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生物识别付款市场 - 市场分析与技术分析，引进策略及预测(2025年～2030年)
市场调查报告书
商品编码
1648933

生物识别付款市场 - 市场分析与技术分析，引进策略及预测(2025年～2030年)

Biometric Payments - Market & Technology Analysis, Adoption Strategies and Forecasts 2025-2030
出版日期: | 出版商: Goode Intelligence | 英文 301 Pages | 商品交期: 请询问到货日

价格
简介目录

到 2030 年，预计将有 35 亿人受益于生物辨识技术实现安全支付。

本报告探讨了生物辨识支付市场及其如何融入支付流程的关键部分，从入职到支付处理再到诈欺侦测和预防。该报告还提供了当前全球采用状况的详细介绍，包括关键推动因素和阻碍因素的市场分析、主要利益相关者的访谈、对领先生物特征认证技术回顾的技术分析，以及提供用于支付的生物特征认证系统的公司概况。它还提供了 2025 年至 2030 年期间区域和全球用户、生物识别方式、设备、交易和收入的六年市场预测。

目录

序论

摘要整理

市场与技术的分析

  • 简介
  • 如何使用生物辨识技术进行支付
    • 简介
    • 主要趋势
    • 生物识别付款模式
      • 分散式生物识别付款模式
      • 集中型- 云端基础- 生物识别付款模式
  • 市场促进因素与阻碍因素

金融服务和付款的生物识别法规和技术标准

  • 简介
  • 法规
    • 资料保护条例
      • 欧盟 (EU) 一般资料保护规范 (GDPR)
      • 美国资料保护条例
      • 亚太地区资料保护条例
      • 南美洲资料保护条例
    • 欧盟支付服务指令 (PSD2)
    • 欧盟支付服务指令 (PSD3)
    • 反洗钱 (AML) 和了解你的客户 (KYC) 法规
    • 行业法规/指南
    • 中国支付协会

技术标准

  • 简介
  • ISO
  • ANSI
  • 英国CESG
  • 美国NIST
  • FIDO联盟

技术与市场的采用

  • 市场采用与分析
    • 简介
    • Payment Onboarding的生物识别- 本人确认
      • 简介
      • 采纳
      • 数位Onboarding- 供应商
    • 生物识别付款交易
      • 付款流通管道
    • 数位(电子商务)生物识别付款
      • 数位钱包
      • 行动OEM付款钱包
      • 支付卡

生物识别的付款

  • 零售
  • POS集成
  • 支付诈骗管理的生物识别

生物识别技术- 分析，预测，供应商

  • 简介
  • 行动生物辨识
    • 简介
    • 预测
    • 行动生物辨识的优点和缺点

脸

  • 简介
  • 预测
  • 脸部认证技术供应商及服务供应商
  • 脸部认证的优点和缺点

指纹

  • 简介
  • 预测
  • 技术供应商和服务供应商- 指纹感测器厂商与认证积分器(整合者)
  • 指纹生物识别(感测器)的优点和缺点

声音

  • 简介
  • 预测
  • 供应商
  • 语音生物识别的优点和缺点

手指静脉

  • 简介
  • 预测
  • 技术供应商和服务供应商
  • 手指静脉认证的优点和缺点

手掌静脉

  • 简介
  • 预测
  • 技术供应商和服务供应商
  • 手掌静脉认证的优点和缺点

掌纹

  • 简介
  • 预测
  • 掌纹生物识别的优点和缺点

预测

  • 调查手法与前提
  • 生物识别付款的预测
  • 生物识别付款的用户预测- 数位Onboarding
  • 生物识别付款的用户预测- 付款交易
  • 生物识别付款的预测- 生物识别各种模式
  • 生物识别付款的预测- 各设备
  • 生物识别付款的交易
  • 生物识别付款的收益预测
简介目录

Goode Intelligence forecasts that that 3.5 billion people will be benefiting from biometric technology to secure payments by 2030.

The 301 page report is the most comprehensive analysis of biometric payments investigating how biometrics is being integrated into all major parts of the payment process from onboarding, payment transacting, and fraud detection and prevention.

The report details current global adoption with market analysis including key drivers and barriers, interviews with leading stakeholders, technology analysis with review of key biometric technologies and profiles of companies supplying biometric systems for payments. It includes regional and global market forecasts for users, biometric modalities, devices, transactions and revenue for the six-year period from 2025 to 2030.

Coverage

This is the fourth edition of the Goode Intelligence Biometrics for Payments report, first published in 2015 and refreshed in 2018, 2021, and now for 2025.

The reports covers:

  • Investigation of important regulations and technology standards
  • Analysis of where biometrics is being adopted in the payment process, from digital onboarding, payment transactions, and fraud detection / prevention
  • Review of current global adoption
  • Market analysis, including key drivers and barriers for adoption across a wide range of payment scenarios
  • Technology analysis - what modalities are being adopted, where and why
  • Analysis of important technology vendors and services providers operating in this sector, including exclusive interviews and vendor profiles
  • Forecasts for users, biometric modalities, devices, transactions and revenue for the six-year period 2025 to 2030

The 301 page report is the most detailed and comprehensive guide to the market for biometrics for payments published to date exploring the adoption of biometric technology for payments across all major payment channels - from traditional to emerging - delivered by the world's leading biometrics analyst company with a track record of detailed analysis and accurate forecasts.

Key findings from the report include:

  • A movement away from device-based to server-based biometric technology to support higher value payment transactions in the mobile channel.
  • Increasing use of face biometrics and face liveness detection solutions to support identity verification and to prevent increasing levels of AI-driven fraud, including deepfakes.
  • Strengthening adoption for Tokenless (naked) biometric payments leveraging integrated biometric sensors at the physical point of sale (POS).
  • Rising levels of adoption for biometric technology in risk-based authentication and fraud management platforms to detect and prevent fraud.
  • The emergence of age assurance as an important part of the payment process, meeting government age related regulation including the UK's Online Safety Act (OSA).
  • Biometric Payment Cards evolving into a premium card product that can meet accessibility requirements.
  • Hybrid scenarios where a Biometric Digital ID offers payment as one of its applications/use cases in combination with:
    • Permission to travel (Fast lane border control)
    • Ticketing
    • Loyalty programs
  • Automotive
    • In-cabin payments
    • Support ride-share and autonomous

Alan Goode, founder and CEO of Goode Intelligence and author of the report, said "The pay by me revolution is well underway. Customers want choice for payments. They also want the assurance that payments are secure and safe. The payment experience also must be convenient with as little friction as possible. The average online cart abandonment rate currently stands at 70 percent, with 31 percent abandoned due to friction - often led by frustration of identity and authentication processes."

"Biometrics for payments is increasingly a vital part of a payment service providers' toolkit in the never-ending task of reducing financial fraud and ensuring that their customers can conveniently prove their identity and authorise transactions when paying for trillions of dollars' worth goods and services in a variety of payment channels. Supporting customers for the entire payment journey in both physical and digital scenarios from onboarding (identity verification) to authentication, transaction authorisation and fraud detection / prevention."

Biometric modalities covered include behavioral, face, fingerprint, finger-vein, palm-vein, palmprint, and voice. The report investigates adoption of biometric software and hardware.

The report forecasts that:

  • There will be over 3.5 billion biometric payment users by 2030.
  • Total revenue for biometric suppliers from payments will surpass $11.3 billion by 2030.

The report includes exclusive interviews with important stakeholders from the following companies:

  • Daon
  • iProov
  • Nuggets
  • IDEX Biometrics
  • Next Biometrics
  • Tapeeze
  • Thales

The following companies are referenced in the report:

Apple, ANSI, Ariadnext, Aadhaar, Apple Pay, Alipay, AU10TIX, American Express, Amazon Pay, Amazon One, Amadeus, Alibaba, Airport Authority of Hong Kong, Aramark, Allied Irish Bank (AIB), Bank of Korea, BehavioSec, Blik, BNP Paribas, Bank of China Hong King (BOCHK), Banco Bradesco, BioCatch, China Union Pay, Carte Bancaire, Cubic Transportation Systems, Clear, CDF-Lagardere, Crypto.com, CaxiaBank, Cerence, Cognitec, Daon, Diners Club, Danske Bank, Dermalog, Diebold, EMVco, Entrust, Eastern Bank PLC (EBL), Facebook (Meta), FIDO Alliance, Fujitsu, FacePhi, Feedzai, Face++, FaceTec, Fingerprint Cards, GBG, Google, Google Pay, G+D, Garanti BBVA, Gilbarco Veeder-Root, General Motors, Hong Kong International Airport (HKIA), HID Global, Honda, Hitachi, IDEMIA, IBM, ISO, iProov, IDnow, Idology, ID.me, IDPal, Incode, iDeal, IN Groupe, IDEX Biometrics, Itau Bank, Iris ID, IPS Group, ID R&D, Innovatrics, Jumio, Japan Credit Bureau (JCB), J.P. Morgan, Klarna, LexisNexis Risk Solutions, Lumidigm, LumenVox, Microsoft, Mitek, Mox, Microblink, Mastercard, MODO, Mobikwik, Mercedes Benz, Megvii, M2SYS, Nuggets, NIST, Nok Nok Labs, NTT DoCoMo, NCR, NEC, Nuance, Next Biometrics, NICE, Onfido, OCR Labs, OCBC, Payments and Clearing Association of China, Persona, PayPal, Paytm, PhonePe, PopID, PayEye, Parkopedia, Paravision, Phonexia, Precise Biometrics, Qualcomm, Reserve Bank of India, Redrock Biometrics, Revelock, State Bank of Vietnam, Standard Chartered Bank, Samsung, Samsung Pay, Synaptics, Silone CardTechThales, Trulioo, Toppan Forms Card, Tapeeze, TECH5, Thames Technology, TypigDNA, Tencent, UK CESG, Veriff, Visa, Veridas, Worldpay, WeChat Pay, Yoti, and Zwipe.

Table of Contents

Forward

  • Goode Intelligence
  • Author
  • Goode Intelligence Methodology
  • Regional Definitions

Executive Summary

  • ES1. Report Scope
  • ES2. How are Biometrics used For Payments
  • ES3. Forecasts
    • ES3.1. Methodology and Assumptions
    • ES3.2. Biometric Payments Forecasts
      • ES3.2.1. Introduction
      • ES3.2.2. Biometric Payments User Forecasts - By Payment Process
      • ES3.2.3. Biometric Payments Forecasts - By Biometric Modality
      • ES3.2.4. Biometric Payments Forecasts - By Device
      • ES3.2.4. Biometric Payments Forecasts - By Transactions
      • ES3.2.5. Biometric Payments Revenue Forecasts
  • ES4. Summary

Market and Technology Analysis

  • Introduction
  • How is Biometrics used For Payments?
    • Introduction
    • Major Trends
    • Biometric Payment Models
      • Decentralized Biometric Payment Model
      • Centralized - Cloud-Based - Biometric Payment Model
  • Market Driver s and Barriers
    • Market Drivers
    • Market Barriers

Financial Services and Payments Biometric Regulation and Technology Standards

  • Introduction
  • Regulation
    • Data Protection Regulation
      • European Union (EU) General Data Protection Regulation (GDPR)
      • USA Data protection Regulation
        • California
        • Illinois
        • New York
        • Texas
        • Washington
      • Asia-Pacific Data protection Regulation
        • Australia
        • Singapore
      • South America Data protection Regulation
        • Brazil
    • European Union Payment Services Directive (PSD2)
    • European Union Payment Services Directive (PSD3)
    • Anti-Money Laundering (AML) and Know Your Customer (KYC) Regulation
    • Industry Regulation / Guidelines
      • PCI-DSS
      • USA FFIEC
      • EMV
        • EMV 3D Secure
      • Bank of Korea
      • State Bank of Vietnam
    • The Payments and Clearing Association of China

Technology Standards

  • Introduction
  • ISO
  • ANSI
  • UK CESG
  • USA NIST
  • The FIDO Alliance

Technology and Market Adoption

  • Market Adoption and Analysis
    • Introduction
    • Biometrics for Payment Onboarding - Identity Verification
      • Introduction
      • Adoption
        • China - Hong Kong
        • Biometric Payment Onboarding - Forecasts
      • Digital Onboarding - Suppliers
        • Insight - Interview with Nuggets
    • Biometric Payment Transactions
      • Payment Channels
    • Digital (eCommerce) Biometric Payments
      • Digital Wallets
      • Mobile OEM Payment Wallets
        • Apple Pay
        • Google Pay
        • Samsung Pay
        • Alternative Payment Providers of Digital Wallets
        • Payment Card Scheme Digital Wallets
        • Bank Payment Wallets
      • Payment Cards

Physical Biometric Payments

  • Retail
    • Mobile Payments - Digital Wallets
    • Biometric Payment Cards
    • How does the technology work
    • Advantages of Biometric Payment Cards
    • Biometric Payment Card Ecosystem
    • Biometric Payment Card Commercial Rollouts
    • Biometric Payment Cards - Insights
    • Biometric Payment Cards - Forecasts
  • POS Integration
    • Introduction
    • POS Integrated Biometric Payments - Market Adoption/Analysis
      • Dermalog - FingerPayment
      • Clear - Biometric Payment at USA Footbal Stadia
      • PayEye - Iris-based Payments in Poland and Worldwide
      • Aadhaar Pay
      • Alipay "Smile to Pay"
      • WeChat Pay - Pay by Palm
      • Amazon One - Palm Biometric Payments
      • J.P. Morgan
    • Forecasts
    • Biometric ATMs (Cash Payments)
    • Introduction
    • Cash
      • Biometric Technology Integrated into ATM
    • Other
      • Automative - In-Car Payments
    • Forecasts
      • Airports
      • Sports and Entertainment Venues
  • Biometrics For Payment Fraud Management
    • Introduction
    • Biometrics For Payment Fraud - Adoption
      • Protecting Payment Transactions for Users on the Go using LexisNexis Risk Solution BehavioSec Behavioral Biometrics Platfrom
      • Ireland - AIB Partners with Daon for Selfie Payment Check
    • Forecasts

Biometric Technology - Analysis, Forecasts & Vendors

  • Introduction
  • Behavioral Biometrics
    • Introduction
    • Forecasts
      • Biometric Payment User Forecasts - Behavioral
      • Biometric Payment Revenue Forecasts - Behavioral
      • LexisNexis Risk Solutions BehavioSec
      • BioCatch
      • Feedzai
      • TypingDNA
    • Advantages and Disadvantages of Behavioral Biometrics

Face

  • Introduction
  • Forecasts
    • Biometric Payment User Forecasts - Face
    • Biometric Payment Revenue Forecasts - Face
  • Face Biometric Technology Vendors and Service Providers
    • Cognitec
    • Daon
      • Goode Intelligence Interview with Daon
    • FaceTec
    • FacePhi
    • Face++
    • IDEMIA
    • ID R&D
    • IProov
      • Goode Intelligence Interview with iProov
    • Paravision
    • Thales
  • Advantages and Disadvantages of Face Biometrics

Fingerprint

  • Introduction
  • Forecasts
    • Biometric Payment User Forecasts - Fingerprint
    • Biometric Payment Revenue Forecasts - Fingerprint
  • Technology Vendors and Service Providers -Fingerprint Sensor Manufacturers and Authentication Integrators
    • Dermalog
    • Fingerprint Cards
    • IDEX Biometrics
      • Goode Intelligence Interview with IDEX Biometrics
    • Limidigm - HID Global
    • NEXT Biometrics
      • Goode Intelligence Interview with NEXT Biometrics
    • Precise Biometrics
    • Qualcomm
    • Zwipe
  • Advantages and Disadvantages of Fingerprint Biometrics (Sensors)

Voice

  • Introduction
  • Forecasts
    • Biometric Payment User Forecasts - Voice
    • Biometric Payment Revenue Forecasts - Voice
  • Providers
    • Nice
    • Nuance
    • Lumenvox
    • Phonexia
  • Advantages and Disadvantages of Voice Biometrics

Finger Vein

  • Introduction
  • Forecasts
    • Biometric Payment Forecasts - Finger-Vein Sensor Shipments
    • Biometric Payment Revenue Forecasts - Finger-Vein
  • Technology Vendors and Service Providers
    • Hitachi
  • Advantages and Disadvantages of Finger-Vein Biometrics

Palm-Vein

  • Introduction
  • Forecasts
    • Biometric Payment Forecasts - By Modality: Palm-Vein Sensor Shipments
    • Biometric Payment Revenue Forecasts - By Biometric Modalitry: Palm-Vein
  • Technology Vendors and Service Providers
    • Amazon One
    • Fujitsu
  • Advantages and Disadvantages of Palm-Vein Biometrics

Palmprint

  • Introduction
  • Forecasts
    • Biometric Payment Forecasts - By Modality: Palmprint
    • Biometric Payment Revenue Forecasts - By Biometric Modality: Palmprint
    • Redrock Biometrics
  • Advantages and Disadvantages of Palmprint Biometrics

Forecasts

  • Methodology and Assumptions
  • Biometric Payments Forecasts
    • Introduction
    • Biometric Payments User Forecasts - By Payment Process
      • Biometric Payments User Forecasts - Digital Onboarding
      • Biometric Payments User Forecasts - Payment Transactions
        • Biometric Payments User Forecasts - Digital Transaction Users
        • Biometric Payments User Forecasts - Physical Transaction Users
          • Biometric Payment User Forecasts - Mobile Wallet Users at the Point-Of-Sale
          • Biometric Payment User Forecasts - Biometric Payment Card Users
          • Biometric Payment User Forecasts - Integrated POS Users
          • Biometric Payment User Forecasts - Total Physical Users
        • Biometric Payments User Forecasts - Biometric Fraud Management
        • Biometric Payments User Forecasts - Total (Combined) Users
      • Biometric Payments Forecasts - By Biometric Modality
        • Biometric Payments Forecasts - by Modality: Fingerprint
        • Biometric Payments Forecasts - by Modality: Voice
        • Biometric Payment Forecasts - by Modality: Face
        • Biometric Payments Forecasts - by Modality: Behavioral
        • Biometric Payments Forecasts - by Modality: Finger-Vein sensor Shipments
        • Biometric Payments Forecasts - by Modality: Palm-Vein sensor Shipments
        • Biometric Payments Forecasts - by Modality: Palmprint
      • Biometric Payments Forecasts - By Device
        • Biometric Payments Forecasts - by Device: POS Terminals
        • Biometric Payments Forecasts - by Device: Automotive
      • Biometric Payment Transactions
        • Biometric Payment Digital Onboarding Transactions
        • Biometric Payment Physical Transactions: By Integrated POS
        • Biometric Payment Physical Transactions: By Automotive
        • Biometric Payment Fraud Management Transactions
        • Total Biometric Payment Transactions
      • Biometric Payments Revenue Forecasts
        • Assumptions on revenue forecasts
        • Biometric Payments Revenue Forecasts - by Payment Process: Biometric Digital Onboarding (IDV)
        • Biometric Payments Revenue Forecasts - by Payment Process: Biometric Digital Transactions
        • Biometric Payments Revenue Forecasts - by Payment Process: Biometric Fraud Management
        • Biometric Payments Revenue Forecasts - by Biometric Modality: Fingerprint
        • Biometric Payments Revenue Forecasts - by Biometric Modality: Voice
        • Biometric Payments Revenue Forecasts - by Biometric Modality: Behavioral
        • Biometric Payments Revenue Forecasts - by Biometric Modality: Finger-Vein
        • Biometric Payments Revenue Forecasts - by Biometric Modality: Palm-Vein
        • Biometric Payments Revenue Forecasts - by Biometric Modality: Palmprint
        • Biometric Payments Revenue Forecasts - by Biometric Modality: Face
        • Biometric Payments Revenue Forecasts - By Device: Biometric Payments Cards
        • Biometric Payments Revenue Forecasts - By Device: Integrated POS Terminals
        • Biometric Payments Revenue Forecasts - by Device: Automotive
        • Biometric Payments Revenue Forecasts - Total (Combined) Revenue