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市场调查报告书
商品编码
1830166
PSD2 和开放银行生物辨识认证市场(按认证方法、部署模式、应用、最终用户产业和组织规模)—2025 年至 2032 年全球预测PSD2 & Open Banking Biometric Authentication Market by Authentication Method, Deployment Mode, Application, End User Industry, Organization Size - Global Forecast 2025-2032 |
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预计到 2032 年,PSD2 和开放银行生物辨识认证市场规模将达到 138.9 亿美元,复合年增长率为 10.57%。
主要市场统计数据 | |
---|---|
基准年2024年 | 62.1亿美元 |
预计2025年 | 68.8亿美元 |
预测年份:2032年 | 138.9亿美元 |
复合年增长率(%) | 10.57% |
开放银行和PSD2主导的改革已将生物辨识身分验证从一项实验性增强功能提升为数位金融安全的策略支柱。过去五年来,行业参与者已超越单因素方法,转向以身份为中心的模式,将监管要求与用户对无摩擦访问的期望相结合。生物辨识功能如今处于合规性、使用者体验和欺诈管理的交汇点,金融机构正在重新调整蓝图,将这些模式融入整个客户旅程。
随着金融机构整合更强大的身分验证标准,它们必须在隐私、互通性和营运扩充性取得平衡。标准化 API 和同意框架的采用为第三方和帐户提供者之间的无缝身份验证交接创造了机会,同时也暴露了身份保证方面存在差异(具体实施方式各异)。因此,金融机构优先考虑端到端设计,以兼顾设备异质性、可访问性需求以及不同市场生物辨识成熟度的不同程度。
在不久的将来,银行和金融科技公司将试行融合行为讯号和生理模式的整合身分验证架构,以减少摩擦并增强对诈欺的抵御能力。同时,监管机构正在明确其对使用者同意和生物特征资料处理的期望,迫使机构投资于隐私设计实施和强大的审核能力。这些平行趋势清楚地表明了为什么生物特征身份验证已成为开放银行生态系统中竞争差异化的核心要素。
由于技术日趋成熟、监管更新以及消费行为的变化,PSD2 和开放银行中的生物辨识身分验证格局正在转变。感测器保真度和装置端运算能力的提升带来了更高的准确率和更低的误报率,从而将可行的用例从简单的登入扩展到交易确认和持续身份验证。这些技术改进与机器学习模型相辅相成,机器学习模型利用多模态融合来侦测异常模式,并更有效对抗示范攻击。
不断变化的法规也起到了催化作用。关于强客户身份验证和豁免的明确规定,刺激了对兼顾安全性和可用性功能的投资。同时,资料保护框架对储存、同意管理和用途限制提出了更严格的要求,这促使架构师倾向于采用去中心化或代币化的生物辨识模板方法。
市场行为也在改变。消费者如今期望获得无缝的行动优先体验,如果生物辨识技术能够显着提升安全性和便利性,他们更愿意使用。这促使现有企业和挑战者都将生物识别整合到入职、身分验证和诈欺监控功能中。总而言之,这些转变正在创造一种环境:对于渴望在开放银行领域取得领先地位的组织而言,生物辨识身分验证不再是一种可有可无的选择,而是一种需要跨职能管治和持续检验的营运必需品。
美国2025年关税的实施,正在对全球生物识别硬体及相关组件的供应链产生累积而微妙的影响,影响依赖物理感测器的机构的部署计画和筹资策略。关税导致的成本增加,正在衝击基于设备的生物识别模式的经济效益,促使一些机构重新评估原生设备感测器与可能面临更高进口关税的外围硬体之间的权衡。
因此,采购团队正在转向优先选择国内製造合作伙伴或来自具有优惠贸易安排的司法管辖区的供应商的筹资策略,而软体供应商则正在加速推出减少对专用硬体依赖的产品。这种转变导致人们对行为生物识别技术和纯软体驱动的模式的兴趣日益浓厚,这些模式依赖于现有的用户硬体和网路讯号来减轻关税波动的影响。
在营运方面,累积影响包括感测器出货前置作业时间延长,以及 ATM 和 POS 部署库存管理更加严格。金融机构已采取分阶段部署、使用临时认证模式以及与策略供应商协商长期定价协议等应对措施。虽然关税造成了短期成本压力,但也促使企业进行策略调整,转向弹性采购、注重软体原生功能的架构设计,以及采购、安全和产品团队之间更紧密的协作,以在不断变化的贸易环境下保持部署势头。
该细分提供了一个实用的框架,用于将技术选择、部署模型和使用案例与组织优先顺序进行协调。根据身份验证方法,市场主要透过行为生物辨识、脸部认证、指纹辨识、虹膜辨识和语音辨识进行探索,并透过步态分析和按键动力学进一步探索行为生物辨识。这种差异化有助于明确投资方向:利用广泛感测器和持续讯号收集的方法优先用于实现无摩擦体验,而高可靠性的生理方法则保留用于高风险交易。
The PSD2 & Open Banking Biometric Authentication Market is projected to grow by USD 13.89 billion at a CAGR of 10.57% by 2032.
KEY MARKET STATISTICS | |
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Base Year [2024] | USD 6.21 billion |
Estimated Year [2025] | USD 6.88 billion |
Forecast Year [2032] | USD 13.89 billion |
CAGR (%) | 10.57% |
Open banking and PSD2-driven reforms have elevated biometric authentication from an experimental enhancement to a strategic pillar of digital financial security. Over the past five years, industry participants have moved beyond single-factor approaches, embracing identity-centric models that align regulatory requirements with user expectations for frictionless access. Biometric capabilities now sit at the intersection of compliance, user experience, and fraud management, and institutions are recalibrating roadmaps to embed these modalities across customer journeys.
As institutions integrate stronger authentication standards, they must balance privacy, interoperability, and operational scalability. The introduction of standardized APIs and consent frameworks has created opportunities for seamless authentication handoffs between third parties and account providers, while also exposing gaps in identity assurance when adoption is uneven. Consequently, institutions are prioritizing end-to-end design that accounts for device heterogeneity, accessibility needs, and varying levels of biometric maturity across markets.
In the immediate term, banks and fintechs are piloting converged authentication architectures that combine behavioral signals with physiological modalities to reduce friction and increase resilience against spoofing. Simultaneously, regulators are clarifying expectations around user consent and biometric data handling, which compels organizations to invest in privacy-by-design implementations and robust audit capabilities. These parallel trends underscore why biometric authentication is now a central element of competitive differentiation in open banking ecosystems.
The landscape for biometric authentication in PSD2 and open banking has undergone transformative shifts driven by technological maturation, regulatory updates, and changing consumer behavior. Advances in sensor fidelity and on-device compute have enabled higher accuracy and lower false accept rates, which in turn have expanded the viable use cases from simple login to transaction confirmation and continuous authentication. These technological improvements have been complemented by machine learning models that leverage multimodal fusion to detect anomalous patterns and resist presentation attacks more effectively.
Regulatory evolution is another catalytic force. Clarifications around strong customer authentication and the conditions for exemptions have driven investment in capabilities that meet both security and usability objectives. At the same time, data protection frameworks are imposing stricter requirements for storage, consent management, and purpose limitation, pushing architects to favor decentralized or tokenized approaches to biometric templates.
Market behavior has also shifted. Consumers now expect seamless, mobile-first experiences and show greater willingness to use biometrics when security and convenience are demonstrably improved. This has encouraged incumbents and challengers alike to integrate biometrics across onboarding, authentication, and fraud monitoring functions. In aggregate, these shifts are creating an environment where biometric authentication is no longer optional for organizations that aim to lead in open banking; it is an operational necessity that requires cross-functional governance and continuous validation.
The introduction of tariffs in the United States in 2025 has had a cumulative and nuanced effect on global supply chains for biometric hardware and related components, influencing deployment timelines and procurement strategies for institutions relying on physical sensors. Tariff-driven cost increases have influenced the economics of device-based biometric modalities, prompting some organizations to re-evaluate trade-offs between native device sensors and peripheral hardware that may be subject to higher import duties.
Consequently, procurement teams have shifted toward sourcing strategies that prioritize domestic manufacturing partners or suppliers from jurisdictions with favorable trade arrangements, while software vendors accelerated offerings that reduce dependence on specialized hardware. This shift has increased interest in behavioral biometrics and purely software-driven modalities that rely on existing user hardware and networked signals, thereby mitigating exposure to tariff volatility.
Operationally, the cumulative impact has led to longer lead times for sensor shipments and tighter inventory management for ATM and point-of-sale deployments. Institutions have adapted by phasing rollouts, leveraging interim authentication models, and negotiating longer-term pricing agreements with strategic suppliers. While tariffs have created near-term cost pressures, they have also driven strategic realignment toward resilient sourcing, architecture designs that emphasize software-native capabilities, and closer collaboration between procurement, security, and product teams to sustain rollout momentum under changing trade conditions.
Segmentation provides a practical framework to align technology choices, deployment models, and use cases with organizational priorities. Based on authentication method, the market is studied across behavioral biometrics, facial recognition, fingerprint, iris recognition, and voice recognition, with behavioral biometrics further examined through gait analysis and keystroke dynamics. This differentiation highlights where investments should flow: modalities that capitalize on pervasive sensors and continuous signal collection are prioritized for frictionless experiences, while high-assurance physiological modalities are reserved for elevated-risk transactions.
Based on deployment mode, the market is studied across cloud and on premises, with cloud deployments further categorized into private cloud and public cloud. The choice between cloud and on-premises affects latency, data sovereignty, and scalability, and the private versus public cloud distinction influences control, isolation, and integration complexity. Organizations often adopt hybrid architectures to balance regulatory constraints with the agility benefits of cloud-native services.
Based on application, the market is studied across ATM kiosk, internet banking, mobile banking, and point-of-sale terminals, with the mobile banking segment further analyzed across Android and iOS platforms and the point-of-sale terminals segment further divided into countertop and self-service kiosk environments. Applications determine the user journey and the acceptable authentication friction; mobile banking trends favor seamless biometric unlock and transaction approval flows, while ATM and kiosk deployments require resilient anti-spoofing measures and ruggedized sensor support.
Based on end user industry, the market is studied across banking, financial services, and fintech, with banking further broken down into corporate banking and retail banking, financial services further dissected into asset management and insurance, and fintech further explored across payment services and wealth tech. Each vertical has unique risk profiles and regulatory obligations that shape authentication choices, with corporate banking typically requiring higher assurance workflows and fintechs often prioritizing speed and user experience.
Based on organization size, the market is studied across large enterprise and small and medium enterprise. Organizational scale influences governance maturity, procurement leverage, and the capacity to absorb integration complexity, which in turn affects the pace and scope of biometric adoption across footprints and channels.
Regional dynamics shape both regulatory expectations and technology adoption patterns for biometric authentication in open banking. In the Americas, market participants grapple with a mix of federal guidance and state-level privacy regimes that emphasize data protection and consumer transparency, while commercial banks and fintechs pursue mobile-first authentication strategies that leverage device-native sensors and behavioral analytics. Cross-border data flows and partnerships with Latin American payment networks also influence the pragmatics of template storage and consent management.
In Europe, Middle East & Africa, the confluence of PSD2 legacy frameworks and diverse national implementations creates a complex compliance landscape; here, institutions emphasize interoperable APIs, strong customer authentication alignment, and rigorous handling of biometric consent. Meanwhile, Middle Eastern jurisdictions are rapidly building digital identity frameworks, and African markets show strong innovation in mobile biometric onboarding due to limited legacy infrastructure and high mobile penetration. These regional variations drive differentiated vendor offerings and deployment models that respect local regulatory and infrastructural realities.
In Asia-Pacific, rapid mobile adoption and favorable device ecosystems support broad uptake of biometric authentication, with mature markets demonstrating high acceptance of facial and fingerprint modalities and emerging markets innovating with biometric-enabled payment rails and digital ID programs. Governments and large ecosystem players frequently play an active role in shaping standards and promoting interoperable identity initiatives, accelerating commercial integration across banking, payments, and government services. Across regions, leaders are those who adapt technical design and governance to local legal regimes while maintaining consistent user experience and security assurances.
Key company considerations center on capability depth, integration maturity, and the ability to align product roadmaps with regulatory timelines. Vendors that offer multimodal solutions and invest in adversarial testing and independent certification tend to be prioritized by enterprise buyers because their offerings reduce integration risk and accelerate compliance validation. Meanwhile, companies that provide flexible deployment modes-including on-premises, private cloud, and hardened edge options-are positioned to address the fragmented regulatory constraints and data residency needs of large institutions.
Technology partners that embed explainability and model governance into their machine learning stacks enable more transparent assurance to auditors and regulators, which has become a decisive selection criteria. Equally important are vendors with robust SDKs and platform APIs that simplify integration across mobile platforms, ATM software stacks, and point-of-sale systems; interoperability reduces time-to-market and lowers total cost of integration.
Strategic partnerships between biometric technology providers and systems integrators are increasingly common, creating bundled services that combine product, integration, and managed services. Buyers favor vendors that demonstrate strong post-deployment support, continuous model updates for anti-spoofing, and proven operational playbooks for incident response. Ultimately, the preferred suppliers are those that combine technical robustness with commercial flexibility and domain expertise in financial services compliance.
Industry leaders must pursue a set of pragmatic, actionable moves to convert biometric capabilities into sustained competitive advantage. First, adopt a risk-based authentication strategy that maps transaction risk tiers to appropriate biometric modalities and assurance levels, enabling adaptive flows that minimize friction for low-risk interactions while escalating verification for high-value actions. Aligning security policies with product design reduces false rejections and customer friction while maintaining regulatory compliance.
Second, invest in privacy-preserving architectures such as template-on-device, tokenization, or cryptographic approaches that limit exposure of raw biometric data. These designs not only reduce compliance burden but also increase customer trust when communicated clearly through consent and transparency mechanisms. Third, prioritize interoperability by building against standardized APIs and ensuring SDK compatibility across Android, iOS, ATM platforms, and point-of-sale systems so that integrations scale predictably.
Fourth, strengthen vendor governance by defining clear SLAs for anti-spoofing updates, model retraining cadences, and incident response responsibilities. Procurement should require independent testing and certification evidence. Fifth, build cross-functional capabilities that combine product, compliance, security, and UX teams to operationalize continuous monitoring, user research, and regulatory change management. Taken together, these actions will accelerate secure adoption while managing operational risk and protecting customer trust.
The research methodology combines triangulation of primary stakeholder interviews, technical validation exercises, and secondary evidence gathering to ensure a robust and reproducible analysis. Primary inputs include structured interviews with product and security leaders from banks, fintechs, payment processors, and identity providers to capture operational priorities, integration challenges, and deployment experience. These qualitative insights are complemented by technical validation exercises that assess modality resilience, anti-spoofing efficacy, and integration complexity across device classes.
Secondary evidence was compiled from publicly available regulatory guidance, standards bodies, and vendor technical documentation to map legal obligations, interoperability standards, and architectural patterns. The approach emphasizes cross-validation: claims from interviews were tested against technical benchmarks and regulatory texts to minimize bias and surface practical constraints. Methodological rigor also involved scenario analysis to explore the impact of trade policy shifts, regional regulation divergence, and adoption barriers across enterprise segments.
Finally, stakeholder feedback loops were used to refine findings and ensure recommendations are actionable for practitioners. Throughout the research process, attention was paid to data privacy and ethical considerations, ensuring that evaluations of biometric modalities focused on efficacy, governance implications, and user-facing impacts rather than proprietary performance claims.
Biometric authentication has matured into a strategic capability within PSD2 and open banking ecosystems, but its effective deployment requires thoughtful orchestration across technology, governance, and procurement. The most successful adopters do more than implement sensors; they design adaptive authentication journeys that balance risk, privacy, and user experience. They also invest in vendor governance, cross-functional operating models, and privacy-preserving architectures that reduce systemic risk while enabling scale.
Challenges remain, including managing cross-border data flows, maintaining model performance amid device diversity, and navigating evolving regulatory interpretations. However, these challenges are manageable through pragmatic segmentation of use cases, careful selection of deployment modes, and investment in explainable models and independent testing. Institutions that proactively align product roadmaps with compliance timelines and that favor interoperable, software-first architectures will be best positioned to extract long-term value from biometric authentication investments.
In conclusion, biometric authentication is not a panacea, but when integrated with disciplined governance and user-centered design, it becomes a powerful enabler of secure, convenient open banking experiences. Organizations that take a strategic, risk-aware approach will safeguard customer trust while unlocking operational efficiencies and new service models.