银行和金融服务市场中的物联网—全球产业规模、份额、趋势、机会和预测（按组件、按应用、按最终用途、按地区和竞争，2020-2030 年）

2024年，全球银行和金融服务物联网市场规模达585.6亿美元，预计2030年将达到1,104亿美元，预测期内复合年增长率为11.15%。该市场专注于互联设备、感测器和通讯系统的部署，这些系统正在彻底改变金融机构的运作方式和与客户互动的方式。透过物联网集成，银行和金融服务供应商可以收集和分析来自ATM、行动应用程式、穿戴式装置和分行系统等来源的即时资料。这些资料有助于提高营运效率、提供主动客户服务，并增强诈欺侦测能力。

物联网的普及主要源自于对数位银行解决方案日益增长的需求、日益复杂的技术以及个人化金融服务的需求。金融机构正在利用物联网监控ATM功能、优化分公司营运并减少客户等待时间。此外，穿戴式银行和连网支付也日益流行，帮助用户更直观地管理财务。随着业界重视网路安全和监管合规性，物联网也被用于提供更安全、透明和可追溯的金融环境。

关键市场驱动因素

对高度个人化银行体验的期望日益增长

主要市场挑战

确保资料隐私和法规遵循性

主要市场趋势

智慧分行和互联银行介面的兴起

目录

第 1 章：解决方案概述

• 市场定义
• 市场范围
  • 覆盖市场
  • 考虑学习的年限
  • 主要市场区隔

第二章：研究方法

第三章：执行摘要

第四章：顾客之声

第五章：银行与金融服务领域全球物联网市场展望

• 市场规模和预测
  • 按价值
• 市场占有率和预测
  • 按组件（硬体、软体、服务）
  • 按应用程式（安全性、客户体验管理、监控、资料管理、其他）
  • 依最终用途（银行、保险、其他）
  • 按地区（北美、欧洲、南美、中东和非洲、亚太地区）
• 按公司分类（2024）
• 市场地图

第六章：北美银行与金融服务物联网市场展望

• 市场规模和预测
• 市场占有率和预测
• 北美：国家分析
  • 美国
  • 加拿大
  • 墨西哥

第七章：欧洲银行与金融服务物联网市场展望

• 市场规模和预测
• 市场占有率和预测
• 欧洲：国家分析
  • 德国
  • 法国
  • 英国
  • 义大利
  • 西班牙

第八章：亚太地区银行与金融服务物联网市场展望

• 市场规模和预测
• 市场占有率和预测
• 亚太地区：国家分析
  • 中国
  • 印度
  • 日本
  • 韩国
  • 澳洲

第九章：中东和非洲银行和金融服务物联网市场展望

• 市场规模和预测
• 市场占有率和预测
• 中东和非洲：国家分析
  • 沙乌地阿拉伯
  • 阿联酋
  • 南非

第十章：南美银行与金融服务物联网市场展望

• 市场规模和预测
• 市场占有率和预测
• 南美洲：国家分析
  • 巴西
  • 哥伦比亚
  • 阿根廷

第 11 章：市场动态

• 驱动程式
• 挑战

第 12 章：市场趋势与发展

• 合併与收购（如有）
• 产品发布（如有）
• 最新动态

第十三章：公司简介

• Cisco Systems, Inc.
• Microsoft Corporation
• Oracle Corporation
• IBM Corporation
• Amazon.com, Inc.
• Infosys Limited
• Accenture plc
• SAP SE

第 14 章：策略建议

第15章调查会社について・免责事项

The Global IoT in Banking and Financial Services Market was valued at USD 58.56 billion in 2024 and is projected to reach USD 110.40 billion by 2030, growing at a CAGR of 11.15% during the forecast period. This market focuses on the deployment of interconnected devices, sensors, and communication systems that are revolutionizing how financial institutions operate and engage with customers. Through IoT integration, banks and financial service providers can collect and analyze real-time data from sources such as ATMs, mobile applications, wearables, and in-branch systems. This data enables improved operational efficiency, proactive customer service, and enhanced fraud detection capabilities.

The adoption of IoT is largely driven by the growing demand for digital banking solutions, increasing technological sophistication, and the need for personalized financial services. Institutions are leveraging IoT to monitor ATM functionality, optimize branch operations, and reduce customer wait times. Furthermore, wearable-enabled banking and connected payments are gaining traction, helping users manage finances more intuitively. As the industry prioritizes cybersecurity and regulatory compliance, IoT is also being utilized to deliver more secure, transparent, and traceable financial environments.

Key Market Drivers

Growing Expectations for Hyper-Personalized Banking Experiences

Consumers increasingly expect tailored banking experiences, and IoT technologies are playing a pivotal role in meeting these demands. Smart devices such as wearables, mobile wallets, and voice-activated assistants provide a wealth of real-time data, including spending behavior, location, and biometric feedback. Financial institutions are capitalizing on this information to enhance customer engagement by offering real-time financial recommendations, personalized offers, and geolocation-based alerts.

This high level of personalization extends into product innovation, with dynamic financial solutions such as insurance premiums and loan offers that adapt based on lifestyle and usage patterns. IoT also improves decision-making in credit scoring and fraud prevention. Pilot programs have shown that IoT-generated interactions result in higher responsiveness and engagement compared to traditional mobile banking alerts. As customers increasingly compare financial services to tech-enabled consumer experiences, institutions embracing IoT personalization stand to build stronger relationships and improve customer retention.

Key Market Challenges

Ensuring Data Privacy and Regulatory Compliance

A key challenge in this market is the need to manage large volumes of sensitive data while adhering to strict privacy laws and regulations. IoT devices across banking networks-ranging from biometric systems to mobile applications-generate complex data streams that must be securely stored and processed. Regulations such as the General Data Protection Regulation (GDPR) in Europe and the California Consumer Privacy Act (CCPA) in the U.S. impose stringent requirements for data handling, consent management, and breach notification.

The dynamic and interconnected nature of IoT ecosystems makes compliance difficult, especially when third-party service providers and global data transfers are involved. Institutions must invest in advanced encryption, secure cloud storage, and policy governance tools to mitigate risk. Maintaining consistent compliance across a rapidly evolving digital infrastructure remains a top concern, particularly as regulators tighten oversight on financial data transparency and consumer rights.

Key Market Trends

Rise of Smart Branches and Connected Banking Interfaces

The emergence of smart branches is transforming the traditional banking model. Financial institutions are integrating IoT with artificial intelligence to create interactive, customer-centric environments. These branches utilize biometric recognition, intelligent kiosks, and sensor-enabled systems to streamline services, reduce wait times, and personalize customer interactions.

IoT-enabled smart branches can automatically identify repeat visitors, analyze foot traffic patterns, and manage energy consumption for sustainability. In addition to operational gains, these innovations support omnichannel banking by aligning physical services with digital experiences. Enhanced surveillance and environmental control systems also improve branch security and safety. With growing competition from digital-first platforms, physical branches are evolving into tech-enabled hubs that support seamless, high-value banking interactions.

Key Market Players

• Cisco Systems, Inc.
• Microsoft Corporation
• Oracle Corporation
• IBM Corporation
• Amazon.com, Inc.
• Infosys Limited
• Accenture plc
• SAP SE

Report Scope:

In this report, the Global IoT in Banking and Financial Services Market has been segmented into the following categories, in addition to the industry trends which have also been detailed below:

IoT in Banking and Financial Services Market, By Component:

• Hardware
• Software
• Services

IoT in Banking and Financial Services Market, By Application:

• Security
• Customer Experience Management
• Monitoring
• Data Management
• Others

IoT in Banking and Financial Services Market, By End Use:

• Banking
• Insurance
• Others

IoT in Banking and Financial Services Market, By Region:

• North America
  • United States
  • Canada
  • Mexico
• Europe
  • Germany
  • France
  • United Kingdom
  • Italy
  • Spain
• Asia Pacific
  • China
  • India
  • Japan
  • South Korea
  • Australia
• Middle East & Africa
  • Saudi Arabia
  • UAE
  • South Africa
• South America
  • Brazil
  • Colombia
  • Argentina

Competitive Landscape

Company Profiles: Detailed analysis of the major companies present in the Global IoT in Banking and Financial Services Market.

Available Customizations:

Global IoT in Banking and Financial Services Market report with the given market data, TechSci Research offers customizations according to a company's specific needs. The following customization options are available for the report:

Company Information

• Detailed analysis and profiling of additional market players (up to five).

Table of Contents

1. Solution Overview

• 1.1. Market Definition
• 1.2. Scope of the Market
  • 1.2.1. Markets Covered
  • 1.2.2. Years Considered for Study
  • 1.2.3. Key Market Segmentations

2. Research Methodology

• 2.1. Objective of the Study
• 2.2. Baseline Methodology
• 2.3. Key Industry Partners
• 2.4. Major Association and Secondary Sources
• 2.5. Forecasting Methodology
• 2.6. Data Triangulation & Validation
• 2.7. Assumptions and Limitations

3. Executive Summary

• 3.1. Overview of the Market
• 3.2. Overview of Key Market Segmentations
• 3.3. Overview of Key Market Players
• 3.4. Overview of Key Regions/Countries
• 3.5. Overview of Market Drivers, Challenges, and Trends

4. Voice of Customer

5. Global IoT in Banking and Financial Services Market Outlook

• 5.1. Market Size & Forecast
  • 5.1.1. By Value
• 5.2. Market Share & Forecast
  • 5.2.1. By Component (Hardware, Software, Services)
  • 5.2.2. By Application (Security, Customer Experience Management, Monitoring, Data Management, Others)
  • 5.2.3. By End Use (Banking, Insurance, Others)
  • 5.2.4. By Region (North America, Europe, South America, Middle East & Africa, Asia Pacific)
• 5.3. By Company (2024)
• 5.4. Market Map

6. North America IoT in Banking and Financial Services Market Outlook

• 6.1. Market Size & Forecast
  • 6.1.1. By Value
• 6.2. Market Share & Forecast
  • 6.2.1. By Component
  • 6.2.2. By Application
  • 6.2.3. By End Use
  • 6.2.4. By Country
• 6.3. North America: Country Analysis
  • 6.3.1. United States IoT in Banking and Financial Services Market Outlook
    • 6.3.1.1. Market Size & Forecast
      • 6.3.1.1.1. By Value
    • 6.3.1.2. Market Share & Forecast
      • 6.3.1.2.1. By Component
      • 6.3.1.2.2. By Application
      • 6.3.1.2.3. By End Use
  • 6.3.2. Canada IoT in Banking and Financial Services Market Outlook
    • 6.3.2.1. Market Size & Forecast
      • 6.3.2.1.1. By Value
    • 6.3.2.2. Market Share & Forecast
      • 6.3.2.2.1. By Component
      • 6.3.2.2.2. By Application
      • 6.3.2.2.3. By End Use
  • 6.3.3. Mexico IoT in Banking and Financial Services Market Outlook
    • 6.3.3.1. Market Size & Forecast
      • 6.3.3.1.1. By Value
    • 6.3.3.2. Market Share & Forecast
      • 6.3.3.2.1. By Component
      • 6.3.3.2.2. By Application
      • 6.3.3.2.3. By End Use

7. Europe IoT in Banking and Financial Services Market Outlook

• 7.1. Market Size & Forecast
  • 7.1.1. By Value
• 7.2. Market Share & Forecast
  • 7.2.1. By Component
  • 7.2.2. By Application
  • 7.2.3. By End Use
  • 7.2.4. By Country
• 7.3. Europe: Country Analysis
  • 7.3.1. Germany IoT in Banking and Financial Services Market Outlook
    • 7.3.1.1. Market Size & Forecast
      • 7.3.1.1.1. By Value
    • 7.3.1.2. Market Share & Forecast
      • 7.3.1.2.1. By Component
      • 7.3.1.2.2. By Application
      • 7.3.1.2.3. By End Use
  • 7.3.2. France IoT in Banking and Financial Services Market Outlook
    • 7.3.2.1. Market Size & Forecast
      • 7.3.2.1.1. By Value
    • 7.3.2.2. Market Share & Forecast
      • 7.3.2.2.1. By Component
      • 7.3.2.2.2. By Application
      • 7.3.2.2.3. By End Use
  • 7.3.3. United Kingdom IoT in Banking and Financial Services Market Outlook
    • 7.3.3.1. Market Size & Forecast
      • 7.3.3.1.1. By Value
    • 7.3.3.2. Market Share & Forecast
      • 7.3.3.2.1. By Component
      • 7.3.3.2.2. By Application
      • 7.3.3.2.3. By End Use
  • 7.3.4. Italy IoT in Banking and Financial Services Market Outlook
    • 7.3.4.1. Market Size & Forecast
      • 7.3.4.1.1. By Value
    • 7.3.4.2. Market Share & Forecast
      • 7.3.4.2.1. By Component
      • 7.3.4.2.2. By Application
      • 7.3.4.2.3. By End Use
  • 7.3.5. Spain IoT in Banking and Financial Services Market Outlook
    • 7.3.5.1. Market Size & Forecast
      • 7.3.5.1.1. By Value
    • 7.3.5.2. Market Share & Forecast
      • 7.3.5.2.1. By Component
      • 7.3.5.2.2. By Application
      • 7.3.5.2.3. By End Use

8. Asia Pacific IoT in Banking and Financial Services Market Outlook

• 8.1. Market Size & Forecast
  • 8.1.1. By Value
• 8.2. Market Share & Forecast
  • 8.2.1. By Component
  • 8.2.2. By Application
  • 8.2.3. By End Use
  • 8.2.4. By Country
• 8.3. Asia Pacific: Country Analysis
  • 8.3.1. China IoT in Banking and Financial Services Market Outlook
    • 8.3.1.1. Market Size & Forecast
      • 8.3.1.1.1. By Value
    • 8.3.1.2. Market Share & Forecast
      • 8.3.1.2.1. By Component
      • 8.3.1.2.2. By Application
      • 8.3.1.2.3. By End Use
  • 8.3.2. India IoT in Banking and Financial Services Market Outlook
    • 8.3.2.1. Market Size & Forecast
      • 8.3.2.1.1. By Value
    • 8.3.2.2. Market Share & Forecast
      • 8.3.2.2.1. By Component
      • 8.3.2.2.2. By Application
      • 8.3.2.2.3. By End Use
  • 8.3.3. Japan IoT in Banking and Financial Services Market Outlook
    • 8.3.3.1. Market Size & Forecast
      • 8.3.3.1.1. By Value
    • 8.3.3.2. Market Share & Forecast
      • 8.3.3.2.1. By Component
      • 8.3.3.2.2. By Application
      • 8.3.3.2.3. By End Use
  • 8.3.4. South Korea IoT in Banking and Financial Services Market Outlook
    • 8.3.4.1. Market Size & Forecast
      • 8.3.4.1.1. By Value
    • 8.3.4.2. Market Share & Forecast
      • 8.3.4.2.1. By Component
      • 8.3.4.2.2. By Application
      • 8.3.4.2.3. By End Use
  • 8.3.5. Australia IoT in Banking and Financial Services Market Outlook
    • 8.3.5.1. Market Size & Forecast
      • 8.3.5.1.1. By Value
    • 8.3.5.2. Market Share & Forecast
      • 8.3.5.2.1. By Component
      • 8.3.5.2.2. By Application
      • 8.3.5.2.3. By End Use

9. Middle East & Africa IoT in Banking and Financial Services Market Outlook

• 9.1. Market Size & Forecast
  • 9.1.1. By Value
• 9.2. Market Share & Forecast
  • 9.2.1. By Component
  • 9.2.2. By Application
  • 9.2.3. By End Use
  • 9.2.4. By Country
• 9.3. Middle East & Africa: Country Analysis
  • 9.3.1. Saudi Arabia IoT in Banking and Financial Services Market Outlook
    • 9.3.1.1. Market Size & Forecast
      • 9.3.1.1.1. By Value
    • 9.3.1.2. Market Share & Forecast
      • 9.3.1.2.1. By Component
      • 9.3.1.2.2. By Application
      • 9.3.1.2.3. By End Use
  • 9.3.2. UAE IoT in Banking and Financial Services Market Outlook
    • 9.3.2.1. Market Size & Forecast
      • 9.3.2.1.1. By Value
    • 9.3.2.2. Market Share & Forecast
      • 9.3.2.2.1. By Component
      • 9.3.2.2.2. By Application
      • 9.3.2.2.3. By End Use
  • 9.3.3. South Africa IoT in Banking and Financial Services Market Outlook
    • 9.3.3.1. Market Size & Forecast
      • 9.3.3.1.1. By Value
    • 9.3.3.2. Market Share & Forecast
      • 9.3.3.2.1. By Component
      • 9.3.3.2.2. By Application
      • 9.3.3.2.3. By End Use

10. South America IoT in Banking and Financial Services Market Outlook

• 10.1. Market Size & Forecast
  • 10.1.1. By Value
• 10.2. Market Share & Forecast
  • 10.2.1. By Component
  • 10.2.2. By Application
  • 10.2.3. By End Use
  • 10.2.4. By Country
• 10.3. South America: Country Analysis
  • 10.3.1. Brazil IoT in Banking and Financial Services Market Outlook
    • 10.3.1.1. Market Size & Forecast
      • 10.3.1.1.1. By Value
    • 10.3.1.2. Market Share & Forecast
      • 10.3.1.2.1. By Component
      • 10.3.1.2.2. By Application
      • 10.3.1.2.3. By End Use
  • 10.3.2. Colombia IoT in Banking and Financial Services Market Outlook
    • 10.3.2.1. Market Size & Forecast
      • 10.3.2.1.1. By Value
    • 10.3.2.2. Market Share & Forecast
      • 10.3.2.2.1. By Component
      • 10.3.2.2.2. By Application
      • 10.3.2.2.3. By End Use
  • 10.3.3. Argentina IoT in Banking and Financial Services Market Outlook
    • 10.3.3.1. Market Size & Forecast
      • 10.3.3.1.1. By Value
    • 10.3.3.2. Market Share & Forecast
      • 10.3.3.2.1. By Component
      • 10.3.3.2.2. By Application
      • 10.3.3.2.3. By End Use

11. Market Dynamics

• 11.1. Drivers
• 11.2. Challenges

12. Market Trends and Developments

• 12.1. Merger & Acquisition (If Any)
• 12.2. Product Launches (If Any)
• 12.3. Recent Developments

13. Company Profiles

• 13.1. Cisco Systems, Inc.
  • 13.1.1. Business Overview
  • 13.1.2. Key Revenue and Financials
  • 13.1.3. Recent Developments
  • 13.1.4. Key Personnel
  • 13.1.5. Key Product/Services Offered
• 13.2. Microsoft Corporation
• 13.3. Oracle Corporation
• 13.4. IBM Corporation
• 13.5. Amazon.com, Inc.
• 13.6. Infosys Limited
• 13.7. Accenture plc
• 13.8. SAP SE

14. Strategic Recommendations

15. About Us & Disclaimer