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本人確認市場-成長、 動向、予測(2021年~2026年)

Identity Verification Market - Growth, Trends, COVID-19 Impact, and Forecasts (2021 - 2026)

出版日: | 発行: Mordor Intelligence Pvt Ltd | ページ情報: 英文 120 Pages | 納期: 2-3営業日

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本人確認市場-成長、 動向、予測(2021年~2026年)
出版日: 2021年04月21日
発行: Mordor Intelligence Pvt Ltd
ページ情報: 英文 120 Pages
納期: 2-3営業日
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  • 概要
  • 目次
概要

本人確認市場は、2020年~2025年の予測期間中、13.1%のCAGRを記録することが予想されています。新しい確認製品は、業界全体で拡大するセキュリティの脅威と脆弱性に対応し、ID管理をサイバー防御のコア要素にします。テクノロジーの専門家は、ブロックチェーンベースのデジタル本人確認、記録の証明、および記録共有システムを提案しています。従来のIDシステムと比較すると、ID所有者のプライバシーを尊重しながら、ID検証とIDベースのレコード共有がより効率的かつ安全になります。

  • 厳しい規制を通したソリューションを採択していることと、コンプライアンスの必要性が市場を牽引しています。規制当局は現在、KYC(Know Your Customer)とAML(Anti-Money Laundering)に対してより厳格になっています。
  • EUは、2020年1月10日から実施される予定であった第5次AML指令を開始しました。AML規制の範囲もさらに強化されます。
  • さらに、企業における BYOD 動向の採用が市場を牽引しています。 BYOD市場が成長するにつれて、企業(主に中規模および大規模企業)は、セキュリティの脅威に適応するために懸命に努力しながら、コスト削減と従業員満足の機会を享受しています。指紋と網膜のスキャン、および顔認識は、ほとんどのモバイルデバイスで利用できるようになりました。 2020年には、BYODアプローチに不可欠なセキュリティ対策になるでしょう。
  • Duoの2019年の情報によると、5億人のユーザーのうち、ビジネス用途のモバイルデバイスの77%に生体認証が設定されています。 2022年までに、大企業および世界の企業の60%、および中規模企業(MSE)の90%もこの認証方法を実装する可能性が高く、組織はパスワードなしの戦略を採用する必要があることをますます理解しています。
  • さらに、オンライン本人確認は、COVID-19に牽引されて需要が急増しています。多くの企業がCOVID-19の大流行の際にスタッフをリモート勤務に切り替えているため、ビデオ会議やズームなどのその他のツールに対する需要が明らかに急増しています。いくつかのスタートアップ企業でも、過去数週間にわたって本人確認の需要が高まっています。
  • ただし、本人確認技術を採用する際の予算の制約により、市場は制限されています。

当レポートでは、本人確認市場を調査し、市場概要、市場の成長要因および阻害要因の分析、部品別・配置モード別・組織規模別・地域別の市場規模の推移と予測、競合情勢、主要企業のプロファイル、市場機会など、包括的な情報を提供しています。

目次

第1章 イントロダクション

第2章 調査手法

第3章 エグゼクティブサマリー

第4章 市場力学

  • 市場概要
  • 市場成長要因
    • 厳しい規制とコンプライアンスの必要性によるソリューションの採用
    • 企業におけるBYOD 動向
  • 市場の抑制要因
    • 本人確認ソリューションの導入中の予算上の制約
  • 業界のバリューチェーン分析
  • ポーターのファイブフォース分析
  • COVID-19の影響

第5章 市場細分化

  • 部品別
    • 解決
    • サービス
  • 配置モード別
    • クラウド
    • オンプレミス
  • 組織規模別
    • 中小企業
    • 大企業
  • エンドユーザー別
    • BFSI
    • 政府と防衛
    • 小売
    • ヘルスケア
    • ITおよびテレコム
    • エネルギーとユーティリティ
    • その他のエンドユーザー
  • 地域別
    • 北米
    • 欧州
    • アジア太平洋
    • ラテンアメリカ
    • 中東・アフリカ

第6章 競合情勢

  • 企業プロファイル
    • Acuant Inc.
    • Authenteq Ltd
    • Gemalto NV (Thales group)
    • IDEMIA
    • Mitek Systems Inc.
    • Experian PLC
    • Onfido Ltd
    • Shufti Pro
    • TransUnion LLC
    • Trulioo Inc.

第7章 投資分析

第8章 市場機会および未来の動向

目次
Product Code: 69133

The Identity Verification Market is expected to grow at a CAGR of 13.1% over the forecast period 2021 to 2026. The acceptance of digital payment methods is expected to improve post the COVID-19 outbreak and play a stronger role in the long term. With cash being seen as a potential carrier for the virus, governments and regulatory bodies are discouraging its use. For instance, the use of cash in Britain was halved, following government-imposed lockdown. In the United Kingdom, due to the COVID-19 outbreak, FATF guidelines have enabled customers to send selfies, and email scanned ID documents as proof for identification.

  • Adoption of solutions through stringent regulations and the need for compliance are influencing the market growth. The regulatory authorities have now become more stringent toward KYC (Know Your Customer) and AML (Anti-money Laundering) compliance, among reporting entities.
  • With increasing online services, combined with smartphone penetration, verifying identities digitally are becoming crucial for both businesses and governments. The regulatory authorities are increasingly becoming stringent toward KYC and AML compliance among businesses, to control financial crime. FATF (Financial Action Task Force) increased the scope of reporting entities and recommended the member countries to oblige to the legal professionals, and art dealers and virtual asset dealers to perform AML screening on their customers.
  • The European Union launched the fifth AML directive under which the identity verification threshold for the prepaid card industry was reduced from EUR 250 to EUR 150. Additionally, the scope of AML regulations is further enhanced. Moreover, government bodies, worldwide, emphasize on creating stringent regulations to curb identity theft and make efforts, to get the global population under the legal identity umbrella. The UN and World Bank ID4D initiatives aim to provide everyone on the planet with a legal identity, by 2030.
  • The growing number of financial frauds in businesses is influencing the rise of identity verification solutions for businesses. According to a survey by the American Express in 2019, about 27% of the sales ended up in fraudulent transactions, influencing merchant decisions to deploy frictionless checkout systems. Moreover, around 69% of the merchants in the United States have spent a significant amount of time and money dealing with payment fraud.
  • Identity theft is a major part of financial frauds that are challenging digital payment growth and adoption. Due to this, enterprises across the world are increasingly spending on solutions for identity verification. According to the Insurance Information Institute (III) report, 14.4 million identities were stolen in 2018, and about 3.3 million victims were liable for a financial penalty. Additionally, the report mentioned that over 40% of the stolen identities were used for the execution of credit card fraud.
  • Moreover, enterprises across the world are increasingly spending on the digitization of their businesses, including their payment processes. According to a survey by Visa, over 80% of consumers mentioned digital-related benefits as motivating factors to shop. Due to such developments, SMEs are expected to be at the forefront of digital transformation, as they make up a large share of private sector businesses in the world. For example, according to the UK Parliament Business, Energy, and Industrial Strategy Committee, SMEs make up 99.9% of all private sector businesses in the United Kingdom and employ 16.3 million people or 60% of the UK's private-sector workers.
  • A growing trend in the identity verification space drives out previous industry standards, such as KBA and SSN verification, out of the picture, as they are considered insecure in the ever-changing technological environment. Equifax hack, which exposed 147.7 million American's personal information, stands as an example. Hence, businesses are looking for better solutions to perform identity authentication.
  • Growing consumer propensity toward mobile payment solutions is further driving the market demand. According to the Mobile Economy Report of 2019, the mobile ecosystem generated USD 1.1 trillion in economic value, in 2018. Moreover, Asia-Pacific is expected to contribute toward the market growth, owing to the growing adoption of mobile payment solutions and e-commerce market. For instance, over 583 million people used mobile payment in China in 2018, an increase of 10.7%, according to the China Internet Network Information Center (CNNIC).

Key Market Trends

Adoption of Digital/Electronic Identity Verification Solution Accounts for Significant Share

  • Digital identity verification is a market segment of distinct, coordinating products, wherein large vendors have portfolios of established products, while small vendors are constantly innovating to capture better market shares. The market is witnessing a consumer paradigm shift from manual identity verification systems to an electronic credentialing system that allows personal identity devices to interact. Each interacting device has an installed identity engine that acquires, holds, issues, and uses electronic credentials (e-credentials). These electronic credentials can be installed on personal identity devices, like smartphones, tablets, laptops, embedded systems, and/or personal computers.
  • According to the Identity Theft Resource Center, in 2019, 525 data breaches were reported in the United States health/medical sector. Ten years earlier, the number stood at 70 breaches. With each data breach, the medical records are published on the dark web that exposes patients' date and place of birth, credit card info, etc. According to the same source, it was found that data breaches in the medical and healthcare sector constituted 35.64% of all data breaches in the United States in the measured period.
  • For instance, in June 2019, Quest Diagnostics exposed close to potential 11.9 million patients' records. Furthermore, in July 2019, Quest's rival, LabCorp, was the target of a cyberattack that resulted in the company pulling parts of its IT system offline. The ransomware attack cost LabCorp USD 24 million to address.
  • Owing to such incidents, digital identity verification is a key component of ensuring patient security. It is vital for healthcare organizations to take a Know Your Patient approach, through the adoption of an online digital identity verification system, which verifies a patient by comparing a photo of a patient's government-issued ID to a live photo. Furthermore, health insurance fraud is another area for consideration. When a patient's identity and his privacy are compromised, they suffer from financial fallout, and the industry needs to deal with fraudulent claims and other related legal fees.
  • Digital identity is a potential multiplier of future economic value across several regions. Digital identity schemes act as a significant enabler in developing new products and solutions, and significantly reducing operational costs for relying parties. For instance, the potential value to the UK economy of utilizing smart technology, including digital identity verification systems, has been estimated to be as high as EUR 58 billion by the end of FY 2020. The costs of continued inaction are projected to far outweigh the likely cost of delivering solutions. The potential benefits via fraud reduction alone run to multiple EUR billions/year.

Asia Pacific to Witness Significant Market Growth

  • Asia-Pacific is expected to provide significant market growth for identity verification over the forecast period. In recent years, the region witnessed accelerated growth in digital banking sector, where more fintech and newly licensed virtual banks are approaching this market to address the unbanked segment, while traditional banks are being in transformation stage to manage costs and achieve operational efficiency in this increasingly competitive landscape. However, digitization has exposed businesses to new risks, such as online identity fraud, account takeovers, and data breaches.
  • Fraudsters are increasingly growing advanced with the sophisticated technologies they now use to impersonate legitimate users. Deepfake technology poses a growing identity threat by using advanced artificial intelligence (AI) for creating seemingly real videos that take a person in an existing image or video, and it replaces them with someone else's likeness.
  • More Asian companies are integrating real-time liveness detection capabilities into their eKYC systems that ensure the remote user is physically present and can defend against spoofing attacks. As the digital economy grows, multi-factor biometric identity verification and certified liveness detection technologies are trending to evolve accordingly, to better serve and address the changing security needs of business and consumers.
  • India experienced a rapid increase in cybercrime registration, with the country ranking fifth in terms of the overall DNS hijacks. According to Gemalto, India accounts for 37% of the global breaches in terms of records compromised or stolen. With the increasing number of malware and ransomware attacks in the country, it states a significant factor in driving the adoption of identity verification solutions.
  • Furthermore, in China, in March 2020, China Ever­bright Bank (CEB) announced a blockchain-based supply chain finance solution by Ant Financial. By implementing Ant Financial's Duo Chain technology, China Ever­bright Bank intends to improve the security of SCF, and eliminate fraudulent transactions. As reported by Sina, the Duo Chain plat­form allows users to complete identity verification and electronic signatures with CEB, while recording all relevant transactions to a distributed ledger for tracking purposes.
  • Furthermore, in March 2020, the government of Singapore is preparing for the transition to a facial recognition program, which will eliminate the need for ID cards by 2022. The announcement of the installation of Photo kiosks in government agencies across Singapore will effectively inhibit the growth of the market.

Competitive Landscape

The identity verification market is highly fragmented with numerous competitors and many competing technologies that provide intense rivalry among the players. Key players are Acuant Inc., Authenteq Ltd, etc. Recent developments in the market are -

  • April 2020 - IBM announced to resell Okta Identity Cloud because of a recent strategic partnership, with the identity management solution provider. The new security services that Okta covers are the end-to-end solution, customization, optimization of investments and accelerated adoptions.

Reasons to Purchase this report:

  • The market estimate (ME) sheet in Excel format
  • 3 months of analyst support

TABLE OF CONTENTS

1 INTRODUCTION

  • 1.1 Study Assumptions and Market Definition
  • 1.2 Scope of the Study

2 RESEARCH METHODOLOGY

3 EXECUTIVE SUMMARY

4 MARKET DYNAMICS

  • 4.1 Market Overview
  • 4.2 Assessment of Impact of COVID-19 on the Industry
  • 4.3 Industry Attractiveness - Porter's Five Forces Analysis
    • 4.3.1 Threat of New Entrants
    • 4.3.2 Bargaining Power of Buyers/Consumers
    • 4.3.3 Bargaining Power of Suppliers
    • 4.3.4 Threat of Substitute Products
    • 4.3.5 Intensity of Competitive Rivalry
  • 4.4 Market Drivers
    • 4.4.1 Adoption of Solution Through Stringent Regulations and Need For Compliance
    • 4.4.2 Adoption of BYOD Trends in Enterprises
  • 4.5 Market Restraints
    • 4.5.1 Budgetary Constraints During the Adoption of Identity Verification Solutions

5 MARKET SEGMENTATION

  • 5.1 Type of Solution
    • 5.1.1 Document/ID Verification
    • 5.1.2 Digital/Electronic Identity Verification
    • 5.1.3 Authentication
  • 5.2 Deployment Type
    • 5.2.1 On-premise
    • 5.2.2 On-demand
  • 5.3 End User Industry
    • 5.3.1 Financial Services
    • 5.3.2 Retail and E-commerce
    • 5.3.3 Gaming/Gambling
    • 5.3.4 Government
    • 5.3.5 Other End User Industries
  • 5.4 Geography
    • 5.4.1 North America
    • 5.4.2 Europe
    • 5.4.3 Asia Pacific
    • 5.4.4 Latin America
    • 5.4.5 Middle East and Africa

6 COMPETITIVE LANDSCAPE

  • 6.1 Company Profiles*
    • 6.1.1 Finicity Corporation
    • 6.1.2 Onfido Limited​
    • 6.1.3 Acuant Inc.​
    • 6.1.4 Intellicheck Inc.​
    • 6.1.5 Jumio Corp.
    • 6.1.6 Trulioo Information Services Inc.​
    • 6.1.7 Mitek Systems Inc.​
    • 6.1.8 Veriff
    • 6.1.9 Ekata Inc.
    • 6.1.10 IBM Corporation

7 INVESTMENT ANALYSIS

8 FUTURE OF THE MARKET

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