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市场调查报告书
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1433510

代币化解决方案 -市场占有率分析、行业趋势/统计、成长预测（2024-2029）

Tokenization Solution - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2024 - 2029)
出版日期: | 出版商: Mordor Intelligence | 英文 135 Pages | 商品交期: 2-3个工作天内

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简介目录

预计 2024 年代币化解决方案市场规模为 53.5 亿美元，预计到 2029 年将达到 120.7 亿美元，在预测期内（2024-2029 年）复合年增长率为 17.68%。

通证化解决方案-市场

预计推动代币化市场发展的主要因素是需要保持合规性并满足监管报告标准、需要确保持续的客户体验以及由于金融诈骗的增加而保持一定程度的诈骗预防。公司数量以及降低资料外洩风险的需要。

主要亮点

  • 资料将成为智慧财产权，能够资料提取情报的公司，无论是创新医院还是自动驾驶汽车，都将引领潮流。然而，随着资料重要性的增加，安全性的需求和成本也随之增加。因此，这种需求正在创造对代币化解决方案的需求。
  • 云端服务中资料的激增也是推动代币化解决方案采用的主要因素。云端服务的易用性和经济性正在帮助大型企业和中小型企业采用云端为基础的模式。随着资料转移到云端，标记化解决方案越来越多地用于保护储存在云端的资料。
  • 几乎每个行业越来越多地采用区块链技术也推动了对代币化解决方案的需求。房地产行业越来越多地采用代币化解决方案，也提高了该行业的可及性。代币化解决方案还提供将资产转换为任何代币价值的能力，从而降低与投资相关的高成本。这使得投资者甚至可以购买小型房地产股票。
  • 安全付款闸道的需求持续成长。由于付款闸道的日益普及，客户正在转向与货币相关且更安全的付款闸道选项。
  • 代币化解决方案，即使用替代品替代敏感价值的概念，在付款和金融服务领域已被广泛使用一段时间了。然而，消费者主导智慧型设备的需求和快速变化的技术推动了行业代币化解决方案的创新和进步。
  • 新冠肺炎 (COVID-19) 过后，数位付款接受度预计将得到改善，并在长期内发挥重要作用。现金被认为是 COVID-19 的载体，因此政府和监管机构不鼓励使用现金。因此，COVID-19 对代币化解决方案市场产生了积极影响。

代币化解决方案市场的趋势

BFSI 占最大市场规模

  • 银行、金融和保险机构从内部和第三方来源取得敏感资料。因此，我们预期代币化的采用将在 BFSI 领域中变得更加突出和频繁。这是因为标记化为卡片和线上交易期间经常面临风险的敏感资料提供了安全性。
  • 代币化解决方案的另一个好处是，它们可以显着减少与 PAN 洩漏相关的诈欺损失，这主要推动了它们在银行中的日益普及。银行卡和付款诈欺的减少也意味着纠纷的减少。此外，银行可以设定精确的风险比率和限额，并为善意客户核准高价值交易。使用传统的基于 PAN 的解决方案很难实现这些优势。因此，代币化解决方案市场正在蓬勃发展。
  • 令牌化解决方案的采用也减少了银行卡片诈骗的数量。此外，它为 BFSI 部门带来了弹性、有效性、安全性和低成本模式。诈欺案件的减少预计将增加全球 BFSI 行业的收益，并进一步推动代币化解决方案市场的发展。
  • 随着数位化和资料分析的融合，保险业正经历一场由科技主导的巨大变革。代币化解决方案可协助保险公司保护客户资料、安全支付保费并进行分析。代币化解决方案可协助保险公司保护客户资料、确保保费支付和分析安全。它还有助于减少诈骗案件，并帮助保险公司将其模式从「检测和修復」转变为「预测和预防」。
  • 此外，2023 年 5 月，卡片付款提供者 Visa 推出了一项功能，如果卡片是令牌化的，则允许客户无需输入持卡人验证值 (CVV) 即可进行线上交易。印度推出的免 CVV 功能旨在简化线上交易。利用此优势的企业将不再需要要求客户在每笔国内交易中输入 CVV。卡片背面的这个 3 位数字在令牌化过程中只验证一次。
  • 区块链在加密货币和 NFT 等金融应用中的日益使用可能会在研究期间推动代币化。例如，从2022年4月15日到2023年4月，艺术领域的非同质化代币（NFT）的总销售额波动剧烈。

预计北美将占据较大市场占有率

  • 由于付款闸道产业较早采用先进技术，北美已成为代币化解决方案市场的主导地区。大多数代币化解决方案供应商都位于美国，占代币化解决方案市场收益的大部分。
  • 北美是一个受到严格监管的地区，网路攻击、常见付款诈骗以及 CCPA 等法规都会影响整个产业。预计该地区对代币化的需求将会增加。客户偏好也在发生变化，向数位信用卡和非接触式付款的转变预计将推动代币化市场的成长。
  • 推动北美代标记化市场成长的因素包括智慧型手机、电子商务、线上游戏、线上串流媒体和政府服务的日益使用。由于网路购物和交易增加了网路威胁的可能性，各国政府也在努力改善网路安全和线上交易。
  • 该地区云端技术的采用率最高，是代币化解决方案日益采用的关键因素。该地区也是主要电子商务公司的所在地，并且代币化解决方案的采用率最高。
  • 该地区零售和电子商务行业的显着增长预计将进一步扩大代币化解决方案市场。 BFSI 产业也在该地区实现健康成长。由于该地区对区块链技术的采用率最高，因此代币化解决方案的市场预计将进一步扩大。

代币化解决方案产业概述

由于许多在国内和国际范围内运营的参与者，代币化解决方案市场竞争非常激烈。市场高度分散，主要参与者包括 Paymetric, Inc.、Protegrity USA, Inc.、Broadcom Inc.、Thales Group 和 Hewlett Packard Enterprise。公司正在提高其在该领域的专业知识和安全性，以获得竞争优势。

  • 2022 年 8 月－印度储备银行（RBI）将把代币化功能从传统的基于设计的代币化框架升级为卡文件标记化（COFT），以确保付款系统的安全性和保障性）得到了扩展。数位付款提供商 Paytm 宣布了一项针对线上信用卡和签帐金融卡交易的代币化计划。印度央行宣布了支付聚合商（PA）和支付网关（PG）的规则，这标誌着这项发展的开始。
  • 2022 年 5 月 - 泰雷兹宣布其 CipherTrust 令牌化是第一个经过 SAP检验的SAP 用户端令牌化解决方案，可用于保护敏感资料。泰雷兹的标记化解决方案可透过 SAP Data Custodian 访问，提供更精细的资料安全和使用者存取限制，加快企业将更多应用程式和工作负载迁移到云端的合规性，并显着缩短时间。

其他福利：

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

目录

第一章简介

  • 调查先决条件
  • 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
    • 新进入者的威胁
    • 买家/消费者的议价能力
    • 供应商的议价能力
    • 替代品的威胁
    • 竞争公司之间敌对关係的强度
  • COVID-19 对市场的影响

第五章市场动态

  • 市场驱动因素
    • 安全付款闸道的需求不断增长
    • 电子商务和行动付款的采用率提高
    • 加强政府对资料安全的监管
  • 市场限制因素
    • 透过 EMV 标准解决漏洞
    • 由于产品相似而缺乏认知

第六章市场区隔

  • 按类型
    • 解决方案
    • 按服务
  • 按配置
    • 本地
    • 云
  • 按最终用户产业
    • 零售/电子商务
    • 运输/物流
    • BFSI
    • 资讯科技/通讯
    • 卫生保健
    • 政府机关
    • 能源与公共产业
    • 其他最终用户产业
  • 按地区
    • 北美洲
      • 美国
      • 加拿大
    • 欧洲
      • 英国
      • 德国
      • 法国
      • 其他欧洲国家
    • 亚太地区
      • 中国
      • 印度
      • 澳洲
      • 其他亚太地区
    • 拉丁美洲
      • 巴西
      • 墨西哥
      • 阿根廷
      • 其他拉丁美洲
    • 中东/非洲
      • 阿拉伯聯合大公国
      • 沙乌地阿拉伯
      • 南非
      • 其他中东和非洲

第七章 竞争形势

  • 公司简介
    • Paymetric, Inc.（A Worldpay Company）
    • Protegrity USA, Inc.
    • Broadcom Inc.
    • Thales Group
    • Hewlett Packard Enterprise
    • First Data Corporation
    • Cardconnect Corporation
    • 3delta Systems, Inc.
    • Ciphercloud Incorporation
    • Cybersource Corporation
    • Liaison Technologies Inc
    • Fiserv, Inc.
    • Tokenex, LLC

第八章市场的未来

第九章投资分析

简介目录
Product Code: 62354

The Tokenization Solution Market size is estimated at USD 5.35 billion in 2024, and is expected to reach USD 12.07 billion by 2029, growing at a CAGR of 17.68% during the forecast period (2024-2029).

Tokenization Solution - Market

The main factors anticipated to propel the development of the tokenization market are the need to remain compliant and meet regulatory reporting standards, the growing need to guarantee continuous customer experience and maintain fraud prevention levels due to increasing financial frauds, and the need to reduce risk from data breaches.

Key Highlights

  • Data has become an intellectual property and companies that can distill intelligence from their data, whether in an innovative hospital or from an autonomous car, are expected to be the ones to lead. But, as the importance of data increases, the need for security and the cost of security also increases simultaneously. Hence, this need is generating the demand for tokenization solutions.
  • The data proliferation in cloud services is also a significant factor in the growing adoption of tokenization solutions. Easy and affordable accessibility of cloud services is not only helping large enterprises but also SMEs in adopting a cloud-based model. As more data moves to the cloud, tokenization solutions are being used to secure data stored in the cloud.
  • The increasing adoption of blockchain technology in almost every industry is another factor thriving the demand for tokenization solutions. The rising adoption of tokenization solutions in the real estate industry is also enhancing the accessibility of the sector. Tokenization solutions also mitigate high costs associated with the investment by providing the ability to convert assets into any token value. Through this, investors can buy even a tiny property share.
  • There has been a continuously growing demand for secure payment gateways. Due to the increased adoption rate of payment gateways, customers are switching to more secure payment gateway options due to the currency involved.
  • A tokenization solution, the concept of a surrogate being used to replace the sensitive value, has been prominently used in payments and financial services for a considerably long period. However, the consumer-driven demand for smart devices, coupled with rapidly changing technologies, has the industry buzzed about tokenization solutions innovations and advancements.
  • Accepting digital payment methods is anticipated to improve post-COVID-19 and play a crucial role in the longer term. With cash being seen as a carrier for COVID-19, governments and regulatory bodies have discouraged its use. Therefore, COVID-19 has had a positive impact on the Tokenization Solution Market.

Tokenization Solution Market Trends

BFSI to hold the largest market size

  • Banking, financial, and insurance institutions are privy to sensitive data from internal and third-party sources. Hence, adopting Tokenization is expected to be more prominent and frequent in the BFSI sector, as it provides security for sensitive data, which is prone to risk during card or online transactions.
  • The other benefit of tokenization solutions, primarily resulting in growing adoption for banks, is the significant reduction of fraud losses related to PAN compromise. Reduced card and payment fraud also mean fewer disputes. Furthermore, banks can set accurate risk ratios and limits and authorize high-value transactions for genuine customers. These advantages are more difficult to achieve with a traditional PAN-based solution. Hence, a thriving market for tokenization solutions.
  • Adopting tokenization solutions has also reduced the number of card fraud cases in banks. Besides, it also brings flexibility, effectiveness, security, and a low-cost model to the BFSI sector. Reduction in fraud cases would increase the revenue of the BFSI industry globally, which is estimated to drive the market for Tokenization solutions further.
  • Due to the digitization and data analytics integration, the Insurance industry is on the verge of a seismic, tech-driven shift. Tokenization solutions are helping insurance companies in customer data protection and secure payment of premiums and their analysis. It is also assisting in reducing fraud cases and the transformation of insurance companies' model of "detect and repair" to "predict and prevent."
  • Futhermore, in May 2023, Visa, a firm that provides card payments, has introduced a feature that, if the card has been tokenized, enables customers to conduct online transactions without having to enter the cardholder verification value (CVV). The CVV-free function, which was introduced in India, aims to simplify online transactions. Those businesses that use it won't need to ask clients for their CVV each time they do a domestic transaction. This three-digit number on the back of the card will only be verified once, during the tokenization process.
  • The increasing usage of blockchain in financial applications such as cryptocurrencies and NFTs will drive Tokenization in the studied period. For instance, the total value of sales involving non-fungible tokens (NFTs) in the art area fluctuated wildly between April 15, 2022, and April 2023.

North America is Expected to Hold Significant Market Share

  • North America is the dominating region in the tokenization solution market, owing to the earliest adoption of advanced technology in the payment gateway industry. Most tokenization solution vendors are American based, accounting for the major portion of the revenue of the tokenization solution market.
  • North America is a highly regulated region, with the regulations like a surge in cyber attacks, generally fraud of payments, and CCPA across the industry. It is expected that the need for tokenization will grow in this region. Customers' preferences are also changing; their inclination toward digital credit cards and contactless payments is expected to fuel the tokenization market growth.
  • The factors that are also intending the North American tokenization market growth are increasing usage of smartphones, E-Commerce, and services like online gaming, online streaming, and government services. The government is also taking initiatives to improve cyber security and online transactions because online shopping or transactions are increasing the chances of cyber threats.
  • The adoption of cloud technology is highest in the region, a vital reason for the growing adoption of tokenization solutions. The region is also the home of all the major e-commerce major companies, where the adoption of tokenization solutions is highest.
  • The significant growth of the retail and e-commerce industry in the region is further estimated to grow the tokenization solution market. The BFSI sector has also shown healthy growth in the region. The highest adoption of blockchain technology in the region is estimated to further expand the tokenization solution market significantly.

Tokenization Solution Industry Overview

The Tokenization solution market is competitive because of the presence of many players running their businesses within national and international boundaries. The market is highly fragmented, with significant players like Paymetric, Inc., Protegrity USA, Inc., Broadcom Inc., Thales Group, and Hewlett Packard Enterprise. The companies improve their expertise in the field and security to gain a competitive advantage.

  • August 2022 - The Reserve Bank of India (RBI) has expanded the tokenization facility from an earlier designed-based tokenization framework to Card on File Tokenization (COFT) to ensure the payment system's safety and security. The digital payment provider Paytm has unveiled a tokenization method for online credit and debit card transactions. The RBI released rules for payment aggregators (PA) and payment gateways (PG), which sparked the beginning of this development.
  • May 2022 - Thales declared that their CipherTrust Tokenization is the first tokenization solution for SAP clients validated by SAP and can be used to safeguard sensitive data. The tokenization solution from Thales, accessible through SAP Data Custodian, offers more granular levels of data security and user access restrictions, significantly reducing the time to compliance for businesses that are shifting more apps and workloads to the cloud.

Additional Benefits:

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

TABLE OF CONTENTS

1 INTRODUCTION

  • 1.1 Study Assumptions
  • 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 Force Analysis
    • 4.2.1 Threat of New Entrants
    • 4.2.2 Bargaining Power of Buyers/Consumers
    • 4.2.3 Bargaining Power of Suppliers
    • 4.2.4 Threat of Substitute Products
    • 4.2.5 Intensity of Competitive Rivalry
  • 4.3 IMPACT OF COVID-19 ON THE MARKET

5 MARKET DYNAMICS

  • 5.1 Market Drivers
    • 5.1.1 Growing Demand for Secure Payment Gateways
    • 5.1.2 Rising Adoption in E-commerce and Mobile payments
    • 5.1.3 Growing Government Regulations On Data Security
  • 5.2 Market Restraints
    • 5.2.1 Addressing Vulnerabilities From EMV Standards
    • 5.2.2 Lack of Awareness Due to Similar Products

6 MARKET SEGMENTATION

  • 6.1 By Type
    • 6.1.1 Solutions
    • 6.1.2 Services
  • 6.2 By Deployment
    • 6.2.1 On-Premise
    • 6.2.2 Cloud
  • 6.3 By End-User Industry
    • 6.3.1 Retail & E-commerce
    • 6.3.2 Transportation & Logistics
    • 6.3.3 BFSI
    • 6.3.4 IT & Telecommunications
    • 6.3.5 Healthcare
    • 6.3.6 Government
    • 6.3.7 Energy & Utilities
    • 6.3.8 Other End-User Industries
  • 6.4 Geography
    • 6.4.1 North America
      • 6.4.1.1 United States
      • 6.4.1.2 Canada
    • 6.4.2 Europe
      • 6.4.2.1 United Kingdom
      • 6.4.2.2 Germany
      • 6.4.2.3 France
      • 6.4.2.4 Rest of Europe
    • 6.4.3 Asia Pacific
      • 6.4.3.1 China
      • 6.4.3.2 India
      • 6.4.3.3 Australia
      • 6.4.3.4 Rest of Asia-Pacific
    • 6.4.4 Latin America
      • 6.4.4.1 Brazil
      • 6.4.4.2 Mexico
      • 6.4.4.3 Argentina
      • 6.4.4.4 Rest of Latin America
    • 6.4.5 Middle East & Africa
      • 6.4.5.1 United Arab Emirates
      • 6.4.5.2 Saudi Arabia
      • 6.4.5.3 South Africa
      • 6.4.5.4 Rest of Middle East and Africa

7 COMPETITIVE LANDSCAPE

  • 7.1 Company Profiles
    • 7.1.1 Paymetric, Inc. (A Worldpay Company)
    • 7.1.2 Protegrity USA, Inc.
    • 7.1.3 Broadcom Inc.
    • 7.1.4 Thales Group
    • 7.1.5 Hewlett Packard Enterprise
    • 7.1.6 First Data Corporation
    • 7.1.7 Cardconnect Corporation
    • 7.1.8 3delta Systems, Inc.
    • 7.1.9 Ciphercloud Incorporation
    • 7.1.10 Cybersource Corporation
    • 7.1.11 Liaison Technologies Inc
    • 7.1.12 Fiserv, Inc.
    • 7.1.13 Tokenex, LLC

8 FUTURE OF THE MARKET

9 INVESTMENT ANALYSIS