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市場調査レポート
商品コード
1773197
保険におけるE-KYCの世界市場:オファリング別、展開モード別、保険タイプ別、エンドユーザー別、地域別、機会、予測、2018年~2032年Global E-KYC in Insurance Market Assessment, By Offering, By Deployment Mode, By Insurance Type, By End-user, By Region, Opportunities and Forecast, 2018-2032F |
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カスタマイズ可能
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保険におけるE-KYCの世界市場:オファリング別、展開モード別、保険タイプ別、エンドユーザー別、地域別、機会、予測、2018年~2032年 |
出版日: 2025年07月21日
発行: Markets & Data
ページ情報: 英文 230 Pages
納期: 3~5営業日
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世界の保険におけるE-KYCの市場規模は、10.11%のCAGRで拡大すると予測され、2024年の1億2,087万米ドルから2032年には2億6,118万米ドルに成長する見込みです。保険契約のオムニチャネル流通に対する需要の高まり、本人確認やマネーロンダリング防止コンプライアンスに関する規制当局の監視の強化、サービスが行き届いていない地域や農村部の消費者に保険へのアクセスを提供したいという要望など、いくつかの要因がこの勢いを後押ししています。保険会社は、セキュリティとコンプライアンスを確実に維持しながら、摩擦のないオンボーディング・エクスペリエンスを実現するために業務を更新することが課題となっています。
保険会社がオンボーディング・プロセスのデジタル化、顧客体験の向上、法規制コンプライアンスの改善に努める中、保険市場における世界なE-KYCは急速なデジタル進化を遂げつつあります。デジタル経済における記録的なレベルの変化、迅速かつペーパーレスな購入プロセスに対する顧客の期待の変化、詐欺やマネーロンダリングによるリスクを軽減するために厳格な本人確認を指示する規制環境により、保険会社はデジタルIDプロバイダーへの多額の投資を目の当たりにしています。デジタルIDは、文書検証、生体認証、およびリスク・スコアリングのソリューションをリアルタイムで提供する進化した技術であり、数日ではなく数分で本人確認が可能です。これにより、新規加入時の離脱率が効果的に低下し、顧客満足度の向上につながります。
例えば、2025年2月、Emirates Cooperative Insurance(ECI)は、ブロックチェーン・ベースのフレームワークを試験的に導入するKYCコンソーシアムに参加しました。このコンソーシアムは、安全なデジタルIDデータとクレデンシャルをメンバーとリアルタイムで共有するために設立されました。データの完全性を検証し、規制要件を遵守しながら、保険会社がオンボーディングにおける摩擦を軽減するための新たなアプローチを確立しただけでなく、コンソーシアムベースの相互運用性とエコシステムによる効率性の最適化の重要性を実証しました。
当レポートでは、世界の保険におけるE-KYC市場について調査し、市場の概要とともに、オファリング別、展開モード別、保険タイプ別、エンドユーザー別、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 E-KYC in Insurance market is projected to witness a CAGR of 10.11% during the forecast period 2025-2032, growing from USD 120.87 million in 2024 to USD 261.18 million in 2032F, driven by heightened demands for secure, personalized, and frictionless onboarding experiences in an increasing digital insurance ecosystem. Several factors are driving this momentum, including the growing demand for omnichannel distribution of insurance policies, heightened regulatory scrutiny regarding identity verification and anti-money laundering compliance, and the desire to provide insurance access to consumers in underserved areas or rural populations. Insurance companies are being challenged to update their operations to create a frictionless onboarding experience while ensuring they maintain security and compliance.
The global E-KYC in the insurance market is undergoing rapid digital evolution as insurers strive to digitize onboarding processes, enhance customer experiences, and improve regulatory compliance. With record levels of change in the digital economy, a shift in customer expectations for fast, paperless purchase processes, and a regulatory environment that dictates strict identity verification to mitigate risk from fraud and money laundering, insurance is witnessing significant investment in digital identity providers. Digital identity is an evolving technology that offers solutions for document validation, biometric recognition, and risk scoring in real-time, enabling identity verification in minutes rather than days. This effectively reduces drop-off rates during the onboarding journey and leads to higher customer satisfaction scores.
For example, in February 2025, Emirates Cooperative Insurance (ECI) joined a KYC consortium piloting a blockchain-based framework. The consortium was established to share secure digital identity data and credentials in real-time with members. Not only did it establish a new approach for insurers to reduce friction in onboarding, while verifying data integrity and complying with regulatory requirements, but it also demonstrated the importance of consortium-based interoperability and optimizing efficiencies through ecosystems.
Rising AMC Compliance Drives Global E-KYC in Insurance Market
Across the world, regulations are tightening, such as AML, FATF recommendations, and data protection directives. Insurers are shifting towards electronic, auditable identity procedures, as manual KYC procedures are often too time-consuming, error-prone, and complex to trace, and insurers face scrutiny while establishing their client onboarding procedures because manual processes also carry risk. E-KYC platforms support structured workflows within onboarding processes, automate liveness verification of biometrics for reliable identification, and automate the screening of individuals against sanctions, substantially reducing compliance risk and operational cash costs. Competitively, e-KYC platforms provide international insurance companies and brokers with the confidence to meet multi-jurisdictional compliance policies and frameworks, without compromising customer onboarding speed or user experience.
In March 2025, Processa Technologies was awarded a co-funded grant by Enterprise Estonia (EIS) and the Ministry of Economic Affairs and Communications (Republic of Estonia) for the development of a Real-time Economy solution aimed at revolutionizing Know Your Customer (KYC) processes and Anti-Money Laundering (AML) compliance for the insurance industry. The new solution, called KYC FlowEngine, is specifically designed for insurance companies, insurance brokers, or third-party insurance agents that are not exempt from the provisions of the Financial Supervision Act regarding KYC and AML regulations for onboarding customers.
Reduction in Fraud through AI and Digital Routes
Insurance fraud is not a passing trend, encompassing a range of offenses, from identity theft to false claims. However, digital onboarding can help mitigate fraud by utilizing AI-based risk engines, identity verification, and continuous monitoring throughout the onboarding process. When E-KYC platforms are integrated into customer journeys, they can identify suspected abuse, enable multi-channel/device checks, quarantine or automatically lock high-risk accounts, or alert the relevant authorities. This contributes to a safe and seamless customer experience, providing technology that enables insurers to monitor fraud rather than retroactively address it.
For example, in March 2025, Persona identities Inc. unveiled the next evolution of their unified KYC-KYB platform that will fight against complex fraud during business onboarding and through the business life cycle, which provides unparalleled insights into both businesses and the individuals behind them for the detection of fraud that is more effective than single-focus solutions. The rise in business fraud presents significant challenges across various industries, ranging from marketplace merchant fraud to fraud in fintech applications.
Software Category Leads the Global E-KYC in Insurance Market Share
In the E-KYC market for insurance, software solutions are preferred over services because insurers seek scalable, no-code/low-code platforms that are compliant with existing policy management systems. Additionally, software products can be implemented on-premises, in the cloud, or a hybrid environment, offering a range of processing capabilities, including biometric capture, document validation, digital ID capture, and risk screening. While E-KYC platforms support various lines of coverage, including life and health, auto, and travel, their configuration is well-suited for both large and well-established carriers, as well as smaller, fast-moving insurtechs. The modularity of cloud-based E-KYC solutions enables insurers to adapt quickly to changes in regulatory requirements and evolving market standards.
Moreover, many E-KYC software platforms have enhanced dashboards and case management capabilities to provide insurers not only with compliance but also with operational intelligence about how they are sourcing customers. Insurers can set the rules, automate risk thresholds, and audit their processes in real time. In March 2025, Papaya Global and Sumsub announced their partnership, whereby Sumsub will support Papaya Global with AI-powered automated solutions for secure verification and fraud prevention, while prioritizing velocity, accuracy, and compliance requirements. Leveraging a combined partner ecosystem, such as Papaya Global and Subsub, ensures that businesses pay people worldwide in compliance with regulatory guidelines.
Asia-Pacific Dominates the Global E-KYC in Insurance Market Size
The Asia-Pacific is the leader in E-KYC adoption in the insurance sector. This is primarily due to the ubiquitous mobile penetration, advanced digital ID systems, and regulatory leadership in adopting progressive regulations. Countries including India, Singapore, and the UAE have adopted e-KYC frameworks, which embrace concepts such as Aadhaar e-KYC and bank e-KYC. APAC insurers are aggressively deploying biometric onboarding and the ability to interface with digital insurance wallets.
For instance, in April 2025, MNT Halan secured regulatory approval in Egypt to deploy e-KYC and digital contract infrastructures, mirroring the broader movement in the greater Middle East and North Africa towards streamlined, identity-enabled insurance services. With regulatory support, overall consumer demand for the transformation of commercial viability through inclusion, and increased demand for digital-first insurance services across sectors, the APAC region remains a critical market for global E-KYC solution providers.
Key Players Landscape and Outlook
The E-KYC in the insurance market is supported by a variety of technology providers, as well as larger identity solutions companies. There are several leading providers in space (Jumio, Socure, IDnow, GB Group, Mitek, AU10TIX, Trulioo, Entrust, etc.), and they support advanced identity verification features such as biometric authentication, identity document verification, and global watch list screening. These vendors support insurers and insurtech platforms with APIs and SDKs that can be integrated into the digital onboarding journey.
In April 2024, Entrust Corporation acquired Onfido to develop a single, integrated identity platform for security, highlighting the trend toward single, integrated end-to-end onboarding solutions for digital onboarding in insurance. This acquisition allows Entrust to develop integrated identity assurance technology for insurers, including device fingerprinting, liveness detection and risk models, based on deep learning.
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.