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세계의 PaaS(Payment as a Service) 시장 보고서(2025년)
Payment as a Service Global Market Report 2025
상품코드 : 1661964
리서치사 : The Business Research Company
발행일 : On Demand Report
페이지 정보 : 영문 200 Pages
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한글목차

세계의 PaaS(Payment as a Service) 시장 규모는 향후 수년간 비약적인 성장이 예상됩니다. 2029년에는 CAGR 23.1%로 성장해 439억 4,000만 달러에 달할 것으로 예상됩니다. 예측기간의 성장은 신흥국 시장의 급성장, 환경의 지속가능성, 실시간 결제, 데이터 프라이버시 대책의 강화, 지속적인 규제의 진전, 개별화된 고객 경험 등에 기인한다고 생각됩니다. 예측기간의 주요 동향으로는 거래의 디지털화, 모바일 기술의 진보, 클라우드 기술의 채용, 파트너십과 제휴, 블록체인과 암호화폐의 통합, 부정 검지용 인공지능 등이 있습니다.

현금없는 거래의 세계 보급은 향후 PaaS(Payment as a Service) 시장의 확대를 견인할 것으로 예측됩니다. 현금없는 거래는 두 개인, 기업, 조직 간의 자동화 또는 온라인 상호 작용을 의미합니다. PaaS(Payment as a Service) 기술 제공업체와 클라우드 기반 플랫폼의 지원을 통해 은행과 신용조합은 상당한 초기 투자 없이 신속하게 결제 기능을 강화하고 현대화할 수 있습니다. 예를 들어 독일에 본부를 둔 유럽연합(EU) 국가의 중앙은행인 유럽중앙은행은 2024년 1월 2023년 상반기 비접촉형 카드 결제 건수가 2022년 대비 24.3% 증가한 209억 건에 이르며 총액은 25.9% 증가한 5,000억 유로(약 5억 5000억 유로)였다고 보고했습니다. 그 결과 세계 현금없는 거래의 보급이 PaaS(Payment as a Service) 시장의 성장을 가속하고 있습니다.

소매 업계 수요 증가는 앞으로 수년간 PaaS(Payment as a Service) 시장의 성장을 이끌 것으로 예상됩니다. 소매 업계는 소비자에게 상품과 서비스를 판매하는 데 중점을 둔 경제 분야를 포함하고 있습니다. 소매 업계의 PaaS(Payment as a Service)는 업무 효율성을 높이고 신속한 통합을 가능하게 하고 보안 향상을 위한 비용 절감을 제공하며 분석 및 보고 도구를 제공합니다. 예를 들어 미국 인구통계·경제 데이터의 공식 웹사이트인 census.gov에 따르면 2023년 9월 소매업 매출은 2023년 7월 대비 0.6% 증가, 2022년 대비 1.6% 증가했습니다. 따라서 소매 업계 수요 증가는 PaaS(Payment as a Service) 시장의 성장을 가속하고 있습니다.

목차

제1장 주요 요약

제2장 시장 특징

제3장 시장 동향과 전략

제4장 시장 : 금리, 인플레이션, 지정학, 코로나, 회복이 시장에 미치는 영향을 포함한 거시경제 시나리오

제5장 세계의 성장 분석과 전략 분석 프레임워크

제6장 시장 세분화

제7장 지역별·국가별 분석

제8장 아시아태평양 시장

제9장 중국 시장

제10장 인도 시장

제11장 일본 시장

제12장 호주 시장

제13장 인도네시아 시장

제14장 한국 시장

제15장 서유럽 시장

제16장 영국 시장

제17장 독일 시장

제18장 프랑스 시장

제19장 이탈리아 시장

제20장 스페인 시장

제21장 동유럽 시장

제22장 러시아 시장

제23장 북미 시장

제24장 미국 시장

제25장 캐나다 시장

제26장 남미 시장

제27장 브라질 시장

제28장 중동 시장

제29장 아프리카 시장

제30장 경쟁 구도와 기업 프로파일

제31장 기타 주요 기업 및 혁신 기업

제32장 세계 시장 경쟁 벤치마킹과 대시보드

제33장 주요 인수합병(M&A)

제34장 최근 시장 동향

제35장 시장의 잠재력이 높은 국가, 부문, 전략

제36장 부록

JHS
영문 목차

영문목차

Payments as a Service (PaaS) denotes a service platform facilitating quick and effortless provision of payment options and revenue generation opportunities. This platform empowers banks, payment providers, and financial institutions to deliver advanced payment services to their customers without the need for resource-intensive internal development investments.

The primary offerings within Payment as a Service encompass professional services and managed services. Professional services refer to intangible products or services extended by individuals or companies to assist customers in managing or enhancing specific aspects of their businesses. These services incorporate platform and service components, utilized across industries such as retail, hospitality, media and entertainment, healthcare, banking, financial services, insurance (BFSI), and various other sectors.

The payment as a service market research report is one of a series of new reports from The Business Research Company that provides payment as a service market statistics, including payment as a service industry global market size, regional shares, competitors with a payment as a service market share, detailed payment as a service market segments, market trends and opportunities, and any further data you may need to thrive in the payment as a service industry. This payment as a service market research report delivers a complete perspective of everything you need, with an in-depth analysis of the current and future scenario of the industry.

The payment as a service market size has grown rapidly in recent years. It will grow from $16.1 billion in 2024 to $19.11 billion in 2025 at a compound annual growth rate (CAGR) of 18.7%. The growth in the historic period can be attributed to regulatory changes, consumer preferences, cost efficiency, security concerns, API economy.

The payment as a service market size is expected to see exponential growth in the next few years. It will grow to $43.94 billion in 2029 at a compound annual growth rate (CAGR) of 23.1%. The growth in the forecast period can be attributed to rapid growth in emerging markets, environmental sustainability, real-time payments, enhanced data privacy measures, continued regulatory developments, personalized customer experiences. Major trends in the forecast period include digitalization of transactions, mobile technology advancements, cloud technology adoption, partnerships and collaborations, blockchain and cryptocurrency integration, artificial intelligence in fraud detection.

The growing adoption of cashless transactions globally is anticipated to drive the expansion of the payment as a service market in the future. A cashless transaction refers to an automated or online exchange between two individuals, companies, or organizations. With the assistance of payment as a service (PaaS) technology providers and cloud-based platforms, banks and credit unions can swiftly enhance and modernize their payment capabilities without requiring a substantial initial investment. For example, in January 2024, the European Central Bank, the central bank for the European Union countries based in Germany, reported that the number of contactless card payments in the first half of 2023 rose by 24.3%, reaching 20.9 billion compared to 2022, with the total value increasing by 25.9% to €0.5 trillion ($545.27 billion). Consequently, the rising adoption of cashless transactions worldwide is fueling the growth of the payment as a service market.

The growing demand in the retail sector is expected to drive the growth of the payment as a service market in the coming years. The retail industry encompasses the segment of the economy focused on selling goods and services to consumers. Payment as a Service within the retail sector enhances operational efficiency, enables quick integration, offers cost savings for improved security, and provides analytics and reporting tools. For instance, in September 2023, according to census.gov, the official U.S. website for demographic and economic data, retail trade sales rose by 0.6% from July 2023 and by 1.6% from 2022. Therefore, the increasing demand in the retail industry is propelling the growth of the payment as a service market.

Technological advancements are a significant trend gaining traction in the payment-as-a-service market. Key players in this sector are concentrating on developing new technological solutions to enhance their competitive edge. For example, in May 2022, Stripe, a financial services and software company based in Ireland, introduced Stripe Financial Connections, a novel payment-as-a-service (PaaS) feature that enables businesses to securely link directly with customers' bank accounts. This tool allows companies to verify bank account balances in real time, facilitating direct payments for customers and minimizing payment failures. Through this innovative solution, Stripe aims to improve payment success rates and optimize the customer experience by utilizing advanced algorithms and data insights.

Leading companies in the payment-as-a-service market are prioritizing innovative products, such as comprehensive suites of payment solutions, to boost their revenues. A comprehensive suite of payment solutions encompasses a full range of services and tools designed to streamline various payment processes for businesses and consumers. For instance, in September 2022, Fidelity Group, a US-based company specializing in payment solutions, launched its Payments-as-a-Service offering, which features a comprehensive suite of payment solutions tailored for small and medium-sized enterprises (SMEs) in the UK. This service includes payment software solutions, credit card terminals, online payment gateways, EPOS, and e-commerce services. A distinctive aspect of this offering is its collaboration with Modern World Business Solutions, which enhances the platform's capabilities and delivers a fully managed merchant payment environment.

In March 2022, Stripe, a financial services company based in Ireland, acquired BBPOS for an undisclosed amount. This acquisition is intended to enhance Stripe's capability to deliver seamless payment processing. By acquiring BBPOS, Stripe gained access to the company's extensive point-of-sale (POS) expertise, thereby boosting its capabilities in cashless and in-store transactions. BBPOS is a Hong Kong-based solution provider in the payment transaction industry, specializing in the development of systems and services.

Major companies operating in the payment as a service market are Aurus Inc., Total System Services Inc., Ingenico Group SA, Paystand Inc., Mindgate Solutions Private Limited, VoPay International Inc., Agile Payments LLC, Route Mobile Limited, Arcus Financial Intelligence Inc., ACE Software Solutions Inc., StyloPAY Inc., FacilitaPay LLC, PaySky Holding SAL, International Business Machines Corporation., Radar Payments B.V., First Data Corporation, Paysafe Group Limited, Verifone Inc., Alpha Fintech Inc., First American Payment Systems LLC, Pineapple Payments LLC, PPRO Financial Ltd., Valitor hf., Fidelity National Information Services Inc., Helcim Inc., RAMP Holdings Inc., Jeeves Information Systems AB, Revolut Ltd., Ravelin Technology Limited

North America was the largest region in the payment as a service market in 2024. Asia-Pacific is expected to be the fastest-growing region in the forecast period. The regions covered in the payment as a service market report are Asia-Pacific, Western Europe, Eastern Europe, North America, South America, Middle East, Africa.

The countries covered in the payment as a service market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Russia, South Korea, UK, USA, Canada, Italy, Spain.

The payments as a Service (PaaS) market includes revenues earned by entities by providing payment services such as merchant onboarding, settlement of transactions, fraud management, dashboard reporting, and reconciliation. The market value includes the value of related goods sold by the service provider or included within the service offering. Only goods and services traded between entities or sold to end consumers are included.

The market value is defined as the revenues that enterprises gain from the sale of goods and/or services within the specified market and geography through sales, grants, or donations in terms of the currency (in USD, unless otherwise specified).

The revenues for a specified geography are consumption values that are revenues generated by organizations in the specified geography within the market, irrespective of where they are produced. It does not include revenues from resales along the supply chain, either further along the supply chain or as part of other products.

Payment as a Service Global Market Report 2025 from The Business Research Company provides strategists, marketers and senior management with the critical information they need to assess the market.

This report focuses on payment as a service market which is experiencing strong growth. The report gives a guide to the trends which will be shaping the market over the next ten years and beyond.

Reasons to Purchase

Where is the largest and fastest growing market for payment as a service ? How does the market relate to the overall economy, demography and other similar markets? What forces will shape the market going forward? The payment as a service market global report from the Business Research Company answers all these questions and many more.

The report covers market characteristics, size and growth, segmentation, regional and country breakdowns, competitive landscape, market shares, trends and strategies for this market. It traces the market's historic and forecast market growth by geography.

The forecasts are made after considering the major factors currently impacting the market. These include the Russia-Ukraine war, rising inflation, higher interest rates, and the legacy of the COVID-19 pandemic.

Scope

Table of Contents

1. Executive Summary

2. Payment as a Service Market Characteristics

3. Payment as a Service Market Trends And Strategies

4. Payment as a Service Market - Macro Economic Scenario Including The Impact Of Interest Rates, Inflation, Geopolitics And Covid And Recovery On The Market

5. Global Payment as a Service Growth Analysis And Strategic Analysis Framework

6. Payment as a Service Market Segmentation

7. Payment as a Service Market Regional And Country Analysis

8. Asia-Pacific Payment as a Service Market

9. China Payment as a Service Market

10. India Payment as a Service Market

11. Japan Payment as a Service Market

12. Australia Payment as a Service Market

13. Indonesia Payment as a Service Market

14. South Korea Payment as a Service Market

15. Western Europe Payment as a Service Market

16. UK Payment as a Service Market

17. Germany Payment as a Service Market

18. France Payment as a Service Market

19. Italy Payment as a Service Market

20. Spain Payment as a Service Market

21. Eastern Europe Payment as a Service Market

22. Russia Payment as a Service Market

23. North America Payment as a Service Market

24. USA Payment as a Service Market

25. Canada Payment as a Service Market

26. South America Payment as a Service Market

27. Brazil Payment as a Service Market

28. Middle East Payment as a Service Market

29. Africa Payment as a Service Market

30. Payment as a Service Market Competitive Landscape And Company Profiles

31. Payment as a Service Market Other Major And Innovative Companies

32. Global Payment as a Service Market Competitive Benchmarking And Dashboard

33. Key Mergers And Acquisitions In The Payment as a Service Market

34. Recent Developments In The Payment as a Service Market

35. Payment as a Service Market High Potential Countries, Segments and Strategies

36. Appendix

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