日本ATM市场评估：依类型、解决方案、应用、地区、机会和预测（2018财政年度-2032财政年度）

日本 ATM 市场规模预计将从2023年度的24.1亿美元增至2032年度的36.7亿美元，2025年度至2032年度的预测期间年复合成长率为 5.41%。儘管数位支付系统已成为全球趋势，但日本 ATM 市场等因素仍包括高度以现金为基础的经济。由于外国游客数量众多，许多ATM机都配备了多语言软体，以协助外国游客进行日常交易。从智慧 ATM 到生物辨识技术，这些机器中的新技术已经改变了安全性和使用者体验。虽然提供行动 ATM 是为了改善最偏远和灾害多发地区的银行服务，但城市化日益增加人口稠密地区的需求。

虽然数位支付的使用在全球范围内不断扩大，但日本对 ATM 的需求持续成长，日本高度依赖现金，超过 60%的交易以现金为基础。此外，随着入境游客数量的增加，外国游客使用ATM机的情况也越来越多，他们发现很难使用当地的数位支付系统，并且更喜欢现金。在这方面，ATM现在配备了多语言软体来适应这些游客。此外，技术创新将进一步增加ATM的使用。智慧ATM、行动ATM以及脸部辨识和生物辨识认证等安全功能增加了更换老化机器的便利性和安全性。此外，在日本， "款待" 的概念大幅支持了ATM市场的成长。这种文化价值观强烈建议以非常谨慎和考虑的方式预测和回应需求。 ATM 中的 "款待" 意味着透过先进的技术和易于使用的功能提供卓越的客户服务。

例如，2024年 2月，金融科技公司 Digital Wallet Corp. 收购了 Seven Global Remit Ltd.、Seven Bank Ltd. 的国际汇款服务。此次收购将使 DWC 的Smiles Mobile Remittance应用程式的用户能够利用Seven Bank的ATM 网路。在日本工作的外籍劳工可以使用日本超过 5万台 ATM 机将钱汇回自己的祖国。

本报告研究和分析了日本 ATM 市场，提供市场规模和预测、市场动态以及主要公司的状况。

目录

第1章 研究方法

第2章 专案范围与定义

第3章 执行摘要

第4章 顾客回馈

• 产品与市场讯息
• 品牌识别方法
• 购买决策时考虑的因素
  • 功能和其他加值服务
  • IT 基础架构相容性
  • 解决方案效率
  • 售后支持
• 隐私和监管考虑

第5章 日本ATM市场展望（2018年度-2032年度）

• 市场规模与预测
  • 金额
• 依类型
  • 传统 ATM
  • Brown Label ATM
  • White Label ATM
  • 智慧型ATM机
  • 自动提款机
• 依解决方案
  • 部署
  • 託管服务
• 依用途
  • 商业
  • 住房
  • 政府
• 依地区
  • 北部（北海道、东北）
  • 中部（关东、中部）
  • 南部（关西、中国、四国、九州、冲绳）

第6章 供需分析

第7章 进出口分析

第8章 价值链分析

第9章 波特五力分析

第10章 PESTLE分析

第11章 宏观经济指标

第12章 价格分析

第13章 市场动态

• 市场驱动因素
• 市场挑战

第14章 市场趋势与发展

第15章 个案研究

第16章 竞争态势

• 前5名市场领导者的竞争矩阵
• 前5名的公司的SWOT 分析
• 前10名主要企业状况
  • Fujitsu Limited
  • Nautilus Hyosung Corporation
  • Diebold Nixdorf, Incorporated
  • Hitachi Ltd.
  • GRG Banking Equipment Co., Ltd.
  • OKI Electric Industry Co., Ltd.
  • Japan Cash Machine Co., Ltd.
  • NCR Corporation
  • Laurel Bank Machines Co., Ltd.
  • Seven Bank Ltd.

第17章 策略建议

第18章 关于本公司，免责声明

Japan automated teller machine market is projected to witness a CAGR of 5.41% during the forecast period FY2025-FY2032, growing from USD 2.41 billion in 2023 to USD 3.67 billion in FY2032. Factors such as Japan ATM market, including the highly cash-based economy, despite the global trend towards digital payment systems. Large numbers of international tourists have meant that many ATMs are fitted out with multi-language software to assist foreign visitors in everyday transactions. Newer technologies in these machines have changed security and user experience, from smart ATMs to biometric authentication. Mobile ATMs are being provided to increase access to banking in the most remote and disaster-prone areas, while urbanization increases demand within densely populated areas.

Although the use of digital payments is growing around the world, the high reliance on cash in Japan, more than 60% of transactions are cash-based, continuing to drive demand for ATMs. In addition, the growth in inbound tourism has led to greater usage of ATMs by international visitors who experience challenges and difficulties with using local digital payment systems and thus prefer cash. In these respects, the ATMs now have multilingual software to accommodate such tourists. Technological innovations, moreover, further increase the use of ATMs. Smart ATMs, mobile ATMs, and security features, such as face-to-face recognition and biometrics authentication, further focus on factors of convenience and security that replace obsolete machines. Also, in Japan, the concept of Omotenashi, which embodies the spirit of exceptional hospitality and attentiveness, significantly drives the growth of the ATM market. This cultural value emphasizes anticipating and meeting the needs with meticulous care and consideration. In the context of ATMs, Omotenashi translates into offering superior customer service through advanced technology and user-friendly features.

For instance, in February 2024, Digital Wallet Corp., a fintech company, acquired Seven Bank Ltd.'s international money transfer service Seven Global Remit Ltd. With this acquisition, DWC's Smiles Mobile Remittance app users will have access to Seven Bank's ATM network. Foreign workers in Japan can access more than 50,000 ATMs in the country to send remittances back home.

Impact of Tourism on Japan ATM Market Growth

Japan ATM market sees a considerable contribution to its growth from the vast tourism industry. The country, with its growing influx of international tourists, sees many travelers depending heavily on an ATM for cash withdrawals, mainly when any local digital pay systems don't support their mobile phones. ATMs are a convenient way to obtain Japanese yen directly from a home bank account. In most situations, the rates are more favorable than traditional currency exchange counters, whereby tourists can go on vacation with less cash. Also, quite a few Japanese ATMs are multilingual, supporting at least three languages, English, Chinese, and Korean, for international visitors' convenience. These high-security standards include biometric authentication and anti-skimming features that further reassure tourists about the safety of their transactions. Thus, this combination of accessibility, convenience, and security makes ATMs part of the basic tourism infrastructure in Japan.

For instance, in March 2024, over 3 million foreigners visited Japan, breaking the record for the most inbound tourists within a single month, according to the Japan National Tourism Organization (JNTO).

Rising Technological Advancements to Drive Market Growth

Japan ATM market has undergone changes regarding technological development, including the introduction of biometric authentication, fingerprint, and palm vein scanning for added security against unauthorized access and improvement in user experience. ATMs have now been introduced, allowing users to interact with bank tellers using video conferencing to perform more personal or complex transactions. Integration of IoT and AI further brings efficiency and improvement in performance, enabling real-time monitoring and predictive maintenance to minimize downtime. Furthermore, smart ATMs have been introduced to cater to users with special needs by providing voice guidance and touch screens displaying larger fonts to ensure greater accessibility and inclusivity in banking services.

For instance, in August 2024, OKI Circuit Technology launched a new ultra-high-multilayer PCB production line at its Joetsu Plant in Niigata Prefecture, beginning full operations. The new PCBs are designed for semiconductor manufacturing and testing, catering to AI, data centers, and next-gen communication networks. It supports a high precision via a pitch of 0.23 mm and boosts production capacity by about 1.4 times, allowing for a wider variety of products in smaller quantities.

On-site ATM to Dominate Market Share

On-site ATMs are the most available and accessible machines in Japan. They were placed at convenience stores, banks, shopping centers, post offices, train and bus stations, and airport terminals for the public to access them at any time. Notably, most of the on-site ATMs, specifically those at major convenience store chains, such as 7-Eleven and Family Mart, and even at post offices, accept international cards. Services are quite frequently available in multiple languages, including English. It greatly opens their access to natives and international visitors. Furthermore, the advantage of ATMs based in convenience stores includes the fact that these operate on a 24-hour basis, which further facilitates convenience for anyone who needs it. This broad and stable reach has made on-site ATMs the most favored choice in Japan.

For instance, in August 2024, convenience store ATM operators are expanding their reach beyond stores to include regional banks, supermarkets, and hospitals as traditional banks cut costs by removing their ATMs. Seven Bank and Lawson Bank are leading this expansion, with Seven Bank replacing some Fukui Bank ATMs and planning to operate around 500 ATMs with partner banks by March next year. This shift is enhancing the role of convenience store ATMs as vital social infrastructure, offering features such as cash deposits for payment apps and improving overall user convenience.

Central Region Dominates ATM Market

The Central region, which includes the Kanto region that houses Tokyo, highly dominates the market for ATMs due to its highly dense population and vibrant economic activity. Therefore, Tokyo, being the capital, has the highest concentration of ATMs found on each block corner in convenience stores, banks, post offices, train stations, and shopping areas to meet the demand for locals and tourist influx. In turn, Yokohama is a port city with high density in commercial areas and transportation hubs. Besides, due to its proximity to Tokyo and Narita International Airport, Chiba hosts several ATMs for citizens' needs and international travelers.

For instance, SMBC ATMs are conveniently located throughout Japan, especially in major cities such as Tokyo, Osaka, Nagoya, and Kyoto. They are found in high-traffic areas such as major train stations, including JR and subway stations, making it easy for travelers to withdraw cash on the go. Additionally, SMBC ATMs are situated in large shopping centers and malls, ensuring easy access to cash while shopping.

Future Market Scenario (FY2025 - FY2032F)

The integration of advanced technologies such as biometric authentication, contactless transactions, and enhanced security features is expected to continue. These innovations will make ATMs more secure and user-friendly, encouraging the replacement of older machines.

Development and deployment of mobile ATMs are expected to drive growth in the market. These are quite useful in remote locations and during the occurrence of a natural calamity, when most ATMs may not be accessible for offering essential banking services.

More foreign visitors to Japan would, therefore, automatically mean more multilingual ATMs and machines accepting overseas cards. This could imply more ATM installations in tourist areas.

The extensive use of cash for payments in Japan notwithstanding, the government is contemplating going cashless in the times to come.

Key Players Landscape and Outlook

There is fierce competition among domestic and international players in the Japanese market, each trying to use some unique strength to win a market share. These are attributed to a great deal of technological innovation for which many firms have invested intensively in R&D in advanced features such as biometric authentication, contactless transactions, and other additional security measures. Differentiation through full-service support becomes crucial. Many vendors are making their products more viable by offering extensive managed services, including maintenance and cash management services that make the ATMs highly reliable and well-supported. With technological foresight added to strong service support, Japan ATM market will wear a dynamic and competitive environment.

In September 2024, Fujitsu Limited and MoBagel Inc. announced that Fujitsu provided AI technology from its Fujitsu Kozuchi service for use in Decanter AI, an AutoML platform developed by US-based AI startup MoBagel Inc. This new solution, designed to accelerate AI-driven predictions, will be available globally starting in September and is born out of a strategic partnership between the two companies.

In August 2024, Diebold Nixdorf announced that it is the first ATM solution provider ready to support the Microsoft Windows 11 IoT Enterprise LTSC 2024 operating system. It includes a range of new features that enhance security, speed, and usability for financial institutions and is available for order today with any DN Series device equipped with the latest processor.

Table of Contents

1. Research Methodology

2. Project Scope and Definitions

3. Executive Summary

4. Voice of Customer

• 4.1. Product and Market Intelligence
• 4.2. Mode of Brand Awareness
• 4.3. Factors Considered in Purchase Decisions
  • 4.3.1. Features and Other Value-added Service
  • 4.3.2. IT Infrastructure Compatibility
  • 4.3.3. Efficiency of Solutions
  • 4.3.4. After-sales Support
• 4.4. Consideration of Privacy and Regulations

5. Japan Automated Teller Machine Market Outlook, FY2018-FY2032F

• 5.1. Market Size & Forecast
  • 5.1.1. By Value
• 5.2. By Type
  • 5.2.1. Conventional ATM
  • 5.2.2. Brown Label ATM
  • 5.2.3. White Label ATM
  • 5.2.4. Smart ATM
  • 5.2.5. Cash Dispensers
• 5.3. By Solution
  • 5.3.1. Deployment
    • 5.3.1.1. On-site ATM
    • 5.3.1.2. Office ATM
    • 5.3.1.3. Worksite ATM
    • 5.3.1.4. Mobile ATM
  • 5.3.2. Managed Services
• 5.4. By Application
  • 5.4.1. Commercial
  • 5.4.2. Residential
  • 5.4.3. Government
• 5.5. By Region
  • 5.5.1. North [Hokkaido and Tohoku]
  • 5.5.2. Central [Kanto and Chubu]
  • 5.5.3. South [Kansai, Chugoku, Shikoku, Kyushu, Okinawa]

6. Demand Supply Analysis

7. Import and Export Analysis

8. Value Chain Analysis

9. Porter's Five Forces Analysis

10. PESTLE Analysis

11. Macro-economic Indicators

12. Pricing Analysis

13. Market Dynamics

• 13.1. Market Drivers
• 13.2. Market Challenges

14. Market Trends and Developments

15. Case Studies

16. Competitive Landscape

• 16.1. Competition Matrix of Top 5 Market Leaders
• 16.2. SWOT Analysis for Top 5 Players
• 16.3. Key Players Landscape for Top 10 Market Players
  • 16.3.1. Fujitsu Limited
    • 16.3.1.1. Company Details
    • 16.3.1.2. Key Management Personnel
    • 16.3.1.3. Products and Services
    • 16.3.1.4. Financials (As Reported)
    • 16.3.1.5. Key Market Focus and Geographical Presence
    • 16.3.1.6. Recent Developments/Collaborations/Partnerships/Mergers and Acquisition
  • 16.3.2. Nautilus Hyosung Corporation
  • 16.3.3. Diebold Nixdorf, Incorporated
  • 16.3.4. Hitachi Ltd.
  • 16.3.5. GRG Banking Equipment Co., Ltd.
  • 16.3.6. OKI Electric Industry Co., Ltd.
  • 16.3.7. Japan Cash Machine Co., Ltd.
  • 16.3.8. NCR Corporation
  • 16.3.9. Laurel Bank Machines Co., Ltd.
  • 16.3.10. Seven Bank Ltd.

Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work.

17. Strategic Recommendations

18. About Us and Disclaimer

List of Tables

• Table 1. Pricing Analysis of Products from Key Players
• Table 2. Competition Matrix of Top 5 Market Leaders
• Table 3. Mergers & Acquisitions/ Joint Ventures (If Applicable)
• Table 4. About Us - Regions and Countries Where We Have Executed Client Projects

List of Figures

• Figure 1. Japan Automated Teller Machine Market, By Value, In USD Billion, FY2018-FY2032F
• Figure 2. Japan Automated Teller Machine Market Share (%), By Type, FY2018-FY2032F
• Figure 3. Japan Automated Teller Machine Market Share (%), By Solution, FY2018-FY2032F
• Figure 4. Japan Automated Teller Machine Market Share (%), By Application, FY2018-FY2032F
• Figure 5. Japan Automated Teller Machine Market Share (%), By Region, FY2018-FY2032F
• Figure 6. By Type Map-Market Size (USD Billion) & Growth Rate (%), FY2024
• Figure 7. By Solution Map-Market Size (USD Billion) & Growth Rate (%), FY2024
• Figure 8. By Application Map-Market Size (USD Billion) & Growth Rate (%), FY2024
• Figure 9. By Region Map-Market Size (USD Billion) & Growth Rate (%), FY2024