欧州のレストラン向け決済処理ソリューション市場 - 2030年までの業界動向と予測Europe Payment Processing Solutions for Restaurant Market - Industry Trends and Forecast to 2030 欧州のレストラン向け決済処理ソリューション市場は、2022年の1,428,634.31千米ドルから2030年には3,524,653.64千米ドルに達し、2023年から2030年の予測期間中に年平均成長率12.5%で成長すると予測される。 ... もっと見る
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サマリー欧州のレストラン向け決済処理ソリューション市場は、2022年の1,428,634.31千米ドルから2030年には3,524,653.64千米ドルに達し、2023年から2030年の予測期間中に年平均成長率12.5%で成長すると予測される。市場区分 欧州のレストラン向け決済処理ソリューション市場:提供形態別(ソフトウェア、ハードウェア、サービス)、決済手段別(デビットカード、クレジットカード、電子財布、第三者銀行振込、その他)、展開形態別(オンプレミス、クラウドベース)、組織規模別(大企業、中小企業)、市場規模別(ソフトウェア、ハードウェア、サービス)、決済手段別(デビットカード、クレジットカード、電子財布、第三者銀行振込、その他)、組織規模別(大企業、中小企業、クラウドベース)、中小企業)、手数料タイプ(定額手数料、処理手数料、状況別手数料)、決済チャネル(店頭、ウェブ、モバイル決済、加入者決済、その他)、レストランのタイプ(カフェ&ダイナー、クイックサービス、バー&パブ、コーヒーショップ、フードトラック、ファーストカジュアル、その他)、国(U.K.,ロシア, イタリア, ドイツ, スペイン, フランス, トルコ, オランダ, ポルトガル, ベルギー, スイス, その他ヨーロッパ) - 2030年までの産業動向と予測 欧州飲食店向け決済ソリューション市場動向の概要 促進要因 - 外食産業におけるデジタル変革の高まり 抑制要因 - 高い導入コストとメンテナンスコスト 機会 - オンライン注文と配達の人気の高まり 市場プレイヤー 欧州のレストラン向け決済ソリューション市場で事業を展開する主なプレーヤーは以下の通り: - ペイパル - グローバル・ペイメント社 - Elavon Inc. - Ingenico、Adyen - NCRコーポレーション - オラクル - ビッグコマース - ペイユー - ハイペイSAS - ノバルネット - クアドラペイ 目次TABLE OF CONTENTS1 INTRODUCTION 13 1.1 OBJECTIVES OF THE STUDY 13 1.2 MARKET DEFINITION 13 1.3 OVERVIEW 13 1.4 CURRENCY AND PRICING 15 1.5 LIMITATIONS 15 1.6 MARKET S COVERED 15 2 MARKET SEGMENTATION 18 2.1 MARKET S COVERED 18 2.2 YEARS CONSIDERED FOR THE STUDY 19 2.3 GEOGRAPHIC SCOPE 19 2.4 DBMR TRIPOD DATA VALIDATION MODEL 20 2.5 PRIMARY INTERVIEWS WITH KEY OPINION LEADERS 23 2.6 DBMR MARKET POSITION GRID 24 2.7 OFFERING CURVE 25 2.8 MULTIVARIATE MODELLING 26 2.9 MARKET RESTAURANT TYPES COVERAGE GRID 27 2.10 SECONDARY SOURCES 28 2.11 ASSUMPTIONS 28 3 EXECUTIVE SUMMARY 29 4 PREMIUM INSIGHTS 32 5 MARKET OVERVIEW 33 5.1 DRIVERS 35 5.1.1 RISING DIGITAL TRANSFORMATION IN THE RESTAURANT INDUSTRY 35 5.1.2 RISING ADOPTION OF HYBRID RESTAURANT MODELS 36 5.1.3 GROWING EMPHASIS ON ENHANCING SECURITY MEASURES AND PREVENTING FRAUD 37 5.2 RESTRAINTS 38 5.2.1 HIGH IMPLEMENTATION AND MAINTENANCE COST 38 5.3 OPPORTUNITIES 40 5.3.1 GROWING INCLINATION TOWARDS MOBILE PAYMENTS 40 5.3.2 INCREASING POPULARITY OF ONLINE ORDERING AND DELIVERY 42 5.3.3 RISING STRATEGIC PARTNERSHIP AND COLLABORATIONS 43 5.4 CHALLENGES 45 5.4.1 INTEGRATION CHALLENGES IN RESTAURANT PAYMENT SOLUTIONS 45 5.4.2 THE NEED FOR A SKILLED WORKFORCE 46 6 EUROPE PAYMENT PROCESSING SOLUTIONS FOR RESTAURANT MARKET, BY OFFERING 48 6.1 OVERVIEW 49 6.2 SOFTWARE 50 6.2.1 BY TYPE 50 6.2.1.1 PAYMENT PLATFORM 50 6.2.1.2 PAYMENT GATEWAY 50 6.2.1.3 OTHERS 50 6.3 HARDWARE 51 6.4 SERVICES 51 6.4.1 INSTALLATION & IMPLEMENTATION 51 6.4.2 SUPPORT AND MENTENANCE 51 7 EUROPE PAYMENT PROCESSING SOLUTIONS FOR RESTAURANT MARKET, BY PAYMENT 52 7.1 OVERVIEW 53 7.2 DEBIT CARD 54 7.2.1 BY TYPE 54 7.2.1.1 VISA DEBIT CARD 54 7.2.1.2 MASTERCARD DEBIT CARD 54 7.2.1.3 OTHERS 55 7.3 CREDIT CARD 55 7.3.1 BY TYPE 55 7.3.1.1 REWARDS CREDIT CARDS 55 7.3.1.2 BUSINESS CREDIT CARDS 55 7.3.1.3 CHARGE CREDIT CARDS 56 7.3.1.4 SUBPRIME CREDIT CARDS 56 7.3.1.5 BALANCE TRANSFER CREDIT CARDS 56 7.3.1.6 LIMITED PURPOSE CREDIT CARDS 56 7.3.1.7 STUDENT CREDIT CARDS 56 7.3.1.8 OTHERS 56 7.4 E-WALLET 56 7.5 THIRD PARTY BANK TRANSFERS 56 7.6 OTHERS 56 8 EUROPE PAYMENT PROCESSING SOLUTIONS FOR RESTAURANT MARKET, BY DEPLOYMENT MODE 57 8.1 OVERVIEW 58 8.2 ON-PREMISES 59 8.2.1 BY ORANIZATION SIZE 59 8.2.1.1 LARGE ENTERPRISE 59 8.2.1.2 SMALL & MEDIUM SIZE ENTERPRISE 59 8.3 CLOUD BASED 60 8.3.1 BY ORANIZATION SIZE 60 8.3.1.1 LARGE ENTERPRISE 60 8.3.1.2 SMALL & MEDIUM SIZE ENTERPRISE 60 9 EUROPE PAYMENT PROCESSING SOLUTIONS FOR RESTAURANT MARKET, BY ORGANIZATION SIZE 61 9.1 OVERVIEW 62 9.2 LARGE ENTERPRISE 63 9.3 SMALL & MEDIUM SIZE ENTERPRISE 63 10 EUROPE PAYMENT PROCESSING SOLUTIONS FOR RESTAURANT MARKET, BY FEES TYPE 64 10.1 OVERVIEW 65 10.2 FLAT FEES 66 10.2.1 BY TYPE 66 10.2.1.1 ANNUAL FEE 66 10.2.1.2 PAYMENT GATEWAY FEE 66 10.2.1.3 TERMINAL FEE 67 10.2.1.4 MONTHLY FEE 67 10.2.1.5 BATCH FEE 67 10.2.1.6 NETWORK ACCESS FEE 67 10.2.1.7 ONLINE REPORTING FEE 67 10.2.1.8 STATEMENT FEE 67 10.3 PROCESSING FEES 67 10.3.1 BY TYPE 68 10.3.1.1 COST PLUS 68 10.3.1.2 PROCESSING FLAT FEE 68 10.3.1.3 INTERCHANGE DIFFERENTIAL 68 10.3.1.4 TIERED 68 10.4 SITUATIONAL FEES 68 10.4.1 BY TYPE 69 10.4.1.1 MONTHLY MINIMUM FEE 69 10.4.1.2 SET-UP FEE 69 10.4.1.3 CHARGEBACK FEE (NON-NEGOTIABLE) 69 10.4.1.4 CANCELLATION FEE 69 10.4.1.5 INTERNATIONAL FEE (NON-NEGOTIABLE) 69 10.4.1.6 NSF FEE (NON-NEGOTIABLE) 69 11 EUROPE PAYMENT PROCESSING SOLUTIONS FOR RESTAURANT MARKET, BY PAYMENT CHANNEL 70 11.1 OVERVIEW 71 11.2 OVER-THE-COUNTER 72 11.3 WEB 72 11.4 MOBILE PAYMENTS 72 11.4.1 BY TECHNOLOGY 73 11.4.1.1 QR PAYMENTS 73 11.4.1.2 NFC PAYMENTS 73 11.4.1.3 OTHERS 73 11.5 SUBSCRIBER PAYMENT 73 11.6 OTHERS 73 12 EUROPE PAYMENT PROCESSING SOLUTIONS FOR RESTAURANT MARKET, BY RESTAURANT TYPES 74 12.1 OVERVIEW 75 12.2 CAFÉ & DINNER 76 12.3 QUICK SERVICE 76 12.4 BAR & PUB 76 12.5 COFFEE SHOP 76 12.6 FOOD TRUCK 77 12.6.1 BY MODELS 77 12.6.1.1 TRADITIONAL FOOD TRUCK 77 12.6.1.2 FOOD CART 77 12.6.1.3 FOOD TRAILER 78 12.6.2 BY TYPE 78 12.6.2.1 STREET FOOD TRUCK 78 12.6.2.2 FAST FOOD TRUCK 78 12.6.2.3 BBQ FOOD TRUCK 78 12.6.2.4 DESSERT FOOD TRUCK 78 12.6.2.5 VEGAN FOOD TRUCK 79 12.6.2.6 GOURMET FOOD TRUCK 79 12.6.2.7 OTHERS 79 12.7 FAST CASUAL 79 12.8 OTHERS 79 13 EUROPE PAYMENT PROCESSING SOLUTIONS FOR RESTAURANT MARKET, BY COUNTRY 80 13.1 EUROPE 80 13.1.1 GERMANY 84 13.1.2 FRANCE 84 13.1.3 U.K. 84 13.1.4 ITALY 84 13.1.5 SPAIN 84 13.1.6 RUSSIA 84 13.1.7 POLAND 84 13.1.8 BELGIUM 84 13.1.9 NETHERLANDS 84 13.1.10 SWEDEN 85 13.1.11 SWITZERLAND 85 13.1.12 DENMARK 85 13.1.13 TURKEY 85 13.1.14 FINLAND 85 13.1.15 NORWAY 85 13.1.16 REST OF EUROPE 85 14 EUROPE PAYMENT PROCESSING SOLUTIONS FOR RESTAURANT MARKET: COMPANY LANDSCAPE 86 14.1 COMPANY SHARE ANALYSIS: EUROPE 86 15 SWOT ANALYSIS 87 16 COMPANY PROFILES 88 16.1 PAYPAL 88 16.1.1 COMPANY SNAPSHOT 88 16.1.2 REVENUE ANALYSIS 88 16.1.3 SERVICE PORTFOLIO 89 16.1.4 RECENT DEVELOPMENTS 89 16.2 GLOBAL PAYMENTS INC. 90 16.2.1 COMPANY SNAPSHOT 90 16.2.2 REVENUE ANALYSIS 90 16.2.3 PRODUCT PORTFOLIO 91 16.2.4 RECENT DEVELOPMENTS 91 16.3 ELAVON INC. 92 16.3.1 COMPANY SNAPSHOT 92 16.3.2 PRODUCT PORTFOLIO 92 16.3.3 RECENT DEVELOPMENTS 92 16.4 INGENICO 93 16.4.1 COMPANY SNAPSHOT 93 16.4.2 SOLUTION PORTFOLIO 93 16.4.3 RECENT DEVELOPMENT 93 16.5 ADYEN 94 16.5.1 COMPANY SNAPSHOT 94 16.5.2 REVENUE ANALYSIS 94 16.5.3 SOLUTION PORTFOLIO 95 16.5.4 RECENT DEVELOPMENTS 95 16.6 BIGCOMMERCE PTY. LTD. 96 16.6.1 COMPANY SNAPSHOT 96 16.6.2 REVENUE ANALYSIS 96 16.6.3 SOLUTION PORTFOLIO 97 16.6.4 RECENT DEVELOPMENTS 97 16.7 HIPAY SAS 98 16.7.1 COMPANY SNAPSHOT 98 16.7.2 REVENUE ANALYSIS 98 16.7.3 SOLUTION PORTFOLIO 99 16.7.4 RECENT DEVELOPMENTS 99 16.8 NCR CORPORATION 100 16.8.1 COMPANY SNAPSHOT 100 16.8.2 REVENUE ANALYSIS 100 16.8.3 PRODUCT PORTFOLIO 101 16.8.4 RECENT DEVELOPMENTS 101 16.9 ORACLE CORPORATION 103 16.9.1 COMPANY SNAPSHOT 103 16.9.2 REVENUE ANALYSIS 104 16.9.3 SOLUTION PORTFOLIO 104 16.9.4 RECENT DEVELOPMENTS 105 16.10 PAYU 107 16.10.1 COMPANY SNAPSHOT 107 16.10.2 SOLUTION PORTFOLIO 107 16.10.3 RECENT DEVELOPMENTS 107 16.11 QUADRAPAY 108 16.11.1 COMPANY SNAPSHOT 108 16.11.2 PRODUCT PORTFOLIO 108 16.11.3 RECENT DEVELOPMENTS 108 17 QUESTIONNAIRE 109 18 RELATED REPORTS 113
SummaryEurope payment processing solutions for restaurant market is expected to reach USD 3,524,653.64 thousand by 2030 from USD 1,428,634.31 thousand in 2022, growing at a CAGR of 12.5% during the forecast period of 2023 to 2030. Table of ContentsTABLE OF CONTENTS1 INTRODUCTION 13 1.1 OBJECTIVES OF THE STUDY 13 1.2 MARKET DEFINITION 13 1.3 OVERVIEW 13 1.4 CURRENCY AND PRICING 15 1.5 LIMITATIONS 15 1.6 MARKET S COVERED 15 2 MARKET SEGMENTATION 18 2.1 MARKET S COVERED 18 2.2 YEARS CONSIDERED FOR THE STUDY 19 2.3 GEOGRAPHIC SCOPE 19 2.4 DBMR TRIPOD DATA VALIDATION MODEL 20 2.5 PRIMARY INTERVIEWS WITH KEY OPINION LEADERS 23 2.6 DBMR MARKET POSITION GRID 24 2.7 OFFERING CURVE 25 2.8 MULTIVARIATE MODELLING 26 2.9 MARKET RESTAURANT TYPES COVERAGE GRID 27 2.10 SECONDARY SOURCES 28 2.11 ASSUMPTIONS 28 3 EXECUTIVE SUMMARY 29 4 PREMIUM INSIGHTS 32 5 MARKET OVERVIEW 33 5.1 DRIVERS 35 5.1.1 RISING DIGITAL TRANSFORMATION IN THE RESTAURANT INDUSTRY 35 5.1.2 RISING ADOPTION OF HYBRID RESTAURANT MODELS 36 5.1.3 GROWING EMPHASIS ON ENHANCING SECURITY MEASURES AND PREVENTING FRAUD 37 5.2 RESTRAINTS 38 5.2.1 HIGH IMPLEMENTATION AND MAINTENANCE COST 38 5.3 OPPORTUNITIES 40 5.3.1 GROWING INCLINATION TOWARDS MOBILE PAYMENTS 40 5.3.2 INCREASING POPULARITY OF ONLINE ORDERING AND DELIVERY 42 5.3.3 RISING STRATEGIC PARTNERSHIP AND COLLABORATIONS 43 5.4 CHALLENGES 45 5.4.1 INTEGRATION CHALLENGES IN RESTAURANT PAYMENT SOLUTIONS 45 5.4.2 THE NEED FOR A SKILLED WORKFORCE 46 6 EUROPE PAYMENT PROCESSING SOLUTIONS FOR RESTAURANT MARKET, BY OFFERING 48 6.1 OVERVIEW 49 6.2 SOFTWARE 50 6.2.1 BY TYPE 50 6.2.1.1 PAYMENT PLATFORM 50 6.2.1.2 PAYMENT GATEWAY 50 6.2.1.3 OTHERS 50 6.3 HARDWARE 51 6.4 SERVICES 51 6.4.1 INSTALLATION & IMPLEMENTATION 51 6.4.2 SUPPORT AND MENTENANCE 51 7 EUROPE PAYMENT PROCESSING SOLUTIONS FOR RESTAURANT MARKET, BY PAYMENT 52 7.1 OVERVIEW 53 7.2 DEBIT CARD 54 7.2.1 BY TYPE 54 7.2.1.1 VISA DEBIT CARD 54 7.2.1.2 MASTERCARD DEBIT CARD 54 7.2.1.3 OTHERS 55 7.3 CREDIT CARD 55 7.3.1 BY TYPE 55 7.3.1.1 REWARDS CREDIT CARDS 55 7.3.1.2 BUSINESS CREDIT CARDS 55 7.3.1.3 CHARGE CREDIT CARDS 56 7.3.1.4 SUBPRIME CREDIT CARDS 56 7.3.1.5 BALANCE TRANSFER CREDIT CARDS 56 7.3.1.6 LIMITED PURPOSE CREDIT CARDS 56 7.3.1.7 STUDENT CREDIT CARDS 56 7.3.1.8 OTHERS 56 7.4 E-WALLET 56 7.5 THIRD PARTY BANK TRANSFERS 56 7.6 OTHERS 56 8 EUROPE PAYMENT PROCESSING SOLUTIONS FOR RESTAURANT MARKET, BY DEPLOYMENT MODE 57 8.1 OVERVIEW 58 8.2 ON-PREMISES 59 8.2.1 BY ORANIZATION SIZE 59 8.2.1.1 LARGE ENTERPRISE 59 8.2.1.2 SMALL & MEDIUM SIZE ENTERPRISE 59 8.3 CLOUD BASED 60 8.3.1 BY ORANIZATION SIZE 60 8.3.1.1 LARGE ENTERPRISE 60 8.3.1.2 SMALL & MEDIUM SIZE ENTERPRISE 60 9 EUROPE PAYMENT PROCESSING SOLUTIONS FOR RESTAURANT MARKET, BY ORGANIZATION SIZE 61 9.1 OVERVIEW 62 9.2 LARGE ENTERPRISE 63 9.3 SMALL & MEDIUM SIZE ENTERPRISE 63 10 EUROPE PAYMENT PROCESSING SOLUTIONS FOR RESTAURANT MARKET, BY FEES TYPE 64 10.1 OVERVIEW 65 10.2 FLAT FEES 66 10.2.1 BY TYPE 66 10.2.1.1 ANNUAL FEE 66 10.2.1.2 PAYMENT GATEWAY FEE 66 10.2.1.3 TERMINAL FEE 67 10.2.1.4 MONTHLY FEE 67 10.2.1.5 BATCH FEE 67 10.2.1.6 NETWORK ACCESS FEE 67 10.2.1.7 ONLINE REPORTING FEE 67 10.2.1.8 STATEMENT FEE 67 10.3 PROCESSING FEES 67 10.3.1 BY TYPE 68 10.3.1.1 COST PLUS 68 10.3.1.2 PROCESSING FLAT FEE 68 10.3.1.3 INTERCHANGE DIFFERENTIAL 68 10.3.1.4 TIERED 68 10.4 SITUATIONAL FEES 68 10.4.1 BY TYPE 69 10.4.1.1 MONTHLY MINIMUM FEE 69 10.4.1.2 SET-UP FEE 69 10.4.1.3 CHARGEBACK FEE (NON-NEGOTIABLE) 69 10.4.1.4 CANCELLATION FEE 69 10.4.1.5 INTERNATIONAL FEE (NON-NEGOTIABLE) 69 10.4.1.6 NSF FEE (NON-NEGOTIABLE) 69 11 EUROPE PAYMENT PROCESSING SOLUTIONS FOR RESTAURANT MARKET, BY PAYMENT CHANNEL 70 11.1 OVERVIEW 71 11.2 OVER-THE-COUNTER 72 11.3 WEB 72 11.4 MOBILE PAYMENTS 72 11.4.1 BY TECHNOLOGY 73 11.4.1.1 QR PAYMENTS 73 11.4.1.2 NFC PAYMENTS 73 11.4.1.3 OTHERS 73 11.5 SUBSCRIBER PAYMENT 73 11.6 OTHERS 73 12 EUROPE PAYMENT PROCESSING SOLUTIONS FOR RESTAURANT MARKET, BY RESTAURANT TYPES 74 12.1 OVERVIEW 75 12.2 CAFÉ & DINNER 76 12.3 QUICK SERVICE 76 12.4 BAR & PUB 76 12.5 COFFEE SHOP 76 12.6 FOOD TRUCK 77 12.6.1 BY MODELS 77 12.6.1.1 TRADITIONAL FOOD TRUCK 77 12.6.1.2 FOOD CART 77 12.6.1.3 FOOD TRAILER 78 12.6.2 BY TYPE 78 12.6.2.1 STREET FOOD TRUCK 78 12.6.2.2 FAST FOOD TRUCK 78 12.6.2.3 BBQ FOOD TRUCK 78 12.6.2.4 DESSERT FOOD TRUCK 78 12.6.2.5 VEGAN FOOD TRUCK 79 12.6.2.6 GOURMET FOOD TRUCK 79 12.6.2.7 OTHERS 79 12.7 FAST CASUAL 79 12.8 OTHERS 79 13 EUROPE PAYMENT PROCESSING SOLUTIONS FOR RESTAURANT MARKET, BY COUNTRY 80 13.1 EUROPE 80 13.1.1 GERMANY 84 13.1.2 FRANCE 84 13.1.3 U.K. 84 13.1.4 ITALY 84 13.1.5 SPAIN 84 13.1.6 RUSSIA 84 13.1.7 POLAND 84 13.1.8 BELGIUM 84 13.1.9 NETHERLANDS 84 13.1.10 SWEDEN 85 13.1.11 SWITZERLAND 85 13.1.12 DENMARK 85 13.1.13 TURKEY 85 13.1.14 FINLAND 85 13.1.15 NORWAY 85 13.1.16 REST OF EUROPE 85 14 EUROPE PAYMENT PROCESSING SOLUTIONS FOR RESTAURANT MARKET: COMPANY LANDSCAPE 86 14.1 COMPANY SHARE ANALYSIS: EUROPE 86 15 SWOT ANALYSIS 87 16 COMPANY PROFILES 88 16.1 PAYPAL 88 16.1.1 COMPANY SNAPSHOT 88 16.1.2 REVENUE ANALYSIS 88 16.1.3 SERVICE PORTFOLIO 89 16.1.4 RECENT DEVELOPMENTS 89 16.2 GLOBAL PAYMENTS INC. 90 16.2.1 COMPANY SNAPSHOT 90 16.2.2 REVENUE ANALYSIS 90 16.2.3 PRODUCT PORTFOLIO 91 16.2.4 RECENT DEVELOPMENTS 91 16.3 ELAVON INC. 92 16.3.1 COMPANY SNAPSHOT 92 16.3.2 PRODUCT PORTFOLIO 92 16.3.3 RECENT DEVELOPMENTS 92 16.4 INGENICO 93 16.4.1 COMPANY SNAPSHOT 93 16.4.2 SOLUTION PORTFOLIO 93 16.4.3 RECENT DEVELOPMENT 93 16.5 ADYEN 94 16.5.1 COMPANY SNAPSHOT 94 16.5.2 REVENUE ANALYSIS 94 16.5.3 SOLUTION PORTFOLIO 95 16.5.4 RECENT DEVELOPMENTS 95 16.6 BIGCOMMERCE PTY. LTD. 96 16.6.1 COMPANY SNAPSHOT 96 16.6.2 REVENUE ANALYSIS 96 16.6.3 SOLUTION PORTFOLIO 97 16.6.4 RECENT DEVELOPMENTS 97 16.7 HIPAY SAS 98 16.7.1 COMPANY SNAPSHOT 98 16.7.2 REVENUE ANALYSIS 98 16.7.3 SOLUTION PORTFOLIO 99 16.7.4 RECENT DEVELOPMENTS 99 16.8 NCR CORPORATION 100 16.8.1 COMPANY SNAPSHOT 100 16.8.2 REVENUE ANALYSIS 100 16.8.3 PRODUCT PORTFOLIO 101 16.8.4 RECENT DEVELOPMENTS 101 16.9 ORACLE CORPORATION 103 16.9.1 COMPANY SNAPSHOT 103 16.9.2 REVENUE ANALYSIS 104 16.9.3 SOLUTION PORTFOLIO 104 16.9.4 RECENT DEVELOPMENTS 105 16.10 PAYU 107 16.10.1 COMPANY SNAPSHOT 107 16.10.2 SOLUTION PORTFOLIO 107 16.10.3 RECENT DEVELOPMENTS 107 16.11 QUADRAPAY 108 16.11.1 COMPANY SNAPSHOT 108 16.11.2 PRODUCT PORTFOLIO 108 16.11.3 RECENT DEVELOPMENTS 108 17 QUESTIONNAIRE 109 18 RELATED REPORTS 113
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