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市场调查报告书
商品编码
1851654

代币化解决方案：市场份额分析、行业趋势、统计数据和成长预测（2025-2030 年）

Tokenization Solution - 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

价格

※ 本网页内容可能与最新版本有所差异。详细情况请与我们联繫。

简介目录

预计到 2025 年，代币化解决方案市场规模将达到 43.7 亿美元，到 2030 年将达到 109 亿美元，在此期间的复合年增长率为 20.07%。

代币化解决方案市场-IMG1

投资动能主要受数位优先商务的兴起、支付安全法规的强制要求以及向云端原生基础设施的快速转型所驱动。 PCI DSS 4.0 的最后期限，尤其是在美国和加拿大，正迫使企业优先考虑代币库现代化或无代币库迁移，从而缩短决策週期并加速采用。监管的紧迫性和营运的灵活性相结合，使代币化解决方案市场成为下一代支付架构的关键组成部分。按地区划分，北美将在 2024 年占据 39% 的收入份额，而亚太地区将经历最快增长，这主要得益于行动钱包的普及和政府支持的即时支付管道的建设。随着金融科技公司率先推出无代币库设计，以及主要支付处理商将网路代币化直接整合到发卡机构服务中，市场竞争日益激烈。

全球代币化解决方案市场趋势与洞察

亚洲非接触式和行动电子钱包支付中代币化技术的应用程式激增

亚太地区的行动支付交易量预计将在2024年初年增超过一倍，并将代币化技术融入该地区的核心支付体系。日本计画在2025财年之前建立一个涵盖200万家国内商户的东协二维码网络，显示目前跨钱包互通性对网路代币的依赖程度之高。预计到2029年，中国的行动支付处理能力将超过1,100兆元人民币，而其超级应用生态系统的安全保障也仰赖代币化凭证。日本的无现金支付率将在2024年达到39.3%，区域政策目标将促使商户进行代币化，以此作为获得补贴的先决条件。这种网路效应正迫使全球支付处理商深化与亚洲的伙伴关係，并维持可扩展的交易量。

PCI DSS 4.0 合规期限要求活性化北美代币化投资

PCI DSS 4.0 提高了持卡人资料的要求，使得令牌化成为快速降低审核范围和成本的有效途径。对敏感栏位进行令牌化的公司可以减少年度评估期间隔离的系统数量，从而释放安全预算，用于主动威胁搜寻和零信任计画。新标准的持续监控条款支援现代令牌平台内建的即时分析功能，使董事会能够随时证明合规性。基于云端的代币化服务进一步缩短了实施週期，并加快了全通路零售商和金融科技发卡机构实现价值的速度。

专有令牌服务提供者之间的互通性差距

不同的代币格式和专有API阻碍了多通路支付的普及，增加了整合成本和供应商锁定风险。政府机构被要求实现供应商多元化，但往往需要维护并行的代币基础设施，这增加了资本支出并使管治更加复杂。缺乏通用的代币交换通讯协定也阻碍了跨境贸易。

细分市场分析

平台软体将在代币化解决方案市场中扮演关键角色，预计到2024年，解决方案将占总收入的72%。专业服务服务和託管服务预计将以20.90%的复合年增长率成长。企业将利用咨询服务来梳理资料流并降低PCI合规风险，然后转向持续的服务合约以进行代币维护。代币化即服务框架模糊了产品和服务之间的界限，降低了中型企业的进入门槛。诸如Marqeta Docs AI之类的AI赋能的文件工具，透过自动产生程式码片段，进一步加快了使用者上线速度。

对于寻求扩充性以实现客製化支付流程和混合式本地部署的企业而言，解决方案领域仍然至关重要。功能蓝图透过整合人工智慧分析来发现令牌流中的诈欺模式，从而加速从被动管理到主动决策引擎的转变。能够将扩充性API 与合规认证相结合的供应商最有希望赢得长期企业客户。

到 2024 年，云端运算将占总收入的 64%，保持其领先地位，复合年增长率 (CAGR) 为 21.50%。与现有身分和存取管理堆迭的整合使安全团队能够集中执行策略，并加快审核和漏洞应对准备。边缘运算扩展减少了网路跃点，消除了以往有利于本地部署的延迟差距。超大规模资料中心託管的后量子密码技术蓝图透过降低未来演算法转换的风险，进一步巩固了云端运算的优势。

在对本地部署有严格居住或依赖大型主机的行业中，本地部署仍然占据主导地位。混合架构提供了一种折衷方案，既能保持本地金钥管理，又能将令牌化工作负载在季节性高峰期迁移到云端。随着零信任框架的日趋成熟，即使是较保守的产业也可能开始考虑卸载非核心工作负载，从而减少本地部署的资源占用。

区域分析

2024年，北美将占据代币化解决方案市场39%的收入份额，这主要得益于早期云端技术的普及和严格的支付安全合规体系。 PCI DSS 4.0的实施期限缩短了升级週期，许多后进企业纷纷转向託管代标记化服务。随着核心支付卡产业市场接近饱和，服务提供者正将业务重点转向医疗保健支付和政府支出等相关领域。

亚太地区在行动电子钱包普及和公共部门数位化资金投入的推动下，以20.40%的复合年增长率领先全球，预计到2030年将实现这一目标。日本的东协二维码计划和支付宝+商家拓展计划，充分展现了跨境钱包如何利用网路代币实现货币无关支付。中国的超级应用生态系统持续扩张，需要超高吞吐量的代币引擎来满足高峰期的购物需求。印度的统一支付基础设施为能够支援本地Aadhaar ID标准的代币化服务提供者提供了广阔的发展空间。

在欧洲，数位身分识别技术的普及正稳步推进，既要应对GDPR的限制，又要兼顾强而有力的反诈欺奖励。各国数位身分识别项目也为公民服务中的标记化创造了新的机会。儘管规则的碎片化仍使得全欧洲范围内的推广较为复杂，但方案层面的协调统一正在逐步降低技术门槛。

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 引言

  • 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 市场情势

  • 市场概览
  • 市场驱动因素
    • 亚洲非接触式和行动钱包支付的代币化应用程式激增
    • PCI DSS 4.0 合规期限要求活性化北美代币化投资
    • 欧洲非面对面交易中不断上升的诈欺损失推动了标记化技术的普及。
    • 「先买后付」平台的扩充需要整合令牌化凭证
    • 卡组织推出的网路标记化程式加速了商家註册。
  • 市场限制
    • 专有令牌服务提供者之间的互通性差距
    • 高频交易公司代币库架构中的高延迟问题
    • 中型医疗服务提供者对非支付代币化应用案例的了解有限。
    • 供应商锁定风险限制了政府的采用
  • 价值/供应链分析
  • 监管或技术环境
    • 监管环境
    • 技术创新（标记化即服务、云端硬体安全模组）
  • 波特五力分析
    • 新进入者的威胁
    • 买方的议价能力
    • 供应商的议价能力
    • 替代品的威胁
    • 竞争对手之间的竞争

第五章 市场规模与成长预测

  • 按组件
    • 解决方案
    • 服务
  • 透过部署模式
    • 本地部署
    • 云
  • 透过分词方法
    • Vaulted Tokenization
    • 无保险库代币化
  • 按应用程式字段
    • 支付安全
    • 客户身份验证
    • 诈欺防制和风险管理
    • 合规与审核管理
    • 其他的
  • 按最终用户行业划分
    • BFSI
    • 零售与电子商务
    • 资讯科技/通讯
    • 医疗保健和生命科学
    • 运输与物流
    • 政府/公共部门
    • 能源与公共产业
    • 媒体与娱乐
    • 其他的
  • 按地区
    • 北美洲
      • 美国
      • 加拿大
      • 墨西哥
    • 南美洲
      • 巴西
      • 阿根廷
      • 其他南美洲
    • 欧洲
      • 英国
      • 德国
      • 法国
      • 北欧国家
      • 其他欧洲地区
    • 亚太地区
      • 中国
      • 日本
      • 印度
      • 韩国
      • ASEAN
      • 澳洲
      • 纽西兰
      • 亚太其他地区
    • 中东和非洲
      • 中东
      • 阿拉伯聯合大公国
      • 沙乌地阿拉伯
      • 土耳其
      • 其他中东地区
      • 非洲
      • 南非
      • 奈及利亚
      • 其他非洲地区

第六章 竞争情势

  • 市场集中度
  • 策略性措施与资金筹措
  • 市占率分析
  • 公司简介
    • Thales Group
    • Broadcom Inc.（Symantec Enterprise）
    • Visa Inc.
    • Mastercard Inc.
    • Fiserv Inc.（First Data）
    • Worldpay LLC（FIS）
    • PayPal Holdings Inc.（Braintree）
    • American Express Company
    • Protegrity USA Inc.
    • TokenEx LLC
    • Entrust Corporation
    • Rambus Inc.（Bell ID）
    • Sequent Software Inc.
    • CardConnect Corporation
    • Bluefin Payment Systems
    • Marqeta Inc.
    • Adyen NV

第七章 市场机会与未来展望

简介目录
Product Code: 62354

The tokenization solution market size stands at USD 4.37 billion in 2025 and is forecast to reach USD 10.90 billion by 2030, reflecting a 20.07% CAGR across the period.

Tokenization Solution - Market - IMG1

Investment momentum stems from widespread digital-first commerce, stricter payment security mandates, and rapid shifts toward cloud-native infrastructure. Mandatory PCI DSS 4.0 timelines, especially in the United States and Canada, have compelled enterprises to prioritise token vault modernisation or vaultless migration, compressing decision cycles and accelerating deployments. Converging regulatory urgency with the promise of operational agility positions the tokenization solution market as a cornerstone of next-generation payment architecture. At a geographic level, North America accounts for 39% of 2024 revenue, yet Asia Pacific is compounding fastest on the back of mobile wallet ubiquity and government-backed real-time payment rails. Competitive intensity is rising as fintechs pioneer vaultless designs and large processors embed network tokenisation directly into issuer services.

Global Tokenization Solution Market Trends and Insights

Surge in Tokenisation Adoption for Contactless & Mobile Wallet Payments in Asia

Mobile payment transactions in Asia Pacific more than doubled year-on-year in early 2024, drawing tokenisation into the region's core payments stack. Japan's plan for a joint ASEAN QR network by fiscal 2025, covering 2 million domestic merchants, showcases the scale at which cross-wallet interoperability now depends on network tokens. China's mobile payment throughput, projected above CNY 1,100 trillion by 2029, relies on tokenised credentials to secure super-app ecosystems. With Japan's cashless ratio topping 39.3% in 2024, regional policy targets drive merchants toward tokenisation as a precondition for subsidy eligibility. This network effect compels global processors to deepen Asian partnerships to retain addressable volume.

Mandatory PCI DSS 4.0 Compliance Deadlines Boosting Tokenisation Investments in North America

PCI DSS 4.0 elevates cardholder-data obligations, making tokenisation the quickest path to scope reduction and audit-cost containment. Enterprises that tokenise sensitive fields can quarantine fewer systems under annual assessment, freeing security budgets for proactive threat-hunting and zero-trust initiatives. Continuous-monitoring clauses in the new standard align with real-time analytics embedded in modern token platforms, allowing boards to evidence compliance on demand. Cloud-delivered tokenisation services further compress deployment timelines, accelerating time-to-value for omnichannel retailers and fintech issuers.

Interoperability Gaps Among Proprietary Token Service Providers

Disparate token formats and proprietary APIs hinder multi-rail payment acceptance, elevating integration cost and vendor-lock-in risk. Government agencies mandated to diversify suppliers must often maintain parallel token infrastructures, draining CapEx and complicating governance. Absence of a universal token exchange protocol also impedes cross-border commerce, where mismatched schemes require complex translation gateways that inflate processing fees.

Other drivers and restraints analyzed in the detailed report include:

  1. Rising Fraud Losses in Card-Not-Present Transactions Driving Vaultless Tokenisation Uptake in Europe
  2. Expansion of BNPL Platforms Demanding Tokenised Credentials Integration
  3. High Latency Concerns in Token Vault Architectures for High-Frequency Trading Firms

For complete list of drivers and restraints, kindly check the Table Of Contents.

Segment Analysis

Solutions accounted for 72% of 2024 revenue, testifying to the foundational role of platform software in the tokenization solution market. Professional and managed services are forecast to grow at a 20.90% CAGR, aided by scarce in-house expertise and continuous compliance obligations that favour outsourcing. Enterprises leverage advisory engagements to map data flows and reduce PCI exposure, then transition to ongoing service contracts for token maintenance. Tokenization-as-a-Service frameworks blur the boundary between product and service, lowering entry barriers for mid-market adopters. AI-enabled documentation tools, such as Marqeta Docs AI, further accelerate onboarding by automating code-snippet generation.

The solutions segment remains critical for enterprises demanding extensibility into proprietary payment flows or hybrid on-premise deployments. Feature roadmaps increasingly embed artificial-intelligence analytics that surface fraud patterns within the token stream, turning passive controls into active decision engines. Vendors that pair extensible APIs with compliance attestation are best placed to lock in long-cycle enterprise accounts.

Cloud held 64% of 2024 revenue and will sustain leadership with a 21.50% CAGR, reflecting the structural advantage of global point-of-presence coverage and elastic scaling. Integrations with existing identity-and-access-management stacks allow security teams to unify policy enforcement, speeding audits and breach preparation. Edge compute extensions reduce network hops, closing the latency gap that once favoured on-premise deployments. Post-quantum cryptography roadmaps hosted by hyperscalers further tip the balance by de-risking future algorithmic transitions.

On-premise installations persist in industries with strict residency mandates or mainframe dependencies. Hybrid architectures offer a middle path, retaining local key custody while bursting tokenisation workloads to the cloud during seasonal spikes. As zero-trust frameworks mature, even conservative sectors may offload non-core workloads, shrinking the on-premise footprint over the forecast horizon.

The Tokenization Solution Market Report is Segmented by Component (Solutions, Services), Deployment Mode (On-Premise, Cloud), Tokenization Technique (Vaulted Tokenization, and More), Application Area (Payment Security, Customer Authentication, and More), End-User Industry (BFSI, Retail and E-Commerce, and More), and by Geography. The Market Forecasts are Provided in Terms of Value (USD).

Geography Analysis

North America generated 39% of 2024 revenue for the tokenization solution market, anchored by early cloud adoption and a strict payment-security compliance regime. PCI DSS 4.0 deadlines have compressed upgrade cycles, tipping many late adopters toward managed tokenisation services. Market saturation is approaching in core credit-card verticals, so providers are pivoting to adjacent use cases such as healthcare payments and government disbursements.

Asia Pacific is pacing the field with a 20.40% CAGR through 2030, catalysed by mobile-wallet penetration and public-sector digitalisation funds. Japan's ASEAN QR project and Alipay+ merchant expansion exemplify how cross-border wallets leverage network tokens for currency-agnostic settlement. China's super-app ecosystems continue to scale, demanding ultra-high-throughput token engines capable of handling peak shopping festivals. India's unified payments infrastructure offers fertile ground for tokenisation providers that can tailor to local Aadhaar identity norms.

Europe remains a steady adopter, balancing GDPR constraints with strong fraud-prevention incentives. Vaultless implementations resonate with regulators wary of centralised data stores, while national digital-ID programmes open fresh opportunities for citizen-service tokenisation.Fragmented rule sets still complicate pan-European roll-outs, but scheme-level harmonisation is gradually lowering technical barriers.

  1. Thales Group
  2. Broadcom Inc. (Symantec Enterprise)
  3. Visa Inc.
  4. Mastercard Inc.
  5. Fiserv Inc. (First Data)
  6. Worldpay LLC (FIS)
  7. PayPal Holdings Inc. (Braintree)
  8. American Express Company
  9. Protegrity USA Inc.
  10. TokenEx LLC
  11. Entrust Corporation
  12. Rambus Inc. (Bell ID)
  13. Sequent Software Inc.
  14. CardConnect Corporation
  15. Bluefin Payment Systems
  16. Marqeta Inc.
  17. Adyen N.V.

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 LANDSCAPE

  • 4.1 Market Overview
  • 4.2 Market Drivers
    • 4.2.1 Surge in Tokenization Adoption for Contactless and Mobile Wallet Payments in Asia
    • 4.2.2 Mandatory PCI DSS 4.0 Compliance Deadlines Boosting Tokenization Investments in North America
    • 4.2.3 Rising Fraud Losses in Card-Not-Present Transactions Driving Vaultless Tokenization Uptake in Europe
    • 4.2.4 Expansion of "Buy Now Pay Later" Platforms Demanding Tokenized Credentials Integration
    • 4.2.5 Emergence of Network Tokenization Programs by Card Schemes Accelerating Merchant Enrolment
  • 4.3 Market Restraints
    • 4.3.1 Interoperability Gaps among Proprietary Token Service Providers
    • 4.3.2 High Latency Concerns in Token Vault Architectures for High-Frequency Trading Firms
    • 4.3.3 Limited Awareness of Non-Payment Tokenization Use-Cases in Mid-Tier Healthcare Providers
    • 4.3.4 Vendor Lock-in Risk Restricting Adoption by Government Agencies
  • 4.4 Value / Supply-Chain Analysis
  • 4.5 Regulatory or Technological Outlook
    • 4.5.1 Regulatory Landscape
    • 4.5.2 Technological Innovations (Tokenization-as-a-Service, Cloud HSM)
  • 4.6 Porter's Five Forces Analysis
    • 4.6.1 Threat of New Entrants
    • 4.6.2 Bargaining Power of Buyers
    • 4.6.3 Bargaining Power of Suppliers
    • 4.6.4 Threat of Substitute Products
    • 4.6.5 Intensity of Competitive Rivalry

5 MARKET SIZE AND GROWTH FORECASTS (VALUE)

  • 5.1 By Component
    • 5.1.1 Solutions
    • 5.1.2 Services
  • 5.2 By Deployment Mode
    • 5.2.1 On-Premise
    • 5.2.2 Cloud
  • 5.3 By Tokenization Technique
    • 5.3.1 Vaulted Tokenization
    • 5.3.2 Vaultless Tokenization
  • 5.4 By Application Area
    • 5.4.1 Payment Security
    • 5.4.2 Customer Authentication
    • 5.4.3 Fraud Prevention and Risk Management
    • 5.4.4 Compliance and Audit Management
    • 5.4.5 Others
  • 5.5 By End-User Industry
    • 5.5.1 BFSI
    • 5.5.2 Retail and E-commerce
    • 5.5.3 IT and Telecommunications
    • 5.5.4 Healthcare and Life Sciences
    • 5.5.5 Transportation and Logistics
    • 5.5.6 Government and Public Sector
    • 5.5.7 Energy and Utilities
    • 5.5.8 Media and Entertainment
    • 5.5.9 Others
  • 5.6 By Geography
    • 5.6.1 North America
      • 5.6.1.1 United States
      • 5.6.1.2 Canada
      • 5.6.1.3 Mexico
    • 5.6.2 South America
      • 5.6.2.1 Brazil
      • 5.6.2.2 Argentina
      • 5.6.2.3 Rest of South America
    • 5.6.3 Europe
      • 5.6.3.1 United Kingdom
      • 5.6.3.2 Germany
      • 5.6.3.3 France
      • 5.6.3.4 Nordics
      • 5.6.3.5 Rest of Europe
    • 5.6.4 Asia Pacific
      • 5.6.4.1 China
      • 5.6.4.2 Japan
      • 5.6.4.3 India
      • 5.6.4.4 South Korea
      • 5.6.4.5 ASEAN
      • 5.6.4.6 Australia
      • 5.6.4.7 New Zealand
      • 5.6.4.8 Rest of Asia Pacific
    • 5.6.5 Middle East and Africa
      • 5.6.5.1 Middle East
      • 5.6.5.1.1 United Arab Emirates
      • 5.6.5.1.2 Saudi Arabia
      • 5.6.5.1.3 Turkey
      • 5.6.5.1.4 Rest of Middle East
      • 5.6.5.2 Africa
      • 5.6.5.2.1 South Africa
      • 5.6.5.2.2 Nigeria
      • 5.6.5.2.3 Rest of Africa

6 COMPETITIVE LANDSCAPE

  • 6.1 Market Concentration
  • 6.2 Strategic Moves and Funding
  • 6.3 Market Share Analysis
  • 6.4 Company Profiles (includes Global level Overview, Market level overview, Core Segments, Financials as available, Strategic Information, Market Rank/Share for key companies, Products and Services, and Recent Developments)
    • 6.4.1 Thales Group
    • 6.4.2 Broadcom Inc. (Symantec Enterprise)
    • 6.4.3 Visa Inc.
    • 6.4.4 Mastercard Inc.
    • 6.4.5 Fiserv Inc. (First Data)
    • 6.4.6 Worldpay LLC (FIS)
    • 6.4.7 PayPal Holdings Inc. (Braintree)
    • 6.4.8 American Express Company
    • 6.4.9 Protegrity USA Inc.
    • 6.4.10 TokenEx LLC
    • 6.4.11 Entrust Corporation
    • 6.4.12 Rambus Inc. (Bell ID)
    • 6.4.13 Sequent Software Inc.
    • 6.4.14 CardConnect Corporation
    • 6.4.15 Bluefin Payment Systems
    • 6.4.16 Marqeta Inc.
    • 6.4.17 Adyen N.V.

7 MARKET OPPORTUNITIES AND FUTURE OUTLOOK

  • 7.1 White-Space and Unmet-Need Assessment
  • 7.2 Emerging Use-Cases Beyond Payments (Healthcare Records, Digital Twins)
  • 7.3 Tokenization in IoT Edge Devices