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市场调查报告书
商品编码
1630348

交易监控：市场占有率分析、产业趋势与统计、成长预测（2025-2030）

Transaction Monitoring - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2025 - 2030)
出版日期: | 出版商: Mordor Intelligence | 英文 120 Pages | 商品交期: 2-3个工作天内

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简介目录

预计交易监控市场在预测期内的复合年增长率为 15.1%。

交易监控-市场-IMG1

主要亮点

  • 交易监控资料主要用于可疑活动报告 (SAR) 备案和其他符合多项反洗钱和反恐融资 (CTF) 法规的报告业务。世界各地的金融监管机构开始将交易监控作为一项法律要求。
  • 机器学习和人工智慧最终将被证明对市场有利。这种最尖端科技提供了更高的安全性，保护使用者的敏感资讯。进阶分析将提供主动保护和安全防范危害，从而提高交易监控技术的国际声誉。
  • 电子商务企业必须使用安全的付款闸道，并遵守在线开展业务和接收付款的最新严格法律和准则。这是影响交易监控市场成长率的一个重要方面。
  • 由于资料保护条例收紧以及付款网路基础设施内缺乏昂贵的安全解决方案，预计中小企业类别在预测期内将增长更快。
  • 由于需要更多训练有素、技术熟练的 IT 员工以及维护跨境合规性的难度日益增加，交易监控市场的扩张需要改善。

随着越来越多的人使用信用卡和其他线上付款方式在线购物，新型冠状病毒(COVID-19) 的爆发是交易监控行业增长放缓的一个主要因素，这为黑客的行动创造了更多机会。

交易监控市场趋势

服务预计将成长

  • 在快速发展的数位环境中，数位交易管理正在成为越来越多采用的软体解决方案。云端基础的软体解决方案越来越多地用于数位化监控和管理许多客户交易流程，包括汇款、存款和提款。
  • 预计数位交易监控解决方案将在预测期内占据重要的市场占有率。数位交易监控解决方案诞生于这些创新的云端服务，主要用于追踪基于文件的客户交易。
  • 云端处理技术和反洗钱（AML）解决方案的发展使金融机构变得更有效率并降低了开发IT基础设施的成本。
  • 对于安全资源有限的企业，云端基础的平台以基于 SaaS 的安全服务的形式提供了一种保护业务应用程式的单一方法。由于线上购买模式的增加，零售和製造业正受益于交易监控系统的实施。
  • 此外，科技的发展使交易监控和筛检过程更加成功。分析师 80% 以上的时间都花在检索资料而不是解决问题上，因此有新的方法可以加快资讯收集过程。进阶分析、机器学习和人工智慧 (AI) 正在取得进展。此外，还专注于加快 KYC 入门、调查行为趋势以及利用技术验证身份。
  • 该市场的特点是多元化参与者的存在。这些供应商始终如一地提供符合技术进步的创新解决方案，以满足各个最终用户行业垂直领域客户不断增长的需求。

北美地区占据主要市场占有率

  • 目前北美地区从交易监控业务中获得的收益最多。这是因为美国和北美其他地区目前占全球电子商务交易的大部分。
  • 其余两个北美国家墨西哥和加拿大在市场收益方面紧追在美国。随着电子商务在该地区的日益普及，墨西哥、加拿大和美国政府正在製定「了解你的客户」(KYC) 规则和法规。
  • 这些法规旨在最大限度地减少卡片诈骗和洗钱。还有一些旨在尽可能防止这两种行为的系统。
  • 监管 KYC 的法规和标准也旨在尽可能防止恐怖组织的融资。因此，这些法规通常包括复杂的分析。
  • 这种尖端分析可以通知信用卡公司卡片诈骗或恐怖分子融资很可能发生在当时（最好是之前）或至少发生后不久。北美市场的成长预计将受到所有这些因素的推动。

交易监控产业概述

交易监控市场本质上是分散的，主要企业采用各种技术，如新产品推出、业务扩张、合併和收购，可能会导致市场竞争激烈。

2022 年 9 月，FICO 宣布并授予了 11 项与诈欺、人工智慧 (AI)/机器学习 (ML) 和数位决策相关的新专利。最新的 11 项专利专注于各种软体解决方案、诈欺分析和增强的机器学习演算法，使客户能够利用专有的 AI 和 ML 演算法创建负责任且有效的 AI 决策系统。

其他好处

  • 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

  • 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
  • 评估 COVID-19 对产业的影响

第五章市场动态

  • 市场概况
  • 市场驱动因素
    • 结合人工智慧和机器学习的交易监控解决方案的进步
    • 更严格的监理合规性
  • 市场限制因素
    • 目前的软体解决方案误报率很高
  • 区域间资讯共用结构概述（美国-314(b)、英国-JMLIT（联合洗钱情报工作小组）等）
  • 更有效资讯共用的技术推动因素（包括 Verafin 和 Fintel 等供应商的努力和方法）

第六章 市场细分

  • 按成分
    • 解决方案
    • 服务
  • 按地区
    • 北美洲
    • 欧洲
    • 亚太地区
    • 拉丁美洲
    • 中东/非洲

第七章 竞争格局

  • 公司简介
    • Fair Isaac Corporation（FICO）
    • SAS Institute Inc.
    • Oracle Corporation
    • Protiviti Inc.
    • IBM Corporation
    • Fidelity National Information Services Inc.（FIS）
    • BAE Systems PLC
    • Infrasoft Technologies
    • Beam Solutions Inc.
    • Experian PLC
    • ACTICO GmbH

第八章投资分析

第九章 市场机会及未来趋势

简介目录
Product Code: 69584

The Transaction Monitoring Market is expected to register a CAGR of 15.1% during the forecast period.

Transaction Monitoring - Market - IMG1

Key Highlights

  • Transaction monitoring data is primarily used to submit Suspicious Activity Reports (SARs) and other reporting duties in compliance with several AML and counter-terrorist financing (CTF) regulations. Financial regulators worldwide are beginning to make transaction monitoring a legal necessity.
  • Machine learning and artificial intelligence will ultimately be beneficial for the market. Such cutting-edge technologies provide a higher level of security and protect the user's sensitive information. Advanced analytics offers protection and safety against preventative hazards; as a result, this will boost the reputation of transaction monitoring technology internationally.
  • Businesses conducting e-commerce must use secure payment gateways and adhere to the most recent and stringent laws and guidelines for conducting business and receiving payments online. This is a crucial aspect influencing the transaction monitoring market's growth rates.
  • The SMEs category is anticipated to grow more quickly throughout the projection period due to increasing data protection regulations and a lack of expensive security solutions within the payment network infrastructure.
  • The expansion of the transaction monitoring market needs to be improved by the need for more trained and skilled IT workers and the growing difficulty of maintaining cross-border compliance.

As more people purchase online using credit cards and other online payment methods, increasing the opportunity for hackers to act, the outbreak of COVID-19 was a significant factor in the decline in the growth of the transaction monitoring industry.

Transaction Monitoring Market Trends

Service to Witness the Growth

  • In the rapidly evolving digital landscape, digital transaction management has become an increasingly adopted software solution. Cloud-based software solutions are increasingly being used to digitally monitor and manage many customer transaction processes involving transfers, deposits, and withdrawals.
  • It is projected that digital transaction monitoring solutions will hold a sizeable market share during the forecast period. Digital transaction monitoring solutions have arisen from these ground-breaking cloud services, primarily designed to track document-based customer-based transactions.
  • Financial institutions' efficiency has grown due to the development of cloud computing technology and anti-money laundering (AML) solutions, which have also allowed them to cut the cost of developing an IT infrastructure.
  • For companies with limited resources for security measures, the cloud-based platform offers a single way to secure business applications in the form of SaaS-based security services. The retail and manufacturing industries have benefited from the deployment of transaction monitoring systems due to the rise in online buying patterns.
  • Additionally, technological developments help transaction monitoring and screening processes succeed better. Since analysts spend over 80% of their time acquiring data rather than resolving problems, there are new methods to speed up the information-gathering process. Advanced analytics, machine learning, and artificial intelligence (AI) are improving. The use of technology to speed up KYC onboarding, examine behavioral trends, and verify identification is also emphasized.
  • The presence of well-diversified players characterizes the market. These vendors consistently provide innovative solutions in line with the advancement in technologies that cater to customers' increasing needs across various end-user industry verticals.

North American Accounts to Hold Significant Market Share

  • The North American region now generates the most revenue from the transaction monitoring business. This is because the United States and the rest of the North American region currently account for most global e-commerce transactions.
  • The two remaining North American countries, Mexico and Canada, follow the United States in terms of market revenue generation. The governments of Mexico, Canada, and the United States are enacting Know Your Customer (KYC) rules and regulations as e-commerce grows in popularity in this region.
  • These regulations are meant to minimize credit card fraud and money laundering. They also have systems that are intended to stop both actions from happening as often as feasible.
  • Regulations and standards governing KYC are also intended to prevent as much funding as possible for terrorist organizations. Because of this, advanced analytics are frequently included in these laws and regulations.
  • These cutting-edge analytics are intended to notify credit card firms of probable credit card fraud or terrorist financing activities either at the time they take place (preferably before they do) or, at the least, shortly after. The North American market growth is anticipated to be fueled by all of these factors.

Transaction Monitoring Industry Overview

The transaction monitoring market is fragmented in nature, and the major players have employed various methods, including introducing new products, expansions, mergers, and acquisitions, among others, which may result in the emergence of a highly competitive market.

In September 2022, FICO announced and granted eleven new patents related to fraud, artificial intelligence (AI)/machine learning (ML), and digital decisioning. The latest 11 patents focus on various software solutions, fraud analytics, and enhanced machine learning algorithms to help its customers build responsible and effective AI decisioning systems leveraging purpose-built AI and ML algorithms.

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 Substitute Products
  • 4.3 Assessment of Impact of COVID-19 on the Industry

5 MARKET DYNAMICS

  • 5.1 Market Overview
  • 5.2 Market Drivers
    • 5.2.1 Advancement in Transaction Monitoring Solution incorporating AI and ML
    • 5.2.2 Increasing Stringent Regulatory Compliance
  • 5.3 Market Restraints
    • 5.3.1 High Percentage of False Positives with Current Software Solutions
  • 5.4 Overview of Information-Sharing Structures across regions (US - 314(b), UK - Joint Money Laundering Intelligence Taskforce (JMLIT), etc.)
  • 5.5 Technology Enablers for More Effective Information Sharing (Including initiatives and approaches of vendors such as Verafin, Fintel, etc.)

6 MARKET SEGMENTATION

  • 6.1 Component
    • 6.1.1 Solutions
    • 6.1.2 Services
  • 6.2 Geography
    • 6.2.1 North America
    • 6.2.2 Europe
    • 6.2.3 Asia-Pacific
    • 6.2.4 Latin America
    • 6.2.5 Middle-East and Africa

7 COMPETITIVE LANDSCAPE

  • 7.1 Company Profiles
    • 7.1.1 Fair Isaac Corporation (FICO)
    • 7.1.2 SAS Institute Inc.
    • 7.1.3 Oracle Corporation
    • 7.1.4 Protiviti Inc.
    • 7.1.5 IBM Corporation
    • 7.1.6 Fidelity National Information Services Inc. (FIS)
    • 7.1.7 BAE Systems PLC
    • 7.1.8 Infrasoft Technologies
    • 7.1.9 Beam Solutions Inc.
    • 7.1.10 Experian PLC
    • 7.1.11 ACTICO GmbH

8 INVESTMENT ANALYSIS

9 MARKET OPPORTUNITIES AND FUTURE TRENDS