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市場調査レポート
商品コード
1126431
銀行業務におけるIoTの世界市場規模、シェア、産業動向分析レポート:提供サービス別、展開モデル別、企業規模別、用途別、地域別展望と予測、2022年~2028年Global Internet of Things in Banking Market Size, Share & Industry Trends Analysis Report By Offering, By Deployment Model, By Enterprise Size, By Application, By Regional Outlook and Forecast, 2022 - 2028 |
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銀行業務におけるIoTの世界市場規模、シェア、産業動向分析レポート:提供サービス別、展開モデル別、企業規模別、用途別、地域別展望と予測、2022年~2028年 |
出版日: 2022年08月31日
発行: KBV Research
ページ情報: 英文 260 Pages
納期: 即納可能
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銀行業務におけるIoTの世界市場規模は、2028年までに918億米ドルに達し、予測期間中にCAGR34.3%で上昇すると予測されています。
高まる期待に対抗するため、消費者とスタッフの双方にとって、新しく充実した体験と、より大きな価値を提供することに焦点が移ってきています。IoTは、銀行が活用しているテクノロジーの一つです。デジタルが大きく変化する中で、IoTを活用することで、特にお客様の要望に応えられるようなモノづくりができるのではないかと、銀行では検討を進めています。顧客中心主義を重視するあまり、世界の大手銀行のいくつかはフロントオフィスを再構築しています。
デビットカードやクレジットカードを持つ消費者が便利にサービスを受けられるようにすることは、銀行業におけるIoTの重要な利点の一つです。銀行は、特定の場所でATMキオスクがどの程度頻繁に利用されているかを調べ、それに応じてATMの設置場所を調整することができます。銀行は、IoTデータを活用して、ATMに加えてキオスクを提供し、顧客の可用性を向上させ、顧客に直接オンデマンドサービスを提供することができます。金融機関は、IoTによって得られる顧客データを活用することで、顧客のビジネス需要やバリューチェーンを発見し、顧客インサイトを得ることができます。こうした顧客データは、銀行が付加価値の高いサービスや金融支援、オーダーメイドの商品を提供する際に役立ち、双方にとって有利な状況を作り出すことができます。
COVID-19のインパクト分析
COVID-19の発展を遅らせるために、世界中の銀行員の大半がリモートワークをするように促されています。また、COVID-19の取り組みは、顧客が慣れ親しんできた銀行業務に課題しています。世界保健機関(WHO)は、消費者が非接触型決済を採用し、紙幣の取り扱いを制限するよう提言しています。在宅勤務」というライフスタイルの世界の普及により、金融分野におけるモノのインターネット(IoT)は、パンデミック後に急速に拡大すると予測されています。銀行におけるIoTの市場は近年大幅に拡大していますが、COVID-19の流行により、銀行は業務をデジタルプラットフォームへ迅速に移行する必要に迫られました。これらの要素が、銀行におけるIoTの拡大を後押ししました。
市場成長の要因
銀行業におけるIoTソリューションの用途拡大
エッジコンピューティングやIoTデバイスなどのネットワーク技術は、高い処理能力と生産性を高める用途が多いため、世界市場で大きな人気を博しています。また、さまざまなベンダーがIoTデバイスを製造しており、現代のビジネス環境における連携デバイスの普及を後押ししています。無線自動識別(RFID)、低エネルギーBluetooth、近距離無線通信(NFC)、低エネルギー無線、LTE-A、低エネルギー無線プロトコル、Wi-Fiダイレクトは、IoTシステムで使用される一般的なプロトコルや技術の一例です。
銀行間の通信ネットワークの強化
IoTアプリケーションの設計と導入がよりシンプルになってきているのは、各国政府が住民の通信速度と包括的な接続性を高め、サービスを向上させるために、自国の現在の携帯電話ネットワーク・インフラをアップグレードしようとし続けているからです。多くの新興諸国では、このような拡大のおかげで、新しい企業がIoTアプリケーションに取り組むことが奨励されています。また、最新の通信技術により、本格的な監視・通信システムの採用や、銀行・金融機関によるリアルタイム決済の実現も期待されています。このように、IoTは今後、現代の金融アプリケーションにおいて、大きな可能性を秘めていると言えるでしょう。
市場抑制要因
データおよびセキュリティ侵害事例の増加
IoT導入の最大の障壁は、データ保護とセキュリティというデリケートなテーマであり、これは銀行業界の大半が対応しています。銀行業界は、データ漏洩やセキュリティ侵害が致命的となる可能性があるため、基準やガバナンスへの厳格なコンプライアンスによって、密接に規制されています。企業は、ますます多くのユーザーやプロバイダーのデータを洗練されたAI搭載アルゴリズムに送り込み、それが顧客や従業員にどのような影響を与えるかを意識することなく斬新な個人データを作成し、その後、プライバシーに関する懸念がエスカレートするのを助長しています。
オファリングの展望
銀行におけるモノのインターネット(IoT)市場は、提供に基づき、ソリューションとサービスに二分されます。サービスセグメントは、2021年の銀行におけるモノのインターネット(IoT)市場で大きな収益シェアを獲得しました。賢明な意思決定を行うために、銀行はIoT由来のデータを価値ある情報に変換する必要があります。取得したデータを通じて、銀行は市場シェアを拡大し、それによって顧客に改善されたサービスを提供することができます。
展開モデルの展望
展開タイプに基づき、銀行におけるモノのインターネット(IoT)市場はオンプレミスとクラウドに分類されます。オンプレミスセグメントは、2021年の銀行業務におけるIoT市場で最大の収益シェアを記録しました。オンプレミスシステムのより専門的で安全なアプリケーションが、その原因となっています。それとともに、これらのソリューションは、データ侵害の可能性が低いため、より安全であると考えられており、したがって、より信頼性が高いです。このため、同分野の成長は今後数年間でさらに拡大すると考えられます。
企業規模別の展望
企業規模に基づき、銀行におけるモノのインターネット(IoT)市場は、大企業と中小企業に細分化されます。2021年の銀行業務におけるIoT市場では、SMEsセグメントが大きな収益シェアを記録しました。リテールバンキングにおけるIoTの拡大は、小規模な銀行が少ない人員数を補うために行う技術支出の増加によって促進されると予測されます。また、銀行分野におけるIoTソリューションの様々な特典が、より多くの中小企業を惹きつけ、その結果、このセグメントの成長を後押ししています。
アプリケーションの展望
銀行業務におけるIoT市場は、アプリケーション別に、スマートATM、顧客管理・サポート、セキュリティ・認証、その他に分けられます。2021年の銀行業務におけるIoT市場では、スマートATM部門が最も高い収益シェアを調達しました。追加機能を備えた現金自動預け払い機(ATM)は、スマートATMと呼ばれることがあります。消費者は、口座開設、小切手や現金の預け入れ、送金など、かつては支店に出向く必要があったさまざまなサービスをスマートATMで行えるようになっています。
地域別の展望
地域別に見ると、銀行におけるモノのインターネット(IoT)市場は、北米、欧州、アジア太平洋、LAMEAで分析されています。北米は、2021年に最大の収益シェアを獲得し、銀行業務におけるIoT市場の主要地域として浮上しました。技術的なソリューションへの投資が多いことが、予測期間中の銀行業におけるIoT市場の成長を促進すると予測されているものです。また、急速な技術進歩とともに、この地域の様々な国々における銀行部門の拡大が、今後数年間、この地域の銀行業務におけるIoT市場の成長を増大させるでしょう。
List of Figures
The Global Internet of Things (IoT) in Banking Market size is expected to reach $91.8 billion by 2028, rising at a market growth of 34.3% CAGR during the forecast period.
The term "Internet of Things" (IoT) refers to a network of actual physical items, also known as "nodes," that are equipped with software, sensors, and other technologies in order to communicate and exchange data with other systems and devices over the internet. IoT devices are frequently used by banking and financial institutions to offer their clients special services like contactless payments as well as gamified rewards.
Customers who do banking nowadays are recognized to be less dependable, pickier, and more accustomed to the whole range of digital banking services, from self-service to automated wealth advising. Furthermore, the banks are seriously threatened by the cost, consumer expectations, conventional competitors, and fintech factors together.
In order to compete with increased expectations, the focus has shifted to providing new and enhanced experiences as well as greater value for both consumers and staff. IoT is one of the technologies that banks are utilizing. Banks are investigating how IoT may help create goods that especially correspond to client requests in the midst of a big digital upheaval. Owing to an increased emphasis on customer centricity, a few of the biggest banks in the world are restructuring their front offices.
Giving consumers with debit and credit cards convenient access to services is one of the key advantages of IoT in the banking sector. Banks can examine how frequently ATM kiosks are used in particular locations and adjust the location of ATM installations accordingly. Banks can leverage IoT data to provide kiosks and improve client availability in addition to ATMs to provide on-demand services directly to customers. Financial institutions can discover their customers' business demands, their value chain, and obtain customer insights by using the customer data made available by IoT. Such client data can help banks in offering value-added services, financial support, and tailored goods to create a favorable circumstance for both sides.
COVID-19 Impact Analysis
The vast majority of bank staff worldwide are being urged to work remotely in order to slow the development of COVID-19. The COVID-19 initiative is also challenging customers' ingrained banking practices. The World Health Organization (WHO) has suggested that consumers adopt contactless payment and limit their handling of banknotes. Due to the increased global adoption of the "work from home" lifestyle, the Internet of Things (IoT) in the financial sector is predicted to expand quickly after the pandemic. The market for IoT in banking has seen substantial growth in recent years, but due to the COVID-19 epidemic, banks were compelled to quickly transition their operations to digital platforms. These elements helped IoT in banking expand.
Market Growth Factor
Increase in Applications for IoT Solutions in Banking Sector
Due to their many high-throughput and productivity-boosting uses, networked technologies like edge computing and IoT devices are gaining significant popularity on the global market. Additionally, a broad variety of vendors are producing IoT devices, which is boosting the penetration of linked devices in the contemporary business environment. Radiofrequency identification (RFID), low-energy Bluetooth, near-field communication (NFC), low-energy wireless, LTE-A, low-energy radio protocols, and Wi-Fi-direct are a few examples of common protocols and technologies used by IoT systems.
Enhancements in Communication Networks Among Banks
IoT applications are getting simpler to design and deploy as governments continue to attempt and upgrade the current cellular networking infrastructure of their nations in order to enhance communication speed and comprehensive connectivity for their inhabitants and the improvement of services. Newer enterprises are encouraged to engage in IoT applications thanks to this expansion in many developing countries. Modern communication technologies are also enabling the employment of authentic monitoring & communication systems, enabling banks and financial institutions to provide real-time payment settlement systems. These elements indicate considerable potential for IoT in contemporary financial applications in the future.
Market Restraining Factor
Rise in The Cases of Data and Security Breaches
The biggest barrier to IoT adoption is the delicate subject of data protection and security, which is addressed by the majority of banking sector. The banking industry is closely regulated by strict compliance to standards and governance since any data breach or security breach might be fatal. Businesses are feeding increasingly more user and provider data into sophisticated, AI-powered algorithms, creating novel personal data without being aware of how it will affect customers and employees, which subsequently fuels the escalating privacy concerns.
Offering Outlook
Based on offering, the internet of things (IoT) in banking market is bifurcated into Solution and Services. Services segment procured a significant revenue share in the internet of things (IoT) in banking market in 2021. In order to make educated decisions, banks must transform the IoT-derived data into valuable information. Through the data acquired, the banks may grow their market share thereby providing their clients with improved services.
Deployment Model Outlook
On the basis of deployment type, the internet of things (IoT) in banking market is classified into On-premise and Cloud. On-premise segment recorded the largest revenue share in the internet of things (IoT) in banking market in 2021. On-premise systems' more specialized and secure applications are to responsible for this. Along with that, these solutions are considered to be safer since there is less chance of data breaches and hence are more reliant. Due to this, the growth of the segment would augment in the coming years.
Enterprise Size Outlook
Based on enterprise size, the internet of things (IoT) in banking market is fragmented into Large Enterprises and SMEs. The SMEs segment recorded a significant revenue share in the Internet of Things (IoT) in banking market in 2021. The expansion of IoT in retail banking is projected to be aided by the increasing number of technology expenditures made by small-scale banks to compensate for their smaller fleet of staff. In addition, various benefits of the IoT solutions in banking sector is attracting more SMEs to deploy them and hence, boosting the growth of the segment.
Application Outlook
By application, the internet of things (IoT) in banking market is divided into Smart ATMs, Customer Management and Support, Security and Authentication and Others. Smart ATMs segment procured the highest revenue share in the Internet of Things (IoT) in banking market in 2021. Automated teller machines (ATMs) with additional features might be referred to as smart ATMs. Consumers can now do a variety of services that once required an appointment in a local branch, like creating an account, depositing checks & cash, and transfer funds, using smart ATMs.
Regional Outlook
Region-wise, the internet of things (IoT) in banking market is analyzed across North America, Europe, Asia Pacific and LAMEA. North America emerged as the leading region in the Internet of Things (IoT) in banking market with the largest revenue share in 2021. The high investment in technological solutions is what is anticipated to fuel the growth of the IoT in banking market over the forecast period. In addition, the expansion of the banking sector in various nations of the region along with the rapid technological advancements would augment the growth of the regional internet of things (IoT) in banking market in the coming years.
The market research report covers the analysis of key stake holders of the market. Key companies profiled in the report include Microsoft Corporation, IBM Corporation, SAP SE, Oracle Corporation, Cisco Systems, Inc., Accenture PLC, Infosys Limited, Capgemini SE, Software AG and Vodafone Group Plc.
Strategies Deployed in Internet of Things (IoT) in Banking Market
May-2022: Capgemini completed the acquisition of Chappuis Halder & Cie, a global strategy and management consulting firm specializing in the financial services industry. This acquisition aimed to contribute to the company's in-depth expertise in Financial Services, a major condition to be capable to advise and assist its customers in the industry with their business transformation.
Apr-2022: Infosys completed the acquisition of Oddity, a Germany-based digital marketing company. This acquisition reinforces Infosys' branding, creative, and experience design abilities. Additionally, Oddity brings to Infosys a complete service offering including digital-first brand communication and management, in-house production, such as virtual and augmented reality, experience strategy, and e-commerce services along with its metaverse-ready set-up within Europe.
Mar-2022: Software AG acquired StreamSets, a developer of digital business and application integration software. This acquisition aimed to further differentiate the hybrid integration offering for clients and fully complement Software AG's strategy to provide sustainable, profitable growth.
Mar-2022: SAP SE acquired Taulia, a leading provider of working capital management solutions. This acquisition aimed to expand SAP's business network and strengthen SAP's solutions for the CFO office. Taulia's solutions would be tightly integrated into SAP software as well as continue to be available standalone. In addition, Taulia would operate as an independent company with its own brand within the SAP Group.
Jun-2021: Microsoft took over ReFirm Labs, the developer of the open-source Binwalk firmware security-analysis product. This acquisition aimed to bring expertise in firmware security and the Centrifuge firmware platform to boost their ability to evaluate and assist in protecting firmware backed by the power and speed of the cloud.
Apr-2021: SAP SE came into a partnership with Dediq, an entrepreneurial investor focused on information technology and digital businesses. This partnership aimed to boost the support for the digital transformation of clients in the Financial Services Industry and offer advanced cloud solutions at a rapid pace that would assist them to transform their business holistically.
Oct-2020: Infosys took over Blue Acorn iCi, an Adobe Platinum partner in the US. This acquisition aimed to strengthen Infosys' end-to-end customer experience portfolio and show its continued commitment to assisting customers to navigate their digital transformation journey.
Sep-2020: Accenture acquired SALT Solutions, a technology consultancy headquartered in Wurzburg, Germany. This acquisition aimed to expand Accenture Industry X's digital manufacturing, operations, and supply chain business in Germany.
Aug-2020: Cisco took over ThousandEyes, a network intelligence company. This acquisition aimed to enable customers to have an end-to-end view into the digital delivery of applications as well as services over the internet.
Jun-2020: Microsoft acquired CyberX, a software company. This acquisition aimed to offer more value to the customers as CyberX would be integrated with Microsoft's broad portfolio of IoT security offerings in threat protection, which includes users, applications, endpoints, data, and more.
Oct-2019: Accenture took over Nytec, award-winning product innovation and engineering company. Through this acquisition, Nytec would expand Accenture Industry X.0's ability to advance connected, Internet-of-Things (IoT)-enabled experiences for customers from idea to realization, which is an area in which both Accenture and Nytec have already succeeded.
Jun-2019: Cisco acquired Sentryo, makers of an industrial Internet of Things platform. The acquisition aimed to integrate Cisco's intent-based network architecture with Sentryo's offering, to enable the customer to gain IoT benefits, handle networks and devices at scale, allow collaboration across IT and OT departments, and better safeguard their assets and data.
Market Segments covered in the Report:
By Offering
By Deployment Model
By Enterprise Size
By Application
By Geography
Companies Profiled
Unique Offerings from KBV Research