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市場調查報告書
商品編碼
1016640

虛擬卡：B2B / B2C 應用、企業分析、市場預測（2021-2026）

Virtual Cards: B2B and B2C Applications, Competitive Analysis & Market Forecasts 2021-2026
出版日期: | 出版商: Juniper Research Ltd | 英文 | 商品交期: 最快1-2個工作天內

價格
  • 全貌
  • 簡介
  • 目錄
簡介

本報告分析了全球虛擬卡市場的最新趨勢和未來前景，分析了系統的輪廓、行業的基本結構、技術和監管問題以及未來的增長機會，特別是有潛力的地區，並彙總了諸如作為利用區域，主要公司的概況和戰略發展狀況，市場規模（交易數量/交易金額）趨勢展望（到2026年），區域趨勢（共8個地區/25個國家），以及細分市場的詳細趨勢。

需要分析的公司

  • 案例研究： DPO Group
  • Juniper Research Leaderboard的對象企業：Abine、AirPlus、Apple、Barclaycard、Capital One、Conferma Pay、Flutterwave、iCard、JPMorgan Chase、Lithic、Marqeta、Mineraltree、Oxigen Wallet、Rakuten Card、Revolut、SBI、Wex
  • 本文中提及的企業：406 Ventures、Afterpay、Alipay、Amadeus、Aozora Card Company、Apple、Ariett、Atlas Venture、Avenir Growth Capital、Avira、Bank of America、BankChain、BARCC（Boston Area Rape Crisis Center）、Benaissance、benefitexpress、Bessemer Venture Partners、BitPay、Blockchain.com、BlueTarp Financial、Brave、CashFlows、Central Bank of Brazil、Check Point、CJA（California Judges Association）、Cleaning Lab、Coatue、Commerce Ventures、Cornerstone International Systems、DiscoveryBenefits、DoorDash、DoubleVerify、EFS（ Electronic Funds Source）、Eight Roads Ventures、EMVCo（Europay、Mastercard＆Visa Consortium）、eNett、FC Barcelona、First Data、Folip Photonics、General Catalyst、Goldman Sachs、GoPay、Great Hill Partners、Green Visor Capital、Greycroft、Headline、 Hong Kong SAR、IA Capital Group、Index Ventures、Inspyrus、Instacart、IQEA、Jewel Commerce、Kipps de Santo＆Co、Lufthansa、Mastercard、McDonalds、Mercy Corps、MoneyLion、Network International、NNEDV（National Network to End Indoor Violence）、Noventis、Optal、PayPal、Prodege、RBL Bank、Regal Software、Reserve Bank of India、Ripple、Samsung、SAP UK Limited、Square、Stag Industrial、Teamworthy Ventures、TTiger Global Management、UnionPay、United Income、United Villages Network、Upland Software、Visa、Warburg Pincus、WeChat、Worldpay、Y Combinator、YAPEAL

目錄

第 1 章分析概述和戰略建議

第 2 章虛擬卡市場和應用

  • 簡介
  • 虛擬卡的工作原理
    • 虛擬卡和令牌化
    • 安全
    • 無縫支付方式
    • 費用管理
  • 特定業務部門的虛擬卡
    • 應付賬款和費用
      • 機會
      • 挑戰
    • 零售銀行業務
    • 旅行社/代理
    • 醫療採購
    • 媒體購買/廣告服務
  • B2C（公司和消費者之間）
  • 虛擬卡的使用和貨幣化
    • 財務管理用途
    • 貨幣換算
    • 虛擬卡返利

第 3 章虛擬卡的限制和未來展望

  • 虛擬卡限制
  • 虛擬卡監管
    • 卡網絡標準
      • PCI DSS
      • 交換手續費
    • 歐盟法規
    • 巴西法規
    • 中國法規
    • 印度法規
  • 實際問題
    • 發卡流程
      • 從一系列選項中選擇所需的功能
      • 消除選擇
    • 合規性
  • 特定於 B2B 的故障
    • 國內B2B支付
      • 結算成本
    • 國際 B2B 支付
    • 實時支付方案
    • 交易量大的貿易走廊
      • 美國-加拿大
      • 美國-墨西哥
      • 美中
      • 在歐盟-英國範圍內
      • 中非
        • 案例研究：DPO Group

第 4 章供應商分析和排行榜

  • 簡介
    • 供應商評估標準
    • 排行榜分組
    • 限制和解釋
  • 虛擬卡供應商簡介
    • Abine
      • 公司簡介
      • 業務發展區
      • 與主要客戶的戰略合作夥伴關係
      • 產品/服務概覽
      • 瞻博網絡研究觀點：主要優勢和戰略發展機遇
    • AirPlus International
    • Apple
    • Barclaycard
    • Capital One
    • Conferma Pay
    • Flutterwave
    • iCard
    • JP Morgan Chase
    • Lithic
    • Marqeta
    • Mineraltree
    • Oxigen Wallet
    • Rakuten Card
    • Revolut
    • SBI
    • Wex

第 5 章虛擬卡市場預測

  • 分析方法和假設
  • 世界虛擬卡預測
    • 虛擬卡交易次數
    • 虛擬卡交易金額
  • B2C 虛擬卡預測
    • B2C 虛擬卡交易總數
    • B2C 虛擬卡總交易金額
    • 移動錢包類型虛擬卡的交易次數
    • 手機錢包式虛擬卡交易金額
    • 遠程虛擬卡交易次數
    • 遠程虛擬卡交易金額
  • B2B 虛擬卡預測
    • B2B 虛擬卡交易次數
    • B2B 虛擬卡交易金額

要分析的國家

  • 阿根廷
  • 澳大利亞
  • 巴西
  • 加拿大
  • 中國
  • 哥倫比亞
  • 丹麥
  • 法國
  • 德國
  • 印度
  • 意大利
  • 日本
  • 墨西哥
  • 荷蘭
  • 挪威
  • 波蘭
  • 葡萄牙
  • 沙特阿拉伯
  • 新加坡
  • 南非
  • 韓國
  • 西班牙
  • 瑞典
  • 英國
  • 美國
目錄

Juniper Research's latest “Virtual Cards ” research provides an up-to-date and comprehensive assessment of the prospects and challenges ahead for this innovative technology; analysing how the market will grow across both B2B and B2C use cases.

The research provides a detailed assessment of how new virtual cards will popularise across different verticals, and how business models in the space need to evolve. The drivers and constraints affecting the market are discussed, with detailed strategic recommendations on how to maximise the opportunities within virtual cards for vendors. The research includes a 17-vendor Juniper Research Leaderboard, with extensive profiles for each vendor, as well as including forecasts for virtual card transaction volume, value and revenue through to 2026.

The research covers important market segments, including:

  • B2B Virtual Cards
  • Consumer POS Virtual Cards
  • Consumer Remote Payment Virtual Cards

This research suite includes:

  • Strategy & Forecasts (PDF)
  • 5-year Deep Dive Data & Forecasting (PDF & Excel)
  • 12 months' access to harvest online data platform

KEY FEATURES

  • Virtual Cards Sector Dynamics: Analysis of key trends and challenges within the virtual cards space, including the following elements:
    • The potential for B2B payments and what role automation has to play
    • How regulation will shape the use of virtual cards
    • How virtual cards will evolve in the consumer market, and what capabilities they need to grow
  • Virtual Cards Segment & Business Model Analysis: Specific analysis of how virtual cards will be used by specific areas for businesses, including accounts payable/receivable, banking, travel agencies, healthcare and others, as well as an assessment of the current state of monetisation in virtual cards.
  • Juniper Research Leaderboard for Virtual Cards: 17 leading virtual card vendors compared, scored and positioned on the Juniper Research Leaderboard; allied with bespoke profiles and strategic recommendations:
    • Abine
    • Airplus
    • Apple
    • Barclaycard
    • Capital One
    • Conferma
    • Fullterwave
    • iCard
    • JP Morgan Chase
    • Lithic
    • Marqeta
    • Mineraltree
    • Oxigen Wallet
    • Rakuten Card
    • Revolut
    • SBI
    • Wex
  • Benchmark Industry Forecasts: Forecasts include size of the virtual cards market up to 2026, including transaction volume, value and revenue for virtual cards, split by the B2B, B2C POS, B2C Remote segments, as well as by our 8 key regions and the 25 countries listed below:
    • Argentina
    • Australia
    • Brazil
    • Canada
    • China
    • Colombia
    • Denmark
    • France
    • Germany
    • India
    • Italy
    • Japan
    • Mexico
    • Netherlands
    • Norway
    • Poland
    • Portugal
    • Saudi Arabia
    • Singapore
    • South Africa
    • South Korea
    • Spain
    • Sweden
    • UK
    • US

KEY QUESTIONS

  • 1. How will virtual cards optimise the B2B sales industry?
  • 2. How do virtual card vendors manage increasing regulation?
  • 3. Which regions and trade corridors represent the most value for virtual cards?
  • 4. To what extent do virtual cards solve the problems they are designed to fix?
  • 5. How will B2B and B2C transactions change over the next 5 years?

COMPANIES REFERENCED

  • Case Studied: DPO Group.
  • Included in Juniper Research Leaderboard: Abine, AirPlus, Apple, Barclaycard, Capital One, Conferma Pay, Flutterwave, iCard, JPMorgan Chase, Lithic, Marqeta, Mineraltree, Oxigen Wallet, Rakuten Card, Revolut, SBI, Wex.
  • Mentioned: 406 Ventures, Afterpay, Alipay, Amadeus, Aozora Card Company, Apple, Ariett, Atlas Venture, Avenir Growth Capital, Avira, Bank of America, BankChain, BARCC (Boston Area Rape Crisis Center), Benaissance, benefitexpress, Bessemer Venture Partners, BitPay, Blockchain.com, BlueTarp Financial, Brave, CashFlows, Central Bank of Brazil, Check Point, CJA (California Judges Association), Cleaning Lab, Coatue, Commerce Ventures, Cornerstone International Systems, Discovery Benefits, DoorDash, DoubleVerify, EFS (Electronic Funds Source), Eight Roads Ventures, EMVCo (Europay, Mastercard & Visa Consortium), eNett, FC Barcelona, First Data, Folip Photonics, General Catalyst, Goldman Sachs, GoPay, Great Hill Partners, Green Visor Capital, Greycroft, Headline, Hong Kong SAR, IA Capital Group, Index Ventures, Inspyrus, Instacart, IQEA, Jewel Commerce, Kipps de Santo & Co, Lufthansa, Mastercard, McDonalds, Mercy Corps, MoneyLion, Network International, NNEDV (National Network to End Domestic Violence), Noventis, Optal, PayPal, Prodege, RBL Bank, Regal Software, Reserve Bank of India, Ripple, Samsung, SAP UK Limited, Square, Stag Industrial, Teamworthy Ventures, Tiger Global Management, UnionPay, United Income, United Villages Network, Upland Software, Visa, Warburg Pincus, WeChat, Worldpay, Y Combinator, YAPEAL.

DATA & INTERACTIVE FORECAST

Juniper Research's “ Virtual Cards ” forecast suite includes:

  • Forecasts splits for 8 key regions, as well as 25 country-level data splits for:
    • Argentina
    • Australia
    • Brazil
    • Canada
    • China
    • Colombia
    • Denmark
    • France
    • Germany
    • Italy
    • India
    • Japan
    • Mexico
    • Netherlands
    • Norway
    • Poland
    • Portugal
    • Saudi Arabia
    • Singapore
    • Spain
    • South Africa
    • South Korea
    • Sweden
    • UK
    • US
  • Forecasts for number of virtual card users, transaction volume and value, broken down by:
    • B2B Virtual Cards
    • B2C Virtual Cards
    • B2C POS Virtual Cards
    • B2C Remote Virtual Cards
  • Forecasts for transaction volume, value and revenue from virtual cards, in the B2B and B2C sectors.
  • Interactive Scenario tool allowing user the ability to manipulate Juniper Research's data for 10 different metrics.
  • Access to the full set of forecast data of 88 tables and over 23,000 datapoints.

Juniper Research's highly granular interactive Excels enable clients to manipulate Juniper Research's forecast data and charts to test their own assumptions using the Interactive Scenario Tool, and compare select markets side by side in customised charts and tables. IFxls greatly increase clients' ability to both understand a particular market and to integrate their own views into the model.

Table of Contents

1. Key Takeaways and Strategic Recommendations

  • 1.1 Key Takeaways
  • 1.2 Strategic Recommendations

2. Virtual Cards Market and Applications

  • 2.1 Introduction
  • 2.2 How Virtual Cards Work
    • 2.2.1 Virtual Cards & Tokenisation
      • Figure 2.2: Tokenisation Procedure
    • 2.2.2 Security
    • 2.2.3 Seamless Payment Method
      • Figure 2.3: Average Number of Domestic Transactions per Company per annum, Split by 8 Key Regions, 2020
      • Figure 2.4 Virtual Card Actions vs Traditional Reimbursement
    • 2.2.4 Expense Management
  • 2.3 Virtual Cards for Specific Business Sectors
    • 2.3.1 Accounts Payable & Expenses
      • i. Opportunities
      • ii. Challenges
    • 2.3.2 Retail Banking
      • i. Opportunities
      • ii. Challenges
    • 2.3.3 Travel Services/Agencies
      • i. Opportunities
      • ii. Challenges
    • 2.3.4 Healthcare Procurement
      • i. Opportunities
      • ii. Challenges
    • 2.3.5 Media Buying & Advertising Services
      • i. Opportunities
      • ii. Challenges
  • 2.4 Business to Consumer Applications
  • 2.5 Virtual Cards Applications and Monetisation
    • 2.5.1 Financial Management Applications
    • 2.5.2 Currency Conversion
    • 2.5.3 Virtual Card Rebates

3. Virtual Card Constraints & Future Outlooks

  • 3.1 Constraints of Virtual Cards
  • 3.2 Virtual Card Regulation
    • 3.2.1 Card Network Standards
      • i. PCI DSS
      • ii. Interchange Rates
        • Table 3.2: B2B Payment Methods Interchange Rates
    • 3.2.2 EU Regulation
      • i. PSD2
    • 3.2.3 Brazilian Regulation
    • 3.2.4 Chinese Regulation
      • i. Payment Licence Practices
      • ii. Payment Networks
    • 3.2.5 Indian Regulation
      • i. RBI Transaction Security Circular, January 2020
      • ii. RBI International Card Payment Regulation, October 2020
  • 3.3 Practical Use Challenges
    • 3.3.1 Card Issuing Process
      • i. Select Desired Features from a Series:
      • ii. Remove Choice:
    • 3.3.2 Regulatory Adherence
  • 3.4 Inherent B2B Obstacles
    • 3.4.1 Domestic B2B Payments
      • i. Cost of Making Payments
    • 3.4.2 International B2B Payments
      • Figure 3.4.2: Traditional Cross-border Settlement Process
    • 3.4.3 Real-time Payment Schemes
    • 3.4.4 High-value Trade Corridors
      • i. US - Canada
      • ii. US - Mexico
      • iii. US - China
      • iv. Intra-EU and UK
      • v. China - Africa
        • Case Study: DPO Group

4. Vendor Analysis & Leaderboard

  • 4.1 Introduction
    • 4.1.1 Vendor Assessment Criteria
      • Table 4.1: Virtual Card Vendor Capability Assessment Factors
      • Figure 4.2: Virtual Cards Vendor Leaderboard
      • Figure 4.4.1: Virtual Cards Leaderboard Scoring
    • 4.1.2 Leaderboard Groupings
      • i. Established Leaders
      • ii. Leading Challengers
      • iii. Disruptors & Emulators
    • 4.1.3 Limitations & Interpretation
  • 4.2 Virtual Cards Vendor Profiles
    • 4.2.1 Abine
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v.Juniper Research's View: Key Strengths & Strategic DevelopmentOpportunities
    • 4.2.2 AirPlus International
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v.Juniper Research's View: Key Strengths & Strategic DevelopmentOpportunities
    • 4.2.3 Apple
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.2.4 Barclaycard
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.2.5 Capital One
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.2.6 Conferma Pay
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.2.7 Flutterwave
      • i. Corporate
        • Table 4.4: Flutterwave Funding Rounds ($m)
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.2.8 iCard
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.2.9 JP Morgan Chase
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.2.10. Lithic
      • i. Corporate
        • Table 4.5: Lithic Funding Rounds ($m)
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.2.11 Marqeta
      • i. Corporate
        • Table 4.6: Marqeta Funding Rounds ($m)
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.2.12 Mineraltree
      • i. Corporate
        • Table 4.7: Mineraltree Funding Rounds ($m)
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.2.13 Oxigen Wallet
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.2.14 Rakuten Card
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.2.15 Revolut
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.2.16 SBI
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 4.2.17 Wex
      • i. Corporate
        • Table 4.8: Wex Revenue ($m)
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities

5. Virtual Cards Forecasts

  • 5.1 Methodology & Assumptions
    • Figure 5.5.1: Consumer Virtual Cards Forecast Methodology
  • 5.2 Global Virtual Cards Forecasts
    • 5.2.1 Number of Virtual Card Transactions
      • Figure & Table 5.3: Number of Virtual Card Transactions per annum (m), Split Region, 2021-2026
    • 5.2.2 Virtual Card Transaction Value
      • Figure 5.3: Value of Virtual Card Transactions per annum ($bn), Split by Region, 2021-2026
  • 5.3 B2C Virtual Card Forecasts
    • 5.3.1 Total Number of B2C Virtual Card Transactions
      • Figure & Table 5.5: Number of B2C Virtual Card Transactions per annum (m), Split by Region, 2021-2026
    • 5.3.2 Total Value of B2C Virtual Card Transactions
      • Figure & Table 5.6: Value of B2C Virtual Card Transactions per annum ($m), by Region, 2021-2026
    • 5.3.3 Number of Mobile Wallet Virtual Card Transactions
      • Figure & Table 5.7: Number of Mobile Wallet Virtual Card Transactions per annum (m), Split by Region, 2021-2026
    • 5.3.4 Value of Mobile Wallet Virtual Card Transactions
      • Figure & Table 5.8: Value of Mobile Wallet Virtual Card Transactions per annum ($m), Split by Region, 2021-2026
    • 5.3.5 Number of Remote Virtual Card Transactions
      • Figure & Table 5.9: Number of Remote Virtual Card Transactions per annum Split by Region, 2021-2026
    • 5.3.6 Value of Remote Virtual Card Transactions
      • Figure & Table 5.10: Value of Remote Virtual Card Transactions per annum ($m), Split by Region, 2021-2026
  • 5.4 B2B Virtual Card Forecasts
    • 5.4.1 Number of B2B Virtual Card Transactions
      • Figure & Table 5.11: Number of B2B Virtual Card Transactions per annum (m), Split by Region, 2021-2026
    • 5.4.2 Value of B2B Virtual Card Transactions
      • Figure & Table 5.12: Value of B2B Virtual Card Transactions per annum ($b), Split by Region, 2021-2026