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決済向け生体認証:市場と技術分析、採用戦略、予測 2018-2023年(第2版)

Biometrics for Payments - Market & Technology Analysis, Adoption Strategies and Forecasts 2018-2023

 

出版社 出版年月電子版価格 ページ数
Goode Intelligence
グッドインテリジェンス
2018年10月GBP3,250
エンタープライズライセンス
320

サマリー

この調査レポートは、生体認証(バイオメトリクス)を用いた決済市場を調査しています。最新の世界での導入状況や採用促進要因と阻害要因の市場分析、主要利害関係者とのインタビュー、主な生体認証技術の概説を含めた技術分析、決済向け生体認証システム、2018年から2023年までの6年間のユーザと収益に関する予測(地域別と世界全体)などを掲載しています。

Goode Intelligenceでは決済に使用される生体認証技術として、下記8種の技術を挙げています。

  1. 行動的特徴
  2. 眼(虹彩と眼球血管)
  3. 指紋
  4. 指静脈
  5. 心拍
  6. 手のひら静脈
  7. 声紋

主な掲載内容

  • エグゼクティブサマリー
  • 市場と技術の分析
    • 生体認証技術概説
    • どのように生体認証が決済に使用されるか
    • 市場促進要因と阻害要因
    • 法規制と技術規格 - 採用と分析
      • 小売店統合
      • Eコマース
      • モバイル決済
      • ウエアラブル決済
      • ビットコイン
      • ATM
    • 生体認証決済技術の分析とベンダレビュー
  • 予測
    • ユーザ
      • 技術別
      • 決済タイプ別
      • 併用型
    • 収益
      • 技術別
      • 併用型
    • 取引数と金額

Report Overview

The second edition of Biometrics for Payments - Market & Technology Analysis, Adoption Strategies & Forecasts 2018-2023 is a 320 page analyst report that provides detailed analysis of the market and adoption of biometrics for payments.

Full Product Description

The 320 page report is the most comprehensive analysis of biometric payments and investigates the current global adoption with market analysis including key drivers and barriers for adoption, interviews with leading stakeholders, technology analysis with review of key biometric technologies and profiles of companies supplying biometric systems for payments. It also includes regional and global market forecasts for users, devices, transactions and revenue for the six-year period from 2018 to 2023. The report is the second in a three-part series – Biometrics for Financial Services – that also includes Biometrics for Banking and Mobile Biometrics for Financial Services.

This report is available at £3,250.00 for an Enterprise licence. Please contact us on sales@goodeintelligence.com if you require further information.

Coverage

This is the second edition of the Goode Intelligence Biometrics for Payments report, first published in 2015 that is an investigation into the use of biometric technology for payments. It includes:
• Review of current global adoption
• Market analysis, including key drivers and barriers for adoption across a wide range of payment scenarios
• Technology analysis
• Analysis of important technology vendors and services providers operating in this sector
• Forecasts for users and revenue within the six-year period 2018 to 2023

It also explores some of the key considerations for payment providers when deploying biometric technology including the impact of both state and industry regulation.

Goode Intelligence predicts that there will be over 2.6 billion biometric payment users by 2023 with the use of biometrics being driven by a number of factors including:
• Desire for frictionless authentication while paying in all channels
• The need to reduce payment fraud
• Industry and state regulation
• Technology standardisation

The report covers the following payment channels:
Physical locations using biometric technology integrated into payment terminals (Naked Payments), biometric payment cards or by using smart devices;
Digital Payments including eCommerce, mCommerce, wCommerce, IoT and Cryptocurrency; and
ATMs for cash and Cryptocurrency.

An investigation into adoption around the world includes biometrics being used for digital onboarding (eIDV), identity verification (proofing), payment user authentication, payment transaction authorisation and fraud detection.

Important biometric modalities for payments include fingerprint, voice, face, finger-vein, palm-vein, behavioral and iris. Emerging biometric modalities include heart (ECG) and palmprint.

An analysis of the advantages and disadvantages of the main biometric architectural models, decentralized and cloud based (biometric identity as a service) are including.

Goode Intelligence has separated the forecasts into three main areas; Users, Revenue and Transactions
Users (Regional and Global) - Users are broken down into technology and payment type as detailed below.
A total, combined, forecast is given for all biometric payments users.
• Total Users
o By Technology
 Fingerprint
 Voice
 Iris
 Behavioral
 Finger-vein
 Palm-vein
 Palmprint [New for second edition]
 Heart
 Face
o By Payment Type (Regional and Global)
 Physical location
• Naked Payments: Integrated, or attached, biometric system into Point-of-Sale terminal
• Biometric Payment Card [New for second edition]
 eCommerce (web)
 Mobile Payments
• Physical (POS) [New for second edition]
• mCommercs (in-app payments) [New for second edition]
• Mobile Payments - Combined
 Cryptocurrency
 Wearable Payments
 IoT Payments [New for second edition]
 ATM (Cash)
• Users
• Total number of ATM Devices
o Biometric Identity Verification for Payments – Biometric eIDV [New for second edition]
o Biometric for Payments – by Architecture [New for second edition]
 Device-Based Biometric Payments [New for second edition]
 Cloud-Based Biometric Payments[New for second edition]
o Total Combined (Regional and Global)

The revenue forecasts, in USA Dollar, include separate figures for each biometric technology (modality), separate forecasts for biometric payment cards (embedded fingerprint sensors into plastic payment cards), biometric Identity verification for payments, by architecture (device and cloud-based), regional and combined figures.
Revenue (Regional and Global)
o By biometric technology:
 Fingerprint
 Voice
 Iris
 Behavioral
 Finger-vein
 Palm-vein
 Palmprint [New for second edition]
 Heart
 Face
o Total Combined
o Biometric Identity Verification for Payments – Biometric eIDV [New for second edition]
o Biometric for Payments – by Architecture [New for second edition]
 Device-Based Biometric Payments [New for second edition]
 Cloud-Based Biometric Payments[New for second edition]
o Biometric Payment Card – fingerprint sensors embedded into payment cards [New for second edition]

Transaction forecasts are for total global payment transactions that are secured by biometric technology and the total global transaction value.
o Total Transactions
o Total Transaction value (US$)

The report includes exclusive interviews with important stakeholders from the following companies, Fingerprint Cards, FingoPay, Gemalto, HID Global, IDEMIA, IDEX, Precise Biometrics and Zwipe.

The following companies are referenced in the report: ABSA Bank, Access Softek, Agnitio, AimBrain, Alipay, American Express, AML Bitcoin, ANSI, Applied Recognition, Apple, Areeba, ARM, Auraya Systems, Banco Bradesco, Bank of Lanzhou, Bank Muscat, Bank of America, Bank of China, Bank of China Hong Kong, Bank of Cyprus, Bank of Korea, Bankmobile, Barclays, BehavioSec, BioCatch, BIO-key, Biometric Signature ID, Braintree, Brightek, B-Secur, BSI, Cairo Amman Bank, Callsign, CardLab, Cardtech, Certibio, CESG, Cifas, CLEAR, Cognitec, Crossmatch, Cryptovision, Cubic Transportation Systems, DAB Bank, Daon, DARPA, Dermalog, Diamond Fortress, Diebold, Discover, EarlyWarning, Edgar Dunn & Company, EgisTech, EMVCo, Encap Security, European Central Bank (ECB), European Union (EU), eyeLock, Experian, FaceTec, FACE++, Federal Deposit Insurance Corporation, Federal Financial Institutions Examination Council (FFIEC), Feitian, Financial Conduct Authority (FCA), Financial Fraud Action (FFA), Fingerprint Cards, First Bitcoin Capital Corp, Fotonation, Fujitsu, Fulcrum Biometrics, GBG IDScan, Gemalto, GOODIX, HID Lumidigm, Hitachi, HYPR Corp., IDEMIA, IDEX, IDology, IEEE, InFocus, ING, Innovatrics, IProov, IrisGuard, ISO, Itaú Bank , JCB, Jinco, Jumio, KeyLemon, Kona I, Linxens, Lumidigm, Macau Monetary Authority, MasterCard, MeReal Biometrics, Microsoft, Mitek Systems, MoneyOnMobile, Morpho, Mountain America Credit Union, M2Sys, National Credit Union Administration, NatWest Bank, NEXT Biometrics, NICE, NIST, NCR, NEXT Biometrics, Nok Nok Labs, NTT DoCoMo, Nuance, Nymi, NXP Semiconductors, Office of the Comptroller of the Currency (OCC), OKI, Onfido, OSRAM, Qualcomm, PayPal, Princeton Identity, RBS, Redrock Biometrics, Royal Bank of Canada, Royal Oman Police, RSA, SAMCO Inc., Samsung, Samsung SDS, SecuredTouch, SmartMetric, SmilePass, SoftKinetic, Sonavation, Sthaler, Synaptics, Telesign, Tencent, The FIDO Alliance, Toppan Printing, Trustonic, TypingDNA, UniCredit Bulbank, Unikeys, USAA, US Federal Reserve, ValidSoft, Veridium ID, Verint, VISA, Vishay, VoiceTrust, VOXX International, WeChat Pay, Wincor Nixdorf, WorldPay, W3C, Yoti, ZTE, Zwipe.



目次

Table of Contents

Forward

Goode Intelligence
Author
Goode Intelligence Methodology
Regional Definitions

Executive Summary

ES1: Report Scope
Payment Definition - What is Covered In This Report
ES2: Market and Technology Analysis
ES2.1: How is Biometrics used For Payments
ES2.3: Market Drivers and Barriers
ES2.3.1: Market Drivers
ES2.3.2: Market Barriers
ES2.4: Financial Services and Payments Biometric Regulation and Technology
Standards
ES2.4.1: Regulation
ES2.4.2: Industry Regulation / Guidelines
ES2.4.3: Technology Standards
ES2.5 Technology and Market Adoption
ES2.5.1: Market Adoption and Analysis
ES2.5.1.2: Biometrics For Physical Payments
ES2.5.1.3: Biometrics for eCommerce Payments
ES2.5.1.4: Biometrics for mobile Payments - Wallets and Apps
ES2.5.1.5: Biometrics for Wearable Payments (wCommerce)
ES2.5.1.6: Biometrics for BitCoin and Blockchain Payments
ES2.5.1.7: Biometrics for ATMs (Cash Payments)
ES2.6: Biometric Technology - Analysis and Vendors
ES2.6.1: Behavioral Biometrics
ES2.6.1.1: Advantages and Disadvantages of Behavioral Biometrics
ES2.6.2: Iris Biometrics
ES 2.6.2.1 Advantages and Disadvantages of Iris Biometrics
ES2.6.3: Face Biometrics
ES2.6.3.1 Advantages and Disadvantages of Face Biometrics
ES2.6.4: Fingerprint Biometrics
ES2.6.4.1 Advantages and Disadvantages of Fingerprint Biometrics
Camera-Based Fingerprint Biometrics - Touchless
Advantages and Disadvantages of Senorless Fingerprint Biometrics
ES2.6.5: Heart Biometrics
ES2.6.5.1: Advantages and Disadvantages of Heart Biometrics
ES2.6.6: Voice Biometrics
ES2.6.6.1: Advantages and Disadvantages of Voice Biometrics
ES2.6.7: Finger-Vein Biometrics
ES2.6.7.1: Advantages and Disadvantages of Finger-Vein Biometrics
ES2.6.8: Palm-Vein Biometrics
ES2.6.8.1: Advantages and Disadvantages of Palm-Vein Biometrics
Palmprint
Introduction
Advantages and Disadvantages of Palmprint Biometrics
ES3: Forecasts
ES3.1 Methodology and Assumptions
ES3.2 Biometrics for Payments Forecasts
ES3.2.1 Introduction
ES3.2.2 Biometrics for Payments User Forecasts
ES3.2.2.1 Biometrics for Payments User Forecasts - By Technology.
ES3.2.2.2 Biometrics for Payments User Forecasts - By Payment Type
ES3.2.3 Biometrics for Payments Revenue Forecasts
ES3.2.3.1 Biometrics for Payments Revenue Forecasts - By Technology
ES3.2.4 Biometrics for Payment Transaction & Transaction Value Forecasts
ES3.2.4.1 Assumptions on Transaction & Transaction Value forecasts
ES3.2.4.2 Biometrics for Payments Transaction Forecasts - Total Transactions
ES3.2.4.3 Biometrics for Payments Transaction Forecasts - Total Value ($)
ES4: Conclusion

Market and Technology Analysis

Introduction
How is Biometrics used For Payments
Market Drivers and Barriers
Market Drivers
Market Barriers
Financial Services and Payments Biometric Regulation and Technology Standards
Introduction
Regulation
European Union (EU) General Data Protection Regulation (GDPR)
European Union Payment Services Directive (PSD2)
Anti-Money Laundering (AML) and Know Your Customer (KYC) Regulation.
Industry Regulation / Guidelines
PCI-DSS
USA FFIEC
US Economic Growth, Regulatory Relief, and Consumer Protection ACT - MOBILE
EMV
EMV 3D Secure
Bank of Korea
Bank of China
Hong Kong - The Office of the Privacy Commissioner for Personal Data
Technology Standards
Introduction
ISO
ANSI
UK CESG
USA NIST
The FIDO Alliance

Technology and Market Adoption

Market Adoption and Analysis
Biometrics For Physical Payments
Introduction
Biometric Sensor Integration into Point of Sale (POS) Terminal
Biometric Payment Cards - Embedded Biometric Sensor
Biometrics for eCommerce Payments
Protecting Financial Transactions for Users on the Go using BehavioSec’s Behavioral Biometrics Platfrom
W3C WebAuthn Standards - FIDO2 for Web Payments
Biometric Step-Up Verification for 3D Secure with RSA Adaptive Authentication
Biometrics for Mobile Payments - Wallets and Apps
Introduction
Smart Mobile Device OEMs and Platforms
Card Schemes.
eCommerce Payment Providers
Mobile Network Operators - Direct Carrier Billing
Biometrics and Identity Verification
Biometrics for Wearable Payments (wCommerce)
Introduction
Biometrics for BitCoin and CryptoCurrencies
Introduction
Biometrics for ATMs (Cash Payments)
Introduction
Cash
Biometric Technology Integrated into ATM
Biometric Technology Integrated into Separate Technology for use at ATM
Biometric Technology Integrated into Bank Card
Bitcoin ATMs
Introduction

Biometric Technology - Analysis and Vendors

Introduction
Behavioral Biometrics
Introduction
Technology Vendors and Service Providers
BehavioSec.
Biometric Signature ID
BioCatch
TypingDNA
Pricing
SecuredTouch
Advantages and Disadvantages of Behavioral Biometrics
Eye (Ocular) Biometrics
Introduction
Iris
Introduction
Iris
Introduction
Technology Vendors and Service Providers
Eyelock
Fotonation / Smart Sensors
Fingerprint Cards - ActiveIris
Princeton Identity
Nok Nok Labs
Advantages and Disadvantages of Iris Biometrics
Face
Introduction
Technology Vendors and Service Providers
Applied Recognition
Identity Verification - Applied Recognition
FaceTec
IDEMIA
KeyLemon
Iproov
SmilePass
Daon
AimBrain
Callsign
Advantages and Disadvantages of Face Biometrics
Fingerprint
Introduction
Technology Vendors and Service Providers ?Fingerprint Sensor Manufacturers and Authentication Integrators
Fingerprint Cards
IDEX
Limidigm - HID Global
NEXT Biometrics
Sonavation
Qualcomm
Synaptics Biometrics Product Division
BIO-key
Certibio
Zwipe
Advantages and Disadvantages of Fingerprint Biometrics (Sensors)
Camera-Based Fingerprint Biometrics - Touchless
Technology Vendors and Service Providers - Touchless Fingerprint Biometrics
Diamond Fortress Technologies
Veridium
Advantages and Disadvantages of Senorless Fingerprint Biometrics
Heart - ECG
The Nymi Band
B-Secur
Advantages and Disadvantages of Heart Biometrics
Voice
Introduction
Technology Vendors and Service Providers
Nice
Nuance
VoiceTrust
Advantages and Disadvantages of Voice Biometrics
Finger Vein
Introduction
Technology Vendors and Service Providers
Hitachi
Sthaler - Fingopay.
Advantages and Disadvantages of Finger-Vein Biometrics
Palm-Vein
Introduction
Fujitsu
Advantages and Disadvantages of Palm-Vein Biometrics
Palmprint
Introduction
Redrock Biometrics
Advantages and Disadvantages of Palmprint Biometrics

Forecasts

Methodology and Assumptions
Biometrics for Payments Forecasts
Introduction
Biometrics for Payments User Forecasts
Biometrics for Payments User Forecasts - By Technology.
Biometrics for Payments USer Forecasts - by technology: Fingerprint
Biometrics for Payment USer Forecasts - by technology: Voice
Biometrics for Payments USer Forecasts - by technology: Iris
Biometrics for Payment USer Forecasts - by technology: Behavioral
Biometrics for Payment USer Forecasts - by technology: Finger-Vein
Biometrics for Payments USer Forecasts - by technology: Palm-Vein
Biometrics for Payments USer Forecasts - by technology: Heart (ECG)
Biometrics for Payments USer Forecasts - by technology: Face
Biometrics for Payments USer Forecasts - by technology: Palmprint
Biometrics For Payments User Forecasts - By Payment Type
Biometrics for Payments USer Forecasts - by Payment Type: Physical Location - Naked Payments
Biometrics for Payments USer Forecasts - by Payment Type: Physical retail Store - Biometric Payment Cards
Biometrics for Payments USer Forecasts - by Payment Channel: eCommerce (Web)
Biometrics for Payments USer Forecasts - by Payment Channel: Mobile Commerce (mCommerce) - mobile Payments in Physical Locations
Biometrics for Payments USer Forecasts - by Payment Channel: Mobile Commerce (mCommerce) - mobile Payments in Remote Locations (In-App)
Biometrics for Payments USer Forecasts - by Payment Channel: Mobile Commerce (mCommerce) - Total mobile (Combined)
Biometrics for Payments USer Forecasts - by Payment Channel: Wearable Payments
Biometrics for Payments USer Forecasts - by Payment Channel: Wearable Payments
Biometrics for Payments USer Forecasts - by Payment Channel: Cryptocurrency
Biometrics for Payments USer Forecasts - by Payment Channel: IoT
Biometrics for Payment USer Forecasts - by Payment Channel: ATM for Cash
Biometrics for Payment USer Forecasts - by Payment Channel: Total Number of ATM Devices with Biometrics
Biometrics for Payments USer Forecasts - by technology: Biometric Identity Verification for Payments - Biometric eIDV
Biometrics for Payments USer Forecasts - by Payment Channel: Combined
Biometrics for Payment Revenue Forecasts
Assumptions on revenue forecasts
Biometrics for Payments Revenue Forecasts - by Technology: Fingerprint
Biometrics for Payments Revenue Forecasts - by Technology: Voice
Biometrics for Payments Revenue Forecasts - by Technology: Iris
Biometrics for Payments Revenue Forecasts - by Technology: Behavioral
Biometrics for Payments Revenue Forecasts - by Technology: Finger-Vein
Biometrics for Payments Revenue Forecasts - by Technology: Palm-Vein
Biometrics for Payments Revenue Forecasts - by Technology: Heart
Biometrics for Payments Revenue Forecasts - by Technology: Palmprint
Biometrics for Payments Revenue Forecasts - by Technology: Face
Biometrics for Payments Revenue Forecasts - by Technology: Combined
Biometrics for Payments Revenue Forecasts - eIDV for Payments
Biometrics for Payments Revenue Forecasts - by Architecture: Device-Based Biometrics
Biometrics for Payments Revenue Forecasts - by Architecture: Cloud-Based Biometrics
Biometrics for Banking Revenue Forecasts - Fingerprint Sensors for Biometric Payments Cards
Biometrics for Payment Transaction & Transaction Value Forecasts
Assumptions on Transaction & Transaction Value forecasts
Biometrics for Payments Transaction Forecasts - Total Transactions
Biometrics for Payments Transaction Forecasts - Total Value ($)

Appendices

Appendix A: Companies Referenced In This Report
Appendix B: How to Measure Biometric Technology? A Guide In Choosing the Right Biometric System
Introduction
Biometric Performance
Usability
Security
Regulation

 

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