2021年全球支付報(bào)告

隨著電子商務(wù)的興起，數(shù)字錢(qián)包蓬勃發(fā)展

2020年全球電子商務(wù)增長(zhǎng)加速，交易額達(dá)到4.6萬(wàn)億美元，

比2019年增長(zhǎng)了19%o

2020年數(shù)字錢(qián)包占電子商務(wù)交易量的44.5%,比2019年增

長(zhǎng)6.5%O中國(guó)消費(fèi)者在數(shù)字錢(qián)包方面領(lǐng)先，占電子商務(wù)交

易量的72.1%O美國(guó)數(shù)字/移動(dòng)錢(qián)包普及率落后于全球平均水

平，數(shù)字錢(qián)包占僅電子商務(wù)交易的29.8%,比2019年增長(zhǎng)了

23.7%O

預(yù)計(jì)到2024年，數(shù)字錢(qián)包將占全球電子商務(wù)支付量的

51.7%,信用卡（20.8%）和借記卡（12%）的份額略有下降。

在POS萎縮之際，現(xiàn)金倉(cāng)促撤退

銷(xiāo)售點(diǎn)最直接地感受到新冠的影響，2020年全球交易量比

2019年下降4.4%,預(yù)計(jì)全球經(jīng)濟(jì)復(fù)蘇將發(fā)生在18-24個(gè)月

內(nèi)。2022全球交易量增長(zhǎng)率將達(dá)到6.5%,然后在2023年和

2024年分別增長(zhǎng)3.3%和3.5%o

新冠大流行使現(xiàn)金的減少速度加快了三年多，超過(guò)了2020

年的預(yù)測(cè)。2020年，現(xiàn)金占全球銷(xiāo)售點(diǎn)交易量的20.5%,比

2019年減少了32.1%。

移動(dòng)錢(qián)包填補(bǔ)了現(xiàn)金的空缺，比2019年增長(zhǎng)19.5%,占2020

年銷(xiāo)售點(diǎn)交易的25.7%o

在歐洲、拉丁美洲和I北美，信用卡（22.4%）和借記卡（22.3%）

占銷(xiāo)售點(diǎn)支付的大部分，而在亞太地區(qū)和中東和非洲的使用

相對(duì)較少。

展望2024年，預(yù)計(jì)現(xiàn)金使用量將比2020年再減少38%,僅

占全球銷(xiāo)售點(diǎn)交易量的12.7%o

預(yù)計(jì)到2024年，移動(dòng)錢(qián)包將比2020年再增加30%,占全球

銷(xiāo)售點(diǎn)交易量的33.4%O

2020changedourworldandhowweinteractwithinitmorethananyotheryc

recenthistory.Forthefirsttime,nomatterwherewewere,weexperienceds

together.We'veexperiencedemotionallowsandhopedforourfuture.We've

toalterourdailyhabitsandadjustfutureengagements.We'velearnedabout

technologyandservicesthathelpusdealwithbeingathomemoreoften.

WeYeconnectedbymorethanjustcommerce.We'reconnected

byasharedexperience.Thathasinevitablyalteredourconnections

tocommerce.

Asbusinessesbegantoreopenandwelearnedhowtonavigate

theworldamidstthepandemic,itbecameclearthatrebuilding

economieswasessential.Doingittherightwaywillallowforsmarter

experiencesandsmarterinteractions.

ThafsthefoundationofThe2021GlobalPaymentsReportby

WorldpayfromFIS.

Wellexplorehow2020catapultedpaymentsyearsaheadofwhere

theywereprojectedtobeandwelldiveintowhatcommercewill

looklikepostpandemic.Beyondjustpayments,wellhighlightthe

newestmodemcurrencyandconsiderationsforenteringdifferent

markets.You'llgetthesmarterinsightsyouneedtobuildatrue

omnichannelexperience.

We*veseentherapidchangethatcanoccurinadigitalworid.

Paymentoptionsarefrequentlyevolvingandcompetitionover

paymentmarketsharecontinuestoincrease.Wellhelpyoucreate

smartercustomerexperiencesbyhelpingyouunderstandwhich

paymentmethodsarepopularandwhichnewonesareontherise.

Rebuildingoureconomiesandbusinesseslieswithallofus.Itstarts

withunderstandingwherechangeoccurredandapplyingthoseinsights

tocreatethesmartercheckoutexperiencesconsumershavecometo

expect.Whiletherewasn'taguidebookfornavigatingapandemic,we

cangiveyouasolid,smarterpaymentsroadmaptothefuture.

Let'sstartbyrebuildingbusinessesandrethinkingsmarter

aboutcommerce.

irterv

Consumerpaymentpreferencesvaryconsiderablyaroundtheworld,increasefrom201

reflectinganinfinitediversityofhistorical,technical,cultural,economicandpenetrationbyall

regulatoryfactors.Attemativepaymentmethodslikedigitalwalletsandbank8%in2019toi0%

transfersarenowinthemainstream,ifnotintheoutrightmajority,andlegacy

methodslikecreditcardsandcashcontinuetodecline.Digitalwalletsrer

e-commercecons

Widespreaddisruptionscreatedaprofoundshiftincommerceandpayments,volumein2020,u

acceleratingtheadoptionofdigitalwalletsine-commercewhilehasteningthedigitalwallets,ac

declineofcashatthepointofsale.-wheredigital/m

walletsgrewtore

Digitalwalletsthrivease-commercesurgesover2019levels.

E-commerceexplodedin2020topostthehighestgrowthrateinfiveyears

Digitalwalletgain

ashome-boundconsumerssoughtalternativestoshutteredbrick-and-

cards,banktransl

mortarstores.Globale-commercegrowthacceleratedin2020despite

digitalwalletsto;

recessionaryheadwinds,postingU.S.$4.6trillionintransactions,a19%

2024withslightd

(to12%).By2024,digitalwallets,creditanddebitcardswillaccountfor

84.5%ofe-commercespend.Buynow,paylater(BNPL)continuestoearn

marketshare,expectingtodoublefrom2.1%in2020to4.2%by2024.

Onenewcomponentofour2020e-commerceanalysisisdirectdebit

Directdebitisaformofbanktransferwherearetailerwithdrawsfunds

directlyfromaconsumer'sbankaccountonaspecifieddateafterthe

purchase.MostpopularinEuropewhereitearned4%ofshare,direct

debitwasusedfor1.2%ofglobale-commercepaymentsin2020.

CashbidsahastyretreatamidPOScontraction

Point-of-salefelttheimpactofCOVID-19mostdirectly,with2020

globaltransactionvolumefalling4.4%from2019.Projectionssee

recoveryfromtheglobalrecessiontransactionvolumestaking18-24

months,returningto6.5%globalgrowthratesin2022,andthen3.3%

growthin2023and3.5%in2024.

Disruptionsinpaymenttypeswereasequallydramaticasthereductions

intotalvolume.COVID-19isacceleratingthepaceofcash'sdecline

fasterthaneventhemostbullishprojections.Thepandemicaccelerated

thedeclineofcashbyoverthreeyears,exceedingin2020ourprevious

projectionfor2023.Cashwasusedfor20.5%ofglobalPOSvolumein

2020,a32.1%reductionfrom2019.

Cashtransactionvaluesfellsteeplyaroundtheworldin2020:by21.9%

inNorthAmerica,33.6%inEurope,34.7%inLatinAmericaand36.6%

inAPAC.Cashhasfallentohistoricallylowusagearoundtheworld,

representingonly5.4%ofPOStransactionvolumeinCanada,4.5%in

Norway,11.9%intheU.S.andlessthan10%inmarketsasdiverseas

Australia,HongKongandSweden.

Mobilewalletsgainedmuchofcash'ssharelossatthepointofsale,

rising19.5%over2019torepresent25.7%of2020POStransactions.

Thepandemicusheredinawaveofinterestincontactlesspayment

methods,acceleratingalreadygrowinginterestinmobilewallets.

Creditcards(22.4%)anddebitcards(22.3%)continuetoeammajority

sharesofPOSpaymentsinEurope,LatinAmericaandNorthAmerica,

whileseeingcomparativelylessuseinAPACandMEA.

AnewcategoryinourPOS2020analysisisPOSfinancing,which

representsamixoflegacyandemergingpaymentsthatextendconsumer

creditatthepointofsale.Thisindudescreditofferedbyretailers,

financialinstitutions,marketplacesandBNPLservices.Thespectrumof

POSfinancingisbroadeningconsumerpaymentchoiceswhileboosting

merchantconversions.POSfinancingrepresents3.5%ofglobal2020POS

share,projectedtomaintainfairlysteadyshareat3.3%in2024.

Lookingaheadto2024,weexpectthetrendawayfromcashtocontinue

asconsumerscementtheirpreferencesofmoreconvenient,contactless

paymentmethodsatthepointofsale.Whileacceleratingcash'sdecline,

wedonotexpectasignificantcashbounce-back-regardlessofCOVID-

19'sultimatetrajectory.Weprojectcashwilldeclineanadditional38%

from2020torepresentjust12.7%ofglobalPOSvolumeby2024.

Thelossofcashwillbeabsorbedbymobilewalletswithexpectations

theywillriseanadditional30%from2020toaccountfor33.4%ofglobal

POSspendby2024.Mobilewalletswilleamsharesinthemid-teens

acrossallglobalregionsby2024,ledbytheoutlierofAPACwheremobile

walletswillachievemajoritystatus,earning47.9%ofPOSshareby2024.

Thoughshiftingwithinregions,cardshareswillholdsteadythrough

2024atroughly50%ofglobalPOStransactionvalues.

Globale-compaymentmethods

20202024*

Digital/MobileWallet44.5%51.7%

CreditCard22.8%20.8%

DebitCard12.3%■12.0%■

BankTransfer7.7%■5.3%

CashonDelivery3.3%■1.7%?

Charge&DeferredDebitCard3.3%1.6%

BuyNowPayLater2.1%14.2%■

DirectDebit1.2%1.0%1

Pre-PaidCard1.1%10.5%1

PostPay0.9%10.5%1

PrePay0.4%10.2%1

Other0.4%10.4%1

GlobalPOSpaymentmethods

20202024*

Digital/MobileWallet257%

CreditCard22.4%22.8%

DebitCard22.3%22.4%

Cash20.5%12.7%■

POSFinancing3.5%?3.3%!

Pre-PaidCard3.4%13.2%1

ChargeCard2.2%12.3%1

COVID-19causedprofounddisruptionstocommercethroughoutEmerce.Europ

Lockdownsandoperatingrestrictionsonphysicalbusinesseshelpedbetween2016an(

e-commercevolumessurge.Face-to-facebusinessesboretheheaviestsurveywillsustaii

economicburdens,strivingtosurviveandthriveeveninthefaceof

recessionaryheadwindsandevolvingregulations.Thoughthedigits

greatdiversity.T卜

Paymentmethodsacceleratedtowarddigitalsolutionsin2020.Digitalwalletsandhighgrowth(

andbuynow,paylater(BNPL)servicescontinuetoabsorbshareamidamoderategrowth

balancede-commercepaymentslandscapefrombanktransfers,creditpenetrationbuth

cardsanddebitcards.Moresignificantdisruptionwasseenatthepointofpenetration,lows

sale,wherecontactlessformsofcommercesuddenlyrosetoprominencetoEuropeane-comn

acceleratethedeclineofcash.fromalowof7.4,

Sustained,diversee-commercegrowthEuropeanpaymenl

highestinatleastc

Europeane-commercecontinuedtogrowthroughthepandemic,as

e<ommercepaym

consumerssoughttobridgethegapscreatedbyclosuresofin-person

Digitalwalletsarenowtheleadingpaymentmethodinthefivelargest

Europeane-commercemarkets:France,Germany,Russia,SpainandtheU.K.

Debitandcreditcardsbothcapturenearly19%ofpaymentsfor

e-commerceinEurope,contendingforasecond-placerankingof

Europeanpaymentpreferences.Debitcardsarethee-compayment

methodofchoiceinBelgium,DenmarkandIreland,whilecreditcards

reignincountriesasdiverseasNorwayandTurkey.BNPListheleading

e-compaymentmethodinSweden,helpingboostthe7.4%shareof

regionaltransactionvalueforbuynow,paylater.

Banktransfersrepresentarobust13%ofregionaltransactions,

sharingstrongleadershippositionsinTheNetherlandsandFinland.

ThepopularityofbanktransferamongEuropeanconsumersgoes

beyondeventhestrongdirectshareofpayments,asdigitalwallets

linkedtobankaccountscontinuetogainshare.Anemergingvariant

onbanktransfers,directdebitisbrokenoutcapturing4%ofEuropean

e-commercepayments,mainlydrivenbyGermany.

Lookingaheadthrough2024,weseeamarketthatcontinuestoreflect

Europe'sdiversity,withdigitalwallets,creditanddebitcards,bank

transfersandBNPLallearningdouble-digitalshareofe-compayments.

DigitalwalletsandBNPLwillgainadditionalshare,withdigitalwallets

rising13.3%tomaintainthecategorylead,approaching30%by2024.

ThepopularityofBNPLwillmakethelargestgains,nearlydoublingits

shareby2024toaccountfor13.6%ofe-comspend.Advancesbydigital

walletsandBNPLoptionswillcomeattheexpenseofmoretraditionalEuropu

paymentmethods,withchargecards,cashondeliveryandpre-paid

servicesseeingsteadydeclinesthrough2024.onlineui

andcrW

CashrapidlydeclinesamidPOScontractionequally<

Aswasthecaseglobally,Europeanpoint-of-salemerchantsfeltthe

impactofCOVID-19'seconomicchallengesmostdirectly.2020POS

transactionvolumefell10.2%acrosstheregiontoU.S.$6.76trillion.

Modestannualgrowthof4.2%isforecastforPOStransactionvolumeF

through2024.EuropeanPOSvolumesareexpectedtoexpand

sufficientlytoregain2019levelsduring2022.

CashusedeclinedatthePOSinEuropebymorethanathird(33.6%).

Thededineinconsumers'useofcashrepresentsamongthemost

dramaticpaymentmethodshiftsinmodemtimes.Cashvolumesdropped

bymorethanhalfinFrance(59.6%)andtheU.K.(51.1%).Althoughstill

consideredasignificantdrop,Germanysawtheleastdrasticdeclines,

fallingonly12.5%tn2020toaccountfor43.5%ofPOStransactionvolume.

Thoughthegreatlyacceleratedpaceofcash'sdeclinein2020wasdirectly

attributabletothepandemic,ourforecastsseeadditionalretreats

independentofCOVID-191spath.Europewillseetheuseofcashdedining

9.9%annuallythrough2024,whenitwillrepresentjust15.4%ofPOS

transactionvolume.By2024,weprojectcashwillcapture15.4%ofPOS

spendinEurope.Denmark,SwedenandNorwayareexpectedtobenearty

cashlesswithinfiveyears,whiteaboveaveragecashusewillpersistin

Germany,Italy,SpainandPoland.

CardsaccountedformostEuropeanPOSpaymentsin2020,increasingly

ofthecontactlessvariety.Cash'slossistranslatingtowinsforcardsat

thePOS:41%sharefordebit,11.5%forcreditcards,6%forchargecards

and2.6%forprepaidcards.Ourforecastprojectsdebitcardsexpanding

theirshareleadthrough2024,reaching43.9%ofPOSspend.

MobilewalletsarealsogainingsignificantPOSshare.Contactless

mobilewalletssurgedover63%in2020tocapture7.2%ofPOSspend.

Sustainedcompoundannualgrowthof22.9%willseemobilewallets

risetoearn13.9%ofPOSspendby2024.

Newtothe2021GPRisPOSfinancing.Createdtopropertycaptureand

categorizethefullrangeofinstantfinancingoptionsatthepointofsale,

POSfinancingencompassesBNPL,directmerchantfinancingandother

marketplacesolutions.POSfinancingrepresented4.3%ofregional

2020POSvolume.LedbyDenmarkandTheNetherlands,POSfinancing

projectstomaintainthatshareofregionalPOSspendthrough2024.

Denmark

Horwayi

RMROttg2021,3eIVMdtht?yhrMH"OMI(UfWttoIMQM4VWpe*”

GloMR^meneReportsttrope.(LMtAJ.bencarl]

withinfi、

Europee-compaymentmethods

2020202T

Digital/MobileWallet26.4%s—.29.9%

CreditCard18.9%19.0%■■

DebitCard18.8%HHi16.1%■■

BankTransfer13.0%11.1%

BuyNowPayLater7.4%13.6%■

Charge&DeferredDebitCard4.6%2.2%

DirectDebit4.0%■3.7%1

CashonDelivery3.3%11.5%1

Other1.2%11.1%1

Pre-PaidCard1.2%11.0%1

PrePay1.1%10.7%1

PostPay0.1%10.1%1

EuropePOSpaymentmethods

20202024*

DebitCard41.0%43.9%

Cash27.4%15.4%m

CreditCard11.5%■12.5%■

Digital/MobiteWallet7.2%■13.9%■

ChargeCard6.0%■6.6%■

POSFinancing4.3%I4.3%I

Pre-PaidCard2.6%I3.5%I

Numbersadjustedforroundingmayimpacttotals.

COVID-19causeddisruptionstocommerceacrossAsia-Pacific(APAC)inGrowthinChina's(

2020.Itimposedcompoundshockstotheeconomy:thedirectcostsofprojectedannual[

pandemicmanagement,substantialcostsresultingfromlockdownsandotherexceedU.S.$3.1tr

containmentmeasures,andreverberationsfromarecessionofglobalscope.growthratesthrot

lowof7.5%inJap;

Paymentmethodtrendsacceleratedtowarddigitalsolutionsthroughoutseee-comgrowth

APACin2020.Ascommerceshiftedfromthepointofsaletoe-commerce,projectedforthen

consumersshiftedpaymentpreferencestodigitalmethods.DigitalandandSingapore.

mobilewalletscontinuedtogaininpopularityasconsumersturnedaway

fromcashathistoricrates.Digitalwalletscon

digitalwalletsexc(

APACe-commerce:Toda/swindowintoaglobaldigitalfutureslightlyfrom58.491

useaccountingfor

E-axnmerceisprojectedtogrow13%annuallythrough2024.In2020,APAC

e-commercetransactionvalueexceededU5.$2.4trillionandisprojectedtodigitalwalletshavi

India(39.7%)andI

exceedU.S.$3.9trillionby2024.Expansionwillbedrivenlargelybymobile

(24.1%),HongKoni

commerce,growingfrom59.3%ofregionale-comin2020to64.1%by2024.

Creditcardsmaintainedastrongsecondplacepositionwith19.1%

ofe-compayments,despitefallingslightlyfrom20.1%in2019.They

remaintheleadingpaymentmethodinhalfoftheAPACcountries

includedinourreport,includingdominantpositionsinJapan(58.2%),

SouthKorea(57.4%)andSing叩ore(45.3%).DebitcarduseinAPAC

jumped38.1%in2020,risingfrom4.2%in2019to5.8%of2020e-com

payments,withconsumersusingdebitmoreoftentopayforsmaller

valuepurchasesduetothepandemic.

2024projectionsincludefurtherincreasesfordigitalwalletsinAPAC

e-compayments.Digitalwalletswillincreasetheirdominantleadin

e-commerceto65.4%by2024,risingtocategory-leadingpositionsin

Australia,MalaysiaandThePhilippines.Debitcardswillalsorisefrom

5.8%ofe-commercepaymentsin2020to7.1%in2024onstrengthin

Australia(21.3%),SouthKorea(20%)andIndia(18%).Buynow,paylater

(BNPL)serviceswillmorethandoublefrom2020to2024,from0.6%to

1.3%,Thesesharegainswillcomelargelyattheexpenseofcreditcards,

banktransfers,cashondelivery(COD)andprepaidcards,allofwhich

willlosesharethrough2024.

ChangingPOSpreferences

Aswasthecasethroughouttheworld,theeconomicimpactsof

COVID-19werefeltmostacutelyatthepointofsale.Thepandemic

contributedtosignificantdropsinPOStransactionvaluesinIndia

(-8.1%),Singapore(-10.4%),Thailand(-9.2%)andJapan(-7.4%).

Whiletheultimatepathofthepandemicgloballyaddsadditional

uncertainties,stronggrowthisprojectedtoarecoveryof2019POS

volumesbylate2021or2022.Chinaprojects6.2%growthfrom2020

through2024-including9.7%growthin2021-growingtorepresent

overU.S.$22trillionin2024.ThePhilippinesforecaststhelargest

growthrateregionallythrough2024at9.4%,followedcloselybyIndia

(8.9%)andVietnam(8.8%).ThemorematureeconomiesofJapan

(2.8%),SouthKorea(4%)andAustralia(4.6%)projectthelowestPOS

growthratesthrough2024.

Paymentmethodsatthepointofsaleareundergoingadramaticchange

awayfromcashandtowardmobilewallets,aglobaltrendledbyconsumers

inAPACwiththehelpofsomegovernmentinitiatives.InJapan,the

governmentactivelyoffereddiscountsforretailpurchaseswhenconsumers

paidwithanon-cashpaymentmethod.Whiletheshiftawayfromcashwas

inmotionlongbefore2020,thepandemicgreatlyacceleratedthetrend.

2020witnessedlargeshiftsinPOStransactionswithcash,droppingfrom

303%in2019to19.2%in2020,adeclineof36.6%.SparkedbyCOVID-19,

theaccelerateddedineintheuseofcashin2020aloneexceededourpre-

pandemicprojectionsfor2023.

MuchofthePOSspendpreviouslydedicatedtocashshiftedtomobile

wallets.Mobilewalletsshareincreasedby12%in2020,risingfrom

35.9%in2019to402%in2020.Mobilewalletsapproachedathree-

yearaccelerationin2020,nearlyreachingthe45.1%projectedfor2023.

PrepaidcardsalsogainedsignificantPOSsharein2020,risingfrom0.8%

in2019to3.5%in2020.

Lookingaheadto2024,weseeacontinuationofthesetrendsat

thepointofsale,withcashcontinuingtodeclineacrosstheregion,

projectedtofallanadditional43.8%from2020to2024,whencashwill

representonly10.8%oftransactions.Cashwillpersistastheleading

POSpaymentmethodinIndonesia,ThePhilippines,VietnamandJapan,

yetthededineofcashwillbeneartotalinsomemarkets,fallingto5.9%

inChina,2.1%inAustraliaandjust1.6%inHongKong.

Weprojectmobilewalletswillgrowtorepresent47.9%ofPOSspendby

2024.Chinawillcontinuetoleadthewaywithmobilewalletsprojectedat

57.1%ofPOSspend,whileTaiwan,ThailandandThePhilippineswillallsee

mobilewalletsexperiencedramaticgrowthratesofover25%.Creditand

debitcardswillalsoseesteadygainstoaccountinaggregateforone-third

ofPOSspendby2024.

APACe-compaymentmethods

20202024*

Digital/MobileWallet60.2%65.4%

CreditCard19.1%■■18.1%MH

BankTransfer6.5%4.1%■

DebitCard5.8%■7.1%■

CashonDelivery4.1%■2.0%?

Pre-PaidCard1.1%10.4%1

PostPay1.0%10.5%1

Charge&DeferredDebitCard0.8%0.4%

BuyNowPayLater0.6%1.3%1

DirectDebit0.3%0.3%

Other0.3%10.3%1

PrePay0.2%10.1%1

APACPOSpaymentmethods

2020202T

Digital/MobileWallet40.2%47.9%

Cash19.2%10.8%,

CreditCard19.1%19.8%

DebitCard14.5%IM15.2%

Pre-PaidCard3.5%■2.8%■

POSFinancing3.0%12.9%1

ChargeCard0.5%I0.6%I

Numbersadjustedfoeroundingmayimpacttotals.,Forecasted

Ouranalysisofpaymenttrendsfromacross-sectionofcountriesintheMiddlepersonalcaresoa

EastandAfricafindseconomiesandcitizensfacingacritkaljunctureasratesofneworim

commonchallengesconverge.onlinegroceryde

TheeconomiesoftheMiddleEastandAfricanavigatedatumultuousandAsMEAconsumer

recessionaryglobaleconomy.E-commercegrewasface-to-facebusinessessophisticatedeco

shuttered,acceleratingfundamentalshiftsthatwereunderwaypriortotheemergingasareg

pandemic.AdiversemixoftraditionalandcontemporarypaymentmethodsJumia,aleading.

viedfore-comsupremacy,whileatthepointofsale,substantialcrackspaymentinnovate

appearedinthelongstandingdominanceofcash.

MiddleEastandA

MEAe-commercepoisedforexplosivegrowthexperiencingrapi1

2016through202(

TheMiddleEastandAfrica(MEA)remainamongthelastfrontiersofunder-

stageemerginge(

tappede-commercepotential.MEAconsumersturnedtoe-commerce

accelerantfordig

duringthepandemicasdemandforgroceries,householdsuppliesand

reluctantcons