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封面
市场调查报告书
商品编码
1430499

智慧卡 MCU：市场占有率分析、产业趋势与统计、成长预测（2024-2029 年）

Smartcard MCU - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2024 - 2029)
出版日期: | 出版商: Mordor Intelligence | 英文 148 Pages | 商品交期: 2-3个工作天内

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简介目录

智慧卡MCU市场规模预计到2024年为33.2亿美元，预计到2029年将达到42.9亿美元，在预测期内（2024-2029年）复合年增长率为5.29%。

智慧卡MCU-市场-IMG1

主要亮点

  • 随着互联网的迅速扩展，电子商务在电脑使用者中即使不是一种习惯，也已经成为现实。然而，目前电子商务应用中使用的经营模式并不能充分发挥电子媒体的潜力。
  • 市场成长是由RFID技术和智慧卡NFC市场开拓的进步所推动的。利用无线射频识别 (RFID) 技术快速发展的接触型智慧卡越来越受欢迎。这些卡片使用 RFID 技术来处理交易。由于消费者需求不断增长，主要供应商正在专注于推出接触型智慧卡，预计这将推动市场成长。
  • 智慧卡技术在交通运输产业的普及正在推动市场普及，同时政府对数位科技采用的投资也不断增加。电子智慧付款卡现在是交通运输业者可行的替代付款方式。近年来，许多营运商和系统供应商都推出了基于智慧卡的系统来补充或取代现有的付款方式。
  • 此外，安全性和小型化是IC卡技术发展最快的两个方向。随着世界转向更安全的 EMV银行业务卡，最新一代智慧卡拥有完整的片上加密功能，显着提高了整个产业的卡片安全性。此外，智慧卡正在被小型化为各种外形尺寸，例如迷你标籤和智慧型穿戴装置。随着智慧卡与电话和生物识别技术一起越来越多地被采用作为二因素凭证，这种趋势可能会持续下去。
  • 智慧卡面临的主要挑战是其安全等级。为了充分发挥其潜力，智慧卡必须与各种介面进行互动。然而，出现了有关公众认知的安全问题。人们可能需要意识到储存在卡上的个人资讯是安全的。然而，必须认识到，从 IC 卡中提取的资讯是在其他地方收集和分析的。
  • 此外，在各国政府和世界卫生组织的倡导下，COVID-19 大流行加速了接触型智慧卡的采用，以防止冠状病毒的传播。由于患者数量的增加和医疗保健的数位化，医疗保健智慧卡在大流行期间和之后变得普及。

智慧卡MCU市场趋势

BFSI 推动成长

  • 银行和金融机构的智慧卡包含专用的积体电路卡，以确保强大的安全措施。这些卡具有内建记忆体晶片和微处理器，可实现安全的资料储存和处理。这些卡片在金融活动中执行多种功能，包括交易授权、安全存取网路银行业务服务、签帐金融卡和信用卡付款以及非接触式支付方式。
  • 付款流程的数位化很大程度上归功于互联网的发展和电子商务的出现。这种转变催生了广泛的电子付款选项，从付款卡（信用卡和金融卡）到数位钱包、电子现金和非接触式付款方式。行动付款服务日益普及，目前正处于转型期，并为未来的技术进步做好了准备。此类付款方式的进步预计将利用智慧卡技术并推动市场成长。
  • 配备 MCU（微控制器单元）的智慧卡通常与个人识别码 (PIN) 一起使用。 MCU 有多种用途，包括增强组织的安全性、充当多重身份验证 (MFA) 令牌以及对单一登入 (SSO) 使用者进行身份验证。线上交易的指数级增长已经超过了面对面交易，这在一定程度上要归功于疫情大流行以及 Apple Pay、Klarna、Stripe 和 Amazon Pay 等替代付款方式的兴起。这些进步大大扩展了智慧卡技术在产业中的潜在应用。
  • EMV 卡技术采用整合到信用卡和签帐金融卡中的小型、强大的晶片，并被认为是一种不断发展的付款解决方案。 EMV 代表 Europay、Mastercard 和 Visa，代表了该行业标准背后的共同努力。这些先进的卡片对于透过减少信用卡诈欺造成的损失、促进更安全的付款环境并确保更安全的交易体验来加强业务和客户安全至关重要。
  • 大多数新型 EMV 卡和基于晶片的读卡器都配备了近场通讯(NFC) 技术，可实现非接触式付款。客户可以在读卡机上刷卡，以实现更快、更安全的交易。除了增强安全性之外，EMV 智慧卡还透过安全的卡到终端通讯提高了速度和便利性，使商家和持卡人都受益。
  • EMV卡配备了采用加密演算法的晶片，每次使用时都会对资料进行唯一的加密，使交易更加安全。对于持卡交易，这些卡片采用双重身分验证流程，需要实体卡片和客户的密码。这种身份验证方法可验证持卡人的身份，并对晶片产生的动态密码(OTP) 进行验证和核准。预期的技术进步将推动对智慧卡技术的广泛需求，并在短期内推动市场成长。
智慧卡MCU-市场-IMG2

亚太地区预计将占据主要市场占有率

  • 亚太地区智慧卡技术的采用正在经历向多应用程式智慧卡的转变。这些卡片具有多种用途，包括付款、识别和存取控制，为消费者提高便利性和效率，并降低企业成本。此外，对改进智慧卡安全功能的需求日益增长，特别是随着线上交易的增加。
  • 智慧卡技术在印度广泛普及，部分归功于政府对数位化的关注。几乎每个印度公民都可能拥有某种形式的智慧卡。这些卡片广泛应用于各个领域，包括银行、医疗保健、交通和政府识别。例如，在印度，智慧卡用于驾驶执照/车辆登记证（DL/RC）、多用途国民身份证（MNIC）、Rashtriya Swasthya Bima Yojana（RSBY）、电子护照（e-Passport）等。该地区越来越多地采用智慧卡技术，预计将推动市场发展。
  • 预计在不久的将来，数位付款和智慧卡的需求将会激增。印度的 BFSI 产业正在朝着采用智慧卡技术的方向发展，预计将为 MCU 製造商提供广阔的前景。值得注意的是，Rashtriya Swasthya Bima Yojana (RSBY) 旗下营运的保险公司和银行的商业通讯员已製造了数百万张晶片卡，使印度成为智慧卡技术采用最快的国家之一。这些因素预计将提振市场需求。
  • IC卡技术在印度的引进也提高了广大民众的生活质量，使社会福利计画和交通系统受益。一个例子是 Shakti 智慧卡计划，该计划允许卡纳塔克邦的女性自由乘坐非高级巴士。据 EMVCo 称，倡议缩短了交易时间，最大限度地减少了损失并提高了受益人的满意度。智慧卡等创新技术的使用有可能增强未来的福利计划。
  • 配备能够建立短距离无线连线的 MCU 的智慧付款卡有潜力用于非接触式付款系统。随着非接触式卡的使用不断增长以及普及不断提高，使用这种方式进行的付款量大幅增加，从而产生了巨大的市场需求。
智慧卡MCU-市场-IMG3

智慧卡MCU产业概况

智慧卡MCU市场半固定，各大公司竞争日益激烈。这种形势的特点是受一体化程度提高、技术进步和不断变化的地缘政治局势影响而出现波动。随着对永续竞争优势的技术创新的重视，预计最终用户产业新客户的需求将激增，竞争将持续加剧。

在这种情况下，在考虑微控制器製造中最终用户的品质期望时，品牌标识至关重要。市场渗透率很高，成熟的参与者包括英飞凌科技公司、瑞萨电子公司、德州仪器公司和义法半导体公司。

2023年9月，GlobalFoundries和Microchip Technology透过Microchip子公司SST（Silicon Storage Technology）宣布推出SST ESF3第三代嵌入式SuperFlash技术NVM解决方案。这种最先进的解决方案现已可用于 GF 28SLPe晶圆代工厂製程生产，并受到 GF 客户的好评。凭藉出色的性能、出色的可靠性、多样化的 IP 选项和成本效益，您将在高级 MCU、复杂智慧卡以及消费性和工业物联网晶片中找到理想的应用。

2023 年 6 月，三星电子推出了一款具有一体式付款解决方案的生物识别卡 IC，有望带来创新的付款体验。这款新型指纹认证安全晶片获得高度评价，荣获 CES 2023 网路安全和个人隐私类别最佳创新奖。

其他福利：

  • Excel 格式的市场预测 (ME) 表
  • 3 个月的分析师支持

目录

第一章简介

  • 研究假设和市场定义
  • 调查范围

第二章调查方法

第三章执行摘要

第四章市场洞察

  • 市场概况
  • 产业吸引力－波特五力分析
    • 供应商的议价能力
    • 消费者议价能力
    • 新进入者的威胁
    • 竞争公司之间的敌对关係
    • 替代品的威胁
  • 产业价值链分析
  • COVID-19 和宏观经济趋势对市场的影响

第五章市场动态

  • 市场驱动因素
    • 数位科技的快速发展
    • 增加政府对交通系统的投资
  • 市场挑战
    • 行动钱包和数位钱包的普及

第六章市场区隔

  • 副产品
    • 8位
    • 16位
    • 32位
  • 按功能分类
    • 交易
    • 通讯
    • 安全存取控制
  • 按最终用户产业
    • BFSI
    • 通讯业
    • 政府/医疗保健
    • 教育机构
    • 零售
    • 运输
    • 其他最终用户产业
  • 按地区
    • 北美洲
    • 欧洲
    • 亚太地区
    • 世界其他地区

第七章 竞争形势

  • 公司简介
    • NXP Semiconductors NV
    • Renesas Electronics Corporation
    • Infineon Technologies AG
    • STMicroelectronics
    • Microchip Technology Inc.
    • Idemia Group
    • Thales group
    • Giesecke+Devrient
    • Zilog, Inc.
    • Samsung Electronics Co. Ltd

第八章投资分析及市场展望

简介目录
Product Code: 90910

The Smartcard MCU Market size is estimated at USD 3.32 billion in 2024, and is expected to reach USD 4.29 billion by 2029, growing at a CAGR of 5.29% during the forecast period (2024-2029).

Smartcard MCU - Market - IMG1

Key Highlights

  • The Internet's rapid expansion has made electronic shopping a real possibility among computer users if not a habit; nevertheless, the present business model used in electronic commerce applications cannot fully exploit the potential of the electronic medium.
  • The market growth is driven by the increasing development in RFID technology and NFC in smart cards. Contactless smart cards, leveraging the rapid evolution of radio frequency identification (RFID) technology, are gaining popularity. These cards use RFID technology to process transactions. Key vendors are concentrating on introducing contactless smart cards due to their growing consumer demand, which is expected to fuel market growth.
  • The proliferation of smart card technology in the transportation industry, along with growing government investments in implementing digital technology, drives market growth. Electronic smart cards are now viable alternative payment methods for transport operators. In recent years, many operators and system providers have initiated smart card-based systems either to complement or replace existing payment methods.
  • Furthermore, security and miniaturization represent the two fastest-evolving aspects of smart card technology. With global migration to higher security EMV banking cards, the newest generation of smart cards boasts full on-chip cryptography, significantly enhancing industry-wide card security. Moreover, smart cards are increasingly being miniaturized into diverse form factors like mini-tags and smart wearables. These trends will persist as smart cards are increasingly employed as a two-factor credential alongside phones or biometrics.
  • The primary challenge facing smart cards is their security level. To realize their full potential, smart cards must interact with various interfaces. However, a security issue arises concerning public perception; people might need to be made aware of the personal details stored on their cards, assuming they are secure. Yet, there needs to be an awareness that information extracted from smart cards is collected and analyzed elsewhere.
  • Additionally, the COVID-19 pandemic accelerated the adoption of contactless smart cards, driven by government and World Health Organization advocacy to prevent the spread of coronavirus. Healthcare smart cards gained traction during and post-pandemic periods due to increased patient numbers and healthcare digitalization.

Smartcard MCU Market Trends

BFSI to Witness the Growth

  • Smart cards for banking and finance now incorporate specialized integrated circuit cards, ensuring robust security measures. These cards house embedded memory chips and microprocessors, enabling secure data storage and processing. They serve diverse functions in financial activities, including transaction authentication, secure access to online banking services, debit and credit card payments, and contactless payment methods.
  • The digitization of payment processes owes much to the Internet's development and the emergence of e-commerce. This transition has led to a plethora of electronic payment options, ranging from payment cards (credit and debit) to digital wallets, electronic cash, and contactless payment methods. The surging popularity of mobile payment services is currently undergoing a transitional phase, poised for future technological advancements. These advancements in payment methods are expected to leverage smart card technology, driving market growth.
  • Smart cards featuring MCUs (microcontroller units) are commonly used alongside personal identification numbers (PINs). They serve multiple purposes, enhancing organizational security, acting as multifactor authentication (MFA) tokens, and verifying single sign-on (SSO) users, ultimately facilitating passwordless authentication. The rapid increase in online transactions, partly due to the pandemic and the rise of alternative payment methods like Apple Pay, Klarna, Stripe, and Amazon Pay, has surpassed face-to-face transactions. These advancements significantly expand the potential applications of smart card technology in the industry.
  • EMV card technology, employing compact yet robust chips integrated into credit and debit cards, is increasingly recognized as an evolving payment solution. EMV, an acronym for Europay, Mastercard, and Visa, denotes the collaborative efforts behind this industry standard. These advanced cards are indispensable in fortifying businesses and customer security by mitigating credit card fraud losses, fostering a more secure payment environment, and ensuring a safer transactional experience.
  • Most new EMV cards and chip-based readers come equipped with near-field communication (NFC) technology, enabling contactless payments. Customers can wave their cards across the reader, facilitating quicker and more secure transactions. Besides heightened security, EMV smart cards offer enhanced speed and convenience by securely communicating between the card and the terminal, benefitting both merchants and cardholders.
  • EMV cards, featuring chips employing cryptographic algorithms, heighten transaction security by uniquely encrypting data with each use. During card-present transactions, these cards employ a dual verification process, requiring the physical card and the customer's PIN. This authentication method validates the cardholder, enabling the confirmation and approval of the one-time password (OTP) generated by the chip. Anticipated technological advancements are poised to stimulate extensive demand for smart card technology, propelling market growth in the foreseeable future.
Smartcard MCU - Market - IMG2

Asia-Pacific Expected to Hold Significant Market Share

  • The adoption of smart card technology in the APAC is experiencing a change towards multi-application smart cards. These cards are being used for multiple purposes, such as payment, identification, and access control, resulting in greater convenience and efficiency for consumers and cost savings for businesses. Moreover, the need for enhanced security features in smart cards has been growing, particularly with the increase in online transactions.
  • Smart card technology has gained widespread popularity in India, owing to the government's focus on digitalization. Almost every Indian citizen probably possesses some form of a smart card. These cards are extensively utilized in various sectors, such as banking, healthcare, transportation, and government identification. For example, smart cards are employed for Driving License/Vehicle Registration Certificate (DL/RC), Multi-purpose National Identity Card (MNIC), Rashtriya Swasthya Bima Yojana (RSBY), and Electronic Passport (e-Passport) in India. The increasing adoption of smart card technology in the region is expected to drive the market.
  • The near future is expected to witness a surge in the demand for digital payments and smart cards. The Indian BFSI sector is progressively embracing smart card technology, which is anticipated to provide substantial prospects for MCU makers. Notably, insurance companies operating under the Rashtriya Swasthya Bima Yojana (RSBY) and business correspondents for banks are producing millions of chip cards, making India one of the swiftest adopters of smart card technology. Such factors are expected to drive the demand for the market.
  • In addition, implementing smart card technology in India has benefited social welfare programs and transportation systems, as it has improved the quality of life for the general public. An example is the Shakti smart card scheme, which enables women residing in Karnataka to travel freely on non-premium buses. According to EMVCo, the Smart Card India initiative has reduced transaction time, minimized losses, and increased satisfaction among beneficiaries. The utilization of innovative technologies like smart cards has the potential to enhance future welfare programs.
  • Smart cards equipped with MCUs that possess the ability to establish short-range wireless connections have the potential to be utilized in contactless payment systems. As the usage of contactless cards continues to rise and their adoption rates increase within the region, the volume of payments conducted through this method has experienced a substantial surge, consequently generating a notable market demand.
Smartcard MCU - Market - IMG3

Smartcard MCU Industry Overview

The smartcard MCU market demonstrates semi-consolidation, marked by intensifying competition among major players. This landscape is characterized by fluctuations influenced by growing consolidation, technological advancements, and evolving geopolitical scenarios. With a pronounced emphasis on innovation for sustainable competitive advantage, competition is poised to escalate, buoyed by the anticipated surge in demand from new customers within end-user industries.

In this context, brand identity assumes paramount importance, given the expectations of quality from end-users in microcontroller manufacturing. The market features prominent incumbents like Infineon Technologies AG, Renesas Electronics Corporation, Texas Instruments Incorporated, and STMicroelectronics NV, resulting in high market penetration levels.

September 2023 witnessed the unveiling of the SST ESF3 third-generation embedded SuperFlash technology NVM solution by GlobalFoundries and Microchip Technology, introduced through Microchip's subsidiary, Silicon Storage Technology (SST). Now available for production in the GF 28SLPe foundry process, this cutting-edge solution has garnered commendation from GF's clientele. It boasts remarkable performance, exceptional reliability, a diverse array of IP options, and cost efficiency, finding ideal applications in advanced MCUs, intricate smart cards, and IoT chips for consumer and industrial use.

In June 2023, Samsung Electronics introduced a biometric card IC featuring an all-in-one payment solution, promising an innovative payment experience. This new fingerprint security chip earned recognition as the winner of the CES 2023 Best of Innovation Awards in the Cybersecurity & Personal Privacy category.

Additional Benefits:

  • The market estimate (ME) sheet in Excel format
  • 3 months of analyst support

TABLE OF CONTENTS

1 INTRODUCTION

  • 1.1 Study Assumptions and Market Definition
  • 1.2 Scope of the Study

2 RESEARCH METHODOLOGY

3 EXECUTIVE SUMMARY

4 MARKET INSIGHTS

  • 4.1 Market Overview
  • 4.2 Industry Attractiveness - Porter's Five Forces Analysis
    • 4.2.1 Bargaining Power of Suppliers
    • 4.2.2 Bargaining Power of Consumers
    • 4.2.3 Threat of New Entrants
    • 4.2.4 Intensity of Competitive Rivalry
    • 4.2.5 Threat of Substitutes
  • 4.3 Industry Value Chain Analysis
  • 4.4 Impact of COVID-19 and Macroeconomic Trends on the Market

5 MARKET DYNAMICS

  • 5.1 Market Drivers
    • 5.1.1 Rapid Development of Digital Technologies
    • 5.1.2 Increasing Investments by Governments in Transportation Systems
  • 5.2 Market Challenges
    • 5.2.1 Growing Popularity of Mobile or Digital Wallets

6 MARKET SEGMENTATION

  • 6.1 By Product
    • 6.1.1 8-bit
    • 6.1.2 16-bit
    • 6.1.3 32-bit
  • 6.2 By Functionality
    • 6.2.1 Transaction
    • 6.2.2 Communication
    • 6.2.3 Security and Access Control
  • 6.3 By End-user Industry
    • 6.3.1 BFSI
    • 6.3.2 Telecommunications
    • 6.3.3 Government and Healthcare
    • 6.3.4 Education
    • 6.3.5 Retail
    • 6.3.6 Transportation
    • 6.3.7 Other End-User Industries
  • 6.4 By Geography
    • 6.4.1 North America
    • 6.4.2 Europe
    • 6.4.3 Asia-Pacific
    • 6.4.4 Rest of the World

7 COMPETITIVE LANDSCAPE

  • 7.1 Company Profiles
    • 7.1.1 NXP Semiconductors NV
    • 7.1.2 Renesas Electronics Corporation
    • 7.1.3 Infineon Technologies AG
    • 7.1.4 STMicroelectronics
    • 7.1.5 Microchip Technology Inc.
    • 7.1.6 Idemia Group
    • 7.1.7 Thales group
    • 7.1.8 Giesecke+Devrient
    • 7.1.9 Zilog, Inc.
    • 7.1.10 Samsung Electronics Co. Ltd

8 INVESTMENT ANALYSIS AND MARKET OUTLOOK