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中东犯罪与打击：市场占有率分析、产业趋势、统计和成长预测（2025-2030 年）

Middle East Crime and Combat - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2025 - 2030)

出版日期: 2025年03月18日 | 出版商:

Mordor Intelligence | 英文 166 Pages | 商品交期: 2-3个工作天内

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简介目录

预测期内，中东犯罪和打击市场预计将以 13.59% 的复合年增长率成长。

主要亮点

监管机构致力于减少与行动钱包、电子付款和电子货币发行等新付款方式相关的洗钱问题。它还高度重视打击网路犯罪和减轻与虚拟货币相关的洗钱威胁。
随着传统付款（尤其是即时付款、高价值付款、加密货币和新产品开发）的变化，监管期望和审查也在迅速演变。过去几年，监管机构致力于实现银行反洗钱合规计画的现代化，鼓励技术创新，并改善金融机构之间的协作和沟通。
2023 年 1 月，阿联酋中央银行针对持牌金融机构 (LFI) 发布了新的洗钱防制和打击恐怖主义融资 (AML/CFT) 指南。据阿联酋中央银行称，该计划将帮助大型金融机构评估风险并有效履行反洗钱/反恐怖主义融资的合法要求，同时考虑到金融行动特别工作组 (FATF) 的标准。
洗钱防止法鼓励金融机构提高透明度、采用先进技术并建立全面的客户檔案。希望更积极主动的银行可能需要随时了解法规和政策，并建立基础设施来整合更多的资料来源。 KYC 流程是自动化的，提供了良好的客户体验。
由于金融服务监管的严格性以及全球金融犯罪的高风险，洗钱已成为金融服务机构关注的重点。随着反洗钱合规监管环境的变化，拥有深入反洗钱知识和技能的熟练人才已成为开发反洗钱解决方案所面临的挑战。
新冠肺炎疫情以来，洗钱案件仍在增加，各企业致力于制定防范洗钱的策略措施。例如，2022年12月，人工智慧交易监控技术供应商ThetaRay和专注于金融包容性的GCC行动银行解决方案NOW Money宣布合作，部署ThetaRay云端基础的反洗钱解决方案来监控跨国付款，并支援预防金融科技付款管道上的金融犯罪和洗钱。

中东犯罪与战斗市场趋势

数位和行动付款解决方案的采用正在推动市场

即使新冠疫情之后，金融服务业也正在经历重大转型。此外，鑑于数位化在全球不断增长的人口的金融生活中发挥着重要作用，电子付款是这一转变的核心。随着付款日趋无现金化，支付产业在支持整体性的作用已成为重中之重。付款也是经济的安全支柱，同时促进数位经济的成长和创新。
亚马逊、苹果、 PayPal和Facebook等大公司继续向线上和行动付款解决方案投入巨额资金。从独立的网路商店发展到综合的网路购物生态系统正在为数位付款创造新的经营模式和机会。
2022 年 12 月，阿布达比第一银行 (FAB)、金融科技公司 Magnati 和 PCFC 子公司 PayRow Net 建立了新的数位付款管道合作伙伴关係。新平台的建立是为了「改造现有的付款闸道，增强消费者付款流程并改善使用者体验」。
同时，2022 年 12 月，阿布达比伊斯兰银行推出了代币化非接触式付款系统。 ADIB Pay 系统由 Visa 和中国拍拍宝科技共同开发。 ADIB Pay 是一种可附加到穿戴式装置上的实体扣，从而无需携带实体卡。
2022 年 10 月，在中东、北非和巴基斯坦 (MENAP) 地区提供货币服务的金融超级应用程式 JinglePay 与中东和非洲领先的数付款解决方案提供商和金融科技推动者阿拉伯金融服务公司 (AFS) 建立了战略合作关係。 JinglePay 和 AFS 将合作在巴林提供创新的数位付款和卓越的客户体验。这项合作将加强 JinglePay 在该地区的影响力，并使人们更容易管理他们的日常财务。
电子商务平台和付款方式可能被滥用于洗钱目的。犯罪分子经常利用网路市场进行非法贸易，并提高商品和服务价格，以使他们的非法资金合法化。透过将非法收益转换为看似合法的电子商务交易，犯罪分子得以掩盖其资金来源。根据Worldpay的数据，截至2022年，数位和付款付款中东和北非地区电子商务第二常用的付款方式，占所有电子商务付款的27%。
此外，创造性的技能、技术、程序和传统基于技术流程的创新应用可以帮助监管者、监督和受监管公司克服上述许多反洗钱/反恐怖主义融资问题。透过促进资料收集、处理和分析，科技可以帮助相关人员更有效、即时地检测和管理洗钱和恐怖主义融资 (ML/TF) 问题。其好处包括更快的支付和交易、更准确的身份验证系统、监控、记录保存以及主管当局和监管实体之间的资讯交流。

贸易监控解决方案主导市场

强大的交易监控系统对于有效的反洗钱（AML）生态系统至关重要。在后疫情时代，大多数交易都在数位平台上进行，这一点变得更加重要。
当客户交易过程中出现违反规则或违反您的客户资料的情况时，交易监控软体会向您发出警报。如果软体产生警报，反洗钱交易监控流程将自动停止。此循环持续运行，并由公司的合规或风险部门进行审查。
在后疫情时代，金融机构在反洗钱和恐怖主义资金筹措方面面临更大挑战。公共公司正在采取预防措施，剷除捲入金钱餐诈骗的失业人口。政府也对几家交易监控系统不完善的金融机构进行了处罚。
该市场还将部署人工智慧和机器学习等先进技术来绘製和检测不同帐户拥有者之间的异常交易。例如，2021 年 4 月，ThetaRay 宣布其基于 AI 的反洗钱 (AML) 分析将在公有和私有云端上提供，包括 Azure、Google 和 AWS。
这个新的应用程式可以帮助监控所有交易中的可疑模式，包括不同类型的付款、用户、受益人、设备、商家、帐户和卡片。此外，它还提供了适当的行动计划来阻止、通过或挑战交易。
此外，新的行动付款服务提供者的进入也对交易监控解决方案产生了进一步的需求。例如，2023 年 2 月，沙乌地阿拉伯通讯服务供应商Mobily 与瑞典科技公司爱立信合作，在该国扩展了其 Mobily Pay 服务。新的解决方案将允许用户透过该平台进行非接触式付款、汇款、国际转帐、数位卡卡片付款、现金现金回馈、帐单支付、手机充值等。
因此，交易监控不仅由技术驱动，而且越来越多地託管在云端基础的应用程式上，以跟上银行业数位化的步伐。随着人工智慧和机器学习的出现，该领域预计将显着增长。

中东犯罪与战斗业概况

中东犯罪和打击市场相当分散，主要参与者包括 SAS Institute Inc.、NICE Actimize（NICE Ltd）、Experian Information Solutions Inc（Experian Ltd）、Symphony Innovation LLC 和 Fair Isaac Corporation（FICO）。市场参与者正在采用联盟、协议、企业扩张和收购等策略来增强其产品供应并获得永续的竞争优势。

2022 年 11 月，FICO 同意将其 Siron 合规业务转移给金融机构监管技术和流程自动化领域的领导者 IMTF。该协议涉及软体和智慧财产权，将使 IMTF 能够开发和扩展 Siron 套件，以支援全球应用程式和相关 SaaS。
2022 年 10 月，NICE Actimize 宣布 Target Group 采用了该公司的 AI 和云端基础的Essentials 反洗钱和反诈骗解决方案。 Target Group 的目标是透过一流的金融犯罪和合规技术和服务来保护其客户，同时受益于人工智慧和云端基础的解决方案提供的业务效率。

其他福利

Excel 格式的市场预测 (ME) 表
3 个月的分析师支持

公司简介
- SAS Institute Inc.
- NICE Actimize（NICE Ltd）
- Experian Information Solutions Inc.（Experian Ltd）
- Symphony Innovation LLC
- Fair Isaac Corporation
- ACI Worldwide Inc.
- Fiserv Inc.
- Oracle Corporation
- Tata Consultancy Services Limited
- Refinitiv Ltd
- Larsen & Toubro Infotech Limited
- Profile Software SA
- Temenos
- Fidelity National Information Services Inc.（FIS）
- Wolter Kluwer NV
- iSPIRAL IT Solutions Ltd

第九章投资分析

第十章：投资分析市场的未来

简介目录

Product Code: 5000004

The Middle East Crime and Combat Market is expected to register a CAGR of 13.59% during the forecast period.

Middle East Crime and Combat - Market - IMG1

Key Highlights

The regulatory bodies are focused heavily on minimizing the money-laundering concerns connected with emerging payment methods such as mobile wallets, e-payments, and e-money issuers. They have emphasized combating cybercrime and reducing any money laundering threats related to virtual currency.
Regulatory expectations and oversight are evolving rapidly with the changes to traditional payment, specifically in real-time payments, high-value payments, cryptocurrency, and new product development. For several years, regulators have focused on modernizing AML compliance programs at banks, encouraging innovation, and improving the coordination and transfer of information between financial institutions.
In January 2023, the UAE central bank issued new guidelines for licensed financial institutions (LFIs) on anti-money laundering and combatting the financing of terrorism (AML/CFT). According to CBUAE, initiatives will aid LFIs in evaluating risks and carrying out their legal AML/CFT requirements effectively while considering the Financial Action Task Force (FATF) standards.
Anti-money laundering laws encourage financial institutions to be more transparent, implement advanced technology, and build comprehensive customer profiles. Banks aiming to be more proactive may need to ensure their policies are up-to-date and in line with the new regulations and that their infrastructure can integrate more data sources. Their KYC processes are automated, all while offering a great customer experience.
With stringent regulations focused on financial services and the sophisticated risks of financial crimes around the globe, money laundering has been a critical concern for financial service organizations. Procuring skilled resources with the in-depth knowledge and skill-set of AML aligned with the changing regulatory landscape of AML compliance is posing a challenge for the development of AML solutions.
Post-COVID-19, money laundering cases are still growing, and, as a result, companies are getting involved in strategic developments to prevent them. For instance, in December 2022, ThetaRay, a provider of AI-powered transaction monitoring technology, and NOW Money, the GCC's mobile banking solution focused on financial inclusion, announced a collaboration to implement ThetaRay's cloud-based AML solution to monitor cross-border payments and support in the prevention of financial crimes and money laundering on the fintech's payments platform.

Middle East Crime And Combat Market Trends

Increased Adoption of Digital/Mobile Payment Solutions to Drive the Market

Even in the post-COVID-19 scenario, the financial services industry is moving toward significant transformation. Moreover, given the vital significance that digitization is playing in the financial life of an increasing proportion of the world's population, electronic payments are at the core of this shift. Payments are progressively becoming cashless, and the industry's role in supporting inclusivity has become a key priority. Payments also contribute to the growth of digital economies and encourage innovation, all while serving as a secure backbone for the economy.
Prominent players like Amazon, Apple, PayPal, and Facebook are continually investing significant amounts of money into online and mobile payment solutions. The ongoing development from independent online shops toward integrated online shopping ecosystems has created space for new business models and opportunities for digital payment methods.
In December 2022, First Abu Dhabi Bank (FAB), FinTech Magnati, and PayRow Net, a PCFC company, launched a new digital payment platform collaboration. The new platform is being created to "transform the existing payment gateway, leading to an enhanced consumer payment process and improved user experience."
Meanwhile, in the same month of December 2022, Abu Dhabi Islamic Bank introduced a tokenized contactless payment system. The "ADIB Pay" system is a collaboration between Visa and China-based Tappy Technologies. ADIB Pay is a physical clasp that can be attached to wearable objects, eliminating the need for a real card to be carried.
In October 2022, Jingle Pay, a financial super-app that delivers money services in the Middle East, North Africa, and Pakistan (MENAP) region, formed a strategic relationship with Arab Financial Services (AFS), the Middle East & Africa's major digital payments solutions provider and Fin-Tech enabler. Jingle Pay and AFS are likely to collaborate to provide innovative digital payments and a great customer experience in Bahrain. The collaboration enhances Jingle Pay's footprint in the region, making it easier for people to manage their finances on a daily basis.
E-commerce platforms and payment methods can be misused for money laundering purposes. Criminals may utilize online marketplaces to conduct fraudulent transactions or inflate the prices of goods/services as a means to legitimize their illicit funds. By converting illegal proceeds into seemingly legitimate e-commerce transactions, criminals can obscure the origin of the funds. According to Worldpay, digital and mobile payments were the second most popular payment method used for e-commerce in the Middle East &African region as of 2022, accounting for 27% of the total e-commerce payments.
Moreover, creative skills, techniques, and procedures, as well as an innovative application of traditional technology-based processes, can assist regulators, supervisors, and regulated firms in overcoming many of the stated AML/CFT issues. Technology can assist actors in detecting and managing money laundering and terrorist financing (ML/TF) concerns more efficiently and in real-time time by facilitating data collection, processing, and analysis. Advantages include faster payments and transactions, more accurate identification systems, monitoring, record keeping, and information exchange between competent authorities and regulated organizations.

Transaction Monitoring Solutions to Hold Major Share

A well-formulated transaction monitoring system is crucial for an effective anti-money laundering (AML) ecosystem. It is more profound in the post-pandemic world, where most transactions are being performed over digital platforms.
Transaction monitoring software alerts when a situation violates the rules and is against the customer profile during customer transactions. Once the software generates an alarm, the transaction monitoring process conducted by AML is automatically stopped. The cycle continues to be executed and reviewed by the firm's compliance or risk department.
In the post-pandemic scenario, financial institutions face an even larger challenge in AML and terrorist financing. Public firms are taking preventive measures to combat jobless people involved in money mule scams. The government has also penalized several financial institutions for incompetent transaction monitoring systems.
The market is also witnessing the implementation of advanced technologies such as artificial intelligence and machine learning to map and detect unusual transactions among different account holders. For instance, in April 2021, ThetaRay announced that its AI-based anti-money laundering (AML) analytics would be available on public and private clouds, including Azure, Google, and AWS, which uses unsupervised machine learning to monitor financial transactions, integrate data, and triaging alerts in real-time.
The new application may help monitor suspicious patterns across all transactions, including various types of payments, users, beneficiaries, devices, merchants, accounts, and cards. It further provides an appropriate action plan to block, pass, or challenge the transaction.
Moreover, the entry of new mobile payment service providers is further creating a demand for transaction monitoring solutions. For instance, in February 2023, Mobily, a Saudi Arabian telecom service provider, expanded Mobily Pay services in the county via a partnership with Swedish technology company Ericsson. The new solution allows users to make contactless payments, money transfers, international remittances, digital card payments, cash-back, bill payments, mobile top-ups, and more through the platform.
Thus, transaction monitoring is not only witnessing technological implications but is also being hosted on cloud-based applications to cater to the increasing digitization of the banking industry. This segment is expected to grow significantly with the advent of AI and machine learning.

Middle East Crime And Combat Industry Overview

The Middle East Crime and Combat Market is moderately fragmented, with the presence of major players like SAS Institute Inc., NICE Actimize (NICE Ltd), Experian Information Solutions Inc. (Experian Ltd), Symphony Innovation LLC, and Fair Isaac Corporation (FICO). Players in the market are adopting strategies such as partnerships, agreements, company expansions, and acquisitions to enhance their product offerings and gain sustainable competitive advantage.

In November 2022, FICO agreed to transition its Siron compliance business to IMTF, a regulatory technology and process automation leader for financial institutions. This agreement is relevant to software and intellectual property and enables IMTF to develop and extend the Siron Suite and support the applications and related SaaS offerings globally.
In October 2022, NICE Actimize announced that Target Group had chosen its AI and cloud-based Essentials anti-money laundering and anti-fraud solutions. Target Group's objectives include protecting its customers with best-in-class financial crime and compliance technology and services while benefiting from the operational efficiencies offered by artificial intelligence and cloud-based solutions.

Additional Benefits:

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

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 Buyers
- 4.2.3 Threat of New Entrants
- 4.2.4 Threat of Substitute Products and Services
- 4.2.5 Degree of Competition
4.3 Assessment of the Impact of COVID-19 on the Market

5 MARKET DYNAMICS

5.1 Market Drivers
- 5.1.1 Increased Adoption of Digital/Mobile Payment Solutions
- 5.1.2 Stringent Government Regulations for Compliance Management
5.2 Market Challenges/Restraints
- 5.2.1 Lack of Skilled Professional
5.3 Market Opportunities
- 5.3.1 Adoption of Cloud-based AML Solutions to Combat Financial Crimes

6 REGULATORY LANDSCAPE AND GOVERNMENT EFFORTS ON ANTI-MONEY LAUNDERING, ANTI-BRIBERY, AND FINANCIAL CRIME IN THE MIDDLE EASTERN COUNTRIES

6.1 United Arab Emirates
6.2 Saudi Arabia
6.3 Egypt
6.4 Qatar
6.5 Iran
6.6 Iraq
6.7 Kuwait
6.8 Rest of Middle East

7 MARKET SEGMENTATION

7.1 By Solutions
- 7.1.1 Know Your Customer (KYC) Systems
- 7.1.2 Compliance Reporting
- 7.1.3 Transaction Monitoring
- 7.1.4 Auditing and Reporting
- 7.1.5 Other Solutions (Fraud Detection and Protection and Case Management)
7.2 By Deployment Model
- 7.2.1 On-cloud
- 7.2.2 On-premises

8 COMPETITIVE LANDSCAPE

8.1 Company Profiles
- 8.1.1 SAS Institute Inc.
- 8.1.2 NICE Actimize (NICE Ltd)
- 8.1.3 Experian Information Solutions Inc. (Experian Ltd)
- 8.1.4 Symphony Innovation LLC
- 8.1.5 Fair Isaac Corporation
- 8.1.6 ACI Worldwide Inc.
- 8.1.7 Fiserv Inc.
- 8.1.8 Oracle Corporation
- 8.1.9 Tata Consultancy Services Limited
- 8.1.10 Refinitiv Ltd
- 8.1.11 Larsen & Toubro Infotech Limited
- 8.1.12 Profile Software SA
- 8.1.13 Temenos
- 8.1.14 Fidelity National Information Services Inc. (FIS)
- 8.1.15 Wolter Kluwer NV
- 8.1.16 iSPIRAL IT Solutions Ltd

9 INVESTMENT ANALYSIS

10 FUTURE OF THE MARKET

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License/价格

中东犯罪与打击：市场占有率分析、产业趋势、统计和成长预测（2025-2030 年）

Middle East Crime and Combat - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2025 - 2030)