借記卡市場增長前景到2029年：使用，欺詐和技術進步

這種向上的趨勢表明，到2029年，全球借記卡使用的需求和擴展。

The world of payment systems is evolving rapidly, and debit cards remain a cornerstone of personal finance. From their humble beginnings as simple plastic cards to today’s technologically advanced payment tools, debit cards have become more versatile than ever. As cash use continues to decline globally, understanding the current landscape of debit card usage is crucial for consumers, businesses, and financial institutions. This article delves deep into the key statistics, trends, and growth areas surrounding debit card usage in 2025.

支付系統的世界正在迅速發展，借記卡仍然是個人理財的基石。從簡單的塑料卡作為當今技術先進的支付工具的謙虛開端，借記卡變得比以往任何時候都變得更加通用。隨著現金使用在全球範圍內繼續下降，了解當前使用借記卡的情況對於消費者，企業和金融機構至關重要。本文深入研究了2025年借記卡的主要統計數據，趨勢和增長領域。

Editor’s Choice: Key Statistics and Trends

編輯的選擇：關鍵統計和趨勢

Debit Card Market Growth Outlook

借記卡市場增長前景

This upward trend indicates sustained demand and expansion in debit card usage worldwide through 2029.

這種向上的趨勢表明，到2029年，全球借記卡使用的需求和擴展。

The Payment Card Landscape

支付卡的景觀

US Primary Payment Card Usage by Income Level

美國主付款卡按收入水平使用

Cardholder and Transaction Data

持卡人和交易數據

Card Usage by Age & Income

按年齡和收入計算的卡

The Rise of Digital Wallets

數字錢包的興起

US Restaurant Payment Methods: Usage and Spending Breakdown

美國餐廳付款方式：用法和支出故障

Debit Card Fraud

借記卡欺詐

In-Person Payment Trends by Card Type

按卡類型的面對面支付趨勢

Recent Developments

最近的發展

The industry is witnessing a paradigm shift with the integration of advanced technologies like artificial intelligence (AI) and biological recognition. These innovations are set to redefine the landscape of debit card security and efficiency.

該行業正在與先進技術（例如人工智能（AI）和生物學識別）等先進技術的整合進行範式轉變。這些創新將重新定義借記卡安全性和效率的景觀。

In the US alone, approximately 75% of consumers prefer to use their debit cards over credit cards for everyday purchases. This preference can be attributed to the direct withdrawal of funds from the linked bank account, reducing the accumulation of debt.

僅在美國，大約有75％的消費者更喜歡使用其借記卡而不是信用卡進行日常購買。該偏好可以歸因於從鏈接的銀行帳戶中直接撤回資金，從而減少了債務的積累。

In 2024, a staggering 182 billion mobile wallet transactions were executed globally, showcasing the rapid adoption and convenience of digital wallet payment methods among consumers.

2024年，全球執行了驚人的1820億移動錢包交易，展示了消費者中數字錢包支付方法的快速採用和便利性。

The global debit card market is expected to reach an impressive 10,105 billion USD by 2029, expanding at a remarkable CAGR of 11.04%. This growth will be driven by increasing consumer spending and the introduction of new card technologies.

預計到2029年，全球借記卡市場預計將達到1000.5億美元，其複合年增長率為11.04％。這種增長將取決於消費者支出的增加和新卡技術的引入。

With the integration of biometric technology, such as facial recognition and fingerprint scanning, a new era of security is being ushered in for debit card users.

隨著面部識別和指紋掃描等生物識別技術的整合，為藉記卡用戶提供了一個新的安全時代。

As the use of cash continues to decline, and-person transactions are set to rise sharply in the upcoming years.

隨著現金的使用繼續下降，在接下來的幾年中，交易將急劇上升。

Consumers are becoming more aware of the environmental impact of plastic and are opting for sustainable card options made from recyclable materials.

消費者越來越意識到塑料的環境影響，並且選擇了可回收材料製成的可持續卡選擇。

The use of debit cards for online transactions is surging, driven by the convenience and security of online banking platforms.

在線銀行平台的便利性和安全性驅動到在線交易中，將藉記卡用於在線交易。

In the US, debit cards are the preferred mode of payment, especially among younger generations and lower-income earners.

在美國，借記卡是首選的付款方式，尤其是在年輕一代和低收入者中。

The use of digital wallets, such as Apple Pay and Google Pay, is exploding, offering seamless integration with debit cards for contactless payments.

數字錢包的使用（例如Apple Pay和Google Pay）正在爆炸，並提供了與借記卡無縫集成以進行非接觸式付款。

In the restaurant industry, debit cards are the dominant payment method, accounting for the majority of both usage and spending.

在餐飲業中，借記卡是主要的支付方法，佔使用和支出的大部分。

While instances of debit card fraud are relatively low, efforts to improve detection and prevention are ongoing to create safer payment environments.

儘管借記卡欺詐的實例相對較低，但仍在進行改善檢測和預防的努力，以創造更安全的支付環境。

Recent research from Cardtronics and Payment Journal has revealed valuable insights into current in-person (UPI) payment trends by card type.

CardTronics and Payment Journal的最新研究揭示了對當前面對面（UPI）付款趨勢的寶貴見解。

The integration of payment technology in smartwatches is opening up new possibilities for consumers to make transactions effortlessly and conveniently.

智能手錶中支付技術的集成正在為消費者毫不費力，方便地進行交易開闢了新的可能性。

The industry is buzzing with anticipation for the introduction of new card products and services, promising to enhance the consumer experience and drive further innovation in the market.

該行業對引入新的卡產品和服務的期待令人興奮，有望增強消費者體驗並推動市場上的進一步創新。

Conclusion

結論

Debit card usage continues to evolve with technological advancements and growing consumer preferences for contactless and digital wallet payments. The global trends indicate a significant shift towards mobile and digital payments, with an emphasis on security and user convenience. While fraud remains a concern, improvements in biometric technology and AI-driven fraud prevention are creating safer environments for debit cardholders. Looking ahead, the industry will likely see further innovation, ensuring debit cards remain a key player in both online and in-person transactions worldwide.

借記卡的使用繼續隨著技術進步以及對無接觸式和數字錢包支付的消費者偏好的不斷發展而發展。全球趨勢表明，向移動和數字支付的重大轉變，重點是安全和用戶便利。儘管欺詐仍然是一個問題，但生物識別技術和AI驅動的欺詐行為的改進正在為藉方持卡人創造更安全的環境。展望未來，該行業可能會看到進一步的創新，確保借記卡仍然是全球在線和麵對面交易中的關鍵參與者。

Sources

來源

Tech and finance enthusiast, passionate about making technology and fintech concepts accessible to everyone.

技術和金融愛好者，熱衷於使每個人都可以訪問技術和金融科技概念。

Spends his time collecting key statistics and breaking down complex information, focusing on the benefits that software and financial tools bring to everyday life.

花時間收集關鍵統計數據並分解複雜的信息，重點關注軟件和財務工具對日常生活帶來的好處。

Figuring out how software works and sharing its value with users is his favorite pastime. When he's not analyzing apps or programs, he enjoys creating healthy recipes, practicing yoga, meditating, and spending time in nature with his child.

弄清軟件的工作原理並與用戶共享價值是他最喜歡的消遣。當他不分析應用程序或程序時，他喜歡創建健康的食譜，練習瑜伽，冥想和與孩子在自然界中度過時光。

His mission is to simplify finance and tech insights to help people make informed decisions.

他的任務是簡化金融和技術見解，以幫助人們做出明智的決定。

Kathleen Kinder, Senior Editor at CoinLaw, brings over 8 years of experience in the research and analysis of blockchain and cryptocurrency to her role at the firm. Having completed a Master's degree in Law, specializing in cryptocurrency and banking law, Kinder's expertise in the rapidly evolving landscape of digital assets is evident in her writing for the publication.

Coinlaw的高級編輯凱瑟琳·金德（Kathleen Kinder）在對區塊鍊和加密貨幣的研究和分析中帶來了超過8年的經驗，成為她在該公司的角色。在完成了法律碩士學位，專門研究加密貨幣和銀行法，金德在迅速發展的數字資產景觀方面的專業知識在她的出版物中很明顯。

Kinder's work focuses on examining the legal and regulatory frameworks surrounding cryptocurrencies and their integration into the broader financial system. Her articles provide valuable insights into the key trends, challenges, and opportunities shaping the future of the industry.

Kinder的工作著重於研究圍繞加密貨幣的法律和監管框架及其整合到更廣泛的金融體系中。她的文章為塑造行業未來的關鍵趨勢，挑戰和機遇提供了寶貴的見解。

At CoinLaw, Kinder

在Coinlaw，Kinder