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BIBLIOGRAPHY

The Cashless Payment Ratio for 2025 Has Been Calculated

Ministry of Economy, Trade and Industry

Claims Supported by This Source

  1. The cashless payment ratio for 2025 (domestic indicator) is 58.0% (162.7 trillion yen).
  2. Breakdown of the numerator: credit cards 82.7% (134.6 trillion yen), debit cards 3.4% (5.5 trillion yen), e-money 3.7% (6.0 trillion yen), and code payments 10.2% (16.6 trillion yen).
  3. In the December 2025 summary by the Cashless Promotion Council, the future target is "a cashless payment ratio of 80% based on the domestic indicator," and the interim target for 2030 is 65% (domestic indicator) or 55% (international comparison indicator).
  4. The denominator for the international comparison indicator includes imputed rent for owner-occupied housing, etc. (approx. 57 trillion yen, equivalent to about 17%). Based on actual results from 2020-2024, the domestic indicator is about 8-9% higher.
  5. Sources: Japan Credit Association for credit cards; Bank of Japan's "Payment and Settlement Statistics" for debit cards and e-money; Payments Japan Association for code payments; and the Cabinet Office's "System of National Accounts" (nominal) for the denominator.

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