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Visa’s survey reveals need for integrated payment solutions in Asia Pacific’s public transport sector

  • Fourty-four per cent of Asia Pacific commuters will use different forms of public transportation if they can pay with a single payment method, signalling the need for a seamless payment experience
  • Fifty-eight per cent of commuters prefer a one-stop digital service for advanced booking and payments across all public transportation modes

SINGAPORE, Aug. 16, 2023 /PRNewswire/ — Half (49%) of commuters in Asia Pacific use four or more different payment methods for transportation each month, the new Visa Global Urban Mobility Survey conducted by Wakefield Research shows.[1] Three out of five respondents (58%) expressed a desire to use a single payment method for all transportation modes, which would in turn encourage them to use public transport more. The study’s findings further underline the growing need to simplify payment methods for commuters.

Public transportation accounts for nearly 70 per cent of urban passenger trips in Asia Pacific.[2] As urban populations continue to grow, the public transportation sector faces a pressing need to adapt to the evolving needs and payment preferences of commuters. For many unbanked households, public transit is an essential service for their transport needs – however, many consumers struggle with the payment methods available.

According to this year’s study, which surveyed commuters across four Asia Pacific markets including Australia, Indonesia, Japan and Singapore, 96 per cent of respondents expect public transport providers to offer contactless payment methods, with 65 per cent of respondents likely to use a contactless payment option for their public transport needs. These options include contactless debit, credit or prepaid cards. Benefits cited for leveraging contactless payments include convenience, having less worry over carrying enough or exact cash, and a guarantee of the best possible fare through fare capping limits.

“The study reveals a strong demand among commuters in Asia Pacific for seamless and convenient payment options in public transportation,” said T.R. Ramachandran, Head of Products and Solutions, Asia Pacific, Visa. “At Visa, we continue to work closely with governments and transport operators to offer a unified payment experience that accommodates a wide range of payment methods to boost urban mobility by focusing on customer convenience.  We aim to provide a streamlined system for payments, benefitting both commuters and the transportation ecosystem as a whole.”

Half of commuters (45%) will also use public transport on a more frequent basis if their journeys are fare-capped, the study shows. Contactless payments guarantee exact fares for transit riders as opposed to other methods such as cash. Fare capping also limits how much a commuter pays for their total rides in a day, week or month, eliminating the need to tie up funds on a monthly pass or transit-dedicated card.

“The benefits of contactless payment options on public transport extend beyond minimising friction for consumer payments – they are also an integral piece in driving broader financial inclusion,” Ramachandran said. “Digital payment methods for public transport plays a key role in supporting underbanked and unbanked individuals, for which public transport remains a necessity for commutes to work or to school. As a leader in digital payments, Visa is committed to ensuring inclusivity in the urban mobility ecosystem through accessible financial solutions.”

Transforming commuter experiences with Mobility-as-a-Service capabilities

As the public transportation sector looks to implement Mobility-as-a-Service (MaaS) solutions to better improve urban mobility, key challenges such as data management and interoperability between digital payments remain. To meet these challenges, Visa has developed a comprehensive range of solutions that integrate the way people prefer to pay across their preferred public transport modes.

Visa has also worked with governments, transport authorities and private companies to provide MaaS solutions and has since launched more than 650 contactless public transit projects worldwide, processing more than one billion tap-to-pay transit rides in 2022.

Methodology: Visa Global Urban Mobility Survey 2023

The Visa Global Urban Mobility Survey was conducted by Wakefield Research in May 2023 among 11,500 respondents in 12 markets who take public transportation: Singapore, Japan, Egypt, Australia, United States, Indonesia, United Kingdom, Pakistan, Germany, Italy, Mexico, and Chile. It measures sentiments on public transport and consumer payment behaviours when taking different modes of transportation.

About Visa

Visa (NYSE: V) is a world leader in digital payments, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories. Our mission is to connect the world through the most innovative, convenient, reliable and secure payments network, enabling individuals, businesses and economies to thrive. We believe that economies that include everyone everywhere, uplift everyone everywhere and see access as foundational to the future of money movement. Learn more at

[1] The Visa GUM Survey was conducted by Wakefield Research among 11,500 respondents in 12 markets who take public transportation: Singapore, Japan, Egypt, Australia, United States, Indonesia, United Kingdom, Pakistan, Germany, Italy, Mexico, Chile, between May 4th and May 16th, 2023.

[2] Asia’s Cities Need Quality Public Transport, Asian Development Bank, 2022