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市場調査レポート
商品コード
1737089
アンチマネーロンダリングの市場規模:コンポーネント別、展開モード別、組織規模別、地域別、範囲および予測Anti Money Laundering Market Size By Component (Software, Services), By Deployment Mode (On-Premises, Cloud), By Organization Size (Large Enterprises, SMEs), By Geographic Scope And Forecast |
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アンチマネーロンダリングの市場規模:コンポーネント別、展開モード別、組織規模別、地域別、範囲および予測 |
出版日: 2025年05月08日
発行: Verified Market Research
ページ情報: 英文 202 Pages
納期: 2~3営業日
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アンチマネーロンダリング(AML)市場規模は、2024年に25億9,000万米ドルと評価され、2026年から2032年にかけて15.30%のCAGRで成長し、2032年には73億2,000万米ドルに達すると予測されています。
アンチマネーロンダリングソリューションは、マネーロンダリング活動を検出、防止、報告するために導入されるツールやプロセスとして定義されています。
これらのソリューションは、金融機関、銀行、その他の規制対象事業体によって、規制要件を遵守し、金融犯罪と闘うために活用されています。
さらに、AMLシステムは、検知率を向上させ、誤検知を減らすために、人工知能や機械学習などの先進技術で強化されています。
規制遵守要件の増加:アンチマネーロンダリング(AML)対策を取り巻く厳しい規制環境が市場を大きく牽引しています。金融活動作業部会(FATF)が発表した報告書では、金融犯罪への取り組みに対する世界のコミットメントが強調されており、200以上の国・地域が近年AML規制をアップグレードまたは制定していると述べられています。これらの要件に準拠するため、金融機関は高度なAMLソリューションに投資する必要があり、コンプライアンス違反に伴う多額の罰金や評判の低下を回避しようとする企業の動きが市場拡大を後押ししています。
金融犯罪の増加:マネーロンダリングやテロ資金供与などの金融犯罪の増加により、AMLソリューションの必要性が高まっています。国連薬物犯罪事務所(UNODC)の推計によると、世界のGDPの2~5%、つまり8,000億米ドルから2兆ドルが、世界中で毎年洗浄されています。この懸念すべき数字は、違法な資金活動を特定して阻止し、市場投資を刺激するために、いかに効率的なAMLシステムが緊急に必要とされているかを強調しています。
テクノロジーとデータ分析の進歩:テクノロジー、特にデータ分析と人工知能の急速な進歩は、AMLの状況を一変させつつあります。ある報告書によると、AMLソリューションの世界市場は、AIと機械学習技術の採用増加により、2021年の15億米ドルから2026年には35億米ドルに成長すると予測されています。これらの技術革新は、金融機関が大量の取引データをリアルタイムで分析する能力を高め、疑わしい行為を特定し、規制要件を遵守する能力を向上させる。
主な課題
誤検知:AMLシステムでは高い割合で誤検知が発生するため、業務上の大きな負担となっています。このようなシグナルを調査するためにリソースを費やしており、費用対効果や効率性に影響を及ぼしています。
データの統合と品質:多くのソースからのデータを統合することの難しさとデータの質の低さが、AMLソリューションの有効性を妨げています。最新のAMLソリューションは、レガシー・システムとのインターフェイスが難しいです。
主要動向
リアルタイム・モニタリング:リアルタイムの取引モニタリングとスクリーニング機能が開発・実装されつつあります。この動向は、不審な取引に対する迅速な検知と対応の必要性に後押しされています。
クラウドベースのソリューション:クラウドベースのAMLソリューションの採用が増加しています。これらのソリューションは、拡張性、費用対効果、大量データの処理能力などの点で好まれています。
レギュラトリー・テクノロジー(RegTech):コンプライアンス・プロセスを合理化し、金融機関の規制負担を軽減するために設計されたRegTechソリューションの出現が確認されています。
アンチマネーロンダリング市場の地域分析
北米
Verified Market Researchによると、北米がアンチマネーロンダリング市場を独占すると推定されます。北米には、金融機関全体で厳格なアンチマネーロンダリング(AML)対策を義務付ける強固な規制環境があります。金融犯罪取締ネットワーク(FinCEN)の報告によると、米国には銀行秘密法(BSA)を遵守しなければならない登録マネーサービス事業者が6,000社以上あり、コンプライアンスを確保し、高額な罰則を回避するための高度なAMLソリューションに対する大きな需要が生じています。
マネーロンダリングや詐欺を含む金融犯罪の増加により、北米では効果的なAMLソリューションへの需要が高まっています。FBIのインターネット犯罪苦情センター(IC3)によると、2020年にはインターネット犯罪の疑いに関する苦情が79万7,500件報告され、被害額は42億米ドルを超えました。
さらに、北米地域では、AMLプロセスを強化するために、AIや機械学習などのテクノロジーが急速に進歩しています。報告書によると、世界のAMLソフトウェア市場は2021年の14億米ドルから2026年には32億米ドルに成長し、不正検知とコンプライアンス管理のための革新的技術の早期導入により北米が市場をリードします。
アジア太平洋:
アジア太平洋地域は予測期間中に最も高い成長を示すと予測されます。アジア太平洋地域では、マネーロンダリングやテロ資金供与を含む金融犯罪に対する意識が著しく高まっています。マネーロンダリングに関するアジア太平洋グループ(APG)によると、同地域の90%以上の国がAMLの枠組みを強化する措置を実施しています。このような意識の高まりが、こうした脅威に対抗するための効果的なアンチマネーロンダリングソリューションへの需要を後押ししています。
アジア太平洋地域の多くの国々は、国際的なAML基準に合わせるため、規制の枠組みを強化しています。例えば、金融活動作業部会(FATF)は、アジア太平洋地域の60%以上の国・地域が近年AML規制を更新しており、金融機関がコンプライアンスを確保し、罰則を回避するために包括的なAMLソリューションを導入するよう促していることを強調しています。
さらに、アジア太平洋地域におけるデジタル金融サービスの急速な拡大は、マネーロンダリング活動のリスクを増大させています。世界銀行の報告によると、同地域のモバイル・バンキング口座数は2022年に12億件に達し、オンライン取引に関連するリスクを監視・軽減し、金融システムの完全性を確保するための効果的なAML技術が急務となっています。
Anti Money Laundering (AML) Market size was valued at USD 2.59 Billion in 2024 and is projected to reach USD 7.32 Billion by 2032, growing at a CAGR of 15.30 % from 2026 to 2032.
Anti Money Laundering solutions are being defined as tools and processes that are implemented to detect, prevent, and report money laundering activities.
These solutions are being utilized by financial institutions, banks, and other regulated entities to comply with regulatory requirements and combat financial crime.
Furthermore, AML systems are being enhanced with advanced technologies such as artificial intelligence and machine learning to improve detection rates and reduce false positives.
The key market dynamics that shaping the anti money laundering market include:
Increasing Regulatory Compliance Requirements: The market is significantly driven by the strict regulatory environment surrounding anti-money laundering (AML) measures. A report released by the Financial Action Task Force (FATF) highlights the global commitment to tackling financial crimes, stating that over 200 jurisdictions have upgraded or enacted AML regulations in recent years. To comply with these requirements, financial institutions must invest in sophisticated AML solutions, which are propelling market expansion as businesses work to avoid the heavy fines and harm to their reputation that come with non-compliance.
Rising Incidence of Financial Crimes: The need for AML solutions is being driven by the rise in financial crimes, such as money laundering and financing of terrorism. According to estimates from the United Nations Office on Drugs and Crime (UNODC), 2-5% of the world's GDP, or between $800 billion and $2 trillion, is laundered annually worldwide. This concerning figure emphasizes how urgently efficient AML systems are needed to identify and stop illegal money activity, stimulating market investment.
Advancements in Technology and Data Analytics: The rapid advancements in technology, particularly in data analytics and artificial intelligence, are transforming the AML landscape. According to a report, indicates that the global market for AML solutions is projected to grow from $1.5 billion in 2021 to $3.5 billion by 2026, driven by the increasing adoption of AI and machine learning technologies. These innovations enhance the ability of financial institutions to analyze large volumes of transaction data in real-time, improving their capacity to identify suspicious activities and comply with regulatory requirements.
Key Challenges
False Positives: AML systems produce a high percentage of false positives, which is seen to be a major operational strain. Investigating these signals is using resources, which influences cost-effectiveness and efficiency.
Data Integration and Quality: The difficulty of combining data from many sources and poor data quality hinders the effectiveness of AML solutions. Modern AML solutions are finding it challenging to interface with legacy systems.
Key Trends
Real-Time Monitoring: Real-time transaction monitoring and screening capabilities are being developed and implemented. This trend is being driven by the need for faster detection and response to suspicious activities.
Cloud-Based Solutions: Cloud-based AML solutions are being increasingly adopted. These solutions are preferred for their scalability, cost-effectiveness, and ability to handle large volumes of data.
Regulatory Technology (RegTech): The emergence of RegTech solutions is being observed, which are being designed to streamline compliance processes and reduce the regulatory burden on financial institutions.
The regional analysis of the anti money laundering market:
North America
According to Verified Market Research, North America is estimated to dominate the anti money laundering market. North America has a robust regulatory environment that mandates strict anti-money laundering (AML) measures across financial institutions. The Financial Crimes Enforcement Network (FinCEN) reports that the U.S. has over 6,000 registered money services businesses that must comply with the Bank Secrecy Act (BSA), creating a significant demand for advanced AML solutions to ensure compliance and avoid hefty penalties.
The rising incidence of financial crimes, including money laundering and fraud, has heightened the demand for effective AML solutions in North America. According to the FBI's Internet Crime Complaint Center (IC3), there were 797,500 reported complaints of suspected Internet crime in 2020, with losses exceeding $4.2 billion, underscoring the urgency for organizations to enhance their AML capabilities.
Furthermore, the North American region is witnessing rapid advancements in technology, including AI and machine learning, to enhance AML processes. According to a report, the global AML software market will grow from $1.4 billion in 2021 to $3.2 billion by 2026, with North America leading the market due to its early adoption of innovative technologies for fraud detection and compliance management.
Asia Pacific:
The Asia Pacific region is estimated to exhibit the highest growth during the forecast period. The Asia Pacific region has seen a significant increase in awareness of financial crimes, including money laundering and terrorist financing. According to the Asia/Pacific Group on Money Laundering (APG), over 90% of countries in the region have implemented measures to enhance their AML frameworks. This heightened awareness is driving the demand for effective anti-money laundering solutions to combat these threats.
Many countries in the Asia Pacific region are strengthening their regulatory frameworks to align with international AML standards. For instance, the Financial Action Task Force (FATF) has highlighted that more than 60% of Asia Pacific jurisdictions have updated their AML regulations in recent years, prompting financial institutions to adopt comprehensive AML solutions to ensure compliance and avoid penalties.
Furthermore, the rapid expansion of digital financial services in the Asia Pacific region is increasing the risk of money laundering activities. The World Bank reported that the number of mobile banking accounts in the region reached 1.2 billion in 2022, creating a pressing need for effective AML technologies to monitor and mitigate the risks associated with online transactions, ensuring the integrity of financial systems.
The Anti Money Laundering Market is segmented based on Components, Deployment Mode, Organization Size, and Geography.
Based on Component, the market is being segmented into Software and Services. The Software segment is estimated to dominate the anti-money laundering market due to the increasing demand for advanced technological solutions that enhance compliance and detection capabilities. AML software solutions, which utilize machine learning and artificial intelligence, enable financial institutions to effectively analyze vast amounts of transaction data in real time to identify suspicious activities. According to a report, the global AML software market is projected to grow from $1.5 billion in 2021 to $3.5 billion by 2026, highlighting its crucial role in combating financial crime. While services such as consulting and implementation are essential, the scalability, efficiency, and automation offered by software solutions solidify their dominance in the market.
Based on Deployment Mode, the market is being divided into On-Premises and Cloud. The Cloud deployment mode is expected to dominate the anti-money laundering market due to its flexibility, scalability, and cost-effectiveness. Cloud-based AML solutions allow financial institutions to access advanced analytics and compliance tools without the need for extensive on-site infrastructure, which is both costly and time-consuming to maintain. According to a report, the cloud-based AML solutions market is projected to grow at a compound annual growth rate (CAGR) of 18.3% from 2021 to 2027, driven by the increasing demand for real-time data processing and enhanced collaboration across financial networks. While on-premises solutions provide certain security advantages, the operational efficiencies and lower total cost of ownership associated with cloud deployments solidify their dominance in the market.
Based on Organization Size, the market is categorized into Large Enterprises and SMEs. The Large Enterprises segment is anticipated to dominate the anti-money laundering market due to their extensive operations, complex regulatory requirements, and higher risk exposure to financial crimes. Large financial institutions and corporations are more likely to invest in comprehensive AML solutions to ensure compliance with stringent regulations and to protect their reputations. According to a report, large enterprises account for approximately 70% of the global AML spending, as they face substantial fines and penalties for non-compliance, which drives the need for advanced technologies and dedicated resources to manage AML processes effectively. While SMEs are increasingly adopting AML solutions, the scale and complexity of operations in large enterprises solidify their market leadership.
Based on Geography, the anti money laundering market is segmented into North America, Europe, Asia Pacific, and the Rest of the World. The North American region is expected to dominate the anti-money laundering market due to its stringent regulatory landscape and the presence of major financial institutions. The United States has established comprehensive AML regulations, such as the Bank Secrecy Act and the USA PATRIOT Act, mandating robust compliance measures across financial sectors. According to the Financial Crimes Enforcement Network (FinCEN), in 2021, over 5.5 million suspicious activity reports (SARs) were filed by U.S. financial institutions, underscoring the region's proactive approach to combating money laundering. The combination of high compliance costs and the necessity for advanced AML technologies further solidifies North America's leadership in the market, as financial organizations seek to mitigate risks associated with financial crime.
Our market analysis also entails a section solely dedicated to such major players wherein our analysts provide an insight into the financial statements of all the major players, along with product benchmarking and SWOT analysis. The competitive landscape section also includes key development strategies, market share, and market ranking analysis of the above-mentioned players globally.