2017全球支付报告（英文版）_57页-16mb

Global Payments Report Summary (November 2017)

Core Content Overview

This report provides a comprehensive analysis of global and regional eCommerce payment trends, key insights, and market guides. It outlines the shift in consumer preferences, the rise of alternative payment methods, and the increasing importance of biometric authentication and subscription-based models. The data is sourced from a mix of primary and secondary research, including consumer surveys, B2B research, and data from third-party vendors like GlobalData and Worldpay.

Global Payment Trends

Payment Method Breakdown (2016 vs 2021)

• Credit Card: 29% → 15%
• eWallet: 18% → 46%
• Bank Transfer: 17% → 16%
• Debit Card: 13% → 8%
• Cash on Delivery: 9% → 7%
• Charge & Deferred Debit Card: 6% → 3%
• Pre-Paid: 3% → 3%
• PostPay: 2% → 1%
• PrePay: 2% → 1%
• Other: 1% → 0%

Regional Highlights

North America

• Credit Card: 47% → 23%
• eWallet: 18% → 45%
• Debit Card: 10% → 6%
• Bank Transfer: 7% → 13%
• Charge & Deferred Debit Card: 6% → 6%
• Cash on Delivery: 4% → 3%
• Pre-Paid: 3% → 2%
• PrePay: 2% → 2%
• PostPay: 1% → 0%
• Direct Debit: 1% → 0%

Latin America

• Credit Card: 35% → 27%
• Bank Transfer: 17% → 21%
• eWallet: 13% → 22%
• Debit Card: 11% → 14%
• Cash on Delivery: 8% → 8%
• Charge & Deferred Debit Card: 7% → 3%
• PostPay: 6% → 3%
• Pre-Paid: 2% → 1%
• PrePay: 1% → 1%

EMEA

• Credit Card: 22% → 14%
• Bank Transfer: 19% → 22%
• Debit Card: 18% → 16%
• eWallet: 17% → 26%
• Cash on Delivery: 9% → 8%
• Charge & Deferred Debit Card: 7% → 5%
• Pre-Paid: 3% → 2%
• E-invoices: 2% → 4%
• PrePay: 2% → 3%
• Other: 1% → 0%

Asia Pacific

• Credit Card: 30% → 10%
• eWallet: 22% → 51%
• Bank Transfer: 16% → 16%
• Cash on Delivery: 11% → 9%
• Debit Card: 7% → 7%
• Pre-Paid: 4% → 4%
• Charge & Deferred Debit Card: 4% → 1%
• PostPay: 3% → 1%
• PrePay: 2% → 1%
• Other: 1% → 0%

Key Insights

Argentina

• eCommerce Growth: Argentina is expected to have the fastest-growing eCommerce market in Latin America, with an annualised growth rate of 24% over the next five years.
• Internet Penetration: Argentina has the highest internet penetration rate in the region at 80.1%, and the highest percentage of mobile internet users in Latin America.
• Instalment Payments: Instalment payments are popular, with most consumers preferring plans of 7–12 instalments.
• Market Openness: Political reforms have opened the market to foreign businesses and investors, leading to increased foreign investment and local market expansion.

Biometric Authentication

• Shift from Passwords: Biometric authentication (e.g., fingerprint, facial recognition) is becoming the preferred method for verifying identity.
• Regulatory Drivers: Europe is mandating stronger authentication, requiring two-factor verification, which includes biometric methods.
• Security Concerns: Biometric data is more secure than passwords, but companies must ensure it is not stored or compromised.

Silver Surfers (Baby Boomers)

• Growing Influence: Baby boomers are becoming a major force in the eCommerce market due to increased disposable income and digital literacy.
• Subscription Growth: They are adopting subscription models for convenience, with 92% of millennials and 70% of retirees having active subscriptions.
• Demographic Shift: As populations age, eCommerce merchants must adapt their platforms to cater to this demographic.

Subscription Services

• Convenience Factor: Subscriptions are growing due to consumer demand for convenience and merchants' desire for recurring revenue.
• Market Examples: Companies like Amazon, Netflix, and Spotify have led the way, while others like Birchbox and Eleven James are expanding into subscription-based retail.
• Benefits for Merchants: Subscriptions offer steady income and insights into consumer behavior, enabling better personalization and product development.

Market Guides

Argentina

• Population (2017): 44.3 million
• GDP (2017): US$629 billion
• Internet Users (2017): 78%
• Mobile Subscriptions per Capita: 1.46
• Top Tip: Credit Cards remain the most preferred, but instalment plans are also popular. Offer one-click ordering and popular eWallets like Mercado Pago.

Australia

• Population (2017): 24.5 million
• GDP (2017): US$1.36 trillion
• Internet Users (2017): 87%
• Mobile Subscriptions per Capita: 1.45
• Top Tip: Mobile shoppers prefer one-click ordering and eWallets like PayPal. Ensure payment details are up-to-date to avoid missed revenue.

Belgium

• Population (2017): 11.4 million
• GDP (2017): US$463 billion
• Internet Users (2017): 86%
• Mobile Subscriptions per Capita: 1.17
• Top Tip: Credit Cards and Bank Transfer are preferred. Offer free shipping to differentiate.

Brazil

• Population (2017): 209.5 million
• GDP (2017): US$2.14 trillion
• Internet Users (2017): 65%
• Mobile Subscriptions per Capita: 1.30
• Top Tip: Credit Cards and Boletio Bancário are preferred. Offer instalment plans to maximise sales.

Conclusion

The global eCommerce payment landscape is evolving rapidly, with eWallets leading the growth in popularity. Bank Transfers are also gaining traction due to convenience and lower costs. Biometric authentication is becoming a standard for secure and seamless transactions, especially in Europe. Meanwhile, the rise of subscription-based models is reshaping consumer behavior and merchant strategies. As markets mature, adapting to these trends will be crucial for success.