市场调查报告书
商品编码
1464714
3D 安全付款认证市场:按组件、付款方式、组织规模、产业划分 - 全球预测 2024-2030 年3D Secure Payment Authentication Market by Component (Access Control Server, Merchant Plug-in), Payment Methods (Credit Cards, Debit Cards, Digital Wallets), Organization Size, Vertical - Global Forecast 2024-2030 |
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预计2023年3D安全付款认证市场规模为13.5亿美元,预计2024年将达15.2亿美元,2030年将达31.1亿美元,复合年增长率为12.55%。
3D(三域)安全支付认证,通常缩写为3DS,是一种用于减少线上信用卡和签帐金融卡交易中的诈欺并增强数位支付安全性的安全通讯协定。这种身份验证是透过在交易获得核准之前添加额外的检验层来实现的。当持卡人在支援 3DS 的网站上进行购买时,在输入其卡片资讯后,他们通常会被重定向到发卡机构的 3DS 介面。持卡人必须透过输入密码、回覆文字讯息或使用生物识别来验证自己的身分。 3D Secure 旨在透过验证持卡人的身分来防止诈欺卡片使用并保护商家免受诈欺活动的侵害。 3D安全付款认证市场的成长主要是由于人们对线上交易安全性的日益关注而推动的。网路购物的兴起以及随之而来的对安全付款闸道的需求正在推动市场的显着成长。然而,他们面临技术复杂性和消费者摩擦等挑战,因为额外的身份验证步骤可能导致购物车放弃率增加。一些担心实施成本和缺乏通用标准的商家抵制变革也是市场扩张的主要障碍。儘管存在这些阻碍因素,利用人工智慧等新技术仍提供了增强安全功能的机会。随着政府继续推动数位化,对安全可靠的线上付款解决方案的需求为扩大市场格局带来了强劲的未来前景。
主要市场统计 | |
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基准年[2023] | 13.5亿美元 |
预测年份 [2024] | 15.2亿美元 |
预测年份 [2030] | 31.1亿美元 |
复合年增长率(%) | 12.55% |
高度偏好存取控制伺服器,以最大程度地减少元件身份验证过程中的摩擦
存取控制伺服器 (ACS) 是 3D 安全付款验证框架中的关键元件。 ACS的主要功能是透过密码、生物辨识、一次性密码等多种认证方式,在网路交易时检验持卡人的身分。对 ACS 的需求源自于增强交易安全性和减少诈欺可能性的需求。商家插件 (MPI) 是 3D Secure 生态系统的另一个关键要素。 MPI 充当商家和 ACS 之间的介面。 MPI 的作用是收集消费者的卡片资讯并将其传输给 ACS 以开始身份验证过程。对于商家而言,MPI 对于确保遵守付款网路要求并促进安全交易至关重要。
支付方式:数位钱包在年轻一代中越来越受欢迎
信用卡是一种流行的付款方式,允许消费者赊购并推迟付款。信用卡交易透过 3D 安全通讯协定进行身份验证,并需要密码或生物识别,从而提供额外的安全层。这种保护可以保护持卡人和发卡机构免受非法贸易的侵害。签帐金融卡允许客户直接从其银行帐户支付商品和服务费用。与信用卡一样,签帐金融卡使用 3D 安全身份验证来验证持卡人的身份并最大限度地降低非法贸易的风险。这种增强的身份验证过程对于维护直接银行付款的完整性至关重要。随着行动和电子商务的兴起,数位钱包已成为一种便捷的付款方式。用户可以将他们的信用卡、金融卡甚至银行帐户连结到数位钱包平台。 3D 安全身份验证还可以整合到数位钱包交易中,利用加密和标记化技术提供简化且安全的付款流程。
组织规模:由于 3DS 的可扩展性和综合功能,大型企业越来越多地采用 3DS
大型企业通常每天处理大量交易。需要强大、可扩展且安全的付款身份验证系统来防止诈欺并确保客户信任。这种规模的企业通常更喜欢提供高级功能的 3D Secure 解决方案,例如基于风险的身份验证,可以智慧评估每笔交易的风险级别,并为用户提供顺畅的体验。小型企业与大型企业有不同的需求。中小型企业倾向于重视易于实施和维护且具成本效益的 3DS 解决方案。由于中小型企业规模较大,因此更容易受到诈欺,因此安全的付款验证系统非常重要。
按行业划分:旅游和酒店业需要高吞吐量、易于使用的 3D 安全解决方案
对于金融机构来说,3D安全付款认证的要求对于维护交易完整性和客户信任至关重要。银行和付款服务供应商最关注的是实施此安全功能,以打击诈欺并遵守欧洲 PSD2 等监管标准。金融机构优先考虑强大的安全功能来保护客户资料并减少非法贸易的发生。这里首选与高级安全通讯协定整合的无缝用户体验。医疗保健产业需要 3D 安全付款认证来保护病患资料并确保各种医疗服务和产品(包括药品)交易的机密性。在零售业,3D 安全付款认证被用来提高线上交易的安全性和消费者信任度,这对于电子商务平台至关重要。零售企业需要在严格的安全性和简化的结帐流程之间取得平衡,以最大限度地减少购物车废弃率,同时防止诈欺。旅游和酒店业经常购买高价商品,例如机票和酒店预订,因此使用 3D Secure 身份验证来防止诈欺预订和扣回争议帐款。旅游和餐旅服务业公司正在优先考虑 3D 安全解决方案,这些解决方案可以处理大批量、高价值的交易,同时确保客户在预订过程中的便利性。
区域洞察
美洲尤其是北美地区的3D安全付款认证市场呈现稳定成长态势。这一增长是由严格的监管标准和数位付款的高普及推动的。由于线上交易的显着增加和安全付款意识的增强,美国和加拿大是这一增长的主要贡献者。此外,该地区拥有大量跨国公司,正在推动 3D 安全付款领域的创新和进步。在 EMEA(欧洲、中东和非洲)地区,欧洲脱颖而出,因为在第二付款服务指令 (PSD2) 的监管支持以及消费者对交易安全的浓厚兴趣的支持下,欧洲在 3D 安全付款认证技术方面取得了重大进展。中东和非洲正在经历稳定的成长,部分原因是银行业的数位转型以及热衷于采用安全付款方式来建立消费者信任的电子商务平台的崛起。亚太地区3D安全付款认证市场正快速成长。促成这一成长的因素包括智慧型手机普及的提高、电子商务产业的蓬勃发展以及政府对无现金社会的倡议,特别是在中国、印度和澳洲。
FPNV定位矩阵
FPNV定位矩阵对于评估3D安全付款认证市场至关重要。我们检视与业务策略和产品满意度相关的关键指标,以对供应商进行全面评估。这种深入的分析使用户能够根据自己的要求做出明智的决策。根据评估,供应商被分为四个成功程度不同的像限:前沿(F)、探路者(P)、利基(N)和重要(V)。
市场占有率分析
市场占有率分析是一个综合工具,可以对 3D 安全付款认证市场中供应商的现状进行深入而详细的研究。全面比较和分析供应商在整体收益、基本客群和其他关键指标方面的贡献,以便更好地了解公司的绩效及其在争夺市场占有率时面临的挑战。此外,该分析还提供了对该行业竞争特征的宝贵见解,包括在研究基准年观察到的累积、分散主导地位和合併特征等因素。详细程度的提高使供应商能够做出更明智的决策并制定有效的策略,从而在市场上获得竞争优势。
1. 市场渗透率:提供有关主要企业所服务的市场的全面资讯。
2. 市场开拓:我们深入研究利润丰厚的新兴市场,并分析其在成熟细分市场的渗透率。
3. 市场多元化:提供有关新产品发布、开拓地区、最新发展和投资的详细资讯。
4. 竞争评估和情报:对主要企业的市场占有率、策略、产品、认证、监管状况、专利状况和製造能力进行全面评估。
5. 产品开发与创新:提供对未来技术、研发活动和突破性产品开发的见解。
1.3D安全付款认证市场的市场规模与预测为何?
2.在3D安全付款认证市场的预测期间内,有哪些产品、细分市场、应用程式和领域需要考虑投资?
3.3D安全付款认证市场的技术趋势和法规结构是什么?
4.3D安全付款认证市场主要厂商的市场占有率是多少?
5.进入3D安全付款认证市场的合适型态和策略手段是什么?
[199 Pages Report] The 3D Secure Payment Authentication Market size was estimated at USD 1.35 billion in 2023 and expected to reach USD 1.52 billion in 2024, at a CAGR 12.55% to reach USD 3.11 billion by 2030.
3D (Three Domain) secure payment authentication, often abbreviated as 3DS, refers to a security protocol used to reduce fraud in online credit and debit card transactions and enhance the security of digital payments. This authentication is achieved by adding an additional layer of verification before a transaction is approved. When a cardholder makes a purchase on a site that supports 3DS, after they enter their card information, they are usually redirected to their card issuer's 3DS interface. They must verify their identity, often by entering a password, responding to a text message, or using biometric recognition. 3D secure aims to prevent the unauthorized use of cards and protect the merchant from exposure to fraud by verifying the cardholder's identity. The growth of the 3D secure payment authentication market is primarily driven by the escalating concern for security in online transactions. The rise in online shopping and the subsequent need for secure payment gateways are significant growth catalysts for the market. However, the market faces challenges, including technical complexities and possible consumer friction due to additional authentication steps that might lead to an increased rate of cart abandonment. Resistance to change among some merchants, who may be concerned about the implementation costs and lack of universal standards, also poses significant obstacles to market expansion. Despite the restraining factors, leveraging emerging technologies, including artificial intelligence, provides opportunities for enhanced security features. With ongoing digitalization efforts by governments, the demand for secure and reliable online payment solutions presents a strong future landscape for the expansion of the 3D secure payment authentication market.
KEY MARKET STATISTICS | |
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Base Year [2023] | USD 1.35 billion |
Estimated Year [2024] | USD 1.52 billion |
Forecast Year [2030] | USD 3.11 billion |
CAGR (%) | 12.55% |
Component: High preferences for access control server to minimize friction during the authentication process
The access control server (ACS) is a vital component within the 3D secure payment authentication framework. Its primary function is to validate the cardholder's identity during an online transaction through various authentication methods, which can include passwords, biometrics, or one-time codes. The need for an ACS arises from the imperative to enhance transaction security and reduce the likelihood of fraudulent activity. The merchant plug-in (MPI) is another critical element of the 3D secure ecosystem. It acts as an interface between the merchant and the ACS. The MPI's role is to initiate the authentication process by gathering card details from the shopper and forwarding them to the ACS. For merchants, the MPI is essential for ensuring compliance with payment networks' requirements and facilitating secure transactions.
Payment Methods: Rising popularity of digital wallets among younger generation
A popular payment method, credit cards offer consumers the ability to make purchases on credit, deferring payment to a later date. Credit card transactions are authenticated through 3D secure protocols, providing an additional layer of security by requiring a password or biometric authentication. This safeguard protects both the cardholder and the issuer from fraudulent transactions. Debit cards allow customers to pay for goods and services directly from their bank accounts. Similar to credit cards, debit cards can utilize 3D secure authentication to verify the cardholder's identity and minimize the risk of unauthorized transactions. This enhanced verification process is crucial for maintaining the integrity of direct bank payments. With the rise of mobile and electronic commerce, digital wallets have emerged as a convenient form of payment. Users can link their credit, debit, or even bank accounts to a digital wallet platform. 3D secure authentication can also be integrated with digital wallet transactions, offering a streamlined yet secure payment process that leverages encryption and tokenization technologies.
Organization Size: Growing adoption of 3DS in large scale enterprises with scalability and comprehensive features
Large scale enterprises typically handle a significant volume of transactions on a daily basis. They require robust, scalable, and secure payment authentication systems to protect against fraud and ensure customer trust. Enterprises of this scale often prefer 3D secure solutions that offer advanced features such as risk-based authentication, which can intelligently assess the risk level of each transaction and provide a frictionless experience for users. Small & medium enterprises (SMEs) have different needs compared to large scale enterprises. They tend to focus on cost-effective 3DS solutions that are straightforward to implement and maintain. Given their size, SMEs may be susceptible to the impacts of fraud, so a secure payment authentication system is critical.
Vertical: Need for high throughput and user-friendly 3D secure solutions in the travel and hospitality industry
For financial institutions, the requirement for 3D secure payment authentication is paramount to maintain the integrity of transactions and customer trust. Banks and payment service providers are foremost in implementing this security feature to combat fraud and comply with regulatory standards such as PSD2 in Europe. Financial institutions prioritize robust security features to protect customer data and reduce the incidence of fraudulent transactions. The preference here is for a seamless user experience integrated with high-level security protocols. The healthcare industry requires 3D secure payment authentication to protect patient data and ensure the confidentiality of transactions made for various health services and products, including pharmaceuticals. The retail sector utilizes 3D secure payment authentication to secure online transactions and bolster consumer confidence, which is essential for e-commerce platforms. Retailers require a balance between stringent security and streamlined checkout processes to minimize cart abandonment while safeguarding against fraud. The travel and hospitality industry leverages 3D secure authentication to prevent fraudulent bookings and chargebacks owing to the high-value nature of purchases, including airfare and hotel reservations. Businesses in travel and hospitality prioritize 3D secure solutions that can handle high volume and high-value transactions while also ensuring customer convenience during the booking process.
Regional Insights
The market for 3D secure payment authentication in the Americas, particularly in North America, has shown robust growth. This development is attributed to stringent regulatory standards and a high rate of digital payment adoption. The United States and Canada are contributing majorly to this growth, driven by a substantial increase in online transactions and heightened awareness regarding secure payments. Additionally, the strong presence of global players in this region fosters innovation and advances in the 3D secure payment space. In the EMEA region, Europe stands out with significant advancements in 3D secure payment authentication technologies, backed by the regulatory push from the second payment services directive (PSD2) and strong consumer emphasis on transaction security. In the Middle East and Africa, the growth is steady, aided by the digital transformation in the banking sector and the increased emergence of e-commerce platforms keen on adopting secure payment methods to build consumer trust. The Asia-Pacific is experiencing rapid growth in the market for 3D secure payment authentication. Factors contributing to this growth include rising smartphone penetration, a burgeoning e-commerce industry, and governmental initiatives towards cashless societies, particularly in China, India, and Australia.
FPNV Positioning Matrix
The FPNV Positioning Matrix is pivotal in evaluating the 3D Secure Payment Authentication Market. It offers a comprehensive assessment of vendors, examining key metrics related to Business Strategy and Product Satisfaction. This in-depth analysis empowers users to make well-informed decisions aligned with their requirements. Based on the evaluation, the vendors are then categorized into four distinct quadrants representing varying levels of success: Forefront (F), Pathfinder (P), Niche (N), or Vital (V).
Market Share Analysis
The Market Share Analysis is a comprehensive tool that provides an insightful and in-depth examination of the current state of vendors in the 3D Secure Payment Authentication Market. By meticulously comparing and analyzing vendor contributions in terms of overall revenue, customer base, and other key metrics, we can offer companies a greater understanding of their performance and the challenges they face when competing for market share. Additionally, this analysis provides valuable insights into the competitive nature of the sector, including factors such as accumulation, fragmentation dominance, and amalgamation traits observed over the base year period studied. With this expanded level of detail, vendors can make more informed decisions and devise effective strategies to gain a competitive edge in the market.
Key Company Profiles
The report delves into recent significant developments in the 3D Secure Payment Authentication Market, highlighting leading vendors and their innovative profiles. These include American Express Company, AsiaPay Limited, Asseco Group, Bluefin Payment Systems LLC, Braintree by PayPal Holdings, Inc., Broadcom Inc., Cardknox Development, Inc. by Fidelity Payment Services, Checkout.com Group, DECTA Limited, Discover Financial Services, Entersekt Proprietary Limited, Fiserv, Inc., GPayments Pty Ltd. by Neurocom Pty Ltd., HDFC Bank Limited, IZealiant Technologies Private Limited by Razorpay Software Private Limited, JCB Co., Ltd., Mastercard Inc., mSIGNIA, Netcetera AG, Oracle Corporation, Pay.com Group, PayU by Rapyd Financial Network Ltd., Ravelin Technology Ltd., RS Software, RSA Security LLC, Shift4 Payments, LLC, Stripe, Inc., UL LLC, and Visa Inc..
Market Segmentation & Coverage
1. Market Penetration: It presents comprehensive information on the market provided by key players.
2. Market Development: It delves deep into lucrative emerging markets and analyzes the penetration across mature market segments.
3. Market Diversification: It provides detailed information on new product launches, untapped geographic regions, recent developments, and investments.
4. Competitive Assessment & Intelligence: It conducts an exhaustive assessment of market shares, strategies, products, certifications, regulatory approvals, patent landscape, and manufacturing capabilities of the leading players.
5. Product Development & Innovation: It offers intelligent insights on future technologies, R&D activities, and breakthrough product developments.
1. What is the market size and forecast of the 3D Secure Payment Authentication Market?
2. Which products, segments, applications, and areas should one consider investing in over the forecast period in the 3D Secure Payment Authentication Market?
3. What are the technology trends and regulatory frameworks in the 3D Secure Payment Authentication Market?
4. What is the market share of the leading vendors in the 3D Secure Payment Authentication Market?
5. Which modes and strategic moves are suitable for entering the 3D Secure Payment Authentication Market?