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市場調査レポート
商品コード
1536773
セルフ窓口端末(VTM)市場:展開別、プロバイダー別、オファリング別、地域別、機会、予測、2017年~2031年Virtual Teller Machine Market Assessment, By Deployment [On-site, Off-site, Others], By Provider [Bank, Managed Service Provider], By Offering [Hardware, Software, Service], By Region, Opportunities and Forecast, 2017-2031F |
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カスタマイズ可能
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セルフ窓口端末(VTM)市場:展開別、プロバイダー別、オファリング別、地域別、機会、予測、2017年~2031年 |
出版日: 2024年08月19日
発行: Market Xcel - Markets and Data
ページ情報: 英文 240 Pages
納期: 3~5営業日
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世界のセルフ窓口端末(VTM)の市場規模は、2023年の19億米ドルから2031年には47億9,000万米ドルに成長し、予測期間の2024年~2031年のCAGRは12.30%と予測されています。セルフ窓口端末(VTM)市場は、簡単で迅速なバンキング・サービスに対する需要の増加により活況を呈しています。デジタルバンキングチャネルの利用が増加していることも、顧客がより簡単で近づきやすいバンキングチャネルに魅力を感じる傾向に寄与しています。セルフ窓口端末(VTM)は、特にサービスが行き届いていない地域の多くの顧客に、バンキングサービスを安価に提供しています。人工知能(AI)や生体認証技術などのテクノロジーは、セルフ窓口端末(VTM)と統合されることで、より効率的でユーザーフレンドリーなものとなります。さらに、政府はすべての国民が平等に金融サービスを利用できるようにするなどの取り組みを通じて、金融包摂を強化する上で重要な役割を果たしています。これらの要因により、世界の現金自動預け払い機市場は高い成長軌道にあり、銀行や金融機関は変化する顧客ニーズに対応するため、革新的なソリューションへの投資を続けています。
セルフ窓口端末(VTM)は、一般にインタラクティブテラーマシンと呼ばれています。これは、遠隔バンキングサービスを従来の現金自動預け払い機と組み合わせたハイブリッド機器で、顧客はビデオ会議を通じて遠隔地にいる窓口係と連携しながら、資金移動や口座照会、小切手の換金、入出金など、さまざまな金融活動を行うことができます。セルフ窓口端末(VTM)は、パーソナライズされたインタラクティブなバンキング体験を提供することができ、多くの場合、セキュリティ機能を追加するために、インタラクティブなタッチスクリーン、文書スキャン、生体認証を備えています。
セルフ窓口端末(VTM)市場の主な促進要因の1つは、デジタルバンキングの導入が進み、便利なセルフサービス・バンキングへの関心が急速に高まっていることです。セルフ窓口端末(VTM)は、従来の支店に比べ安価なソリューションです。使いやすいインターフェイスから、現金の入出金、口座残高の確認、送金などができるオールインワンバンキングを提供できます。セルフ窓口端末(VTM)は、ビデオ会議や生体認証を統合し、パーソナライズされたバンキング体験を提供すると同時に、物理的な支店インフラを最小限に抑えることができます。このようなバーチャル・バンキングへのシフトは、顧客の利便性を高めると同時に、金融機関がリソースを最適化し、サービスの行き届いていない地域にまでサービスを拡大するのに役立っています。デジタル環境が発展し続けるにつれ、セルフ窓口端末(VTM)はバンキング・エコシステムそのものに組み込まれ、絶えず変化する嗜好や現代消費者の高まる期待に応えていくとみられています。
当レポートでは、世界のセルフ窓口端末(VTM)市場について調査し、市場の概要とともに、展開別、プロバイダー別、オファリング別、地域別動向、および市場に参入する企業のプロファイルなどを提供しています。
Global virtual teller machine market is projected to witness a CAGR of 12.30% during the forecast period 2024-2031F, growing from USD 1.90 billion in 2023 to USD 4.79 billion in 2031F. The virtual teller machine market is booming due to the increase in demand for easy and fast banking services. An increase in the use of digital banking channels has contributed to the trend where customers are attracted by easier and more approachable banking channels. Virtual teller machines inexpensively extend banking services to a large customer base, especially in underserved areas. Technologies such as Artificial Intelligence (AI) and biometric technology when integrated with virtual teller machines make them more efficient and user-friendly. Moreover, governments have played an important role in reinforcing financial inclusion through initiatives such as access to equal financial services among all citizens. These factors are leading the global virtual teller machine market on a high growth trajectory, with banks and financial institutions continuing to invest in innovative solutions to meet changing customer needs.
The virtual teller machine, more commonly known as the interactive teller machine. It is a hybrid device that combines remote banking services with traditional automated teller machines, that allow customers to perform a variety of financial activities such as fund transfers and account inquiries, encashing cheques, make deposits, and withdrawals in coordination with a remotely located tellers via video conferencing. Virtual teller machines can provide personalized interactive banking experiences and are often equipped with interactive touchscreens, document scanning, and biometric authentication to add security features.
On 29th February 2024, United Arab Emirates Bank collaborated with Emerico to enhance their in-branch customer service. This was enabled by the third-generation X-series Virtual Teller Machine and Alexis Digital Transformation Platform offered by Emerico. It helps the bank to offer smooth automated and interactive customer service, improve operational efficiency, and lower costs while assuring a quality experience.
Increasing Adoption of Digital Banking to Drive Market Growth
One of the major drivers of the virtual teller machine market is the increasing adoption of digital banking and rapidly growing interest in convenient and self-service banking. Virtual teller machines are an inexpensive solution compared to conventional branches. They can offer all-in-one banking that allows consumers to deposit and withdraw cash, check account balances, transfer funds, and more from a user-friendly interface. Virtual teller machines integrate video conferencing and biometric authentication to provide a personalized banking experience while at the same time keeping the physical branch infrastructure at a minimum. This shift in virtual banking enhances customer convenience and aids financial institutions in optimizing resources to extend their services to unserved pockets. As the digital environment continues to develop virtual teller machines will integrate further into the very fabric of the banking ecosystem, catering to the ever-changing preferences and rising expectations of the modern consumer.
Government Initiatives to Propel Market Growth
Various governments across the globe are channeling efforts towards digitalization of financial sector through investments, hence increasing the deployment of virtual teller machine devices. Governments are opening to the idea of digitization of financial services due to its spillover effects on the economy and society. Greater financial inclusion through digital channels facilitates the extension of financial services to underserved populations, hence driving economic development by reducing inequality. The real-time data and analytics possible with digital financial systems will be instrumental in providing worthwhile insights to the government in both policymaking and targeting public welfare programs.
On-site Segment to Dominate the Market
On-site segment is expected to dominate the global virtual teller market. Government initiatives and emphasis on digitalizing the banking sector, coupled with the modernization of banking infrastructure, are some major factors leading to this growth. On-site deployment of virtual teller machines is gaining momentum as financial institutions adopt digital banking technologies to enhance customer convenience and operational efficiency. Governments of different regions are encouraging the digitalization of banking processes, thereby providing a boost to the on-site deployment of virtual teller machines. Moreover, the modernization of banking infrastructure, which involves the upgradation and integration of advanced technologies, is backing the growth leadership of the on-site deployment segment in the global virtual teller market.
Banking Segment Dominates the Market
The banking segment is expected to dominate the application segment. The banking industry has been at the forefront of using the latest data and analytics tools, therefore it is in an advantageous position to leverage the overall capabilities of the virtual teller machine. These advanced tools would allow banks to gain insight into their customers' behavior, improve their operations, and hence offer better service to clients. Furthermore, initiatives concerning building digital platforms and strengthening artificial intelligence taken by governments in the banking sector have been driving growth to a great extent. These efforts have further empowered banks to undertake process rationalization, improve customer experience, and thereby help bring down operational costs through virtual teller machines. With banks continuing to bring in digital transformation and incorporating state-of-the-art technologies, the banking segment remains in the lead.
In April 2024, J&K Bank collaborated with Paymart India to introduce the Virtual ATM facility. Customers can withdraw cash from the merchant through their mobile banking application. It is intended to increase the convenience of banking services, especially in Jammu & Kashmir and Ladakh.
North America has the Largest Market Share
North America has been the largest virtual teller machine market globally. This can be attributed to the ongoing technological developments in the business sector, its well-established banking infrastructure, and government policies that encourage acceptance of digital banking solutions. The banks in the United States, in particular, have been interested in the active deployment of virtual teller machines, which offer user-friendly features to render convenience and remote banking experience to customers. Advanced technologies in banking are increasingly becoming popular, especially since the COVID-19 pandemic, further fueling the demand for virtual teller machines in North America. Also, the well-developed financial sector in North America and policy decisions that promote digital banking are the major factors driving the virtual teller machine market growth.
Future Market Scenario (2024 -2031F)
The virtual teller machine market is poised to grow at an exponential rate due to the advancement in technology and a shift in consumer preference.
Next-generation features, such as video conferencing and biometric authentication, will further power the user experience, greatly boosting adoption rates.
The virtual teller machine market will be boosted further by the increasing demand for remote banking services, more so where the density of physical banking infrastructure is low.
Moreover, advanced security features and integration of digital payment systems will enhance the reliability and efficiency of VTMs. With enhanced VTMs, the market is likely to create new opportunities for financial institutions and technology providers in innovation and customer engagement.
Key Players Landscape and Outlook
The global virtual teller machines market will exhibit tremendous growth, driven by innovations in technology and the rising adoption of digital banking solutions. The major participants across the market are prioritizing the development of advanced VTMs with enhanced capabilities to gain an upper hand over other market participants.
The degree of competition among the existing players is high, with all players aiming to gain a better position in the marketplace. Leading financial technology companies, banking equipment manufacturers, and solution providers are stepping up their research and development activities to further enhance their product offerings in banking technology. Key players in virtual teller machine market need to concentrate on customer experience, security improvement, and other emerging technologies such as AI and machine learning to be able to stay in the competitive market.
Major French banking group BPCE has partnered with Huawei to facilitate the enhancement of its digital infrastructure. The bank aims to offer cloud-based service platforms and new advanced offerings in agencies, such as virtual teller machines.
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.