今後的線上付款及手機付款

一般預測全球線上付款及行動付款市場將會大幅度成長，2010年7400億美金的收益，預估到2015年將擴大到2兆7000億美元。

本報告提供該市場相關資料、趨勢與市場規模、市場區分、地理區分、推動市場要素、業界成長進化等相關調查分析，除了主要業務機會及今後課題的相關驗証之外，再彙整未來展望，為您概述為以下內容。

目錄

執行摘要

• 線上付款產業的展望
• 主要企業
• 線上付款產業的課題與問題點
• 手機付款產業的展望
• 全球針對手機付款的措施
• 今後的線上付款及手機付款

簡介

• 關於本報告書
• 對象
• 調查手法

線上付款產業的展望

• 主旨
• 簡介
• 從金額來看全球替代付款的市場規模
• 線上付款的市場區分
• 有關全球付款市場的地理位置區分
• 線上付款市場的演變
• 推動線上付款市場成長的要素
• 線上付款市場的趨勢

主要企業

• 主旨
• 簡介
• Visa
• MasterCard
• PayPal
• 美國前十大銀行卡片發行數量
• 全球十大銀行發卡數量

線上付款產業的課題與問題點

手機付款產業的展望

全球針對手機付款的措施

今後的線上付款及手機付款

Abstract

Introduction

This report provides an overview of the global online and mobile payments industry, examining the industry in terms of market size, its segments, evolution of the industry, geographic segmentation, value chain, key drivers, trends, major players, and challenges. It also examines the future of the digital payments industry in terms of convergence of devices, technologies and value chains.

Features and benefits

• Use detailed analysis of the online and mobile payments industry to identify key business opportunities.
• Access comprehensive coverage of the different segments within the online and mobile payments industry.
• Profile the leading players in the online and mobile payments arena and understand the impact of their recent initiatives.
• Identify changes to value chains and business models, and their impact on the future development of the market.

Highlights

Business Insights anticipates that the alternate payments industry comprising online, mobile and contactless segments will post a CAGR of 17.6% over the period 2010 - 15, with revenues increasing from $740bn in 2010 to $2,700bn in 2015. The largest revenue generating segment of the advanced payments industry is the online payment segment.

The various industry drivers include increasing internet penetration rates, increasing fixed and mobile broadband subscriptions, ecommerce volumes, smartphone shipments, and smartphone penetration rates.

The over-riding consumer meta-theme for the industry is going to be convergence - whether of devices, technologies, or value chains. Due to this, NFC will emerge as the de facto industry standard for conducting mobile payment transactions within the next couple of years.

Your key questions answered

• What are the key drivers and resistors that will impact the growth of the online and mobile payments industry?
• What is the market size and growth potential of each sub-segment of the industry? Which segment has the highest growth potential?
• Who are the key players in the online and mobile payments industry? What initiatives are they launching, what are their strategies for future success?
• How will consumer and technological trends shape the future of the digital payments industry?

Table of Contents

Sushma Kaza

• Disclaimer

EXECUTIVE SUMMARY

• The online payments industry landscape
• Major players in the online payments industry
• Challenges and issues in the online payments industry
• The mobile payments industry landscape
• Global mobile payments initiatives
• The future of online and mobile payments

Introduction

• What is this report about?
• Who is this report for?
• Methodology

The online payments industry landscape

• Summary
• Introduction
• Global alternate payments industry market size by value

• Segments of the online payments industry
  • Credit and debit cards
  • Internet / online banking

• Geographic segmentation of the global payments industry

• Evolution of the online payments industry
  • Two-party system
  • Three-party system
  • The online payment industry value-chain with the four-party system
  • The online payment transaction process

• Online payment industry drivers
  • Increasing internet usage and penetration rates boosting industry growth
  • Accelerating fixed broadband subscriptions driving industry growth
  • Growing e-commerce business fuelling online payments
  • Declining channel transaction costs favor alternate payments
  • Convenience, improved service quality and online shopping experience boost growth

• Trends in the online payment industry
  • Shifting consumer preferences favor debit card usage
  • Micropayments are the new frontier
  • Convergence of social networking, apps and online games present growth avenues
  • Technological innovations transforming the industry landscape
  • Rising popularity of online banking transactions
  • Old players are assuming new roles

Major players in the online payments industry

• Summary
• Introduction

• Visa
  • Recent financial performance
  • Key strategies

• MasterCard
  • Recent financial performance
  • Key strategies

• PayPal
  • How does PayPal work?
  • How does PayPal earn revenues?
  • Recent financial performance
  • Key Strategies

• Top ten US bank acquirers
• Top ten global bank issuers

Challenges and issues in the online payments industry

• Summary
• Introduction

• Fraud
  • Online revenue loss due to fraud
  • Phishing
  • Measures to combat fraud
  • Payment Card Industry Security Standards Council

• Regulation
  • Interchange fees
  • Regulation of interchange fees
  • Recent regulations and interchange fees in the US
  • Regulations in some important markets
  • Australia

The mobile payments industry landscape

• Summary
• Introduction
• Segmentation of the mobile payments industry
• Mobile payments channels
• Global mobile payments market size by segment
• Geographic segmentation of the mobile payments industry by users

• Mobile payments industry drivers
  • Increasing smartphone shipments create substantial growth opportunities
  • Exponential growth in mobile subscriptions is another key driver
  • Accelerating mobile internet penetration rates facilitate technology platforms
  • Mobile payment apps are emerging as the “killer apps” for the industry
  • Stabilizing mobile service revenues and declining ARPU' s compelling MNOs to search for alternate revenue avenues
  • Low traditional branch banking penetration rates boost demand for alternate payments

• Trends in the mobile payments industry
  • Evolving value-chain is encompassing all stakeholders
  • Innovations are renewing interest in the industry
  • Rise of the social networking sites

• Inhibitors
  • Fraud and security concerns
  • Adoption costs offer substantial barriers to entry
  • Lack of stakeholder co-ordination and absence of NFC-enabled phones
  • How does a mobile payment transaction take place?

• The mobile payments value-chain
  • Handset manufacturers
  • Chip manufacturers
  • Mobile network operator (MNO)
  • Technology enablers

• Business Models
  • Operator-centric model
  • Financial institution-centric (FI) model
  • Collaboration model

• Payment technologies
  • SMS
  • USSD
  • RFID
  • NFC
  • 2D bar code

Global mobile payments initiatives

• Summary
• Introduction

• Initiatives by geographical region
  • Asia Pacific
  • EU
  • US
  • Latin America
  • Africa

• Initiatives by major stakeholders
  • Payment networks
  • FIs
  • MNOs
  • Apps and OS-based
  • Others

The future of online and mobile payments

• Summary
• Introduction
• Convergence of devices - form factor and connectivity

• Convergence of technologies - interoperable and integrated
  • Customer
  • Merchant
  • Financial institutions

• Convergence of systems - interchangeable and seamless

TABLES

• Table: Global alternate payments market size ($bn), 2010 - 15
• Table: Payment card market share for online purchases (%), 2005 - 10
• Table: Global payments industry market share by region (%), 2010 - 15
• Table: Global internet user (m) and penetration rates (%), 2006 - 10
• Table: Regional internet penetration rates versus proportion of global internet users (%), 2010
• Table: Global fixed broadband subscribers and penetration (m), 2010-2015
• Table: Global e-commerce revenues ($bn), 2004 - 12
• Table: Shifts in US consumer transaction market share (%), 2010 - 15
• Table: Global online gaming market size ($bn), 2009 - 14
• Table: Growth in US online DDA* customers** (m), 2004 - 09
• Table: Visa snapshot
• Table: Visa financial performance ($m), 2008 - 10
• Table: MasterCard snapshot
• Table: MasterCard financial performance ($m), 2008 - 10
• Table: PayPal snapshot
• Table: PayPal financial performance ($m), 2008 - 10
• Table: PayPal' s net TPV ($bn), 2008 - 10
• Table: PayPal' s active accounts (m), 2008 - 10
• Table: North America online revenue loss due to fraud ($bn), 2000 - 10
• Table: North America percentage of revenue lost due to fraud (%),2000 - 10
• Table: Comparison between PSD and SEPA
• Table: Global mobile payments market size by segment ($bn), 2010 - 15
• Table: Mobile payments market share by region (%), 2010 - 15
• Table: Mobile handset shipments by region (m), 2009 - 14
• Table: Smartphone shipments by region (m), 2009 - 14
• Table: Global smartphone shipments and subscribers (m), 2008 - 14
• Table: Global mobile subscribers and penetration (bn,%), 2010 - 15
• Table: Mobile broadband subscribers by region (m), 2010 - 15
• Table: Global mobile apps downloads (m), 2009 - 15
• Table: Global mobile apps revenues ($m), 2009 - 15
• Table: Global mobile service revenues ($bn), 2007 - 14
• Table: Global mobile services ARPU ($), 2007 - 14
• Table: Role of stake-holders in the three mobile payments business models
• Table: Global NFC handset shipments (m), 2010 - 15
• Table: Global connected devices shipments (m), 2008 - 14

FIGURES

• Figure: Global alternate payments industry market size by segment ($bn), 2010 - 15
• Figure: Global general purpose cards purchase transactions market share (%), 2010
• Figure: Global credit cards market share (%), 2010
• Figure: Global debit card market share (%), 2010
• Figure: Payment card market share for online purchases (%), 2005 - 10
• Figure: Top 10 countries by online banking penetration (%), August 2010
• Figure: Global payments industry market share by region (%), 2010 - 15
• Figure: The evolution of the online payments industry - a timeline
• Figure: Two-party value-chain
• Figure: Three-party value-chain
• Figure: The four-party model for an online payment transaction process
• Figure: A typical eBay checkout page
• Figure: Global internet user (m) and penetration rates (%), 2006 - 10
• Figure: Regional internet penetration rates versus proportion of global internet users (%), 2010
• Figure: Global fixed broadband subscribers and penetration (m), 2010-2015
• Figure: Global e-commerce revenues ($bn), 2004 - 12
• Figure: Transaction cost by channel ($), 2010
• Figure: Shifts in US consumer transaction market share (%), 2010 - 15
• Figure: Outstanding US revolving credit ($bn), 1970 - 12
• Figure: Global online gaming market size ($bn), 2009 - 14
• Figure: Growth in US online DDA* customers** (m), 2004 - 09
• Figure: Visa financial performance ($m), 2008 - 10
• Figure: MasterCard financial performance ($m), 2008 - 10
• Figure: PayPal financial performance ($m), 2008 - 10
• Figure: PayPal' s net TPV ($bn), 2008 - 10
• Figure: PayPal' s active accounts (m), 2008 - 10
• Figure: PayPal' s increasing market share (%), 2008 - 10
• Figure: Top ten US bank acquirers in terms of transactions (bn), 2010
• Figure: Top ten global bank issuers ($bn), 2010
• Figure: North American online revenue loss due to fraud ($bn), 2000 - 10
• Figure: North America percentage of revenue lost due to fraud (%),2000 - 10
• Figure: Average organizational cost of a data breach, 2008 - 10
• Figure: The phishing or identity theft process
• Figure: Example of a phishing email
• Figure: Most targeted industry sectors (%), Q2' 10
• Figure: Most phished brands (%), March 2010
• Figure: Sharing of the interchange fee across the value-chain
• Figure: How is interchange fee calculated
• Figure: Net societal cost of different financial products, ($)
• Figure: SEPA' s member states
• Figure: Average costs of compliance and non-compliance (for sample of 46 MNC' s)
• Figure: Segments of the mobile financial transactions industry
• Figure: Mobile payments channels
• Figure: Global mobile payments market size by segment ($bn), 2010 - 15
• Figure: Mobile payments market share by region (%), 2010 - 15
• Figure: Mobile handset shipments by region (m), 2009 - 14
• Figure: Mobile handset shipment share by region (%), 2009 - 14
• Figure: Smartphone shipment share by region (%), 2009 - 14
• Figure: Global smartphone shipments and subscribers (m), 2008 - 14
• Figure: Global mobile subscribers (bn) and penetration (%), 2010 - 15
• Figure: Mobile broadband subscribers by region (m), 2010 - 15
• Figure: Global mobile apps downloads (m), 2009 - 15
• Figure: Global mobile apps revenues ($m), 2009 - 15
• Figure: Global mobile service revenues ($bn), 2007 - 14
• Figure: Global mobile services ARPU ($), 2007 - 14
• Figure: Commercial bank branches per 100,000 adults (%), 2009
• Figure: Making a mobile payment through Square
• Figure: MasterCard PayPass
• Figure: OS market share (%), 2010 - 15
• Figure: How a mobile payment transaction takes place
• Figure: The basic mobile payment value-chain
• Figure: The operator-centric mobile payment business model
• Figure: The financial institution-centric mobile payment business model
• Figure: The collaboration mobile payment business model
• Figure: Example of a SMS mobile payment transaction
• Figure: The basic USSD architecture
• Figure: Examples of NFC capabilities
• Figure: A typical train ticket buying process using NFC
• Figure: Examples of NFC-enabled device potential usage in micro-transactions
• Figure: Global NFC handset shipments (m), 2010 - 15
• Figure: Status of mobile payment initiatives, 2010
• Figure: NTT DOCOMO-FeliCa mobile wallet services in Japan
• Figure: Global connected devices shipments (m), 2008 - 14
• Figure: Convergence: The evolution of mobile devices
• Figure: NFC is the mobile payments technology of the future
• Figure: Future m-payments architecture
• Figure: The converged online and mobile payments value-chain