실시간 결제 시장 : 세계 산업 규모, 점유율, 동향, 기회, 예측 - 구성요소별, 조직 규모별(중소기업 및 대기업), 최종사용자별, 지역별, 경쟁별(2020-2030년)
Real Time Payments Market - Global Industry Size, Share, Trends, Opportunity, and Forecast Segmented By Component, By Organization Size (Small & Medium-sized Enterprises and Large Enterprises), By End-User, By Region, and By Competition, 2020-2030F
상품코드:1881622
리서치사:TechSci Research
발행일:2025년 11월
페이지 정보:영문 186 Pages
라이선스 & 가격 (부가세 별도)
ㅁ Add-on 가능: 고객의 요청에 따라 일정한 범위 내에서 Customization이 가능합니다. 자세한 사항은 문의해 주시기 바랍니다.
한글목차
세계의 실시간 결제 시장은 2024년 253억 9,000만 달러에서 2030년까지 1,416억 1,000만 달러로, CAGR 33.17%로 성장할 것으로 예측됩니다.
실시간 결제는 계좌 간 즉각적이고 취소 불가능한 자금 이동을 가능하게 하는 전자 소매 결제 서비스를 말하며, 보통 몇 초 이내에 실행되며, 공휴일을 포함하여 24시간 365일 운영됩니다. 시장 확대는 세계 경제의 디지털화와 더불어 자금에 대한 즉각적인 접근과 현금 흐름 관리 강화에 대한 소비자와 기업의 견고한 수요에 의해 크게 촉진되고 있습니다.
시장 개요
예측 기간
2026-2030년
시장 규모 : 2024년
253억 9,000만 달러
시장 규모 : 2030년
1,416억 1,000만 달러
CAGR : 2025-2030년
33.17%
가장 빠르게 성장하는 부문
정부
최대 시장
아시아태평양
주요 시장 촉진요인
세계 실시간 결제 시장은 주로 정부와 중앙은행의 현대화된 결제 인프라 구축 노력과 즉각적이고 편리한 거래에 대한 소비자의 수요 증가에 힘입어 성장하고 있습니다. 전 세계의 적극적인 규제 기관들은 실시간 자금 이동을 가능하게 하는 필수적인 프레임워크와 국가 결제 시스템을 구축하는 데 중요한 역할을 하고 있으며, 의무화된 기준과 편리한 서비스를 통해 도입을 촉진하고 있습니다.
주요 시장 과제
보안과 부정사용에 대한 우려가 높아지면서 세계 실시간 결제 시장 확대에 큰 걸림돌로 작용하고 있습니다. 이러한 거래에 내재된 속도와 취소 불가능성은 금전적 손실의 가능성을 증폭시키기 때문에 효과적인 사기 방지 대책이 시급한 지속적인 요구사항이 되고 있습니다.
주요 시장 동향
인공지능(AI)과 머신러닝(ML)의 통합은 프로세스 자동화와 부정행위 탐지 정확도 향상을 통해 실시간 결제 업무를 대폭 강화합니다. 이는 즉각적인 거래 속도에 매우 중요합니다. AI와 ML 알고리즘은 방대한 데이터를 분석하여 이상 징후를 식별하고, 보안과 업무 효율성을 강화합니다.
목차
제1장 개요
제2장 조사 방법
제3장 주요 요약
제4장 고객의 소리
제5장 세계의 실시간 결제 시장 전망
시장 규모 및 예측
금액별
시장 점유율과 예측
구성요소별(솔루션, 서비스)
기업 규모별(중소기업(SME), 대기업)
최종사용자별(은행·금융·보험(BFSI), 정부, IT·통신, 의료, 기타)
지역별
기업별(2024)
시장 맵
제6장 북미의 실시간 결제 시장 전망
시장 규모 및 예측
시장 점유율과 예측
북미 : 국가별 분석
미국
캐나다
멕시코
제7장 유럽의 실시간 결제 시장 전망
시장 규모 및 예측
시장 점유율과 예측
유럽 : 국가별 분석
독일
프랑스
영국
이탈리아
스페인
제8장 아시아태평양의 실시간 결제 시장 전망
시장 규모 및 예측
시장 점유율과 예측
아시아태평양 : 국가별 분석
중국
인도
일본
한국
호주
제9장 중동 및 아프리카의 실시간 결제 시장 전망
시장 규모 및 예측
시장 점유율과 예측
중동 및 아프리카 : 국가별 분석
사우디아라비아
아랍에미리트
남아프리카공화국
제10장 남미의 실시간 결제 시장 전망
시장 규모 및 예측
시장 점유율과 예측
남미 : 국가별 분석
브라질
콜롬비아
아르헨티나
제11장 시장 역학
성장 촉진요인
과제
제12장 시장 동향과 발전
인수합병
제품 출시
최근 동향
제13장 세계의 실시간 결제 시장 : SWOT 분석
제14장 Porter's Five Forces 분석
업계내 경쟁
신규 참여의 가능성
공급업체의 능력
고객의 능력
대체품의 위협
제15장 경쟁 구도
Cognizant Technology Solutions Corporation
ACI Worldwide, Inc.
Microsoft Corporation
Mastercard, Inc.
FIS Inc.
Financial Software & Systems Pvt. Ltd.
Fiserv, Inc.
Montran Corporation
Mindgate Solutions Private Limited
PayPal Holdings, Inc.
제16장 전략적 제안
제17장 조사 회사 소개 및 면책사항
KSM
영문 목차
영문목차
The Global Real Time Payments Market will grow from USD 25.39 Billion in 2024 to USD 141.61 Billion by 2030 at a 33.17% CAGR. Real-time payments represent electronic retail payment services that enable the instantaneous and irrevocable transfer of funds between accounts, typically executed within seconds, operating 24 hours a day, seven days a week, including holidays. The market's expansion is significantly propelled by the increasing global digitalization of economies, alongside robust consumer and business demand for immediate access to funds and enhanced cash flow management.
Market Overview
Forecast Period
2026-2030
Market Size 2024
USD 25.39 Billion
Market Size 2030
USD 141.61 Billion
CAGR 2025-2030
33.17%
Fastest Growing Segment
Government
Largest Market
Asia Pacific
Key Market Drivers
The Global Real Time Payments Market is primarily driven by government and central bank initiatives for modernized payment infrastructure and the evolving consumer demand for instant and convenient transactions. Proactive regulatory bodies worldwide are instrumental in establishing the necessary frameworks and national payment systems that facilitate real-time fund transfers, encouraging adoption through mandated standards and accessible services. This governmental push creates a foundational environment for rapid transaction processing.
Key Market Challenges
The escalating concern regarding security and fraud presents a significant impediment to the expansion of the global real-time payments market. The inherent speed and irrevocability of these transactions amplify the potential for financial loss, making effective fraud prevention an immediate and continuous necessity. This heightened risk perception among both consumers and businesses directly influences their willingness to fully embrace and utilize real-time payment infrastructures.
Key Market Trends
The integration of artificial intelligence and machine learning is significantly enhancing real-time payment operations by automating processes and improving fraud detection, crucial for the speed of instant transactions. AI and ML algorithms analyze extensive data to identify anomalies, strengthening security and operational efficiency. According to EBA Clearing, by March 2025, 100 participants in their STEP2-T and RT1 systems had adopted the Fraud Pattern and Anomaly Detection (FPAD) functionality, introduced in March 2024.
Key Market Players
Cognizant Technology Solutions Corporation
ACI Worldwide, Inc.
Microsoft Corporation
Mastercard, Inc.
FIS Inc.
Financial Software & Systems Pvt. Ltd.
Fiserv, Inc.
Montran Corporation
Mindgate Solutions Private Limited
PayPal Holdings, Inc.
Report Scope:
In this report, the Global Real Time Payments Market has been segmented into the following categories, in addition to the industry trends which have also been detailed below:
Real Time Payments Market, By Component:
Solution
Services
Real Time Payments Market, By Organization Size:
Small & Medium-sized Enterprises (SMEs)
Large Enterprises
Real Time Payments Market, By End-User:
BFSI
Government
IT & Telecom
Healthcare
Others
Real Time Payments Market, By Region:
Europe
France
United Kingdom
Italy
Germany
Spain
Asia Pacific
China
India
Japan
Australia
South Korea
South America
Brazil
Argentina
Colombia
Middle East & Africa
South Africa
Saudi Arabia
UAE
North America
United States
Canada
Mexico
Competitive Landscape
Company Profiles: Detailed analysis of the major companies presents in the Global Real Time Payments Market.
Available Customizations:
Global Real Time Payments Market report with the given market data, TechSci Research offers customizations according to a company's specific needs. The following customization options are available for the report:
Company Information
Detailed analysis and profiling of additional market players (up to five).
Table of Contents
1. Product Overview
1.1. Market Definition
1.2. Scope of the Market
1.2.1. Markets Covered
1.2.2. Years Considered for Study
1.2.3. Key Market Segmentations
2. Research Methodology
2.1. Objective of the Study
2.2. Baseline Methodology
2.3. Key Industry Partners
2.4. Major Association and Secondary Sources
2.5. Forecasting Methodology
2.6. Data Triangulation & Validation
2.7. Assumptions and Limitations
3. Executive Summary
3.1. Overview of the Market
3.2. Overview of Key Market Segmentations
3.3. Overview of Key Market Players
3.4. Overview of Key Regions/Countries
3.5. Overview of Market Drivers, Challenges, Trends
4. Voice of Customer
5. Global Real Time Payments Market Outlook
5.1. Market Size & Forecast
5.1.1. By Value
5.2. Market Share & Forecast
5.2.1. By Component (Solution, Services)
5.2.2. By Organization Size (Small & Medium-sized Enterprises (SMEs), Large Enterprises)
5.2.3. By End-User (BFSI, Government, IT & Telecom, Healthcare, Others)
5.2.4. By Region
5.2.5. By Company (2024)
5.3. Market Map
6. North America Real Time Payments Market Outlook
6.1. Market Size & Forecast
6.1.1. By Value
6.2. Market Share & Forecast
6.2.1. By Component
6.2.2. By Organization Size
6.2.3. By End-User
6.2.4. By Country
6.3. North America: Country Analysis
6.3.1. United States Real Time Payments Market Outlook
6.3.1.1. Market Size & Forecast
6.3.1.1.1. By Value
6.3.1.2. Market Share & Forecast
6.3.1.2.1. By Component
6.3.1.2.2. By Organization Size
6.3.1.2.3. By End-User
6.3.2. Canada Real Time Payments Market Outlook
6.3.2.1. Market Size & Forecast
6.3.2.1.1. By Value
6.3.2.2. Market Share & Forecast
6.3.2.2.1. By Component
6.3.2.2.2. By Organization Size
6.3.2.2.3. By End-User
6.3.3. Mexico Real Time Payments Market Outlook
6.3.3.1. Market Size & Forecast
6.3.3.1.1. By Value
6.3.3.2. Market Share & Forecast
6.3.3.2.1. By Component
6.3.3.2.2. By Organization Size
6.3.3.2.3. By End-User
7. Europe Real Time Payments Market Outlook
7.1. Market Size & Forecast
7.1.1. By Value
7.2. Market Share & Forecast
7.2.1. By Component
7.2.2. By Organization Size
7.2.3. By End-User
7.2.4. By Country
7.3. Europe: Country Analysis
7.3.1. Germany Real Time Payments Market Outlook
7.3.1.1. Market Size & Forecast
7.3.1.1.1. By Value
7.3.1.2. Market Share & Forecast
7.3.1.2.1. By Component
7.3.1.2.2. By Organization Size
7.3.1.2.3. By End-User
7.3.2. France Real Time Payments Market Outlook
7.3.2.1. Market Size & Forecast
7.3.2.1.1. By Value
7.3.2.2. Market Share & Forecast
7.3.2.2.1. By Component
7.3.2.2.2. By Organization Size
7.3.2.2.3. By End-User
7.3.3. United Kingdom Real Time Payments Market Outlook
7.3.3.1. Market Size & Forecast
7.3.3.1.1. By Value
7.3.3.2. Market Share & Forecast
7.3.3.2.1. By Component
7.3.3.2.2. By Organization Size
7.3.3.2.3. By End-User
7.3.4. Italy Real Time Payments Market Outlook
7.3.4.1. Market Size & Forecast
7.3.4.1.1. By Value
7.3.4.2. Market Share & Forecast
7.3.4.2.1. By Component
7.3.4.2.2. By Organization Size
7.3.4.2.3. By End-User
7.3.5. Spain Real Time Payments Market Outlook
7.3.5.1. Market Size & Forecast
7.3.5.1.1. By Value
7.3.5.2. Market Share & Forecast
7.3.5.2.1. By Component
7.3.5.2.2. By Organization Size
7.3.5.2.3. By End-User
8. Asia Pacific Real Time Payments Market Outlook
8.1. Market Size & Forecast
8.1.1. By Value
8.2. Market Share & Forecast
8.2.1. By Component
8.2.2. By Organization Size
8.2.3. By End-User
8.2.4. By Country
8.3. Asia Pacific: Country Analysis
8.3.1. China Real Time Payments Market Outlook
8.3.1.1. Market Size & Forecast
8.3.1.1.1. By Value
8.3.1.2. Market Share & Forecast
8.3.1.2.1. By Component
8.3.1.2.2. By Organization Size
8.3.1.2.3. By End-User
8.3.2. India Real Time Payments Market Outlook
8.3.2.1. Market Size & Forecast
8.3.2.1.1. By Value
8.3.2.2. Market Share & Forecast
8.3.2.2.1. By Component
8.3.2.2.2. By Organization Size
8.3.2.2.3. By End-User
8.3.3. Japan Real Time Payments Market Outlook
8.3.3.1. Market Size & Forecast
8.3.3.1.1. By Value
8.3.3.2. Market Share & Forecast
8.3.3.2.1. By Component
8.3.3.2.2. By Organization Size
8.3.3.2.3. By End-User
8.3.4. South Korea Real Time Payments Market Outlook
8.3.4.1. Market Size & Forecast
8.3.4.1.1. By Value
8.3.4.2. Market Share & Forecast
8.3.4.2.1. By Component
8.3.4.2.2. By Organization Size
8.3.4.2.3. By End-User
8.3.5. Australia Real Time Payments Market Outlook
8.3.5.1. Market Size & Forecast
8.3.5.1.1. By Value
8.3.5.2. Market Share & Forecast
8.3.5.2.1. By Component
8.3.5.2.2. By Organization Size
8.3.5.2.3. By End-User
9. Middle East & Africa Real Time Payments Market Outlook
9.1. Market Size & Forecast
9.1.1. By Value
9.2. Market Share & Forecast
9.2.1. By Component
9.2.2. By Organization Size
9.2.3. By End-User
9.2.4. By Country
9.3. Middle East & Africa: Country Analysis
9.3.1. Saudi Arabia Real Time Payments Market Outlook
9.3.1.1. Market Size & Forecast
9.3.1.1.1. By Value
9.3.1.2. Market Share & Forecast
9.3.1.2.1. By Component
9.3.1.2.2. By Organization Size
9.3.1.2.3. By End-User
9.3.2. UAE Real Time Payments Market Outlook
9.3.2.1. Market Size & Forecast
9.3.2.1.1. By Value
9.3.2.2. Market Share & Forecast
9.3.2.2.1. By Component
9.3.2.2.2. By Organization Size
9.3.2.2.3. By End-User
9.3.3. South Africa Real Time Payments Market Outlook
9.3.3.1. Market Size & Forecast
9.3.3.1.1. By Value
9.3.3.2. Market Share & Forecast
9.3.3.2.1. By Component
9.3.3.2.2. By Organization Size
9.3.3.2.3. By End-User
10. South America Real Time Payments Market Outlook
10.1. Market Size & Forecast
10.1.1. By Value
10.2. Market Share & Forecast
10.2.1. By Component
10.2.2. By Organization Size
10.2.3. By End-User
10.2.4. By Country
10.3. South America: Country Analysis
10.3.1. Brazil Real Time Payments Market Outlook
10.3.1.1. Market Size & Forecast
10.3.1.1.1. By Value
10.3.1.2. Market Share & Forecast
10.3.1.2.1. By Component
10.3.1.2.2. By Organization Size
10.3.1.2.3. By End-User
10.3.2. Colombia Real Time Payments Market Outlook
10.3.2.1. Market Size & Forecast
10.3.2.1.1. By Value
10.3.2.2. Market Share & Forecast
10.3.2.2.1. By Component
10.3.2.2.2. By Organization Size
10.3.2.2.3. By End-User
10.3.3. Argentina Real Time Payments Market Outlook
10.3.3.1. Market Size & Forecast
10.3.3.1.1. By Value
10.3.3.2. Market Share & Forecast
10.3.3.2.1. By Component
10.3.3.2.2. By Organization Size
10.3.3.2.3. By End-User
11. Market Dynamics
11.1. Drivers
11.2. Challenges
12. Market Trends & Developments
12.1. Merger & Acquisition (If Any)
12.2. Product Launches (If Any)
12.3. Recent Developments
13. Global Real Time Payments Market: SWOT Analysis
