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市場調査レポート
商品コード
1373669
バイオメトリックバンキングの世界市場規模、シェア、業界動向分析レポート:タイプ別、業界別、コンポーネント別、地域別展望と予測、2023年~2030年Global Biometric Banking Market Size, Share & Industry Trends Analysis Report By Type (Fingerprint, Facial Recognition, Hand Geometry, Iris Recognition and Others), By Vertical, By Component, By Regional Outlook and Forecast, 2023 - 2030 |
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バイオメトリックバンキングの世界市場規模、シェア、業界動向分析レポート:タイプ別、業界別、コンポーネント別、地域別展望と予測、2023年~2030年 |
出版日: 2023年09月30日
発行: KBV Research
ページ情報: 英文 281 Pages
納期: 即納可能
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バイオメトリックバンキング市場規模は2030年までに162億米ドルに達すると予測され、予測期間中のCAGRは16.6%の市場成長率で上昇する見込みです。
KBV Cardinalのマトリックスに示された分析によると、Apple, Inc.が同市場におけるトップランナーです。2023年6月、アップル社はHDFC銀行と提携し、インド市場への投資と製造を拡大しました。Google LLCやSamsung Electronics Co., Ltd.といった企業は、同市場における主要なイノベーターです。
市場成長要因
モバイルバンキングと非接触型決済の増加
COVID-19の大流行後、個人は非接触型の支払い方法を好むようになっています。サイバー脅威の高まりを考慮すると、安全で信頼できる決済ソリューションの確保は極めて重要です。さらに、COVID-19の大流行により、非接触型決済ソリューションの普及がさらに加速しました。これは、有害な細菌との接触を避けるため、決済機器との物理的な接触を最小限に抑えたいという消費者の願望によるものです。したがって、こうした要因が市場の拡大を後押ししています。
セキュリティの向上となりすまし詐欺の減少につながるバイオメトリクス利用の増加
バイオメトリクス認証は、PINやトークンなどの他の要素と組み合わせて多要素認証(MFA)システムを構築し、セキュリティをさらに強化することができます。従来のパスワードとは異なり、バイオメトリック・データは簡単に盗まれたり推測されたりすることがないため、不正アクセスのリスクを軽減することができます。バイオメトリック・データは否認防止を提供することができます。つまり、その人固有のバイオメトリック・データが認証に使用されたため、ユーザーは自分の行動を否定することができないです。その結果、これらの要因が市場を拡大すると予想されます。
市場抑制要因
セキュリティ上の懸念と高い導入コスト
セキュリティ上の懸念と高い導入コストは、市場が直面する2つの重要な課題です。倫理的配慮は、バイオメトリクス・データの収集と使用について、利用者からインフォームド・コンセントを得ることを中心に展開されます。銀行はデータの所有権や潜在的な監視の影響に関する懸念に対処しなければならないです。バイオメトリクス・データにアクセスできる銀行の従業員によるインサイダーの脅威は、不正アクセスやデータ漏洩につながる可能性があります。厳密なアクセス制御と監視を実施することが極めて重要です。また、銀行は、顧客がバイオメトリクス認証を理解し、問題があれば安全にトラブルシューティングできるように、ユーザー教育やトレーニング・プログラムに投資する必要があるかもしれないです。したがって、これらの要因が市場の成長を抑制すると予想されます。
タイプ別展望
タイプ別に見ると、市場は指紋、顔認証、ハンドジオメトリー、虹彩認証、その他に細分化されます。ハンドジオメンテーションセグメントは、2022年市場で顕著な収益シェアを記録しました。ハンドジオメトリー認識は、銀行の支店や銀行内の安全なエリアにおける物理的なアクセス制御に使用されています。ハンドジオメトリスキャンを使用することで、従業員や許可された担当者は制限区域、金庫室、データセンターにアクセスすることができます。この技術はセキュリティの強化に役立ち、許可された個人だけが機密エリアに入れるようにします。銀行は、従業員の勤怠管理にハンドジオメトリー認識を使用することができます。これにより、正確な勤務時間と勤怠記録が可能になり、給与処理と労働規制の遵守に不可欠です。
業界別展望
業界別では、小売、政府、運輸、ヘルスケア、ホスピタリティ、その他です。市場セグメンテーションでは、運輸部門がかなりの収益シェアを占めています。運輸業界では、セキュリティ強化、乗客体験の向上、業務の合理化のためにバイオメトリクス技術の採用が進んでいます。バイオメトリクスは、本人確認とアクセス制御が重要なこの分野で独自の利点を提供します。バイオメトリクス認証により、乗客はチェックインやセキュリティから搭乗や手荷物受取まで、旅のさまざまなタッチポイントをシームレスに移動できるようになるためです。
コンポーネントの展望
市場はコンポーネント別にハードウェア、ソフトウェア、サービスに区分されます。2022年には、ハードウェア・セグメントが最大の収益シェアで市場を独占しました。モバイル・バイオメトリクス・デバイスの開発、ハードウェアベースのセキュリティ能力の重視、消費者向け電子機器におけるバイオメトリクス技術の検証・識別用途での利用拡大が、バイオメトリクス技術の拡大を後押しする重要な要因となっています。信頼できる説明責任、優れた性能、信頼性、高いセキュリティと保証といったバイオメトリック・ハードウェアの利点が、この市場の拡大を後押ししています。数多くのベンダーが最先端技術の研究開発に投資し、ハードウェアの機能を強化し、中小企業のコストを削減しています。
地域別展望
地域別に見ると、市場は北米、欧州、アジア太平洋、LAMEAで分析されます。2022年には、北米地域が市場で最大の収益シェアを占めました。米国では、バイオメトリクス技術は、政府、国土安全保障、商業、法制度を含む様々な分野で利用されています。世界のテロの脅威の高まりにより、バイオメトリック技術によって安全・安心のニーズが高まっています。技術インフラが高度に発達し、データ・セキュリティとプライバシー規制が重視される北米は、バイオメトリクス・バンキング導入の最前線であり続けています。米国とカナダの大手金融機関は、バイオメトリック・バンキング・システムに多額の投資を行っています。これらの製品は、顧客口座を保護し、不正アクセスを防止し、わかりやすく安全なバンキング体験を提供します。
The Global Biometric Banking Market size is expected to reach $16.2 billion by 2030, rising at a market growth of 16.6% CAGR during the forecast period.
In banks, fingerprint biometrics are commonly used for user authentication. Customers could use their biometrics to access their bank accounts, make transactions, and perform numerous banking operations. Therefore, fingerprint segment would generate $2,826.1 million revenue in the market in 2022. Some banks use fingerprint biometrics to control access to their physical branches, especially in high-security or restricted-access areas. The market has been evolving rapidly, with technological advancements significantly enhancing security, improving user experience, and expanding the range of applications. Integrating biometric authentication into payment cards enables users to authenticate transactions using their fingerprint or other biometric data directly at the point of sale (PoS) terminals.
The major strategies followed by the market participants are Partnerships as the key developmental strategy to keep pace with the changing demands of end users. For instance, In June, 2023, Mastercard joined forces with Middle East Payment Services, a payment processor and card issuer, along with Zwipe, to unveil a range of biometric payment cards. Before this launch, MEPS collaborated extensively with Zwipe and Mastercard to conduct an extended pilot and testing phase for these new cards. Moreover, In March, 2023, Mastercard signed a partnership with Singtel Optus Pty Limited, to offer Optus customers a secure method for confirming their identity. Via the My Optus app, users can establish a reusable digital identity, eliminating the necessity for physical document submission when sharing information with consent.
Based on the Analysis presented in the KBV Cardinal matrix; Apple, Inc. is the forerunner in the Market. In June 2023, Apple, Inc. formed a partnership with HDFC Bank, to expand its investment and manufacturing the Indian market. Companies such as Google LLC and Samsung Electronics Co., Ltd. are some of the key innovators in the Market.
Market Growth Factors
Increase in mobile banking and contactless payments
After the COVID-19 pandemic, individuals began to favor contactless payment methods. Ensuring secure and dependable payment solutions is crucial in light of the growing cyber threats. Furthermore, the widespread use of contactless payment solutions has been further accelerated by the COVID-19 pandemic. This is due to consumers' desire to minimize physical contact with payment devices to save themselves from getting in touch with harmful bacteria. Therefore, these factors drive the expansion of the market.
Rising biometrics use in increasing security and reducing identity frauds
Biometric authentication can be combined with other factors like PINs or tokens to create a multi-factor authentication (MFA) system, further enhancing security. Unlike traditional passwords, biometric data cannot be easily stolen or guessed, reducing the risk of unauthorized access. Biometric data can provide non-repudiation, meaning the user cannot deny their actions since their unique biometric data was used for authentication. Consequently, these factors are anticipated to expand the market.
Market Restraining Factors
Security concerns and high implementation costs
Security concerns and high implementation costs are two significant challenges facing the market. Ethical considerations revolve around obtaining informed consent from users for collecting and using their biometric data. Banks must address concerns related to data ownership and potential surveillance implications. Insider threats from bank employees with access to biometric data can lead to unauthorized access or data breaches. Implementing strict access controls and monitoring is crucial. Also, banks may need to invest in user education and training programs to ensure customers understand biometric authentication and troubleshoot any issues securely. Therefore, it is anticipated that these factors will restrain the growth of the market.
Type Outlook
Based on type, the market is fragmented into fingerprint, facial recognition, hand geometry, iris recognition, and others. The hand geometry segment recorded a remarkable revenue share in the market 2022. Hand geometry recognition has been used for physical access control in bank branches and secure areas within banks. Using hand geometry scans, employees and authorized personnel can access restricted areas, vaults, and data centers. This technology helps enhance security and ensures that only authorized individuals can enter sensitive areas. Banks may use hand geometry recognition for time and attendance tracking of employees. This provides accurate work hours and attendance recording, crucial for payroll processing and compliance with labor regulations.
Vertical Outlook
By vertical, the market is retail, government, transportation, healthcare, hospitality, and others. The transportation segment covered a considerable revenue share in the market 2022. The transportation industry has increasingly adopted biometric technology to enhance security, improve passenger experience, and streamline operations. Biometrics offer unique benefits in this sector, where identity verification and access control are critical. It is attributed to biometric authentication enabling passengers to move seamlessly through various touchpoints of their travel journey, from check-in and security to boarding and baggage claim.
Component Outlook
On the basis of component, the market is segmented into hardware, software, and services. In 2022, the hardware segment dominated the market with the maximum revenue share. The development of mobile biometric devices, a greater emphasis on hardware-based security abilities, and the expanding use of biometric technologies in electronics for consumers for verification and identification applications are significant factors fueling the expansion of biometric technology. The benefits of biometric hardware, such as reliable accountability, excellent performance, dependability, and high security & assurance, help propel this market's expansion. Numerous vendors are investing in R&D for cutting-edge technologies to enhance hardware capabilities and reduce costs for small and medium-sized businesses.
Regional Outlook
Region-wise, the market is analysed across North America, Europe, Asia Pacific, and LAMEA. In 2022, the North America region witnessed the largest revenue share in the market. In the United States, biometric technologies are utilized in various sectors, including government, homeland security, commerce, and the legal system. An increasing number of safety and security needs are being met by biometric technology due to the increased global threat of terrorism. Due to its highly developed technological infrastructure and strong emphasis on data security and privacy regulations, North America remains at the forefront of biometric banking implementation. Large financial institutions in the United States and Canada have substantially invested in biometric banking systems. These products safeguard client accounts, prevent unauthorized access, and provide a straightforward and secure banking experience.
The market research report covers the analysis of key stake holders of the market. Key companies profiled in the report include Google LLC, NEC Corporation, Apple, Inc., The Charles Schwab Corporation, Mastercard Inc., Barclays Plc, Visa Inc., PayPal Holdings, Inc., Samsung Electronics Co. Ltd. and Aliph Brands.
Recent Strategies Deployed in Biometric Banking Market
Partnerships, Collaborations, and Agreements:
Jun-2023: Apple, Inc. formed a partnership with HDFC Bank, an Indian banking and financial services company to launch a credit card in India. Through this partnership, Apple would be able to expand its investment and manufacturing the Indian market.
Jun-2023: Mastercard forged a partnership with NAPS, a leading entity in the burgeoning Moroccan financial technology industry, to innovate pioneering payment alternatives for both individuals and enterprises. Additionally, Mastercard intends to accelerate the creation of digital payment innovations within Morocco, fortifying the nation's position as a prominent financial technology centre in the Arab region.
Jun-2023: Mastercard joined forces with Middle East Payment Services, a payment processor and card issuer, along with Zwipe, a biometric tech firm, to unveil a range of biometric payment cards. Before this launch, MEPS collaborated extensively with Zwipe and Mastercard to conduct an extended pilot and testing phase for these new cards. Additionally, the successful pilot phase achievement enables banks and issuers to introduce these cards swiftly and effectively.
Mar-2023: Mastercard signed a partnership with Singtel Optus Pty Limited, an Australian telecommunications company, to offer Optus customers a secure method for confirming their identity. Via the My Optus app, users can establish a reusable digital identity, eliminating the necessity for physical document submission when sharing information with consent. Additionally, this ID empowers customers to oversee and safeguard their data, employing top-tier technology to guarantee the safety and confidentiality of their personal information.
Feb-2023: Google LLC teamed up with Anthropic, an AI startup specializing in safety and research. Anthropic has chosen Google Cloud as its preferred cloud partner to access the computational resources needed for building dependable AI systems. Google Cloud also plans to construct advanced TPU and GPU clusters to support Anthropic's AI training and deployment needs.
Dec-2022: Apple, Inc. extended its partnership with Goldman Sachs Group Inc., an American multinational investment bank, to provide the services of a high-yield savings account to Apple cardholders. Through this partnership, Apple provided its customers the services of the "buy now, pay later" plans.
May-2022: Apple, Inc. formed a partnership with Google, LLC, an American multinational technology company, and Microsoft, an American multinational technology corporation, to expand their support towards the common passwordless sign-in, created by the FIDO Alliance and the World Wide Web Consortium. Through this partnership, the web users were given security and end-to-end passwordless option.
Oct-2021: Visa Inc. has collaborated with Callsign, a unique identifier for a transmitter station, for its behavioural biometric and device intelligence identity solutions. This collaboration entails Visa integrating Callsign's offerings into its network of financial institutions, payment service providers, and merchants throughout Europe.
Product Launches and Product Expansions:
Jun-2023: Google LLC introduced Anti Money Laundering AI, an AI-powered tool for financial institutions to enhance their money laundering detection. It offers a dynamic customer risk score based on machine learning, improving accuracy and operational efficiency.
Oct-2022: Mastercard unveils Crypto SourceTM, a novel initiative empowering financial institutions to offer secure cryptocurrency trading services to their clientele. With this, Mastercard is broadening its collaboration with Paxos Trust Company, a prominent regulated blockchain infrastructure provider. The partnership's objective is for Paxos to furnish cryptocurrency trading and custody solutions for banks, while Mastercard harnesses its technology to seamlessly incorporate these capabilities into the banks' interfaces.
Oct-2022: PayPal Holdings, Inc. announced the addition of passkeys as an easy and secure login method for PayPal accounts. This new login option was initially made available to iPhone, iPad, and Mac users on PayPal.com and later expanded to additional platforms as they added support for passkeys. Through this addition, customers able to enjoy a more seamless checkout experience, eliminating the risks associated with weak and reused credentials and alleviating the frustration of remembering a password while shopping online.
May-2022: Mastercard unveiled a retailer program, introducing biometric payment options such as facial and fingerprint authentication. Through this launch, users can verify their payment by presenting their face or palm at the checkout point, instead of swiping their card.
Jan-2022: Samsung Electronics Co. Ltd. unveiled its latest fingerprint security IC (integrated circuit), the S3B512C, featuring upgraded security capabilities. The S3B512C integrates a fingerprint sensor, a secure element (SE), and a secure processor, delivering an additional level of authentication and security for payment cards. Moreover, while the IC was primarily intended for payment cards, the S3B512C is also suitable for cards demanding highly secure authentication.
Acquisition and Mergers:
Sep-2021: PayPal Holdings, Inc. announced the acquisition of Paidy, a leading two-sided payments platform and provider of buy now, to expand its capabilities, distribution, and relevance in Japan. Under the acquisition, Paidy has sustained its ongoing operations and brand, with Paidy's president and CEO, along with founder and executive chairman, retained their positions.
Market Segments covered in the Report:
By Type
By Vertical
By Component
By Geography
Companies Profiled
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