泰國數(shù)字支付行為市場調(diào)研和分析報(bào)告（英文版）-2024年1月上傳培訓(xùn)課件

DIGITAL

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TRENDSDigitalpaymentsinThailandCHAPTER

01OverviewCashlesspaymentsadoptionrateinSoutheastAsiain2021,bycountryCashlesspaymentsadoptionrateSEA2021,bycountryShareofrespondents0%10%20%30%40%50%60%70%80%90%100%97%110%SingaporeMalaysia96%95%95%94%92%IndonesiaVietnamThailandPhilippinesCambodiaSoutheastAsia68%93%3Description:Accordingtoasurveyfrom2021,theadoptionrateofcashlesspaymentsinSoutheastAsiawas93percent.Singaporehadthehighestadoptionrateof97percentinSoutheastAsia,whiletheadoptionratewas68percentinCambodiain2021.

ReadmoreNote(s):Asia;AugusttoSeptember2021;6,520respondents;18to65yearsSource(s):Clear;VisaInc.Marketshareofcash,creditcards,andotherpaymentmethodsatpointofsale(POS)inThailandin2017,2019,2020,2021,and2022Mostpopularin-storepaymentmethodsinThailand2017-2022201768%2%23%6%-201968%7%18%4%-202062%20%9%5%3%2%-202163%20%8%4%-202256%23%11%7%CashE-wallet,Digital/mobilewalletCreditcard(incl."chargecard"since2021)*DebitcardPOSfinancing*2%Prepaidcard2%-3%-1%4%1%Retailer/bankfinancing(splitofffrom"POSfinancing"in2021)*-BuyNow,PayLater(splitofffrom"POSfinancing"in2021)*---0%-4Description:ThemarketshareofwalletsinThaiPOSpaymentsincreasedsignificantlysince2020,althoughcashremainedadominantpaymentmethod.Indeed,althoughtheshareofcashinin-storepaymentsdeclinedto62percentin2020,ithadreboundedsomewhatoneyearlater.Whetherthisstaysthesameinyearstocome,remainstobeseen:TheforecastedCAGRofmobilepaymentsinThailandranksamongsomeofthehigherpercentagesfoundinAsiaPacific.Thesourcewritesthe[...]

ReadmoreNote(s):Thailand;2017,2019,2020,2021,2022;*Thesourcemadechangestoitscategoriesin2021,seethe"Details"tabformoreinformation.Source(s):GlobalData;IMF;McKinsey&Company;WorldBank;WorldpayPenetrationrateofthedigitalpaymentsmarketinThailandfrom2018to2027PenetrationrateofdigitalpaymentsinThailand2018-20277065.4963.8662.2460.6359.036056.2952.5948.465040302010044.3337.0920182019202020212022202320242025202620275Description:Thepenetrationrateinthe'DigitalPayments'segmentofthefintechmarketinThailandwasforecasttocontinuouslyincreasebetween2023and2027byintotal6.5percentagepoints.Aftertheninthconsecutiveincreasingyear,theindicatorisestimatedtoreach65.49percentandthereforeanewpeakin2027.Notably,thepenetrationrateofthe'DigitalPayments'segmentofthefintechmarketwascontinuouslyincreasingoverthepastyears.

ReadmoreNote(s):Thailand;2018to2027Source(s):NumberofusersofdigitalpaymentsinThailandfrom2018to2027(inmillions)NumberofusersofdigitalpaymentsinThailand2018-2027504546.144.9443.7742.641.4339.454036.7933.83353025201510530.8625.75020182019202020212022202320242025202620276Description:Thenumberofusersinthe'DigitalPayments'segmentofthefintechmarketinThailandwasforecasttocontinuouslyincreasebetween2023and2027byintotal4.7millionusers(+11.34percent).Aftertheninthconsecutiveincreasingyear,theindicatorisestimatedtoreach46.1millionusersandthereforeanewpeakin2027.Notably,thenumberofusersofthe'DigitalPayments'segmentofthefintechmarketwascontinuouslyincreasingoverthepastyears.

ReadmoreNote(s):Thailand;2018to2027Source(s):RevenueofthedigitalpaymentsmarketinThailandfrom2018to2027(inbillionU.S.dollars)RevenueofthedigitalpaymentsindustryinThailand2018-20276050403054.6649.9143.7238.3333.4728.7525.122010015.44202011.8420198.75201820212022202320242025202620277Description:Thetransactionvalueinthe'DigitalPayments'segmentofthefintechmarketinThailandwasforecasttocontinuouslyincreasebetween2023and2027byintotal21.2billionU.S.dollars(+63.34percent).Aftertheninthconsecutiveincreasingyear,theindicatorisestimatedtoreach54.66billionU.S.dollarsandthereforeanewpeakin2027.Notably,thetransactionvalueofthe'DigitalPayments'segmentofthefintechmarketwascontinuouslyincreasingoverthepastyears.

ReadmoreNote(s):Thailand;2018to2027Source(s):CHAPTER

02MobilepaymentValueofmobilebankingtransactionsinThailandfrom2017to2022(intrillionThaibaht)ValueofmobilebankingtransactionsThailand2017-202280706050403067.757.2640.227.63201917.6201009.55201720182020202120229Description:In2022,thevalueofmobilebankingtransactionsinThailandamountedtoaround67.7trillionThaibaht,whichwasanincreasecomparedtothepreviousyear.Thefiguresshowacontinuousincreasethroughouttheyearsforthevalueofmobilebankingtransactions.ReadmoreNote(s):Thailand;2017to2022Source(s):BankofThailandVolumeofmobilebankingtransactionsinThailandfrom2017to2022(inbillions)VolumeofmobilebankingtransactionsThailand2017-20222520151022.8416.049.595.352.91.31020172018201920202021202210Description:In2022,thevolumeofmobilebankingtransactionsinThailandamountedtoaround22.8billion,adistinctiveincreasecomparedtothepreviousyear.Thefiguresshowacontinuousriseinmobilebankingtransactionsinrecentyears.

ReadmoreNote(s):Thailand;2017to2022Source(s):BankofThailandNumberofusersofmobilePOSpaymentsinThailandfrom2018to2027(inmillions)NumberofusersofmobilePOSpaymentsinThailand2018-20271816.0715.7515.4416141210815.1615.1314.8314.7214.5210.837.66420201820192020202120222023202420252026202711Description:Thenumberofusersinthe'MobilePOSPayments'segmentofthefintechmarketinThailandwasforecasttocontinuouslyincreasebetween2023and2027byintotal1.2millionusers(+8.09percent).Afterthefifthconsecutiveincreasingyear,theindicatorisestimatedtoreach16.07millionusersandthereforeanewpeakin2027.ReadmoreNote(s):Thailand;2018to2027Source(s):ValueofPromptPaytransactionsinThailandfrom2017to2022(inbillionThaibaht)ValueofPromptPaytransactionsThailand2017-202250,00045,00040,00035,00030,00025,00020,00015,00010,00043,206.4332,741.5920,806.5413,184.5620195,426.895,0000327.0920172018202020212022*12/statistics/1131176/thailand-value-of-promptpay-transactionsIn2022,PromptPaytransactionsamountedtoapproximately43.2trillionbahtinThailand,whichsignificantlyincreasedfromthepreviousyears.PromptPayisanonlinepaymentsystembasedoninternetbanking,mobilebankingorATMservices.

ReadmoreNote(s):Thailand;2017to2022;*Preliminary.OneThaibahtequals0.029U.S.dollarsand0.026eurosasofJuly2023.Transactionsbyusingeasy-to-rememberidentificationssuchasmobilephonenumbers,nationalidentitynumbers,corporate[...]

ReadmoreSource(s):BankofThailandVolumeofPromptPaytransactionsinThailandfrom2017to2022(inmillions)VolumeofPromptPaytransactionsThailand2017-202216,00014,00012,00010,0008,00014,809.4710,067.196,0005,306.124,0002,576.9320192,0001,037.63201888.0420170202020212022*13/statistics/1131100/thailand-volume-of-promptpay-transactionsIn2022,PromptPaytransactionsamountedtoaround14.8billiontransactionsinThailand,whichsignificantlyincreasedfromthepreviousyears.PromptPayisanonlinepaymentsystembasedoninternetbanking,mobilebanking,orATMservices.

ReadmoreNote(s):Thailand;2017to2022;*Preliminary.Thefigureshavebeenrounded.Transactionsbyusingeasy-to-rememberidentificationssuchasmobilephonenumbers,nationalidentitynumbers,corporatetaxnumbers,e-walletnumbers,or[...]

ReadmoreSource(s):BankofThailandCHAPTER

03CardpaymentValueofpaymenttransactionsoncreditcardsinThailandfrom2013to2022(intrillionThaibaht)ValueofcreditcardpaymenttransactionsThailand2013-20222.52.02.051.881.681.61.571.551.511.431.51.00.50.01.371.262013201420152016201720182019202020212022*15Description:In2022,thevalueofcreditcardpaymenttransactionsmadeinThailandamountedtoapproximately2.1trillionThaibaht.Thiswasadistinctiveincreasecomparedtothepreviousyear,andwasthepeakofsuchvalueinthepastdecade.

ReadmoreNote(s):Thailand;2013to2022;dataincludedomesticandoverseaspendingofThaicreditcardsanddomesticspendingofforeigncreditcardsviaEFTPOSandinternet;*Preliminary.OneThaibahtequals0.029U.Sdollarsand0.026eurosasof[...]

ReadmoreSource(s):BankofThailandVolumeofpaymenttransactionsoncreditcardsinThailandfrom2013to2022(inmillions)VolumeofcreditcardpaymenttransactionsThailand2013-2022900800700600500850.43685.63648.8636.24541.52490.37443.25405.45387.364003002001000362.12013201420152016201720182019202020212022*16Description:In2022,thevolumeofcreditcardpaymenttransactionsinThailandamountedtoapproximately850.4milliontransactions.Thiswasasignificantincreasecomparedtothepaymentvolumeinthepreviousyear,whichamountedtoaround685.6milliontransactions.ReadmoreNote(s):Thailand;2013to2022;dataincludedomesticandoverseaspendingofThaicreditcardsanddomesticspendingofforeigncreditcardsviaEFTPOSandinternet;*Preliminary.OneThaibahtequals0.029U.Sdollarsand0.026eurosasof[...]

ReadmoreSource(s):BankofThailandValueofpaymenttransactionsofdebitcardsinThailandfrom2013to2022(inbillionThaibaht)ValueofdebitcardpaymenttransactionsThailand2013-20223002502002532502222042001991661501005013710810002013201420152016201720182019202020212022*17Description:In2022,thevalueofdebitcardpaymenttransactionsmadeinThailandamountedtoapproximately222billionThaibaht.Thiswasadecreasecomparedtothepeakvalueoftransactionsin2019,whichreachedaround253billionThaibaht.

ReadmoreNote(s):Thailand;2013to2022;dataincludedomesticandoverseaspendingofThaideditcardsanddomesticspendingofforeigndeditcardsviaEFTPOSandinternet;*Preliminary.OneThaibahtequals0.029U.Sdollarsand0.026eurosasofJuly[...]

ReadmoreSource(s):BankofThailandVolumeofpaymenttransactionsondebitcardsinThailandfrom2013to2022(inmillions)VolumeofdebitcardpaymenttransactionsThailand2013-2022250200150100224.71216.38181.11166.82154.58108.6674.3257.77201545.350038.31201320142016201720182019202020212022*18Description:In2022,thevolumeofdebitcardpaymenttransactionsinThailandamountedtoapproximately224.7milliontransactions.Thefiguresindicatedasteadyincreaseindebitcardpaymentvolumeinthecountrysince2013.ReadmoreNote(s):Thailand;2013to2022;dataincludedomesticandoverseaspendingofThaidebitcardsanddomesticspendingofforeigndebitcardviaEFTPOSandinternet;*Preliminary.OneThaibahtequals0.029U.Sdollarsand0.026eurosasofJuly[...]

ReadmoreSource(s):BankofThailandDistributionofcardschemesine-commercetransactionsinThailand2022,bytypeCardschemedistributiononlineshoppingThailand2022,bytypeOther1%AMEX1%Localschemes12%Mastercard23%Visa63%19Description:AccordingtothedataprovidedbyPPRO,moste-commercetransactionsin2022inThailandweresettledwithVisacards,accountingfor63percent.ThiswasfollowedbyMastercardwhichaccountedfor23percentofe-commercetransactions.

ReadmoreNote(s):Thailand;2022;basedone-commercetransactionvolumeSource(s):PPROCHAPTER

04E-walletande-moneyMarketshareofleadingmobilewalletappsinThailandin2023MarketshareofmobilewalletsThailand2023Other8.1%GrabPay4%mPAY4.9%ShopeePay5.7%TrueMoney52.0%RabbitLINEPay24.7%21Description:In2022,TrueMoneyWalletledthee-walletmarketinThailandwithnearly53percentofthemarketshare.ThiswasfollowedbyRabbitLinePay,withashareofaround25percent.ReadmoreNote(s):Thailand;asofMay4,2023Source(s):TNNThailandNumberofregisterede-walletaccountsinThailandfrom2018to2022(inmillions)NumberofregisteredmobilewalletaccountsThailand2018-2022140120124120.397.510085.782.48060402002018201920202021202222Description:In2022,theaccountnumberofe-walletsinThailandamountedtoaround124million.Themobilewallettransactionvolumeandaccountshascontinuedtoincreaseovertheexaminedperiod.ReadmoreNote(s):Thailand;2018to2022Source(s):TNNThailandTransactionvolumeofe-walletsinThailandfrom2018to2022(inmillions)MobilewallettransactionvolumeThailand2018-20224,0003,5003,0002,5002,0001,5001,0005003,352.32,537.52,136.41,966.61,51120180201920202021202223Description:In2022,thetransactionvolumeofe-walletsinThailandamountedtoaround3.4billion.Themobilewallettransactionvolumeinthecountryhascontinuedtoincreaseovertheexaminedperiod.ReadmoreNote(s):Thailand;2018to2022Source(s):TNNThailandValueofe-moneypaymenttransactionsinThailandfrom2016to2022(inbillionThaibaht)Valueofe-moneytransactionsThailand2016-2022700600500400300200627.2467.32309.55279.31204.042018126.1790.95100020162017201920202021202224Description:In2022,thevalueofe-moneytransactionsmadeinThailandamountedtoapproximately627.2billionThaibaht.Theamounthasbeenincreasingthroughouttheexaminedperiod.ReadmoreNote(s):Thailand;2016to2022;dataexcludetop-upcardsSource(s):BankofThailand;PrachachatBusinessNewspaperVolumeofe-moneypaymenttransactionsinThailandfrom2016to2022(inbillions)Volumeofe-moneytransactionsThailand2016-20224.03.53.02.52.01.53.352.542.141.971.511.271.081.00.50.0201620172018201920202021202225Description:In2022,thevolumeofe-moneytransactionsmadeinThailandamountedtoapproximately3.4billiontransactions.Thiswasaconsiderableincreasecomparedtothepreviousyear,whichamountedtoaround2.5billiontransactions.

ReadmoreNote(s):Thailand;2016to2022;dataexcludetop-upcardsSource(s):BankofThailand;PrachachatBusinessNewspaperCHAPTER

05ConsumerbehaviorShareofpreferredpaymentmethodsamongconsumersinThailandin2021PopularpaymentmethoddistributionThailand2021BankofAyudhya(Krungsri)1.2%TrueMoney16.8%Debitcard3.6%Others1.8%BangkokBank4%PromtPay5.8%Cashoverthecounter(attheconveniencestores)5.8%KasikornBank14.8%KrungthaiBank7.0%SiamCommercialBank12%Cashondelivery13.0%Creditcard13%27/statistics/1324906/thailand-preferred-payment-method-shareIn2021,TrueMoneywasthemostpreferablyusedamongThaiconsumersfortheirpayments,accountingforabout16.8percentofusers.AnotherpopularmethodwaspayingwithKasikornBankwhichaccountedforaround14.8percentofconsumers.ReadmoreNote(s):Thailand;2021Source(s):RapydShareofe-paymentusersamongrespondentsinThailandin2022E-paymentusageamongrespondentsinThailand202290%80%80%70%60%50%40%30%20%10%0%13%No7%YesIhaveneverheardof/donotknowwhate-paymentsare28Description:AccordingtoasurveybyRakutenInsightone-paymentusageinOctober2022,about80percentofThairespondentsstatedthattheyhavemadeatransactionusinge-paymentmethods,while13percentoftherespondentshavenot.Inthesamesurvey,themajorityofe-paymentusersindicatedconvenienceasaleadingreasonformakinge-paymenttransactions.ReadmoreNote(s):Thailand;October13to30,2022;11,422respondents;16yearsandolderSource(s):RakutenInsightMainreasonsformakinge-paymentsamongrespondentsinThailandin2022Mainreasonsfore-paymentusageamongrespondentsinThailand2022Shareofrespondents20%

30%0%10%40%50%60%70%80%90%ItisconvenientItiseasy-to-use82%61%IdonothavetocarrymuchcashandcardsaroundThetransactionsarefast51%43%ItiseasiertokeeptrackofhowmuchIspendItismoresecurethancashpaymentsItismorehygeinic26%22%12%Others2%29Description:AccordingtoasurveybyRakutenInsightone-paymentusageinOctober2022,themajorityofe-paymentusersinThailandindicatedconvenienceastheleadingreasonformakinge-paymenttransactions.Inthesamesurvey,80percentofrespondentshadmadeatransactionusinge-paymentmethods.ReadmoreNote(s):Thailand;October13to30,2022;9,136respondents;16yearsandolder;amongrespondentsthathadmadee-paymenttransactionsSource(s):RakutenInsightFrequencychangeintheusageofe-paymentordigitalpaymentsinThailandasofOctober2022Changeine-paymentsordigitalpaymentsusageThailand