建議

第3章 支付服務供應商 (PSP):策略評估

  • 簡介
  • 主要的PSP必要條件
  • 供應商分析:能力評估、市場定位
  • 對PSP的策略建議

第4章 OTT & OEM支付供應商:策略評估

  • 簡介
  • 各國概要
  • HCE的崛起:Android Pay之後
  • 法規:PSD2 等級的歐洲的支付
  • 課題的評估
  • 供應商分析
  • 對OTT/OEM支付供應商的策略建議

第5章 Telco (通訊業者) 支付供應商:策略評估

  • 簡介
  • 行動電子錢包
  • 營運商計費:計費關係的有效利用
  • 對Telco支付供應商的策略建議

第6章 附錄:Leaderboard的限制事項 & 解釋

目錄

OverviewJuniper's new research on Strategies for Payment Providers is specifically designed to provide payments 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:

  • Evaluates the strategic options open to players across the payments industry, including PSPs (Payment Service Providers), payment networks and wallet providers.
  • Assesses the future impact of key disruptive factors, including technological and regulatory developments.
  • Provides an analysis of the shifting dynamics within key national and regional markets.
  • Delivers benchmark market forecasts for the transition of spend from analogue to digital channels.

Key Features

  • Strategic guide to maximising new revenue streams and cost reduction.
  • Matrix-based assessment of primary challenges facing payment providers.
  • Heat map analysis enabling digital payment providers to prioritise their strategic decisions and maximise their revenue potential.
  • 3 Juniper Leaderboards, positioning 38 players across the payments ecosystem.
  • Scenario-based forecasts for key offline and online payment opportunities.

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

Interviewed: Bango, Gemalto, Giesecke & Devrient, Netsize, a Gemalto Company, OT (Oberthur Technologies), Vodafone.

Profiled in Juniper Leaderboards: Adyen, Airtel, Alipay, Amazon, America Movil, Apple, AT&T, Atos (Worldline), Bell Canada, Braintree, Chase Bank, China Mobile, CyberSource, Deutsche Telekom, First Data, Globe, Google, Klarna, Mastercard, MTN, Orange, PayPal, Paysafe, Paytm, Sage Pay, Samsung, Skrill, Square, Stripe, Telefonica, Telenor, VEON, Verizon, Visa, Vodafone, Weixin/WeChat, Worldpay, Yandex.

Mentioned:

24*7, 2C2P, ACI Worldwide, Alibaba, American Express, Ant Financial Group, Arbejdernes Landsbank, Archies, Arvind, Association of Local Banks, Savings Banks and Cooperative Banks, Aurelia, BanaMex, Barclays, Best Buy, Better than Cash Alliance, Bijilipay, BlackBerry, BOKIS Partnership, Boku, Braintree, Capital One, Century Payments, Chain, Citrus Pay, Claro, CMB (China Merchants Bank), Colour Bar, Digital Currency Group, Discover, eBay, EcoBank, EE, EMVCo, Envoy, EPC (European Payments Council), Ericsson, Facebook, Fifth Third Bank, Fortumo, GM (General Motors), GSMA, Gyft, Hyperledger Project, IBM, ICICI Bank, Indosat, Ingenico, Inside Secure, IPC Media, JCB, JP Morgan, Jyske Bank, KDDI (au), Key Bank, Lifestyle, Lotto, Maxx, McKinsey, MCX, MDM Bank, MobiKwik, Modest, Mothercare, NAB, Nets, Nike, NTT DOCOMO, Nykredit Bank, Oxigen, Payment Express, Payoneer, Paysafe, Paytm, Payvision, PBOC (People's Bank of China), PCI (Payment Card Industry), Pitney Bowes, Planet Payment, Pure Home, QQ, RBI (Reserve Bank of India), Reebok, Safaricom, Saxo Payments, Sberbank, Spar Nord Bank, Sports Station, Starbucks, Sunglass Hut, Sydbank, TalkTalk, Telcel, Telkomsel, Tencent, Tesco, The Body Shop, Tigo, TransferWise, UK Payments Strategy Forum, UnionPay, United Colors of Benetton, Venmo, VIVO, VocaLink, Wells Fargo, Western Union, Wirecard, World Bank, World Travel & Tourism Council, WyWallet, Xoom, Yespay, YouGov.

Table of Contents

1. The Age of Digital Payment

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

2. Payment Cards & Networks: Strategic Assessment

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

3. Payment Service Providers: Strategic Assessment

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

4. OTT & OEM Payment Providers: Strategic Assessment

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

5. Telco Payment Providers: Strategic Assessment

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

6. Appendix: Leaderboard Limitations & Interpretations

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