インドのプリペイドカードとデジタルウォレットのビジネスと投資機会データブック市場規模・予測、消費者態度・行動、小売支出 - 2023年第2四半期最新版

India Prepaid Card and Digital Wallet Business and Investment Opportunities Databook Market Size and Forecast, Consumer Attitude & Behaviour, Retail Spend - Q2 2023 Update

PayNXT360によると、インドのプリペイドカード市場（金額ベース）は2018年から2022年にかけて年平均成長率18.4％で増加した。2023年から2027年の予測期間において、同市場のCAGRは29.7％を記録し、2022年の356億9... もっと見る

出版社	出版年月	電子版価格	ページ数	言語
PayNXT360 ペイネクスト360	2023年8月23日	US$2,400 シングルユーザライセンスライセンス・価格情報注文方法はこちら	120	英語

目次
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サマリー

PayNXT360によると、インドのプリペイドカード市場（金額ベース）は2018年から2022年にかけて年平均成長率18.4％で増加した。2023年から2027年の予測期間において、同市場のCAGRは29.7％を記録し、2022年の356億9000万米ドルから増加し、2027年には1345億9000万米ドルに達すると予測される。

スマートフォンやインターネットの高い普及率と相まって、強固なデジタル決済インフラがインドのプリペイドカード市場を牽引している。政府の政策、フィンテック・セクターの隆盛、世界的なパンデミックの流行が、これまでにない形で業界の成長を後押ししている。2022年下半期、インドでは400億件を超えるデジタル取引が記録された。
UPI（Unified Payments Interface）の取引量と取引額は、2022年第3四半期に前年同期比で大幅に増加した。PhonePe、Google Pay、Paytmなどのモバイル決済手段が、同国のUPI取引額と取引量を牽引している。

インドでは四半期を追うごとにデジタル決済の迅速な導入が見られ、この傾向は短・中期的な観点からさらに続くと予想される。今後3～4年間は、オンラインショッピングの成長により、インドのプリペイドカード市場の成長がさらに加速すると予想される。

PhonePeとGoogle Payは、2024年12月までの市場シェア上限期限の延長によって利益を得る立場にある。

リスクに対処し、インドのUPIエコシステムを保護するため、インド国家決済公社（NPCI）は市場キャップルールを発表し、これにより、単一のプリペイド決済手段プロバイダーが1カ月間にUPIトランザクションの30％以上を処理することを制限した。しかし、現在の利用状況やUPIの将来性を考慮し、NPCIはマーケットキャップの実施を数回延期してきた。2022年12月、NPCIは市場シェア上限の期限を2024年12月まで再び延長した。

- PhonePeとGoogle Payの両社は、NPCIの今回の発表によって大きな利益を得ることになる。この2つのモバイル決済プロバイダーは、十数社がこの分野で競争している現在でも、インドにおけるUPI市場シェア全体の85％を占めている。Paytmのようなライバル企業にとっては、期限の延長は損失であり、NPCIがこのセグメントで一部の企業が達成した成長に対するチェックを導入することを期待していた。

PhonePeが時価総額30％を遵守するためには、数千万人のユーザーへのサービスを拒否しなければならなかっただろう。これは、ここ数年で大きく成長してきたインドのデジタル決済エコシステムにとって、一歩後退することを意味する。そのため、NPCIは期限を延長し、他のプレーヤーが投資し、市場シェアを拡大するのに役立つ強固なインフラを開発できるようにした。

トークン化はインドのデジタル決済導入とプリペイドカード市場の成長を加速できる

インドにはすでに強固なデジタル決済インフラが整備されており、過去3～4年のプリペイドカード市場の成長において極めて重要な役割を果たしてきた。インドではトークン化の普及によって大きな利益を得る準備が整っているため、プリペイドカード業界はさらに成長すると予測される。

- トークン化には、決済の安全性とチェックアウト体験の向上という2つの大きなメリットがある。トークンは、機密性の高い顧客データを開示したり、決済アグリゲーターや加盟店に顧客データを保存させたりすることなく、決済システムを流れるため、消費者はより安全に利用できる。その結果、インドでは短期的・中期的な観点から、より多くの消費者がデジタル決済を導入すると予測されている。

同国がトークン化を大規模かつ迅速に導入することで、前向きでスムーズな決済体験を実現し、インドにおけるデジタル決済導入の次の段階を促進することができる。

世界のフィンテック企業は、有利な中小企業セグメントを開拓するため、プリペイドカードを提供してインド市場に参入している。

中小企業（SME）はインド経済の屋台骨とみなされ、重要なサービス、雇用、成長を提供している。また、未開拓の膨大な成長機会を提供するセクターでもある。このセグメントをターゲットに、世界のフィンテック企業がプリペイドカード・サービスを携えてインドに進出している。例えば

- 2022年12月、英国を拠点とする中小企業向けフィンテック企業Tideは、2つのビジネス・バンキング・ソリューションを発表し、インド市場に参入すると発表した。Tide Business AccountとRuPay搭載のTide Expense Cardである。フィンテック企業はインドを1億ポンドのビジネスチャンスと見ている。過去2年間で、50万社以上の中小企業を同社のプラットフォームに取り込む計画だ。

企業はTideプリペイドカード・ソリューションを利用して、現金の引き出し、電子商取引での購入、その他の支払いを行うことができる。インドの中小企業におけるデジタル化の進展に伴い、B2Bプリペイドカード業界は今後3～4年間で力強い成長を記録する見通しだ。

本レポートは、プリペイド決済手段の詳細なデータ中心の分析を提供し、小売および法人消費者セグメントにおけるプリペイドカードとデジタルウォレットを通じた支出をカバーしています。さらに、インドの消費者行動と小売支出動向のスナップショットも提供しています。国レベルで100以上のKPIを掲載し、プリペイドカードとデジタルウォレットカードの市場ダイナミクスを包括的に理解しています。

- 市場ダイナミクスインドのプリペイドカードおよびデジタルウォレット業界の規模と構造、業界ダイナミクス、市場動向、消費者の態度と行動、競争状況について包括的な見解を提供します。

- デジタルウォレットのセグメントデジタルウォレットにおける5つの主要消費カテゴリにおける取引額、取引量、取引あたりの平均金額を提供。これには、小売、旅行、エンターテイメントとゲーム、レストラン、リチャージと請求書決済が含まれます。

- オープンループとクローズドループのプリペイドカード：市場推計と予測でビジネスチャンスを評価オープンループとクローズドループの13のプリペイド市場セグメント。カード流通枚数、取引件数、ロードバリュー、取引額の4つの重要なKPIを詳述。

- 消費者の態度と行動：独自の調査結果から、年齢別、性別、所得水準別の支出額など、主要なプリペイドKPIを特定・解釈。

- 小売支出：消費者行動とプリペイドカード利用動向の変化に関する詳細な洞察を提供するため、小売店での利用を11のカテゴリーに分類しています。

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1.About this Report
1.1.Methodology
1.2.Definitions
1.3.Disclaimer

2.Prepaid Payment Instrument Market Size and Future Growth Dynamics by Key Performance Indicators
2.1.India Prepaid Payment Instrument – Transaction Value Trend Analysis, 2018-2027
2.2.India Prepaid Payment Instrument – Transaction Volume Trend Analysis, 2018-2027
2.3.India Prepaid Payment Instrument – Average Value per Transaction, 2018-2027
2.4.Market Share Analysis by Prepaid Card vs. Digital Wallet, 2018-2027

3.Digital Wallet Market Size and Future Growth Dynamics by Key Performance Indicators
3.1.India Digital Wallet – Transaction Value Trend Analysis, 2018-2027
3.2.India Digital Wallet – Transaction Volume Trend Analysis, 2018-2027
3.3.India Digital Wallet – Average Value per Transaction, 2018-2027
3.4.India Digital Wallet Market Share Analysis by Key Segments

4.Digital Wallet Market Size and Future Growth Dynamics by Key Segments
4.1.Retail Payments Market Size and Future Growth Dynamics by Key Performance Indicators
4.1.1.Retail Payments – Transaction Value Trend Analysis, 2018-2027
4.1.2.Retail Payments – Transaction Volume Trend Analysis, 2018-2027
4.1.3.Retail Payments – Average Value per Transaction, 2018-2027
4.2.Travel Payments Market Size and Future Growth Dynamics by Key Performance Indicators
4.2.1.Travel Payments – Transaction Value Trend Analysis, 2018-2027
4.2.2.Travel Payments – Transaction Volume Trend Analysis, 2018-2027
4.2.3.Travel Payments – Average Value per Transaction, 2018-2027
4.3.Restaurants & Bars payments Market Size and Future Growth Dynamics by Key Performance Indicators
4.3.1.Restaurants & Bars payments – Transaction Value Trend Analysis, 2018-2027
4.3.2.Restaurants & Bars payments – Transaction Volume Trend Analysis, 2018-2027
4.3.3.Restaurants & Bars payments – Average Value per Transaction, 2018-2027
4.4.Entertainment, Gaming, & Event Payments Market Size and Future Growth Dynamics by Key Performance Indicators
4.4.1.Entertainment, Gaming, & Event Payments – Transaction Value Trend Analysis, 2018-2027
4.4.2.Entertainment, Gaming, & Event Payments – Transaction Volume Trend Analysis, 2018-2027
4.4.3.Entertainment, Gaming, & Event Payments – Average Value per Transaction, 2018-2027
4.5.Recharge and Bill Payments Market Size and Future Growth Dynamics by Key Performance Indicators
4.5.1.Recharge and Bill Payments – Transaction Value Trend Analysis, 2018-2027
4.5.2.Recharge and Bill Payments – Transaction Volume Trend Analysis, 2018-2027
4.5.3.Recharge and Bill Payments – Average Value per Transaction, 2018-2027

5.India Prepaid Card Industry Market Attractiveness
5.1.Prepaid Card Market Size and Future Growth Dynamics by Key Performance Indicators
5.1.1.India Prepaid Card – Transaction Value Trend Analysis, 2018-2027
5.1.2.India Prepaid Card – Transaction Volume Trend Analysis, 2018-2027
5.1.3.India Prepaid Card – Average Value per Transaction, 2018-2027
5.1.4.India Prepaid Card – Number of Cards, 2018-2027
5.2.Market Share Analysis by Functional Attributes – Open Loop vs. Closed Loop, 2018-2027
5.3.Market Share Analysis by Prepaid Card Categories

6.India Open Loop Prepaid Card Future Growth Dynamics, 2018-2027
6.1.Trend Analysis by Key Performance Indicators
6.1.1.Open Loop Prepaid Card – Transaction Value Trend Analysis, 2018-2027
6.1.2.Open Loop Prepaid Card – Transaction Volume Trend Analysis, 2018-2027
6.1.3.Open Loop Prepaid Card – Average Value per Transaction, 2018-2027
6.1.4.Open Loop Prepaid Card – Number of Cards, 2018-2027

7.India Closed Loop Prepaid Card Future Growth Dynamics, 2018-2027
7.1.Trend Analysis by Key Performance Indicators
7.1.1.Closed Loop Prepaid Card – Transaction Value Trend Analysis, 2018-2027
7.1.2.Closed Loop Prepaid Card – Transaction Volume Trend Analysis, 2018-2027
7.1.3.Closed Loop Prepaid Card – Average Value per Transaction, 2018-2027
7.1.4.Closed Loop Prepaid Card – Number of Cards, 2018-2027

8.India Prepaid Card Consumer Usage Trends
8.1.Prepaid Card Spend Analysis by Age Group
8.2.Prepaid Card Transaction Value Analysis by Income Group
8.3.Prepaid Card Transaction Value Analysis by Gender

9.India Prepaid Card Retail Spend Dynamics

10.India General Purpose Prepaid Card Market Size and Forecast, 2018-2027
10.1.General Purpose Prepaid Card – Transaction Value Trend Analysis, 2018-2027
10.2.General Purpose Prepaid Card Market Size and Forecast by Consumer Segments, 2018-2027
10.2.1.General Purpose Prepaid Card Market Size and Forecast – Unbanked / Underbanked Segment, 2018-2027
10.2.2.General Purpose Prepaid Card Market Size and Forecast – Banked Segment, 2018-2027

11.India Gift Card Market Size and Forecast, 2018-2027
11.1.Gift Card – Transaction Value Trend Analysis, 2018-2027
11.2.Gift Card Market Size and Forecast by Functional Attribute
11.2.1.Open Loop Gift Card – Transaction Value Trend Analysis, 2018-2027
11.2.2.Closed Loop Gift Card – Transaction Value Trend Analysis, 2018-2027
11.3.Gift Card Market Size and Forecast by Consumer Segments
11.3.1.Gift Card Market Size Trend Analysis by Retail Consumer Segment
11.3.2.Gift Card Market Size Trend Analysis by Corporate Consumer Segment
11.4.Gift Card Market Share Analysis by Retail Categories
11.5.Gift Card Market Share Analysis by Gifting Occasion
11.5.1.Retail Gift Card Market Share Analysis by Gifting Occasion
11.5.2.Corporate Gift Card Market Share Analysis by Gifting Occasion

12.India Entertainment and Gaming Prepaid Card Market Size and Forecast, 2018-2027

13.India Teen and Campus Prepaid Card Market Size and Forecast, 2018-2027
13.1.Teen and Campus Prepaid Card – Transaction Value Trend Analysis, 2018-2027
13.2.Teen and Campus Prepaid Card Market Size and Forecast by Functional Attribute
13.2.1.Open Loop Teen and Campus Prepaid Card – Transaction Value Trend Analysis, 2018-2027
13.2.2.Closed Loop Teen and Campus Prepaid Card – Transaction Value Trend Analysis, 2018-2027

14.India Business and Administrative Expense Prepaid Card Market Size and Forecast, 2018-2027
14.1.Business and Administrative Expense Prepaid Card – Transaction Value Trend Analysis, 2018-2027
14.2.Business and Administrative Expense Prepaid Card Market Size and Forecast by Consumer Segments, 2018-2027
14.2.1.Business and Administrative Expense Prepaid Card Market Size and Forecast – Small Scale Business Segment, 2018-2027
14.2.2.Business and Administrative Expense Prepaid Card Market Size and Forecast – Mid-Tier Business Segment, 2018-2027
14.2.3.Business and Administrative Expense Prepaid Card Market Size and Forecast – Enterprise Business Segment, 2018-2027
14.2.4.Business and Administrative Expense Prepaid Card Market Size and Forecast – Government Segment, 2018-2027

15.India Payroll Prepaid Card Market Size and Forecast, 2018-2027
15.1.Payroll Prepaid Card – Transaction Value Trend Analysis, 2018-2027
15.2.Payroll Prepaid Card Market Size and Forecast by Consumer Segments, 2018-2027
15.2.1.Payroll Prepaid Card Market Size and Forecast – Small Scale Business Segment, 2018-2027
15.2.2.Payroll Prepaid Card Market Size and Forecast – Mid-Tier Business Segment, 2018-2027
15.2.3.Payroll Prepaid Card Market Size and Forecast – Enterprise Business Segment, 2018-2027
15.2.4.Payroll Prepaid Card Market Size and Forecast – Government Segment, 2018-2027

16.India Meal Prepaid Card Market Size and Forecast, 2018-2027
16.1.Meal Prepaid Card – Transaction Value Trend Analysis, 2018-2027
16.2.Meal Prepaid Card Market Size and Forecast by Consumer Segments, 2018-2027
16.2.1.Meal Prepaid Card Market Size and Forecast – Small Scale Business Segment, 2018-2027
16.2.2.Meal Prepaid Card Market Size and Forecast – Mid-Tier Business Segment, 2018-2027
16.2.3.Meal Prepaid Card Market Size and Forecast – Enterprise Business Segment, 2018-2027
16.2.4.Meal Prepaid Card Market Size and Forecast – Government Segment, 2018-2027

17.India Travel Forex Prepaid Card Market Size and Forecast, 2018-2027
17.1.Travel Forex Prepaid Card – Transaction Value Trend Analysis, 2018-2027
17.2.Travel Forex Prepaid Card Market Size and Forecast by Consumer Segments, 2018-2027
17.2.1.Travel Forex Prepaid Card Market Size and Forecast – Retail, 2018-2027
17.2.2.Travel Forex Prepaid Card Market Size and Forecast – Small Scale Business Segment, 2018-2027
17.2.3.Travel Forex Prepaid Card Market Size and Forecast – Mid-Tier Business Segment, 2018-2027
17.2.4.Travel Forex Prepaid Card Market Size and Forecast – Enterprise Business Segment, 2018-2027
17.2.5.Travel Forex Prepaid Card Market Size and Forecast – Government Segment, 2018-2027

18.India Transit and Tolls Prepaid Card Market Size and Forecast, 2018-2027

19.India Healthcare and Wellness Prepaid Card Market Size and Forecast, 2018-2027

20.India Social Security and Other Government Benefit Programs Prepaid Card Market Size and Forecast, 2018-2027

21.India Fuel Prepaid Cards Market Size and Forecast, 2018-2027

22.India Utilities, and Other Prepaid Cards Market Size and Forecast, 2018-2027

23.Further Reading
23.1.About PayNXT360
23.2.Related Research

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図表リスト

Table 1: India Prepaid Payment Instrument – Transaction Value Trend Analysis (US$ Million), 2018-2027
Table 2: India Prepaid Payment Instrument – Transaction Volume Trend Analysis (Million), 2018-2027
Table 3: India Prepaid Payment Instrument – Average Value per Transaction, 2018-2027
Table 4: India Prepaid Card – Market Share Analysis by Prepaid Card vs. Digital Wallet, 2018-2027
Table 5: India Digital Wallet – Transaction Value Trend Analysis (US$ Million), 2018-2027
Table 6: India Digital Wallet – Transaction Volume Trend Analysis (Million), 2018-2027
Table 7: India Digital Wallet – Average Value per Transaction, 2018-2027
Table 8: Retail Payments – Transaction Value Trend Analysis (US$ Million), 2018-2027
Table 9: Retail Payments – Transaction Volume Trend Analysis (Million), 2018-2027
Table 10: Retail Payments – Average Value per Transaction, 2018-2027
Table 11: Travel Payments – Transaction Value Trend Analysis (US$ Million), 2018-2027
Table 12: Travel Payments – Transaction Volume Trend Analysis (Million), 2018-2027
Table 13: Travel Payments – Average Value per Transaction, 2018-2027
Table 14: Restaurants & Bars payments – Transaction Value Trend Analysis (US$ Million), 2018-2027
Table 15: Restaurants & Bars payments – Transaction Volume Trend Analysis (Million), 2018-2027
Table 16: Restaurants & Bars payments – Average Value per Transaction, 2018-2027
Table 17: Entertainment, Gaming, & Event Payments – Transaction Value Trend Analysis (US$ Million), 2018-2027
Table 18: Entertainment, Gaming, & Event Payments – Transaction Volume Trend Analysis (Million), 2018-2027
Table 19: Entertainment, Gaming, & Event Payments – Average Value per Transaction, 2018-2027
Table 20: Recharge and Bill Payments – Transaction Value Trend Analysis (US$ Million), 2018-2027
Table 21: Recharge and Bill Payments – Transaction Volume Trend Analysis (Million), 2018-2027
Table 22: Recharge and Bill Payments – Average Value per Transaction, 2018-2027
Table 24: India Prepaid Card – Transaction Value Trend Analysis (US$ Million), 2018-2027
Table 25: India Prepaid Card – Transaction Volume Trend Analysis (Million), 2018-2027
Table 26: India Prepaid Card – Average Value per Transaction, 2018-2027
Table 27: India Prepaid Card – Number of Cards, 2018-2027
Table 28: India Prepaid Card – Market Share Analysis (Value) by Open Loop vs. Closed Loop, 2018-2027
Table 29: India Open Loop Prepaid Card – Transaction Value Trend Analysis (US$ Million), 2018-2027
Table 30: India Open Loop Prepaid Card – Transaction Volume Trend Analysis (Million), 2018-2027
Table 31: India Open Loop Prepaid Card – Average Value per Transaction, 2018-2027
Table 32: India Open Loop Prepaid Card – Number of Cards, 2018-2027
Table 33: India Closed Loop Prepaid Card – Transaction Value Trend Analysis (US$ Million), 2018-2027
Table 34: India Closed Loop Prepaid Card – Transaction Volume Trend Analysis (Million), 2018-2027
Table 35: India Closed Loop Prepaid Card – Average Value per Transaction, 2018-2027
Table 36: India Closed Loop Prepaid Card – Number of Cards, 2018-2027
Table 37: India General Purpose Prepaid Card – Transaction Value Trend Analysis (US$ Million), 2018-2027
Table 38: India General Purpose Prepaid Card – Market Size and Forecast by Unbanked / Underbanked Consumer Segment (US$ Million), 2018-2027
Table 39: India General Purpose Prepaid Card – Market Size and Forecast by Banked Consumer Segment (US$ Million), 2018-2027
Table 40: India Gift Card – Transaction Value Trend Analysis (US$ Million), 2018-2027
Table 41: India Open Loop Gift Card – Transaction Value Trend Analysis (US$ Million), 2018-2027
Table 42: India Closed Loop Gift Card – Transaction Value Trend Analysis (US$ Million), 2018-2027
Table 43: India Prepaid Gift Card – Market Size and Forecast by Retail Consumer Segment (US$ Million), 2018-2027
Table 44: India Gift Card – Market Size and Forecast by Corporate Consumer Segment (US$ Million), 2018-2027
Table 45: India Entertainment and Gaming Prepaid Card – Transaction Value Trend Analysis (US$ Million), 2018-2027
Table 46: India Teen and Campus Prepaid Card – Transaction Value Trend Analysis (US$ Million), 2018-2027
Table 47: India Open Loop Teen and Campus Prepaid Card – Transaction Value Trend Analysis (US$ Million), 2018-2027
Table 48: India Closed Loop Teen and Campus Prepaid Card – Transaction Value Trend Analysis (US$ Million), 2018-2027
Table 49: India Business and Administrative Expense Prepaid Card – Transaction Value Trend Analysis (US$ Million), 2018-2027
Table 50: India Business and Administrative Expense Prepaid Card – Market Size and Forecast by Small Scale Business Consumer Segment (US$ Million), 2018-2027
Table 51: India Business and Administrative Expense Prepaid Card – Market Size and Forecast by Mid-Tier Business Consumer Segment (US$ Million), 2018-2027
Table 52: India Business and Administrative Expense Prepaid Card – Market Size and Forecast by Enterprise Business Consumer Segment (US$ Million), 2018-2027
Table 53: India Business and Administrative Expense Prepaid Card – Market Size and Forecast by Government Segment (US$ Million), 2018-2027
Table 54: India Payroll Prepaid Card – Transaction Value Trend Analysis (US$ Million), 2018-2027
Table 55: India Payroll Prepaid Card – Market Size and Forecast by Small Scale Business Consumer Segment (US$ Million), 2018-2027
Table 56: India Payroll Prepaid Card – Market Size and Forecast by Mid-Tier Business Consumer Segment (US$ Million), 2018-2027
Table 57: India Payroll Prepaid Card – Market Size and Forecast by Enterprise Business Consumer Segment (US$ Million), 2018-2027
Table 58: India Payroll Prepaid Card – Market Size and Forecast by Government Segment (US$ Million), 2018-2027
Table 59: India Meal Prepaid Card – Transaction Value Trend Analysis (US$ Million), 2018-2027
Table 60: India Meal Prepaid Card – Market Size and Forecast by Small Scale Business Consumer Segment (US$ Million), 2018-2027
Table 61: India Meal Prepaid Card – Market Size and Forecast by Mid-Tier Business Consumer Segment (US$ Million), 2018-2027
Table 62: India Meal Prepaid Card – Market Size and Forecast by Enterprise Business Consumer Segment (US$ Million), 2018-2027
Table 63: India Meal Prepaid Card – Market Size and Forecast by Government Segment (US$ Million), 2018-2027
Table 64: India Travel Forex Prepaid Card – Transaction Value Trend Analysis (US$ Million), 2018-2027
Table 65: India Travel Forex Prepaid Card – Market Size and Forecast by Retail Consumer Segment (US$ Million), 2018-2027
Table 66: India Travel Forex Prepaid Card – Market Size and Forecast by Small Scale Business Consumer Segment (US$ Million), 2018-2027
Table 67: India Travel Forex Prepaid Card – Market Size and Forecast by Mid-Tier Business Consumer Segment (US$ Million), 2018-2027
Table 68: India Travel Forex Prepaid Card – Market Size and Forecast by Enterprise Business Consumer Segment (US$ Million), 2018-2027
Table 69: India Travel Forex Prepaid Card – Market Size and Forecast by Government Segment (US$ Million), 2018-2027
Table 70: India Transit and Tolls Prepaid Card – Transaction Value Trend Analysis (US$ Million), 2018-2027
Table 71: India Healthcare and Wellness Prepaid Card – Transaction Value Trend Analysis (US$ Million), 2018-2027
Table 72: India Social Security and Other Government Benefit Programs Prepaid Card – Transaction Value Trend Analysis (US$ Million), 2018-2027
Table 73: India Fuel Prepaid Cards – Transaction Value Trend Analysis (US$ Million), 2018-2027
Table 74: India Utilities, and Other Prepaid Cards – Transaction Value Trend Analysis (US$ Million), 2018-2027

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Table of Contents
List of Tables/Graphs

Summary

According to PayNXT360, the prepaid card market (value terms) in India increased at a CAGR of 18.4% during 2018-2022. Over the forecast period of 2023 to 2027, the market is expected to record a CAGR of 29.7%, increasing from US$35.69 billion in 2022 to reach US$134.59 billion by 2027.

The robust digital payments infrastructure, coupled with a high smartphone and internet penetration rate, has driven the prepaid card market in India. Government policies, the flourishing fintech sector, and the global pandemic outbreak has assisted industry growth in unprecedented ways. In H2 2022, the country recorded over 40 billion digital transactions.
The Unified Payments Interface (UPI) transaction volume and value have grown significantly year over year in Q3 2022. Mobile payment instruments, such as PhonePe, Google Pay, and Paytm, are leading the UPI transaction value and volume in the country.

The swift adoption of digital payments can be seen with each passing quarter in India, and the trend is expected to further continue from the short to medium-term perspective. Over the next three to four years, the growth in online shopping is expected to further accelerate the growth of the prepaid card market in India.

PhonePe and Google Pay stand to gain from the extension of the market share cap deadline to December 2024

To address the risks and protect the UPI ecosystem in India, the National Payments Corporation of India (NPCI) announced the market cap rules, thereby limiting any single prepaid payments instrument provider to process over 30% of UPI transactions in a month. However, taking into account the present usage and the potential future of UPI, NPCI has deferred the implementation of the market cap several times. In December 2022, NPCI again extended the market share cap deadline to December 2024.

• Both PhonePe and Google Pay stand to gain significantly from this announcement by NPCI. The two mobile payment instrument providers hold 85% of the total UPI market share in India, even at a time when more than a dozen players are competing in the space. The extension of the deadline is a loss for rivals like Paytm, who were hoping that the NPCI will introduce checks on the growth achieved by some players in the segment.

For PhonePe to comply with the 30% market cap, the firm would have had to deny services to tens of millions of users. This would mean a step back for India's digital payment ecosystem which has been growing significantly over the last few years. Consequently, the NPCI has extended the deadline, thereby providing other players to invest and develop a robust infrastructure that can assist them in growing their market share.

Tokenization can accelerate the digital payments adoption and prepaid card market growth in India

India already has a robust digital payments infrastructure, which has played a pivotal role in the growth of the prepaid card market over the last three to four years. The prepaid card industry is projected to further growth, as India is poised to gain significantly from the proliferation of tokenization.

• Tokenization offers two key benefits, including payment security and an enhanced checkout experience. With the tokens flowing through the payment systems without disclosing sensitive customer data or allowing payment aggregators or merchants to store customer data, consumers are better secured. As a result, more and more consumers are projected to adopt digital payments from the short to medium-term perspective in India.

With the country implementing tokenization at scale and speed, it can unlock positive and smooth payment experiences, thereby driving the next phase of digital payments adoption in India.

Global fintech firms are entering the Indian market with their prepaid card offering to tap into the lucrative SME segment

Small and medium-sized enterprises (SMEs) are seen as the backbone of the Indian economy, offering vital services, jobs, and growth. It is also the sector that offers a vast untapped growth opportunity. Targeting the segment, global fintech firms are entering the country with their prepaid card services. For instance,

• In December 2022, Tide, the United Kingdom-based SME-focused fintech firm, announced that the firm is foraying into the Indian market with the launch of two business banking solutions. These include Tide Business Account and RuPay-powered Tide Expense Card. The fintech firm sees India as a £100 million opportunity. Over the last two years, it is planning to onboard more than half a million SMEs onto its platform.

Businesses can use the Tide prepaid card solution to withdraw cash, make e-commerce purchases, and other payments. With the growing digitalization among Indian SMEs, B2B prepaid card industry is poised to record strong growth over the next three to four years.

This report provides a detailed data centric analysis of prepaid payment instruments, covering spend through prepaid cards and digital wallets across retail and corporate consumer segments. In addition, it provides a snapshot of consumer behaviour and retail spend dynamics in India. With over 100 KPIs at country level, this report provides comprehensive understanding of prepaid card and digital wallet card market dynamics.

• Market dynamics: Provides a comprehensive view on size and structure, industry dynamics, market trends, consumer attitude and behaviour, and competitive landscape in prepaid card and digital wallet industry in India.

• Digital wallet segments: Provides value, volume and average value per transaction across 5 key spend categories in digital wallet. This includes retail, travel, entertainment and gaming, restaurant, and recharge and bill payment.

• Open loop and closed loop prepaid cards: market estimates and forecasts to assess opportunities 13 open loop and closed loop prepaid market segments. Details four essential KPIs – number of cards in circulation, number of transactions, load value, and value of transactions.

• Consumer attitude and behaviour: Drawing from proprietary survey results, this report identifies and interprets key prepaid KPIs, including spend by age, gender, and income level.

• Retail spend: Breaks down retail spend across 11 categories to provide detailed insights on consumer behaviour and changing dynamics of prepaid card spend.

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