カードレスATM市場規模、シェア、成長分析、場所別、技術別、エンドユーザー別、地域別 - 産業予測 2025年～2032年

カードレスATMの世界市場規模は2023年に32億米ドルと評価され、2024年の35億7,000万米ドルから2032年には85億2,000万米ドルに成長し、予測期間（2025-2032年）のCAGRは11.5％で成長する見通しです。

カードレスATM市場は、モバイルバンキング需要の高まり、非接触型取引の普及、新興国市場におけるATMネットワークの拡大などを背景に大きく成長しています。スマートフォンの普及に伴い、銀行はATMシステムにモバイルアプリケーションをシームレスに統合し、カードレス取引を促進しています。タッチフリーの金融取引に対する消費者の嗜好の高まりが、この動向をさらに後押ししています。新興市場、特にアジア太平洋、アフリカ、ラテンアメリカでは銀行インフラが強化されつつあり、カードレスATMへの需要が高まっています。同時に、政府や規制当局の支援策がデジタルバンキングへの移行を促進しています。しかし、消費者の認知度の低さ、導入コストの高さ、サイバーセキュリティのリスク、農村部のインフラの未整備といった課題が、市場普及と成長見通しの妨げになる可能性があります。

目次

イントロダクション

• 調査の目的
• 調査範囲
• 定義

調査手法

• 情報調達
• 二次と一次データの方法
• 市場規模予測
• 市場の前提条件と制限

エグゼクティブサマリー

• 世界市場の見通し
• 供給と需要の動向分析
• セグメント別機会分析

市場力学と見通し

• 市場概要
• 市場規模
• 市場力学
  • 促進要因と機会
  • 抑制要因と課題
• ポーターの分析

主な市場の考察

• 重要成功要因
• 競合の程度
• 主な投資機会
• 市場エコシステム
• 市場の魅力指数（2024年）
• PESTEL分析
• マクロ経済指標
• バリューチェーン分析
• 価格分析

カードレスATM市場規模：場所別& CAGR（2025-2032）

• 市場概要
• 館内ATM
• オフサイトATM
• その他

カードレスATM市場規模：技術別& CAGR（2025-2032）

• 市場概要
• 近距離無線通信（NFC）
• クイックレスポンス（QR）コード
• 生体認証

カードレスATM市場規模：エンドユーザー別& CAGR（2025-2032）

• 市場概要
• 銀行・金融機関
• 独立系ATM導入企業

カードレスATM市場規模：地域別& CAGR（2025-2032）

• 北米
  • 米国
  • カナダ
• 欧州
  • ドイツ
  • スペイン
  • フランス
  • 英国
  • イタリア
  • その他欧州地域
• アジア太平洋地域
  • 中国
  • インド
  • 日本
  • 韓国
  • その他アジア太平洋地域
• ラテンアメリカ
  • ブラジル
  • その他ラテンアメリカ地域
• 中東・アフリカ
  • GCC諸国
  • 南アフリカ
  • その他中東・アフリカ

競合情報

• 上位5社の比較
• 主要企業の市場ポジショニング（2024年）
• 主な市場企業が採用した戦略
• 最近の市場動向
• 企業の市場シェア分析（2024年）
• 主要企業の企業プロファイル
  • 企業の詳細
  • 製品ポートフォリオ分析
  • 企業のセグメント別シェア分析
  • 収益の前年比比較（2022-2024年）

主要企業プロファイル

• NCR Corporation（USA）
• Fujitsu（Japan）
• Hitachi Payment Services（India）
• Diebold Nixdorf（USA）
• GRG Banking（China）
• Citigroup Inc.（USA）
• JPMorgan Chase & Co.（USA）
• Wells Fargo（USA）
• Barclays Bank PLC（UK）
• HSBC Bank A.S.（Turkey）
• Santander Group（Spain）
• ICICI Bank Ltd.（India）
• Axis Bank（India）
• State Bank of India（SBI）（India）
• HDFC Bank（India）
• Kotak Bank（India）
• Bank of Baroda（India）
• Fiserv（USA）
• Empays Payment Systems（India）

結論と提言

Global Cardless ATM Market size was valued at USD 3.2 billion in 2023 and is poised to grow from USD 3.57 billion in 2024 to USD 8.52 billion by 2032, growing at a CAGR of 11.5% during the forecast period (2025-2032).

The market for cardless ATMs is experiencing significant growth driven by the rising demand for mobile banking, the widespread adoption of contactless transactions, and the expansion of ATM networks in developing regions. As smartphones proliferate, banks are seamlessly integrating mobile applications with ATM systems to facilitate cardless transactions. The increasing consumer preference for touch-free financial interactions further supports this trend. Emerging markets, particularly in Asia-Pacific, Africa, and Latin America, are enhancing their banking infrastructure, leading to greater demand for cardless ATMs. Concurrently, supportive government and regulatory initiatives foster the shift towards digital banking. However, challenges such as limited consumer awareness, high implementation costs, cybersecurity risks, and inadequate rural infrastructure may hinder market penetration and growth prospects.

Top-down and bottom-up approaches were used to estimate and validate the size of the Global Cardless ATM market and to estimate the size of various other dependent submarkets. The research methodology used to estimate the market size includes the following details: The key players in the market were identified through secondary research, and their market shares in the respective regions were determined through primary and secondary research. This entire procedure includes the study of the annual and financial reports of the top market players and extensive interviews for key insights from industry leaders such as CEOs, VPs, directors, and marketing executives. All percentage shares split, and breakdowns were determined using secondary sources and verified through Primary sources. All possible parameters that affect the markets covered in this research study have been accounted for, viewed in extensive detail, verified through primary research, and analyzed to get the final quantitative and qualitative data.

Global Cardless ATM Market Segments Analysis

Global Cardless ATM Market is segmented by Location, Technology, End User and region. Based on Location, the market is segmented into On-site ATM, Off-site ATM and Others. Based on Technology, the market is segmented into Near-field Communication (NFC), Quick Response (QR) Codes and Biometric Verification. Based on End User, the market is segmented into Bank and Financial Institutions and Independent ATM Deployer. Based on region, the market is segmented into North America, Europe, Asia Pacific, Latin America and Middle East & Africa.

Driver of the Global Cardless ATM Market

The global cardless ATM market is primarily driven by their enhanced security features, which surpass those of conventional card-based systems and effectively address prevalent fraud issues such as card skimming and cloning. By removing the reliance on physical cards, cardless ATMs minimize the risks associated with magnetic strips and chip transactions. Utilizing advanced authentication techniques-such as biometrics, mobile tokens, and one-time passcodes-these innovative systems significantly elevate security measures. As a result, the demand for cardless ATMs is projected to grow, positively influencing the overall market outlook and encouraging widespread adoption among consumers and financial institutions alike.

Restraints in the Global Cardless ATM Market

Despite advancements in technology, consumer awareness regarding cardless ATM capabilities is limited in numerous areas. A significant portion of users lacks familiarity with mobile withdrawal methods, QR code usage, and biometric access at ATMs. This apprehension towards new technologies and the assumption that these processes are complicated can impede widespread acceptance. Additionally, older generations and individuals in rural settings tend to be particularly hesitant to transition from conventional ATM cards, which is anticipated to restrict the growth of cardless ATMs, as indicated by current market projections for this sector.

Market Trends of the Global Cardless ATM Market

The Global Cardless ATM market is witnessing a significant trend towards the deployment of cloud-based infrastructure, as banks and ATM manufacturers recognize the need for enhanced operational efficiency and customer engagement. This shift facilitates real-time transaction processing, centralized monitoring, and improved security measures, allowing financial institutions to respond swiftly to evolving customer expectations and regulatory frameworks. Cloud integration supports seamless mobile app connectivity, biometric authentication, and advanced fraud detection, ultimately enhancing user convenience and trust. As organizations embrace these technologies, the market is poised for rapid growth, driven by the demand for innovative, customer-centric banking solutions in an increasingly digital landscape.

Table of Contents

Introduction

• Objectives of the Study
• Scope of the Report
• Definitions

Research Methodology

• Information Procurement
• Secondary & Primary Data Methods
• Market Size Estimation
• Market Assumptions & Limitations

Executive Summary

• Global Market Outlook
• Supply & Demand Trend Analysis
• Segmental Opportunity Analysis

Market Dynamics & Outlook

• Market Overview
• Market Size
• Market Dynamics
  • Drivers & Opportunities
  • Restraints & Challenges
• Porters Analysis
  • Competitive rivalry
  • Threat of substitute
  • Bargaining power of buyers
  • Threat of new entrants
  • Bargaining power of suppliers

Key Market Insights

• Key Success Factors
• Degree of Competition
• Top Investment Pockets
• Market Ecosystem
• Market Attractiveness Index, 2024
• PESTEL Analysis
• Macro-Economic Indicators
• Value Chain Analysis
• Pricing Analysis

Global Cardless ATM Market Size by Location & CAGR (2025-2032)

• Market Overview
• On-site ATM
• Off-site ATM
• Others

Global Cardless ATM Market Size by Technology & CAGR (2025-2032)

• Market Overview
• Near-field Communication (NFC)
• Quick Response (QR) Codes
• Biometric Verification

Global Cardless ATM Market Size by End User & CAGR (2025-2032)

• Market Overview
• Bank and Financial Institutions
• Independent ATM Deployer

Global Cardless ATM Market Size & CAGR (2025-2032)

• North America (Location, Technology, End User)
  • US
  • Canada
• Europe (Location, Technology, End User)
  • Germany
  • Spain
  • France
  • UK
  • Italy
  • Rest of Europe
• Asia Pacific (Location, Technology, End User)
  • China
  • India
  • Japan
  • South Korea
  • Rest of Asia-Pacific
• Latin America (Location, Technology, End User)
  • Brazil
  • Rest of Latin America
• Middle East & Africa (Location, Technology, End User)
  • GCC Countries
  • South Africa
  • Rest of Middle East & Africa

Competitive Intelligence

• Top 5 Player Comparison
• Market Positioning of Key Players, 2024
• Strategies Adopted by Key Market Players
• Recent Developments in the Market
• Company Market Share Analysis, 2024
• Company Profiles of All Key Players
  • Company Details
  • Product Portfolio Analysis
  • Company's Segmental Share Analysis
  • Revenue Y-O-Y Comparison (2022-2024)

Key Company Profiles

• NCR Corporation (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Fujitsu (Japan)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Hitachi Payment Services (India)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Diebold Nixdorf (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• GRG Banking (China)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Citigroup Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• JPMorgan Chase & Co. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Wells Fargo (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Barclays Bank PLC (UK)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• HSBC Bank A.S. (Turkey)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Santander Group (Spain)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• ICICI Bank Ltd. (India)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Axis Bank (India)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• State Bank of India (SBI) (India)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• HDFC Bank (India)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Kotak Bank (India)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Bank of Baroda (India)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Fiserv (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Empays Payment Systems (India)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments

Conclusion & Recommendations