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市场调查报告书
商品编码
1833568
2032 年 3D 安全支付认证市场预测:按组件、认证类型、支付介面、应用、最终用户和地区进行的全球分析3D Secure Payment Authentication Market Forecasts to 2032 - Global Analysis By Component, Authentication Type, Payment Interface, Application, End User and By Geography |
根据 Stratistics MRC 的数据,全球 3D 安全支付认证市场预计在 2025 年达到 16.5 亿美元,到 2032 年将达到 43.3 亿美元,预测期内的复合年增长率为 14.7%。
3D安全支付验证引入了额外的身份验证步骤,在确认付款之前,需要使用OTP、密码或生物识别验证身分。此流程可确保买家和商家的交易更加安全,最大限度地减少信用卡欺诈,提升人们对数位商务的信任,同时确保符合财务安全法规。
电子商务和线上交易的兴起
随着消费者越来越多地使用行动应用程式和网路平台进行购物,对强大的防诈骗工具的需求也日益增长。 3D安全通讯协定被广泛采用,以提高交易安全性并降低扣回争议帐款风险。生物识别和人工智慧风险评分的创新正在改变商家验证客户身份的方式。数位钱包和嵌入式金融的扩展进一步加速了安全认证层的整合。随着对跨境交易和即时支付的期望不断增长,市场正在见证即时认证技术的快速发展。
替代身份验证解决方案
令牌化、生物辨识身分验证和行为分析等解决方案可提供顺畅的使用者体验,并减少对传统逐步身分验证的依赖。 PSD2 等法规结构鼓励采用多种方法实现强客户身分验证,从而带来竞争压力。金融科技新兴企业正在推出轻量级、设备原生的安全通讯协定,以绕过传统外挂程式。商家通常更倾向于无缝的结帐流程,并根据自身风险状况选择性地采用 3D 安全验证。随着身份验证变得更加去中心化和更具适应性,旧有系统在保持相关性和整合速度方面面临挑战。
与新付款管道整合
先买后付 (BNPL)、加密钱包和超级应用程式等平台需要安全的身份验证层来符合不断发展的监管标准。基于 API 的整合模型支援在不同的付款闸道之间无缝部署 3D Secure。云端原生架构和微服务正在为金融科技公司和新型银行提供可扩展的身份验证框架。新兴市场支付的快速数位化正在创造对可互通、行动优先的通讯协定的需求。身份验证提供者和付款管道之间的策略合作正在开闢新的获利管道和用户信任机制。
诈骗手段日益复杂
网路钓鱼即服务、合成身分诈骗和深度造假生物辨识等手段正在侵蚀传统的检验方法。诈欺侦测引擎必须不断发展,融入机器学习和即时行为分析,才能保持领先地位。帐户接管和凭证人员编制攻击的兴起,正在推动人们转向自适应身份验证。监管机构正在要求更严格的合规性和审核跟踪,这增加了商家的营运复杂性。如果没有持续的技术创新和威胁情报集成,身份验证系统可能会在不断变化的诈欺情况下变得过时。
COVID-19的影响
疫情加速了数位支付的普及,并增加了对安全线上交易通讯协定的需求。实体零售业的颠覆导致电商平台呈指数级增长,推动了对无缝安全身份验证的需求。远端入职和数位身分检验变得至关重要,促使3D安全基础设施升级。监管机构放宽了合规规范,以支援快速数位转型,推动了身分验证工具的快速普及。这场危机也凸显了多因素身份验证和即时诈欺监控对于保护数位商务的重要性。
预计预测期内,商家外挂程式 (MPI) 细分市场将占比最大
商家插件 (MPI) 领域预计将在预测期内占据最大的市场份额,这得益于其在促进安全交易流程方面的核心作用。 MPI 充当启动 3D 安全认证的网关,使其成为电子商务平台的重要组成部分。插件架构的技术进步带来了更快的回应时间,并提高了与各种支付系统的兼容性。供应商正在透过基于人工智慧的诈欺检测和动态风险评估功能来增强 MPI 模组。对用户体验的日益关注推动了轻量级、行动优化插件的开发。随着商家寻求扩充性且合规的解决方案,MPI 将继续成为安全数位支付生态系统的支柱。
预计 BFSI 部门在预测期内将以最高复合年增长率成长
预计BFSI(商业、金融服务和保险)领域将在预测期内实现最高成长率。银行和金融机构正在迅速实现服务数位化,这增加了其面临的网路威胁和监管审查风险。为了符合PCI DSS和PSD2等全球标准,3D安全通讯协定的采用率正在上升。人工智慧身份验证和生物识别的整合正在改变客户入职和交易检验。金融科技创新和行动银行的兴起正在推动对灵活的云端基础安全解决方案的需求。随着金融服务业采用数位优先模式,BFSI领域有望成为身分验证技术发展的关键驱动力。
受电子商务和行动支付的推动,亚太地区预计将在预测期内占据最大的市场份额。中国、印度和印尼等国家数位交易的快速成长正在推动3D安全系统的普及。各国政府推动无现金经济和数位身分框架的措施正在加速市场渗透。本地科技公司正在与全球身分验证提供者合作,以加强安全基础设施。该地区还正在采用生物识别和基于人工智慧的检验来打击日益猖獗的诈欺行为。凭藉庞大的用户群和不断扩张的金融科技生态系统,亚太地区将继续成为数位支付创新的中心。
在技术领先和严格监管要求的推动下,北美地区预计将在预测期内呈现最高的复合年增长率。美国和加拿大正大力投资网路安全和数位身分管理,推动采用高阶身分验证通讯协定。金融机构正在整合人工智慧、行为分析和设备指纹识别,以加强诈骗预防。联邦贸易委员会和消费者金融保护局等监管机构正在推动更强有力的消费者保护,并鼓励 3D 安全升级。云端原生部署和 API 优先策略正在实现付款管道之间的快速整合。随着数位商务的成熟,北美继续为安全交易生态系统树立标竿。
According to Stratistics MRC, the Global 3D Secure Payment Authentication Market is accounted for $1.65 billion in 2025 and is expected to reach $4.33 billion by 2032 growing at a CAGR of 14.7% during the forecast period.3D Secure Payment Authentication is a security mechanism for online payments that protects against fraud in card-not-present transactions. It introduces an additional authentication step, where users verify their identity via OTPs, passwords, or biometrics before finalizing payments. This process ensures safer transactions for both buyers and merchants, minimizing unauthorized use of cards and promoting trust in digital commerce while adhering to financial security regulations.
Rising E-commerce and online transactions
As consumers increasingly rely on mobile apps and web platforms for purchases, the need for robust fraud prevention tools is intensifying. 3D Secure protocols are being widely adopted to enhance transaction safety and reduce chargeback risks. Innovations in biometric verification and AI-driven risk scoring are transforming how merchants validate customer identities. The expansion of digital wallets and embedded finance is further accelerating the integration of secure authentication layers. With growing cross-border transactions and instant payment expectations, the market is witnessing rapid evolution in real-time verification technologies.
Alternative authentication solutions
Solutions like tokenization, biometric authentication, and behavioral analytics offer frictionless user experiences, reducing reliance on traditional step-up verification. Regulatory frameworks such as PSD2 encourage diversified approaches to strong customer authentication, creating competitive pressure. Fintech startups are introducing lightweight, device-native security protocols that bypass conventional plug-ins. Merchants often prefer seamless checkout flows, leading to selective adoption of 3D Secure based on risk profiles. As authentication becomes more decentralized and adaptive, legacy systems face hurdles in maintaining relevance and integration speed.
Integration with new payment platforms
Platforms like Buy Now Pay Later (BNPL), crypto wallets, and super apps are seeking secure authentication layers to comply with evolving regulatory norms. API-based integration models are enabling seamless deployment of 3D Secure across diverse payment gateways. Cloud-native architectures and microservices are facilitating scalable authentication frameworks for fintechs and neobanks. Emerging markets are rapidly digitizing payments, creating demand for interoperable and mobile-first security protocols. Strategic collaborations between authentication providers and payment platforms are unlocking new monetization channels and user trust mechanisms.
Sophistication of fraudulent techniques
Techniques like phishing-as-a-service, synthetic identity fraud, and deepfake biometrics are undermining traditional verification methods. Fraud detection engines must evolve to incorporate machine learning and real-time behavioral analysis to stay ahead. The rise of account takeover and credential stuffing attacks is prompting a shift toward adaptive authentication. Regulatory bodies are mandating stronger compliance and audit trails, increasing operational complexity for merchants. Without continuous innovation and threat intelligence integration, authentication systems risk becoming obsolete against evolving fraud landscapes.
Covid-19 Impact
The pandemic accelerated digital payment adoption, intensifying the need for secure online transaction protocols. With physical retail disrupted, e-commerce platforms saw exponential growth, driving demand for frictionless yet secure authentication. Remote onboarding and digital identity verification became critical, prompting upgrades in 3D Secure infrastructure. Regulatory agencies relaxed certain compliance norms to support rapid digital transformation, enabling faster deployment of authentication tools. The crisis also highlighted the importance of multi-factor authentication and real-time fraud monitoring in safeguarding digital commerce.
The merchant plug-in (MPI) segment is expected to be the largest during the forecast period
The merchant plug-in (MPI) segment is expected to account for the largest market share during the forecast period, due to its central role in facilitating secure transaction flows. MPIs act as the gateway for initiating 3D secure authentication, making them indispensable for e-commerce platforms. Technological advancements in plug-in architecture are enabling faster response times and improved compatibility with diverse payment systems. Vendors are enhancing MPI modules with AI-based fraud detection and dynamic risk assessment features. The growing emphasis on user experience is driving the development of lightweight, mobile-optimized plug-ins. As merchants seek scalable and compliant solutions, MPI remains the backbone of secure digital payment ecosystems.
The BFSI segment is expected to have the highest CAGR during the forecast period
Over the forecast period, the BFSI segment is predicted to witness the highest growth rate, driven by its critical need for secure digital transactions. Banks and financial institutions are rapidly digitizing services, increasing exposure to cyber threats and regulatory scrutiny. Adoption of 3D secure protocols is rising to meet compliance with global standards like PCI DSS and PSD2. Integration of AI-powered authentication and biometric verification is transforming customer onboarding and transaction validation. Fintech innovation and mobile banking expansion are creating demand for flexible, cloud-based security solutions. As financial services embrace digital-first models, the BFSI segment is becoming a key driver of authentication technology evolution.
During the forecast period, the Asia Pacific region is expected to hold the largest market share, supported by booming e-commerce and mobile payment adoption. Countries like China, India, and Indonesia are witnessing rapid growth in digital transactions, prompting widespread deployment of 3D secure systems. Government initiatives promoting cashless economies and digital identity frameworks are accelerating market penetration. Local tech firms are collaborating with global authentication providers to enhance security infrastructure. The region is also embracing biometric and AI-based verification to combat rising fraud. With a massive user base and expanding fintech ecosystem, Asia Pacific remains the epicenter of digital payment innovation.
Over the forecast period, the North America region is anticipated to exhibit the highest CAGR, fuelled by technological leadership and stringent regulatory mandates. The U.S. and Canada are investing heavily in cybersecurity and digital identity management, driving adoption of advanced authentication protocols. Financial institutions are integrating AI, behavioral analytics, and device fingerprinting to enhance fraud prevention. Regulatory bodies like the FTC and CFPB are pushing for stronger consumer protection, encouraging 3D Secure upgrades. Cloud-native deployment and API-first strategies are enabling rapid integration across payment platforms. As digital commerce matures, North America continues to set the benchmark for secure transaction ecosystems.
Key players in the market
Some of the key players profiled in the 3D Secure Payment Authentication Market include Visa, Mastercard, American Express, Stripe, Adyen, Worldline, FIS, Fiserv, ACI Worldwide, Thales, Signifyd, Sift, BioCatch, Kount, and Entersekt.
In July2025, Mastercard and BMO announced an expansion of BMO's Global Money Transfer service, powered by Mastercard Move's global money movement capabilities. With the addition of new destinations and currencies, BMO's Canadian personal banking clients will now be able to reach family and friends in nearly 70 destinations across Europe, the Middle East, Africa, Asia Pacific, Latin America and the Caribbean.
In July 2025, Stripe launches new products to accelerate growth for businesses in Germany. Stripe showcased new products to accelerate the growth of German businesses. The announcements were made at Stripe Tour Berlin, the company's annual gathering of business leaders in Germany.
Note: Tables for North America, Europe, APAC, South America, and Middle East & Africa Regions are also represented in the same manner as above.