市場調査レポート
商品コード
1498365
ATM (現金自動預払機) 市場の評価:タイプ・ソリューション・用途・地域別の機会および予測 (2017-2031年)Automated Teller Machine Market Assessment, By Type, By Solution, By Application, By Region, Opportunities and Forecast, 2017-2031F |
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ATM (現金自動預払機) 市場の評価:タイプ・ソリューション・用途・地域別の機会および予測 (2017-2031年) |
出版日: 2024年06月20日
発行: Market Xcel - Markets and Data
ページ情報: 英文 225 Pages
納期: 3~5営業日
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世界のATM (現金自動預払機) の市場規模は、2023年の304億1,000万米ドルから、2024年から2031年の予測期間中は5.14%のCAGRで推移し、2031年には454億1,000万米ドルの規模に成長すると予測されています。
ATM市場の成長の要因は、現金需要の増加、顧客満足度、モビリティ需要、技術革新、Europay, Mastercard &Visa (EMV) 採用率の増加、24時間取引サービスのアベイラビリティ、金融包摂の増加、コスト削減、効率化、非接触・モバイル決済の統合などです。
指紋認証、生体認証、二重認証など、セキュリティの向上した仕組みが統合されることで、技術的に先進的なATMには新たにセキュリティ層が追加され、不正行為の防止に役立つと期待されています。India Cash Vibrancy Reportによると、インドのATMからの現金引き出しは、2023年3月には235%増の335億6,000万米ドルにまで急増しています。非接触型ATMキオスクなどの技術進歩により、利用者はインターフェイスに触れることなくQRコードをスキャンしてATMから現金を引き出すことができます。モビリティやDIYバンキングに対する顧客ニーズの高まりによっても、ATM市場は今後も成長を続けると予想されています。
現金需要の増加が市場成長を牽引:
特に新興市場や銀行インフラが限られている地域では、現金に対する需要は依然として極めて重要です。ATMは現金の第一の入手先であり、24時間いつでも簡単に利用できます。少額の買い物や個人的な取引など、日常的な出費は依然として現金が好まれます。ATMは現金への便利なアクセスを提供し、人々の財政管理に役立っています。また、停電やネットワーク障害で電子決済が利用できない緊急時にも、現金は欠かせません。ATMはそのような場面で現金を入手するための主要な入手先となります。
ATMの包括的な機能が市場成長を促進:
銀行業界が成長し、銀行関連のサービスや問い合わせの増加に対応する需要が高まる中、ATMはそうしたサービスの代替手段を提供しています。ATMは、金融サービスだけでなく非金融サービスも含む複数の機能を実行しながら、銀行の通常の営業時間を超えて銀行サービスを利用する簡単で迅速な方法を提供します。ATMは、残高照会、暗証番号の変更、小切手帳の請求、その他の照会など、さまざまな非金融サービスを提供しています。このように多機能であることから、世界中で需要が高まっています。
当レポートでは、世界のATM (現金自動預払機) の市場を調査し、市場の定義と概要、市場規模の推移・予測、各種区分・地域別の詳細分析、産業構造、市場成長への影響因子の分析、ケーススタディ、競合情勢、主要企業のプロファイルなどをまとめています。
Global automated teller machine market is projected to witness a CAGR of 5.14% during the forecast period 2024-2031, growing from USD 30.41 billion in 2023 to USD 45.41 billion in 2031. Factors leading to the growth of automated teller machine market (ATM) are increasing demand for cash, customer satisfaction, and demand for mobility, technological innovations, increased rate of Europay, Mastercard & Visa (EMV) adoption, availability of transactional services around-the-clock, increasing financial inclusions, reduction in cost, efficiency gains, and the integration of contactless and mobile payments.
The integration of improved security mechanisms such as fingerprints, biometrics, and double authentication adds up to a separate security layer for technologically advanced ATMs, which is expected to help prevent fraud. According to the India Cash Vibrancy Report, cash withdrawals from ATMs in India have surged to 235 percent making USD 33.56 billion in March 2023. Technological advancements such as contactless ATM kiosks enable users to withdraw cash through ATMs by scanning a QR code without touching the interface. With the rise in customer demand for mobility and do-it-yourself banking, the automated teller machine market is anticipated to continue to grow in the coming years.
Increasing Demand for Cash is Driving the Market Growth
The demand for physical cash remains pivotal, especially in emerging markets and regions with limited banking infrastructure. ATM is the primary source of cash, which is easily accessible and available twenty-four by seven. Individuals still prefer cash for daily expenses, such as small purchases and personal transactions. ATMs provide convenient access to cash, helping people to manage their finances. In addition, cash is essential in emergencies when electronic payment methods may not be available due to power outages or network disruptions. ATMs serve as a main resource for obtaining cash in such scenarios.
Recently, Hitachi Payment Services, a subsidiary of Hitachi Limited, in collaboration with the National Payment Corporation of India, launched its first-ever UPI-ATM in India, "Hitachi Money Spot ATM," which will allow users to withdraw cash from ATMs without the card and PIN. Certain services such as public transportation, parking, and vending machines are accepting cash payments. ATMs ensure individuals have access to the required funds for such services. Therefore, the demand for cash is fueling the growth of the global automated teller machine market.
Comprehensive Functionality of ATMs is Fueling the Market Growth
As the banking industry is growing and there is an increase in demand to deal with the growth in banking-related services and queries, ATMs provide an alternative to such services. They offer an easy and quick way to avail banking services beyond the normal working hours of a bank, while performing multiple functions, including both financial as well as non-financial services. ATMs offer various non-financial services such as balance inquiries, PIN changes, requests for checkbooks, and other inquiries. Thus, the multiple-function feature has led to an increase in demand across the globe. One can withdraw and deposit cash from ATMs which is the core feature. Technological advancements such as using smart cards have made automated teller machines more accessible and user-friendly. Recently NCR Atleos, a self-service financial access for financial institutions, retailers, and consumers, has deployed its first multi-bank deposit ATMs in the United Kingdom.
North America Dominates the Global Automated Teller Machine Market Share
North America dominated the market due to the increasing requirement for a reduction in manual operations. As a result, customers opt for automated machines, such as ATMs, to carry out financial and non-financial banking services. Furthermore, most of the region's financial institutions promote ATM services and make customers aware of the benefits ATM provides. Other factors contributing to the market share are the use of advanced technology, including contactless payments and enhanced security features, government initiatives to promote the development of the automated teller machine market, and a strong focus on customer requirements and banking convenience.
Asia-Pacific is the fastest emerging market due to a huge population demanding cash-based transactions. The region's growing urbanization and expansion of retail industries are promoting growth in the automated teller machine market. According to reports, more than half of the world's ATMs are currently installed in Asia-Pacific.
Deployment of ATMs to Rule the Market
Deployment of ATMs rules the market with the largest market share. Customers can prevent lengthy queues at the branch and save time while completing transactions independently due to on-site ATMs, which are either placed within the branch or close to the bank's premises. ATMs are utilized for various banking tasks, including money transfers, deposits, and withdrawals. They reduce the probability of errors in withdrawals and deposits, indirectly enabling banks to have smooth and secure financial transactions. Also, adoption of ATMs has increased in the offsite solution sector. Both public and private ATMs have increased their service networks across various locations such as near airports, marketplaces, railway stations, and general places to provide convenient and easy access to customers. As of March 2024, Hitachi Payment Services announced the deployment of 10,000 White Label ATMs successfully across India.
Future Market Scenario (2024 - 2031F)
The automated teller machine market is propelling and soaring to new heights in the coming years as they are providing features and benefits that are consumer-friendly and easily accessible. The market is growing dynamically with technological innovation in contactless payments and withdrawals and strategic partnerships and collaborations.
In May 2024, Diebold Nixdorf announced its partnership with Bankart to modernize its European payment processing platform. The partnership will allow Bankart to leverage Diebold's API-driven technology to deliver broader functionality to their customers, including multi-national banks, with no operational impact or reduction in operational costs.
Key Players Landscape and Outlook
The global automated teller machine market is competitive as the market players are adopting various strategies such as partnerships, mergers and acquisitions, geographical expansion, and product launches, to enhance their presence in the market and are collaborating with technology-based firms to enhance banking services and promote contactless payments.
Diebold Nixdorf in August 2023 launched two new products, DN Series 600V teller cash recycler system for in-branch use and DN Series 430V, an outdoor walk-up cash recycler. DN Series 600V is designed to automate 90 percent of the transactions, increasing operational efficiency, and handling a large note capacity. DN Series 430V can withstand extreme climate conditions and when consumers need mostly cash.
Recently, Euronet announced the expansion of its independent ATM network with new launches in Belgium and Mexico. This will increase its global ATM footprint to 38 countries across Europe, Asia Pacific, Africa, and the Americas.
All segments will be provided for all regions and countries covered
Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work