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한글목차
즉시 결제 시장 규모는 향후 몇 년간 비약적인 성장이 예상됩니다. 2029년 연평균 복합 성장률(CAGR)은 24.1%를 나타내 1,999억 7,000만 달러로 성장할 전망입니다. 예측 기간 동안 예상되는 성장은 현금이 없는 경제에 대한 선호도 증가, 전자상거래 플랫폼과 즉시 결제 통합의 확대, 디지털 결제에 대한 정부의 지원 증가, API 기반 결제 솔루션 채택 확대, 국경을 넘은 즉각적인 거래 수요 증가로 이어집니다. 예측 기간의 주요 동향으로는 실시간 결제 인프라의 진보, 부정 감지 기술의 강화, 국경을 넘은 즉각적인 결제 솔루션의 개발, 모바일 결제 용도의 혁신, API 구동형 결제 플랫폼의 진전 등을 들 수 있습니다.
비접촉형 결제의 이용 확대가 향후 몇 년간의 즉시 결제 시장 확대를 뒷받침할 것으로 예측됩니다. 비접촉식 결제는 근거리 무선 통신(NFC) 또는 RFID(Radio Frequency Identification) 기술을 사용하여 해당 단말기 근처에서 카드나 장치를 탭하여 거래를 완료할 수 있는 빠르고 안전한 방법입니다. 물리적 접촉이나 비밀번호 입력이 필요없는 신속하고 편리한 거래를 요구하는 소비자 수요로 인해이 결제 방법의 채택이 증가하고 있습니다. 즉시 결제은 실시간 자금 이동을 가능하게 함으로써 비접촉 방식을 보완하여 보다 빠르고 부드러운 거래 처리를 실현합니다. 즉시 결제은 디지털 플랫폼에서 안전하고 즉각적인 결제를 제공하여 사용자 경험을 향상시킵니다. 예를 들어, 2024년 7월 영국 금융 서비스 기관인 UK Finance는 2023년에 이 나라가 183억 건의 비접촉 결제를 기록했고 2022년 170억 건에서 7% 증가했다고 보고했습니다. 그 결과 비접촉형 결제의 보급이 즉시 결제 시장 성장에 기여하고 있습니다.
즉시 결제 시장 주요 기업은 거래 속도 향상, 사용자 편의성 향상, 효율적인 디지털 금융 서비스에 대한 수요 증가에 대응하기 위해 실시간 결제와 같은 혁신적인 솔루션 개발을 우선시합니다. 실시간 결제는 몇 초 이내에 이루어지는 즉각적인 자금 이동이며, 즉각적인 확인과 결제를 통해 언제든지 계좌간에 자금을 이동시킬 수 있습니다. 예를 들어, 미국 소프트웨어 회사 ACI 월드 와이드는 2023년 1월 가맹점과 청구자에게 실시간으로 안전한 결제를 제공하는 솔루션인 ACI 인스턴트 페이를 발표했습니다. 이 시스템은 카드 수수료 없이 온라인, 상점 및 모바일에서 즉시 결제를 가능하게 하며, 간단한 API 통합을 통해 사기 위험을 줄일 수 있습니다. 빠르고 안전하며 원활한 결제 옵션을 제공함으로써 가맹점 현금 흐름 개선, 운영 비용 절감, 고객 경험 향상을 지원합니다.
목차
제1장 주요 요약
제2장 시장 특징
제3장 시장 동향과 전략
제4장 시장 : 금리, 인플레이션, 지정학, 무역전쟁과 관세, 그리고 코로나 및 회복이 시장에 미치는 영향을 포함한 거시경제 시나리오
제5장 세계의 성장 분석과 전략 분석 프레임워크
세계의 즉시 결제 : PESTEL 분석(정치, 사회, 기술, 환경, 법적 요인, 성장 촉진요인과 억제요인)
최종 이용 산업의 분석
세계의 즉시 결제 시장 : 성장률 분석
세계의 즉시 결제 시장 실적 : 규모와 성장(2019-2024년)
세계의 즉시 결제 시장 예측 : 규모와 성장(2024-2029년, 2034년)
세계의 즉시 결제 : 전체 시장 규모(TAM)
제6장 시장 세분화
세계의 즉시 결제 시장 : 결제 방법별, 분석과 예측(2019-2024년, 2024-2029년, 2034년)
개인 대 기업(P2B)
기업 간 거래(B2B)
개인 대 개인(P2P)
기타 결제 방법
세계의 즉시 결제 시장 : 구성 요소별, 분석과 예측(2019-2024년, 2024-2029년, 2034년)
솔루션
결제 게이트웨이
결제 처리
보안 및 사기 관리
서비스
세계의 즉시 결제 시장 : 기술별, 분석과 예측(2019-2024년, 2024-2029년, 2034년)
모바일 결제
온라인 송금
비접촉 결제
암호화폐 거래
세계의 즉시 결제 시장 : 배포별, 분석과 예측(2019-2024년, 2024-2029년, 2034년)
클라우드
On-Premise
세계의 즉시 결제 시장 : 최종 이용 산업별, 분석과 예측(2019-2024년, 2024-2029년, 2034년)
소매업 및 전자상거래
은행, 금융서비스 및 보험(BFSI)
정보기술 및 통신
여행 및 관광
정부
헬스케어
에너지 및 유틸리티
기타 최종 이용 산업
세계의 즉시 결제 시장 : 개인 대 기업(P2B) 유형별, 분석과 예측(2019-2024년, 2024-2029년, 2034년)
매장 결제
전자상거래 결제
공과금 및 청구서 결제
세계의 즉시 결제 시장 : 기업 간 거래(B2B) 유형별, 분석과 예측(2019-2024년, 2024-2029년, 2034년)
공급업체 벤더 결제
청구서 결제
급여 결제
세계의 즉시 결제 시장 : 개인 대 개인(P2P) 유형별, 분석과 예측(2019-2024년, 2024-2029년, 2034년)
국내 송금
국제 송금
지갑 간 송금
세계의 즉시 결제 시장 : 기타 결제 방법 유형별, 분석과 예측(2019-2024년, 2024-2029년, 2034년)
보험금 청구 처리
환불 및 보상
사회 복지 급여 지급
제7장 지역별/국가별 분석
세계의 즉시 결제 시장 : 지역별, 분석과 예측(2019-2024년, 2024-2029년, 2034년)
세계의 즉시 결제 시장 : 국가별, 분석과 예측(2019-2024년, 2024-2029년, 2034년)
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
즉시 결제 시장 : 경쟁 구도
즉시 결제 시장 : 기업 프로파일
Visa Inc. : 개요, 제품 및 서비스, 전략 및 재무 분석
PayPal Holdings Inc. : 개요, 제품 및 서비스, 전략 및 재무 분석
Mastercard Incorporated : 개요, 제품 및 서비스, 전략 및 재무 분석
Fiserv Inc. : 개요, 제품 및 서비스, 전략 및 재무 분석
Fidelity National Information Services Inc. : 개요, 제품 및 서비스, 전략 및 재무 분석
제31장 기타 주요 기업 및 혁신 기업
Adyen NV
Nexi SpA
Worldline SA
Klarna Bank AB
Alipay
Revolut Ltd.
Stripe Inc.
ACI Worldwide Inc.
Swift
Paytm
PhonePe Private Limited
Razorpay Software Private Limited
Volante Technologies Inc.
National Payments Corporation of India
Amazon Pay
제32장 세계 시장 경쟁 벤치마킹과 대시보드
제33장 주요 인수합병(M&A)
제34장 최근 시장 동향
제35장 시장의 잠재력이 높은 국가, 부문, 전략
즉시 결제 시장(2029년) : 새로운 기회를 제공하는 국가
즉시 결제 시장(2029년) : 새로운 기회를 제공하는 부문
즉시 결제 시장(2029년) : 성장 전략
시장 동향에 기초한 전략
경쟁 전략
제36장 부록
KTH
영문 목차
영문목차
Instant payments are electronic fund transfers that are processed and settled in real time, usually within seconds, and operate 24/7, including weekends and holidays. These payments ensure the immediate availability of funds to the recipient. The primary goal of instant payments is to enable fast, secure, and efficient financial transactions for individuals, businesses, and governments.
The main types of instant payments include person-to-business, business-to-business, person-to-person, and others. Person-to-business transactions involve individuals making payments to businesses for goods, services, or obligations such as retail purchases, online shopping, and utility bills. The instant payments ecosystem revolves around core components such as solutions, payment gateways, payment processing, security and fraud management, and related services. These transactions employ various technologies including mobile payments, online transfers, contactless payments, and cryptocurrencies, and are deployed through both cloud and on-premise models. Instant payments serve a wide range of industries, including retail and e-commerce, banking, financial services and insurance (BFSI), information technology and telecom, travel and tourism, government, healthcare, energy and utilities, and more.
Note that the outlook for this market is being affected by rapid changes in trade relations and tariffs globally. The report will be updated prior to delivery to reflect the latest status, including revised forecasts and quantified impact analysis. The report's Recommendations and Conclusions sections will be updated to give strategies for entities dealing with the fast-moving international environment.
The rapid escalation of U.S. tariffs and the resulting trade tensions in spring 2025 are significantly impacting the financial sector, particularly in investment strategies and risk management. Heightened tariffs have fueled market volatility, prompting cautious behavior among institutional investors and increasing demand for hedging instruments. Banks and asset managers are facing higher costs associated with cross-border transactions, as tariffs disrupt global supply chains and dampen corporate earnings, key drivers of equity market performance. Insurance companies, meanwhile, are grappling with increased claims risks tied to supply chain disruptions and trade-related business losses. Additionally, reduced consumer spending and weakened export demand are constraining credit growth and investment appetite. The sector must now prioritize diversification, digital transformation, and robust scenario planning to navigate the heightened economic uncertainty and protect profitability.
The instant payments market research report is one of a series of new reports from The Business Research Company that provides instant payments market statistics, including instant payments industry global market size, regional shares, competitors with an instant payments market share, detailed instant payments market segments, market trends and opportunities, and any further data you may need to thrive in the instant payments industry. This report on the instant payments market delivers a complete perspective of everything you need, with an in-depth analysis of the current and future scenario of the industry.
The instant payments market size has grown exponentially in recent years. It will grow from $67.74 billion in 2024 to $84.31 billion in 2025 at a compound annual growth rate (CAGR) of 24.5%. The growth during the historic period can be attributed to increasing smartphone penetration, rising demand for faster transactions, growth in e-commerce activities, greater adoption of digital banking, and an increasing need for real-time fund transfers.
The instant payments market size is expected to see exponential growth in the next few years. It will grow to $199.97 billion in 2029 at a compound annual growth rate (CAGR) of 24.1%. The growth expected in the forecast period is driven by a growing preference for cashless economies, expanding integration of instant payments with e-commerce platforms, rising government support for digital payments, increased adoption of API-based payment solutions, and growing demand for cross-border instant transactions. Key trends in the forecast period include advancements in real-time payment infrastructure, enhanced fraud detection technologies, development of cross-border instant payment solutions, innovations in mobile payment applications, and progress in API-driven payment platforms.
The growing use of contactless payments is expected to support the expansion of the instant payments market in the coming years. Contactless payments are a fast and secure method that allows users to complete transactions by tapping a card or device near a compatible terminal using near field communication (NFC) or radio frequency identification (RFID) technology. The adoption of this payment method is increasing due to consumer demand for quick and convenient transactions that do not require physical contact or PIN entry. Instant payments complement contactless methods by enabling real-time fund transfers, resulting in faster and smoother transaction processing. They enhance user experience by offering secure, immediate payments across digital platforms. For example, in July 2024, UK Finance, a financial services organization based in the UK, reported that in 2023 the country recorded 18.3 billion contactless payments-a 7% increase from 17.0 billion in 2022. As a result, the growing use of contactless payments is contributing to the growth of the instant payments market.
Key players in the instant payments market are prioritizing the development of innovative solutions, such as real-time payments, to improve transaction speed, offer greater user convenience, and address the rising demand for efficient digital financial services. Real-time payments are immediate fund transfers that occur within seconds, allowing money to move between accounts at any time with instant confirmation and settlement. For example, in January 2023, ACI Worldwide, a US-based software firm, introduced ACI Instant Pay, a solution designed to provide real-time, secure payments for merchants and billers. This system allows for instant online, in-store, and mobile payments without card fees, offering instant settlement and reduced fraud risk through easy API integration. It helps merchants improve cash flow, reduce operational costs, and enhance the customer experience by delivering a fast, safe, and seamless payment option.
In January 2024, Worldline S.A., a France-based financial services company, partnered with Commerzbank Aktiengesellschaft. The goal of this partnership is to facilitate instant payments in euros and Swiss francs across multiple European countries by integrating Worldline's scalable payments back-office platform with Commerzbank's infrastructure. Commerzbank Aktiengesellschaft is a Germany-based banking institution that provides instant payment services through SEPA (Single Euro Payments Area) instant credit transfers.
Major players in the instant payments market are Visa Inc., PayPal Holdings Inc., Mastercard Incorporated, Fiserv Inc., Fidelity National Information Services Inc., Adyen N.V., Nexi S.p.A., Worldline SA, Klarna Bank AB, Alipay, Revolut Ltd., Stripe Inc., ACI Worldwide Inc., Swift, Paytm, PhonePe Private Limited, Razorpay Software Private Limited, Volante Technologies Inc., National Payments Corporation of India, Amazon Pay, The Clearing House Payments Company L.L.C., NACHA, Zelle, Google Pay.
Asia-pacific was the largest region in the instant payments market in 2024. The regions covered in instant payments report are Asia-Pacific, Western Europe, Eastern Europe, North America, South America, Middle East and Africa.
The countries covered in the instant payments market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Russia, South Korea, UK, USA, Canada, Italy, Spain.
The instant payments market consists of revenues earned by entities by providing services such as real-time fund transfers, peer-to-peer (P2P) payment solutions, payment gateway integration, fraud detection and prevention, clearing and settlement services, and digital wallet support. The market value includes the value of related goods sold by the service provider or included within the service offering. The instant payments market also includes sales of software platforms, mobile applications, point-of-sale (POS) systems, payment terminals, cloud-based payment solutions, and application programming interfaces (APIs) that enable real-time transaction processing. Values in this market are 'factory gate' values; that is, the value of goods sold by the manufacturers or creators of the goods, whether to other entities (including downstream manufacturers, wholesalers, distributors, and retailers) or directly to end customers. The value of goods in this market includes related services sold by the creators of the goods.
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.
Instant Payments 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 instant payments 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
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Assess the impact of key macro factors such as geopolitical conflicts, trade policies and tariffs, post-pandemic supply chain realignment, inflation and interest rate fluctuations, and evolving regulatory landscapes.
Create regional and country strategies on the basis of local data and analysis.
Identify growth segments for investment.
Outperform competitors using forecast data and the drivers and trends shaping the market.
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Benchmark performance against key competitors.
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Report will be updated with the latest data and delivered to you within 2-3 working days of order along with an Excel data sheet for easy data extraction and analysis.
All data from the report will also be delivered in an excel dashboard format.
Where is the largest and fastest growing market for instant payments ? How does the market relate to the overall economy, demography and other similar markets? What forces will shape the market going forward, including technological disruption, regulatory shifts, and changing consumer preferences? The instant payments 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 market characteristics section of the report defines and explains the market.
The market size section gives the market size ($b) covering both the historic growth of the market, and forecasting its development.
The forecasts are made after considering the major factors currently impacting the market. These include:
The forecasts are made after considering the major factors currently impacting the market. These include the technological advancements such as AI and automation, Russia-Ukraine war, trade tariffs (government-imposed import/export duties), elevated inflation and interest rates.
Market segmentations break down the market into sub markets.
The regional and country breakdowns section gives an analysis of the market in each geography and the size of the market by geography and compares their historic and forecast growth.
The competitive landscape chapter gives a description of the competitive nature of the market, market shares, and a description of the leading companies. Key financial deals which have shaped the market in recent years are identified.
The trends and strategies section analyses the shape of the market as it emerges from the crisis and suggests how companies can grow as the market recovers.
Scope
Markets Covered:1) By Payment Type: Person-To-Business(P2B); Business-To-Business(B2B); Person-To-Person(P2P); Other Payment Types
2) By Component: Solutions; Payment Gateway; Payment Processing; Security And Fraud Management; Services
3) By Technology: Mobile Payments; Online Transfers; Contactless Payments; Cryptocurrency Transactions
4) By Deployment: Cloud; On-premise
5) By End-Use Industry: Retail And E-commerce; Banking, Financial Services, And Insurance(BFSI); Information Technology And Telecom; Travel And Tourism; Government; Healthcare; Energy And Utilities; Other End-Use Industries
Subsegments:
1) By Person-To-Business (P2B): In-Store Payments; E-Commerce Payments; Utility And Bill Payments
Regions: Asia-Pacific; Western Europe; Eastern Europe; North America; South America; Middle East; Africa
Time Series: Five years historic and ten years forecast.
Data: Ratios of market size and growth to related markets, GDP proportions, expenditure per capita,
Data Segmentations: country and regional historic and forecast data, market share of competitors, market segments.
Sourcing and Referencing: Data and analysis throughout the report is sourced using end notes.
Delivery Format: PDF, Word and Excel Data Dashboard.
Table of Contents
1. Executive Summary
2. Instant Payments Market Characteristics
3. Instant Payments Market Trends And Strategies
4. Instant Payments Market - Macro Economic Scenario Including The Impact Of Interest Rates, Inflation, Geopolitics, Trade Wars and Tariffs, And Covid And Recovery On The Market
4.1. Supply Chain Impact from Tariff War & Trade Protectionism
5. Global Instant Payments Growth Analysis And Strategic Analysis Framework
5.1. Global Instant Payments PESTEL Analysis (Political, Social, Technological, Environmental and Legal Factors, Drivers and Restraints)
5.2. Analysis Of End Use Industries
5.3. Global Instant Payments Market Growth Rate Analysis
5.4. Global Instant Payments Historic Market Size and Growth, 2019 - 2024, Value ($ Billion)
5.5. Global Instant Payments Forecast Market Size and Growth, 2024 - 2029, 2034F, Value ($ Billion)
5.6. Global Instant Payments Total Addressable Market (TAM)
6. Instant Payments Market Segmentation
6.1. Global Instant Payments Market, Segmentation By Payment Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
Person-To-Business(P2B)
Business-To-Business(B2B)
Person-To-Person(P2P)
Other Payment Types
6.2. Global Instant Payments Market, Segmentation By Component, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
Solutions
Payment Gateway
Payment Processing
Security And Fraud Management
Services
6.3. Global Instant Payments Market, Segmentation By Technology, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
Mobile Payments
Online Transfers
Contactless Payments
Cryptocurrency Transactions
6.4. Global Instant Payments Market, Segmentation By Deployment, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
Cloud
On-Premise
6.5. Global Instant Payments Market, Segmentation By End-Use Industry, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
Retail And E-commerce
Banking, Financial Services, And Insurance(BFSI)
Information Technology And Telecom
Travel And Tourism
Government
Healthcare
Energy And Utilities
Other End-Use Industries
6.6. Global Instant Payments Market, Sub-Segmentation Of Person-To-Business (P2B), By Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
In-store payments
E-commerce payments
Utility and bill payments
6.7. Global Instant Payments Market, Sub-Segmentation Of Business-To-Business (B2B), By Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
Supplier vendor payments
Invoice payments
Payroll disbursements
6.8. Global Instant Payments Market, Sub-Segmentation Of Person-To-Person (P2P), By Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
Domestic money transfers
International remittances
Wallet to wallet transfers
6.9. Global Instant Payments Market, Sub-Segmentation Of Other Payment Types, By Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
Insurance claim settlements
Refunds and reimbursements
Social benefit disbursements
7. Instant Payments Market Regional And Country Analysis
7.1. Global Instant Payments Market, Split By Region, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
7.2. Global Instant Payments Market, Split By Country, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
