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表紙：生体認証決済市場 - 市場分析と技術分析、導入戦略および予測（2025年～2030年）
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生体認証決済市場 - 市場分析と技術分析、導入戦略および予測（2025年～2030年）

Biometric Payments - Market & Technology Analysis, Adoption Strategies and Forecasts 2025-2030

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英文 301 Pages
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生体認証決済市場 - 市場分析と技術分析、導入戦略および予測（2025年～2030年）
出版日: 2025年01月06日
発行: Goode Intelligence
ページ情報: 英文 301 Pages
納期: お問合せ
GIIご利用のメリット
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  • 概要
  • 目次
概要

2030年までに35億人が安全な決済のために生体認証技術の恩恵を受けると予測されています。

当レポートでは、生体認証決済市場について調査し、オンボーディングから決済処理、不正検知・防止に至るまで、決済プロセスの主要な部分に生体認証がどのように組み込まれているかを調査しています。また、主要促進要因や抑制要因を含む市場分析、主要利害関係者へのインタビュー、主要な生体認証技術のレビューを含む技術分析、決済用生体認証システムを提供する企業のプロファイルなど、現在の世界の導入状況を詳細に解説しています。また、2025年から2030年までの6年間におけるユーザー、生体認証モダリティ、デバイス、トランザクション、収益に関する地域別および世界の市場予測も掲載しています。

目次

序論

エグゼクティブサマリー

市場と技術の分析

  • イントロダクション
  • 生体認証は支払いにどのように使用されるか
    • イントロダクション
    • 主な動向
    • 生体認証決済モデル
      • 分散型生体認証決済モデル
      • 集中型- クラウドベース- 生体認証決済モデル
  • 市場の促進要因と抑制要因

金融サービスと決済の生体認証規制と技術標準

  • イントロダクション
  • 規制
    • データ保護規制
      • 欧州連合（EU）一般データ保護規則（GDPR）
      • 米国データ保護規則
      • アジア太平洋データ保護規則
      • 南米データ保護規制
    • 欧州連合決済サービス指令（PSD2）
    • 欧州連合決済サービス指令（PSD3）
    • マネーロンダリング防止（AML）および顧客確認（KYC）規制
    • 業界規制/ガイドライン
    • 中国決済協会

技術標準

  • イントロダクション
  • ISO
  • ANSI
  • 英国CESG
  • 米国NIST
  • FIDOアライアンス

技術と市場の採用

  • 市場の採用と分析
    • イントロダクション
    • 決済オンボーディングのための生体認証- 本人確認
      • イントロダクション
      • 採択
      • デジタルオンボーディング- サプライヤー
    • 生体認証決済取引
      • 決済チャネル
    • デジタル（電子商取引）生体認証決済
      • デジタルウォレット
      • モバイルOEM決済ウォレット
      • 決済カード

生体認証による決済

  • 小売
  • POSインテグレーション
  • 支払い詐欺管理のための生体認証

生体認証技術- 分析、予測、ベンダー

  • イントロダクション
  • 行動バイオメトリクス
    • イントロダクション
    • 予測
    • 行動バイオメトリクスのメリットとデメリット

顔

  • イントロダクション
  • 予測
  • 顔認証技術ベンダーおよびサービスプロバイダー
  • 顔認証のメリットとデメリット

指紋

  • イントロダクション
  • 予測
  • 技術ベンダーとサービスプロバイダー- 指紋センサーメーカーと認証インテグレーター
  • 指紋生体認証（センサー）のメリットとデメリット

声

  • イントロダクション
  • 予測
  • プロバイダー
  • 音声生体認証のメリットとデメリット

指静脈

  • イントロダクション
  • 予測
  • 技術ベンダーとサービスプロバイダー
  • 指静脈認証のメリットとデメリット

手のひら静脈

  • イントロダクション
  • 予測
  • 技術ベンダーとサービスプロバイダー
  • 手のひら静脈認証のメリットとデメリット

掌紋

  • イントロダクション
  • 予測
  • 掌紋生体認証のメリットとデメリット

予測

  • 調査手法と前提
  • 生体認証決済の予測
  • 生体認証決済のユーザー予測- デジタルオンボーディング
  • 生体認証決済のユーザー予測- 決済取引
  • 生体認証決済の予測- 生体認証モダリティ別
  • 生体認証決済の予測- デバイス別
  • 生体認証決済の取引
  • 生体認証決済の収益予測
目次

Goode Intelligence forecasts that that 3.5 billion people will be benefiting from biometric technology to secure payments by 2030.

The 301 page report is the most comprehensive analysis of biometric payments investigating how biometrics is being integrated into all major parts of the payment process from onboarding, payment transacting, and fraud detection and prevention.

The report details current global adoption with market analysis including key drivers and barriers, interviews with leading stakeholders, technology analysis with review of key biometric technologies and profiles of companies supplying biometric systems for payments. It includes regional and global market forecasts for users, biometric modalities, devices, transactions and revenue for the six-year period from 2025 to 2030.

Coverage

This is the fourth edition of the Goode Intelligence Biometrics for Payments report, first published in 2015 and refreshed in 2018, 2021, and now for 2025.

The reports covers:

  • Investigation of important regulations and technology standards
  • Analysis of where biometrics is being adopted in the payment process, from digital onboarding, payment transactions, and fraud detection / prevention
  • Review of current global adoption
  • Market analysis, including key drivers and barriers for adoption across a wide range of payment scenarios
  • Technology analysis - what modalities are being adopted, where and why
  • Analysis of important technology vendors and services providers operating in this sector, including exclusive interviews and vendor profiles
  • Forecasts for users, biometric modalities, devices, transactions and revenue for the six-year period 2025 to 2030

The 301 page report is the most detailed and comprehensive guide to the market for biometrics for payments published to date exploring the adoption of biometric technology for payments across all major payment channels - from traditional to emerging - delivered by the world's leading biometrics analyst company with a track record of detailed analysis and accurate forecasts.

Key findings from the report include:

  • A movement away from device-based to server-based biometric technology to support higher value payment transactions in the mobile channel.
  • Increasing use of face biometrics and face liveness detection solutions to support identity verification and to prevent increasing levels of AI-driven fraud, including deepfakes.
  • Strengthening adoption for Tokenless (naked) biometric payments leveraging integrated biometric sensors at the physical point of sale (POS).
  • Rising levels of adoption for biometric technology in risk-based authentication and fraud management platforms to detect and prevent fraud.
  • The emergence of age assurance as an important part of the payment process, meeting government age related regulation including the UK's Online Safety Act (OSA).
  • Biometric Payment Cards evolving into a premium card product that can meet accessibility requirements.
  • Hybrid scenarios where a Biometric Digital ID offers payment as one of its applications/use cases in combination with:
    • Permission to travel (Fast lane border control)
    • Ticketing
    • Loyalty programs
  • Automotive
    • In-cabin payments
    • Support ride-share and autonomous

Alan Goode, founder and CEO of Goode Intelligence and author of the report, said "The pay by me revolution is well underway. Customers want choice for payments. They also want the assurance that payments are secure and safe. The payment experience also must be convenient with as little friction as possible. The average online cart abandonment rate currently stands at 70 percent, with 31 percent abandoned due to friction - often led by frustration of identity and authentication processes."

"Biometrics for payments is increasingly a vital part of a payment service providers' toolkit in the never-ending task of reducing financial fraud and ensuring that their customers can conveniently prove their identity and authorise transactions when paying for trillions of dollars' worth goods and services in a variety of payment channels. Supporting customers for the entire payment journey in both physical and digital scenarios from onboarding (identity verification) to authentication, transaction authorisation and fraud detection / prevention."

Biometric modalities covered include behavioral, face, fingerprint, finger-vein, palm-vein, palmprint, and voice. The report investigates adoption of biometric software and hardware.

The report forecasts that:

  • There will be over 3.5 billion biometric payment users by 2030.
  • Total revenue for biometric suppliers from payments will surpass $11.3 billion by 2030.

The report includes exclusive interviews with important stakeholders from the following companies:

  • Daon
  • iProov
  • Nuggets
  • IDEX Biometrics
  • Next Biometrics
  • Tapeeze
  • Thales

The following companies are referenced in the report:

Apple, ANSI, Ariadnext, Aadhaar, Apple Pay, Alipay, AU10TIX, American Express, Amazon Pay, Amazon One, Amadeus, Alibaba, Airport Authority of Hong Kong, Aramark, Allied Irish Bank (AIB), Bank of Korea, BehavioSec, Blik, BNP Paribas, Bank of China Hong King (BOCHK), Banco Bradesco, BioCatch, China Union Pay, Carte Bancaire, Cubic Transportation Systems, Clear, CDF-Lagardere, Crypto.com, CaxiaBank, Cerence, Cognitec, Daon, Diners Club, Danske Bank, Dermalog, Diebold, EMVco, Entrust, Eastern Bank PLC (EBL), Facebook (Meta), FIDO Alliance, Fujitsu, FacePhi, Feedzai, Face++, FaceTec, Fingerprint Cards, GBG, Google, Google Pay, G+D, Garanti BBVA, Gilbarco Veeder-Root, General Motors, Hong Kong International Airport (HKIA), HID Global, Honda, Hitachi, IDEMIA, IBM, ISO, iProov, IDnow, Idology, ID.me, IDPal, Incode, iDeal, IN Groupe, IDEX Biometrics, Itau Bank, Iris ID, IPS Group, ID R&D, Innovatrics, Jumio, Japan Credit Bureau (JCB), J.P. Morgan, Klarna, LexisNexis Risk Solutions, Lumidigm, LumenVox, Microsoft, Mitek, Mox, Microblink, Mastercard, MODO, Mobikwik, Mercedes Benz, Megvii, M2SYS, Nuggets, NIST, Nok Nok Labs, NTT DoCoMo, NCR, NEC, Nuance, Next Biometrics, NICE, Onfido, OCR Labs, OCBC, Payments and Clearing Association of China, Persona, PayPal, Paytm, PhonePe, PopID, PayEye, Parkopedia, Paravision, Phonexia, Precise Biometrics, Qualcomm, Reserve Bank of India, Redrock Biometrics, Revelock, State Bank of Vietnam, Standard Chartered Bank, Samsung, Samsung Pay, Synaptics, Silone CardTechThales, Trulioo, Toppan Forms Card, Tapeeze, TECH5, Thames Technology, TypigDNA, Tencent, UK CESG, Veriff, Visa, Veridas, Worldpay, WeChat Pay, Yoti, and Zwipe.

Table of Contents

Forward

  • Goode Intelligence
  • Author
  • Goode Intelligence Methodology
  • Regional Definitions

Executive Summary

  • ES1. Report Scope
  • ES2. How are Biometrics used For Payments
  • ES3. Forecasts
    • ES3.1. Methodology and Assumptions
    • ES3.2. Biometric Payments Forecasts
      • ES3.2.1. Introduction
      • ES3.2.2. Biometric Payments User Forecasts - By Payment Process
      • ES3.2.3. Biometric Payments Forecasts - By Biometric Modality
      • ES3.2.4. Biometric Payments Forecasts - By Device
      • ES3.2.4. Biometric Payments Forecasts - By Transactions
      • ES3.2.5. Biometric Payments Revenue Forecasts
  • ES4. Summary

Market and Technology Analysis

  • Introduction
  • How is Biometrics used For Payments?
    • Introduction
    • Major Trends
    • Biometric Payment Models
      • Decentralized Biometric Payment Model
      • Centralized - Cloud-Based - Biometric Payment Model
  • Market Driver s and Barriers
    • Market Drivers
    • Market Barriers

Financial Services and Payments Biometric Regulation and Technology Standards

  • Introduction
  • Regulation
    • Data Protection Regulation
      • European Union (EU) General Data Protection Regulation (GDPR)
      • USA Data protection Regulation
        • California
        • Illinois
        • New York
        • Texas
        • Washington
      • Asia-Pacific Data protection Regulation
        • Australia
        • Singapore
      • South America Data protection Regulation
        • Brazil
    • European Union Payment Services Directive (PSD2)
    • European Union Payment Services Directive (PSD3)
    • Anti-Money Laundering (AML) and Know Your Customer (KYC) Regulation
    • Industry Regulation / Guidelines
      • PCI-DSS
      • USA FFIEC
      • EMV
        • EMV 3D Secure
      • Bank of Korea
      • State Bank of Vietnam
    • The Payments and Clearing Association of China

Technology Standards

  • Introduction
  • ISO
  • ANSI
  • UK CESG
  • USA NIST
  • The FIDO Alliance

Technology and Market Adoption

  • Market Adoption and Analysis
    • Introduction
    • Biometrics for Payment Onboarding - Identity Verification
      • Introduction
      • Adoption
        • China - Hong Kong
        • Biometric Payment Onboarding - Forecasts
      • Digital Onboarding - Suppliers
        • Insight - Interview with Nuggets
    • Biometric Payment Transactions
      • Payment Channels
    • Digital (eCommerce) Biometric Payments
      • Digital Wallets
      • Mobile OEM Payment Wallets
        • Apple Pay
        • Google Pay
        • Samsung Pay
        • Alternative Payment Providers of Digital Wallets
        • Payment Card Scheme Digital Wallets
        • Bank Payment Wallets
      • Payment Cards

Physical Biometric Payments

  • Retail
    • Mobile Payments - Digital Wallets
    • Biometric Payment Cards
    • How does the technology work
    • Advantages of Biometric Payment Cards
    • Biometric Payment Card Ecosystem
    • Biometric Payment Card Commercial Rollouts
    • Biometric Payment Cards - Insights
    • Biometric Payment Cards - Forecasts
  • POS Integration
    • Introduction
    • POS Integrated Biometric Payments - Market Adoption/Analysis
      • Dermalog - FingerPayment
      • Clear - Biometric Payment at USA Footbal Stadia
      • PayEye - Iris-based Payments in Poland and Worldwide
      • Aadhaar Pay
      • Alipay "Smile to Pay"
      • WeChat Pay - Pay by Palm
      • Amazon One - Palm Biometric Payments
      • J.P. Morgan
    • Forecasts
    • Biometric ATMs (Cash Payments)
    • Introduction
    • Cash
      • Biometric Technology Integrated into ATM
    • Other
      • Automative - In-Car Payments
    • Forecasts
      • Airports
      • Sports and Entertainment Venues
  • Biometrics For Payment Fraud Management
    • Introduction
    • Biometrics For Payment Fraud - Adoption
      • Protecting Payment Transactions for Users on the Go using LexisNexis Risk Solution BehavioSec Behavioral Biometrics Platfrom
      • Ireland - AIB Partners with Daon for Selfie Payment Check
    • Forecasts

Biometric Technology - Analysis, Forecasts & Vendors

  • Introduction
  • Behavioral Biometrics
    • Introduction
    • Forecasts
      • Biometric Payment User Forecasts - Behavioral
      • Biometric Payment Revenue Forecasts - Behavioral
      • LexisNexis Risk Solutions BehavioSec
      • BioCatch
      • Feedzai
      • TypingDNA
    • Advantages and Disadvantages of Behavioral Biometrics

Face

  • Introduction
  • Forecasts
    • Biometric Payment User Forecasts - Face
    • Biometric Payment Revenue Forecasts - Face
  • Face Biometric Technology Vendors and Service Providers
    • Cognitec
    • Daon
      • Goode Intelligence Interview with Daon
    • FaceTec
    • FacePhi
    • Face++
    • IDEMIA
    • ID R&D
    • IProov
      • Goode Intelligence Interview with iProov
    • Paravision
    • Thales
  • Advantages and Disadvantages of Face Biometrics

Fingerprint

  • Introduction
  • Forecasts
    • Biometric Payment User Forecasts - Fingerprint
    • Biometric Payment Revenue Forecasts - Fingerprint
  • Technology Vendors and Service Providers -Fingerprint Sensor Manufacturers and Authentication Integrators
    • Dermalog
    • Fingerprint Cards
    • IDEX Biometrics
      • Goode Intelligence Interview with IDEX Biometrics
    • Limidigm - HID Global
    • NEXT Biometrics
      • Goode Intelligence Interview with NEXT Biometrics
    • Precise Biometrics
    • Qualcomm
    • Zwipe
  • Advantages and Disadvantages of Fingerprint Biometrics (Sensors)

Voice

  • Introduction
  • Forecasts
    • Biometric Payment User Forecasts - Voice
    • Biometric Payment Revenue Forecasts - Voice
  • Providers
    • Nice
    • Nuance
    • Lumenvox
    • Phonexia
  • Advantages and Disadvantages of Voice Biometrics

Finger Vein

  • Introduction
  • Forecasts
    • Biometric Payment Forecasts - Finger-Vein Sensor Shipments
    • Biometric Payment Revenue Forecasts - Finger-Vein
  • Technology Vendors and Service Providers
    • Hitachi
  • Advantages and Disadvantages of Finger-Vein Biometrics

Palm-Vein

  • Introduction
  • Forecasts
    • Biometric Payment Forecasts - By Modality: Palm-Vein Sensor Shipments
    • Biometric Payment Revenue Forecasts - By Biometric Modalitry: Palm-Vein
  • Technology Vendors and Service Providers
    • Amazon One
    • Fujitsu
  • Advantages and Disadvantages of Palm-Vein Biometrics

Palmprint

  • Introduction
  • Forecasts
    • Biometric Payment Forecasts - By Modality: Palmprint
    • Biometric Payment Revenue Forecasts - By Biometric Modality: Palmprint
    • Redrock Biometrics
  • Advantages and Disadvantages of Palmprint Biometrics

Forecasts

  • Methodology and Assumptions
  • Biometric Payments Forecasts
    • Introduction
    • Biometric Payments User Forecasts - By Payment Process
      • Biometric Payments User Forecasts - Digital Onboarding
      • Biometric Payments User Forecasts - Payment Transactions
        • Biometric Payments User Forecasts - Digital Transaction Users
        • Biometric Payments User Forecasts - Physical Transaction Users
          • Biometric Payment User Forecasts - Mobile Wallet Users at the Point-Of-Sale
          • Biometric Payment User Forecasts - Biometric Payment Card Users
          • Biometric Payment User Forecasts - Integrated POS Users
          • Biometric Payment User Forecasts - Total Physical Users
        • Biometric Payments User Forecasts - Biometric Fraud Management
        • Biometric Payments User Forecasts - Total (Combined) Users
      • Biometric Payments Forecasts - By Biometric Modality
        • Biometric Payments Forecasts - by Modality: Fingerprint
        • Biometric Payments Forecasts - by Modality: Voice
        • Biometric Payment Forecasts - by Modality: Face
        • Biometric Payments Forecasts - by Modality: Behavioral
        • Biometric Payments Forecasts - by Modality: Finger-Vein sensor Shipments
        • Biometric Payments Forecasts - by Modality: Palm-Vein sensor Shipments
        • Biometric Payments Forecasts - by Modality: Palmprint
      • Biometric Payments Forecasts - By Device
        • Biometric Payments Forecasts - by Device: POS Terminals
        • Biometric Payments Forecasts - by Device: Automotive
      • Biometric Payment Transactions
        • Biometric Payment Digital Onboarding Transactions
        • Biometric Payment Physical Transactions: By Integrated POS
        • Biometric Payment Physical Transactions: By Automotive
        • Biometric Payment Fraud Management Transactions
        • Total Biometric Payment Transactions
      • Biometric Payments Revenue Forecasts
        • Assumptions on revenue forecasts
        • Biometric Payments Revenue Forecasts - by Payment Process: Biometric Digital Onboarding (IDV)
        • Biometric Payments Revenue Forecasts - by Payment Process: Biometric Digital Transactions
        • Biometric Payments Revenue Forecasts - by Payment Process: Biometric Fraud Management
        • Biometric Payments Revenue Forecasts - by Biometric Modality: Fingerprint
        • Biometric Payments Revenue Forecasts - by Biometric Modality: Voice
        • Biometric Payments Revenue Forecasts - by Biometric Modality: Behavioral
        • Biometric Payments Revenue Forecasts - by Biometric Modality: Finger-Vein
        • Biometric Payments Revenue Forecasts - by Biometric Modality: Palm-Vein
        • Biometric Payments Revenue Forecasts - by Biometric Modality: Palmprint
        • Biometric Payments Revenue Forecasts - by Biometric Modality: Face
        • Biometric Payments Revenue Forecasts - By Device: Biometric Payments Cards
        • Biometric Payments Revenue Forecasts - By Device: Integrated POS Terminals
        • Biometric Payments Revenue Forecasts - by Device: Automotive
        • Biometric Payments Revenue Forecasts - Total (Combined) Revenue