Back to Index

Japan

Mobile Commerce Clusters

?
Mobile Commerce Clusters
Measures partnerships among banks, mobile networks, and governments.
More

Environment

?
Environment
Measures economic, technological, and demographic factors within a market.
More

Infrastructure

?
Infrastructure
Measures the sophistication and penetration of the mobile phone industry and NFC terminalization.
More
39.6

Consumer Readiness

?
Consumer Readiness
Measures how familiar with, how willing to use, and how frequently consumers are currently using all three types of mobile payments.
More

Financial Services

?
Financial Services
Measures the effectiveness and penetration of consumer financial products.
More

Regulation

?
Regulation
Measures legal and regulatory structures and how they affect businesses.
More

Summary

Japan’s overall score of 39.6 is driven by high scores across all the components measured, earning the country the number-six spot on the MasterCard Mobile Payments Readiness Index. Japan scores particularly well in Financial Services, Mobile Commerce Clusters, and Infrastructure. While Japanese consumers do not appear ready for all three varieties of mobile payments, they do show some interest in m-commerce. Japan has many of the right elements in place; ultimately, consumer adoption will be the critical success factor.

Download the Report

What you need to know:

Japan scores well on most of the components except Consumer Readiness
Key telco-bank partnerships like NTT docomo are in place in Japan
20% of Japanese consumers are familiar with mobile payments at POS, while only 8% are willing to use the capability

Country Overview

Market Forces

The overall environment in Japan is favorable for mobile payments. The country boasts a high household consumption per capita and high Internet penetration
(80 percent against an Index average of 52 percent). Technology is well-absorbed by businesses and consumers alike, creating a hospitable environment for all forms of mobile payments.

Japan's financial services are affordable and its businesses show high degrees of customer friendliness; the country's highest ranking is in the Financial Services component. Mobile partnerships, especially NTT docomo's current mobile offering, are functioning well in Japan, rounding out the elements needed for mobile payments adoption.


Consumer Sentiment

According to MasterCard research, Japanese consumers are familiar with some forms of mobile payments, primarily m-commerce and point-of-sale payments (POS); they are less familiar with person-to-person (P2P) payments. Although 20 percent of

Japanese consumers are familiar with payments at the POS (compared to the average of 11.3 percent globally) and 26 percent are familiar with m-commerce (compared with the Index average of 19.5 percent), they are less willing to use mobile devices for payments.

© MasterCard

GLOBAL PERSPECTIVE ON CONSUMER SENTIMENT IN JAPAN

Relative to the Index average and leading countries, how do consumers feel about mobile payments?

54% - France
Country Score Index Average Leading Country

MasterCard Conclusion

Nearly all the elements are in place for mobile payments to flourish in Japan according to MasterCard's Mobile Readiness Index. The gap between consumer willingness to use mobile payments and their familiarity with the concept is the key barrier that needs to be overcome before measurable adoption can take place. Consumer education about the benefits of mobile payments is a necessary
starting point.

39.6
Download the Report

Wondering how Japan stacks up against other countries?

Compare Countries
Back to Index
Receive updates about other insights: Subscribe
View Data Sources