ATM 软体市场报告：2031 年趋势、预测与竞争分析

全球 ATM 软体市场的未来在本地部署和云端市场中充满机会。预计 2025 年至 2031 年期间，全球 ATM 软体市场的复合年增长率将达到 12.2%。该市场的主要驱动因素包括：对安全高效的 ATM 交易系统的需求不断增长；云端基础的ATM 软体在成本效益方面的采用日益普及；以及日益增长的金融包容性促进了新兴市场 ATM 网路的扩张。

• Lucintel 表示，根据类型，由于网路威胁的增加和防止诈欺的需求，ATM 安全性预计在预测期内将出现高速成长。
• 从应用角度来看，云端运算由于其可扩展性、成本效益和远端管理优势，预计将实现最高成长。
• 由于 ATM 安装数量的增加和金融数位化，预计亚太地区将在预测期内实现最高成长。

ATM软体市场的新趋势

目前，由于技术进步和客户对安全问题的观念转变，ATM 软体产业正在经历重大转型。新兴趋势包括云端基础的解决方案、人工智慧整合以及更完善的安全措施，这些趋势将使 ATM 成为智慧、安全、高效的金融接触点，为全球下一代 ATM 奠定基础。

• 人工智慧和机器学习：银行目前正在利用基于人工智慧的软体来帮助改善诈欺侦测、预测现金需求并客製化客户互动。机器学习演算法可以识别异常交易模式，减少诈欺活动，并为高效的用户提供资金获取途径。
• 云端基础的ATM 软体：金融机构正在采用云端基础的应用程式来即时监控 ATM 功能、进行远端软体更新和预测分析。云端技术可以提高业务效率、减少停机时间，并为 ATM 网路提供可扩展的基础架构。
• 非接触式和生物识别交易：指纹或脸部认证等生物识别的采用正在提高安全性和交易速度。非接触式付款（包括支援NFC的提款）正变得越来越普遍，减少了肢体接触，提高了客户的便利性。
• 增强的网路安全措施：面对日益增长的网路威胁，ATM 软体采用多因素身份验证、端对端加密和人工智慧主导的安全通讯协定来保护敏感的客户资料并防止未授权存取。
• ATM 软体与数位银行整合：银行正在将 ATM 软体与行动银行应用程式和开放银行平台集成，以提供无缝的数位体验。客户可以透过银行应用程式发起提款、设定交易限额并接收警报。

ATM软体市场的新兴趋势正在推动ATM软体市场的转型，带来安全性、效率和适当的客户互动。人工智慧、云端技术和生物识别的融合将在未来形成更智慧、互联的ATM网路。

ATM软体市场的最新趋势

ATM 软体市场在安全性、数位整合和业务效率方面取得了显着进展。关键发展包括基于人工智慧的诈欺检测、云端基础的解决方案和生物识别。这些创新增强了 ATM 网路的可靠性和安全性，同时提升了客户体验和法规遵循。

• 基于人工智慧的诈欺侦测：银行正在部署基于人工智慧的软体来分析交易模式并侦测可疑活动。这种主动方法可以降低诈欺风险并加强安全措施。
• 云端基础的ATM 管理：银行目前正在实施云端基础的解决方案，用于 ATM 的即时监控、远端更新和预测性维护。这一发展有助于最大限度地减少停机时间并提高服务效率。
• 生物识别整合：ATM 现已整合指纹扫描和脸部认证等生物辨识安全功能，从而增强了交易的安全性并最大限度地减少了未授权存取。
• 支援物联网的 ATM 软体：将物联网技术整合到 ATM 软体中有助于即时诊断和预测性维护，确保 ATM 平稳运行，同时最大限度地降低营运成本。
• 增强的监管合规功能：ATM 软体配备了升级的功能，例如自动合规性检查和资料加密，考虑到遵守严格法规的需要。

这些是增强 ATM 软体市场的关键因素，因为它们增强了安全性、提高了营运成本效益并提升了客户便利性。人工智慧、物联网和云端基础的解决方案正在塑造一个强大而高效的 ATM 生态系统。

目录

第一章执行摘要

第二章全球 ATM 软体市场：市场动态

• 简介、背景和分类
• 供应链
• 产业驱动力与挑战

第三章 2019年至2031年市场趋势及预测分析

• 宏观经济趋势（2019-2024）及预测（2025-2031）
• 全球 ATM 软体市场趋势（2019-2024 年）与预测（2025-2031 年）
• 全球 ATM 软体市场（按类型）
  • 维护软体
  • ATM安全
  • 其他的
• 全球 ATM 软体市场（按应用）
  • 本地
  • 云

第四章2019年至2031年区域市场趋势与预测分析

• 区域 ATM 软体市场
• 北美ATM软体市场
• 欧洲ATM软体市场
• 亚太ATM软体市场
• 世界其他地区ATM软体市场

第五章 竞争分析

• 产品系列分析
• 营运整合
• 波特五力分析

第六章 成长机会与策略分析

• 成长机会分析
  • 全球 ATM 软体市场成长机会（按类型）
  • 全球 ATM 软体市场成长机会（按应用）
  • 区域 ATM 软体市场成长机会
• 全球 ATM 软体市场的新趋势
• 战略分析
  • 新产品开发
  • 全球ATM软体市场容量不断扩大
  • 全球 ATM 软体市场的合併、收购和合资企业
  • 认证和许可

第七章主要企业简介

• Diebold Nixdorf
• IBM
• NCR Corporation
• Sensory
• Radcom

The future of the global atm software market looks promising with opportunities in the on-premise, and cloud markets. The global atm software market is expected to grow with a CAGR of 12.2% from 2025 to 2031. The major drivers for this market are rising demand for secure and efficient atm transaction systems, increasing adoption of cloud-based atm software for cost efficiency, and growing financial inclusion driving atm network expansion in emerging markets.

• Lucintel forecasts that, within the type category, atm security is expected to witness higher growth over the forecast period due to increasing cyber threats and fraud prevention needs.
• Within the application category, cloud is expected to witness the highest growth due to scalability, cost efficiency, and remote management benefits.
• In terms of region, APAC is expected to witness the highest growth over the forecast period due to increasing atm installations and financial digitization.

Emerging Trends in the ATM Software Market

Presently, the ATM software industry is in a period of massive shift courtesy to advances in technology and changing customer sentiments on issues of security. The new trends include cloud-based solutions, AI integration, and superior security measures that shape ATMs to become smart, safer, and more efficient financial touchpoints for the next generation worldwide.

• AI and Machine Learning: Banks now utilize AI-based software that helps improve fraud detection, forecasting cash demand, and customization of customer interactions. Machine learning algorithms identify unusual transaction patterns, mitigating fraudulent activities and providing efficient users with access to money.
• Cloud-Based ATM Software: The financial institutes are adopting cloud-based applications that help real-time monitoring, remote software updates, and predict analysis of ATM functionality. Cloud technology enhances operational efficiency, reduces downtime, and provides a scalable infrastructure for ATM networks.
• Contactless and Biometric Transactions: The adoption of biometric authentication, such as fingerprint and facial recognition, is improving security and transaction speed. Contactless payments, including NFC-enabled withdrawals, are becoming more prevalent, reducing physical interactions and enhancing user convenience.
• Enhanced Cybersecurity Measures: With rising cyber threats, ATM software is incorporating multi-factor authentication, end-to-end encryption, and AI-driven security protocols. These measures protect sensitive customer data and prevent unauthorized access.
• ATM Software Integration with Digital Banking: ATM software is being integrated with mobile banking apps and open banking platforms by banks to provide seamless digital experiences. Customers can initiate withdrawals, set transaction limits, and receive alerts through their banking apps.

Emerging Trends in the ATM software market are bringing security, efficiency, and a suitable interaction of customer for transformation in the Atm software market. Integration of AI, cloud technology, and biometric authentication is shaping a smarter connected ATM network in the future.

Recent Developments in the ATM Software Market

The ATM software market is witnessing significant advancements related to security, digital integration, and operational efficiency. Key developments include AI-driven fraud detection, cloud-based solutions, and biometric authentication. These innovations enhance the reliability and security of ATM networks while improving customer experience and regulatory compliance.

• AI-Driven Fraud Detection: Banks are implementing AI-based software to analyze the pattern of transactions and detect suspicious activities. This proactive approach reduces fraud risks and enhances security measures.
• Cloud-Based ATM Management: Banks are now implementing cloud-based solutions for real-time monitoring of ATMs, remote updates, and predictive maintenance. This development minimizes downtime and enhances service efficiency.
• Biometric Authentication Integration: Nowadays, ATMs are integrating with biometric security features like fingerprint scanning and facial recognition. It enhances the security of transactions and minimizes unauthorized access.
• IoT-Enabled ATM Software: The integration of IoT technology into ATM software helps in real-time diagnostics and predictive maintenance, minimizing operational costs while ensuring smooth ATM functionality.
• Enhanced Regulatory Compliance Features: The ATM software is emerging with upgraded features that also incorporate the probable need for strict regulatory compliance features, such as automated compliance checks and data encryption to ensure security and legal adherence.

These are the prime factors to strengthen the ATM software market by enhanced security, cost-effectiveness in operations, and convenience for customers. AI, IoT, and cloud-based solutions are shaping a robust and efficient ATM ecosystem.

Strategic Growth Opportunities in the ATM Software Market

The ATM software market holds a huge growth opportunity across applications, including integration with digital banking, security upgrades, and cloud-based solutions. This would enable banks to become more operationally efficient, improve customer experience, and remain compliant with the requirements of regulations.

• Digital Banking Integration: Banks are linking ATM software with mobile and internet banking platforms to provide seamless user experiences. Customers can manage transactions, set withdrawal limits, and receive alerts through their digital banking apps.
• AI-Driven Transaction Optimization: AI-powered software is enhancing ATM performance by predicting cash demand, optimizing cash replenishment schedules, and reducing operational costs. This ensures uninterrupted service and improved cash flow management.
• Cloud-Based ATM Solutions: Cloud computing is enabling banks to remotely manage ATM networks, perform software updates, and conduct real-time monitoring. This improves security and cuts down on maintenance costs.
• Biometric Security Improvements: Increased use of fingerprint, facial recognition, and iris scanning in ATM software is enhancing transaction security and user authentication and reducing fraud risks.
• Self-Service Banking Expansion: Financial institutions are investing in software that enhances their self-service capabilities, enabling users to conduct advanced transactions like loan applications or bill payments directly at the ATMs.

These strategic growth opportunities are transforming ATM software into a more efficient and efficient customer-centric solution that is more secure. Digital banking integration, AI, and cloud technology are driving the evolution of the ATM market by improving service quality as well as operational performance.

ATM Software Market Driver and Challenges

The ATM software market is impacted by a set of technological, economic, and regulatory factors. The key drivers are digital transformation, enhanced security measures, and financial inclusion. Challenges include cybersecurity threats, regulatory complexities, and high operational costs. Understanding these factors is essential for financial institutions to navigate the evolving ATM landscape.

The factors responsible for driving the atm software market include:

1. Digital Transformation: the growth in mobile and online banking is fueling the need to have the development of high technology ATM software application that should provide seamless integration capabilities.

2. Security Measurements: Increasing the cyber threat factors are making more banks invest software with AI-led fraud detection mechanism, encryption processes, and more multi-factor authentications.

3. Expansion of ATM with Financial Inclusions: the move by the financial institutions to broaden the ATM reaches through multilanguage-enabled digital payment-based applications.

4. Cloud and AI Adoption: Cloud computing and AI-driven analytics empower real-time monitoring, predictive maintenance, and effective cash management.

Challenges in the atm software market are:

1. Cybersecurity Threats: Increasing cyber-attacks pose risks to ATM networks, requiring constant software updates and enhanced security measures.

2. Regulatory Compliance Complexity: Stringent financial regulations demand continuous software upgrades to ensure compliance, adding to operational costs.

3. High Operational and Maintenance Costs: Maintaining secure and efficient ATM software requires significant investment, impacting smaller financial institutions.

While key drivers are fueling innovation and efficiency in ATM software, challenges such as cybersecurity risks and regulatory constraints require proactive strategies. Financial institutions must invest in advanced technology to ensure secure, efficient, and customer-friendly ATM services.

List of ATM Software Companies

Companies in the market compete on the basis of product quality offered. Major players in this market focus on expanding their manufacturing facilities, R&D investments, infrastructural development, and leverage integration opportunities across the value chain. With these strategies atm software companies cater increasing demand, ensure competitive effectiveness, develop innovative products & technologies, reduce production costs, and expand their customer base. Some of the atm software companies profiled in this report include-

• Diebold Nixdorf
• IBM
• NCR Corporation
• Sensory
• Radcom

ATM Software Market by Segment

The study includes a forecast for the global atm software market by type, application, and region.

ATM Software Market by Type [Value from 2019 to 2031]:

• Maintenance Software
• ATM Security
• Others

ATM Software Market by Application [Value from 2019 to 2031]:

• On-Premise
• Cloud

ATM Software Market by Region [Value from 2019 to 2031]:

• North America
• Europe
• Asia Pacific
• The Rest of the World

Country Wise Outlook for the ATM Software Market

The ATM software market is witnessing rapid development due to digital transformation, security concerns, and regulatory changes. Key markets like the United States, China, Germany, India, and Japan are witnessing innovations in cloud-based solutions, AI integration, and enhanced security features. These developments are shaping the future of ATMs, making them more efficient, secure, and user-friendly.

• United States: The focus areas for the ATM software in the United States are advanced security features, contactless transactions, and AI-driven customer experiences. Banks are upgrading software to provide biometric authentication and real-time fraud detection. Cloud-based ATM management systems improve operational efficiency by reducing downtime and enhancing compliance with the regulatory requirements in place.
• China: AI-powered software is rapidly integrating China's growing ATM capabilities while enhancing mobile payments. The momentum in digital banks leads to inventions of remote operation and QR-code-based transactions by ATMs. Cash forecasting in cash machines as well as optimizations in ATM network enhance customer care with the assistance of advanced analytics.
• Germany: Cybersecurity and compliance with regulations for ATM software will prevail in Germany. Software will be implemented that is characterized by end-to-end encryption, AI-driven fraud protection, and multi-factor authentication. Open banking initiatives will further compel financial institutions to integrate these platforms with digital banking platforms, ensuring seamless user experiences.
• India: The Indian ATM software market is changing, focusing on financial inclusion and digital transactions. Banks are implementing software that enables UPI-based withdrawals, biometric authentication, and real-time monitoring. Enhanced security features, including AI-driven fraud detection, are becoming standard to reduce transaction risks.
• Japan: AI and IoT in ATM software in Japan have increased transaction speed and security. Biometric authentication, voice recognition, and contactless transactions are now common. Predictive maintenance, through software, has helped reduce downtime for ATM banks, thereby ensuring efficient functioning.

Features of the Global ATM Software Market

Market Size Estimates: ATM software market size estimation in terms of value ($B).

Trend and Forecast Analysis: Market trends (2019 to 2024) and forecast (2025 to 2031) by various segments and regions.

Segmentation Analysis: ATM software market size by type, application, and region in terms of value ($B).

Regional Analysis: ATM software market breakdown by North America, Europe, Asia Pacific, and Rest of the World.

Growth Opportunities: Analysis of growth opportunities in different type, application, and regions for the atm software market.

Strategic Analysis: This includes M&A, new product development, and competitive landscape of the atm software market.

Analysis of competitive intensity of the industry based on Porter's Five Forces model.

This report answers following 11 key questions:

• Q.1. What are some of the most promising, high-growth opportunities for the atm software market by type (maintenance software, atm security, and others), application (on-premise and cloud), and region (North America, Europe, Asia Pacific, and the Rest of the World)?
• Q.2. Which segments will grow at a faster pace and why?
• Q.3. Which region will grow at a faster pace and why?
• Q.4. What are the key factors affecting market dynamics? What are the key challenges and business risks in this market?
• Q.5. What are the business risks and competitive threats in this market?
• Q.6. What are the emerging trends in this market and the reasons behind them?
• Q.7. What are some of the changing demands of customers in the market?
• Q.8. What are the new developments in the market? Which companies are leading these developments?
• Q.9. Who are the major players in this market? What strategic initiatives are key players pursuing for business growth?
• Q.10. What are some of the competing products in this market and how big of a threat do they pose for loss of market share by material or product substitution?
• Q.11. What M&A activity has occurred in the last 5 years and what has its impact been on the industry?

Table of Contents

1. Executive Summary

2. Global ATM Software Market : Market Dynamics

• 2.1: Introduction, Background, and Classifications
• 2.2: Supply Chain
• 2.3: Industry Drivers and Challenges

3. Market Trends and Forecast Analysis from 2019 to 2031

• 3.1. Macroeconomic Trends (2019-2024) and Forecast (2025-2031)
• 3.2. Global ATM Software Market Trends (2019-2024) and Forecast (2025-2031)
• 3.3: Global ATM Software Market by Type
  • 3.3.1: Maintenance Software
  • 3.3.2: ATM Security
  • 3.3.3: Others
• 3.4: Global ATM Software Market by Application
  • 3.4.1: On-Premise
  • 3.4.2: Cloud

4. Market Trends and Forecast Analysis by Region from 2019 to 2031

• 4.1: Global ATM Software Market by Region
• 4.2: North American ATM Software Market
  • 4.2.1: North American Market by Type: Maintenance Software, ATM Security, and Others
  • 4.2.2: North American Market by Application: On-Premise and Cloud
• 4.3: European ATM Software Market
  • 4.3.1: European Market by Type: Maintenance Software, ATM Security, and Others
  • 4.3.2: European Market by Application: On-Premise and Cloud
• 4.4: APAC ATM Software Market
  • 4.4.1: APAC Market by Type: Maintenance Software, ATM Security, and Others
  • 4.4.2: APAC Market by Application: On-Premise and Cloud
• 4.5: ROW ATM Software Market
  • 4.5.1: ROW Market by Type: Maintenance Software, ATM Security, and Others
  • 4.5.2: ROW Market by Application: On-Premise and Cloud

5. Competitor Analysis

• 5.1: Product Portfolio Analysis
• 5.2: Operational Integration
• 5.3: Porter's Five Forces Analysis

6. Growth Opportunities and Strategic Analysis

• 6.1: Growth Opportunity Analysis
  • 6.1.1: Growth Opportunities for the Global ATM Software Market by Type
  • 6.1.2: Growth Opportunities for the Global ATM Software Market by Application
  • 6.1.3: Growth Opportunities for the Global ATM Software Market by Region
• 6.2: Emerging Trends in the Global ATM Software Market
• 6.3: Strategic Analysis
  • 6.3.1: New Product Development
  • 6.3.2: Capacity Expansion of the Global ATM Software Market
  • 6.3.3: Mergers, Acquisitions, and Joint Ventures in the Global ATM Software Market
  • 6.3.4: Certification and Licensing

7. Company Profiles of Leading Players

• 7.1: Diebold Nixdorf
• 7.2: IBM
• 7.3: NCR Corporation
• 7.4: Sensory
• 7.5: Radcom