借记卡市场增长前景到2029年：使用，欺诈和技术进步

这种向上的趋势表明，到2029年，全球借记卡使用的需求和扩展。

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.

支付系统的世界正在迅速发展，借记卡仍然是个人理财的基石。从简单的塑料卡作为当今技术先进的支付工具的谦虚开端，借记卡变得比以往任何时候都变得更加通用。随着现金使用在全球范围内继续下降，了解当前使用借记卡的情况对于消费者，企业和金融机构至关重要。本文深入研究了2025年借记卡的主要统计数据，趋势和增长领域。

Editor’s Choice: Key Statistics and Trends

编辑的选择：关键统计和趋势

Debit Card Market Growth Outlook

借记卡市场增长前景

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

这种向上的趋势表明，到2029年，全球借记卡使用的需求和扩展。

The Payment Card Landscape

支付卡的景观

US Primary Payment Card Usage by Income Level

美国主付款卡按收入水平使用

Cardholder and Transaction Data

持卡人和交易数据

Card Usage by Age & Income

按年龄和收入计算的卡

The Rise of Digital Wallets

数字钱包的兴起

US Restaurant Payment Methods: Usage and Spending Breakdown

美国餐厅付款方式：用法和支出故障

Debit Card Fraud

借记卡欺诈

In-Person Payment Trends by Card Type

按卡类型的面对面支付趋势

Recent Developments

最近的发展

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.

该行业正在与先进技术（例如人工智能（AI）和生物学识别）等先进技术的整合进行范式转变。这些创新将重新定义借记卡安全性和效率的景观。

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.

仅在美国，大约有75％的消费者更喜欢使用其借记卡而不是信用卡进行日常购买。该偏好可以归因于从链接的银行帐户中直接撤回资金，从而减少了债务的积累。

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，全球执行了惊人的1820亿移动钱包交易，展示了消费者中数字钱包支付方法的快速采用和便利性。

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.

预计到2029年，全球借记卡市场预计将达到1000.5亿美元，其复合年增长率为11.04％。这种增长将取决于消费者支出的增加和新卡技术的引入。

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.

随着面部识别和指纹扫描等生物识别技术的整合，为借记卡用户提供了一个新的安全时代。

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

随着现金的使用继续下降，在接下来的几年中，交易将急剧上升。

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

消费者越来越意识到塑料的环境影响，并且选择了可回收材料制成的可持续卡选择。

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

在线银行平台的便利性和安全性驱动到在线交易中，将借记卡用于在线交易。

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

在美国，借记卡是首选的付款方式，尤其是在年轻一代和低收入者中。

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

数字钱包的使用（例如Apple Pay和Google Pay）正在爆炸，并提供了与借记卡无缝集成以进行非接触式付款。

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

在餐饮业中，借记卡是主要的支付方法，占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.

尽管借记卡欺诈的实例相对较低，但仍在进行改善检测和预防的努力，以创造更安全的支付环境。

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的最新研究揭示了对当前面对面（UPI）付款趋势的宝贵见解。

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

智能手表中支付技术的集成正在为消费者毫不费力，方便地进行交易开辟了新的可能性。

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.

该行业对引入新的卡产品和服务的期待令人兴奋，有望增强消费者体验并推动市场上的进一步创新。

Conclusion

结论

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.

借记卡的使用继续随着技术进步以及对无接触式和数字钱包支付的消费者偏好的不断发展而发展。全球趋势表明，向移动和数字支付的重大转变，重点是安全和用户便利。尽管欺诈仍然是一个问题，但生物识别技术和AI驱动的欺诈行为的改进正在为借方持卡人创造更安全的环境。展望未来，该行业可能会看到进一步的创新，确保借记卡仍然是全球在线和面对面交易中的关键参与者。

Sources

来源

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

技术和金融爱好者，热衷于使每个人都可以访问技术和金融科技概念。

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

花时间收集关键统计数据并分解复杂的信息，重点关注软件和财务工具对日常生活带来的好处。

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.

弄清软件的工作原理并与用户共享价值是他最喜欢的消遣。当他不分析应用程序或程序时，他喜欢创建健康的食谱，练习瑜伽，冥想和与孩子在自然界中度过时光。

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

他的任务是简化金融和技术见解，以帮助人们做出明智的决定。

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的高级编辑凯瑟琳·金德（Kathleen Kinder）在对区块链和加密货币的研究和分析中带来了超过8年的经验，成为她在该公司的角色。在完成了法律硕士学位，专门研究加密货币和银行法，金德在迅速发展的数字资产景观方面的专业知识在她的出版物中很明显。

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的工作着重于研究围绕加密货币的法律和监管框架及其整合到更广泛的金融体系中。她的文章为塑造行业未来的关键趋势，挑战和机遇提供了宝贵的见解。

At CoinLaw, Kinder

在Coinlaw，Kinder