Summary

このレポートはモバイルとオンラインの遠隔決済市場を調査し、市場動向や企業の競合状況、サービスの利用量や利用額などを掲載しています。

5年市場予測

• 地域別・国別市場予測
• サービスのユーザ導入予測
• フィジカル商品のリモート決済市場予測
• デジタル商品のリモート決済市場予測

Report Details

Juniper Research’s latest Mobile & Online Remote Payments research provides a critical view of the remote payments and eCommerce market; discussing the latest trends and assessing pain points in the remote payments landscape. Additionally, we provide an in-depth analysis of how traditional ‘bricks-and-mortar’ retailers are boosting their online and offline solutions through omnichannel approaches.

The research also provides detailed industry benchmark forecasts for mobile and online goods purchases; incorporating the entire device base with goods purchased on different devices such as smartphones, desktop PCs and other connected devices.

This research suite includes:

• Deep Dive Strategy & Competition (PDF)
• Deep Dive Data & Forecasting (PDF & Excel)
• Executive Summary & Core Findings (PDF)

Key Features

• Market Dynamics: Detailed analysis of the key trends shaping the remote payments ecosystem, including:
  • The emergence of disruptors such as Blockchain, IoT and AI
  • The rise of online fraud
  • Alternative payment options
  • Consolidation in the payment processor space
• Pain Point Analysis: In-depth assessment of pain points for merchants and consumers; discussing key areas such as regulatory compliance, fraud and security, ease of use and the changing nature of retail.
• Retailer Positioning Index: Assessing the online/integrated strategies of, and opportunities for, 25 leading retailers across North America, Europe and Asia with an historic focus on brick-and-mortar storefronts.
• Interviews with leading players across the digital payments ecosystem, including:
  • BioCatch
  • Credorax
  • FIS
  • Fiserv
  • Gemalto
  • Paysafe
  • RAS
  • Stripe
• Vendor Profiles & Leaderboard: Key player capability and capacity assessment, together with Leaderboard vendor positioning for 16 payment processing providers, including:
  • 2Checkout
  • Adyen
  • Amazon Pay
  • CyberSource
  • Dwolla
  • FIS
  • Fiserv
  • Payline Data
  • PayPal
  • PaySafe
  • Sage Pay
  • Shopify
  • Square
  • Stripe
  • Trustly
  • WePay
• Benchmark Industry Forecasts: Includes forecasts for mobile and online digital and physical goods sales split by country, region and device, along with forecast revenues for payment gateways and sales via OEM Pay.

Key Questions

1. What dynamics are disrupting the remote and online payments market?
2. What are the main pain points in the remote and online payments market? How can merchants address these?
3. Which traditional ‘bricks-and-mortar’ retailers are the most innovative in the online space?
4. From what devices are physical and digital goods being purchased in 2019, and how will this evolve in the next five years?
5. How much will the remote payments for digital and physical goods market be worth by the end of the year and how much will it be worth by 2024?

Companies Referenced

Interviewed: BioCatch, Credorax, First Data, FIS, Fiserv, Gemalto, a Thales Company, PaySafe, PM Connect, RSA, Stripe.
 
Profiled: 2Checkout, Adyen, Amazon Pay, CyberSource (Visa), Dwolla, FIS, Fiserv, Payline Data, PayPal, PaySafe, Sage Pay, Shopify, Square, Stripe, Trustly, WePay.
 
Case Studied: Credorax, IOTA Foundation.
 
Included in Retailer Positioning Index: Aeon, Albertsons Companies, Alhold Delhaize, Best Buy, Carrefour, Groupe Casino, Ikea, Inditex, John Lewis Partnership, Kroger, Loblaw, Lowe’s, LVMH, Marks & Spencer, Metro AG, Morrisons, Sainsbury’s, Sun Art Retail, Target, Tesco, The Home Depot, Walgreens Boots, Walmart, Westfarmers, Woolworths Ltd.
 
Mentioned: ABBYY, Absolute Software, ACI Worldwide, Agoda, Airbnb, Alibaba, Allegacy Federal Credit Union, Alpha Fintech, Amadeus, Amazon, American Express, American Tourister, Americart, Apax Partners Worldwide, Apple, Argos, Art.com, Auchan, Authorize.Net, Avangate, Avast, Axiata Group Berhad, Bakkt, Bank Liberty, Barclaycard, Bare Necessities, Bento for Business, BigCommerce, Bill & Pay, Bitdefender, BluePay, Boltmade, Booking.com, Borden, Braintree, CardConnect, CardinalCommerce, Caviar, Cegid, Cellulant, Central Bank, Century Payments, CheckFree, China Mobile, China Telecom, China Central Bank, Classy, ClearCommerce, Clover Network, Collector, Commerce Application, Conforama, Constant Contact, CrossView, Dailymotion, Deezer, Deliveroo, Delta Card Services, DocuSign, DoorDash, Dutch National Bank, eBay, eBlox, Ecwid, Eloquent Labs, EMVCo, Energy Web Foundation, Entrees On-Trays, Envoy, Ernst & Young, Ethoca, Etisalat, Etsy, Eventzilla, Evernote, Expedia, Facebook, FCA (Financial Conduct Authority), Federal Reserve Bank of San Francisco, FleetCor, Flexa, foxycart, Francisco Partners, Future Shop, Giesecke+Devrient, Github, GoDaddy Online Store, GoFundMe, Goldman Sachs, Google, Grab, Grand Junction, GSMA, GuestPoint, Handshake, HCL, HealthCare First Credit Union, Horizon Investments, HP, Humble Bundle, Hyperledger, Hyperwallet, IBM, iDeal, Idemia, Income Access, Indiegogo, Infusionsoft, Ingenico, Interac Debit on Mobile, Intuit, iPayment, iZettle, JD.com, Jet Cooper, Jet.com, JP Morgan Chase, Kaspersky Lab, KDDI, Kentico, KFC, Kickstarter, Klarna, KLM, Lightning Network, Lush, Lyft, Magento, Mango, Mastercard, Merchants’ Choice Payment Solutions, Microsoft, ModCloth, Moosejaw, Morpho, Motionwerk GmbH, myFICO, NBT Bank, Netcetera, NETELLER, Netflix, Netpay, NetSuite, New York Community Bank, O’Neill, Oberthur, Ocado, Official Payments, Ooredoo, OpenCart, OpenTable, Oracle, Orange, oscommerce, Overstock, Paydiant, Paystack, PayWithMyBank, Payworks, Pineapple Payments, Plaid, Popmoney, Portland Local 8 Federal Credit Union, Postmates, PrestaShop, Qoins, Rackspace, Raketech, Rakuten, RBS (Royal Bank of Scotland), Retail Pro, RH (Restoration Hardware), RT-Mart, Salesforce, Santander, SAP, SapientNitro, Schneider Electric, ScoreCard, Select Start Studios, Sephora SEA Digital, Shoebuy, ShoppingGives, ShopWare, ShopWired, Sift Science, Simility, Singapore Airlines, Skrill, Slock.it, Snapchat, Social Capital Hedosophia Holdings, Software AG, Spire Payments, Spotify, Squarespace, Staley Credit Union, Starbucks, Subway, SunGard, Swift Financial, Tata Teleservices, Telefónica, Telenor, Telstra, Tencent, The Guardian, The North Face, The Raiden Network, The Stars Group, Tiffany & Co, Tiny Hearts, TIO Networks, Touchtech Payments, Treatwell, UATP, Uber, Unicef, UnionPay, VALID, Vantiv, Vend, Venmo, Verifone, Versace, VimpelCom, Visa, Volkswagen, Volusion, W3C Consortium, Waitrose, WeChat, Wix, Woo Commerce, WordPress, Worldpay, WP EasyCart, X-Cart, Xero, Xoom, Yahoo, Yespay, YouCaring, YouTube, Zelle, Zen Cart.

Juniper Research’s Remote Payments for Digital & Physical Goods forecast suite includes:
 

Data & Interactive Forecast

• 5-year benchmark forecasts for key metrics by 8 key regions and 9 country level splits including:
  • Canada
  • China
  • Germany
  • Norway
  • Portugal
  • Spain
  • Sweden
  • Japan
  • South Korea
  • UK
  • US
• Service User Adoption:
  • Unique Remote Physical Goods Purchasers
  • Unique Remote Digital Goods Purchasers
  • Proportion of Adult (Aged 15+) Population Purchasing Remote Physical & Digital Goods
• Remote Physical Goods Market:
  • Total Transaction Volume
  • Average Transaction Value
  • Total Transaction Value
  • Apple Pay/Android Pay Transaction Volume
  • Apple Pay/Android Pay Transaction Value
  • Splits According to Mobile Devices and PCs/Laptops
  • Payment Gateway Revenues
• Remote Digital Goods:
  • Total Transaction Volume
  • Average Transaction Value
  • Total Transaction Value
  • Apple Pay/Android Pay Transaction Volume
  • Apple Pay/Android Pay Transaction Value
  • Splits According to Mobile Devices, PCs/Laptops & Other Connected Devices
• Access to the full set of forecast data of 84 tables and over 11,000 datapoints.
• Interactive Excel Scenario tool allowing the user the ability to manipulate Juniper Research’s data for 12 different metrics.

Juniper Research’s highly granular IFxls (Interactive Forecast Excels) enable clients to manipulate Juniper Research’s forecast data and charts to test their own assumptions by using the Interactive Scenario Tool and compare select markets and sectors 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.

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Table of Contents

Table of Contents

Deep Dive Strategy & Competition

1. eRetail: Market Status & Key Trends

1.1 Introduction . 6
Figure 1.1: Digital Goods & Physical Goods Purchased Online, Total Unique
Users as a Proportion of Adult Population (%) 2019-2024 . 6
1.2 The Current State of eCommerce . 7
1.2.1 Physical Goods . 7
1.2.2 Digital Goods. 11
1.2.3 Diverse Payment Methods . 12
1.3 Key Trends in the Payment Space . 14
1.3.1 The Omnichannel Experience. 14
1.3.2 Payment Request API . 16
1.3.3 Potential Disruptors in the Remote Payments Market . 17
Case Study: IOTA. 22
Figure 1.15: Transactions on Blockchain versus on IOTA’s Tangle . 22
1.3.4 Consolidation Strategies. 26

2. Pain Points in Remote & Online Payments

2.1 Introduction . 29
Figure 2.1: Consumer Retail Online Journey . 29
2.2 Reducing Pain Points in Remote & Online Payments . 30
Table 2.2: Remote Payments Pain Points & Recommendations . 30
2.2.1 Regulation Compliance . 31
i. PSD2, SCA & 3DS2 . 31
Figure 2.3: Multi-factor Identification Process . 31
Case Study: Smart 3D Secure . 33
ii. Impact of PSD2, SCA & 3DS2 . 33
iii. Recommendations . 34
2.2.2 Fraud & Security . 35
i. Fraud is Increasing . 35
Figure 2.4: Total Remote Physical & Digital Goods Payment CNP Fraud
Transaction Value ($m), 2019 & 2024 . 35
ii. Security Is Now Everything . 36
Table 2.5: Types of Biometrics Comparison . 37
Figure 2.6: Examples of Biometrics Use Worldwide . 38
iii. Recommendations . 39
2.2.3 Ease of Use . 41
Figure 2.7: Limitations of Digital & Electronic Payments . 41
i. Recommendations . 41
2.2.4 The Cost of Retail . 42
i. Advantages of Electronic & Digital Payments . 42
Figure 2.8: Advantages of Electronic & Digital Payments . 42
ii. Costs Associated to Electronic & Digital Payments . 42
Table 2.9: Payment Processors’ Fees & Solutions . 43
iii. Recommendations . 43
2.3 ‘The Juniper Research 25’: Retailer Positioning Index . 44
Table 2.5: Retailer Matrix Assessment Criteria . 44
Figure 2.6: Juniper Research Retailer Positioning Index . 45
2.3.1 Conclusions . 46
Figure 2.10: The ‘Juniper Research 25’ Data Snapshot, 2018 . 46
i. The Leaders . 46
ii. The Case of Walmart . 46
Figure 2.11: Traditional Retailers, Leaders in eCommerce, 2018 Online Sales . 47
iii. Grocery-focused Retailers . 47
iv. Notable Examples of Innovation . 47
v. Notable Examples of Agility . 48
vi. The Acquisition Strategy . 49

3. Payment Gateway Competitive Landscape

3.1 Introduction . 51
3.2 Vendor Analysis . 51
3.2.1 Vendor Assessment Criteria . 51
Table 3.1: Stakeholder Assessment Criteria . 52
3.3 Juniper Research Leaderboard Scoring Results . 53
Table 3.2: Juniper Research Leaderboard: Mobile & Online Remote Goods
Payments Stakeholder Scoring . 53
Figure 3.3: Juniper Research Leaderboard: Mobile & Online Remote Payments
Stakeholder Scoring . 54
3.3.1 Limitations & Interpretation . 55
3.3.2 Stakeholder Groupings . 55
i. Established Leaders . 55
ii. Leading Challengers . 56
iii. Disruptors & Emulators . 58
3.4 Mobile & Online Remote Payments Market Movers & Shakers . 59
3.5 Company Profiles . 61
3.5.1 2Checkout . 61
i. Corporate Profile . 61
ii. Geographic Spread . 61
iii. Key Clients & Strategic Partnerships . 61
iv. High Level View of Offerings . 61
v. Juniper Research’s View: 2Checkout Key Strengths & Strategic Development
Opportunities . 62
3.5.2 Adyen . 62
i. Corporate . 62
ii. Geographic Spread . 62
iii. Key Clients & Strategic Partnerships . 62
iv. High Level View of Offerings . 63
v. Juniper Research’s View: Adyen Key Strengths & Strategic Development
Opportunities . 64
3.5.3 Amazon Pay . 65
i. Corporate Profile . 65
Table 3.4: Amazon Financial Snapshot ($bn) 2014-2018 . 65
ii. Geographic Spread . 65
iii. Key Clients & Strategic Partnerships . 65
iv. High Level View of Offerings . 65
v. Juniper Research’s View: Amazon Pay Strengths & Strategic Development
Opportunities . 66
3.5.4 CyberSource (Visa) . 66
i. Corporate Profile . 66
Table 3.5: Visa Financial Snapshot ($bn) 2015-2018 . 66
ii. Geographic Spread . 67
iii. Key Clients & Strategic Partnerships . 67
iv. High Level View of Offerings . 67
v. Juniper Research’s View: CyberSource Key Strengths & Strategic
Development Opportunities . 68
3.5.5 Dwolla . 68
i. Corporate . 68
ii. Geographic Spread . 68
iii. Key Clients & Strategic Partnerships . 68
iv. High Level View of Offerings . 69
v. Juniper Research’s View: Dwolla Key Strengths & Strategic Development
Opportunities . 69
3.5.6 FIS . 69
i. Corporate . 69
Table 3.6: FIS Financial Performance Snapshot, 2016-2018 . 70
ii. Geographic Spread . 70
iii. Key Clients & Strategic Partnerships . 70
iv. High Level View of Offerings . 70
v. Juniper Research’s View: FIS Key Strengths & Strategic Development
Opportunities . 71
3.5.7 Fiserv . 72
i. Corporate . 72
Table 3.7: Fiserv Financial Snapshot ($bn) 2016-2018 . 72
ii. Geographic Spread . 73
iii. Key Clients & Strategic Partnerships . 73
iv. High Level View of Offerings . 73
v. Juniper Research’s View: Fiserv Key Strengths & Strategic Development
Opportunities . 75
3.5.8 Payline Data. 75
i. Corporate Profile . 75
ii. Geographic Spread . 75
iii. Key Clients & Strategic Partnerships . 75
iv. High Level View of Offerings . 76
v. Juniper Research’s View: Payline Data Strengths & Strategic Development
Opportunities . 76
3.5.9 PayPal . 76
i. Corporate . 76
Table 3.8: PayPal Financial Snapshot ($bn) 2014-2018 . 77
ii. Geographic Spread . 77
iii. Key Clients & Strategic Partnerships . 77
iv. High Level View of Offerings . 78
v. Juniper Research’s View: PayPal Key Strengths & Strategic Development
Opportunities . 78
3.5.10 Paysafe . 79
i. Corporate . 79
ii. Geographic Spread . 80
iii. Key Clients & Strategic Partnerships . 80
iv. High Level View of Offerings . 80
v. Juniper Research’s View: Paysafe Key Strengths & Strategic Development
Opportunities . 81
3.5.11 Sage Pay . 81
i. Corporate . 81
Table 3.9: Sage Financial Snapshot ($m) 2016-2018 . 81
ii. Geographic Spread . 82
iii. Key Clients & Strategic Partnerships . 82
iv. High Level View of Offerings . 82
v. Juniper Research’s View: Sage Pay Key Strengths & Strategic Development
Opportunities . 82
3.5.12 Shopify . 83
i. Corporate . 83
Table 3.10: Shopify Financial Performance Snapshot, 2016-2018 . 83
ii. Geographic Spread . 84
iii. Key Clients & Strategic Partnerships . 84
iv. High Level View of Offerings . 84
v. Juniper Research’s View: Shopify Key Strengths & Strategic Development
Opportunities . 84
3.5.13 Square . 85
i. Corporate . 85
Table 3.11: Square Financial Performance Snapshot, 2016-2018 . 85
ii. Geographic Spread . 85
iii. Key Clients & Strategic Partnerships . 85
iv. High Level View of Offerings . 86
v. Juniper Research’s View: Square Key Strengths & Strategic Development
Opportunities . 86
3.5.14 Stripe . 86
i. Corporate . 86
ii. Geographic Spread . 87
iii. Key Clients & Strategic Partnerships . 87
iv. High Level View of Offerings . 87
v. Juniper Research’s View: Stripe Key Strengths & Strategic Development
Opportunities . 88
3.5.15 Trustly . 88
i. Corporate . 88
ii. Geographic Spread . 89
iii. Key Clients & Strategic Partnerships . 89
iv. High Level View of Offerings . 89
v. Juniper Research’s View: Trustly Strengths & Strategic Development
Opportunities . 90
3.5.16 WePay . 90
i. Corporate . 90
ii. Geographic Spread . 90
iii. Key Clients & Strategic Partnerships . 90
iv. High Level View of Offerings . 90
v. Juniper Research’s View: WePay Strengths & Strategic Development Opportunities . 91

Deep Dive Data & Forecasting

1. Mobile & Online Payments: Market Status

1.1 Physical Goods . 4
1.2 Digital Goods. 4
1.2.1 Streaming Drives Digital Content Growth . 4

2. Methodologies

2.1 Methodologies. 7
2.1.1 Market Segmentation Approach . 7
i. Digital Goods . 7
Figure 2.1: Digital Goods, Market Forecast Methodology . 8
ii. Physical Goods . 9
Figure 2.2: Physical Goods, Market Forecast Methodology . 10

3. Market Forecasts: Total Remote Payments

3.1 Introduction . 12
3.2 Global User Forecasts . 12
Figure & Table 3.1: Remote Purchasers of Digital & Physical Goods (m), 2019-2024 . 12
3.3 Global & Regional Traffic Forecasts . 13
Figure & Table 3.2: Total Remote Payment Transactions (m) Split by 8 Key Regions, 2019-2024 . 13
3.4 Global & Regional Transaction Size Forecasts . 14
Figure & Table 3.3: Average Remote Payment Transaction Size ($) Split by 8 Key Regions, 2019-2024 . 14
3.5 Global & Regional Gross Merchandise Sales Forecasts . 15
3.5.1 Gross Merchandise Sales by Region . 15
Figure & Table 3.4: Global Remote Payment Market: Gross Merchandise Sales
Transaction Value ($m) Split by 8 Key Regions, 2019-2024 . 15

4. Market Forecasts: Remote Payments for Digital Goods

4.1 Introduction . 17
4.2 Global & Regional User Forecasts . 18
4.2.1 Users as a Proportion of Adult Population . 18
Figure & Table 4.1: Unique Users who Make Remote Payments for Digital Goods
as a Percentage of Adult Population Split by 8 Key Regions, 2019-2024 . 18
4.2.2 Total Unique Users . 19
Figure & Table 4.2: Unique Users (m) Who Make Remote Payments for Digital
Goods Split by 8 Key Regions, 2019-2024 . 19
4.3 Global & Regional Traffic Forecasts . 20
4.3.1 Average User Transactions . 20
Figure & Table 4.3: Average Number of Transactions Made per Remote Payment
User for Digital Goods Per Annum, Split by 8 Key Regions, 2019-2024 . 20
4.3.2 Total Digital Goods Remote Transactions . 21
Figure & Table 4.4: Total Number of Remote Payment Transactions (m) for Digital
Goods Split by 8 Key Regions, 2019-2024 . 21
4.4 Global & Regional Transaction Value Forecasts . 22
4.4.1 Average Remote Transaction Size . 22
Figure & Table 4.5: Average Remote Digital Goods Transaction Size ($) Split by 8
Key Regions, 2019-2024 . 22
4.4.2 Gross Transaction Value . 23
Figure & Table 4.6: Total Remote Gross Transaction Value for Digital Goods ($m)
Split by 8 Key Regions, 2019-2024 . 23
4.5 Average Annual Spend per User . 24
Figure & Table 4.7: Average Spend Per User Per Annum on Remote Digital
Purchases ($) Split by 8 Key Regions 2019-2024 . 24
4.6 OEM-Pay Digital Payments . 25
4.6.1 Transaction Volume. 25
Figure & Table 4.8: Total Remote Payments for Digital Goods Verified Using
Google Pay or Apple Pay (m), Split by 8 Key Regions 2019-2024 . 25
4.6.2 Transaction Value . 26
Figure & Table 4.9: Total Remote Digital Goods Purchases Verified Using Apple
Pay or Google Pay ($m), Split by 8 Key Regions 2019-2024 . 26

5. Market Forecasts: Remote Payments for Physical Goods

5.1 Service Users . 28
Figure & Table 5.1: Total Unique Purchasers of Remote Physical Goods (m), Split
by 8 Key Regions 2019-2024. 28
5.2 Average Usage Levels . 29
Figure & Table 5.2: Average Number of Physical Goods Purchases Per Unique
User Split by 8 Key Regions 2019-2024 . 29
5.3 Total Transaction Volumes . 30
Figure & Table 5.3: Total Remote Purchases of Physical Goods Per Annum (m)
Split by 8 Key Regions 2019-2024 . 30
5.4 Average Transaction Values . 31
Figure & Table 5.4: Average Transaction Value, Remote Physical Goods
Purchases, All Devices ($) Split by 8 Key Regions 2019-2024 . 31
5.5 Total Transaction Values . 32
Figure & Table 5.5: Total Remote Physical Goods Transactions ($m) Split by 8
Key Regions, 2019-2024 . 32
5.6 OEM-Pay . 33
5.6.1 Transaction Volume . 33
Figure & Table 5.6: Total Remote Payments for Physical Goods Verified Using
OEM-Pay (m), Split by 8 Key Regions 2019-2024 . 33
5.6.2 Transaction Value . 34
Figure & Table 5.7: Total Remote Physical Goods Purchases Verified Using
OEM-Pay ($m), Split by 8 Key Regions 2019-2024 . 34
5.7 Gateway Revenues . 35
Figure & Table 5.8: Payment Gateway Revenue for Physical Goods Sales ($m),
Split by 8 Key Regions 2019-2024 . 35