ATMの日本市場の評価：タイプ別、ソリューション別、用途別、地域別、機会、予測（2018年度～2032年度）

日本のATMの市場規模は、2023年度の24億1,000万米ドルから2032年度に36億7,000万米ドルに達すると予測され、2025年度～2032年度の予測期間にCAGRで5.41％の成長が見込まれます。日本のATM市場のような要因は、デジタル決済システムへ向かう世界の動向にもかかわらず、高度に現金主義的な経済を含みます。外国人観光客が多いことから、多くのATMは外国人観光客の日常的な取引を支援するため、多言語対応ソフトウェアを備えています。これらの機械に搭載された新しい技術は、スマートATMから生体認証に至るまで、セキュリティとユーザーエクスペリエンスを変えてきました。モバイルATMは、もっとも遠い地域や災害の多い地域での銀行へのアクセスを向上させるために提供されている一方、都市化によって人口密集地での需要が高まっています。

デジタル決済の利用は世界的に拡大していますが、日本では現金への依存度が高く、取引の60％超が現金ベースであるため、ATMの需要は引き続き高まっています。また、インバウンド観光客の増加により、現地のデジタル決済システムを利用することに課題や難しさを感じ、現金を好む外国人観光客によるATMの利用が増加しています。こうした点で、ATMは現在、こうした観光客に対応するため、多言語対応ソフトウェアを備えています。さらに、技術革新はATMの利用をさらに増加させます。スマートATM、モバイルATM、顔認証やバイオメトリクス認証などのセキュリティ機能は、老朽化した機械に取って代わる利便性とセキュリティの要素をさらに重視しています。また、日本では「おもてなし」の概念がATM市場の成長を大きく後押ししています。この文化的価値は、きめ細かな心配りと配慮をもってニーズを予測し、それに応えることを強く示しています。ATMにおける「おもてなし」とは、先進の技術と使いやすい機能を通じて優れたカスタマーサービスを提供することです。

例えば2024年2月、フィンテック企業であるDigital Wallet Corp.は、Seven Bank Ltd.の国外送金サービスであるSeven Global Remit Ltd.を買収しました。この買収により、DWCのSmiles Mobile RemittanceアプリのユーザーはSeven BankのATMネットワークを利用できるようになります。日本で働く外国人労働者は、日本国内にある5万台を超えるATMを利用し、母国に送金を行うことができます。

当レポートでは、日本のATM市場について調査分析し、市場規模と予測、市場力学、主要企業の情勢などを提供しています。

目次

第1章 調査手法

第2章 プロジェクトの範囲と定義

第3章 エグゼクティブサマリー

第4章 顧客の声

• 製品と市場情報
• ブランド認知の方式
• 購入決定において考慮される要素
  • 機能とその他の付加価値サービス
  • ITインフラの互換性
  • ソリューションの効率
  • アフターサポート
• プライバシーと規制の考慮

第5章 日本のATM市場の見通し（2018年度～2032年度）

• 市場規模と予測
  • 金額
• タイプ別
  • 従来型ATM
  • ブラウンラベルATM
  • ホワイトラベルATM
  • スマートATM
  • キャッシュディスペンサー
• ソリューション別
  • 展開
  • マネージドサービス
• 用途別
  • 商業
  • 住宅
  • 政府
• 地域別
  • 北部（北海道、東北）
  • 中部（関東、中部）
  • 南部（関西、中国、四国、九州、沖縄）

第6章 需給分析

第7章 輸入と輸出の分析

第8章 バリューチェーン分析

第9章 ポーターのファイブフォース分析

第10章 PESTLE分析

第11章 マクロ経済指標

第12章 価格分析

第13章 市場力学

• 市場促進要因
• 市場の課題

第14章 市場の動向と発展

第15章 ケーススタディ

第16章 競合情勢

• マーケットリーダー上位5社の競合マトリクス
• 上位5社のSWOT分析
• 主要企業上位10社の情勢
  • Fujitsu Limited
  • Nautilus Hyosung Corporation
  • Diebold Nixdorf, Incorporated
  • Hitachi Ltd.
  • GRG Banking Equipment Co., Ltd.
  • OKI Electric Industry Co., Ltd.
  • Japan Cash Machine Co., Ltd.
  • NCR Corporation
  • Laurel Bank Machines Co., Ltd.
  • Seven Bank Ltd.

第17章 戦略的推奨

第18章 当社について、免責事項

List of Tables

• Table 1. Pricing Analysis of Products from Key Players
• Table 2. Competition Matrix of Top 5 Market Leaders
• Table 3. Mergers & Acquisitions/ Joint Ventures (If Applicable)
• Table 4. About Us - Regions and Countries Where We Have Executed Client Projects

List of Figures

• Figure 1. Japan Automated Teller Machine Market, By Value, In USD Billion, FY2018-FY2032F
• Figure 2. Japan Automated Teller Machine Market Share (%), By Type, FY2018-FY2032F
• Figure 3. Japan Automated Teller Machine Market Share (%), By Solution, FY2018-FY2032F
• Figure 4. Japan Automated Teller Machine Market Share (%), By Application, FY2018-FY2032F
• Figure 5. Japan Automated Teller Machine Market Share (%), By Region, FY2018-FY2032F
• Figure 6. By Type Map-Market Size (USD Billion) & Growth Rate (%), FY2024
• Figure 7. By Solution Map-Market Size (USD Billion) & Growth Rate (%), FY2024
• Figure 8. By Application Map-Market Size (USD Billion) & Growth Rate (%), FY2024
• Figure 9. By Region Map-Market Size (USD Billion) & Growth Rate (%), FY2024

Japan automated teller machine market is projected to witness a CAGR of 5.41% during the forecast period FY2025-FY2032, growing from USD 2.41 billion in 2023 to USD 3.67 billion in FY2032. Factors such as Japan ATM market, including the highly cash-based economy, despite the global trend towards digital payment systems. Large numbers of international tourists have meant that many ATMs are fitted out with multi-language software to assist foreign visitors in everyday transactions. Newer technologies in these machines have changed security and user experience, from smart ATMs to biometric authentication. Mobile ATMs are being provided to increase access to banking in the most remote and disaster-prone areas, while urbanization increases demand within densely populated areas.

Although the use of digital payments is growing around the world, the high reliance on cash in Japan, more than 60% of transactions are cash-based, continuing to drive demand for ATMs. In addition, the growth in inbound tourism has led to greater usage of ATMs by international visitors who experience challenges and difficulties with using local digital payment systems and thus prefer cash. In these respects, the ATMs now have multilingual software to accommodate such tourists. Technological innovations, moreover, further increase the use of ATMs. Smart ATMs, mobile ATMs, and security features, such as face-to-face recognition and biometrics authentication, further focus on factors of convenience and security that replace obsolete machines. Also, in Japan, the concept of Omotenashi, which embodies the spirit of exceptional hospitality and attentiveness, significantly drives the growth of the ATM market. This cultural value emphasizes anticipating and meeting the needs with meticulous care and consideration. In the context of ATMs, Omotenashi translates into offering superior customer service through advanced technology and user-friendly features.

For instance, in February 2024, Digital Wallet Corp., a fintech company, acquired Seven Bank Ltd.'s international money transfer service Seven Global Remit Ltd. With this acquisition, DWC's Smiles Mobile Remittance app users will have access to Seven Bank's ATM network. Foreign workers in Japan can access more than 50,000 ATMs in the country to send remittances back home.

Impact of Tourism on Japan ATM Market Growth

Japan ATM market sees a considerable contribution to its growth from the vast tourism industry. The country, with its growing influx of international tourists, sees many travelers depending heavily on an ATM for cash withdrawals, mainly when any local digital pay systems don't support their mobile phones. ATMs are a convenient way to obtain Japanese yen directly from a home bank account. In most situations, the rates are more favorable than traditional currency exchange counters, whereby tourists can go on vacation with less cash. Also, quite a few Japanese ATMs are multilingual, supporting at least three languages, English, Chinese, and Korean, for international visitors' convenience. These high-security standards include biometric authentication and anti-skimming features that further reassure tourists about the safety of their transactions. Thus, this combination of accessibility, convenience, and security makes ATMs part of the basic tourism infrastructure in Japan.

For instance, in March 2024, over 3 million foreigners visited Japan, breaking the record for the most inbound tourists within a single month, according to the Japan National Tourism Organization (JNTO).

Rising Technological Advancements to Drive Market Growth

Japan ATM market has undergone changes regarding technological development, including the introduction of biometric authentication, fingerprint, and palm vein scanning for added security against unauthorized access and improvement in user experience. ATMs have now been introduced, allowing users to interact with bank tellers using video conferencing to perform more personal or complex transactions. Integration of IoT and AI further brings efficiency and improvement in performance, enabling real-time monitoring and predictive maintenance to minimize downtime. Furthermore, smart ATMs have been introduced to cater to users with special needs by providing voice guidance and touch screens displaying larger fonts to ensure greater accessibility and inclusivity in banking services.

For instance, in August 2024, OKI Circuit Technology launched a new ultra-high-multilayer PCB production line at its Joetsu Plant in Niigata Prefecture, beginning full operations. The new PCBs are designed for semiconductor manufacturing and testing, catering to AI, data centers, and next-gen communication networks. It supports a high precision via a pitch of 0.23 mm and boosts production capacity by about 1.4 times, allowing for a wider variety of products in smaller quantities.

On-site ATM to Dominate Market Share

On-site ATMs are the most available and accessible machines in Japan. They were placed at convenience stores, banks, shopping centers, post offices, train and bus stations, and airport terminals for the public to access them at any time. Notably, most of the on-site ATMs, specifically those at major convenience store chains, such as 7-Eleven and Family Mart, and even at post offices, accept international cards. Services are quite frequently available in multiple languages, including English. It greatly opens their access to natives and international visitors. Furthermore, the advantage of ATMs based in convenience stores includes the fact that these operate on a 24-hour basis, which further facilitates convenience for anyone who needs it. This broad and stable reach has made on-site ATMs the most favored choice in Japan.

For instance, in August 2024, convenience store ATM operators are expanding their reach beyond stores to include regional banks, supermarkets, and hospitals as traditional banks cut costs by removing their ATMs. Seven Bank and Lawson Bank are leading this expansion, with Seven Bank replacing some Fukui Bank ATMs and planning to operate around 500 ATMs with partner banks by March next year. This shift is enhancing the role of convenience store ATMs as vital social infrastructure, offering features such as cash deposits for payment apps and improving overall user convenience.

Central Region Dominates ATM Market

The Central region, which includes the Kanto region that houses Tokyo, highly dominates the market for ATMs due to its highly dense population and vibrant economic activity. Therefore, Tokyo, being the capital, has the highest concentration of ATMs found on each block corner in convenience stores, banks, post offices, train stations, and shopping areas to meet the demand for locals and tourist influx. In turn, Yokohama is a port city with high density in commercial areas and transportation hubs. Besides, due to its proximity to Tokyo and Narita International Airport, Chiba hosts several ATMs for citizens' needs and international travelers.

For instance, SMBC ATMs are conveniently located throughout Japan, especially in major cities such as Tokyo, Osaka, Nagoya, and Kyoto. They are found in high-traffic areas such as major train stations, including JR and subway stations, making it easy for travelers to withdraw cash on the go. Additionally, SMBC ATMs are situated in large shopping centers and malls, ensuring easy access to cash while shopping.

Future Market Scenario (FY2025 - FY2032F)

The integration of advanced technologies such as biometric authentication, contactless transactions, and enhanced security features is expected to continue. These innovations will make ATMs more secure and user-friendly, encouraging the replacement of older machines.

Development and deployment of mobile ATMs are expected to drive growth in the market. These are quite useful in remote locations and during the occurrence of a natural calamity, when most ATMs may not be accessible for offering essential banking services.

More foreign visitors to Japan would, therefore, automatically mean more multilingual ATMs and machines accepting overseas cards. This could imply more ATM installations in tourist areas.

The extensive use of cash for payments in Japan notwithstanding, the government is contemplating going cashless in the times to come.

Key Players Landscape and Outlook

There is fierce competition among domestic and international players in the Japanese market, each trying to use some unique strength to win a market share. These are attributed to a great deal of technological innovation for which many firms have invested intensively in R&D in advanced features such as biometric authentication, contactless transactions, and other additional security measures. Differentiation through full-service support becomes crucial. Many vendors are making their products more viable by offering extensive managed services, including maintenance and cash management services that make the ATMs highly reliable and well-supported. With technological foresight added to strong service support, Japan ATM market will wear a dynamic and competitive environment.

In September 2024, Fujitsu Limited and MoBagel Inc. announced that Fujitsu provided AI technology from its Fujitsu Kozuchi service for use in Decanter AI, an AutoML platform developed by US-based AI startup MoBagel Inc. This new solution, designed to accelerate AI-driven predictions, will be available globally starting in September and is born out of a strategic partnership between the two companies.

In August 2024, Diebold Nixdorf announced that it is the first ATM solution provider ready to support the Microsoft Windows 11 IoT Enterprise LTSC 2024 operating system. It includes a range of new features that enhance security, speed, and usability for financial institutions and is available for order today with any DN Series device equipped with the latest processor.

Table of Contents

1. Research Methodology

2. Project Scope and Definitions

3. Executive Summary

4. Voice of Customer

• 4.1. Product and Market Intelligence
• 4.2. Mode of Brand Awareness
• 4.3. Factors Considered in Purchase Decisions
  • 4.3.1. Features and Other Value-added Service
  • 4.3.2. IT Infrastructure Compatibility
  • 4.3.3. Efficiency of Solutions
  • 4.3.4. After-sales Support
• 4.4. Consideration of Privacy and Regulations

5. Japan Automated Teller Machine Market Outlook, FY2018-FY2032F

• 5.1. Market Size & Forecast
  • 5.1.1. By Value
• 5.2. By Type
  • 5.2.1. Conventional ATM
  • 5.2.2. Brown Label ATM
  • 5.2.3. White Label ATM
  • 5.2.4. Smart ATM
  • 5.2.5. Cash Dispensers
• 5.3. By Solution
  • 5.3.1. Deployment
    • 5.3.1.1. On-site ATM
    • 5.3.1.2. Office ATM
    • 5.3.1.3. Worksite ATM
    • 5.3.1.4. Mobile ATM
  • 5.3.2. Managed Services
• 5.4. By Application
  • 5.4.1. Commercial
  • 5.4.2. Residential
  • 5.4.3. Government
• 5.5. By Region
  • 5.5.1. North [Hokkaido and Tohoku]
  • 5.5.2. Central [Kanto and Chubu]
  • 5.5.3. South [Kansai, Chugoku, Shikoku, Kyushu, Okinawa]

6. Demand Supply Analysis

7. Import and Export Analysis

8. Value Chain Analysis

9. Porter's Five Forces Analysis

10. PESTLE Analysis

11. Macro-economic Indicators

12. Pricing Analysis

13. Market Dynamics

• 13.1. Market Drivers
• 13.2. Market Challenges

14. Market Trends and Developments

15. Case Studies

16. Competitive Landscape

• 16.1. Competition Matrix of Top 5 Market Leaders
• 16.2. SWOT Analysis for Top 5 Players
• 16.3. Key Players Landscape for Top 10 Market Players
  • 16.3.1. Fujitsu Limited
    • 16.3.1.1. Company Details
    • 16.3.1.2. Key Management Personnel
    • 16.3.1.3. Products and Services
    • 16.3.1.4. Financials (As Reported)
    • 16.3.1.5. Key Market Focus and Geographical Presence
    • 16.3.1.6. Recent Developments/Collaborations/Partnerships/Mergers and Acquisition
  • 16.3.2. Nautilus Hyosung Corporation
  • 16.3.3. Diebold Nixdorf, Incorporated
  • 16.3.4. Hitachi Ltd.
  • 16.3.5. GRG Banking Equipment Co., Ltd.
  • 16.3.6. OKI Electric Industry Co., Ltd.
  • 16.3.7. Japan Cash Machine Co., Ltd.
  • 16.3.8. NCR Corporation
  • 16.3.9. Laurel Bank Machines Co., Ltd.
  • 16.3.10. Seven Bank Ltd.

Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work.

17. Strategic Recommendations

18. About Us and Disclaimer