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市場調査レポート
商品コード
1150133
ATMソフトウェアの世界市場規模、シェア、産業動向分析レポート:エンドユーザー別、機能別、地域別展望と予測、2022年~2028年Global ATM Software Market Size, Share & Industry Trends Analysis Report By End User, By Function, By Regional Outlook and Forecast, 2022 - 2028 |
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ATMソフトウェアの世界市場規模、シェア、産業動向分析レポート:エンドユーザー別、機能別、地域別展望と予測、2022年~2028年 |
出版日: 2022年09月30日
発行: KBV Research
ページ情報: 英文 180 Pages
納期: 即納可能
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ATMソフトウェアの世界市場規模は、予測期間中にCAGR4.4%で成長し、2028年には61億米ドルに達すると予測されています。
ATMソフトウェア市場の拡大に拍車をかけている主な要因の1つは、ATMソフトウェアの利点に対する認知度の高まりです。タッチスクリーン、キャッシュレス取引、QRコードなどの新技術の登場や、さまざまな金融分野でセルフサービス型ATMソフトウェアの需要が高まっていることが挙げられます。
最新のATMソフトウェアおよびハードウェアに対する需要の高まり、およびマルチベンダーATMサポートサービスにおける予防保守のための高度な分析の利用増加による技術の高い採用が、ATMソフトウェアのニーズを高めています。
COVID-19の影響分析
ATMソフトウェア市場は、COVID-19のパンデミックにより被害を受けました。2020年、このパンデミックにより、複数の国の政府が国境を封鎖し、市場や企業などの公共の場を一時的に閉鎖することを余儀なくされました。封鎖された様々な地域は、製造施設の閉鎖の結果、収入とビジネスの損失を経験しました。サプライチェーンの混乱により、ATMソフトウェアおよびサービスの需要および売上が大幅に減少し、販売、製造および納品スケジュールに悪影響が生じました。
市場の成長要因
新たなトレンドとなりつつある人工知能(Ai)の活用
ATM技術では、現金の払い出しや決済処理といった従来の機能に加え、効率性や安全性を高めるために機械学習が取り入れられるようになってきています。また、ATMソフトウエアの活用により、メカのレベル、機械の動作、センサーの動作パターンなど、システムの稼働状況、サービス業務の効率化、トラブルや機械の挙動を予測する個別情報もトラックバックされるようになりました。AIは、ATMシステム開発者に全く新しい視点と様々な新技術を提供し、ATMシステムの難題を解決する可能性を秘めているのです。
ATMの需要は拡大中
ATMの需要は、銀行が提供する24時間365日利用可能な取引サービスという独立した機能により、多くの場所で増加しています。銀行・金融分野の技術進歩に伴い、ATMは単なる現金自動預け払い機から、より豊かでパーソナライズされたコミュニケーション・チャンネルへと進化しつつあります。より統合された付加価値の高いサービスを提供することで、顧客ロイヤリティの獲得に貢献しています。したがって、現金自動預け払い機の利用拡大が、今後数年間で相当な額の収益を生むと考えられます。このため、ATMソフトウェア市場は、今後数年間で拡大すると思われます。
市場抑制要因
不十分なセキュリティ基準
以前は、オンライン認証と暗証番号の統合により、ATMは安全であると思われていたため、詐欺の可能性はかなり低かったのです。しかし、フィンテック分野の技術革新が進むにつれ、詐欺師が磁気ストライプスキミングやピンホールカメラのような新しい詐欺を開発し、市場拡大を抑制しています。しかし、金融機関やATM事業者は、金融取引を行う際の利便性と安全性を顧客に提供するために、ATMにおけるEMV移行の要件に集中しています。また、画面上に機密情報が表示されるため、利用者が気づかないうちに盗撮される可能性があります。このようなセキュリティの問題は、ATMの使用を制限する人々の大きな懸念であり、そのためATMソフトウェア市場は阻害されることになります。
コンポーネントの展望
ATMソフトウェア市場は、コンポーネントに基づき、ソフトウェアとサービスに区分されます。2021年には、ソフトウェア(サービスなし)セグメントが最大の収益シェアを獲得し、ATMソフトウェア市場を独占しました。これは、すべての金融セクターでセルフサービス型ATMソフトウェアの需要が高まっていることと、エンドユーザーの間でセルフサービス型ATMソフトウェアの需要が高まっていることに起因している可能性があります。
エンドユーザーの展望
エンドユーザー別に見ると、ATMソフトウェア市場は、銀行や金融機関、独立系ATMデベロッパーに細分化されます。2021年、独立系ATMデプロイヤーセグメントは、ATMソフトウェア市場でかなりの収益シェアをカバーしました。これは、銀行や金融業界におけるATMソフトウェア技術の需要や利用が高まっていることが理由です。IAD(統合アクセス機器)により、顧客はVoIP対応機器を新たに購入することなく、古いTDM音声機器を引き続き使用することができます。
機能別展望
ATMソフトウェア市場は、機能別に、紙幣決済、カード決済、現金入金、キャッシュディスペンサーに分けられます。2021年は、キャッシュディスペンサー分野が最大の売上シェアを占め、ATMソフトウェア市場を牽引しました。予測期間を通じて、キャッシュディスペンサー部門は市場のリーダーシップを維持すると予想されます。これは、ATMの主な機能がキャッシュディスペンサーであることを考えると理解できます。
地域別概況
ATMソフトウェア市場は、地域別に、北米、アジア太平洋、欧州、LAMEAで分析されています。2021年、北米地域はATMソフトウェア市場で最も高い収益シェアを示しました。同地域の市場成長に影響を与える主な要因としては、大手市場ベンダーの存在や先進技術の高い採用が挙げられます。同地域の需要は、政府の支援やイニシアティブ、カナダなどの国の銀行セクターにおける資金調達の増加により、さらに拡大しています。
List of Figures
The Global ATM Software Market size is expected to reach $6.1 billion by 2028, rising at a market growth of 4.4% CAGR during the forecast period.
The design of an ATM (Automated Teller Machine) combines hardware and software. The hardware of the device is primarily intended for cash deposits, withdrawals, credit card payments, and reporting account information. The ATM's software is made to regulate channels and transactions on centralised databases. Concern over the ATM software stack has grown since the machines were converted to industry standards.
Banks and other financial institutions can manage their ATM networks using ATM software to improve functionality, boost competition, and cut costs. Targeted marketing, cash dispensing & recycling, and advanced banking services like transaction preferences are all aided by it. It makes it possible to significantly cut the cost of implementing, testing, certifying, and maintaining ATM hardware and software upgrades. Through the use of a single software platform, it also offers quicker maintenance and updates, as well as a consistent user interface.
One of the key factors fueling the expansion of the ATM software market is the growing awareness of the advantages of ATM software. The emergence of new technologies like touch screens, cashless transactions, and QR codes, as well as an increase in demand for self-service ATM software across a variety of financial sectors.
The rising demand for contemporary ATM software and hardware and the high adoption of the technology due to the increased use of advanced analytics for preventative maintenance in multivendor ATM support services is rising the need for ATM software.
COVID-19 Impact Analysis
The ATM software market suffered as a result of the COVID-19 pandemic. In 2020, the pandemic compelled governments of several nations to lock down international borders and temporarily close markets, businesses, and other public areas. The various regions that were in lockdown experienced a loss of revenue and business as a result of the closure of manufacturing facilities. A significant decline in demand and sales of ATM software and services resulted from the disruption of supply chains, which had an adverse effect on the sales, manufacturing, and delivery schedules.
Market Growth Factor
The Use of Artificial Intelligence (Ai) Becoming an Emerging Trend
Machine learning is being incorporated into ATM technology in addition to more conventional features like cash dispensing and payment processing to increase efficiency and security. The level of mechanics, machine operation, sensor working patterns, and other discrete information that show how well a system works, streamlines service operations, and predicts problems and machine behavior are also tracked back with the aid of ATM software. AI offers a completely new perspective as well as a wide range of new technologies to ATM system developers, enabling them to create ATM systems with the potential to solve some of the most difficult issues facing the sector.
Demand for Automated Teller Machines Is Growing
The demand for ATMs is increased by the independent feature of the 24-7 availability of transactional services offered by banks across numerous locations. With technological advancements in the banking and financial sectors, ATMs are evolving from straightforward cash dispensers into richer and more personalized communication channels. By implementing more integrated and value-added services, has aided in achieving customer loyalty. Therefore, enhanced use of automated teller machines is likely to generate sizable amounts of revenue in the coming years. Owing to this, the ATM software market would expand in the upcoming years.
Market Restraining Factor
Insufficient Security Standards
Previously, there was a much lower chance of fraud because online authorization combined with PIN integration made ATMs seem secure. With increased innovation in the fintech sector, con artists have developed new scams like magnetic stripe skimming and pinhole cameras, which restrain market expansion. However, financial institutions and ATM operators are concentrating on requirements for EMV migration at ATM in order to provide customers with convenience and security while handling financial transactions. As sensitive information appears on the screen, individuals may attempt to spy on users without the user's knowledge. These security issues are the major concern of the people restraining the use of ATMs due to which the ATM software market would be hampered.
Component Outlook
Based on component, the ATM software market is segmented into software, and services. In 2021, the software (without services) segment dominated the ATM software market by generating maximum revenue share. This can be attributed to the rise in demand for self-service ATM software across all financial sectors as well as the growing demand for self-service ATM software among end users.
End User Outlook
On the basis of end-user, the ATM software market is fragmented into banks and financial institutions, and independent ATM deployer. In 2021, the independent ATM deployer segment covered a substantial revenue share in the ATM software market. This is explained by the rising demand for and usage of ATM software technology in the banking and financial industries. Customers can keep utilizing their old TDM voice equipment without having to buy new Voice over Internet Protocol compatible equipment due to an Integrated Access Device (or IAD).
Function Outlook
By function, the ATM software market is divided into bill payment, card payment, cash deposit and cash dispenser. In 2021, the cash dispenser segment led the ATM software market with the largest revenue share. Throughout the forecast period, the cash dispenser segment is anticipated to maintain its market leadership. This is understandable given that ATMs' primary feature is their cash dispenser.
Regional Outlook
Region wise, the ATM software market is analyzed across the North America, Asia Pacific, Europe, and LAMEA. In 2021, the North America region witnessed the highest revenue share in the ATM software market. The main factors influencing the market growth in the region include the presence of major market vendors and the high adoption of advanced technologies. The region's demand is further growing due to government support and initiatives as well as increased funding in the banking sector of nations such as Canada.
The market research report covers the analysis of key stake holders of the market. Key companies profiled in the report include Fiserv, Inc., GRGBanking Equipment Co., Ltd., SBS Software Ges.mbH., Paragon Application Systems, Inc., Fidelity National Information Services, Inc., KAL ATM Software GmbH, Vortex Engineering Pvt. Ltd. and CR2
Strategies deployed in ATM Software Market
Aug-2022: Fiserv partnered with Rutgers University-Newark. This partnership aimed at creating and funding a new program designed to drive diversity and innovation within the financial technology field. This partnership would add a new dimension to the ability to bring together a diverse range of perspectives as Fiserv develops new answers to the challenges faced by its clients and the financial services industry.
Jul-2021: KAL came into a partnership with EVO Payments, a leading global payments technology, and services provider. This partnership brings together proven technologies that guarantee ATM deployers an unprecedented level of flexibility & efficiency when responding to local market demand.
Dec-2019: GRGBanking signed an agreement with FPT IS, a pioneer in digital transformation in the banking and financial sector. Under this agreement GRGBanking would provide FPT IS with the opportunity to develop solutions and many latest technology product lines, new interfaces for banks like VTM (Virtual Teller Machine) and STM (Smart Teller Machine) and also helps FPT IS have more potential to participate in digital transformations projects offered for banks.
Sep-2019: CR2 entered into a partnership with Network International, the leading enabler of digital commerce across Africa and the Middle East. This partnership would deliver mobile banking as a Managed Hosted Service, allowing banks to rapidly deploy & cost-effectively manage their mobile banking services.
Sep-2019: Fiserv Interactive Branch Kiosk, a souped-up ATM. It can perform cash & check transactions in addition to credit card applications, loans, and other advanced transactions that typically could only be done at the teller line. The machine further integrates with the company's Verifast palm vein identification solution to provide the ease and security of biometric authentication.
Apr-2019: CR2 partnered ERA-InfoTech, a pioneer in the automation of financial inclusion and software development. This partnership focused on providing a range of sophisticated ATM banking software services to banks in the region.
Jan-2019: Fiserv announced a merger with First Data Corporation, a financial services company. This merger would offer comprehensive distribution channels and have expertise in partnering with merchants, financial institutions, billers of all sizes, and software developers.
Market Segments covered in the Report:
By Component
By End User
By Function
By Geography
Companies Profiled
Unique Offerings from KBV Research