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图152022年全球分地区销售点支付方式交易额占比

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所属报告：

新大陆-公司深度报告：收单费率上行+海外硬件景气+鸿蒙加速渗透三维共振-240318（25页）.pdf

打包全文图表

分地区现金使用率变化与全球趋势一致，非现金支付渗透率提升。据 FIS 旗下Worldpay 发布的《2023 年全球支付报告》：（1）预计 2021 年至 2026 年间，亚太地区的现金使用量将减少一半，在销售点交易额的占比将从 16%降至 8%，移动支付和二维码支付的广泛运用将加速这一趋势。到 2026 年，包括韩国、中国、新西兰和澳大利亚在内的许多成熟消费经济体的现金使用量将降至销售点交易额的 10%以下。（2）欧洲的现金使用率继续迅速下降，现金在区域销售点交易额中占比从 2019 年的 40%下降到 2022 年的 22%。预计现金的复合年均增长率为-5%，到 2026 年将占区域销售点交易额的 15%。（3）拉美地区现金使用率下滑，移动支付使用率激增。2018 年至 2022年，现金在销售点交易额中的占比下降了近一半，从 58%下降到 31%。与此同时，数字钱包的占比增长了四倍。现金份额的下降以及数字钱包和非接触式卡的使用增加都可以归因于与疫情相关的限制。万事达卡的研究显示，现在拉丁美洲和加勒比地区，超过三分之一的当面支付都是非接触式的。（4）中东和非洲地区进入数字钱包时代，数字钱包已经成为中东和非洲第二大线上支付方式，占有 20%的份额。现金在整个地区销售点交易额中的占比正在迅速下降，从 2018 年的 73%下降到 2022 年的 43%。根据 FIS的预测，到 2026 年，现金占比将降至 29%。（5）数字钱包在北美电商支付市场处于领导地位。数字钱包经过 8 年稳步增长后，已经成为北美主要线上支付方式。同时虽然消费者习惯在转变，但是信用卡的使用率仍然很高，先买后付（BNPL）和数字钱包使用率的日益攀升并没有动摇信用卡的地位。实体信用卡仍占线上交易额的近三分之一，占销售点交易额 40%左右。GlobalData 的数据显示，信用卡在美国和加拿大的普及率都很高（分别占 59%和 67%）。

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