A2A 결제 시장(2025-2030년)

'A2A Transaction Value to Reach $195 Trillion in 2030 Globally, Driven by Advanced Value-added Services'

Overview

Our "Account-to-Account (A2A) Payments" research suite provides detailed analysis of this rapidly changing market; enabling A2A payments service providers to gain an understanding of key payment trends and challenges, potential growth opportunities, and the competitive environment.

Providing multiple options which can be purchased separately, the research suite includes access to data mapping the future growth of the A2A payments market. The detailed study reveals the latest opportunities and trends within the market and offers an insightful document containing an extensive analysis of 19 A2A payments service providers within the space. Aspects such as challenges regarding compatibility with existing payments infrastructure, lower fees for businesses, and enhanced customer experience are explored throughout the report. The coverage can also be purchased as a Full Research Suite, containing all of these elements, and includes a substantial discount.

Collectively, these elements provide an effective tool for understanding this rapidly emerging market; allowing A2A payments vendors to set out their future strategies to provide effective and efficient payment services to their customers and clients. Its unparalleled coverage makes this research suite an incredibly useful resource for gauging the future of this complex market.

All report content is delivered in the English language.

Key Features

• Market Dynamics: Insights into key payment trends and market expansion challenges within the A2A payments space. It addresses the challenges posed by a lack of dedicated solutions in different markets, limited public knowledge of the payment solution, and potential fraud risks; analysing multiple use cases where A2A payments are employed. The research also provides a future outlook on the landscape of A2A payments.
• Key Takeaways & Strategic Recommendations: In-depth analysis of key development opportunities and findings within the market, accompanied by key strategic recommendations for A2A payments solution providers on emerging trends and how the market is expected to evolve.
• Benchmark Industry Forecasts: The forecasts include data on A2A payments, split by in-store, online, peer-to-peer (P2P), cross-border, business-to-business (B2B), and business-to-consumer (B2C). These include metrics such as the number of transactions and average transaction value for each segment.
• Juniper Research Competitor Leaderboard: Key player capability and capacity assessment for 19 A2A payments vendors, via the Juniper Research Competitor Leaderboard; featuring analysis around major players in the A2A payments industry.

SAMPLE VIEW

Market Data & Forecasting Report

The numbers tell you what's happening, but our written report details why, alongside the methodologies.

SAMPLE VIEW

Market Trends & Strategies Report

A comprehensive analysis of the current market landscape, alongside strategic recommendations.

Market Data & Forecasting Report

The market-leading research suite for the "A2A Payments" market includes access to the full set of forecast data, consisting of 70 tables and over 27,000 datapoints.

Metrics in the research suite summary include:

• Number of A2A Payments Transactions
• Value of A2A Payments Transactions
• Number of A2A Payment Users

These metrics are also available for the following segments:

• In-store payments
• Online payments (eCommerce)
• P2P payments
• Cross-border consumer payments
• B2B payments (split by cross-border versus domestic)
• B2C payments (split by cross-border versus domestic)

The Juniper Research Interactive Forecast Excel contains the following functionality:

• Statistics Analysis: Users benefit from the ability to search for specific metrics, displayed for all regions and countries across the data period. Graphs are easily modified and can be exported to the clipboard.
• Country Data Tool: This tool allows the user to review metrics for all regions and countries in the forecast period. Users can refine the metrics displayed via the search bar.
• Country Comparison Tool: Users can select and compare each of the countries. The ability to export graphs is included in this tool.
• What-if Analysis: Here, users can compare forecast metrics against their own assumptions, via five interactive scenarios.

Market Trends & Strategies Report

This report examines the "A2A Payments" market landscape in detail. It assesses different market trends and factors that are shaping the evolution of this rapidly emerging market, such as how A2A payments are promoting financial inclusion, Open Banking and the role it is playing in driving growth of this payment method, and regulations and initiatives that are shaping adoption; advising how vendors should navigate these emerging trends.

In addition to looking at A2A payment use cases, it also includes evaluation of the different markets in which A2A payments are seeing use, and how vendors can better adapt to serve these markets.

Competitor Leaderboard Report

The Competitor Leaderboard report provides a detailed evaluation and market positioning for 19 leading vendors in the "A2A Payments" space. These vendors are positioned as an established leader, leading challenger, or disruptor and challenger, based on capacity and capability assessments, their range of A2A payment products on offer, and any additional technologies that set them apart from their competitors.

Juniper Research's Competitor Leaderboard for the "A2A Payments" market includes the following key players:

This document is centred around the Juniper Research Competitor Leaderboard; a vendor positioning tool that provides an at-a-glance view of the competitive landscape, backed by a robust methodology.

Table of Contents

Market Trends & Strategies

1. Key Takeaways & Strategic Recommendations

• 1.1. Key Takeaways
• 1.2. Strategic Recommendations

2. Market Landscape

• 2.1. Introduction
  • 2.1.1. Types of A2A Payments
  • 2.1.2. Surrounding Technologies
    • i. Instant Payment Rails
    • ii. Open Banking
    • iii. QR Code Payments
    • iv. NFC
• 2.2. Current Market
  • 2.2.1. A2A Payment Systems
    • Figure 2.1: Examples of National A2A Payment Schemes
    • i. National Payment Schemes
    • ii. Fintech Solutions
• 2.3. A2A Payment Trends
  • 2.3.1. Key Drivers
    • i. Technological Developments
    • ii. Government Regulations & Initiatives
  • 2.3.2. Newly-emerging Trends
    • i. VRPs
    • ii. QR Code Payments
    • iii. Payment Interoperability
    • iv. AML, Fraud, & Compliance
• 2.4. Benefits & Challenges to A2A Payments
  • 2.4.1. Benefits
    • Figure 2.2: A2A Payments' Benefits Summary
    • i. Lower Costs
    • ii. Enhanced Customer Experience
    • iii. Safer Instant Payments
  • 2.4.2. Challenges
    • Figure 2.3: A2A Payments' Challenges Summary
    • i. Lack of Dedicated Solutions Across Multiple Markets
    • ii. Fraud Risks
    • iii. Compatibility With Pre-existing Payments Infrastructure
    • iv. Banks Not Yet Convinced to Invest
    • v. Limited Knowledge Restricts Progress

3. Segment Analysis

• 3.1. Introduction
• 3.2. Retail, eCommerce, & Other Services
  • Figure 3.1: Total Value of In-store & Online A2A Payments ($m), Globally, 2025-2030
• 3.3. P2P
  • Figure 3.2: Total Transaction Volume of A2A-based P2P Payments (m), Split by 8 Key Regions, 2025-2030
• 3.4. Cross-border
  • Figure 3.3: Global Volume of Cross-border A2A Transactions (m), Split by 8 Key Regions, 2025
• 3.5. B2B & B2C
  • Figure 3.4: Total Volume of A2A-based B2B Payments (m), Globally, Split by 8 Key Regions, 2025

4. Country Readiness Index

• 4.1. Introduction to Country Readiness Index
  • Figure 4.1: Juniper Research Country Readiness Index Regional Definitions
  • Table 4.2: Juniper Research Country Readiness Index Scoring Criteria: A2A Payments
  • Figure 4.3: Juniper Research Country Readiness Index: A2A Payments
  • Figure 4.4: A2A Payments Country Readiness Index: Market Segments
  • 4.1.1. Focus Markets
    • i. National Payments Schemes
      • Figure 4.5: Number of A2A Cross-border Transactions (m), Split by 8 Focus Markets, 2025-2030
    • ii. Open Banking Adoption
    • iii. A2A Payment Vendors Are Innovating Amidst High Competition
  • 4.1.2. Growth Markets
    • i. Instant Payment Rail (IPR) Implementation
      • Figure 4.6: Number of A2A B2B Transactions (m), Split by Four Growth Markets, 2025-2030
    • ii. Emerging A2A Payment Frameworks & Initiatives Pushing Growth
  • 4.1.3. Developing Markets
• 4.2. Juniper Research A2A Payments Country Readiness Index Heatmaps
  • i. North America
    • Table 4.7: Juniper Research A2A Payments Country Readiness Index Heatmap: North America
  • ii. Latin America
    • Table 4.8: Juniper Research A2A Payments Country Readiness Index Heatmap: Latin America
  • iii. West Europe
    • Table 4.9: Juniper Research A2A Payments Country Readiness Index Heatmap: West Europe
  • iv. Central & East Europe
    • Table 4.10: Juniper Research A2A Payments Country Readiness Index Heatmap: Central & East Europe
  • v. Far East & China
    • Table 4.11: Juniper Research A2A Payments Country Readiness Index Heatmap: Far East & China
  • vi. Indian Subcontinent
    • Table 4.12: Juniper Research A2A Payments Country Readiness Index Heatmap: Indian Subcontinent
  • vii. Rest of Asia Pacific
    • Table 4.13: Juniper Research A2A Payments Country Readiness Index Heatmap: Rest of Asia Pacific
  • viii. Africa & Middle East
    • Table 4.14: Juniper Research A2A Payments Country Readiness Index Heatmap: Africa & Middle East

Competitor Leaderboard

1. Juniper Research Competitor Leaderboard

• 1.1. Why Read This Report?
  • Table 1.1: Juniper Research Competitor Leaderboard: A2A Payment Vendors Included & Product Portfolios
  • Figure 1.2: Juniper Research Competitor Leaderboard for A2A Payments Vendors
  • Table 1.3: Juniper Research A2A Payments Vendors & Positioning
  • Table 1.4: Juniper Research Competitor Leaderboard Heatmap for A2A Payments Vendors

2. Company Profiles

• 2.1. Vendor Profiles
  • 2.1.1. Aeropay
    • i. Corporate
      • Table 2.1: Aeropay Funding Rounds ($m), 2017-2024
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
  • 2.1.2. Banked
    • i. Corporate
      • Table 2.2: Banked Funding Rounds ($m), 2018-2022
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
  • 2.1.3. Brankas
    • i. Corporate
      • Table 2.3: Brankas Funding Rounds ($m), 2018-2022
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
  • 2.1.4. Brite Payments
    • i. Corporate
      • Figure 2.4: Brite Payments Funding Rounds ($m), 2021 & 2023
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
  • 2.1.5. Dwolla
    • i. Corporate
      • Table 2.5: Dwolla Funding Rounds ($m), 2009-2021
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
  • 2.1.6. Fiserv
    • i. Corporate
      • Table 2.6: Fiserv, Financial Snapshot ($m), 2023-2024
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Opportunities
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
  • 2.1.7. GoCardless
    • i. Corporate
      • Table 2.7: GoCardless, Financial Snapshot ($m), 2023-2024
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
  • 2.1.8. Ivy
    • i. Corporate
      • Table 2.8: Ivy Funding Rounds ($m), 2023
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
  • 2.1.9. Mastercard
    • i. Corporate
      • Figure 2.9: Mastercard Financial Snapshot ($m), 2023-2024
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
  • 2.1.10. Plaid
    • i. Corporate
      • Table 2.10: Plaid Funding Rounds ($m), 2013-2025
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
  • 2.1.11. Prometeo
    • i. Corporate
      • Table 2.11: Prometeo Funding Rounds ($m), 2018-2024
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
  • 2.1.12. Salt Edge
    • i. Corporate
      • Table 2.12: Salt Edge Funding Round ($m), 2018
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
  • 2.1.13. Token.io
    • i. Corporate
      • Table 2.13: Token.io Funding Rounds ($m), 2016-2025
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
  • 2.1.14. TrueLayer
    • i. Corporate
      • Table 2.14: TrueLayer Funding Rounds ($m), 2017-2024
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
  • 2.1.15. Trustly
    • i. Corporate
      • Table 2.15: Trustly Funding Rounds ($m), 2011-2020
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
  • 2.1.16. Visa
    • i. Corporate
      • Table 2.16: Visa Financial Snapshot ($m), 2023-2024
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
  • 2.1.17. Volt
    • i. Corporate
      • Table 2.17: Volt Funding Rounds ($m), 2020-2023
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
      • Figure 2.18: Example of Volt Transformer Prompt
    • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
  • 2.1.18. Worldline
    • i. Corporate
      • Table 2.19: Worldline Revenue ($m), 2023-2024
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
  • 2.1.19. Yapily
    • i. Corporate
      • Table 2.20: Yapily Funding Rounds ($m), 2017-2021
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
• 2.2. Juniper Research Leaderboard Assessment Methodology
  • 2.2.1. Limitations & Interpretations
    • Table 2.21: Juniper Research Competitor Leaderboard Scoring Criteria - A2A Payments
• 2.3. Related Research

Data & Forecasting

1. Introduction & Methodology

• 1.1. Introduction
• 1.2. Methodology & Assumptions
  • Figure 1.1: In-store A2A Payments Forecast Methodology
  • Figure 1.2: eCommerce A2A Payments Forecast Methodology
  • Figure 1.3: A2A-based P2P Payments Forecast Methodology
  • Figure 1.4: Consumer Cross-border A2A Payments Forecast Methodology
  • Figure 1.5: B2B Payments in the A2A Market Forecast Methodology
  • Figure 1.6: B2C Payments in the A2A Market Forecast Methodology

2. Consumer A2A Summary

• 2.1. Total Number of A2A Payment Users
  • Figure & Table 2.1: Total Number of A2A Payment Users (m), Globally, Split by 8 Key Regions, 2025-2030
• 2.2. Total Number of Consumer A2A Transactions
  • Figure & Table 2.2: Total Number of Consumer A2A Transactions (m), Globally, Split by 8 Key Regions, 2025-2030
• 2.3. Total Value of Consumer A2A Transactions
  • Figure & Table 2.3: Total Value of Consumer A2A Transactions ($m), Globally, Split by 8 Key Regions, 2025-2030

3. In-store Payments

• 3.1. Total Number of In-store A2A Payment Users
  • Figure & Table 3.1: Total Number of In-store Payment Users (m), Globally, Split by 8 Key Regions, 2025-2030
• 3.2. Total Transaction Volume of In-store A2A Payments
  • Figure & Table 3.2: Transaction Volume of In-store A2A Payments (m), Globally, Split by 8 Key Regions, 2025-2030
• 3.3. Total Transaction Value of In-store A2A Payments
  • Figure & Table 3.3: Total Transaction Value of In-store A2A Payments (m), Globally, Split by 8 Key Regions, 2025-2030

4. eCommerce Payments

• 4.1. Total Number of Online A2A Payment Users
  • Figure & Table 4.1: Total Number of Online A2A Payment Users (m), Globally, Split by 8 Key Regions, 2025-2030
• 4.2. Total Transaction Volume of Online A2A Payments
  • Figure & Table 4.2: Total Transaction Volume of Online A2A Payments (m), Globally, Split by 8 Key Regions, 2025-2030
• 4.3. Total Transaction Value of Online A2A Payments
  • Figure & Table 4.3: Total Transaction Value of Online A2A Payments ($m), Globally, Split by 8 Key Regions, 2025-2030

5. P2P Payments

• 5.1. Total Number of P2P A2A Payment Users
  • Figure & Table 5.1: Total Number of P2P A2A Payment Users (m), Globally, Split by 8 Key Regions, 2025-2030
• 5.2. Total Transaction Volume of P2P A2A Payments
  • Figure & Table 5.2: Total Transaction Volume of P2P A2A Payments (m), Globally, Split by 8 Key Regions, 2025-2030
• 5.3. Total Transaction Value of P2P A2A Payments
  • Figure & Table 5.3: Total Transaction Value of P2P A2A Payments ($m), Globally, Split by 8 Key Regions, 2025-2030

6. Cross-border Payments

• 6.1. Total Number of Cross-border A2A Payment Users
  • Figure & Table 6.1: Total Number of Cross-border A2A Payment Users (m), Globally, Split by 8 Key Regions, 2025-2030
• 6.2. Total Transaction Volume of Cross-border Consumer A2A Payments
  • Figure & Table 6.2: Total Transaction Volume of Cross-border Consumer A2A Payments (m), Globally, Split by 8 Key Regions, 2025-2030
• 6.3. Total Transaction Value of Cross-border Consumer A2A Payments
  • Figure & Table 6.3: Total Transaction Value of Cross-border Consumer A2A Payments ($m), Globally, Split by 8 Key Regions, 2025-2030

7. B2B Payments

• 7.1. Total Number of Domestic A2A B2B Transactions
  • Figure & Table 7.1: Total Number of Domestic A2A B2B Transactions (m), Globally, Split by 8 Key Regions, 2025-2030
• 7.2. Total Value of Domestic A2A B2B Transactions
  • Figure & Table 7.2: Total Value of Domestic A2A B2B Transactions ($m), Globally, Split by 8 Key Regions, 2025-2030
• 7.3. Total Number of Cross-border A2A B2B Transactions
  • Figure & Table 7.3: Total Number of Cross-border A2A B2B Transactions (m), Globally, Split by 8 Key Regions, 2025-2030
• 7.4. Total Value of Cross-border A2A B2B Transactions
  • Figure & Table 7.4: Total Value of Cross-border A2A B2B Transactions ($m), Globally, Split by 8 Key Regions, 2025-2030

8. B2C Payments

• 8.1. Total Number of Domestic A2A B2C Transaction
  • Figure & Table 8.1: Total Number of Domestic A2A B2C Transactions (m), Globally, Split by 8 Key Regions, 2025-2030
• 8.2. Total Value of Domestic A2A B2C Transactions
  • Figure & Table 8.2: Total Value of Domestic A2A B2C Transactions ($m), Globally, Split by 8 Key Regions, 2025-2030
• 8.3. Total Number of Cross-border A2A B2C Transactions
  • Figure & Table 8.3: Total Number of Cross-border A2A B2C Transactions (m), Globally, Split by 8 Key Regions, 2025-2030
• 8.4. Total Value of Cross-border A2A B2C Transactions
  • Figure & Table 8.4: Total Value of Cross-border A2A B2C Transactions ($m), Globally, Split by 8 Key Regions, 2025-2030