2021年全球支付报告.pdf

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1、2021年全球支付报告随着电子商务的兴起，数字钱包蓬勃发展2020年全球电子商务增长加速，交易额达到4.6万亿美元，比2019年增长了 19%o2020年数字钱包占电子商务交易量的44.5%,比2019年增长6.5%O中国消费者在数字钱包方面领先，占电子商务交易量的72.1%O美国数字/移动钱包普及率落后于全球平均水平，数字钱包占仅电子商务交易的29.8%,比2019年增长了23.7%O预 计 到2024年，数字钱包将占全球电子商务支付量的51.7%,信 用 卡（20.8%）和借记卡（12%）的份额略有下降。在POS萎缩之际，现金仓促撤退销售点最直接地感受到新冠的影响，2020年全球交易量比2

2、019年下降4.4%,预计全球经济复苏将发生在18-24个月内。2022全球交易量增长率将达到6.5%,然后在2023年和2024年分别增长3.3%和3.5%o新冠大流行使现金的减少速度加快了三年多，超过了 2020年的预测。2020年，现金占全球销售点交易量的20.5%,比2019 年减少了 32.1%。移动钱包填补了现金的空缺，比2019年增长19.5%,占2020年销售点交易的25.7%o在欧洲、拉丁美洲和I北美，信用卡（22.4%）和借记卡（22.3%）占销售点支付的大部分，而在亚太地区和中东和非洲的使用相对较少。展望2024年，预计现金使用量将比2020年再减少38%,仅占全球销售点

3、交易量的12.7%o预计到2024年，移动钱包将比2020年再增加30%,占全球销售点交易量的33.4%O2020 changed our world and how we interact within it more than any other ycrecent history.For the first time,no matter where we were,we experienced stogether.Weve experienced emotional lows and hoped for our future.Weveto alter our daily habits an

4、d adjust future engagements.Weve learned abouttechnology and services that help us deal with being at home more often.WeYe connected by more than just commerce.Were connectedby a shared experience.That has inevitably altered our connectionsto commerce.As businesses began to reopen and we learned how

5、 to navigatethe world amidst the pandemic,it became clear that rebuildingeconomies was essential.Doing it the right way will allow for smarterexperiences and smarter interactions.Thafs the foundation of The 2021 Global Payments Report byWorldpay from FIS.Well explore how 2020 catapulted payments yea

6、rs ahead of wherethey were projected to be and well dive into what commerce willlook like post pandemic.Beyond just payments,well highlight thenewest modem currency and considerations for entering differentmarkets.Youll get the smarter insights you need to build a trueomnichannel experience.We*ve se

7、en the rapid change that can occur in a digital worid.Payment options are frequently evolving and competition overpayment market share continues to increase.Well help you createsmarter customer experiences by helping you understand whichpayment methods are popular and which new ones are on the rise.

8、Rebuilding our economies and businesses lies with all of us.It startswith understanding where change occurred and applying those insightsto create the smarter checkout experiences consumers have come toexpect.While there wasnt a guidebook for navigating a pandemic,wecan give you a solid,smarter paym

9、ents roadmap to the future.Lets start by rebuilding businesses and rethinking smarterabout commerce.irtervConsumer payment preferences vary considerably around the world,reflecting an infinite diversity of historical,technical,cultural,economic andregulatory factors.Attemative payment methods like d

10、igital wallets and banktransfers are now in the mainstream,if notin the outright majority,and legacymethods like credit cards and cash continue to decline.increase from 201penetration by all8%in 2019 t o i0%Widespread disruptions created a profound shift in commerce and payments,accelerating the ado

11、ption of digital wallets in e-commerce while hastening thedecline of cash at the point of sale.Digital wallets thrive as e-commerce surgesE-commerce exploded in 2020 to post the highest growth rate in five yearsas home-bound consumers sought alternatives to shuttered brick-and-mortar stores.Global e

12、-commerce growth accelerated in 2020 despiterecessionary headwinds,posting U.S.$4.6 trillion in transactions,a 19%Digital wallets rere-commerce consvolume in 2020,udigital wallets,ac-where digital/mwallets grew to reover 2019 levels.Digital wallet gaincards,bank transldigital wallets to;2024 with sl

13、ight d(to 12%).By 2024,digital wallets,credit and debit cards will account for84.5%of e-commerce spend.Buy now,pay later(BNPL)continues to earnmarket share,expecting to double from 2.1%in 2020 to 4.2%by 2024.One new component of our 2020 e-commerce analysis is direct debitDirect debit is a form of b

14、ank transfer where a retailer withdraws fundsdirectly from a consumers bank account on a specified date after thepurchase.Most popular in Europe where it earned 4%of share,directdebit was used for 1.2%of global e-commerce payments in 2020.Cash bids a hasty retreat amid POS contractionPoint-of-sale f

15、elt the impact of COVID-19 most directly,with 2020global transaction volume falling 4.4%from 2019.Projections seerecovery from the global recession transaction volumes taking 18-24months,returning to 6.5%global growth rates in 2022,and then 3.3%growth in 2023 and 3.5%in 2024.Disruptions in payment t

16、ypes were as equally dramatic as the reductionsin total volume.COVID-19 is accelerating the pace of cashs declinefaster than even the most bullish projections.The pandemic acceleratedthe decline ofcash by over three years,exceeding in 2020 our previousprojection for 2023.Cash was used for 20.5%of gl

17、obal POS volume in2020,a 32.1%reduction from 2019.Cash transaction values fell steeply around the world in 2020:by 21.9%in North America,33.6%in Europe,34.7%in Latin America and 36.6%in APAC.Cash has fallen to historically low usage around the world,representing only 5.4%of POS transaction volume in

18、 Canada,4.5%inNorway,11.9%in the U.S.and less than 10%in markets as diverse asAustralia,Hong Kong and Sweden.Mobile wallets gained much of cashs share loss at the point of sale,rising 19.5%over 2019 to represent 25.7%of 2020 POS transactions.The pandemic ushered in a wave of interest in contactless

19、paymentmethods,accelerating already growing interest in mobile wallets.Credit cards(22.4%)and debit cards(22.3%)continue to eam majorityshares of POS payments in Europe,Latin America and North America,while seeing comparatively less use in APAC and MEA.A new category in our POS 2020 analysis is POS

20、financing,whichrepresents a mix of legacy and emerging payments that extend consumercredit at the point of sale.This indudes credit offered by retailers,financial institutions,marketplaces and BNPL services.The spectrum ofPOS financing is broadening consumer payment choices while boostingmerchant co

21、nversions.POS financing represents 3.5%of global 2020 POSshare,projected to maintain fairly steady share at 3.3%in 2024.Looking ahead to 2024,we expect the trend away from cash to continueas consumers cement their preferences of more convenient,contactlesspayment methods at the point of sale.While a

22、ccelerating cashs decline,we do not expect a significant cash bounce-back-regardless of COVID-19s ultimate trajectory.We project cash will decline an additional 38%from 2020 to represent just 12.7%of global POS volume by 2024.The loss ofcash will be absorbed by mobile wallets with expectationsthey w

23、ill rise an additional 30%from 2020 to account for 33.4%of globalPOS spend by 2024.Mobile wallets will eam shares in the mid-teensacross all global regions by 2024,led by the outlier of APAC where mobilewallets will achieve majority status,earning 47.9%of POS share by 2024.Though shifting within reg

24、ions,card shares will hold steady through2024 at roughly 50%of global POS transaction values.Global e-com payment methods20202024*Digital/Mobile Wallet44.5%51.7%Credit Card22.8%20.8%Debit Card12.3%12.0%Bank Transfer7.7%5.3%Cash on Delivery3.3%1.7%Charge&Deferred Debit Card3.3%1.6%Buy Now Pay Later2.

25、1%14.2%Direct Debit1.2%1.0%1Pre-Paid Card1.1%10.5%1PostPay0.9%10.5%1PrePay0.4%10.2%1Other0.4%10.4%1Global POS payment methodsDigital/Mobile WalletCredit CardDebit CardCashPOS FinancingPre-Paid CardCharge Card20202024*25 7%22.4%22.8%22.3%22.4%20.5%3.5%3.4%112.7%3.3%!3.2%12.2%12.3%1COVID-19 caused pro

26、found disruptions to commerce throughout Europe.Lockdowns and operating restrictions on physical businesses helpede-commerce volumes surge.Face-to-face businesses bore the heaviesteconomic burdens,striving to survive and thrive even in the face ofrecessionary headwinds and evolving regulations.Payme

27、nt methods accelerated toward digital solutions in 2020.Digital walletsand buy now,pay later(BNPL)services continue to absorb share amid abalanced e-commerce payments landscape from bank transfers,creditcards and debit cards.More significant disruption was seen at the point ofsale,where contactless

28、forms of commerce suddenly rose to prominence toaccelerate the decline of merce.Europbetween 2016 an(survey will sustaiiThough the digitsgreat diversity.T卜and high growth(moderate growthpenetration but hpenetration,lowsEuropean e-comnfrom a low of 7.4,Sustained,diverse e-commerce growthEuropean e-co

29、mmerce continued to grow through the pandemic,asconsumers sought to bridge the gaps created by closures of in-personEuropean paymenlhighest in at least ceommerce paymDigital wallets are now the leading payment method in the five largestEuropean e-commerce markets:France,Germany,Russia,Spain and the

30、U.K.Debit and credit cards both capture nearly 19%of payments fore-commerce in Europe,contending for a second-place ranking ofEuropean payment preferences.Debit cards are the e-com paymentmethod of choice in Belgium,Denmark and Ireland,while credit cardsreign in countries as diverse as Norway and Tu

31、rkey.BNPL is the leadinge-com payment method in Sweden,helping boost the 7.4%share ofregional transaction value for buy now,pay later.Bank transfers represent a robust 13%of regional transactions,sharing strong leadership positions in The Netherlands and Finland.The popularity of bank transfer among

32、 European consumers goesbeyond even the strong direct share of payments,as digital walletslinked to bank accounts continue to gain share.An emerging varianton bank transfers,direct debit is broken out capturing 4%of Europeane-commerce payments,mainly driven by Germany.Looking ahead through 2024,we s

33、ee a market that continues to reflectEuropes diversity,with digital wallets,credit and debit cards,banktransfers and BNPL all earning double-digital share of e-com payments.Digital wallets and BNPL will gain additional share,with digital walletsrising 13.3%to maintain the category lead,approaching 3

34、0%by 2024.The popularity of BNPL will make the largest gains,nearly doubling itsshare by 2024 to account for 13.6%of e-com spend.Advances by digitalwallets and BNPL options will come at the expense of more traditionalpayment methods,with charge cards,cash on delivery and pre-paidservices seeing stea

35、dy declines through 2024.Cash rapidly declines amid POS contractionAs was the case globally,European point-of-sale merchants felt theimpact of COVID-19s economic challenges most directly.2020 POStransaction volume fell 10.2%across the region to U.S.$6.76 trillion.Modest annual growth of 4.2%is forec

36、ast for POS transaction volumethrough 2024.European POS volumes are expected to expandsufficiently to regain 2019 levels during 2022.Europuonline uiand crWequally FCash use declined at the POS in Europe by more than a third(33.6%).The dedine in consumers use of cash represents among the mostdramatic

37、 payment method shifts in modem times.Cash volumes droppedby more than half in France(59.6%)and the U.K.(51.1%).Although stillconsidered a significant drop,Germany saw the least drastic declines,falling only 12.5%tn 2020 to account for 43.5%of POS transaction volume.Though the greatly accelerated pa

38、ce ofcashs decline in 2020 was directlyattributable to the pandemic,our forecasts see additional retreatsindependent of COVID-191s path.Europe will see the use of cash dedining9.9%annually through 2024,when it will represent just 15.4%of POStransaction volume.By 2024,we project cash will capture 15.

39、4%of POSspend in Europe.Denmark,Sweden and Norway are expected to be neartycashless within five years,white above average cash use will persist inGermany,Italy,Spain and Poland.Cards accounted for most European POS payments in 2020,increasinglyof the contactless variety.Cashs loss is translating to

40、wins for cards atthe POS:41%share for debit,11.5%for credit cards,6%for charge cardsand 2.6%for prepaid cards.Our forecast projects debit cards expandingtheir share lead through 2024,reaching 43.9%of POS spend.Mobile wallets are also gaining significant POS share.Contactlessmobile wallets surged ove

41、r 63%in 2020 to capture 7.2%of POS spend.Sustained compound annual growth of 22.9%will see mobile walletsrise to earn 13.9%of POS spend by 2024.New to the 2021GPR is POS financing.Created to property capture andcategorize the full range of instant financing options at the point of sale,POS financing

42、 encompasses BN PL,direct merchant financing and othermarketplace solutions.POS financing represented 4.3%of regional2020 POS volume.Led by Denmark and The Netherlands,POS financingprojects to maintain that share of regional POS spend through 2024.R M R O t t g 2 0 2 1,3 e IVM dth ty h r M H OMI(U f

43、W t to IMQM4V Wpe*”G lo M Rm ene Reports ttro p e.(LMtAJ.DenmarkHorway ibe ncarlwithin fi、Europe e-com payment methods2020202TDigital/Mobile Wallet26.4%s.29.9%Credit Card18.9%19.0%Debit Card18.8%H H i16.1%Bank Transfer13.0%11.1%Buy Now Pay Later7.4%13.6%Charge&Deferred Debit Card4.6%2.2%Direct Debit

44、4.0%3.7%1Cash on Delivery3.3%11.5%1Other1.2%11.1%1Pre-Paid Card1.2%11.0%1PrePay1.1%10.7%1PostPay0.1%10.1%1Europe POS payment methodsDebit CardCashCredit CardDigital/Mobite WalletCharge CardPOS FinancingPre-Paid Card202041.0%27.4%11.5%7.2%6.0%4.3%I2.6%I2024*43.9%15.4%m12.5%13.9%6.6%4.3%I3.5%INumbers

45、adjusted for rounding may impact totals.COVID-19 caused disruptions to commerce across Asia-Pacific(APAC)in2020.It imposed compound shocks to the economy:the direct costs ofpandemic management,substantial costs resulting from lockdowns and othercontainment measures,and reverberations from a recessio

46、n of global scope.Payment method trends accelerated toward digital solutions throughoutAPAC in 2020.As commerce shifted from the point of sale to e-commerce,consumers shifted payment preferences to digital methods.Digital andmobile wallets continued to gain in popularity as consumers turned awayfrom

47、 cash at historic rates.APAC e-commerce:Toda/s window into a global digital futureE-axnmerce is projected to grow 13%annually through 2024.In 2020,APACe-commerce transaction value exceeded U5.$2.4 trillion and is projected toexceed U.S.$3.9 trillion by 2024.Expansion will be driven largely by mobile

48、commerce,growing from 59.3%of regional e-com in 2020 to 64.1%by 2024.Growth in Chinas(projected annual exceed U.S.$3.1 trgrowth rates throtlow of 7.5%in Jap;see e-com growthprojected for thenand Singapore.Digital wallets condigital wallets exc(slightly from 58.491use accounting fordigital wallets ha

49、viIndia(39.7%)and I(24.1%),HongKoniCredit cards maintained a strong second place position with 19.1%of e-com payments,despite falling slightly from 20.1%in 2019.Theyremain the leading payment method in half of the APAC countriesincluded in our report,including dominant positions in Japan(58.2%),Sout

50、h Korea(57.4%)and Sing叩ore(45.3%).Debit card use in APACjumped 38.1%in 2020,rising from 4.2%in 2019 to 5.8%of 2020 e-compayments,with consumers using debit more often to pay for smallervalue purchases due to the pandemic.2024 projections include further increases for digital wallets in APACe-com pay