日本二维码支付行业市场前景及投资研究报告-培训课件外文版2024.6微信支付宝

DIGITAL

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TRENDSQRcodepaymentsinJapanCHAPTER

01OverviewRatioofcashlesspaymentsinJapanfrom2014to2023CashlesspaymentratioinJapan2014-202345%40%39.3%36%35%32.5%29.7%30%25%20%15%10%26.8%24.1%21.3%201720%18.2%201516.9%201420162018201920202021202220233Description:In2023,cashlesspaymentsaccountedforaround39.3percentoftheprivatefinalconsumptionexpenditureinJapan.Thecashlesspaymentratioincreasedby3.3percentagepointsyearonyear.

ReadmoreNote(s):Japan;2014to2023Source(s):METI(Japan);VarioussourcesValueofcashlesspaymentsinJapanfrom2014to2023,bypaymentmethod(intrillionJapaneseyen)ValueofcashlesspaymentsinJapan2014-2023,bypaymentmethodCreditcardpaymentsDebitcardpaymentsElectronicmoneypaymentsQRcodepayments1401201008010.96.47.96.13.73.25.363.22.22.7165.80.21.75.51.35.2601.15.10.94.6105.70.440.593.8408173.474.566.758.453.949.846.320020142015201620172018201920202021202220234Description:In2023,creditcardpaymentsinJapanamountedto105.7trillionJapaneseyen.QRcodepaymentsfollowedwithatransactionvalueof10.9trillionyen,surpassingthevalueofelectronicmoneypaymentsforthesecondtime.ThecashlesspaymentratioinJapanincreasedby3.3percentagepointsyearonyear.ReadmoreNote(s):Japan;2014to2023Source(s):METI(Japan);VarioussourcesDistributionofthecashlesspaymentvalueinJapanfrom2017to2023,bypaymentmethodDistributionofthecashlesspaymentvalueinJapan2017-2023,bypaymentmethodCreditcardpaymentsDebitcardpaymentsElectronicmoneypaymentsQRcodepayments120%100%80%60%40%20%0%0.2%1.2%3.7%5.6%6.3%8%7.5%7%7.1%5.5%8.6%5.1%7%1.7%1.8%2.1%2.5%2.8%2.9%2.9%90.2%90.7%89.7%86.8%85.3%84.5%83.5%20172018201920202021202220235Description:In2023,creditcardpaymentsaccountedfor83.5percentofthevalueofcashlesspaymentsinJapan.TheshareofQRcodeandbarcodepaymentsreached8.6percent.

ReadmoreNote(s):Japan;2017to2023;basedonthenumberofpaymentsSource(s):METI(Japan);VarioussourcesDistributionofthecashlesspaymentvolumeinJapanfrom2019to2022,bypaymentmethodDistributionofthecashlesspaymentvolumeinJapan2019-2022,bypaymentmethodCreditcardpaymentsDebitcardpaymentsElectronicmoneypaymentsQRcodepayments120%100%80%60%40%20%0%4.3%12.5%19.4%23.8%33.1%1.8%27.1%2.3%22.8%2.5%19.9%2.6%60.7%201958.1%55.3%202153.2%202220206Description:In2022,creditcardpaymentsaccountedfor53.2percentofthenumberofcashlesspaymentsinJapan.Theshareofcreditcardsandelectronicmoneypaymentshasdeclinedsince2019,whiletheshareofQRcodeandbarcodepaymentshasincreasedsignificantlyinthesameperiod.ReadmoreNote(s):Japan;2019to2022;basedonthenumberofpaymentsSource(s):PaymentsJapan;VarioussourcesMostusedcashlesspaymentmethodsinJapanasofMarch2024MostusedcashlesspaymentmethodsinJapan2024Shareofrespondents0%10%20%30%40%50%60%70%69.6%80%CreditcardsQRcodeandbarcodepaymentsDirectdebit41.9%33.5%31.9%Contactlesselectronicmoney*PaymentofbillsthroughconveniencestoresandotheragentsMoneytransfersoverthecounteratbanksorviaATMsOnlineand/ormobilebanking**Cashondelivery14.3%13.6%11.3%7.9%7%4.3%PrepaidcardsDebitcards***Otherthantheabove

0.3%Cashonly6.9%7Description:CreditcardswerethemostusedcashlessmeansofpaymentinJapan,accordingtoasurveyconductedfromFebruarytoMarch2024.Around70percentoftherespondentsstatedthattheyusedcreditcardsintheirdailylives,while6.9percentonlyusedcash.ReadmoreNote(s):Japan;February8toMarch5,2024;1,999respondents;20yearsandolder;multipleanswerspossibleSource(s):BankofJapanPreferredpaymentmethodsforonlinepurchasesamongdigitalbuyersinJapanin2022LeadingpaymentmethodsamongJapaneseonlinebuyers2022Shareofrespondents0%10%20%30%40%50%60%70%80%Creditcardpayments**(excludingcashondelivery)75.9%ConveniencestorepaymentsElectronicmoneyandQRcodepayments***36.4%34.8%BanktransfersanddirectdebitviabankorpostofficescountersandATMsCashondelivery(COD)23%20.5%19%17.5%BanktransfersviaonlineormobilebankingPaymentaddedtointernetserviceproviderbillorcommunicationfees(directcarrierbilling)Other0.9%Noanswer6.2%8Description:AccordingtoasurveyconductedinJapanin2022,creditcards,debitcards,andATMcashcardsweretheleadingpaymentmethodusedtopayforonlineshoppingandonlinefinancialtransactions.Around75.9percentoftherespondentswhohadmadeonlinepurchasesinthepastyearreportedhavingusedcardpayments.Closeto35percentstatedtheyhadmadein-storepaymentsatconveniencestores.

ReadmoreNote(s):Japan;August2022;16,976*;15yearsorolder;postalquestionnaireande-mailsurvey;*19,056respondentsafterweightadjustments.**IncludingdebitcardsandATMcards(cashcards).***IncludingQRcodepaymentservices,Rakuten[...]

ReadmoreSource(s):e-Stat(Japan);MinistryofInternalAffairsandCommunications(Japan)CHAPTER

02MarketsizeValueofQRcodepaymentsmadeatstoresinJapanfrom2018to2023(intrillionJapaneseyen)QRcodepaymentvalueatstoresinJapan2018-202316141210814.8510.87.3564.2421.120.17020182019202020212022202310Description:In2023,thetotalvalueofQRcodeandbarcodepaymentsmadeatphysicalandonlinestoresinJapanamountedtoaround14.9trillionJapaneseyen.QRcodepaymentservicesemergedasthesecond-mostpopularpaymentmethod,surpassingelectronicmoneyforthesecondconsecutivetimeduringthatyear.ReadmoreNote(s):Japan;2018to2023;includingpaymentsmadeonlineSource(s):PaymentsJapanValueofQRcodepaymentsinphysicalstoresinJapanfrom2022to2023(intrillionJapaneseyen)In-storeQRcodepaymentvalueinJapan2022-2023141212.01108.55864202022202311Description:In2023,QRcodeandbarcodepaymentswortharound12trillionJapaneseyenweremadeatphysicalstoresinJapan.PaymentsinphysicalstoresaccountedforthemajorityoftheꢀtotalamountofQRcodepayments.Thenumberofin-storeQRcodepaymentsexceededovereightbillion.ReadmoreNote(s):Japan;2022to2023Source(s):PaymentsJapanAverageamountspentperQRcodepaymenttransactioninJapanfrom2020to2022(inJapaneseyen)AmountspentperQRcodepaymenttransactioninJapan2020-20221,8001,539.81,533.91,6001,4001,2001,0008001,501.2600400200020202021202212Description:In2022,theaverageamountspentperQRcodepaymenttransactioninJapanwasaround1,534Japaneseyen.ꢀThenumberofQRcodeandbarcodepaymentsrosetooversevenbillioninthesameyear.

ReadmoreNote(s):Japan;2020to2022Source(s):PaymentsJapan;VarioussourcesNumberofQRcodepaymentsmadeatstoresinJapanfrom2018to2023(inmillions)QRcodepaymentvolumeatstoresinJapan2018-202310,0009,0008,0007,0006,0005,0004,0003,0009,361.047,892.524,895.322,717.8920202,000815.941,000051.992018201920212022202313Description:In2023,around9.36billionQRcodeandbarcodepaymentsweremadeatphysicaloronlinestoresinJapan.QRcodeandbarcodepaymenttransactionsaccountedfor23.8percentofthecashlesspaymentvolumein2022.

ReadmoreNote(s):Japan;2018to2023;includingpaymentsmadeonlineSource(s):PaymentsJapanNumberofQRcodepaymentsinphysicalstoresinJapanfrom2022to2023(inbillions)In-storeQRcodepaymentvolumeinJapan2022-2023988.275.9765432102022202314Description:In2023,around8.2billionQRcodeandbarcodepaymentsweremadeatphysicalstoresinJapan.In-storepaymentsaccountedforthemajorityofQRcodepaymentsmadeatstoresinJapan.

ReadmoreNote(s):Japan;2022to2023Source(s):PaymentsJapanValueofmoneytransfersviaQRcodepaymentservicesinJapanfrom2018to2023(inbillionJapaneseyen)ValueofmoneytransfersviaQRcodepaymentservicesinJapan2018-20231,2001,0008001,023.73652.99600400352.092021164.892020200047.4120198.3220182022202315Description:In2023,moneytransfersmadeviaQRcodeandbarcodepaymentservicesinJapanamountedtoclosetooveronetrillionJapaneseyen.Theꢀnumberofmoneytransfersincreasedtomorethan293million.

ReadmoreNote(s):Japan;2018to2023Source(s):PaymentsJapanNumberofmoneytransfersviaQRcodepaymentservicesinJapanfrom2018to2023(inmillions)VolumeofmoneytransfersviaQRcodepaymentservicesinJapan2018-2023350300250200150100293.25181.9496.73202144.3350012.6520192.57201820202022202316Description:In2023,around293.3millionmoneytransfersviaQRcodeandbarcodepaymentservicesweremadeinJapan.TheꢀvalueofmoneysentviaQRcodeservicesincreasedtoclosetooveronetrillionJapaneseyen.

ReadmoreNote(s):Japan;2018to2023Source(s):PaymentsJapanCHAPTER

03ConsumerinsightsOwnershipratioofQRcodepaymentappsinJapanasofNovember2022,byagegroupQRcodepaymentappownershiprateinJapan2022,byage80%76%75%75%74%70%60%50%40%30%20%10%0%65%20-29years30-39years40-49years50-59years60-69years18Description:TheshareofconsumersinJapanowningQRcodepaymentappsdifferslittlebetweenagegroups,asurveyconductedinNovember2022found.Around76percentofrespondentsaged40to49ownedpaymentappsthatallowsettlementsbyscanningaQRcodeorbarcode.Theagegroupof60to69-year-oldshadalowerpercentageofowners,at65percent.TheoverallownershiprateofQRcodepaymentappswas73percent.

ReadmoreNote(s):Japan;November2022;2,999respondents;20-69yearsSource(s):PaymentsJapanUsagerateofQRcodepaymentappsinJapanasofApril2023,byagegroupUsagerateofQRcodepaymentappsinJapan2023,byagegroup80%72%70%69%70%60%50%40%30%20%10%0%66%64%60%16to19years20to29years30to39years40to49years50to59years60to69years19Description:AccordingtoasurveyconductedinApril2023,theshareofconsumersusingQRcodepaymentappsinJapanwashighestamongpeopleaged16to19atabout72percent.ThenumberofmonthlyactiveQRcodepaymentserviceusershasgraduallyincreasedinrecentyears.ReadmoreNote(s):Japan;April11to13,2023;20,000*;16-69years;multipleanswerspossible;*Agedistributionofsample:16to19years:n=1,13720to29years:n=2,99430to39years:n=3,45140to49years:n=4,49050to59years:n=4,08160to69years:[...]

ReadmoreSource(s):InfcurionAwarenessofprepaidQRcodepaymentservicesinofflineshoppinginJapanasofOctober2023,byageandgenderAwarenessofin-storeprepaidQRcodepaymentsinJapan2023,byageandgenderMenWomen100%90%80%70%60%50%40%30%20%10%0%92.5%91.1%91.1%91.3%90%90.1%89.3%88.7%86.9%85.3%18to29years30to39years40to49years50to59years60to69years20Description:AccordingtoasurveyconductedinJapaninOctober2023,prepaidQRcodepaymentusageforofflineshoppingwasknowntoabout90percentofrespondents.AwarenessofQRcodepaymentsasameansofpaymentforin-storepurchaseswashighestamongwomenintheirfifties,at92.5percent.ReadmoreNote(s):Japan;October25to27,2023;10,257respondents;18-69yearsSource(s):Intage;JapanPaymentServiceAssociationUsagerateofprepaidQRcodepaymentservicesinofflineshoppinginJapanasofOctober2023,byageandgenderUsagerateofin-storeprepaidQRcodepaymentsinJapan2023,byageandgenderMenWomen80%70%60%50%40%30%20%10%0%67.1%66.2%63.9%63.4%63.1%61%58.6%58.9%55.4%54.5%18to29years30to39years40to49years50to59years60to69years21Description:AccordingtoasurveyconductedinJapaninOctober2023,prepaidQRcodepaymentusageforonlineshoppingwashighestamongwomenaged18to29years.Over67percentofwomenaged18to29yearshadusedaQRcodepaymentservicebefore,comparedtoaround59percentofmeninthesameagegroup.ReadmoreNote(s):Japan;October25to27,2023;10,257respondents;18-69yearsSource(s):Intage;JapanPaymentServiceAssociationNumberofaccountsofQRcodepaymentservicesinJapanfrom2020to2023(inmillions)NumberofaccountsofQRcodepaymentservicesinJapan2020-2023300250248.64215.0720015010050186.03155.140202020212022202322Description:In2023,thenumberofaccountsofQRcodepaymentservicesinJapanreached248.6million.Therewerearound75.6millionactiveQRcodepaymentusersinthesameyear.

ReadmoreNote(s):Japan;2020to2023Source(s):PaymentsJapanNumberofactiveusers(MAU)ofQRcodepaymentservicesinJapanfrom2018to2023(inmillions)NumberofactiveusersofQRcodepaymentservicesinJapan2018-2023807060504075.5760.6348.7336.363018.55201003.5520182019202020212022202323Description:In2023,thenumberofactiveusers(MAU)ofQRcodeandbarcodepaymentservicesinJapanreachedaround75.6million,anincreaseofcloseto15millionactiveuserscomparedto2022.ThevalueofQRcodepaymentsmadeinJapanhasincreasedconsiderablyinthepastyears.ReadmoreNote(s):Japan;2018to2023;asofendofDecembereachyearSource(s):PaymentsJapanAttitudestowardsprepaidQRcodepaymentservicesinJapanasofOctober2023OpinionsonprepaidQRcodepaymentsinJapan2023Shareofrespondents10%

15%

20%0%5%25%30%35%40%45%45.5%50%AcceptedinmanystoresPointscanbeearnedAcceptedinstoresnearby40.2%32.8%Worriedaboutsystemtroubles16.4%CanonlybeusedinalimitednumberofstoresWorriedaboutunauthorizeduse11%9.5%24Description:AccordingtoasurveyconductedinOctober2023,over45percentofQRcodepaymentserviceusersinJapanweresatisfiedwiththefactthattheyareacceptedinmanystores.ThemostcommonreasonfordissatisfactionwithQRcodepaymentserviceswasconcernoversystemtroubles.ReadmoreNote(s):Japan;October25to27,2023;1,337respondents;18-69years;amongrespondentswhouseorhaveusedQRcodepaymentsservicesasaprepaidmeansofpayment;multipleanswerspossibleSource(s):Intage;JapanPaymentServiceAssociationCHAPTER

04PaymentbehaviorUsageofdifferentpaymentmethodscomparedtooneyearagoinJapanasofDecember2022PaymentmethodusagecomparedtooneyearagoinJapan2022Considerablyincreased120%IncreasedUnchangedDecreasedConsiderablydecreased2%100%80%60%40%20%0%1%2%4%8%1%5%5%12%28%38%48%58%60%38%53%5%30%10%26%9%23%21%10%2%QRcodepaymentappsBuynow,paylater(BNPL)ElectronicmoneyCreditcardsCash26Description:AccordingtoasurveyconductedinDecember2022,consumersinJapanusedcashlessfrequentlythanayearago.Around40percentreportedthattheiruseofcashhaddeclined,whileitremainedunchangedfor53percentofrespondents.Atthesametime,closeto60percentofconsumerssaidtheyusedQRcodepaymentappsmoreoften.ReadmoreNote(s):Japan;December13to15,2022;5,000*;16-69years;amongrespondentswhohaveusedtherespectivepaymentmethods;*Numberofrespondentsbypaymenttype:QRcodepaymentapps:n=3,083Buynow,paylater(BNPL):n=563[...]

ReadmoreSource(s):InfcurionUsageofdifferentpaymentmethodsinofflineshoppingcomparedtooneyearagoinJapanasofOctober2023,byageandgenderIn-storepaymentmethodusagecomparedtooneyearagoJapan2023,byageandgenderIncreaseduseDecreaseduse42.8%29.1%45%40%35%30%25%20%15%10%5%35%33%32.2%1.8%30.5%4%15.9%6%15.1%10.7%5.4%10.9%3.2%9.7%4.5%9%5.1%2.6%3.9%1.8%3%1.2%2.7%1%1.5%1.9%0.76%0.42%0%27Description:InasurveyconductedinJapaninOctober2023,around35percentofrespondentsreportedusingQRcodepaymentsforofflineshoppingmoreoftenthanoneyearago.Aroundone-thirdofrespondentsusedcashlessoften.

ReadmoreNote(s):Japan;October25to27,2023;1,999respondents;18-69years;multipleanswerspossibleSource(s):Intage;JapanPaymentServiceAssociationMostcommonnumberofQRcodepaymentservicesusedinJapanasofMarch2023MostcommonnumberofQRcodepaymentservicesusedinJapan202345%40%41.2%35%29.7%30%25%20%15%10%5%15.4%8%2.6%Four1.7%Five0.9%0.5%0%OneTwoThreeIhavetoomanyto

IdonotknowifI

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amusingit28Description:InasurveyconductedinJapaninFebruary2023,around29.7percentofrespondentsreportedonlyusingoneQRcodepaymentservice.At41.2percent,themajorityofrespondentsdidnotusetheserviceatall.

ReadmoreNote(s):Japan;December26,2022toJanuary4,2023;4,000respondents;20yearsandolder;oneansweronlySource(s):NeoMarketing;Planet,Inc.FrequencyofusingQRcodepaymentappsinJapanasofNovember2022QRcodepaymentappusagefrequencyinJapan202225%22.6%20%16%14.4%14.3%15%10%5%13%7.9%6.9%2.8%2.1%0%FourtimesperTwotothreeOnceaweekTwotothreetimespermonthOnceamonthTwotothreetimesperyearLessthanthat

Haveuseditin

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timesperweek29/statistics/1411697/japan-qr-code-payment-apps-usage-frequencyAccordingtoasurveyconductedinNovember2022,around51percentofconsumersinJapanwhoownedQRcodepaymentappsusedthematleastonceaweek.22.6percentoftherespondentsreportedusingQRcodepaymentappsonceaweek.

ReadmoreNote(s):Japan;November2022;2,191respondents;20-69years;amongrespondentswhoownQRcodepaymentappsSource(s):PaymentsJapanPlaceswhereconsumersuseQRcodepaymentservicesinJapanin2022MostcommonlocationsforQRcodepaymentusageinJapan2022Shareofrespondents0%10%20%30%40%50%60%70%80%ConveniencestoresSupermarkets/drugstores(chainstores)Restaurants(chainstores)71%51.6%45.6%Non-chainstorerestaurants/supermarkets/drugstores(individualbusinesses,etc.)Electronicsretailstores31.6%24.1%24%23%22.6%Vendingmachines(drinks,food,etc.)Departmentstores/shoppingmallsOnlineshopping(includingfooddelivery)Leisurefacilitiessuchascinemas17.4%Taxis15.2%10.6%Medicalinstitutions(hospitals/pharmacies,etc.)GasstationsUsageofonlineservicesforticketpurchase/travelarrangements10.5%10.4%30Description:ConveniencestoreswerethemostcommonlocationsforQRcodepaymentservicesusageinJapan,asurveyconductedin2022found.71percentofQRcodepaymentusersreportedusingQRcodepaymentservicesinconveniencestores.Supermarketsanddrugstorechainsfollowedasthesecond-mostpopularlocationforQRcodepayments.ReadmoreNote(s):Japan;2022;2,083respondents;amongQRcodepaymentserviceusersSource(s):PaymentsJapanLeadingtopupmethodsforprepaidQRcodepaymentservicesinJapanasofJanuary2022MostcommonwaystorechargeprepaidQRcodepaymentmethodsJapan2022Shareofrespondents0%5%10%15%20%25%30%35%40%40%45%CreditcardCash24.8%Debit/transferfrombankaccountRewardpoints18.8%4.9%ConveniencestorepaymentDebitcard2.8%1.8%1%1%OtherprepaidpaymentserviceDeferredpaymentCrypto-assets

0.2%Foreigncurrency

0.1%Others4.8%31Description:CreditcardswerethemostcommonmethodtoaddmoneytoprepaidQRcodepaymentservicesinJapan,accordingtoasurveyconductedin2022.While40percentofconsumersusedcreditcards,one-quarteroptedforcashpaymentsatstoresorATMs.ReadmoreNote(s):Japan;January14to17,2022;1,262respondents;18-69years;amongrespondentswhohaveusedprepaidmeansofpaymentbeforeSource(s):Intage;JapanPaymentServiceAssociationCHAPTER

05PaymentservicesLeadingfinanceappsinJapanin2023,bydownloads(in1,000s)MostdownloadedfinanceappsinJapanin2023Downloadsinthousands01,0002,0003,0004,0005,0006,0007,0008,0009,000PayPay(PayPayCorporation)RakutenPay(RakutenGroup,Inc.)7,874.786,386.85YuchoAuthenticationApp(JapanPostBankCo.,Ltd.)dBarai(NTTDocomo,Inc.)4,618.334,389.523,850.05Paidy(Paidy,Inc.)RakutenCard(RakutenCard,Inc.)3,575.873,418.283,414.46iAEON(AEONSmartTechnologyCo.,Ltd.)SumitomoMitsuiCardVpassApp(SumitomoMitsuiCardCompany,Limited)auPAY(KDDICorporation)3,176.533,045.442,852.952,494.542,205.51nanaco(SevenCardServiceCo.,Ltd.)SumitomoMitsuiBankingApp(SumitomoMitsuiBankingCorporation)MUFGBank(MUFGBank,Ltd.)SumitomoMitsuiCardVPointApp(SumitomoMitsuiCardCo.,Ltd.)33Description:In2023,PayPayCorporation'scashlesspaymentappPayPaywastheleadingfinanceapplicationinJapan,with7.9milliondownloads.RakutenGroup'spaymentappꢀRakutenPayfollowedwitharound6.4milliondownloads.

ReadmoreNote(s):Japan;2023;20leadingappsavailableforfreeSource(s):AppMagicUsagerateofdifferentQRcodepaymentappservicesinJapanasofApril2023MostusedQRcodepaymentmethodsinJapan2023Shareofrespondents25%

30%0%5%10%15%20%35%40%45%50%49%55%PayPayRakutenPaydBarai20%17%auPAY13%merpay9%LINEPayFamiPay7%5%34Description:AccordingtoasurveyconductedinApril2023,approximately49percentofrespondentsinJapanusedtheQRcodepaymentservicePayPay.ThesecondmostcommonservicewasRakutenPay,with20percentofrespondentsstatingtheyusedthepaymentapp.ReadmoreNote(s):Japan;April11to13,2023;20,000respondents;16-69years;multipleanswerspossibleSource(s):InfcurionNumberofregisteredusersofmobilepaymentapplicationPayPayfromfiscalyear2018to2023(inmillions)PayPay'snumberofregisteredusersFY2018-202370605063.0456.6446.7938.0340302010027.125.9820182019202020212022202335Description:Inthefiscalyear2023,mobilepaymentplatformPayPaycountedover63millionregisteredusers.Thismarkedanincreaseof11.3percentcomparedtothepreviousfiscalyear.PayPayenablesuserstoconnecttheirbankaccounttoasmartphoneappandperformfinancialtransactionsbyscanningaQRcodeorbarcode.ReadmoreNote(s):Japan;fiscalyears2018to2023;thecompany'sfiscalyearrunsfromApril1ofeachstatedyeartoMarch31ofthefollowingyear;asofendofeachfiscalyear;standalonevaluesSource(s):LYNumberofusersofpaymentservicedPayment(dBarai)fromfiscalyear2019to2022(inmillions)dBarai'snumberofusersFY2019-20226050403051.9943.7535.2325.2620100201920202021202236Description:Inthefiscalyear2022,thepaymentservicedBaraireportedaround51.99millionusers.Thisrepresentedanincreasefrom43.75millionusersinthepreviousfiscalyear.dBarai,ordPayment,isaJapanesepaymentserviceofferedbymobilecarrierNTTDocomo.ReadmoreNote(s):Japan;fiscalyears2019to2022;thecompany'sfiscalyearstartsonApril1ofthestatedyearandendsonMarch31ofthefollowingyearSource(s):NTTDoCoMoNumb