2006年非接触式付费市场报告

http://www.chinaccm.com 2006-8-14 17:39

【报告名称】 2006年非接触式付费市场报告
【出版日期】 2006年6月
【报告格式】 PDF
【报告价格】 全英文版本 原价：1695美元 现价：1356美元

报告简介：

尽管银行卡付费已在支付方式中有很高的占有率，但在小额交易中，银行卡付费并不是很普遍。因此，饱和的市场使得发行商们瞄准了这一领域的市场，而非接触式付费正是抓住这一市场的方式。但近来非接触式付费的市场发展的怎么样了呢？哪一类的市场才能提供最多的发展机会？市场的未来发展会是怎样？本报告正回答了这些问题。

报告研究范围：

本报告基于历史数据，提供了对近来全球非接触式付费市场发展的详细分析和整体概览。
美国市场成功投放的深入分析为非接触式付费成功进入其它市场提供了蓝图。
综合的Excel数据，提供了非接触式付费在6大商业部门，41个国家的市场规模。
非接触式付费在美国，亚太地区和欧洲的未来发展趋势。

报告价值：

发现非接触式付费最新的发展趋势，并发掘出您的主要市场目前的状态。
调研非接触式付费在成熟的和不成熟的信用卡市场中潜在的市场机遇。
通过对美国非接触式付费进入市场的分析来了解怎样成功使非接触式付费进入市场。

报告目录：

INTRODUCTION 10

What is this report about? 10
Who is the target reader? 10
How to use this report 11

INTRODUCTION TO CONTACTLESS PAYMENTS 12

Introduction 12
Defining contactless payments 12

Contactless payments offer an opportunity for issuers to grow transaction volumes and therefore revenues 13

Contactless payments allow issuers to account for a greater share of low value payments, offering significant potential benefits 13
Plastic cards in their present form can only account for a certain proportion of the overall payment landscape 13
Capturing a portion of these transactions will generate significant additional revenues for issuers 15

Contactless payments offer strong benefits for both consumers and merchants 16

Consumers benefit from greater speed, security and convenience 16
Merchants experience higher revenues and lower costs 17

Summary 18

RECENT DEVELOPMENTS IN CONTACTLESS 20

Introduction 20

Americas - the US is the most developed contactless payment market in the world 20

There are now over 10 million contactless devices in circulation in the US 21

Chase Bank's full commercial rollout has driven growth in the US 22
Chase Bank customers can now 'blink' their payments 23

Several other US issuers have since launched contactless 25

Product design and positioning in the US differ from that elsewhere 26
US contactless forms are all based on magnetic stripe technology, necessitating online authorization 26
There are also important differences in product positioning between the US and other markets 27

Current developments suggest further growth in the near future 28
Citibank is conducting a six-month trial of contactless payments at ticket barriers on the New York subway 28
Visa introduces a contactless Mini Card 28

Asia-Pacific - launches in several markets have resulted in growth across the region 29

Malaysia: the first market to deploy Visa Wave in mobile handsets 29
Taiwan: Visa Wave is also growing strongly in this market 30
Taiwan: MasterCard has announced a PayPass trial 30
South Korea: Visa Wave has become popular, with a mobile payments launch a probability 30
Singapore: Visa has teamed up with EZ-Link to offer contactless 31
MasterCard is conducting further trials across the region 31

Europe - no issuer has moved beyond the trial stage, but developments are imminent 32

UK: RBS the first to trial PayPass in Europe 32
However, Transport for London has dropped its own contactless plan 33

Germany: Vodafone launches contactless transport payments 33

Summary 34

SIZING THE CONTACTLESS OPPORTUNITY 35

Introduction 35

Contactless Payment Market Opportunity Model 35

The model covers 41 countries in three global regions, and focuses on six key retail sectors in each 35

The model presents data for 41 countries in three regions 36
Market sizing data is presented for each of the key retail sectors 37

Methodology and key assumptions 38

Stage 1: Collection of total sales revenue by sector 38
Stage 2: Breaking down this sales data by transaction value 38
Stage 3: Determining the value of cash payments within each of the individual value bands 39
Stage 4: Determining the range of values for contactless payments 40
Stage 5: Preparing the output 40

Contactless payments - a global opportunity of US$724.2 billion 40

Across each of the regions covered, the combined value of cash payments in the selected sectors was US$724.2 billion in 2004 41
Transactions in the range $5-25 present the greatest opportunity 42

Service station retailing accounts for more than half the value of cash payments in the target value range 42
Europe represents the largest opportunity at the regional level 43

Americas: the US accounts for the bulk of the contactless payment opportunity 44

Across the Americas, the total contactless payment opportunity is US$285 billion 44
Petrol retailing presents the single largest opportunity for contactless payments in the Americas 45

The US, Mexico, and Canada are the largest potential markets for contactless payments 46
As in the case of Asia-Pacific, the regional opportunity is concentrated in only a few markets 47
The petrol retail and fast food markets represent the largest opportunites in the US market 48
The petrol retail and convenience store sectors offer the greatest opportunities in Mexico 49
Petrol retailing and fast food lead the way in Canada 50

Asia-Pacific: Japan and China present the greatest opportunities 51

Across the region, the total contactless payment opportunity is US$149 billion 51
Petrol station retailing offers the greatest opportunity, but convenience stores also hold significant potential 52

Japan, China, and Australia are the largest potential markets for contactless 53
There are huge differences in the size of the contactless opportunity across the region 54
The petrol retail and convenience store sectors in Japan are particularly attractive 55
The convenience store market provides the greatest potential in China 56
In line with the rest of the region, the biggest opportunities in Australia are in petrol retailing and convenience stores 57

Europe: the UK and Germany present the greatest opportunities 58

Across the region, the total contactless payment opportunity is US$291 billion 58
Petrol retailing and convenience stores are the two sectors offering greatest potential 59

The UK, Germany, and Italy are the largest potential markets in Europe 60
The distribution of this opportunity is more even than in other regions 61
Petrol retailing and pubs and bars present are the largest sectors in the UK 62
The largest opportunities in Germany are in petrol retailing and convenience stores 63
The contactless payment opportunity in Italy is concentrated in the petrol retailing and convenience store sectors 63

Summary 64

THE FUTURE DECODED 66

Introduction 66

The future looks bright for contactless payments 66

The success of the rollouts suggests that the technology and the business model works for all parties 66
However, the costs of merchant acceptance are a potential problem area 66

A number of potential problems have been either solved or mitigated 67
A lack of interoperability is an obvious concern, but co-operation between the schemes should prevent this 67
Security remains a concern, but the potential losses can be limited 68
The costs of launching contactless were seen as a potential problem 68

However, contactless is still unlikely to be an overnight success 69
Generating momentum is the key 69

Issuers considering contactless should learn from the US rollout 70

Working with merchants is key to a successful launch 70
Targeting the right merchants is important in rapidly building acceptance 70
Making the necessary investment in physical and human capital to ensure a smooth operation 71

Looking ahead, growth in the US and Asia-Pacific looks set to continue, while there will soon be activity in Europe 71

Americas - success of Chase will inspire others to roll out contactless 71
Outside of the US, the future is less clear 71

Asia-Pacific - interest is strong in several markets, and this will drive future growth 72
Further trials hold the key to growth 72

Europe - current interest suggests strong growth in the future 72
EMV migration is the important factor in European development 72
Legacy ePurse systems also present an opportunity 73
The UK is seen to be the biggest prospect for contactless in Europe, but several other markets offer strong potential 73

APPENDIX 75

Supplementary data 76

Definitions 76

Card scheme 76
Chip card 76
Credit card 77
Debit card (pay now) 77
EMV 77
General purpose 77
Interchange 77
Macropayment 78
Micropayment 78
Merchant acquiring 78
Merchant Service Charge (MSC) 78
mPayment (mobile payment) 78
POS terminal 79
Smart card 79
SMS 79

Research methodology 79

Secondary sources 79
Primary sources 79

Future readings 80
Relevant links 80
Custom research capabilities 81
Cards and Payments Team contact details 83
How to contact experts in your industry 83

List of Tables

Table 1: US contactless devices in circulation and merchant acceptance by card scheme, 2005 22
Table 2: Timeline of US contactless payment launches, 2005-2006 26
Table 3: Geographic coverage in Contactless Payments Market Opportunity Model, 2006 36
Table 4: Payment value ranges in Contactless Payments Market Opportunity Model, 2006 39
Table 5: Combined household expenditure of France, Germany, Italy, Spain, UK, and USA split by payment method, 1999-2003 76
Table 6: Current relevant publications, 2006 80
Table 7: Future relevant publications, 2006 80

List of Figures

Figure 1:   The share of cash within the value of all household expenditure in France, Germany, Italy, Spain, UK, and USA is falling, 1999-2003 15
Figure 2:   MasterCard is the leading contactless card scheme in the US, 2005 22
Figure 3:   Key facts about Chase Bank's contactless offering, 2006 23
Figure 4:   Screenshots from Chase Bank's US contactless card commercial, 2005 24
Figure 5:   The global market opportunity for contactless payments in the selected sectors was US$724.2 billion, 2004 41
Figure 6:   Petrol station retailing accounts for more than half the value of cash payments below $25, 2004 43
Figure 7:   Europe represents the largest contactless payment opportunity at the regional level, 2004 44
Figure 8:   The market opportunity for contactless payments in the Americas was US$284.8 billion in 2004 45
Figure 9:   Petrol retailing and fast food are a US$207.5 billion contactless payment opportunity in the Americas, 2004 46
Figure 10: The US, Mexico, and Canada present the largest potential opportunity for contactless payments, 2004 47
Figure 11: Petrol retailing and fast food present the largest opportunities in the US, 2004 48
Figure 12: Petrol retailing and convenience stores offer the greatest opportunities in Mexico, 2004 49
Figure 13: Petrol retailing and fast food are the most important sectors in Canada in terms of the contactless payment opportunity, 2004 50
Figure 14: The market opportunity for contactless payments in the Asia-Pacific region is US$148.5 billion, 2004 52
Figure 15: Petrol station and convenience store retailing are a US$109.9 billion opportunity in Asia-Pacific, 2004 53
Figure 16: Japan and China present the largest opportunity for contactless payments, 2004 54
Figure 17: Petrol retailing and convenience stores present the greatest opportunities in Japan, 2004 55
Figure 18: Convenience stores are the sector presenting the greatest contactless payment opportunity in China, 2004 56
Figure 19: Petrol retailing offers the largest opportunity in Australia, 2004 57
Figure 20: The potential market for contactless payments in Europe is US$290.9 billion, 2004 59
Figure 21: Petrol retailing and convenience stores are a US$231 billion opportunity in Europe, 2004 60
Figure 22: The UK, Germany, and Italy present the largest opportunity for contactless payments in Europe, 2004 61
Figure 23: Petrol retailing and pubs and bars present the greatest opportunities in the UK, 2004 62
Figure 24: Petrol retailing and convenience stores present the greatest opportunities in Germany, 2004 63
Figure 25: Petrol retailing and convenience stores present the greatest opportunities in Italy, 2004 64
Figure 26: Core Consulting Capabilities 82
                                                                                                                             more...