DIGITAL

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TRENDSCashlesspaymentsinJapanCHAPTER

01OverviewRatioofcashlesspaymentsinJapanfrom2014to2023CashlesspaymentratioinJapan2014-202345%40%39.3%36%35%32.5%29.7%30%25%20%15%10%26.8%24.1%21.3%201720%18.2%201516.9%201420162018201920202021202220234Description:In2023,cashlesspaymentsaccountedforaround39.3percentoftheprivatefinalconsumptionexpenditureinJapan.Thecashlesspaymentratioincreasedby3.3percentagepointsyearonyear.

ReadmoreNote(s):Japan;2014to2023Source(s):METI(Japan);VarioussourcesValueofcashlesspaymentsinJapanfrom2014to2023,bypaymentmethod(intrillionJapaneseyen)ValueofcashlesspaymentsinJapan2014-2023,bypaymentmethodCreditcardpaymentsDebitcardpaymentsElectronicmoneypaymentsQRcodepayments1401201008010.96.47.96.13.73.25.363.22.22.7165.80.21.75.51.35.2601.15.10.94.6105.70.440.593.8408173.474.566.758.453.949.846.320020142015201620172018201920202021202220235Description:In2023,creditcardpaymentsinJapanamountedto105.7trillionJapaneseyen.QRcodepaymentsfollowedwithatransactionvalueof10.9trillionyen,surpassingthevalueofelectronicmoneypaymentsforthesecondtime.ThecashlesspaymentratioinJapanincreasedby3.3percentagepointsyearonyear.ReadmoreNote(s):Japan;2014to2023Source(s):METI(Japan);VarioussourcesNumberofcashlesspaymenttransactionsinJapanfrom2018to2022,bypaymentmethod(inmillions)CashlesspaymentvolumeinJapan2018-2022,bypaymentmethodCreditcardpaymentsDebitcardpaymentsElectronicmoneypaymentsQRcodepayments35,00030,00025,00020,00015,00010,0005,00007,0404,8952,7285,8827428165,740623525,8532405,9234956,23434115,849202213,936202112,705202011,423201910,06020186Description:In2022,consumersinJapanmadearound15.8billioncreditcardpayments.Whilethenumberofcreditcardspaymentshassteadilyincreasedinpastyears,itsshareinthetotalvolumeofcashlesspaymentshasgraduallydeclined.ThenumberofQRcodeandbarcodepaymentsrosetooversevenbillion.ReadmoreNote(s):Japan;2018to2022Source(s):PaymentsJapan;VarioussourcesDistributionofthecashlesspaymentvolumeinJapanfrom2019to2022,bypaymentmethodDistributionofthecashlesspaymentvolumeinJapan2019-2022,bypaymentmethodCreditcardpaymentsDebitcardpaymentsElectronicmoneypaymentsQRcodepayments120%100%80%60%40%20%0%4.3%12.5%19.4%23.8%33.1%1.8%27.1%2.3%22.8%2.5%19.9%2.6%60.7%201958.1%55.3%202153.2%202220207Description:In2022,creditcardpaymentsaccountedfor53.2percentofthenumberofcashlesspaymentsinJapan.Theshareofcreditcardsandelectronicmoneypaymentshasdeclinedsince2019,whiletheshareofQRcodeandbarcodepaymentshasincreasedsignificantlyinthesameperiod.ReadmoreNote(s):Japan;2019to2022;basedonthenumberofpaymentsSource(s):PaymentsJapan;VarioussourcesAverageamountspentpercashlesspaymenttransactioninJapanfrom2020to2022,bypaymentmethod(inJapaneseyen)AmountspentpercashlesspaymenttransactioninJapan2020-2022,bypaymentmethodCreditcardpaymentsDebitcardpaymentsElectronicmoneypaymentsQRcodepayments5,087.86,0005,0004,0003,0002,0001,00004,984.44,994.64,3594,331.84,338.31,539.81,533.91,501.21,018.81,0401,034.42020202120228Description:In2022,consumersinJapanspentanaverageof5,087.8Japaneseyenpercreditcardpayment.Thelowestamountperpaymentwasrecordedforelectronicmoney.

ReadmoreNote(s):Japan;2020to2022Source(s):PaymentsJapan;VarioussourcesMostusedcashlesspaymentmethodsinJapanasofMarch2024MostusedcashlesspaymentmethodsinJapan2024Shareofrespondents0%10%20%30%40%50%60%70%69.6%80%CreditcardsQRcodeandbarcodepaymentsDirectdebit41.9%33.5%31.9%Contactlesselectronicmoney*PaymentofbillsthroughconveniencestoresandotheragentsMoneytransfersoverthecounteratbanksorviaATMsOnlineand/ormobilebanking**Cashondelivery14.3%13.6%11.3%7.9%7%4.3%PrepaidcardsDebitcards***Otherthantheabove

0.3%Cashonly6.9%9Description:CreditcardswerethemostusedcashlessmeansofpaymentinJapan,accordingtoasurveyconductedfromFebruarytoMarch2024.Around70percentoftherespondentsstatedthattheyusedcreditcardsintheirdailylives,while6.9percentonlyusedcash.ReadmoreNote(s):Japan;February8toMarch5,2024;1,999respondents;20yearsandolder;multipleanswerspossibleSource(s):BankofJapanCHAPTER

02CreditcardsValueofcreditcardpurchasetransactionsinJapanfrom2014to2023(intrillionJapaneseyen)CreditcardsalesinJapan2014-202312010080105.7393.7981.0274.4673.4366.6958.376053.9349.8346.2740200201420152016201720182019202020212022202311/statistics/865577/japan-credit-card-sales-newIn2023,creditcardpurchasetransactionsinJapanamountedtoabout105.7trillionJapaneseyen.Thisrepresentedanincreaseof12.7percentcomparedtothepreviousyear.Creditcardshavebeentheleadingcashlesspaymentmethodinrecentyears.ReadmoreNote(s):2014to2023Source(s):CreditInformationCenter;JapanConsumerCreditAssociationNumberofcreditcardsissuedinJapanfrom2014to2023(inmillions)IssuedcreditcardsinJapan2014-2023350308.6301.01295.31292.9630025020015010050283.94278.27272.01267.22266258.90201420152016201720182019202020212022202312Description:In2023,thenumberofcreditcardsissuedinJapanreached308.6million.Thenumberincreasedby2.5percentfromover301millioncardsinthepreviousyear.

ReadmoreNote(s):2014to2023;asofMarcheachyearSource(s):JapanConsumerCreditAssociationDistributionofcreditcardcontractsinJapanasofDecember2023,byagegroupDistributionofcreditcardcontractsinJapan2023,byagegroup35%30%25%20%32.9%22%19.3%14.2%15%9.3%10%5%2.2%0%22yearsandyounger23to30years31to40years41to50years51to60years61yearsandolder13Description:AsofDecember2023,consumersaged61andolderaccountedfor32.9percentofcreditcardholdersinJapan.Theshareofcreditcardcontractsgrewproportionallywithincreasingage.Attheendof2023,thenumberofcreditcardcontractsinJapanreachedover287.6million.ReadmoreNote(s):Japan;2023;asofDecemberSource(s):CreditInformationCenter;JapanConsumerCreditAssociationDistributionofcreditcardcontractsinJapanasofDecember2023,byagegroupandgenderDistributionofcreditcardcontractsinJapan2023,byagegroupandgenderMaleFemaleNoentry35%0.2%30%25%20%15%15.3%0.4%0.6%8.9%10.4%0.7%6.5%10%5%0.7%4.3%17.5%11.3%9.8%7.1%0.3%4.4%0.9%1%0%22yearsandyounger23to30years31to40years41to50years51to60years61yearsandolder14Description:AsofDecember2023,consumersaged61andolderaccountedforaround33percentofcreditcardholdersinJapan.About17.5percentofthoseconsumersweremen.Theproportionofmalecreditcardholderswasgenerallyhigher.

ReadmoreNote(s):Japan;2023;asofDecemberSource(s):CreditInformationCenter;JapanConsumerCreditAssociationValueoftransactionsinthecreditcardindustryinJapanfrom2014to2023,bytypeofissuer(intrillionJapaneseyen)TransactionvalueofthecreditcardindustryinJapan2014-2023,bytypeofissuerBanksCreditcompaniesRetailcompaniesOthers10090807060504030201005.164.7520.394.319.115.0618.74.3517.34.8217.694.5130.494.214.117.8512.9226.353.9917.1610.9416.4221.715.8315.8715.2718.129.2519.8520167.85196.8835.61202330.425.31201925.45202123.27201823.42202021.41201718.1320142015202215Description:In2023,banksweretheleadingtypeofcreditcardissuerinJapan,withatransactionvalueamountingtoaround35.6trillionJapaneseyen.Thetotalvalueoftransactionsinthecreditcardindustryincreasedbyabout13.7percentcomparedtothepreviousyear.ReadmoreNote(s):Japan;2014to2023;postalandonlinequestionnaireSource(s):METI(Japan)ValueofcreditsalestransactionsinthecreditcardindustryinJapanfrom2014to2023,bysaleschannel(intrillionJapaneseyen)ValuesofcreditsalestransactionsinJapan2014-2023,bysaleschannelDepartmentstoresGeneralretailstoresRestaurantsInns/hotelsHospitalsandclinicsOverseasOthers454035302520151050201420152016201720182019202020212022202316Description:Withacreditsalestransactionvalueofabout21trillionJapaneseyen,generalretailstoresweretheleadingsaleschannelintheJapanesecreditcardindustryin2023,replacingdepartmentstoresforthesecondconsecutivetime.Thetransactionvalueindepartmentstoresamountedtoaround18.6trillionyen.ReadmoreNote(s):Japan;2014to2023;postalandonlinequestionnaireSource(s):METI(Japan)CHAPTER

03DebitcardsDebitcardtransactionvalueinJapanfromfiscalyear2015to2022(intrillionJapaneseyen)DebitcardtransactionvalueinJapanFY2015-20224.03.53.02.52.03.342.832.271.831.411.51.130.921.00.50.00.772015201620172018201920202021202218Description:Inthefiscalyear2022,transactionswithJapanesedebitcardsamountedto3.34trillionJapaneseyen.Comparedtothepreviousyear,thevalueofdebitcardtransactionsincreasedbyaround17.8percent.

ReadmoreNote(s):Japan;fiscalyear2015to2022;theJapanesefiscalyearstartsonApril1ofthestatedyearandendsonMarch31ofthefollowingyearSource(s):BankofJapanNumberoftransactionswithdebitcardsinJapanfromfiscalyear2015to2022(inmillions)DebitcardtransactionvolumeinJapanFY2015-20229008007006005004003007706535253782601782001147810002015201620172018201920202021202219Description:Inthefiscalyear2022,around770milliontransactionswithdebitcardswererecordedinJapan.Thetransactionvolumeincreasedbyalmost18percentyearonyear.Theaverageamountofmoneyspentperdebitcardtransactionremainedatthelevelofthepreviousyear.ReadmoreNote(s):Japan;fiscalyear2015to2022;theJapanesefiscalyearstartsonApril1ofthestatedyearandendsonMarch31ofthefollowingyearSource(s):BankofJapanAverageamountspentperdebitcardtransactioninJapanfromfiscalyear2015to2022(inJapaneseyen)AmountspentperdebitcardtransactioninJapanFY2015-202212,0009,90610,0008,0006,0004,0002,00008,0346,3495,4384,8394,32020204,33720214,33420222015201620172018201920Description:Inthefiscalyear2022,theaverageamountofmoneyspentperdebitcardtransactioninJapanwas4,334Japaneseyen,remainingatthelevelofthepreviousyear.Theaverageamountspentpertransactionhasdecreasedbymorethan50percentsincefiscalyear2015.ReadmoreNote(s):Japan;fiscalyear2015to2022;theJapanesefiscalyearstartsonApril1ofthestatedyearandendsonMarch31ofthefollowingyearSource(s):BankofJapanNumberofdebitcardsissuedinJapanfromfiscalyear2015to2022(inmillions)NumberofdebitcardsissuedinJapanFY2015-2022500465.39459.62456.46453.79445.13439.0345040035030025020015010050428.93425.2702015*201620172018201920202021202221Description:Inthefiscalyear2022,thenumberofdebitcardsissuedinJapanreached465.39million.Thiswasanincreaseofmorethan5.7milliondebitcardscomparedtothefiscalyear2021.

ReadmoreNote(s):Japan;fiscalyear2015to2022;theJapanesefiscalyearstartsonApril1ofthestatedyearandendsonMarch31ofthefollowingyear;asofSeptembereachyear*;*Figuresfor2015showthenumberofissueddebitcardsasoftheendof[...]

ReadmoreSource(s):BankofJapanCHAPTER

04ElectronicmoneyValueoftransactionswithelectronicmoneyinJapanfrom2014to2023(intrillionJapaneseyen)E-moneytransactionvalueJapan2014-2023766.416.086.035.975.755.485.25.145432104.644.01201420152016201720182019202020212022202323Description:In2023,thevalueoftransactionsconductedviaelectronicmoneyinJapanamountedtoapproximately6.4trillionJapaneseyen,markinga5.3percentincreasecomparedtothepreviousyear.Thee-moneytransactionvolumealsoincreasedby4.7percentyearonyear.ReadmoreNote(s):Japan;2014to2023Source(s):BankofJapanNumberoftransactionswithelectronicmoneyinJapanfrom2014to2023(inbillions)E-moneytransactionvolumeinJapan2014-2023766.236.165.925.855.885.745.425.195432104.684.04201420152016201720182019202020212022202324Description:In2023,around6.16billiontransactionswithelectronicmoneywererecordedinJapan.Thenumberoftransactionsincreasedby4.7percentyearonyear.Thevalueofe-moneytransactionsreachedadecadehigh.

ReadmoreNote(s):Japan;2014to2023Source(s):BankofJapanAverageamountspentperelectronicmoneytransactioninJapanfrom2014to2023(inJapaneseyen)Amountspentpere-moneytransactioninJapan2014-20231,2001,0401,0341,0411,0199949939919591,0008006004002000936923201420152016201720182019202020212022202325Description:In2023,theaverageamountspentperpre-paidelectronicmoneytransactioninJapanwas1,041Japaneseyen.Bothe-moneytransactionvolumeandtransactionvalueincreasedyearonyear.

ReadmoreNote(s):Japan;2014to2023Source(s):BankofJapanNumberofpre-paidelectronicmoneyinstrumentsissuedinJapanfrom2014to2023(inmillions)Numberofe-moneyinstrumentsissuedinJapan2014-2023600500400533.08500.21470.07447.86423.71390.77358.33328.62294.533002001000255.34201420152016201720182019202020212022202326Description:AsofDecember2023,thenumberofpre-paidelectronicmoneyinstrumentsusingcontactlessintegratedcircuit(IC)chipsissuedinJapanamountedtoaround533million,upfromaround500millioninthepreviousyear.Over65millionofthemwereissuedonmobilephones.Japaneseelectronicmoneyservicesprovidersofferedthefirstpre-paide-moneycardsintheearly2000s.

ReadmoreNote(s):Japan;2014to2023;asofDecembereachyearSource(s):BankofJapanNumberofpre-paidelectronicmoneyinstrumentsissuedonmobilephonesinJapanfrom2014to2023(inmillions)Numberofe-moneyinstrumentsissuedonmobilephonesinJapan2014-2023706065.6856.9749.75044.440.0740302010036.2433.2830.9128.8727.22201420152016201720182019202020212022202327Description:AsofDecember2023,thenumberofpre-paidelectronicmoneyinstrumentsusingcontactlessintegratedcircuit(IC)chipsissuedonmobilephonesinJapanamountedtoaround65.68million.E-moneypaymentinstrumentsissuedonmobilephonesaccountedforover12percentofthetotalnumberofe-moneyinstrumentsissuedinJapan.Japaneseelectronicmoneyserviceprovidersofferedtheirfirstpre-paide-moneycardsintheearly2000s.

ReadmoreNote(s):Japan;2014to2023;asofDecembereachyearSource(s):BankofJapanAnnualaverageamountofexpenditureusingelectronicmoneyperhouseholdinJapanfrom2015to2023(inJapaneseyen)Averageamountofe-moneyspentperhouseholdJapan2015-202330,00025,00027,03425,59823,03222,23420,00015,00010,0005,000018,78816,77716,13316,27314,94120152016201720182019202020212022202328Description:In2023,householdsinJapanspentanaverageof27thousandJapaneseyenusingelectronicmoney.Theaveragee-moneyspendingperhouseholdhasincreasedsteadilyinrecentyears.

ReadmoreNote(s):Japan;2015to2023Source(s):MinistryofInternalAffairsandCommunications(Japan);StatisticsBureauofJapanCHAPTER

05QRcodepaymentservicesValueofQRcodepaymentsmadeatstoresinJapanfrom2018to2023(intrillionJapaneseyen)QRcodepaymentvalueatstoresinJapan2018-202316141210814.8510.87.3564.2421.120.17020182019202020212022202330Description:In2023,thetotalvalueofQRcodeandbarcodepaymentsmadeatphysicalandonlinestoresinJapanamountedtoaround14.9trillionJapaneseyen.QRcodepaymentservicesemergedasthesecond-mostpopularpaymentmethod,surpassingelectronicmoneyforthesecondconsecutivetimeduringthatyear.ReadmoreNote(s):Japan;2018to2023;includingpaymentsmadeonlineSource(s):PaymentsJapanValueofQRcodepaymentsinphysicalstoresinJapanfrom2022to2023(intrillionJapaneseyen)In-storeQRcodepaymentvalueinJapan2022-2023141212.01108.55864202022202331Description:In2023,QRcodeandbarcodepaymentswortharound12trillionJapaneseyenweremadeatphysicalstoresinJapan.Paymentsinphysicalstoresaccountedforthemajorityofthe?totalamountofQRcodepayments.Thenumberofin-storeQRcodepaymentsexceededovereightbillion.ReadmoreNote(s):Japan;2022to2023Source(s):PaymentsJapanNumberofQRcodepaymentsmadeatstoresinJapanfrom2018to2023(inmillions)QRcodepaymentvolumeatstoresinJapan2018-202310,0009,0008,0007,0006,0005,0004,0003,0009,361.047,892.524,895.322,717.8920202,000815.941,000051.992018201920212022202332Description:In2023,around9.36billionQRcodeandbarcodepaymentsweremadeatphysicaloronlinestoresinJapan.QRcodeandbarcodepaymenttransactionsaccountedfor23.8percentofthecashlesspaymentvolumein2022.

ReadmoreNote(s):Japan;2018to2023;includingpaymentsmadeonlineSource(s):PaymentsJapanValueofmoneytransfersviaQRcodepaymentservicesinJapanfrom2018to2023(inbillionJapaneseyen)ValueofmoneytransfersviaQRcodepaymentservicesinJapan2018-20231,2001,0008001,023.73652.99600400352.092021164.892020200047.4120198.3220182022202333Description:In2023,moneytransfersmadeviaQRcodeandbarcodepaymentservicesinJapanamountedtoclosetooveronetrillionJapaneseyen.The?numberofmoneytransfersincreasedtomorethan293million.

ReadmoreNote(s):Japan;2018to2023Source(s):PaymentsJapanNumberofmoneytransfersviaQRcodepaymentservicesinJapanfrom2018to2023(inmillions)VolumeofmoneytransfersviaQRcodepaymentservicesinJapan2018-2023350300250200150100293.25181.9496.73202144.3350012.6520192.57201820202022202334Description:In2023,around293.3millionmoneytransfersviaQRcodeandbarcodepaymentservicesweremadeinJapan.The?valueofmoneysentviaQRcodeservicesincreasedtoclosetooveronetrillionJapaneseyen.

ReadmoreNote(s):Japan;2018to2023Source(s):PaymentsJapanNumberofactiveusers(MAU)ofQRcodepaymentservicesinJapanfrom2018to2023(inmillions)NumberofactiveusersofQRcodepaymentservicesinJapan2018-2023807060504075.5760.6348.7336.363018.55201003.5520182019202020212022202335Description:In2023,thenumberofactiveusers(MAU)ofQRcodeandbarcodepaymentservicesinJapanreachedaround75.6million,anincreaseofcloseto15millionactiveuserscomparedto2022.ThevalueofQRcodepaymentsmadeinJapanhasincreasedconsiderablyinthepastyears.ReadmoreNote(s):Japan;2018to2023;asofendofDecembereachyearSource(s):PaymentsJapanCHAPTER

06ConsumerinsightsFrequencyofusingcashcomparedtosixmonthsagoinJapanasofMarch2024CashusagefrequencycomparedtosixmonthsagoinJapan2024Increased9%Decreased40.6%Remainedthesame50.3%37Description:InasurveyconductedfromFebruarytoMarch2024,around40.2percentoftherespondentsinJapanstatedthattheyusedcashlessfrequentlythansixmonthsearlier.49.8percentstatedthattherehadbeennochange.

ReadmoreNote(s):Japan;February8toMarch5,2024;1,999respondents;20yearsandolderSource(s):BankofJapanLeadingreasonsforusingcashlesspaymentmethodsinJapanasofMarch2024ReasonsforusingcashlesspaymentmethodsinJapan2024Shareofrespondents0%

10%20%30%40%50%60%70%Icangainbenefitssuchasrewardpointsand/ordiscounts65.8%Icanmakepaymentsquicklyandeasily63.8%Icansavetimeandeffort,suchasintermsofwithdrawingcashfromATMsand/orcarryingaroundcash44.7%Icangainaccesstoaccountstatementsand/orpaymentrecords28.5%Icanmakepaymentsatstoresandonlineretailersthatdonotacceptcash20.2%Icanchoosewhethertomakedeferredpayments,installmentpayments,orbonuspayments11.4%Other2.9%38Description:AccordingtoasurveyconductedfromFebruarytoMarch2024,benefitssuchasrewardpointsanddiscountsweretheleadingreasonforconsumersinJapantousecashlesspaymentmethods.Closeto66percentofrespondentssaidtheyuseddigitalpaymentmethodstogainbenefits.FollowingthemostrecenttaxhikeinOctober2019,theJapanesegovernmentintroducedarewardpointsystemforconsumersusingcashlesspaymentmethodsatsmallandmedium-sizedbusinessesas[...]

ReadmoreNote(s):Japan;February8toMarch5,2024;1,999*;20yearsandolder;multipleanswersallowed;*Amongrespondentswhostatedthattheyusedcashlesspaymentsinapreviousquestion.Around6.9percentoftherespondentsstatedthatthey[...]

ReadmoreSource(s):BankofJapanLeadingincentivestoincreasetheuseofcashlesspaymentmethodsinJapanasofMarch2024MajorincentivesencouraginguseofcashlesspaymentinJapan2024Shareofrespondents0%

10%20%30%40%50%60%54.2%51.5%Manybenefitssuchasrewardpointsand/ordiscountsNoriskofunauthorizedusePropermanagementofpersonalinformation44.4%42.4%Paymentscanbemadeinvariousplacesandsituations(e.g.,stores,restaurants,andtransportationfares),usingasinglepaymentinstrumentSimpleandeasyuse33.9%Paymentinstrumentsotherthancashcanbeusedevenintheeventofapoweroutageorunderunstablenetworkconditions28%FirmsandotherbusinessesofferingpaymentservicesarereliableOther22.4%1.6%39Description:AccordingtoasurveyconductedfromFebruarytoMarch2024,benefitslikediscountsandrewardpointswereanincentiveforaround54percentofconsumersinJapantousecashlesspaymentmethodsmorefrequently.FollowingthemostrecenttaxhikeinOctober2019,theJapanesegovernmentintroducedarewardpointsystemforconsumersusingcashlesspaymentmethodsatsmallandmedium-sizedbusinessesaswellasfoodserviceestablishments.Thepurposeofthemeasurewas[...]

ReadmoreNote(s):Japan;February8toMarch5,2024;1,999*;20yearsandolder;multipleanswersallowed;*Amongrespondentswhostatedthattheyusedcashlesspaymentsinapreviousquestion.Around6.9percentoftherespondentsstatedthatthey[...]

ReadmoreSource(s):BankofJapanOwnershipratioofcashlesssettlementservicesinJapanasofNovember2022,bypaymentmethodCashlesspaymentserviceownershiprateinJapan2022,bymethodShareofrespondents30%0%10%20%40%50%60%70%80%90%Creditcards(contact-type)Electronicmoney82%73%73%QRcodepaymentappsCreditcards(contactless-type)Otherprepaidcards,etc.ContactlessIC-typemobilepaymentappsDebitcards42%39%35%24%40Description:Contact-typecreditcardswerethemostownednon-cashmeansofpaymentinJapanaccordingtoasurveyconductedinNovember2022.Around82percentofrespondentsownedcontact-typecreditcards,whiletheshareofconsumersowningcontactlesstaptopaycreditcardswasmuchlowerat42percent.CreditcardswerefollowedbyelectronicmoneyandQRcodepaymentapps,withanownershiprateof73percent.

ReadmoreNote(s):Japan;November2022;3,000respondents;20-69yearsSource(s):PaymentsJapanPreferredpaymentmethodsforonlinepurchasesamongdigitalbuyersinJapanin2022LeadingpaymentmethodsamongJapaneseonlinebuyers2022Shareofrespondents0%10%20%30%40%50%60%70%80%Creditcardpayments**(excludingcashondelivery)75.9%ConveniencestorepaymentsElectronicmoneyandQRcodepayments***36.4%34.8%BanktransfersanddirectdebitviabankorpostofficescountersandATMsCashondelivery(COD)23%20.5%19%17.5%BanktransfersviaonlineormobilebankingPaymentaddedtointernetserviceproviderbillorcommunicationfees(directcarrierbilling)Other0.9%Noanswer6.2%41Description:AccordingtoasurveyconductedinJapanin2022,creditcards,debitcards,andATMcashcardsweretheleadingpaymentmethodusedtopayforonlineshoppingandonlinefinancialtransactions.Around75.9percentoftherespondentswhohadmadeonlinepurchasesinthepastyearreportedhavingusedcardpayments.Closeto35percentstatedtheyhadmadein-storepaymentsatconveniencestores.

ReadmoreNote(s):Japan;August2022;16,976*;15yearsorolder;postalquestionnaireande-mailsurvey;*19,056respondentsafterweightadjustments.**IncludingdebitcardsandATMcards(cashcards).***IncludingQRcodepaymentservices,Rakuten[...]

ReadmoreSource(s):e-Stat(Japan);MinistryofInternalAffairsandCommunications(Japan)UsagerateofdifferentcashlesspaymentservicesinJapanasofApril2023MostusedcashlesspaymentservicesinJapan2023Shareofrespondents0%5%10%15%20%25%30%35%40%45%50%55%PayPay(QRcodepaymentapp)RakutenCard(credit/debit/prepaid)PublictransportationICcards(FeliCa-basede-money)WAON(FeliCa-basede-money)49%46%37%21%21%AEONCard(credit/debit/prepaid)RakutenPay(QRcodepaymentapp)dBarai(QRcodepaymentapp)nanaco(FeliCa-basede-money)PayPayCard(credit/debit/prepaid)JCBCard(credit/debit/prepaid)20%17%16%16%14%auPAY(QRcodepaymentapp)dCard(DOCOMO)(credit/debit/prepaid)SumitomoMitsuiCard(credit/debit/prepaid)13%12%11%42Description:AccordingtoasurveyconductedinApril2023,PayPaywasthemostusedcashlesspaymentserviceinJapan.Whilearound49percentofconsumersreportedusingthetheQRcodepaymentapp,46percentstatedthattheyusedthecreditcardRakutenCard.ReadmoreNote(s):Japan;April11to13,2023;20,000respondents;16-69years;multipleanswerspossibleSource(s):InfcurionCHAPTER

07PaymentmethodusageUsagerateofcreditcardsinJapanasofApril