キャッシュレス決済のメリットとデメリットを最新データ分析②全６回

Summary

The video discusses Japan's current state of cashless payments, highlighting that while Japan has the highest number of cashless payment tools per person, its usage remains relatively low. Despite the widespread ownership of various digital payment methods like credit cards and e-money, many Japanese citizens still prefer using cash. The government has made efforts to promote cashless payments through initiatives such as point rebate systems and the upcoming 2025 Osaka World Expo. The video also addresses the growing role of bank transfers and direct debits, suggesting that these forms of cashless payments should be more widely adopted for convenience and reliability.

Takeaways

• 😀 Japan leads in the number of cashless payment methods owned, with people holding multiple options like electronic money, QR code payments, and credit cards.
• 😀 Despite holding many cashless payment methods, Japan lags behind in actual usage compared to other countries, suggesting that people still prefer cash for various reasons.
• 😀 The key challenge for Japan is to improve cashless payment usage before the Osaka World Expo next year, as tourists might find it inconvenient to pay with cash in a country where cashless payments are not widespread.
• 😀 Japan's cashless payment promotion efforts, including point-back programs, began in 2019, aiming to boost adoption.
• 😀 Including bank transfers and direct debit payments, Japan ranks as a major cashless society, with 67% of payments being cashless when these methods are considered.
• 😀 Bank transfers and direct debits are widely used in Japan for regular payments like rent, utilities, and insurance, contributing to the country's high cashless payment ratio.
• 😀 Despite not being classified as part of the cashless payment systems, bank transfers and direct debits are essentially cashless methods because they don't involve physical cash.
• 😀 Full cashless users in Japan mainly use credit cards (47%), followed by QR code payments (12%), and electronic money (6%). However, a significant portion of people still rely on cash for 14% of their purchases.
• 😀 Bank transfers and direct debits remain unchanged even among cash users, showing their widespread adoption regardless of cash preference.
• 😀 The speaker suggests that shifting from invoice-based payments to direct debit payments could streamline cashless adoption and reduce the risk of missed payments, offering a more reliable system for both consumers and businesses.

Q & A

What surprising data was mentioned about Japan's cashless payment situation?

The surprising data revealed that Japan holds the highest number of cashless payment methods among major countries, even though its usage of these methods is relatively low compared to other nations.

Why does Japan's government want to promote cashless payments, especially ahead of the Osaka Expo?

Japan aims to promote cashless payments in preparation for the Osaka Expo in 2025, as the country does not want to be perceived as outdated, especially when international visitors expect cashless options that are prevalent in many other countries.

What is the impact of Japan's cashless payment situation on its international image?

Japan's low adoption of cashless payments compared to global standards could negatively affect its international image, particularly among tourists who may find it inconvenient to use cash in a country that lacks widespread cashless options.

What is Japan's ranking in terms of cashless payment adoption when considering bank transfers and automatic payments?

When including bank transfers and automatic payments, Japan ranks among the top countries for cashless payment adoption, with a rate of 67%, which is above the global average.

Why are bank transfers and automatic payments often overlooked in global cashless payment statistics?

Global statistics often overlook bank transfers and automatic payments, which are an essential part of Japan's cashless infrastructure, because these methods are considered less 'visible' than other forms like QR codes or credit cards.

What kind of payments are typically made through bank transfers or automatic payments in Japan?

In Japan, payments such as rent, insurance premiums, taxes, and utility bills are commonly made through bank transfers or automatic payments, which are already cashless systems.

How does Japan’s widespread use of bank transfers and automatic payments impact its cashless adoption?

Japan's extensive use of bank transfers and automatic payments, which are effectively cashless, helps push the country's overall adoption rate of cashless systems higher than initially apparent.

What is the issue with Japan's current cashless payment options, despite the high number of payment methods available?

While many Japanese people own multiple cashless payment tools, such as credit cards, QR codes, and electronic money, many still prefer cash due to convenience or concerns that cashless methods might be less advantageous for them.

How has the introduction of QR code-based payment systems influenced Japan's cashless payment adoption?

QR code-based payment systems, particularly PayPay, have significantly boosted cashless payment adoption in Japan by providing an easy and low-cost solution for businesses to implement, making cashless payments more accessible.

What is the difference in the approach to cashless payments between businesses (B2C) and personal (B2B) transactions?

In B2C transactions, businesses often encourage customers to pay directly using cashless methods, while in B2B transactions, the focus is on improving cashless payment systems like bank transfers or direct deposits, which reduce friction and ensure consistent payments.