口袋革命：移动钱包如何改变全球支付方式

This report was produced by PYMNTS Intelligence.PYMNTS intelligenceretains full editorial control overthe following findings, methodology and data analysis.HOWTHEWORLDDOESDIGITAL2025Pocket Revolution:How Mobile Wallets AreChanging Payments Worldwide TABLE OFCONTENTSIntroductionWhat’s at StakeKey FindingsThe Full StoryPersona analysisActionable InsightsAbout 04061418435860 © 2025 PYMNTS All Rights ReservedHow the World Does Digital is PYMNTS Intel-ligence’songoing analysis of global digitalengagement.Building on our Q4 2024 studyacross 11 countries, this edition examines howmobile wallets and mobile-first payments are reshapingthe way consumers transact, both online and in-storeMobile wallets now power more than one-third of onlineand 21% of in-store transactions across these countries,reflecting a shift in form factor—meaning the device ormethod used to make a payment—from plastic cards tomobile interfaces, without a change in the underlyingfunding sourcesWhile Gen Z leads in adoption, mobile-first payments are gaining traction across all generationsAdoption patterns remain highly localIn markets likeJapan and Singapore, real-time rails and QR code inte-gration are accelerating wallet useIn others, such asFrance and the US, entrenched card habits are provingharder to breakWinning in this mobile-first landscape will require deliv-eringreal consumer value,not just enabling digitalaccess, and tailoring experiences to local behaviors andexpectations© 2025 PYMNTS All Rights Reserved INTRODUCTION How the World Does Digital, based on a survey of216,679 consumers across 11 countries that represent50% of global GDP, was conducted over 12 differentperiods from January 2022 through December 2024.It reveals a shift in how consumers access payments—not achange in the payment methods used to fund transactions, butrather a repositioning of how consumers interact with thosemethodsWhat we find is that consumers are abandoning cash but notcredit or debit cardsInstead, they are using mobile-first experi-ences, digital wallets, wearables and stored credentials to accessthose familiar funding methods more quickly and securelyMobilewallets now power 35% of online and 21% of in-store transac-tions in the 11 countries, which include Australia, Brazil, France,Germany, Italy, Japan, the Netherlands, Singapore, Spain, theUK and the United States That is an increase of 52% and109%, respectively, since 2022, highlighting a transformation inform factor, not in the underlying payment methods used to payfor purchasesWHAT’SAT STAKE © 2025 PYMNTS All Rights ReservedThe real shift is in the consumer experienceMobile wallets offerfaster checkout, biometric security and embedded rewards, inkeeping with consumers’ rising expectations for convenience andcontrolCertain markets like Japan, Singapore and the Nether-lands are leading this trend, but wallet adoption is acceleratingacross all 11 countries studiedMobile wallets are not yet the dominant method of payment atthe physical or digital point of sale, but their momentum signalsthat adapting to mobile-first behaviors is no longer optionalMobile is a table stakes requirement to remain competitive© 2025 PYMNTS All Rights Reservedpurchases are nowcompleted witha mobile wallet.35%OF ONLINEand21%OFIN-STORE FIGURE 1:Form-factor shift: Mobile wallets powering card transactions online and in-storeGlobal average share of consumers selecting digital/mobile wallets for their most recent transaction N 2024 = 56,006; N 2022 = 74,940: respondents who made an in-store transaction in the last 30 days; N 2024 = 52,560; N 2022 = 69,933: respondents who made an online transaction in the last 30 days.In-store21.1%202419.1%2022Percentage change from 202210.9% © 2025 PYMNTS All Rights Reserved© 2024 PYMNTS All Rights ReservedWeobserve variations in mobile wallet adoptionacross the 11 countries studiedJapan and Singa-pore lead with 35% in in-store usage, followed bythe UK, where acceptance of native digital walletshas accelerated adoptionIn contrast, wallet usageremains lower in France (13%) and the US(19%),reflecting entrenched card habits and the conve-nience of contactless cardsIn the US, the twolargest merchants—Amazon and Walmart—do notaccept digital wallets other than their ownGenerationalshifts contribute tothisunevengrowthGen Z in-store wallet usage has risen 23%since 2022, setting the pace for mobile-first pay-ments across these 11 countriesHowever, adoptionisalso increasing across millennials,Gen X andbaby boomers, making mobile wallet use increas-ingly age-agnosticTheshift is regional,generational and inter-face-drivenWinning providers must tailor strategiesto local behaviors and enhance payment experi-ences without disrupting trusted funding methodsThis is what we learned. FIGURE 2A:Mobile payments usage for in-store transactionsShare of consumers who made their last in-store transactionwith a mobile payment method, by generationSample21.1% Share of consumers who made their last in-store transa