2017全球支付报告（英文版）_55页_16mb

Summary of the Global Payments Report (November 2017)

Core Content

This report provides an overview of global and regional payment method trends, focusing on the shift from traditional payment methods like credit and debit cards to alternative options such as eWallets, bank transfers, and instalment payments. It also highlights the growing importance of biometric authentication and the role of older consumers (Baby Boomers and Silver Surfers) in shaping the future of the payments market.

Payment Method Trends

Global Payment Methods Breakdown (2016 vs 2021)

• Credit Card: Declined from 29% to 15%
• eWallet: Rose sharply from 18% to 46%
• Bank Transfer: Increased slightly from 17% to 16%
• Debit Card: Decreased from 13% to 8%
• Cash on Delivery: Slightly decreased from 9% to 7%
• Charge & Deferred Debit Card: Declined from 6% to 3%
• Pre-Paid: Remained stable at 3%
• PostPay: Decreased from 2% to 1%
• PrePay: Decreased from 2% to 1%
• Other: Declined from 1% to 0%

Regional Trends

North America

• Credit Card: 47% (2016) to 23% (2021)
• eWallet: 18% to 45%
• Debit Card: 10% to 6%
• Bank Transfer: 7% to 13%
• Charge & Deferred Debit Card: 6% to 6%
• Cash on Delivery: 4% to 3%
• Pre-Paid: 3% to 2%
• PrePay: 2% to 2%
• PostPay: 1% to 0%
• Other: 1% to 0%

Latin America

• Credit Card: 35% (2016) to 27% (2021)
• Bank Transfer: 17% to 21%
• eWallet: 13% to 22%
• Debit Card: 11% to 14%
• Cash on Delivery: 8% to 8%
• Charge & Deferred Debit Card: 7% to 3%
• PostPay: 6% to 3%
• Pre-Paid: 2% to 1%
• PrePay: 2% to 1%

EMEA

• Credit Card: 22% (2016) to 14% (2021)
• Bank Transfer: 19% to 22%
• Debit Card: 18% to 16%
• eWallet: 17% to 26%
• Cash on Delivery: 9% to 8%
• Charge & Deferred Debit Card: 7% to 5%
• Pre-Paid: 3% to 2%
• E-invoices: 2% to 4%
• PrePay: 2% to 3%
• Other: 1% to 0%

Asia Pacific

• Credit Card: 30% (2016) to 10% (2021)
• eWallet: 22% to 51%
• Bank Transfer: 16% to 16%
• Cash on Delivery: 11% to 9%
• Debit Card: Not explicitly mentioned, but likely lower than eWallets
• Charge & Deferred Debit Card: 4% to 1%
• PostPay: 3% to 1%
• PrePay: 2% to 1%
• Other: 1% to 0%

Main Insights

• eWallets are rising: They are becoming the dominant payment method globally, with a significant increase from 18% to 46% in 2016 to 2021.
• Bank Transfers are gaining traction: Especially in regions where financial inclusion is improving, they are becoming a preferred method due to convenience and lower costs.
• Instalment payments are key in Argentina: This method is popular and allows consumers to manage large purchases more easily.
• Biometric authentication is on the rise: It is seen as a more secure and convenient alternative to passwords, with growing adoption in both mobile and desktop environments.
• Older consumers are becoming more active: Baby Boomers and Silver Surfers are increasingly engaging in online shopping, driven by convenience and greater access to digital tools.
• Credit Cards are losing ground: Particularly in regions like Argentina and Brazil, where alternative payment methods are more preferred.

Key Market Opportunities

• Argentina:

  • Projected to be the fastest-growing eCommerce market in Latin America, with a 24% annual growth rate.
  • High internet penetration (80.1%) and mobile usage.
  • Instalment payments are preferred, and mobile wallets are becoming more common.
  • A well-banked population with a growing middle class.

• Brazil:

  • Only 20% of Credit Cards are enabled for international use, which can be a barrier for cross-border eCommerce.
  • Consumers are interested in eCommerce but still prefer Credit Cards and Boletio Bancário.
  • Instalment plans are a major draw for potential sales.

• Canada:

  • Credit Cards remain the dominant payment method.
  • 33% of smartphone users expect to increase mobile payments usage.
  • Developing mobile versions of websites is crucial to capture this growing segment.

• Belgium:

  • High mCommerce penetration, with online spending expected to nearly double in 2017.
  • Traditional payment methods (Credit Cards and PayPal) are preferred.
  • Free shipping is a key differentiator for consumers.

Technology and Security

• Biometric authentication is emerging as a secure and seamless alternative to traditional methods.
• Liveness detection and facial recognition are becoming more common, especially with the rise of mobile and secure payment technologies.
• Security measures must be robust to prevent fraud, as biometric data is harder to change than passwords.

Conclusion

The global payments landscape is evolving rapidly, with eWallets and Bank Transfers gaining prominence over Credit and Debit Cards. Argentina and other Latin American countries are leading the shift due to high internet and mobile penetration, along with a growing middle class. Biometric authentication and the rise of older consumers are also reshaping the market, offering new opportunities for merchants to enhance user experience and security.