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表紙:モバイル決済認証:バイオメトリクス、規制、市場予測(2021年-2025年)
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モバイル決済認証:バイオメトリクス、規制、市場予測(2021年-2025年)

Mobile Payment Authentication: Biometrics, Regulation & Market Forecasts 2021-2025

出版日: | 発行: Juniper Research Ltd | ページ情報: 英文 | 納期: 即日から翌営業日

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モバイル決済認証:バイオメトリクス、規制、市場予測(2021年-2025年)
出版日: 2021年04月19日
発行: Juniper Research Ltd
ページ情報: 英文
納期: 即日から翌営業日
  • 全表示
  • 概要
  • 目次
概要

当レポートは、世界のモバイル決済認証について調査しており、機会と課題、市場規模や予測、最近のさまざまな法律や業界標準による影響、決済セキュリティ市場で現在使用されているさまざまなタイプの認証の徹底的な分析、認証ベンダーの分析などの情報を提供しています。

目次

第1章 モバイル決済のセキュリティ:脅威の情勢

  • イントロダクション
    • 定義と調査範囲
  • エコシステムの概要
    • オープンバンキング:新しいエコシステムコンポーネント
  • モバイル詐欺の動向
    • ソーシャルメディア
    • 不正または無許可のアプリ
    • データ公開
    • オンデマンドサービスプラットフォームおよびその他の支払いアプリ詐欺
    • モバイル認証/支払いアプリを乗っ取るための偽の登録
    • 合成アイデンティティとディープフェイク-検証と承認詐欺の未来
      • ディープフェイクを使用して強化された合成アイデンティティ
      • 盗まれた生体認証情報の使用

第2章 モバイル決済認証:市場情勢

  • イントロダクション
  • 将来のバイオメトリクス開発
    • その他の地域動バイオメトリクスへの移行
    • デフォルトでの顔認識
    • 音声認証と包含
    • バイオメトリクスの使用事例への適合
  • 規制、基準、COVID-19因子の影響
    • COVID-19およびPSD2
    • 3Dセキュア2.2
    • FIDO2およびWebAuthn
  • 認証の課題
    • 利便性とセキュリティ
    • バイオメトリクスと消費者の信頼
    • IoT認証
    • mPOS以降の複数のプラットフォームとアプリ内保護
      • ケーススタディ:ThalesEMVトークン化とThalesTrusted Services Hub

第3章 モバイル決済認証:競合情勢

  • イントロダクション
  • ベンダー分析とJuniper Researchリーダーボード
    • ベンダー評価基準
    • ベンダーのグループ化
      • 概要
      • 確立されたリーダー
      • 主要チャレンジャー
      • ディスラプターとチャレンジャー
    • 制限と解釈
  • モバイル決済認証ムーバー&シェーカー
  • ベンダープロファイル
    • Fingerprints
      • 企業
      • 地理的拡大
      • 主要クライアントと戦略的パートナーシップ
      • 提供の概要
      • Juniper Researchの見解:主な強みと戦略的開発の機会
    • BioCatch
      • 企業
      • 地理的拡大
      • 主要クライアントと戦略的パートナーシップ
      • 提供の概要
      • Juniper Researchの見解:主な強みと戦略的開発の機会
    • Daon
      • 企業
      • 地理的拡大
      • 主要クライアントと戦略的パートナーシップ
      • 提供の概要
      • Juniper Researchの見解:主な強みと戦略的開発の機会
    • Duo
      • 企業
      • 地理的拡大
      • 主要クライアントと戦略的パートナーシップ
      • 提供の概要
      • Juniper Researchの見解:主な強みと戦略的開発の機会
    • Fujitsu
      • 企業
      • 地理的拡大
      • 主要クライアントと戦略的パートナーシップ
      • 提供の概要
      • Juniper Researchの見解:主な強みと戦略的開発の機会
    • Giesecke+Devrient
      • 企業
      • 地理的拡大
      • 主要クライアントと戦略的パートナーシップ
      • 提供の概要
      • Juniper Researchの見解:主な強みと戦略的開発の機会
    • HYPR
      • 企業
      • 地理的拡大
      • 主要クライアントと戦略的パートナーシップ
      • 提供の概要
      • Juniper Researchの見解:主な強みと戦略的開発の機会
    • IDEMIA
      • 企業
      • 地理的拡大
      • 主要クライアントと戦略的パートナーシップ
      • 提供の概要
      • Juniper Researchの見解:主な強みと戦略的開発の機会
    • ImageWare
      • 企業
      • 地理的拡大
      • 主要クライアントと戦略的パートナーシップ
      • 提供の概要
      • Juniper Researchの見解:主な強みと戦略的開発の機会
    • iProov
      • 企業
      • 地理的拡大
      • 主要クライアントと戦略的パートナーシップ
      • 提供の概要
      • Juniper Researchの見解:主な強みと戦略的開発の機会
    • Nuance
      • 企業
      • 地理的拡大
      • 主要クライアントと戦略的パートナーシップ
      • 提供の概要
      • Juniper Researchの見解:主な強みと戦略的開発の機会
    • Okta
      • 企業
      • 地理的拡大
      • 主要クライアントと戦略的パートナーシップ
      • 提供の概要
      • Juniper Researchの見解:主な強みと戦略的開発の機会
    • RSA
      • 企業
      • 地理的拡大
      • 主要クライアントと戦略的パートナーシップ
      • 提供の概要
      • Juniper Researchの見解:主な強みと戦略的開発の機会
    • Stripe
      • 企業
      • 地理的拡大
      • 主要クライアントと戦略的パートナーシップ
      • 提供の概要
      • Juniper Researchの見解:主な強みと戦略的開発の機会
    • タレス
      • 企業
      • 地理的拡大
      • 主要クライアントと戦略的パートナーシップ
      • 提供の概要
      • Juniper Researchの見解:主な強みと戦略的開発の機会

第4章 モバイル決済認証:市場予測

  • 生体認証-イントロダクション
  • 調査手法と前提条件
  • 生体認証の可用性
  • 生体認証非接触型決済
    • 非接触生体認証の採用
    • 非接触型生体認証取引件数
  • 生体認証リモートペイメント
    • リモート生体認証の採用
    • リモート生体認証認証取引件数
目次

Juniper Research's new “Mobile Payment Authentication ” research report offers an in-depth assessment of the opportunities and challenges for the mobile payment authentication market. The report assesses the impact of a range of recent legislation and industry standards on the space, as well as providing a thorough analysis of the different types of authentication currently being used in the payment security market. It also analyses a range of authentication vendors via the Juniper Research Leaderboard.

The “Mobile Payment Authentication research” also provides industry benchmark forecasts for biometric authentication; supplying key metrics for both in-person and remote transactions, as well as splits by transaction type covering:

  • Facial Recognition
  • Fingerprints
  • Iris Scanning
  • Voice Biometrics

This research suite comprises:

  • Strategy & Forecasts (PDF)
  • 5-Year Deep Dive Data & Forecasting (PDF/IFxl)
  • 12 months' access to harvest online data platform

KEY FEATURES

  • Authentication Sector Dynamics: Analysis of key trends and primary challenges across the authentication space; highlighting the impact of:
    • Convenience Versus Security
    • Facial Recognition by Default
    • The Impact of COVID-19
    • The Move to Behavioural Biometrics
  • Interviews: Interviews with leading vendors, including:
    • G+D
    • Okta
    • Thales
    • Trustonic
  • Juniper Research Authentication Leaderboard: 15 key mobile payment authentication vendors positioned on the Juniper Research Leaderboard; accompanied by heatmap-based scoring and individual player analysis. Vendors covered include:
    • BioCatch
    • Daon
    • Duo
    • Fingerprints
    • Fujitsu
    • G+D
    • HYPR
    • IDEMIA
    • ImageWare
    • iProov
    • Nuance
    • Okta
    • RSA
    • Stripe
    • Thales
  • Benchmark Industry Forecasts: Forecasts sizing markets up to 2025 for biometric in person and remote payments, as well as biometric modalities, split by our 8 key regions and by the below 19 countries:
    • Australia
    • Brazil
    • Canada
    • China
    • Denmark
    • France
    • Germany
    • India
    • Japan
    • Mexico
    • Netherlands
    • Norway
    • Portugal
    • Saudi Arabia
    • South Korea
    • Spain
    • Sweden
    • UK
    • US

KEY QUESTIONS

  • 1. How is the use of biometrics in mobile payments changing?
  • 2. What forms of biometrics will be dominant in the future of the market?
  • 3. Which markets will have the strongest adoption of mobile security practices, and why?
  • 4. What impact will new regulatory requirements and standards have on payment authentication practices?
  • 5. Who are the leading players in mobile authentication, and what are their strategies?

COMPANIES REFERENCED

  • Interviewed: G+D, Okta, Thales, Trustonic.
  • Case Studied: Starbucks, Thales.
  • Included in Juniper Research Leaderboard: BioCatch, Daon, Duo, Fingerprints, Fujitsu, G+D, HYPR, IDEMIA, ImageWare, iProov, Nuance, Okta, RSA, Stripe, Thales.
  • Mentioned: Accuant, Advent International, AimBrain, Airbnb, AliPay, American Airlines, American Express, Amtrak, Andreessen Horowitz, APAC, Apple, Avaya, Barclays, BCP (Banco de Crédito del Perú), BeyondTrust, BioSec, BlackBerry, Booking.com, BPI France, Bromium, BT, CA Single Sign-on, CapitalG, Cerner, Cisco, Cisco, Citi, Citrix, Cleveland Clinic, Comcast Ventures, Deliveroo, Dell, Delta, Department of Homeland Security Science & Technology Directorate, Deutsche Bank, Deutsche Telekom, DiData, DocuSign, EMC, Entrust Datacard, Epic, ETH Zurich, Europay, Experian, Facebook, FIDO, Financial Conduct Authority, Fitbit, ForgeRock, Garmin, General Catalyst, Genesys, German Postbank, Github, Google, Grab, GSMA, HPE, HSBC, Huawei, IBM, ImageWare, Index, Indie Hackers, ING Bank, Instagram, Kaspersky, Keycloak, Kickoff, Kickstarter, LG, Lloyds Banking Group, Lyft, Mastercard, Mayo Clinic, McKesson, Microsoft, Morpho, MoshiMoshi, Nasdaq, Netcetera, NEXT, NHS, NICE, Nok Nok Labs, Oberthur Technologies, OpenTable, Oracle, OT, Oxbury Bank, Paris School of Business, Payable, PayPal, Paystack, Ping Identity, Plaid, Pocket, Rackspace, Ravelin, Redrock Biometrics, RunKit, SafetyDetectives, SAIC Venture Capital, Salesforce, Samsung, Santander, SAP, Secure Identity Alliance, Sequoia Capital, Shopify, Siemens, Softonic, SurveyMonkey, Swatch, Symphony Technology Group, Tandem Bank, Teapot, Telefónica, Telegram, Telstra, The Guardian, Thrive Capital, Tiger Global Management, Tink, T-Mobile, TOTEMS, Touchtech Payments, Treatwell, Truelayer, TRUSTDOCK, TymeBank, Uber, UCL (University College London), Unicef, Uniswap, UPMC, Verint, Visa, Vocel, Vodafone, WhatsApp, Xero, Yubico, ZOLOZ.

DATA & INTERACTIVE FORECAST

Juniper Research's “Mobile Payment Authentication ” forecast suite includes:

  • Forecast splits for 8 key regions, as well as 19 country-level data splits for:
    • Australia
    • Brazil
    • Canada
    • China
    • Denmark
    • France
    • Germany
    • India
    • Japan
    • Mexico
    • Netherlands
    • Norway
    • Portugal
    • Saudi Arabia
    • South Korea
    • Spain
    • Sweden
    • UK
    • US
  • Mobile biometric authentication payment devices, usage and transaction values, split by:
    • Contactless In-store Payments
    • Remote Payments
  • Biometric adoption and payment usage forecasts split by modality:
    • Facial Recognition
    • Fingerprints
    • Iris Scanning
    • Voice Biometrics
  • Interactive Scenario Tool allowing users to manipulate Juniper Research's data for 7 different metrics.
  • Access to the full set of forecast data of 57 tables and more than 11,600 datapoints.

Juniper Research's highly granular IFxls (interactive Excels) enable clients to manipulate our forecast data and charts to test their own assumptions, by using the Interactive Scenario Tool, and compare select markets side by side in customised charts and tables. IFxls greatly increase the clients' ability to both understand a particular market and to integrate their own views into the model.

Table of Contents

1. Mobile Payment Security: Threat Landscape

  • 1.1 Introduction
    • 1.1.1 Definitions & Report Scope
  • 1.2 Ecosystem Outline
    • Figure 1.1: Possible Threat Channels
    • 1.2.1 Open Banking: A New Ecosystem Component
  • 1.3 Mobile Fraud Trends
    • 1.3.1 Social Media
      • Figure 1.2: Example of Social Media Fraud
    • 1.3.2 Rogue or Unauthorised Apps
    • 1.3.3 Data Exposure
      • Figure 1.3: Twitter, November 2020
      • Figure 1.4: Fake Update Notice for Electrum Wallet
    • 1.3.4 On-demand Services Platforms and Other Payment App Scams
    • 1.3.5 Fake Enrolment to Hijack Mobile Authentication/Payment Apps
    • 1.3.6 Synthetic Identity and Deepfakes - the Future of Verification and Authorisation Fraud?
      • i. Synthetic Identity Augmented Using Deepfakes.
      • ii. Use of Stolen Biometrics Information
        • Figure 1.5: Prices of Stolen Identities

2. Mobile Payment Authentication: Market Landscape

  • 2.1 Introduction
  • 2.2 Future Biometrics Development
    • 2.2.1 The Move to Behavioural Biometrics
    • 2.2.2 Facial Recognition by Default
    • 2.2.3 Voice Authentication and Inclusion
    • 2.2.4 Fitting the Biometric to the Use Case
  • 2.3 Impact of Regulation, Standards and the COVID-19 Factor
    • 2.3.1 COVID-19 and PSD2
    • 2.3.2 3D Secure 2.2
    • 2.3.3 FIDO2 & WebAuthn
  • 2.4 Authentication Challenges
    • 2.4.1 Convenience vs Security: The Legs of the Swan
    • 2.4.2 Biometrics and Consumer Trust
    • 2.4.3 IoT Authentication
    • 2.4.4 Multiple Platforms and In-app Protection on mPOS and Beyond
      • Case Study: Thales EMV Tokenisation and the Thales Trusted Services Hub

3. Mobile Payment Authentication: Competitive Landscape

  • 3.1 Introduction
  • 3.2 Vendor Analysis & Juniper Research Leaderboard
    • 3.2.1 Vendor Assessment Criteria
      • Figure 3.1: Mobile Payment Authentication Vendor Assessment Criteria
      • Figure 3.2: Juniper Research Payment Authentication Leaderboard Scoring Heatmap
      • Figure 3.3: Juniper Research Leaderboard for Payment Authentication
    • 3.2.2 Vendor Groupings
      • i. Summary
      • ii. Established Leaders
      • iii. Leading Challengers
      • iv. Disruptors & Challengers
    • 3.2.3 Limitations & Interpretation
  • 3.3 Mobile Payment Authentication Movers & Shakers
  • 3.4 Vendor Profiles
    • 3.4.1 Fingerprints
      • i. Corporate
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
        • Figure 3.4: Fingerprints Financial Snapshot, ($m converted from SEK M), 2018-2019 (FYE 31st March)
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.4.2 BioCatch
      • i. Corporate
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.4.3 Daon
      • i. Corporate
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
        • Figure 3.5: Typical Daon Component Architecture Showing Multi-channel Support
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.4.4 Duo
      • i. Corporate
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.4.5 Fujitsu
      • i. Corporate
        • Table 3.6: Fujitsu Financial Snapshot ($bn), 2018-2019 (FYE 31st March)
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.4.6 Giesecke+Devrient
      • i. Corporate
        • Table 3.7: G+D Financial Snapshot, (€m) 2018-2019 (FYE 31st December)
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.4.7 HYPR
      • i. Corporate
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
        • Figure 3.8: HYPR Passwordless Flow
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.4.8 IDEMIA
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.4.9 ImageWare
      • i. Corporate
        • Table 3.9: ImageWare Financial Performance ($m), FY 2018-2019
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.4.10 iProov
      • i. Corporate
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.4.11 Nuance
      • i. Corporate
        • Table 3.10: Nuance Financial Snapshot, ($m), 2016-2018 (FYE 30th September)
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.4.12 Okta
      • i. Corporate
        • Table 3.11: Okta Financial Snapshot ($m), FY 2018-2020, YE 31st January
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
        • Figure 3.12: Okta Contextual Access Management Contexts
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.4.13 RSA
      • i. Corporate
        • Table 3.13: RSA Security Financial Snapshot ($m), FY 2018-H1 2020 (YE February)
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
        • Figure 3.14: RSA Featured Partners
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.4.14 Stripe
      • i. Corporate
        • Table 3.15: Stripe Acquisitions
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.4.15 Thales
      • i. Corporate
        • Table 3.16: Gemalto by Thales DIS Financial Snapshot, (€m), 2018-2019 (31st December) - Digital Identity and Security Segment Only
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities

4. Mobile Payment Authentication: Market Forecasts

  • 4.1 Biometric Authentication - Introduction
  • 4.2 Methodology & Assumptions
    • Figure 4.1: Biometric Authentication Forecast Methodology
  • 4.3 Biometric Availability
    • Figure & Table 4.2: Total Smartphones Featuring Biometric Scanners, Installed Base (m), Split by 8 Key Regions, 2020-2025
    • 4.3.1 Available Biometric Authentication Modalities
      • i. Hardware Modalities
        • Figure & Table 4.3: Proportion of Biometric Smartphones Featuring Hardware-based Biometric Modality (%), Split by Category, 2020-2025
      • ii. Software Modalities
        • Figure & Table 4.4: Proportion of Smartphones Capable of Software-based Biometric Modality (%), Split by Category, 2020-2025
  • 4.4 Biometric Contactless Payments
    • 4.4.1 Contactless Biometric Authentication Adoption
      • Figure & Table 4.5: Total Number of Smartphones with Biometrics Used for Contactless Payments (m), Split by 8 Key Regions, 2020-2025
    • 4.4.2 Contactless Biometric Authentication Transaction Value
      • Figure & Table 4.6: Smartphones, Total Transaction Value, Biometrically Authenticated Contactless Transactions ($m), Split by 8 Key Regions, 2020-2025
  • 4.5 Biometric Remote Payments
    • 4.5.1 Remote Biometric Payment Authentication Adoption
      • Figure 4.7: Number of Smartphone Remote Payment Users Verifying Purchases via Biometrics (m), Split by 8 Key Regions, 2020-2025
    • 4.5.2 Remote Biometric Payment Authentication Transaction Value
      • Figure 4.8: Total Transaction Value, Biometrically Authenticated Remote Smartphone Transactions ($m), Split by 8 Key Regions, 2020-2025
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