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金融サービス向けモバイル生体認証:市場と技術分析、採用戦略と予測 2018-2023年 

Mobile Biometrics for Financial Services – 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
2019年1月GBP3,250
エンタープライズライセンス
206

サマリー

この調査レポートは、金融サービスにおけるモバイル生体認証の導入に関する詳細な分析を行っています。

世界の採用状況の最新情報、主な採用促進要因と阻害要因などの分析、主要利害関係者とのインタビュー、主要な生体認証技術の分析と解説、生体認証システム提供企業の情報、地域別と世界全体の2018年から2023年までの6年間のユーザと収益の予測などを掲載しています。

主な掲載内容

  • エグゼクティブサマリー
  • 市場と技術分析
  • モバイル生体認証技術概説
  • モバイル生体認証はどのように金融サービスに利用されているか
  • 市場促進要因と阻害要因
  • 法規制と技術規格
  • モバイル生体認証技術の採用と分析
  • バンキング
  • 決済
  • 現地(フィジカル)
  • 遠隔(アプリ)
  • モバイル生体認証技術分析とベンダレビュー
  • 予測
  • 技術別ユーザ
    • 指紋
    • 声紋
    • 虹彩
    • 行動
    • 掌形
  • ユーザタイプ
    • モバイル決済
    • 現地(フィジカル)
    • 遠隔(ウェブ&アプリ)
    • モバイルバンキング
    • モバイルeIDV

Report Summary

The second edition of Mobile Biometrics for Financial Services - Market & Technology Analysis, Adoption Strategies & Forecasts 2018-2023 is a 206 page analyst report that provides detailed analysis of the market and adoption of mobile biometrics for financial services.

Full Product Description

An investigation into the use of mobile biometrics for financial services, including payments and banking. This comprehensive report includes a review of current global adoption, 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 mobile biometric components and systems for financial services plus forecasts (regional and global) for users, devices, transactions and revenue within the six-year period 2018 to 2023.

This report is available at £3,250.00 for an Enterprise licence.

Coverage

This is the third report in the biometrics for financial services series and covers adoption strategies and forecasts for the use of mobile biometrics for banking and payments. Goode Intelligence forecasts that over US$1.67 trillion worth of mobile biometric payments will be made annually by 2023 generating over US$8.7 billion in revenue for suppliers.

The initial growth will mainly come from remote (digital) payments, a combination of mCommerce and eCommerce, aided by FIDO 2.0 (WebAuthn) standards. Goode Intelligence forecasts that during 2018 there is 68 percent remote mobile biometric payment users versus 32 percent local (physical – in-store). By 2023 the percentage of local mobile biometric payment users increases to 46 percent with remote accounting for 54 percent of total mobile biometric payment users.

The major trends that Goode Intelligence is seeing for this industry include:

  • Rise of mobile & multi-modal mobile-based biometric authentication
  • Biometric adoption in all channels supported by open banking APIs that support biometrics
  • Beginning of the deployment of single biometric platforms leveraging mobile biometrics to support multiple channels and both identity, authentication and fraud management functions
  • The growth of biometric identity verification (proofing) harnessing mobile face biometrics
  • Industry regulation will start to specifically reference biometrics as part of its guidance on two and multifactor authentication (EU PSD2, USA FFIEC guidelines and Bank of China and Korea legislation)
  • The growth of mobile face biometrics as a biometric technology that is versatile and can support identity verification and authentication
  • Leveraging the power of machine learning (ML) and Artificial Intelligence (AI) technology to improve biometric performance and spoof / liveness detection – both in-chip (on-device) and in-cloud
  • FIDO 2.0/WebAuthn standards and support by major browsers will accelerate mobile-based FIDO authentication for banking and payments

Report Contents / Forecasts

Executive Summary
Market & Technology Analysis
An introduction to mobile biometric technologies
How mobile biometrics are used for financial services
Market Drivers & Barriers
Regulation & Technology Standards
Mobile Biometric Technology; Adoption and Analysis
Banking
Payments
Local (physical)
Remote (App)
Mobile Biometric Technology Analysis & Vendor Review
Forecasts

Users by Technology including:

Face
Fingerprint
Voice
Iris
Behavioral
Palmprint

Users by Type including:

Mobile Payments
Local (physical)
Remote (Web & App)
Mobile Banking
Mobile eIDV

Companies Referenced in this report: Agricultural Bank of China, Aimbrain, Alibaba, Alipay, Amazon, American Express, Ant Financial, Applied Recognition, Apple, Atom Bank, Aware, Banco Popular de Puerto Rico, Bank of America, Bank of Scotland, Barclays, BehavioSec, BioCatch, Biometric SignatureID, BNP Paribas, Brightek, Certibio, China Construction Bank, China Union Pay, City Bank of Texas, Cognitec, Commercial Bank of China, Crossmatch, Daon, Deutsche Bank, Diamond Fortress, Diebold Nixdorf, Digital Insight, Diners Club, Egis, EMVCo, Epileds, Epistar, Epson, Encap, Experian, Eyelock, FIDO Alliance, Fingerprint Cards, First Direct, FotoNation, Fujitsu, GBG IDScan, Gemalto, Goldman Sachs, Goodix, Google, IDEMIA, IDology, ID R&D, InFocus, ING, iProov, İşbank, HSBC, HYPR, JCB, JP Morgan Chase, Jumio, KeyLemon, Kount, Leumi, Mastercard, Megvii, Microsoft, Mitek Systems, Nationwide Building Society, Natwest Bank, Nice, Nok Nok Labs, Noris Bank, NTT DOCOMO, Nuance, OCBC, OneSpan, Onfido, Osram, PayPal, Princeton Identity, RedRock Biometrics, Royal Bank of Scotland, RSA, Qualcomm, St Georges Bank, Safran, Samsung, Samsung SDS, SecuredTouch, Sharp, SmilePass, SoftKinetic, Sonavation, Sony, Synaptics, Tangerine Bank, TypingDNA, USAA, Veridium, Visa, Vishay, VoiceTrust, Westpac, Xiaomi , Yoti, Zoloz



目次

Table of Contents

Forward
Goode Intelligence
Author
Goode Intelligence Methodology
Regional Definitions
Executive Summary

ES1: Report Scope

ES2: Market and Technology Analysis

ES2.3: Market Drivers and Barriers
ES2.3.1: Market Drivers
ES2.3.2: Market Barriers
ES2.4: Financial Services 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
ES2.5.1.1: Mobile Biometrics for Banking
ES2.5.1.1: Mobile Biometrics for 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: Eye Biometrics
ES 2.6.2.1 Iris
ES 2.6.2.1.1 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
ES2.6.5: Voice Biometrics
ES2.6.5.1 Advantages and Disadvantages of Voice Biometrics
ES2.6.6: Palmprint Biometrics
ES2.6.6.1 Advantages and Disadvantages of Palmprint Biometrics

ES3: Forecasts

ES3.1 Methodology and Assumptions
ES3.2 Mobile Biometrics for Financial Services Forecasts
ES3.2.1 Introduction
ES3.2.2 Mobile Biometrics for Financial Services User Forecasts
ES3.2.2.1 Mobile Biometrics for Financial Services User Forecasts - By Technology (modality)
ES3.2.2.2 Mobile Biometrics for Financial Services User Forecasts - By Technology: Mobile Biometric Identity Verification for Financial Services - Biometric eIDV
ES3.2.2.3 Mobile Biometrics for Financial Services User Forecasts - By Type
ES3.2.3 Mobile Biometrics for Financial Services Revenue Forecasts
ES3.2.3.1 Mobile Biometrics for Financial Services Revenue Forecasts - By Technology
ES3.2.4 Mobile Biometrics for Payment Transaction Volume and Transaction Value Forecasts

ES4: Conclusion

Market and Technology Analysis

Introduction
Market Drivers and Barriers

Market Drivers
Market Barriers

Financial Services Biometric Regulation and Technology Standards

Introduction
Regulation
State and Federal 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
Mobile Biometrics For Banking
Introduction
Mobile Biometric Architecture For Banking
Introduction
Device-Based (local) Biometric Models
Cloud-Based Biometric Models
Biometrics for Electronic Banking - Web-Based Banking
Introduction
Biometric Step-Up Verification for 3D Secure with RSA Adaptive Authentication
Biometrics and Identity Verification
Mobile Biometrics for Telephone Banking / Contact Centre
Introduction
Barclays Bank streamlines telephone banking service by adopting voice biometrics
Apple Touch ID and Face ID - Allowing Banks to Support Mobile Biometrics
USAA Mobile Multi-Modal Biometrics Banking App - Results of Daon’s IdentityX Deployment
Biometric Technology Integrated into Separate Technology for use at ATM
Mobile Biometrics for Payments
Introduction
Smart Mobile Device OEMs and Platforms
Card Schemes
eCommerce Payment Providers
Mobile Network Operators - Direct Carrier Billing

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
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
KeyLemon
Iproov
SmilePass
Daon
AimBrain
IDEMIA
Advantages and Disadvantages of Face Biometrics

Fingerprint

Introduction
Technology Vendors and Service Providers ?Fingerprint Sensor Manufacturers and Authentication Integrators
Fingerprint Cards
Sonavation
Qualcomm
Synaptics Biometrics Product Division
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

Voice

Introduction
Technology Vendors and Service Providers
ID R&D
Nice
Nuance
VoiceTrust
Advantages and Disadvantages of Voice Biometrics

Palmprint

Introduction
Redrock Biometrics
Advantages and Disadvantages of Palmprint Biometrics

Forecasts

Methodology and Assumptions

Mobile Biometrics for Financial Services Forecasts

Introduction
Mobile Biometrics for Financial Services User Forecasts
Mobile Biometrics for Financial Services User Forecasts - By Technology
Mobile Biometrics for Financial services User Forecasts - by technology: Fingerprint
Mobile Biometrics for Financial Services User Forecasts - by technology: Voice
Mobile Biometrics for Financial Services User Forecasts - by technology: Iris
Mobile Biometrics for Financial Services User Forecasts - by technology: Behavioral
Mobile Biometrics for Financial Services User Forecasts - by technology: Face
Biometrics for Payments USer Forecasts - by technology: Palmprint
Mobile Biometrics For Financial Services User Forecasts - By Type
Mobile Biometrics For Financial Services User Forecasts - By Type: Banking
Mobile Biometrics For Financial Services User Forecasts - By Type: Payments
Mobile Biometrics For Financial Services User Forecasts - By Type: Local Payments
Mobile Biometrics For Financial Services User Forecasts - By Type: Remote Payments
Mobile Biometrics For Financial Services User Forecasts - By Type: Combined (Local and Remote)
Mobile Biometrics For Financial Services User Forecasts - By Type: Combined
Biometrics for Payments User Forecasts - by technology: Mobile Biometric Identity Verification for Financial Services - Biometric eIDV

Mobile Biometrics For Financial Services Revenue Forecasts

Assumptions on revenue forecasts
Mobile Biometrics for Financial Services Revenue Forecasts - by Technology: Fingerprint
Mobile Biometrics for Financial Services Revenue Forecasts - by Technology: Voice
Mobile Biometrics for Financial Services Revenue Forecasts - by Technology: Iris
Mobile Biometrics for Financial Services Revenue Forecasts - by Technology: Behavioral
Mobile Biometrics for Financial Services Revenue Forecasts - by Technology: Face
Mobile Biometrics for Financial Services Revenue Forecasts - by Technology: Palmprint
Mobile Biometrics for Financial Services Revenue Forecasts - Mobile eIDV for Financial Services
Mobile Biometrics for Financial Services Revenue Forecasts - Combined

Mobile Biometrics for Payment Transaction & Transaction Value Forecasts

Assumptions on Transaction & Transaction Value forecasts
Mobile Biometrics for Payments Transaction Forecasts - Total Transactions
Mobile Biometrics for Payments Transaction Forecasts - Total Value ($)

Appendices

Appendix A: How Can Banks Measure Biometric Technology? A Guide to Choosing the Right Biometric System
Introduction
Biometric Performance
Usability
Security
Banking Regulation

 

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