2016年-数据局_Worldpay：2015年全球支付报告_89页_5mb

Global Payments Report Summary (November 2015)

Core Content Overview

This 2015 Global Payments report provides an in-depth analysis of online payment methods and trends across 30 countries. It highlights the importance of understanding regional payment preferences and outlines the expected evolution of the global payments landscape, particularly the rise of alternative payment methods (APMs).

Main Payment Methods and Definitions

Key Trends and Insights

• Global eCommerce Growth:

  • Expected to reach US$2.4 trillion in 2015, up 14% from 2014.
  • By 2019, 23% of this growth is expected to come from mobile devices.

• Alternative Payments (APMs) Growth:

  • APMs are expected to account for 55% of global eCommerce turnover by 2019.
  • In 2014, APMs made up 28% of global eCommerce turnover, rising to 35% by 2019.
  • The growth of APMs is attributed to the expansion of eWallets and the rise of culturally relevant payment methods.

• Regional Payment Trends:

  • North America: APMs are expected to grow from 28% to 35% of the market by 2019.
  • EMEA: APMs will increase from 25% to 29%.
  • Latin America: APMs will rise from 58% to 63%.
  • Asia Pacific: APMs are expected to grow from 21.7% to 27.6%.

• Cash on Delivery (COD):

  • Despite predictions of decline, COD is expected to remain at 7% of global eCommerce payments by 2019.
  • In Taiwan, COD makes up 19% of payments, showing strong cultural preference.
  • Merchants should consider partnering with local COD agents when entering markets where COD is popular.

• Mobile Evolution:

  • Global mobile penetration increased by 39% since 2009, leading to a significant shift in payment behavior.
  • In emerging markets like India, Turkey, Mexico, Russia, and South Africa, feature phones are still the dominant device, influencing a different user experience.

• eWallets:

  • eWallets are becoming the dominant payment method in many regions.
  • In Australia, eWallets are the most popular, with 21% of payments in 2019.
  • In Belgium, Bancontact is the second most popular payment method, with over 80% of online merchants accepting it.

Key Insights and Market Outlook

• China's eCommerce Landscape:

  • Alipay is the most popular payment method.
  • UnionPay is improving international acceptance through partnerships and exclusive privileges.
  • The rise of the middle class and changing consumption habits are key drivers of growth.

• Adaptation and Innovation:

  • Payment methods must adapt to consumer preferences, especially among younger, more tech-savvy users.
  • Examples include JCB's efforts to increase international merchant coverage and Malaysia's shift towards bank transfers and eWallets.

• Future of eWallets:

  • eWallets are expected to overtake credit cards by 2019.
  • Companies like Apple, Samsung, and Google are entering the eWallet space, offering a more integrated and personalized shopping experience.

Market Guides

• Australia:

  • High Internet penetration and a large eWallet user base.
  • Expected to shift from card payments to APMs.
  • eCommerce Growth: US$42 billion in 2015, projected to reach US$67 billion by 2019.

• Belgium:

  • One of the fastest-growing eCommerce markets.
  • Bancontact is second to cards in popularity.
  • eCommerce Growth: US$6 billion in 2015, projected to reach US$12 billion by 2019.

• Brazil:

  • Large population and significant eCommerce market.
  • Boleto Bancário is a popular payment method.
  • Expected to grow steadily due to regulatory changes and new technologies.

Conclusion

The global payments landscape is evolving rapidly, with APMs becoming increasingly dominant. Merchants must adapt to regional preferences, understand cultural nuances, and invest in secure, convenient, and scalable payment solutions. eWallets, particularly in Asia and Europe, are set to play a crucial role in this transformation, driven by innovation and consumer demand.