{
  "slug": "jp-fintech",
  "name": "Japan Fintech & Cashless Payments",
  "updated": "2026-10-31",
  "page": "https://godofstartups.com/atlas/markets/jp-fintech",
  "license": "https://creativecommons.org/licenses/by/4.0/",
  "facts": [
    {
      "metric": "Monthly household online shopping spending on food, Japan",
      "value": "5,823",
      "unit": "JPY per month",
      "geo": "JP",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://www.stat.go.jp/data/joukyou/2025ar/gaikyou/pdf/gkall.pdf"
    },
    {
      "metric": "Debit card transaction value, Japan",
      "value": "+20.4",
      "unit": "100 million JPY",
      "geo": "JP",
      "period": "FY2025",
      "tier": 1,
      "status": "ready",
      "url": "https://www.boj.or.jp/statistics/set/kess/release/2026/kess2608.pdf"
    },
    {
      "metric": "Financial institutions issuing debit cards, Japan (counted per network)",
      "value": "+17.2",
      "unit": "institutions",
      "geo": "JP",
      "period": "FY2025",
      "tier": 1,
      "status": "ready",
      "url": "https://www.boj.or.jp/statistics/set/kess/release/2026/kess2608.pdf"
    },
    {
      "metric": "Interchange fees earned, PayPay Card, Japan",
      "value": "3060",
      "unit": "JPY million/quarter",
      "geo": "JP",
      "period": "2026-Q2",
      "tier": 1,
      "status": "ready",
      "url": "https://www.sec.gov/Archives/edgar/data/2080845/000208084526000020/payp-ex99_1.htm"
    },
    {
      "metric": "Households with a member holding electronic money",
      "value": "74.3",
      "unit": "percent",
      "geo": "JP",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://www.stat.go.jp/data/joukyou/2025ar/gaikyou/pdf/gkall.pdf"
    },
    {
      "metric": "Financial institutions offering retail internet banking, Japan",
      "value": "1080",
      "unit": "institutions",
      "geo": "JP",
      "period": "2026-03",
      "tier": 1,
      "status": "ready",
      "url": "https://www.fsa.go.jp/news/r8/ginkou/20261016/01.xlsx"
    },
    {
      "metric": "Monthly online shopping spending per household, household head aged under 40, Japan",
      "value": "36,726",
      "unit": "JPY per month",
      "geo": "JP",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://www.stat.go.jp/data/joukyou/2024ar/gaikyou/pdf/gkall.pdf"
    },
    {
      "metric": "Payment cost rate (segment opex / GMV), PayPay, Japan",
      "value": "1.23",
      "unit": "percent of GMV",
      "geo": "JP",
      "period": "2026-Q2",
      "tier": 1,
      "status": "ready",
      "url": "https://www.sec.gov/Archives/edgar/data/2080845/000208084526000005/payp-ex99_1.htm"
    },
    {
      "metric": "Payment take rate (segment revenue / GMV), PayPay, Japan",
      "value": "1.64",
      "unit": "percent of GMV",
      "geo": "JP",
      "period": "2026-Q2",
      "tier": 1,
      "status": "ready",
      "url": "https://www.sec.gov/Archives/edgar/data/2080845/000208084526000005/payp-ex99_1.htm"
    },
    {
      "metric": "ATMs operated by labour banks, Japan",
      "value": "1414",
      "unit": "ATMs",
      "geo": "JP",
      "period": "2026-03",
      "tier": 1,
      "status": "ready",
      "url": "https://www.fsa.go.jp/news/r8/ginkou/20261016/01.xlsx"
    },
    {
      "metric": "Active rate (monthly transacting users / registered users), PayPay, Japan",
      "value": "56",
      "unit": "percent",
      "geo": "JP",
      "period": "2026-06",
      "tier": 1,
      "status": "ready",
      "url": "https://www.sec.gov/Archives/edgar/data/2080845/000208084526000020/payp-ex99_1.htm"
    },
    {
      "metric": "Total revenue growth year-on-year, PayPay, Japan",
      "value": "27",
      "unit": "percent",
      "geo": "JP",
      "period": "2026-Q2",
      "tier": 1,
      "status": "ready",
      "url": "https://www.sec.gov/Archives/edgar/data/2080845/000208084526000020/payp-ex99_1.htm"
    },
    {
      "metric": "Japan SMEs not preparing trial balances, by annual sales JPY 10–50M",
      "value": "27.8",
      "unit": "percent",
      "geo": "JP",
      "period": "2024",
      "tier": 2,
      "status": "proxy",
      "url": "https://www.jcci.or.jp/20240909_invoice_survey.pdf"
    },
    {
      "metric": "Increase in automatic debit application rate from benefit nudge flyer, property tax, Yokohama (arm nudge_flyer)",
      "value": "2.7",
      "unit": "percentage points",
      "geo": "JP",
      "period": "2026",
      "tier": 1,
      "status": "ready",
      "url": "https://www.rieti.go.jp/en/publications/summary/26030006.html"
    },
    {
      "metric": "Monthly payment GMV per transacting user, PayPay, Japan",
      "value": "43,261",
      "unit": "JPY/month",
      "geo": "JP",
      "period": "2026-Q2",
      "tier": 1,
      "status": "ready",
      "url": "https://www.sec.gov/Archives/edgar/data/2080845/000208084526000005/payp-ex99_1.htm"
    },
    {
      "metric": "Monthly online food delivery (demae) spending per household, all ages, Japan",
      "value": "728",
      "unit": "JPY per month",
      "geo": "JP",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://www.stat.go.jp/data/joukyou/2025ar/gaikyou/pdf/gkall.pdf"
    },
    {
      "metric": "Online payments share of PayPay Balance and PayPay Credit GMV, Japan",
      "value": "18",
      "unit": "percent",
      "geo": "JP",
      "period": "2026-Q2",
      "tier": 1,
      "status": "ready",
      "url": "https://www.sec.gov/Archives/edgar/data/2080845/000208084526000020/payp-ex99_1.htm"
    },
    {
      "metric": "Japan prefectures: share of individuals aged 6+ who used the internet in the past year",
      "value": "81.4",
      "unit": "percent",
      "geo": "JP-35",
      "period": "2025",
      "tier": 1,
      "status": "ready",
      "url": "https://www.soumu.go.jp/johotsusintokei/statistics/data/250530_1.pdf"
    },
    {
      "metric": "Japan fintech investment value (VC, PE and M&A)",
      "value": "760.5",
      "unit": "USD million",
      "geo": "JP",
      "period": "H1 2025",
      "tier": 2,
      "status": "proxy",
      "url": "https://assets.kpmg.com/content/dam/kpmgsites/sg/pdf/2025/08/pulse-of-fintech-h125-report.pdf.coredownload.inline.pdf"
    },
    {
      "metric": "Reason Japan SMEs do not file taxes electronically: No perceived benefit",
      "value": "56.1",
      "unit": "percent",
      "geo": "JP",
      "period": "2024",
      "tier": 2,
      "status": "proxy",
      "url": "https://www.jcci.or.jp/20240909_invoice_survey.pdf"
    },
    {
      "metric": "Share of retail internet banking providers using one-time (variable) passwords, Japan",
      "value": "99.5",
      "unit": "percent of institutions",
      "geo": "JP",
      "period": "2026-03",
      "tier": 1,
      "status": "ready",
      "url": "https://www.fsa.go.jp/news/r8/ginkou/20261016/01.xlsx"
    },
    {
      "metric": "Share of cash cards that are IC (chip) cards, Japan",
      "value": "49.7",
      "unit": "percent of cash cards",
      "geo": "JP",
      "period": "2026-03",
      "tier": 1,
      "status": "ready",
      "url": "https://www.fsa.go.jp/news/r8/ginkou/20261016/01.xlsx"
    },
    {
      "metric": "Share of international-brand debit card issuers that in principle compensate overseas fraud losses, Japan",
      "value": "46.7",
      "unit": "percent of issuers",
      "geo": "JP",
      "period": "2026-03",
      "tier": 1,
      "status": "ready",
      "url": "https://www.fsa.go.jp/news/r8/ginkou/20261016/01.xlsx"
    },
    {
      "metric": "eKYC-verified PayPay users, Japan",
      "value": "42.5",
      "unit": "million users",
      "geo": "JP",
      "period": "2026-06",
      "tier": 1,
      "status": "ready",
      "url": "https://www.sec.gov/Archives/edgar/data/2080845/000208084526000020/payp-ex99_1.htm"
    }
  ],
  "note": "status: ready = two or more independent sources or an official series; proxy = one source; context = macro background, not a validation figure."
}