市場調查報告書
商品編碼
1383460
2030 年商業付款終端市場預測:按類型、最終用戶和地區分類的全球分析Commercial Payment Terminals Market Forecasts to 2030 - Global Analysis By Type (Point-of-Sale Terminals, Contactless Payment Terminals, Vending Machine Payment Terminals, Unattended Payment Terminals and Other Types), End User and by Geography |
根據 Stratistics MRC 的數據,全球商業付款終端市場在預測期內將以 12.5% 的年複合成長率成長。
商業付款終端是企業和組織用來安全、便捷地處理支付的電子設備。提供自助、檯面、行動、無線、智慧終端等多種配置,滿足不同產業的需求。此外,這些終端還提供多種付款選項,包括非接觸式、金融卡和信用卡交易。
根據2022年第二季度付款統計數據,全國付款系統運作順利。銀行帳戶數、非現金付款量、付款系統交易量等統計數據整體維持穩定成長。
鑑於最近發生的大量網路攻擊和資料洩露,企業繼續高度重視資料安全。此外,先進的安全功能、加密以及符合 PCI DSS 等嚴格業界標準也是付款終端備受追捧的功能。這些設備提供企業保護敏感客戶和資料所需的資源。
確保付款安全是一項持續的挑戰,涉及管理各種威脅,包括惡意軟體、網路釣魚攻擊和資料外洩。此外,付款終端需要強大的安全功能,例如標記化、端對端加密和安全金鑰管理。為了有效降低不斷變化的風險,公司還必須投資持續的員工培訓並建立主動的安全策略。
付款終端製造商正在部署先進的安全功能,例如生物識別、基於機器學習的詐騙偵測以及硬體安全模組 (HSM) 等安全硬體組件,以跟上不斷變化的威脅形勢。您可以投資。然而,為了確保完全的安全,公司還可以提供持續的網路安全培訓和協助。
由於不斷變化的網路安全威脅情勢,付款終端供應商面臨巨大風險。此外,威脅行為者利用不斷發展的技術(包括勒索軟體、網路釣魚攻擊和惡意軟體)瞄準付款終端,以竊取敏感的財務資訊。為了防範這些風險並遏止網路犯罪分子,提供者必須大力投資網路安全措施。
商業付款終端市場受到COVID-19大流行的嚴重影響。安全問題加速了非接觸式付款和電子商務的採用,但也導致了供應鏈中斷、企業暫時關閉以及復甦計劃和市場復甦的不確定性。此外,付款終端需要變得更具適應性和安全性,因為企業必須重新評估客戶參與和付款處理策略以適應新常態。
在商業付款終端市場中,POS終端預計將佔據最大佔有率。銷售資訊(POS) 終端是現代付款處理的支柱,安裝在許多餐廳、零售店和其他商業機構中,以實現安全有效的交易。這些終端允許企業接受各種來源的付款,包括簽帳金融卡、信用卡以及行動錢包。此外,為了維持我們在付款產業的主導地位,我們不斷開發POS終端以適應新的付款技術。
電子商務產業正以最高的年複合成長率成長。網上購物趨勢,尤其是電子商務大流行所加速的趨勢,是電子商務成長的驅動力。電子商務公司嚴重依賴安全實用的付款處理解決方案,因此先進的付款終端需求量很大。此外,數位付款方式的採用、線上零售的持續成長,以及對安全且方便用戶使用的付款終端的需求,以滿足線上買家不斷變化的需求,是該細分市場快速成長的關鍵驅動力。
美國擁有北美商業付款終端最大的市場佔有率。這項優勢歸功於非接觸感應卡、金融卡和信用卡作為電子付款方式在實體商店和線上零售環境中的廣泛使用。此外,該地區顯著的市場佔有率是由強大的金融基礎設施、嚴格的安全法規和精通技術的基本客群推動的。
在商業付款終端市場中,歐洲地區的年複合成長率最高。非接觸式和行動付款越來越普及,付款的使用在英國、德國和法國等歐洲國家付款增加。此外,由於該地區發達的金融基礎設施、有利的法規環境以及對安全有效的付款解決方案的需求,歐洲商業付款終端市場顯著成長。
According to Stratistics MRC, the Global Commercial Payment Terminals Market is growing at a CAGR of 12.5% during the forecast period. Commercial payment terminals are electronic devices that businesses and organizations use to process payments securely and conveniently. They are available in many different configurations, including self-service, countertop, mobile, wireless, and smart terminals, to satisfy the specific needs of various industries. Additionally, a variety of payment options is accepted by these terminals, such as contactless, debit, and credit card transactions.
According to payment statistics in Q2 2022, the payment systems functioned smoothly across the country. Statistics including the number of bank accounts, the volume of non-cash payments and the transaction volume in payment systems generally maintained smooth growth
Businesses continue to place a high priority on data security, especially in light of the recent wave of cyber attacks and data breaches. Additionally, advanced security features, encryption, and adherence to strict industry standards like PCI DSS are highly sought-after characteristics in payment terminals. These terminals give companies the resources they need to protect sensitive client and financial data.
Ensuring payment security is an ongoing challenge that involves managing various threats such as malware, phishing attacks, and data breaches. Moreover, strong security features, such as tokenization, end-to-end encryption, and secure key management, are required for payment terminals. To effectively mitigate evolving risks, businesses must also invest in ongoing employee training and establish proactive security policies.
Payment terminal manufacturers can make investments in advanced security features like biometric authentication, machine learning-based fraud detection, and secure hardware components like Hardware Security Modules (HSMs) in response to the constantly changing threat landscape. However, in order to guarantee complete security, they can also offer businesses continuing cybersecurity training and assistance.
The providers of payment terminals are at serious risk due to the constantly changing landscape of cybersecurity threats. Moreover, threat actors target payment terminals with ever-evolving techniques, such as ransom ware, phishing attacks, and malware, in an effort to steal confidential financial information. In order to defend against these risks and keep up with cybercriminals, providers need to make significant investments in cybersecurity measures.
The commercial payment terminal market was significantly impacted by the COVID-19 pandemic. Due to safety concerns, it hastened the adoption of contactless payments and e-commerce, but it also caused supply chain disruptions, temporary business closures, and uncertainty about resilience planning and market recovery. Additionally, payment terminals need to be more adaptable and secure as a result of businesses having to reevaluate their customer engagement strategies and payment processing strategies in order to adjust to the new normal.
In the commercial payment terminal market, point-of-sale (POS) terminals are expected to hold the largest share. Point-of-sale (POS) terminals are the mainstay of contemporary payment processing and are found in many restaurants, retail establishments, and other commercial settings to enable safe and effective transactions. These terminals allow companies to take payments from a variety of sources, such as debit and credit cards, mobile wallets, and more. Furthermore, in order to maintain their leadership position in the payment industry, POS terminals are always developing to accommodate new payment technologies.
The e-commerce segment was growing at the highest CAGR. The trend toward online shopping, which has been accelerated by the COVID-19 pandemic in particular, has been the driving force behind the growth of e-commerce. Advanced payment terminals are in high demand because e-commerce companies rely so heavily on safe and practical payment processing solutions. Moreover, the adoption of digital payment methods, the ongoing growth of online retail, and the requirement for safe, user-friendly payment terminals to satisfy the changing needs of online buyers are the main drivers of the segment's rapid growth.
In terms of market share for commercial payment terminals in North America, more specifically, the United States held the largest share. This dominance was ascribed to the widespread use of contactless, debit, and credit cards as electronic payment methods in both brick-and-mortar and online retail environments. Furthermore, the region's notable market share was facilitated by its strong financial infrastructure, strict security regulations, and a tech-savvy customer base.
In the commercial payment terminals market, the Europe region is growing at the highest CAGR. Contactless and mobile payments were becoming more and more popular, and several European nations, including the UK, Germany, and France, were seeing a rise in the use of electronic payment methods. Moreover, the European Commercial Payment Terminals Market has grown significantly as a result of the region's well-developed financial infrastructure, favourable regulatory environment, and demand for safe and effective payment solutions.
Some of the key players in Commercial Payment Terminals market include: BBPOS, Castles Technology, Cayan, Diebold Nixdorf, Equinox Payments, First Data Corporation (now Fiserv), Ingenico Group, Mobeewave, NCR Corporation, Newland Payment Technology, PAX Global Technology, Pioneer POS, Poynt, Square, Inc., SZZT Electronics Co., Ltd and Verifone Systems, Inc.
In May 2023, Diebold Nixdorf, Incorporated announced it has entered into a restructuring support agreement with certain of its key financial stakeholders to effectuate a comprehensive debt restructuring transaction that is intended to be completed efficiently and quickly. The restructuring is expected to significantly reduce debt and leverage levels and provide substantial additional liquidity to support seamless ongoing operations and establish a long-term, sustainable capital structure for the Company.
In April 2023, Cayan Group, a leading real estate investment and development company in the Middle East, has signed a development agreement with NEOM, a gigaproject spanning 26,500 square kilometers in northwest Saudi Arabia. Under the agreement, Cayan Group will fully fund and develop a Hampton By Hilton hotel situated at the NEOM Community site to meet the rapidly rising accommodation demand from the construction sector- a critical component to further progress earthworks at the site. Construction, led by BEC Arabia, has already started on the hotel, and it is expected to open by the end of 2023.
In December 2022, Fiserv, Inc., a leading global provider of payments and financial services technology solutions, today announced that it has entered into a new employment agreement with Frank Bisignano to serve as President and Chief Executive Officer through December 2027. Bisignano will also continue to serve as Chairman of the Board.