Summary

英国の市場調査会社ジュニパーリサーチのレポート「QRコード決済: 主要機会、地域分析、市場予測 2021-2025年」は、QRコードが既存市場のみならず新らたな市場でも、決済にどのように活用されつつあるかを詳細に評価している。QRコード決済が多くの市場にどう適応しているのか、今後の展望は何か、成長にはどのような課題があるのかを理解することに重点を置いている。また、このレポートでは、頻繁に競合するQRコード決済と非接触型決済の詳細な比較も行っている。

Overview

Juniper Research’s new QR Code Payments research report provides a highly detailed assessment of how QR codes are being leveraged for payments in established markets but also in new markets. The report focuses on understanding how QR code payments are suited to a large number of markets, what the future prospects are, and what challenges there are to growth. The research also provides a detailed comparison of QR code payments versus contactless payments, as these two methods are in frequent competition. The research suite also contains a detailed dataset; providing forecasts for 26 countries across a number of different metrics.

The research report also assesses 15 leading QR code payment vendors across the market via a Juniper Research Leaderboard; providing a key resource for market stakeholders in understanding the evolution of the market going forward.

This research suite comprises:

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

Key Features

Key Questions

Companies Referenced

Included in Juniper Research Leaderboard: Alipay, BharatPe, Easypaisa, Google Pay, Kakao Pay, Mercado Pago, M-PESA, PayMaya, PayPal, Paytm, PhonePe, Rakuten Pay, STC Pay, WeChat Pay, Yoyo Wallet.
 
Mentioned: 1688.com, Affin Bank, AGH Holdings, Agro Bank, Al Rajhi Bank, Alibaba, AliExpress, Alliance Bank, AlphaPay, Amazon, AmBank, American Express, Ant Financial, Ant Financial Group, Ant Group, Apollo Pharmacy, Apple, Attock, Axis Bank, Bangko Sentral ng Pilipinas, Bank Indonesia, Bank Islam, Bank Muamalat, Bank of China, Bank of England, Bank Rakyat, Baramda, Bata, Bed Bath & Beyond, Berkshire Hathaway, BigPay, Bombay Chowpatti, BookMyShow, Brazil’s Central Bank, BSN, Burger King, Byco, Carnival Cinemas, Chaaye Khana, Chase Pay, China Postal ePost , Cinepolis, Citibank, Confinity, Croma, DANA, Decathlon, Discovery Capital, Dishtv, Domino’s, Dunkin Donuts, Easypaisa, EHB Bank, Enrich Salons, Fave Pay, Finexus, FNB (First National Bank), Foodpanda, FreshMenu, Gloria Jean’s Coffees, Goibibo, Gojek, Google, GoPay, Grab, Greentrends, Hardee’s, HDFC Bank, Healthpass, HongLeong Bank, HSBC, Huawei Pay, ICBC, ICICI Bank, iDEAL, InteliPOS, iZettle, JCB, Jet Airways, Kauai, KFC, KKR, Lightspeed, Line Pay, Liquid Pay, MAS (Monetary Authority of Singapore), Mastercard, Maybank, MBSB Bank, McDonalds, MedPlus, Mercado Libre, More, Naheed Supermarket, Netcash, Nets, NHS (National Health Service), Ni, Nike, NPCI (National Payments Corporation of India), NPP (New Payments Platform), Nykaa, OCBC Bank, Ola, Oracle, OVO, Paygate, PayNet, PayNet (Payments Network Malaysia), Paysafe, PBOC (People’s Bank of China), Pesapal , PhonePe, Pizza Hut, Pizza Lounge, PLDT, Port Grand, Public Bank, Public Bank Berhad, Punjab National Bank, Rakuten Bank, Rakuten Tokyu Planning Co, Ltd, Raseedy, RBI (Reserve Bank of India), RedBus, Rehmat-e-Shereen, Reliance, Reserve Bank of Australia, RuPay, Safaricom, SAFE (State Administration of Foreign Exchange), saib Bank, SAIF Partners, SAMA (Saudi Arabia Monetary Authority), Samsonite, SBI, SG QR , Shaheen Chemist, ShopeePay, Singtel Dash, Smart Communications, Smart Padala, Smash, SnapPay, SnapScan, SoftBank, Spencer’s, SPI Cinemas, SRL Diagnostics, Standard Chartered, Star India Bazaar, State Bank of Pakistan, Studio 11, Suryoday Small Finance Bank , Swiggy, T Rowe Price, Talwalkars, Tameer Bank, Taobao Marketplace, Telenor Microfinance Bank, Telenor Pakistan, Tencent, Tez, The Cheese Factor, Tmall, Tokyu, Total, Touch n Go Wallet, Tumi, Uber, UnionPay, UOB, Venmo, vida e caffè, Visa, Vishal, Vodafone, Voyager Innovations, Weixin Pay, Western Union, WhatsApp, wiGroup, Worldpay, Yahoo, YLG, Yoka Pay, Zapper, Zerodha, Zomato

Data & Interactive Forecast

Juniper Research’s QR Code Payments forecast suite includes:

• Five-year benchmark forecasts for key metrics across 8 key regions:
  • North America
  • Latin America
  • West Europe
  • Central & East Europe
  • Far East & China
  • Indian Subcontinent
  • Rest of Asia Pacific
  • Africa & Middle East
• Country-level splits:
  • Brazil
  • Canada
  • China
  • Denmark
  • France
  • Germany
  • India
  • Indonesia
  • Japan
  • Kenya
  • Malaysia
  • Mexico
  • Netherlands
  • Norway
  • Philippines
  • Portugal
  • Russia
  • Saudi Arabia
  • Singapore
  • South Africa
  • South Korea
  • Spain
  • Sweden
  • Turkey
  • UK
  • US
• QR Code payments market split by 2 scheme types:
  • National QR Code payment schemes
  • Third-party QR Code payment schemes
• QR code payments split by 2 key transaction types:
  • Retail Payments
  • Ticketing Payments
• Interactive Scenario Tool allowing users to manipulate Juniper Research’s data for four different metrics.
• Access to the full set of forecast data of 28 tables and more than 7,100 datapoints.

Juniper Research’s highly granular IFxls (interactive Excels) enable clients to manipulate our forecast data and charts to test their own assumptions, by 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.

QR Code Payments Reports

Full Research Suite
QR Code Payments full research suite comprises:

•     QR Code Payments PDF report
•     Interactive Forecast IFXL spreadsheet
•     12 months' access to QR Code Payments data updates in harvest

PDF & Excel Report
QR Code Payments full research suite comprises:

•     QR Code Payments PDF report
•     Interactive Forecast IFXL spreadsheet

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Table of Contents

Table of Contents

1.QR Payments –Key Takeaways & Strategic Recommendations1.1 Key Takeaways.8

1.2 Strategic Recommendations.9

2.QR Payments –Market Landscape2.1 Introduction.11

2.2 Definitions & Scope.11
Figure 2.1: Merchant Presented QR.11
Figure 2.2: Consumer Presented QR.12
2.3 Current QR Payments Landscape.12
2.3.1 Current Market Status.12
Figure 2.3: Total Volume of QR Payments (m), 2020-2025, Split by 8 Key Regions.12
Figure 2.4: Top 3 Countries for QR Transactions, 2020.13
Figure 2.5: Percentage of Mobile Handsets Using QR Codes (%), 2020.13
2.3.2 National QR Schemes vs Third-party Schemes.14
2.4 Current QR Payment Trends.14
2.4.1 COVID-19 and the Boost for QR.14
2.4.2 Expansion Outside China.15
2.4.3 Strong Payments Industry Support for QR.15
2.5 Monetising QR Payments.16
2.6 QR versus Contactless Payments.17
Figure 2.6: QR & Contactless Payments –Strengths & Weaknesses.17
2.6.1 QR Payments.18
i. Strengths.18
ii. Weaknesses.18
2.6.2 Contactless Payments.19
i. Strengths.19
ii. Weaknesses.19
2.6.3 Conclusion.20
Figure 2.7: Contactless Mobile Users versus QR Payment Users, Global, 2015-2024.20
2.7 QR Payments –Future Outlook.21
Figure 2.8: Percentage of Mobile Handsets Using QR Codes (%), 2025.21

3.QR Payments –Regional Analysis

3.1 Introduction.23
3.1.1 QR Payments –Regional Heat Map Analysis.23
Figure 3.1: QR Payments -Regional Heat Map & Key.23
Table 3.2: QR Payments -Regional Heat Map Assessment Factors.24
3.1.2 Regional Heat Map –Conclusions.24
i. Level of QR Adoption.24
ii. Level of Competition.24
iii. Regulatory Barriers.24
iv. Potential for QR Adoption.24
v. Merchant Adoption of QR.24
vi. Conclusion.24
3.2 North America.25
3.2.1 US.25
i. Current Deployment Level.25
ii. Regulatory Considerations.25
iii. Future Outlook.25
3.2.2 Canada.25
i. Current Deployment Level.25
ii. Regulatory Considerations.26
iii. Future Outlook.26
3.3 Europe.26
3.3.1 UK.26
i. Current Deployment Level.26
ii. Regulatory Considerations.26
iii. Future Outlook.26
3.3.2 Denmark.26
i. Current Deployment Level.26
Figure 3.3: Sample iDEAL QR Code.27
ii. Regulatory Considerations.27
iii. Future Outlook.27
3.3.3 Germany.27
i. Current Deployment Level.27
ii. Regulatory Considerations.27
iii. Future Outlook.28
3.4 Latin America.28
3.4.1 Brazil.28
i. Current Deployment Level.28
ii. Regulatory Considerations.28
iii. Future Outlook.28
3.4.2 Mexico.28
i. Current Deployment Level.28
ii. Regulatory Considerations.28
iii. Future Outlook.28
3.5 Indian Subcontinent.29
3.5.1 India.29
i. Current Deployment Level.29
Figure 3.4: Volume of Payments on UPI (m) vs Number of Banks Live on UPI, January 2019-November 2020.29
ii. Regulatory Considerations.30
iii. Future Outlook.30
3.5.2 Pakistan.30
i. Current Deployment Level.30
ii. Regulatory Considerations.30
iii. Future Outlook.30
3.6 Far East & China.30
3.6.1 China.31
i. Current Deployment Level.31
ii. Regulatory Considerations.31
iii.Future Outlook.31
3.6.2 Japan.31
i. Current Deployment Level.31
ii. Regulatory Considerations.31
ii. Future Outlook.31
3.7 Rest of Asia Pacific.32
3.7.1 Australia.32
i. Current Deployment Level.32
ii. Regulatory Considerations.32
iii. Future Outlook.32
3.7.2 Indonesia.32
i. Current Deployment Level.32
ii. Regulatory Considerations.33
iii. Future Outlook.33
3.7.3 Malaysia.33
i. Current Deployment Level.33
ii. Regulatory Considerations.33
iii. Future Outlook.33
3.7.4 Singapore.33
i. Current Deployment Level.33
ii. Regulatory Considerations.33
iii. Future Outlook.34
3.8 Africa & Middle East.34
3.8.1 Kenya.34
i. Current Deployment Level.34
ii. Regulatory Considerations.34
iii. Future Outlook.34
3.8.2 South Africa.34
i. Current Deployment Level.34
ii. Regulatory Considerations.35
iii. Future Outlook.35
3.8.3 Saudi Arabia.35
i. Current Deployment Level.35
ii. Regulatory Considerations.35
iii. Future Outlook.35

4.QR Payments Competitive Analysis & Leaderboard4.1 Competitive Analysis Introduction.37

4.2 Vendor Analysis & Juniper Research Leaderboard.37
Table 4.1: QR Payments Vendor Capability Assessment Factors.38
Figure 4.2: Juniper Research Leaderboardfor QR Payments.39
Table 4.3: QR Payments Leaderboard Scoring Heatmap.40
i. Limitations & Interpretation.41
4.2.2 Vendor Groupings.42
i. Summary.42
ii. Established Leaders.42
iii. Leading Challengers.42
iv. Disruptors and Emulators.43
4.3 Vendor Profiles.44
4.3.1 Alipay.44
i. Corporate.44
ii. Geographic Spread.44
iii. Key Clients & Strategic Partnerships.44
iv. High-level View of Offerings.44
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities.45
4.3.2 BharatPe.45
i. Corporate.45
Figure 4.4: BharatPeFunding Rounds.45
ii. Geographic Spread.46
iii. Key Clients & Strategic Partnerships.46
iv. High-level View of Offerings.46
v.Juniper Research’s View: Key Strengths & Strategic Development Opportunities.46
4.3.3 Easypaisa.46
i. Corporate.46
ii. Geographic Spread.47
iii. Key Clients & Strategic Partnerships.47
iv. High-level View of Offerings.47
v.Juniper Research’s View: Key Strengths & Strategic Development Opportunities.47
4.3.4 Google Pay.47
i. Corporate.47
ii. Geographic Spread.48
iii. Key Clients & Strategic Partnerships.48
iv. High-level View of Offerings.48
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities.48
4.3.5 Kakao Pay.48
i. Corporate.48
ii. Geographic Spread.49
iii. Key Clients & Strategic Partnerships.49
iv. High-level View of Offerings.49
Figure 4.5: Kakao Pay QR Payments Example.49
v.Juniper Research’s View: Key Strengths & Strategic Development Opportunities.49
4.3.6 Mercado Pago.50
i. Corporate.50
ii. Geographic Spread.50
iii. Key Clients & Strategic Partnerships.50
iv. High-level View of Offerings.50
v.Juniper Research’s View: Key Strengths & Strategic Development Opportunities.50
4.3.7 M-PESA.51
i. Corporate.51
ii. Geographic Spread.51
iii. Key Clients & Strategic Partnerships.51
iv. High-level View of Offering.51
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities.51
4.3.8 PayMaya.52
i. Corporate.52
ii. Geographic Spread.52
iii. Key Clients & Strategic Partnerships.52
iv. High-level View of Offerings.52
v.Juniper Research’s View: Key Strengths & Strategic Development Opportunities.52
4.3.9 PayPal.53
i. Corporate.53
ii. Geographic Spread.53
ii. Key Clients & Strategic Partnerships.53
iv. High-level View of Offering.53
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities.53
4.3.10 Paytm.54
i. Corporate.54
ii. Geographic Spread.54
iii. Key Clients & Strategic Partnerships.54
iv. High-level View of Offerings.54
v.Juniper Research’s View: Key Strengths & Strategic Development Opportunities.54
4.3.11 PhonePe.55
i. Corporate.55
ii. Geographic Spread.55
iii. Key Clients & Strategic Partnerships.55
iv. High-level View of Offerings.55
v.Juniper Research’s View: Key Strengths & Strategic Development Opportunities.55
4.3.12 Rakuten Pay.56
i. Corporate.56
ii. Geographic Spread.56
iii. Key Clients & Strategic Partnerships.56
iv. High-level View of Offering.56
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities.56
4.3.13 STC Pay.57
i. Corporate.57
ii. Geographic Spread.57
iii. Key Clients & Strategic Partnerships.57
iv. High-level View of Offerings.57
v.Juniper Research’s View: Key Strengths & Strategic Development Opportunities.57
4.3.14 WeChat Pay.58
i. Corporate.58
ii. Geographic Spread.58
iii. Key Clients & Strategic Partnerships.58
iv. High-level View of Offering.58
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities.58
4.3.15 Yoyo Wallet.59
i. Corporate.59
ii. Geographic Spread.59
iii. Key Clients & Strategic Partnerships.59
iv. High-level View of Offerings.59
v.Juniper Research’s View: Key Strengths & Strategic Development Opportunities.59

5.QR Payments Market Forecasts5.1 Introduction.61

5.2 Methodology & Assumptions.61
Figure 5.1: QR Payments –Forecast Methodology.62
5.3 QR Payments Forecasts.63
5.3.1 QR Payments Users.63
Figure & Table 5.2: Number of Mobile Handsets Using QR Codes (m), , Split by 8 Key Regions, 2020-2025.63
5.3.2 QR Payments Transaction Volume.64
Figure & Table 5.3: Total Volume of QR Payments (m), Split 8 Key Regions, 2020-2025.64
5.3.3 QR Payments Transaction Value.65
Figure & Table 5.4: Total Value of QR Payments ($m), Split by 8 Key Regions, 2020-2025.65
5.3.4 National QR Schemes vs Third-party QR Schemes.66
Figure & Table 5.5: QR Payments Total Volume (m), Split by Scheme Type, 2020-2025.66