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银行和金融服务物联网市场规模、份额和趋势分析报告:2024-2030 年按组件、部署、解决方案、最终用途、地区和细分市场进行的预测IoT In Banking And Financial Services Market Size, Share & Trends Analysis Report By Component (Hardware, Software), By Deployment (On-premise, Cloud), By Solution, By End-use, By Region, And Segment Forecasts, 2024 - 2030 |
到 2023 年,全球银行和金融服务物联网市场规模预计为 575.5 亿美元,2024 年至 2030 年复合年增长率预计为 11.9%。
物联网技术的兴起透过彻底改变客户互动方式,日益影响银行和金融服务的成长。物联网设备提供对客户行为和偏好的即时洞察,提供高度个人化和无缝的服务体验。例如,支援物联网的可穿戴设备可以通知客户异常交易或申请支付时间表,从而改变传统的服务模式。这种更个人化互动的趋势将提高客户满意度,并推动银行和金融服务物联网市场的扩张。
此外,物联网技术透过自动化和即时监控帮助金融机构更新业务并降低成本。物联网感测器可以追踪资产运作状况、管理能源使用情况并优化分店业务。智慧型 ATM 和连网型安全系统等自动化流程减少了人工干预的需要,并提高了服务可靠性。此外,物联网支援的资料分析为流程改进和资源分配提供了见解。这些效率的提高将为银行和金融服务供应商带来更低的成本和更高的盈利,从而推动市场成长。
物联网提供先进的安全解决方案,保护金融机构及其客户免受网路威胁和诈骗。连接摄影机和生物识别感测器等物联网设备增强了银行分店和 ATM 的实体安全。此外,支援物联网的系统可以即时监控交易并侦测异常模式,为您提供潜在诈骗的即时警告。物联网与人工智慧 (AI) 的整合将进一步增强预测分析和风险评估。改善安全措施可以建立客户信任、保护金融资产并促进市场成长。
此外,物联网设备的激增会产生大量资料,可以对这些数据进行分析以产生有价值的业务见解。金融机构可以使用物联网资料来了解市场趋势、客户行为和业务绩效。先进的分析工具处理这些资料,为策略决策提供可行的见解。例如,银行可以识别盈利的客户群、优化产品供应并预测市场变化。资料主导的策略使金融机构能够保持竞争力并响应市场需求,推动市场成长。
此外,物联网可以开发创新的金融产品和服务,以满足不断变化的客户需求。例如,基于使用情况的保险利用汽车中的物联网感测器根据驾驶行为提供个人化保费。支援物联网的设备还可以促进新的付款方式,例如非接触式付款和穿戴式支付,从而提高客户的便利性。此外,物联网支援创建智慧合约和基于区块链的金融解决方案,以简化交易并减少中介机构。这些创新吸引了精通技术的客户,为金融机构创造了新的收益来源,并为市场成长做出了贡献。
The global IoT in banking and financial services market size was estimated at USD 57.55 billion in 2023 and is expected to grow at a CAGR of 11.9% from 2024 to 2030. The rise of IoT technology is increasingly shaping the growth of banks and financial services by revolutionizing customer interactions. IoT devices provide real-time insights into customer behaviors and preferences, leading to highly personalized and seamless service experiences. For instance, IoT-enabled wearables notify customers about unusual transactions or upcoming bill payments, transforming traditional service models. This trend towards more tailored interactions boosts customer satisfaction and drives market expansion in IoT for banking and financial services.
Moreover, IoT technology helps financial institutions update operations and reduce costs through automation and real-time monitoring. IoT sensors can track asset conditions, manage energy usage, and optimize branch operations. Automated processes, such as smart ATMs and connected security systems, reduce the need for manual intervention and enhance service reliability. In addition, IoT-driven data analytics provides insights into process improvements and resource allocation. These efficiency gains translate into cost savings and higher profitability for banks and financial services providers, driving market growth.
The IoT offers advanced security solutions that protect financial institutions and their customers from cyber threats and fraud. IoT devices, such as connected cameras and biometric sensors, enhance physical security at bank branches and ATMs. Moreover, IoT-enabled systems can monitor transactions and detect unusual patterns in real time, triggering immediate alerts for potential fraud. Integrating IoT with artificial intelligence (AI) further enhances predictive analytics and risk assessment. Improved security measures build customer trust and safeguard financial assets, driving market growth.
Moreover, the increase in IoT devices generates vast amounts of data, which can be analyzed to gain valuable business insights. Financial institutions can use IoT data to understand market trends, customer behavior, and operational performance. Advanced analytics tools process this data to provide actionable insights for strategic decision-making. For instance, banks can identify profitable customer segments, optimize product offerings, and predict market shifts. Data-driven strategies enable financial institutions to stay competitive and responsive to market demands, fueling market growth.
Furthermore, IoT enables the development of innovative financial products and services that cater to evolving customer needs. For instance, usage-based insurance, powered by IoT sensors in vehicles, offers personalized premiums based on driving behavior. IoT-enabled devices can also facilitate new payment methods, such as contactless and wearable payments, enhancing customer convenience. In addition, IoT supports the creation of smart contracts and blockchain-based financial solutions, streamlining transactions and reducing intermediaries. These innovations attract tech-savvy customers and open new revenue streams for financial institutions, contributing to the market's growth.
Global IoT In Banking And Financial Services Market Report Segmentation
This report forecasts and estimates revenue growth at the global, regional, and country levels along with analyzes the latest market trends and opportunities in each one of the sub-segments from 2018 to 2030. For this study, Grand View Research has further segmented the global IoT in banking and financial services market report based on component, deployment, solution, end-use, and region: