• 内刊赠阅
  • |
  • |
  • 行业内参
  • |
  • 帮助中心
  • |
  • 关于我们
  • |
注 册
中国+86
  • +123
  • +125
  • +666
  • +666
  • +555555
  • +666
  • +666
  • +666
请输入真实手机号
请输入图片验证码
请输入短信验证码
请输入密码

已有账号,

忘记密码
中国+86
  • +123
  • +125
  • +666
  • +666
  • +555555
  • +666
  • +666
  • +666
请输入真实手机号
请输入图片验证码
请输入短信验证码
请输入新密码

已有账号,

关于“第三方支付”的报告

本报告研究涉及企业/品牌/案例:支付宝、PayPal、拉卡拉、Square。

中美第三方支付产业主要由转接清算组织、账户侧支付机构、收单侧支付机构以及软硬件供应商构成,产业规模效应明显,部分环节已经形成寡头竞争甚至垄断格局。受制于监管政策以及市场成熟度的影响,中美第三方支付产业在账户侧市场以及收单侧市场的差异尤为明显。技术创新助推移动支付成为市场主流,2019年中美移动支付用户规模分别为7.33亿人和0.64亿人,市场渗透率相差较大。中国移动支付在账户侧市场已经形成寡头存量争夺局面,需要靠扩大场景覆盖以及业务创新来驱动发展;美国移动支付账户侧市场发展较慢仍处于扩张阶段。在收单侧市场,具备长尾效应的中小商户成为中美收单侧支付机构争夺的焦点,围绕支付业务向商户提供一站式支付解决方案是未来趋势。艾媒咨询分析师认为,在全球数字化发展的浪潮中,支付机构的赋能作用以及价值创造能力将进一步提升,尤其在商户服务领域,围绕支付业务打造闭环服务生态具有巨大增长潜力,以Square和拉卡拉为代表的先行者发展前景广阔。

The third-party payment industries in China and in the United States are mainly composed of payment and settlement organizations, account-side payment institutions, acquirer-side payment institutions, and software and hardware suppliers. The industry scale effect is obvious, and oligopoly and even monopoly have appeared in some links of the industry. Due to the influence of regulatory policies and market maturity, the differences between the Chinese and American third-party payment industries in the account-side market and the acquiring-side market are particularly obvious. Technological innovation has promoted mobile payment to become the mainstream of the market. In 2019, the scales of mobile payment users in China and in the United States were 733 million and 64 million, and the market penetration rate is quite different. Oligopoly has already appeared in China's mobile payment in the account-side market, and Chinese market needs to rely on expanding scenario coverage and business innovation to drive development; the US mobile payment account-side market is slow to develop and is still in the expansion stage. In the acquiring-side market, small and medium-sized merchants with long-tail effects have become the focus of competition among Chinese and American acquiring-side payment institutions. It is the future trend to provide merchants with one-stop payment solutions around payment services. iiMedia Consulting analyst believes that in the wave of global digital development, the enabling role and value creation capabilities of payment institutions will be further improved, especially in the field of merchant services. Building a closed-loop service ecosystem around payment businesses has huge growth potential. The pioneers represented by Lakala and Square has broad prospects for development.

本报告研究涉及企业/品牌包括:拉卡拉、联想控股、微信、支付宝、VISA、西藏旅游、考拉金服、财付通、银联商务、通联支付、汇付天下、国付宝、智付、杉德支付、联动优势、银盛支付、卡友支付、付临门支付、随行付、易生支付、北京爱农驿站、易宝支付

C端支付行业饱和,B端支付增速放缓。C端支付市场,支付宝、财付通双寡头格局形成。艾媒北极星系统显示2019年2月支付宝月活跃用户数高达55,651.99万,稳居第一地位,排名第二的翼支付仅有支付宝的1/7,排名第八的拉卡拉支付仅为支付宝1/813倍。B端支付市场方面,2018年联网POS机和银行卡联网商户数达2,733万台和3,451万户,同比增长9.49%和5.42%,增速有所下滑。同时,第三方支付行业政策趋严,2018年,央行对第三方支付违规处罚力度空前。第三方支付机构至少收到2.03亿元处罚。但随着行业逐步规范化,中小支付机构运作成本增大,行业资源将向更加规范的头部企业聚集,与其他体量较小的支付机构拉开差距。

C-end payment industry saturated, B-end payment growth slowed down. Alipay and Cai Fu Tong formed a duopoly pattern in the C payment market. Polaris System of iiMedia shows that the number of active users of Alipay in February 2019 has reached 556.52 million, ranking the first place. Second is Wing Payment accounting for only 1/7 of Alipay's, while the eighth ranked Lakala only 1/813 times of Alipay's. As for the B-end payment market, the number of online POS machines and bank cards reached 27.33 million and 34.51 million in 2018, an increase of 9.49% and 5.42% over the same period of last year, and the growth rate declined slightly. At the same time, the third-party payment industry policy has become stricter. In 2018, the central bank imposed unprecedented penalties on third-party payment violations. Third-party payment agencies received at least 203 million yuan in penalties. However, with the gradual standardization of the industry, the operating costs of small and medium-sized Payment institutions increase, and industry resources will gather to more standardized head enterprises, which will open the gap with other smaller payment institutions.

没找到想要的报告?

没有你想要的报告?立即告诉我们!

提交报告反馈

在线
客服