3Dセキュア認証市場：タイプ別、展開モデル別、地域別、2026～2032年

3Dセキュア認証市場の評価-2026～2032年

不正行為を回避し、機密データを保護するために、オンライン取引のセキュリティを向上させる需要が高まっており、3Dセキュア認証市場を牽引しています。eコマースやモバイル決済の増加に伴い、企業や金融機関は、機密性の高い顧客データを保護し、不正取引を防止するための認証ソリューションの改善を重視しており、2024年には45億6,000万米ドル、2032年には181億6,000万米ドルに達します。

欧州連合のPSD2やStrong Customer Authentication（SCA）標準などの規制上の義務も、コンプライアンスと取引の安全性を保証する3Dセキュア技術の使用を促進しています。さらに、サイバーセキュリティに対する消費者の意識の高まりや、スムーズかつ安全な決済体験に対する需要が、3Dセキュア技術の採用を促進しており、2024～2032年のCAGRは約20.80%で成長する見込みです。

3Dセキュア認証市場定義/概要

3Dセキュア認証は、オンラインでのクレジットカードとデビットカード取引のセキュリティ向上を目的としたセキュリティメカニズムです。オンライン決済を行う場合、カード所有者はカード発行会社との間で、パスワード、SMSコード、または生体認証による追加の認証ステップを完了する必要があります。3Dセキュアの主要用途は、eコマースプラットフォーム、オンラインバンキング、デジタル決済ゲートウェイであり、不正取引の削減と決済セキュリティの向上を目指しています。オンライン取引の増加、認証技術の開発、決済セキュリティに対する強力な規制状況のおかげで、3Dセキュア認証の将来は明るいとみられ、3Dセキュア認証は拡大するデジタル決済状況に不可欠な要素となっています。

オンライン取引のセキュリティ強化に対する需要の高まりは、3Dセキュア認証市場を牽引するか？

オンライン取引におけるセキュリティ向上に対する需要は、3Dセキュア認証産業の主要な促進要因となっています。オンライン商取引とデジタル決済の台頭により、消費者と企業は、取引のセキュリティと詐欺防止に対する不安をますます募らせています。3Dセキュアプロトコルは、さらに先進的検証を提供し、不正取引のリスクを大幅に低減します。安全な取引に対する認識と要求の高まりが、eコマース、銀行、小売などさまざまな産業における3D安全認証の導入を促進しています。

例えば、Visaは2024年7月、シームレスで安全なショッピング体験を提供することを目的とした、最新の3Dセキュア2.0システムの展開を発表しました。このプロトコルは、先進的生体認証と人工知能を使用して認証プロセスを改善し、正規の消費者の摩擦を減らすと同時に、詐欺防止対策を強化します。大手金融機関のこうした動きは、デジタル決済エコシステムにおける強固なセキュリティ対策の重要性の高まりと、市場成長を牽引する役割を実証しています。

さらに、世界中の政府が安全なデジタル取引の必要性を強調しています。欧州連合（EU）は2024年6月、オンライン決済に強力な顧客認証（SCA）を義務付けるPSD2（決済サービス指令2）の要件を強化しました。これらの要件は、多要素認証の使用を義務付けており、3Dセキュアなどの技術がコンプライアンスに不可欠となっています。このような規制の後押しにより、企業は3Dセキュア認証を採用して法的要件に準拠し、消費者データを保護することが保証されるため、市場の成長が促進されます。

法的要件に加え、サイバー攻撃やデータ漏洩の増加により、先進的セキュリティソリューションに対する需要が高まっています。2024年8月には、大規模なサイバー攻撃が大手小売チェーンを襲い、数百万件の消費者データが危険にさらされました。このような事件は、機密情報の保護における3Dセキュア認証のような先進的セキュリティプロトコルの重要性を浮き彫りにしています。サイバー脅威の絶え間ない進化は、強力な認証ソリューションのニーズが今後も高まり続けることを意味し、市場の成長とより先進的セキュリティ対策の開発における技術革新を促進します。

規制遵守の高まりは3Dセキュア認証市場の成長を妨げるか？

規制遵守の高まりは、これらの標準の達成に伴う複雑さと費用のために、3Dセキュア認証市場の成長を制限する可能性があります。企業は厳しい規制基準への対応に苦慮することが多く、その結果、運用コストやリソースの割り当てが増加します。

この規制は、決済の安全性と消費者の安全性を向上させようとするものだが、企業にとってはコンプライアンスコストと技術的な問題の増大にもつながっています。これらの要件に準拠するためには、準拠を保証するための技術とインフラへの多額の投資が必要となるため、一部の企業にとっては意欲が削がれ、3Dセキュア認証システムの採用率が低下する可能性があります。

さらに、地域間の規制制度が複雑なため、多国籍企業にとって齟齬や課題が生じる可能性があります。多くの法域で事業を展開する企業は、それぞれ独自のニーズを持つさまざまな規制状況を乗り越えなければならないです。その結果、管理上と運用上の制約が追加され、企業が標準化された3Dセキュア認証システムを統一的に適用することが困難になる可能性があります。たとえば、2024年 7月、ある大手多国籍eコマース企業は、世界の事業全体で3Dセキュア認証のさまざまな規制基準を満たす取り組みにおいて、大幅な遅延とコスト超過を報告しました。

しかし、規制への準拠は困難かもしれないが、最新のセキュリティ対策の利用を促し、長期的には市場に利益をもたらすという点を強調することが重要です。例えば、2024年8月、米国の大手金融機関は、新たな規制基準を満たすために3Dセキュア2.0の導入に成功し、セキュリティと消費者の信頼を高める結果となりました。こうした規制は、当初は負担が大きいもの、より高いレベルのセキュリティを提供し、デジタル取引に対する顧客の信頼を高めることができるため、コンプライアンス上の問題があるにもかかわらず、市場の拡大を促進することができます。

目次

第1章 イントロダクション

• 市場の定義
• 市場セグメンテーション
• 調査手法

第2章 エグゼクティブサマリー

• 主要調査結果
• 市場概要
• 市場ハイライト

第3章 市場概要

• 市場規模と成長の可能性
• 市場動向
• 市場促進要因
• 市場抑制要因
• 市場機会
• ポーターのファイブフォース分析

第4章 3Dセキュア認証市場：タイプ別

• マーチャントプラグイン
• 発行者SDK
• リスクベース認証

第5章 3Dセキュア認証市場：展開モデル別

• クラウドベース
• オンプレミス

第6章 地域別分析

• 北米
• 米国
• カナダ
• メキシコ
• 欧州
• 英国
• ドイツ
• フランス
• イタリア
• アジア太平洋
• 中国
• 日本
• インド
• オーストラリア
• ラテンアメリカ
• ブラジル
• アルゼンチン
• チリ
• 中東・アフリカ
• 南アフリカ
• サウジアラビア
• アラブ首長国連邦

第7章 市場力学

• 市場促進要因
• 市場抑制要因
• 市場機会
• COVID-19の市場への影響

第8章 競合情勢

• 主要企業
• 市場シェア分析

第9章 企業プロファイル

• Visa
• Mastercard
• American Express
• JCB
• Discover

第10章 市場展望と機会

• 新興技術
• 今後の市場動向
• 投資機会

第11章 市場展望付録

• 略語リスト
• 供給源と参考文献

3D Secure Authentication Market Valuation - 2026-2032

There is a rising demand for improved security in online transactions to avoid fraud and preserve sensitive data driving the 3D secure authentication market. With the rise of e-commerce and mobile payments, businesses and financial institutions are emphasizing improved authentication solutions to protect sensitive client data and prevent illegal transactions is fueling USD 4.56 Billion in 2024 and reaching USD 18.16 Billion by 2032.

Regulatory obligations, such as the European Union's PSD2 and Strong Customer Authentication (SCA) standards, are also driving the use of 3D Secure technology to assure compliance and transaction security. Furthermore, rising consumer awareness of cybersecurity and the demand for smooth yet secure payment experiences are hastening the adoption of 3D secure technologies is expected to grow at a CAGR of about 20.80% from 2024 to 2032.

3D Secure Authentication Market: Definition/ Overview

3D Secure Authentication is a security mechanism that aims to improve the security of online credit and debit card transactions. When making online payments, cardholders must complete an additional verification step with their card issuer, which is typically done via a password, SMS code, or biometric authentication. 3D Secure's key applications are e-commerce platforms, online banking, and digital payment gateways, which aim to reduce fraudulent transactions and improve payment security. The future of 3D Secure Authentication looks positive, thanks to the growing amount of online transactions, developments in authentication technology, and strong regulatory requirements for payment security, making it an essential component of the expanding digital payment landscape.

Will Rising Demand for Enhanced Security in Online Transactions Drive the 3D Secure Authentication Market?

The demand for improved security in online transactions is a major driver of the 3D Secure Authentication industry. With the rise of online commerce and digital payments, consumers and companies are growing increasingly worried about transaction security and fraud protection. The 3D Secure protocol provides an additional degree of verification, considerably lowering the risk of fraudulent transactions. The increased awareness and demand for safe transactions is driving the implementation of 3D safe Authentication in a variety of industries, including e-commerce, banking, and retail.

For instance, in July 2024, Visa announced the rollout of its updated 3D Secure 2.0 system, which aims to provide a seamless and secure shopping experience. This protocol uses advanced biometrics and artificial intelligence to improve authentication processes, decreasing friction for legitimate consumers while strengthening fraud prevention measures. Such actions by major financial institutions demonstrate the growing importance of strong security measures in the digital payment ecosystem, as well as their role in driving market growth.

Furthermore, governments around the world emphasize the necessity of secure digital transactions. In June 2024, the European Union strengthened its PSD2 (Payment Services Directive 2) requirements, which require strong customer authentication (SCA) for online payments. These requirements mandate the use of multi-factor authentication, making technologies such as 3D Secure critical for compliance. This regulatory push assures that firms employ 3D Secure Authentication to comply with legal requirements and protect consumer data, hence driving market growth.

In addition to legal requirements, the growing incidence of cyberattacks and data breaches has increased the demand for advanced security solutions. In August 2024, a large cyberattack struck a major retail chain, compromising millions of consumer data. Incidents like these highlight the importance of advanced security protocols like 3D Secure Authentication in protecting sensitive information. The continual evolution of cyber threats means that need for strong authentication solutions will continue to rise, driving market growth and innovation in the development of more sophisticated security measures.

Will Growing Regulatory Compliance Hinder the Growth of the 3D Secure Authentication Market?

Growing regulatory compliance can limit the growth of the 3D Secure Authentication market, owing to the complexities and expenses associated with attaining these standards. Businesses frequently struggle to adapt to tight regulatory standards, resulting in higher operating costs and resource allocations.

While the regulation seeks to improve payment security and consumer safety, it has also resulted in higher compliance costs and technical problems for firms. Adhering to these requirements necessitates significant investments in technology and infrastructure to assure compliance, which can be discouraging for some firms, potentially reducing the adoption rate of 3D Secure Authentication systems.

Furthermore, the complexity of regulatory systems between regions might result in discrepancies and challenges for multinational businesses. Companies that operate in many jurisdictions must navigate a variety of regulatory landscapes, each with its own unique needs. This can result in additional administrative and operational constraints, making it difficult for enterprises to apply standardized 3D Secure Authentication systems uniformly. For instance, in July 2024, a major multinational e-commerce company reported substantial delays and cost overruns in its efforts to meet various regulatory criteria for 3D Secure Authentication throughout its global operations.

However, it is important to highlight that, while regulatory compliance might be difficult, it also encourages the use of modern security measures, which benefits the market in the long run. For instance, in August 2024, a major financial institution in the United States successfully implemented 3D Secure 2.0 to meet new regulatory standards, resulting in increased security and consumer trust. These regulatory regulations, while initially burdensome, offer a higher level of security and can increase customer confidence in digital transactions, hence promoting market expansion despite compliance issues.

Category-Wise Acumens

Will Rising Demand for Merchant Plug-in Drive the 3D Secure Authentication Market?

The growing need for Merchant Plug-in (MPI) solutions is propelling the 3D Secure Authentication market. MPIs are essential to online transactions because they provide secure connections between the merchant's website and the payment gateway. The increase in e-commerce activities has heightened the need for secure and dependable transaction methods, with firms increasingly implementing MPIs to ensure increased security and fraud prevention during online purchases. This increased usage is being driven by rising consumer awareness of online security dangers and increasing regulatory requirements for safe transactions.

MPIs are in high demand because to their ability to interact effortlessly with existing e-commerce platforms. This integration not only improves the customer experience by lowering the danger of transaction abandonment, but it also offers merchants a low-cost way to strengthen their security architecture. Furthermore, advances in MPI technology, such as real-time fraud detection and multi-factor authentication, have accelerated its implementation. These technical improvements enable merchants to provide a secure buying experience, ultimately increasing consumer trust and loyalty.

Visa, for instance in March 2024, announced that it will expand its 3D Secure 2.0 protocol, focusing on improved MPI functions to facilitate frictionless and secure online transactions.

Similarly, in April 2024 Mastercard released upgraded MPI solutions, emphasizing AI-driven fraud detection methods to improve transaction security. These initiatives by major payment networks highlight the importance of MPIs in the changing environment of digital commerce, as well as their contribution to the expansion of the 3D Secure Authentication business.

The fastest growing segment is Risk-Based Authentication, which is fueled by its sophisticated ability to dynamically analyze transaction risk and provide a smooth user experience by demanding additional authentication only for high-risk transactions. This segment's growth is being driven by rising demand for advanced security solutions that balance security and user ease.

Will Rising Adoption of Cloud-Based Deployment Fuel the 3D Secure Authentication Market?

The growing use of cloud-based deployment is a crucial driver driving the 3D Secure Authentication market. Cloud-based solutions provide various benefits, including scalability, cost-efficiency, and ease of installation, which are especially appealing to enterprises of all sizes. These technologies enable enterprises to swiftly adopt 3D Secure Authentication procedures without requiring significant upfront hardware and infrastructure investments. Cloud-based models' flexibility enables firms to adapt their resources in response to demand, assuring optimal performance during peak transaction periods.

The benefits of cloud adoption include increased security and reliability. Cloud service providers often provide strong security measures, such as advanced encryption, regular security updates, and real-time threat monitoring, to safeguard sensitive transaction data from cyber-attacks. Furthermore, the centralized management of cloud-based systems facilitates compliance with changing regulatory requirements, allowing firms to keep current with industry standards and best practices. This combination of security and regulatory compliance has resulted in greater use of cloud-based 3D Secure Authentication solutions.

For example, in January 2024, Amazon Web Services (AWS) introduced a new cloud-based 3D Secure Authentication solution with improved security features and seamless connection with existing e-commerce platforms.

Similarly, in February 2024, Microsoft Azure announced an upgrade to its cloud-based authentication systems, which will include AI-driven analytics to increase fraud detection and security. These activities show the growing relevance of cloud-based deployment in the 3D Secure Authentication industry, as businesses want to utilize the benefits of cloud technology to improve their security architecture.

On-premises implementation is the second fastest growing market, since some enterprises, particularly those with severe security and regulatory compliance requirements, prefer to have direct control over their authentication systems and data.

Country/Region-wise

Will High Adoption of Advanced Security in North America Drive the 3D Secure Authentication Market?

The widespread implementation of enhanced security measures in North America is expected to fuel significant growth in the 3D secure authentication market. North America, notably the United States, is at the forefront of cybersecurity advances due to significant investments in technology and increased awareness of data security. As organizations and financial institutions struggle to fulfill demanding security standards, the use of 3D secure authentication technologies is becoming more common.

The United States government has issued new legislation aimed at improving cybersecurity across a variety of sectors. For instance, in April 2024, the Department of Homeland Security's Cybersecurity and Infrastructure Security Agency (CISA) issued updated guidelines, suggesting the use of advanced authentication technologies such as 3D Secure to tackle escalating cyber threats. This legislative drive is encouraging firms to invest in strong security systems in order to meet new standards and protect consumer data.

Furthermore, large North American corporations are increasingly implementing 3D Secure Authentication to improve transaction security. In May 2024, Visa announced a significant improvement to its 3D secure infrastructure, with the goal of improving fraud protection for online transactions. Similarly, Mastercard has implemented enhanced authentication technologies as part of its overall security strategy. These industry developments represent a rising realization of the necessity for sophisticated authentication methods in securing digital transactions, which is driving the growth of the 3D Secure Authentication market in North America.

Will Growing Awareness about Cyber Security Measures in Asia-Pacific Propel the 3D Secure Authentication Market?

Growing awareness of cybersecurity measures in Asia-Pacific is expected to considerably drive the 3D secure authentication market. As digital transformation spreads throughout the area, businesses and consumers alike are becoming more conscious of the necessity of secure online transactions. This increasing awareness creates a demand for improved authentication solutions to avoid fraud and protect sensitive information.

In July 2024, the Indian government unveiled a new cybersecurity policy that focuses on increasing online security measures, such as authentication processes. This program reflects a larger trend in the Asia-Pacific region, where countries are investing in cybersecurity infrastructure to combat escalating cyber threats. In addition, major financial institutions in China and Japan have reported using 3D Secure Authentication to improve transaction security in response to growing worries about online fraud and data breaches.

Furthermore, Asia-Pacific's rapid digitalization has led to an increase in e-commerce and digital payments, which is supporting the growth of the 3D Secure Authentication market. As more people do online transactions, the necessity for strong security measures grows. Companies such as Rakuten in Japan and Alibaba in China have recently implemented advanced 3D Secure Authentication technology to protect their platforms, underlining the expanding market opportunity and the vital importance of cybersecurity measures in sustaining consumer trust.

Competitive Landscape

The competitive landscape of the 3D secure authentication market is characterized by a mix of established firms and emerging startups offering innovative solutions. Companies in this market are focusing on integrating advanced technologies like artificial intelligence and machine learning to enhance authentication processes and reduce fraud. The market also sees significant investment in R&D to develop more secure and user-friendly authentication methods. Collaborations, partnerships, and acquisitions are common strategies used to expand market reach and improve technological capabilities. Additionally, regulatory compliance and certification play crucial roles in shaping the competitive dynamics of the market.

Some of the prominent players operating in the 3D secure authentication market include:

Visa

Mastercard

American Express

JCB

Discover

Latest Developments

In March 2024, American Express enhanced their 3D Secure authentication mechanism with AI-powered features. This improvement uses machine learning techniques to improve the accuracy of fraud detection, giving cardholders more security.

In May 2024, PayPal deployed 3D Secure 2.0 across its global payment networks to enhance security and user experience. This interface enables retailers to meet regulatory standards and reduce transaction fraud.

In February 2024, MasterCard announced a strategic relationship with Microsoft to integrate 3D Secure 2.0 authentication onto Azure cloud services. This alliance seeks to deliver scalable, safe, and efficient authentication processes to worldwide merchants and financial institutions.

3D Secure Authentication Market, By Category

• Type:
• Merchant Plug-In
• Issuer SDK
• Risk-Based Authentication
• Deployment Model:
• Cloud-Base
• On-Premises
• Region:
• North America
• Europe
• Asia-Pacific
• Latin America
• Middle East & Africa

TABLE OF CONTENTS

1. Introduction

• Market Definition
• Market Segmentation
• Research Methodology

2. Executive Summary

• Key Findings
• Market Overview
• Market Highlights

3. Market Overview

• Market Size and Growth Potential
• Market Trends
• Market Drivers
• Market Restraints
• Market Opportunities
• Porter's Five Forces Analysis

4. 3D Secure Authentication Market, By Type

• Merchant Plug-in
• Issuer SDK
• Risk-Based Authentication

5. 3D Secure Authentication Market, By Deployment Model

• Cloud-Based
• On-Premises

6. Regional Analysis

• North America
• United States
• Canada
• Mexico
• Europe
• United Kingdom
• Germany
• France
• Italy
• Asia-Pacific
• China
• Japan
• India
• Australia
• Latin America
• Brazil
• Argentina
• Chile
• Middle East and Africa
• South Africa
• Saudi Arabia
• UAE

7. Market Dynamics

• Market Drivers
• Market Restraints
• Market Opportunities
• Impact of COVID-19 on the Market

8. Competitive Landscape

• Key Players
• Market Share Analysis

9. Company Profiles

• Visa
• Mastercard
• American Express
• JCB
• Discover

10. Market Outlook and Opportunities

• Emerging Technologies
• Future Market Trends
• Investment Opportunities

11. Appendix

• List of Abbreviations
• Sources and References