掌上支付技术市场机会、成长动力、产业趋势分析及 2025-2034 年预测

2024 年全球掌上支付技术市场价值为 6,840 万美元，预计 2025 年至 2034 年期间的复合年增长率为 26.1%。随着数位支付解决方案不断重塑金融格局，掌上支付技术正在成为改变游戏规则的因素，提供安全的非接触式交易，从而提高用户的便利性。这种成长的动力源于生物辨识认证方法的日益普及、无现金经济的推动以及对防诈欺金融解决方案日益增长的需求。企业和消费者都优先考虑安全性、速度和无缝支付体验，使得掌上支付成为各行各业备受追捧的解决方案。

金融包容性是这项技术的另一个主要驱动力。在许多地区，传统银行基础设施仍然有限，这使得生物识别支付解决方案成为无银行帐户人群的一种有吸引力的替代方案。掌上支付技术使用户无需卡片、PIN 或智慧型手机即可进行交易，降低了金融服务的门槛。该技术在零售、银行和酒店等快速高效交易至关重要的行业尤其有益。随着监管框架和安全标准的发展，企业更倾向于投资尖端生物辨识解决方案，以降低诈欺风险并增强消费者信任。

市场按解决方案细分为硬体、软体和服务，其中硬体部分处于领先地位。到 2024 年，掌上支付硬体的价值将达到 4,290 万美元，随着企业寻求简化结帐流程并提高营运效率，对掌上支付硬体的需求正在加速成长。先进硬体的整合可确保快速验证，减少等待时间并增强客户体验。随着越来越多的企业部署生物辨识销售点 (POS) 系统，对强大且可扩展的硬体解决方案的需求不断增加。

掌上支付市场的认证方法分为掌静脉辨识、掌纹辨识、混合技术。这些生物辨识解决方案具有高水准的准确性和安全性，使其成为预防诈欺至关重要的行业的理想选择。尤其是掌静脉识别，由于其能够捕捉和分析独特的静脉模式，确保精确的身份验证，而得到了广泛的应用。由于对更复杂的诈欺预防措施的需求，预计到 2034 年，该领域的复合年增长率将达到 27.2%。先进的静脉提取技术简化了身分验证，同时加强了安全性，使企业能够提供更安全、更可靠的支付方式。

北美是掌上支付应用的领先地区，2024 年市场价值将达到 2,440 万美元。该地区完善的数位基础设施和精通技术的消费者群体正在加速零售、金融和其他关键产业的应用。尤其是美国，预计将实现指数级成长，预计到 2034 年市场规模将达到 1.905 亿美元。生物辨识支付解决方案的广泛实施正在增强交易安全性并改善用户体验，使掌上支付技术成为未来数位支付的关键参与者。随着企业和消费者继续优先考虑安全性和效率，基于掌心的生物识别认证的整合将在塑造非接触式支付解决方案的发展中发挥关键作用。

目录

第一章：方法论与范围

第二章：执行摘要

第三章：行业洞察

• 产业生态系统分析
• 产业衝击力
  • 成长动力
    • 金融包容性和数位支付采用率不断提高
    • 生物特征识别技术和人工智慧的进步
    • 消费者对安全、便利、卫生的支付方式的需求日益增长
    • 零售和酒店业蓬勃发展
  • 产业陷阱与挑战
    • 隐私和资料安全问题
    • 实施成本高
• 成长潜力分析
• 监管格局
• 技术格局
• 未来市场趋势
• 差距分析
• 波特的分析
• PESTEL分析

第四章：竞争格局

• 介绍
• 公司市占率分析
• 主要市场参与者的竞争分析
• 竞争定位矩阵
• 策略仪表板

第五章：市场估计与预测：按解决方案，2021 年至 2034 年

• 主要趋势
• 硬体
  • 本地
  • 在云端
• 软体

第六章：市场估计与预测：依认证方法，2021 年至 2034 年

• 主要趋势
• 掌静脉识别
• 掌纹识别
• 混合方法

第七章：市场估计与预测：依安全级别，2021 年至 2034 年

• 主要趋势
• 单因子身份验证（SFA）
• 多重身份验证 (MFA)

第八章：市场估计与预测：依最终用途，2021 年至 2034 年

• 主要趋势
• 零售与电子商务
• 银行和金融
• 卫生保健
• 饭店和娱乐
• 教育
• 运输
• 其他的

第九章：市场估计与预测：按地区，2021 年至 2034 年

• 主要趋势
• 北美洲
  • 我们
  • 加拿大
• 欧洲
  • 德国
  • 英国
  • 法国
  • 西班牙
  • 义大利
  • 荷兰
• 亚太地区
  • 中国
  • 印度
  • 日本
  • 澳洲
  • 韩国
• 拉丁美洲
  • 巴西
  • 墨西哥
  • 阿根廷
• 中东和非洲
  • 沙乌地阿拉伯
  • 南非
  • 阿联酋

第十章：公司简介

• Amazon.com, Inc.
• Fujitsu
• Hangzhou Hikvision Digital Technology Co., Ltd.
• Identytech Solutions America, Inc.
• M2SYS Technology
• Mantra Softech (India) Pvt. Ltd.
• NEC Corporation
• Palmsure Solutions
• Redrock Biometrics
• ZKTECO CO., LTD.

The Global Palm Payment Technology Market, valued at USD 68.4 million in 2024, is projected to grow at a CAGR of 26.1% between 2025 and 2034. As digital payment solutions continue to reshape financial landscapes, palm payment technology is emerging as a game-changer, offering secure, contactless transactions that enhance user convenience. This growth is fueled by the increasing adoption of biometric authentication methods, the push toward cashless economies, and a rising demand for fraud-proof financial solutions. Businesses and consumers alike are prioritizing security, speed, and seamless payment experiences, making palm payment a highly sought-after solution across industries.

Financial inclusion is another major driver of this technology. In many regions, traditional banking infrastructure remains limited, making biometric payment solutions an attractive alternative for unbanked populations. Palm payment technology enables users to make transactions without the need for cards, PINs, or smartphones, reducing barriers to financial services. The technology is particularly beneficial in sectors like retail, banking, and hospitality, where quick and efficient transactions are paramount. As regulatory frameworks and security standards evolve, businesses are more inclined to invest in cutting-edge biometric solutions to mitigate fraud risks and enhance consumer trust.

The market is segmented by solution into hardware, software, and services, with the hardware segment leading the way. Valued at USD 42.9 million in 2024, the demand for palm payment hardware is accelerating as businesses seek to streamline checkout processes and improve operational efficiency. The integration of advanced hardware ensures rapid authentication, reducing wait times and enhancing customer experiences. As more businesses deploy biometric point-of-sale (POS) systems, the need for robust and scalable hardware solutions continues to rise.

Authentication methods in the palm payment market are classified into palm vein recognition, palm print recognition, and hybrid techniques. These biometric solutions provide high levels of accuracy and security, making them ideal for industries where fraud prevention is critical. Palm vein recognition, in particular, is gaining widespread adoption due to its ability to capture and analyze unique vein patterns, ensuring precise authentication. This segment is expected to grow at a CAGR of 27.2% through 2034, driven by the need for more sophisticated fraud prevention measures. Advanced vein extraction technologies are simplifying authentication while strengthening security, allowing businesses to offer safer and more reliable payment options.

North America is at the forefront of palm payment adoption, with the market valued at USD 24.4 million in 2024. The region's well-established digital infrastructure and tech-savvy consumer base are accelerating adoption across retail, finance, and other key sectors. The United States, in particular, is poised for exponential growth, with the market expected to reach USD 190.5 million by 2034. The widespread implementation of biometric payment solutions is enhancing transaction security and improving user experience, positioning palm payment technology as a key player in the future of digital payments. As businesses and consumers continue to prioritize security and efficiency, the integration of palm-based biometric authentication will play a crucial role in shaping the evolution of contactless payment solutions.

Table of Contents

Chapter 1 Methodology and Scope

• 1.1 Market scope and definitions
• 1.2 Research design
  • 1.2.1 Research approach
  • 1.2.2 Data collection methods
• 1.3 Base estimates and calculations
  • 1.3.1 Base year calculation
  • 1.3.2 Key trends for market estimation
• 1.4 Forecast model
• 1.5 Primary research and validation
  • 1.5.1 Primary sources
  • 1.5.2 Data mining sources

Chapter 2 Executive Summary

• 2.1 Industry 360⁰ synopsis

Chapter 3 Industry Insights

• 3.1 Industry ecosystem analysis
• 3.2 Industry impact forces
  • 3.2.1 Growth drivers
    • 3.2.1.1 Rising financial inclusion and digital payment adoption
    • 3.2.1.2 Advancements in biometric recognition technology and AI
    • 3.2.1.3 Consumers' growing desires for safe, easy, and hygienic payment options
    • 3.2.1.4 Growing retail and hospitality sectors
  • 3.2.2 Industry pitfalls and challenges
    • 3.2.2.1 Privacy and data security concerns
    • 3.2.2.2 High implementation costs
• 3.3 Growth potential analysis
• 3.4 Regulatory landscape
• 3.5 Technology landscape
• 3.6 Future market trends
• 3.7 Gap analysis
• 3.8 Porter's analysis
• 3.9 PESTEL analysis

Chapter 4 Competitive Landscape, 2024

• 4.1 Introduction
• 4.2 Company market share analysis
• 4.3 Competitive analysis of major market players
• 4.4 Competitive positioning matrix
• 4.5 Strategy dashboard

Chapter 5 Market Estimates and Forecast, By Solution, 2021 – 2034 ($ Mn)

• 5.1 Key trends
• 5.2 Hardware
  • 5.2.1 On-premises
  • 5.2.2 On Cloud
• 5.3 Software

Chapter 6 Market Estimates and Forecast, By Authentication Method, 2021 – 2034 ($ Mn)

• 6.1 Key trends
• 6.2 Palm vein recognition
• 6.3 Palm print recognition
• 6.4 Hybrid methods

Chapter 7 Market Estimates and Forecast, By Security Level, 2021 – 2034 ($ Mn)

• 7.1 Key trends
• 7.2 Single-Factor Authentication (SFA)
• 7.3 Multi-Factor Authentication (MFA)

Chapter 8 Market Estimates and Forecast, By End use, 2021 – 2034 ($ Mn)

• 8.1 Key trends
• 8.2 Retail & e-commerce
• 8.3 Banking and finance
• 8.4 Healthcare
• 8.5 Hospitality & entertainment
• 8.6 Education
• 8.7 Transportation
• 8.8 Others

Chapter 9 Market Estimates and Forecast, By Region, 2021 – 2034 ($ Mn)

• 9.1 Key trends
• 9.2 North America
  • 9.2.1 U.S.
  • 9.2.2 Canada
• 9.3 Europe
  • 9.3.1 Germany
  • 9.3.2 UK
  • 9.3.3 France
  • 9.3.4 Spain
  • 9.3.5 Italy
  • 9.3.6 Netherlands
• 9.4 Asia Pacific
  • 9.4.1 China
  • 9.4.2 India
  • 9.4.3 Japan
  • 9.4.4 Australia
  • 9.4.5 South Korea
• 9.5 Latin America
  • 9.5.1 Brazil
  • 9.5.2 Mexico
  • 9.5.3 Argentina
• 9.6 Middle East and Africa
  • 9.6.1 Saudi Arabia
  • 9.6.2 South Africa
  • 9.6.3 UAE

Chapter 10 Company Profiles

• 10.1 Amazon.com, Inc.
• 10.2 Fujitsu
• 10.3 Hangzhou Hikvision Digital Technology Co., Ltd.
• 10.4 Identytech Solutions America, Inc.
• 10.5 M2SYS Technology
• 10.6 Mantra Softech (India) Pvt. Ltd.
• 10.7 NEC Corporation
• 10.8 Palmsure Solutions
• 10.9 Redrock Biometrics
• 10.10 ZKTECO CO., LTD.