全球金融科技行业市场前景及投资研究报告-培训课件外文版2024.4

DIGITAL

&

TRENDSFintechCHAPTER

01OverviewNumberoffintechsworldwidefrom2018to2024,byregionNumberoffintechsworldwide2018-2024,byregionAmericasEMEAAPAC35,00030,00025,00020,00015,00010,0005,00005,8865,0619,6816,2689,3234,7657,38510,9692,8643,5812,8493,58313,100202411,651202310,75520218,77520205,68620185,77920194Description:AsofJanuary2024,theAmericas(NorthAmerica,SouthAmerica,CentralAmerica,andtheCaribbean)weretheregionwiththelargestnumberoffintechsglobally.Therewereapproximately13,100fintechsintheAmericas,almost1,500morethanayearbeforethat.Incomparison,therewere10,969fintechsintheEMEAregion(Europe,theMiddleEast,andAfrica)and5,886intheAsiaPacificregion.In2023,theUnitedStatesrankedfirstintermsofthenumberoffintechunicornsglobally,[...]ReadmoreNote(s):2018to2024Source(s):BCG;CrunchBase;Numberoffintechusersworldwidefrom2017to2023,withforecastsfrom2024to2028,bysegment(inbillions)Numberoffintechusersworldwide2017-2028,bysegmentDigitalPaymentsDigitalAssetsDigitalInvestmentNeobanking6.05.04.03.02.01.00.02017201820192020202120222023202420252026202720285Description:Overtheforecastperioduntil2028,thenumberoffintechusersisforecasttoexhibitfluctuationsamongthefourobservedsegments.Thenumberofdigitalpaymentsusersisforecasttogrowgradually,reaching4.81billionin2028.AccordingtoMarketInsights,allothersegmentsareforecasttoincreasetheiruserbaseaswell,thoughtheyareestimatedtoremainwellbelowthenumberofdigitalpaymentsusers.

ReadmoreNote(s):Worldwide;2017to2023;datashownisusingcurrentexchangeratesandreflectsmarketimpactsoftheRussia-UkrainewarSource(s):DigitalMarketInsightsRevenueoffintechindustryworldwidefrom2017to2023,withforecastsfrom2024to2028(inbillionU.S.dollars)Revenueoffintechindustryworldwide2017-202816014012010080141.18136.54129.7120.29103.7579.386050.139.7620224020010.2620202.552.511.5920172018201920212023202420252026202720286Description:Therevenueoftheglobalfintechindustryincreasedsharplybetween2017and2023.In2023,thetotalrevenueoftheindustrywasestimatedat79.38billionU.S.dollars.Accordingtoforecasttoincreasefurtherinthecomingyears,exceeding141.18billionU.S.dollarsin2028.ReadmoreMarketInsights,therevenueoftheglobalfintechsectorisNote(s):Worldwide;2017to2023;datashownisusingcurrentexchangeratesandreflectsmarketimpactsoftheRussia-UkrainewarSource(s):DigitalMarketInsightsTransactionvalueoffintechindustryworldwidefrom2017to2023,withforecastsfrom2024to2028,bysegment(intrillionU.S.dollars)Transactionvalueoffintechindustryworldwide2018-2028,bysegmentDigitalPaymentsNeobankingDigitalCapitalRaising302520151050201820192020202120222023202420252026202720287Description:Significantfluctuationsintransactionvalueareestimatedforallsegmentsoftheglobalfintechindustryovertheforecastperiod.Overall,theindicatorappearstofollowapositivetrend,astherearemoreincreasingvaluesthandecreasingvaluesexpectedintheindividualsegmentsuntil2028.Amongthem,thedigitalpaymentssegmentachievesthehighestvaluethroughouttheentireperiod,reaching15.53trillionU.S.dollarsin2028.ReadmoreNote(s):Worldwide;2017to2023;datashownisusingcurrentexchangeratesandreflectsmarketimpactsoftheRussia-UkrainewarSource(s):DigitalMarketInsightsTransactionvalueoffintechindustryworldwidefrom2017to2023,withforecastsfrom2024to2028,byregion(intrillionU.S.dollars)Transactionvalueoffintechindustryworldwide2017-2028,byregionAsiaNorthAmericaEuropeSouthAmerica10.09.08.07.06.05.04.03.02.01.00.02017201820192020202120222023202420252026202720288Description:Thetransactionvalueofthefintechindustryisforecasttoincreasenotablybetween2023and2028inallobservedregions.Theregionwiththehighesttransactionvaluebetween2019and2023wasAsia,followedbyNorthAmericaandEurope.Asiaisexpectedtoholditsleadingpositionintermsoftransactionvalueinthecomingyearsaswell.FurtherinformationandmethodologynotescanbefindinStatista'sDigitalMarketInsights.ReadmoreNote(s):NorthAmerica,Asia,Europe,CentralandSouthAmerica;2017to2023;datashownisusingcurrentexchangeratesandreflectsmarketimpactsoftheRussia-UkrainewarSource(s):DigitalMarketInsightsMarketcapitalizationoflargestfintechcompaniesworldwidein2024(inbillionU.S.dollars)Largestfintechcompaniesworldwide2024,bymarketcapMarketcapitalizationinbillionU.S.dollars200

3000100400500600Visa(UnitedStates)Mastercard(UnitedStates)Intuit(UnitedStates)Tencent(China)520.33395.64169.01146.06Fiserv(UnitedStates)AntFinancial(China)Paypal(UnitedStates)Stripe(Ireland)Square(UnitedStates)Nubank(Brazil)79.8778.566.265044.3541.5Adyen(Netherlands)Coinbase(UnitedStates)Chime(UnitedStates)39.1837.53259Description:FintechcompaniesheadquarteredintheUnitedStatesandChinaleadtherankingofthelargestfintechcompaniesworldwidebymarketcapitalization.AsofJanuary2024,thetwolargestcompanieswerethepaymentcompaniesVisaandMastercard,bothheadquarteredintheUnitedStates,withamarketcapitalizationofroughly520and396billionU.S.dollars,respectively.Intuit,acompanythatdevelopsfinancial,accounting,andtaxpreparationsoftware,rankedthird,and[...]ReadmoreNote(s):Worldwide;January2024;Thesourceusedvarioussourcestogettothisranking,withnumberssometimesstemmingfromdifferentdates.Thesourceadmitsarankinglikethis"hasitslimitations".Source(s):Google(GoogleFinance);Varioussources(Companyreports)Leadingfintechunicornsworldwidein4thquarter2023,byvaluation(inbillionU.S.dollars)MostvaluablefintechunicornsworldwideQ42023ValueinbillionU.S.dollars300102040505060StripeRevolut33Chime25Ripple15DevotedHealthPlaid12.912.7Brex12.3Deel1211.31111RipplingBoltC10Description:Inthefourthquarterof2023,Stripewasbyfarthemostvaluablefintechunicornworldwide,withamarketvaluationof50billionU.S.dollars.Revolutrankedsecond,withavaluationof33billionU.S.dollars,whichwasfollowedbyChime,Ripple,andDevotedHealth.ReadmoreNote(s):Worldwide;Q42023Source(s):CBInsightsCHAPTER

02InvestmentlandscapeValueandnumberofinvestmentsinfintechworldwidefrom2010to2023Investmentactivityinfintechglobally2010-2023Valueofinvestments(inbillionU.S.dollars)Numberofinvestments25020015010050900080007000600050004000300020001000002010201120122013201420152016201720182019202020212022202312Description:Thetotalvalueofinvestmentsintofintechcompaniesworldwideincreaseddrasticallybetween2010and2019,whenitreached216.8billionU.S.dollars.In2020,however,fintechcompaniessawinvestmentsdecreasenotably,droppingbelow125billionU.S.dollars.Investmentvalueincreasedagainin2021,uptomorethan225billionU.S.dollars.2022,however,wasanotherslowyearforfintech,asthevalueofinvestmentsdecreasednotably,althoughremainedwellabovethevalue[...]

ReadmoreNote(s):Worldwide;2010to2023Source(s):KPMG;PitchBookValueofinvestmentinfintechworldwidefrom1stquarter2014to4thquarter2023(inbillionU.S.dollars)Quarterlyvalueofinvestmentinfintechglobally2014-202316014012010080604020013Description:Thequarterlyvalueofinvestmentinfintechworldwidepeakedduringthethirdquarterof2019,withadealvalueofalmost145billionU.S.dollars.Afterthefirstquarterof2022,investmentvaluedroppednotably.Thedownwardtendencycontinuedin2023,withquarterlyinvestmentvaluedroppingevenfurther.Inthefourthquarterof2023,fintechfundingamountedto24.9billionU.S.dollars.ReadmoreNote(s):Worldwide;Q12014toQ42023Source(s):KPMG;PitchBookValueofinvestmentinfintechworldwidefrom2019to2023,byregion(inbillionU.S.dollars)Valueofinvestmentinfintechglobally2019-2023,byregion20192020202120222023140118.3117.912010080604020095.484.978.376.668.151.349.630.430.327.124.511.210.8AmericasEMEAAsia-Pacific14Description:Thevalueofinvestmentinfintechcompaniesworldwidedecreasednotablyin2023.Thatyear,thevalueofinvestmentwasthehighestintheAmericas,with78.3billionU.S.dollars,whichwasalsothesmallestdecreasecomparedto2022amongtheobservedregions.InEMEA,thevalueofinvestmenthalved,with2023recording24.5billionU.S.dollars.ThehighestlevelofdecreasewasseenintheAsia-Pacificregion,wherethevalueofinvestmentdroppedfrom51.3billionU.S.dollarsto10.8[...]

ReadmoreNote(s):Worldwide;2019to2023Source(s):KPMG;PitchBookValueofinvestmentinfintechworldwidefrom2014to2023inselectedsegments(inbillionU.S.dollars)Valueofinvestmentinfintechglobally2014-2023,byselectsegmentsPaymentsInsurtechRegtechCybersecurityWealthtechBlockchain/cryptocurrencyESG/greentech120100806040200201420152016201720182019202020212022202315Description:Thepaymentssegmentoftheglobalfintechindustryattractedthehighestvalueofinvestmentworldwidebetween2014and2023.In2023,thevalueofinvestmentintothissegmentamountedto20.7billionU.S.dollars,whichwasasharpdecreasecomparedtothepreviousyears.Almosteveryothersegmentexperiencedasimilardropininvestmentsin2023.Therewere,however,twofintechsegmentsthatattractedmoreinvestmentin2023thanin2022:insurtechandESG/greentech.The[...]

ReadmoreNote(s):Worldwide;2014to2023;Figuresincludeventurecapital,privateequity,andmergersandacquisitionsdeals.Source(s):KPMG;PitchBookValueofinvestmentinfintechworldwidefrom2014to2023,byinvestmenttype(inbillionU.S.dollars)Valueofinvestmentinfintechglobally2014-2023,byinvestmenttypeM&AVenturecapitalPrivateequity166.218016014012010080121.198.290.253.290.888.874.156.46047.346.345.645.74135.433.44023.420.417.313.920119.685.243.43.52.521.40201420152016201720182019202020212022202316Description:In2023,approximately56.4billionU.S.dollarsworthoffundingwasrecordedthroughM&Adealsinfintechsworldwide,whichmadeittheprevailingtypeofinvestmentinfintechbusinesses.Thevalueofventurecapitalinvestedinfintechwas46.3billionU.S.dollars.Thevalueofinvestmentdecreasedacrossallinvestmenttypesin2023.ReadmoreNote(s):Worldwide;2014to2023Source(s):KPMG;PitchBookValueandnumberofventurecapital(VC)investmentsinfintechworldwidefrom2014to2023VCinvestmentinfintechglobally2014-2023Valueofinvestments(inbillionU.S.dollars)Numberofinvestments140120100808000700060005000400030002000100006040200201420152016201720182019202020212022202317Description:Thevalueofventurecapital(VC)fintechfundingincreasedconsiderablybetween2014and2021,despitesomefluctuations.After2021,however,boththevalueandthenumberofVCfundingdealsdroppedsharply.In2023,thetotalvalueofVCinvestmentintofintechworldwidewas46.3billionU.S.dollars,downfrom88.8billionU.S.dollarsin2022.Thenumberofdealsalsofellsharply,from6,492to3,819.ReadmoreNote(s):Worldwide;2014to2023Source(s):KPMG;PitchBookValueofventurecapital(VC)investmentinfintechfrom2019to2023,byregion(inbillionU.S.dollars)ValueofVCinvestmentinfintech2019-2023,byregion201920202021202220238069.170605040302010044.729.228.426.326.622.619.417.715.411.811.38.58.17.8AmericasEurope,MiddleEast,AfricaAsia-Pacific18Description:TheAmericaswasbyfartheregionwiththehighestvalueofventurecapital(VC)fundinginthefintechsectorbetween2019and2023.ThetotalvalueofVC-backedfintechfundingintheAmericasamountedto26.6billionU.S.dollarsin2023,whichwassignificantlyhigherthanintheEMEAandintheAsia-Pacificregion.Nevertheless,investmentvaluedroppedsharplyineveryobservedregionin2023,markingthesecondconsecutiveyearwithslowinginvestmentactivity.ReadmoreNote(s):Worldwide;2019to2023Source(s):KPMG;PitchBookLargestfintechdealsworldwidein2022and2023(inbillionU.S.dollars)Leadingfintechinvestmentdealsglobally2022-2023TransactionvalueinbillionU.S.dollars20232022051015202530Afterpay(Australia)Avalara(U.S.)27.98.4Sia(Italy)3.9BottomlineTechnologies(U.S.)Tink(Sweden)2.62.12.11.8Yayoi(Japan)InteractiveInvestor(UK)Billtrust(U.S.)ComputerServices(U.S.)FNZ(UK)1.71.61.411.7BlackKnight(U.S.)Adenza(U.S.)10.519Description:Theworld'slargestfintechdealin2022wasthepaymentplatformSquareacquiringAustralian-basedAfterpay,anM&Adealwithavalueof27.9billionU.S.dollars.In2023,theM&AdealwithBlackKnightwasthelargestfintechdeal,withadealvalueof11.7billionU.S.dollars.Eightoutofthe10largestfintechdealsof2023wereregisteredintheUnitedStates.ReadmoreNote(s):Worldwide;2022and2023Source(s):KPMG;PitchBookCHAPTER

03DigitalbanksPenetrationrateofonlinebankingworldwidein2023,bycountryOnlinebankingpenetrationworldwide2023,bycountryPenetrationrate0%10%20%30%40%50%60%70%80%90%100%110%UnitedKingdomNorway98.41%95.77%IcelandFinland95.43%94.55%DenmarkNetherlandsIrelandSwedenEstoniaLatviaSouthKoreaBelgium94.02%90.52%86.17%83.48%83.37%82.18%80.96%79.69%79.52%Switzerland21Description:Sixoutof149observedcountrieshadanonlinebankingpenetrationrateexceeding90percentin2023.TheUnitedKingdomledtheranking,withapenetrationrateof98.41percent.ItwasfollowedbyNorwayandIceland,withpenetrationratesof95.77percentand95.43percent,respectively.The10countrieswiththehighestonlybankingpenetrationwereallEuropeancountries.Thenon-EuropeancountrywiththehighestpenetrationratewasSouthKorea,with80.96percent.

ReadmoreNote(s):Worldwide;2023;Allvaluesareestimates.Source(s):Numberofnewchallengerbankslaunchedannuallyworldwidefrom2014to2022Numberofnewchallengerbanksworldwide2014-202210090807060504094835957565133302010021820142015201620172018201920202021202222Description:Challengerbankshavebeenincreasinginpopularityandhavebeengrowinginnumberinrecentyears.Asthegraphshows,thenumberofchallengerbankslauncheshasgrownyear-on-yearuntil2020.In2021and2022,whilethenumberofchallengerbanksstillincreased,thepaceofincreasesloweddown.In2022,56newchallengerbankswerelaunched,threelessthaninthepreviousyear.

ReadmoreNote(s):Worldwide;2014to2022Source(s):Simon-Kucher&Partners;NumberofdigitalbanksworldwideasofJanuary2024,byregionNumberofdigitalbanksworldwide2024,byregionNumberofchallengerbanks020406080100120EuropeNorthAmerica11074SouthAmerica57Asia-Pacific47AfricaandMiddleEast1823Description:Digitalbankshavebeenincreasinginpopularityandgrowinginnumberinrecentyears.AsofJanuary2024,Europewashometo110digitalbanks,thehighestacrosstheworld.NorthAmericaandSouthAmericacounted74and57digitalbanks,respectively.Digitalbanks(oftenreferredtoasneobanks,challengerbanks,onlinebanks,orapp-onlybanks)didnotonlygrowinnumberbutalsoincustomerbase,withsomeofthelargestdigitalbankscountingmorethan100millioncustomers.

ReadmoreNote(s):Worldwide;January2024Source(s):Website(NeoBanks.app)Netinterestincomeofthedigitalbankingindustryworldwidefrom2017to2023,withforecastsfrom2024to2028(inbillionU.S.dollars)Netinterestincomeofdigitalbanksworldwide2017-2023,withforecaststo20281,4001,219.321,2001,00080060040020001,149.511,061.02956.34822.52650.28470.78324.932021201.322020124.59201964.37201837.832017202220232024202520262027202824Description:Thenetinterestincomeofthedigitalbankingindustrymultipliedinrecentyears,reaching650billionU.S.dollarsin2023.AccordingtoFinancialMarketInsights,thenetinterestincomeofdigitalbankswillincreaseevenfurtherinthefollowingyears,exceeding1.2trillionU.S.dollarsin2028."ReadmoreNote(s):Worldwide;2017to2023Source(s):Valueofcustomerdepositsatdigitalbanksworldwidefrom2017to2023,withforecastsfrom2024to2028(inbillionU.S.dollars)Valueofdepositsatdigitalbanksworldwide2017-2023,withforecaststo2028353030.1528.4426.3125201510523.7420.3816.2811.7520228.744.962.91.650.9302017201820192020202120232024202520262027202825Description:Between2017and2023,thevalueofcustomerdepositsatdigitalbanksworldwidegrewsharply,reaching16trillionU.S.dollarsin2023.AccordingtoStatista'sFinancialMarketInsights,thevalueofdepositsisforecasttogrowevenfurtherinthefollowingyears.By2028,thetotalvalueofcustomerdepositsisestimatedtoexceed30trillionU.S.dollars."ReadmoreNote(s):WorldwideSource(s):Numberofusersatselecteddigitalchallengerbanksworldwidein2023(inmillions)Numberofcustomersatselecteddigitalbanksworldwide2023Numberofusersinmillions100

150050200250300350400WeBank(China,December2022)Rakuten(Japan,June2023)Nubank(Brazil,October2023)PayTM(India,January2023)CashApp(U.S.,March2023)Inter(Brazil,December2023)Revolut(UK,Oct2023)362136.390895330353026Toss(SouthKorea,2023)Neon(Brazil,September2023)C6Bank(Brazil,August2023)Chime(U.S.,2023)2521.621.2KakaoBank(SouthKorea,March2023)Papara(Turkey,December2023)1826Description:In2023,thedigitalbankwiththelargestuserbasewasWeBank.TheChineseneobankreported362millioncustomersattheendof2022,byfarthehighestnumberofcustomersamongtheobservedneobanks.ItwasfollowedbyRakuten,with136.3millioncustomersinJune2023.Nubankrankedthird,with90millionusersinOctober2023.InEurope,Revolutwastheleadingneobankintermsofcustomerbase,with30millioncustomers.Alongwiththenumberofcustomers,WeBank'snet[...]

ReadmoreNote(s):Worldwide;2023Source(s):Varioussources(websites,annualreports,pressreleases)LeadingdigitalbanksworldwideasofJuly2023,bycapitalraised(inmillionU.S.dollars)Leadingdigitalbanksworldwide2023,bycapitalraisedValueinmillionU.S.dollars2,000

2,50005001,0001,5003,0003,5004,0003,9004,500NubankRakutenChime2,3002,3002,300C6BankJudoBankRevolutN261,8001,7001,700Wise1,300Monzo1,1001,100StarlingBank27Description:AsofJuly2023,Nubankwasthedigitalbankwhichraisedthemostcapitalsinceitsestablishmentin2013.Sincethen,theBraziliandigitalbankraisedatotalofapproximately3.9billionU.S.dollars.SecondintherankingcameRakuten,Chime,andC6Bank,whichraisedatotalof2.3billionU.S.dollars,each.ReadmoreNote(s):Worldwide;July2023Source(s):Website()CHAPTER

04DigitalpaymentsNumberofcashlesstransactionsworldwidefrom2013to2021,withforecastsfrom2022to2027,byregion(inbillions)Numberofdigitalpaymentsworldwide2013-2021withforecaststo2027,byregionAsia-PacificEuropeNorthAmericaLatinAmericaMiddleEast,Africa(MEA)2,5002,0001,5001,00050002013201420152016201720182019202020212022202320242026202729Description:ThenumberofcashlesspaymentsinAsia-PacificisforecasttobehigherthantransactionsinEuropeandNorthAmericacombined.ThisisaccordingtoresearchfromCapgeminiResearchInstituteforFinancialServicesAnalysis.In2022-themostrecentyearestimatedbythesource-440billionU.S.dollarsinnon-cashtransactionswerecarriedoutinAsia-Pacific.EuropeandNorthAmericafollowed,with254.6and204.4billionU.S.dollarsintransactionsrespectively.From2022onwards-[...]

ReadmoreNote(s):Worldwide;October2023Source(s):BankforInternationalSettlements;Capgemini;ECBMarketshareofdigital/mobilewalletsintotale-commercetransactionvalueworldwidein2022withaforecastfor2026,byregionDigitalwalletsshareine-commerceworldwide2022,byregion2022202680%70%60%50%40%30%20%10%0%73%69%54%49%41%32%32%29%28%27%21%20%WorldwideAsiaPacificNorthAmericaEuropeLatinAmericaMiddleEast&Africa30Description:DigitalwalletsweresignificantlymoreusedinAsia-Pacificthaninotherpartsoftheworldin2022.Walletsaccountedforalmost70percentofe-commercepaymentsintheregion,morethanroughly20percentinbothLatinAmericaandMEA.Walletsaccountedforlessthanhalfofglobale-commercepaymenttransactions,whichwillincreaseto54percentin2026.ReadmoreNote(s):Worldwide;March2023Source(s):GlobalData;IMF;McKinsey&Company;WorldBank;WorldpayShareofdigital/mobilewalletspaymentsasashareoftotalPOStransactionsvolumeworldwidein2021withaforecastfor2025Digitalwalletspaymentsontotaltransactionsinphysicalstoreworldwide20212021202560%50%40%30%20%10%0%56%44%39%29%21%15%15%15%12%10%8%8%WorldwideAsiaPacificMiddleEast&AfricaNorthAmericaLatinAmericaEurope31Description:In2021,Worldpayestimatedthatdigitalandmobilewalletpaymentsaccountedfor29percentoftotaltransactionsinphysicalstoresworldwideandwillfurtherincreaseto39percentby2024.MobilewalletshadthehighestmarketshareintheAsia-PacificRegion,accountingforapproximately40percentofPOSpayments.ReadmoreNote(s):Worldwide;2021Source(s):WorldpayPenetrationrateofmobilePOSpaymentsin34countriesworldwidein2023MobilePOSpaymentpenetrationratein34countriesworldwide2023Penetrationrate20%0%5%10%15%25%30%35%40%45%ChinaVietnam38.25%30.09%SouthKoreaSwedenSaudiArabiaIndia27.99%24.6%23.61%22.77%UnitedKingdomUnitedArabEmiratesDenmark22.66%22.37%21.41%20.94%20.28%JapanCanadaGermany20.2%20%Austria32Description:Fromtheselectedregions,therankingbypenetrationrateinthe'MobilePOSPayments'segmentofthefintechmarketisleadbyChinawith38.25percentandisfollowedbyVietnam(30.09percent).Incontrast,therankingistrailedbyUgandawith10.36percent,recordingadifferenceof27.89percentagepointstoChina.ReadmoreNote(s):Worldwide;Jan1sttoDec31st2023Source(s):DigitalMarketInsightsApplePayusageeitherforonlinepaymentsoratPOSinvariouscountriesworldwideasofDecember2023ApplePaypenetration,onlineandoffline,in19countriesworldwideinQ42023Stores,

restaurants

or

other

POSOnline39%34%38%37%19%20%27%31%23%17%17%13%13%UnitedKingdomCanada68%65%60%53%60%55%45%41%43%45%38%35%30%UnitedStatesAustraliaFranceAustriaSwedenSwitzerlandNetherlandsGermanyFinlandItalySpain33Description:ApplePayuseintheUnitedStateswashigherthaninFranceorCanadabyearly2023,althoughnotwhenitcametoin-storepayments.WhencomparingtwoquestionsfromStatista'sConsumerInsights,sixoutof10respondentsfromFranceindicatedtheyhadusedApplePayinastoreorrestaurant-withanadditionaltwooutof10sayingtheyusedApplePayduringthissametimeforonlinepayments.ThemarketshareofApplePayonwebsiteswasalsohigherintheUnitedStates,[...]

ReadmoreNote(s):Worldwide;January2,2023,toDecember15,2023;12,000+percountry;18-64years;Internetusers;respondentswhousedonlinepaymentmethodsSource(s):ConsumerInsightsPayPalusageeitherforonlinepaymentsoratPOSinvariouscountriesworldwideasofDecember2023PayPalpenetration,onlineandoffline,in21countriesworldwideinQ42023Stores,

restaurants

or

other

POSOnline84%91%79%89%85%79%85%82%82%80%81%68%80%Mexico64%50%58%48%41%46%39%33%30%30%29%23%0%GermanyUnitedStatesItalySpainBrazilFranceAustriaUnitedKingdomCanadaAustraliaNetherlandsSouthAfrica34Description:PayPalwasusedmoreoftenforonlinepaymentsinbothGermanyandBrazilthanintheUnitedStates.ThisrevealsitselfwhencomparingtwoquestionsfromStatista'sConsumerInsights.Nearlyfiveoutof10consumersfromGermanyrepliedtheyhadusedPayPalinastoreorrestaurantbetweenApril2022andMarch2023-withnineoutoftenstatingtheyhadusedPayPalinonlinepayments.Interestingly,theglobalusercountofPayPaldeclinedthroughout2023.ReadmoreNote(s):Worldwide;January2,2023,toDecember15,2023;12,000+percountry;18-64years;Internetusers;RespondentswhousedonlinepaymentmethodsSource(s):ConsumerInsightsGooglePayusageeitherforonlinepaymentsoratPOSinvariouscountriesworldwideasofDecember2023GooglePaypenetration,onlineandoffline,in19countriesworldwideinQ42023Stores,

restaurants

or

other

POSOnline79%39%31%29%28%31%25%26%25%25%19%25%17%India82%33%36%32%30%26%31%27%27%27%32%25%32%PolandUnitedStatesFinlandCanadaBrazilUnitedKingdomSouthAfricaSwitzerlandSpainItalyAustraliaGermany35Description:GooglePaywasusedmoreoftenforin-storepaymentsinbothIndiaandSwitzerlandthanineithertheUnitedStatesortheUKinearly2023.ThisrevealsitselfwhencomparingtwoquestionsfromStatista'sConsumerInsightsaseightoutof10consumersfromIndiarepliedtheyhadusedGooglePay.Indiarankswithinthetopthreeofcountriesintheworldwiththehighestpenetrationofproximitymobilepayments.ReadmoreNote(s):Worldwide;January2,2023,toDecember15,2023;12,000+percountry;18-64years;Internetusers;RespondentswhousedonlinepaymentmethodsSource(s):ConsumerInsightsCHAPTER

05BNPLGlobaltransactionvalueofbuynow,paylater(BNPL)ine-commercefrom2019to2021,withforecastsfrom2022to2026(inbillionU.S.dollars)Annualbuynow,p