2026 年至 2032 年 3D 安全认证市场（按类型、部署模式和地区）

3D安全认证市场评估 - 2026-2032

为了避免诈欺和保护敏感数据，对线上交易安全性的提高的需求日益增长，这推动了 3D 安全认证市场的发展。随着电子商务和行动付款的兴起，企业和金融机构专注于改进身分验证解决方案，以保护敏感的客户资料并防止非法贸易，到 2024 年将达到 45.6 亿美元，到 2032 年将达到 181.6 亿美元。

欧盟的 PSD2 和强客户身份验证 (SCA) 标准等监管要求也在推动使用 3D 安全技术来确保合规性和安全交易。此外，消费者对网路安全意识的不断提高以及对流畅、安全的付款体验的需求正在推动 3D 安全技术的采用，预计 2024 年至 2032 年期间的复合年增长率约为 20.80%。

3D安全认证市场定义/概述

3D 安全认证是一种旨在提高线上信用卡和签帐金融卡交易安全性的安全机制。在进行线上付款时，持卡人必须透过密码、简讯代码或生物识别与发卡机构完成额外的身份验证步骤。 3D Secure 的主要用途是电子商务平台、网路银行和数位付款闸道，旨在减少非法贸易并提高付款安全性。由于线上交易的增加、认证技术的不断发展以及付款安全监管环境的加强，3D 安全认证的前景光明，使其成为不断扩大的数位付款领域的重要组成部分。

对线上交易安全性日益增长的需求是否会推动 3D 安全认证市场的发展？

对线上交易安全性提高的需求是 3D 安全认证行业的主要推动力。线上商务和数位付款的兴起使得消费者和企业越来越关注交易的安全性和防诈骗性。 3D 安全通讯协定提供了额外的高级检验，大大降低了非法贸易的风险。人们对安全交易的认识和需求不断增长，推动了电子商务、银行、零售等各行业采用 3D 安全认证。

例如，Visa 于 2024 年 7 月宣布推出其最新的 3D Secure 2.0 系统，旨在提供无缝且安全的购物体验。该通讯协定使用先进的生物识别和人工智慧来改善身份验证过程，减少合法消费者的摩擦，同时提供增强的诈骗措施。各大金融机构的这些倡议表明，强有力的安全措施在数位付款生态系统中的重要性日益增加，并且对推动市场成长发挥重要作用。

此外，世界各国政府都在强调安全数位交易的必要性。 2024 年 6 月，欧盟 (EU) 加强了 PSD2（付款服务指令 2）的要求，强制要求线上付款采用强客户身份验证 (SCA)。这些要求强制使用多因素身份验证，使得 3D Secure 等技术对于合规性至关重要。这种监管推动将鼓励企业采用 3D 安全认证来遵守法律要求并确保消费者资料的保护，从而推动市场成长。

法律要求以及网路攻击和资料外洩的增加正在推动对先进安全解决方案的需求。 2024 年 8 月，一场大规模网路攻击袭击了一家大型零售连锁店，使数百万消费者的资料面临风险。此类事件凸显了 3D 安全认证等高阶安全通讯协定在保护敏感资讯的重要性。网路威胁的不断演变意味着对强大身分验证解决方案的需求将持续成长，从而推动市场成长和更先进安全措施开发的创新。

日益严格的监管合规性是否会阻碍 3D 安全认证市场的成长？

由于实现这些标准所涉及的复杂性和成本，日益严格的监管合规性可能会限制 3D 安全认证市场的成长。企业经常难以遵守严格的监管标准，导致营运成本和资源配置增加。

该法规旨在提高付款安全性和消费者安全，但也增加了企业的合规成本和技术挑战。遵守这些要求需要在技术和基础设施方面进行大量投资以确保合规，这可能会打击一些企业的积极性并减缓 3D 安全认证系统的采用。

此外，复杂的区域监管制度可能会给跨国公司带来不一致和挑战。在多个司法管辖区营运的公司必须适应不同的监管环境，每个环境都有其独特的需求。这会导致额外的管理和操作限制，使公司难以统一应用标准化的 3D 安全认证系统。例如，2024 年 7 月，一家大型跨国电子商务公司报告称，其在努力满足全球业务中 3-D 安全认证的各种监管标准时出现了严重的延误和成本超支。

然而，必须强调的是，虽然遵守法规可能很困难，但它将鼓励使用现代安全措施，从长远来看这将有利于市场。例如，2024 年 8 月，一家美国大型金融机构成功实施 3D Secure 2.0，以满足新的监管标准，从而提高了安全性和消费者信任度。儘管最初有些繁琐，但这些法规可以提供更高等级的安全性，并增强客户对数位交易的信心，从而在存在合规性问题的情况下促进市场扩张。

目录

第一章 引言

• 市场定义
• 市场区隔
• 调查方法

第二章执行摘要

• 主要发现
• 市场概览
• 市集亮点

第三章市场概述

• 市场规模和成长潜力
• 市场趋势
• 市场驱动因素
• 市场限制
• 市场机会
• 波特五力分析

第四章 3D安全认证市场（按类型）

• 商家插件
• 发布者 SDK
• 基于风险的身份验证

第 5 章 3D 安全认证市场（依部署模式）

• 云端基础
• 本地

第六章区域分析

• 北美洲
• 美国
• 加拿大
• 墨西哥
• 欧洲
• 英国
• 德国
• 法国
• 义大利
• 亚太地区
• 中国
• 日本
• 印度
• 澳洲
• 拉丁美洲
• 巴西
• 阿根廷
• 智利
• 中东和非洲
• 南非
• 沙乌地阿拉伯
• 阿拉伯聯合大公国

第七章市场动态

• 市场驱动因素
• 市场限制
• 市场机会
• COVID-19 市场影响

第八章 竞争态势

• 主要企业
• 市场占有率分析

第九章 公司简介

• Visa
• Mastercard
• American Express
• JCB
• Discover

第十章 市场展望与机会

• 新兴技术
• 未来市场趋势
• 投资机会

第十一章 市场展望 附录

• 简称列表
• 来源和参考文献

3D Secure Authentication Market Valuation - 2026-2032

There is a rising demand for improved security in online transactions to avoid fraud and preserve sensitive data driving the 3D secure authentication market. With the rise of e-commerce and mobile payments, businesses and financial institutions are emphasizing improved authentication solutions to protect sensitive client data and prevent illegal transactions is fueling USD 4.56 Billion in 2024 and reaching USD 18.16 Billion by 2032.

Regulatory obligations, such as the European Union's PSD2 and Strong Customer Authentication (SCA) standards, are also driving the use of 3D Secure technology to assure compliance and transaction security. Furthermore, rising consumer awareness of cybersecurity and the demand for smooth yet secure payment experiences are hastening the adoption of 3D secure technologies is expected to grow at a CAGR of about 20.80% from 2024 to 2032.

3D Secure Authentication Market: Definition/ Overview

3D Secure Authentication is a security mechanism that aims to improve the security of online credit and debit card transactions. When making online payments, cardholders must complete an additional verification step with their card issuer, which is typically done via a password, SMS code, or biometric authentication. 3D Secure's key applications are e-commerce platforms, online banking, and digital payment gateways, which aim to reduce fraudulent transactions and improve payment security. The future of 3D Secure Authentication looks positive, thanks to the growing amount of online transactions, developments in authentication technology, and strong regulatory requirements for payment security, making it an essential component of the expanding digital payment landscape.

Will Rising Demand for Enhanced Security in Online Transactions Drive the 3D Secure Authentication Market?

The demand for improved security in online transactions is a major driver of the 3D Secure Authentication industry. With the rise of online commerce and digital payments, consumers and companies are growing increasingly worried about transaction security and fraud protection. The 3D Secure protocol provides an additional degree of verification, considerably lowering the risk of fraudulent transactions. The increased awareness and demand for safe transactions is driving the implementation of 3D safe Authentication in a variety of industries, including e-commerce, banking, and retail.

For instance, in July 2024, Visa announced the rollout of its updated 3D Secure 2.0 system, which aims to provide a seamless and secure shopping experience. This protocol uses advanced biometrics and artificial intelligence to improve authentication processes, decreasing friction for legitimate consumers while strengthening fraud prevention measures. Such actions by major financial institutions demonstrate the growing importance of strong security measures in the digital payment ecosystem, as well as their role in driving market growth.

Furthermore, governments around the world emphasize the necessity of secure digital transactions. In June 2024, the European Union strengthened its PSD2 (Payment Services Directive 2) requirements, which require strong customer authentication (SCA) for online payments. These requirements mandate the use of multi-factor authentication, making technologies such as 3D Secure critical for compliance. This regulatory push assures that firms employ 3D Secure Authentication to comply with legal requirements and protect consumer data, hence driving market growth.

In addition to legal requirements, the growing incidence of cyberattacks and data breaches has increased the demand for advanced security solutions. In August 2024, a large cyberattack struck a major retail chain, compromising millions of consumer data. Incidents like these highlight the importance of advanced security protocols like 3D Secure Authentication in protecting sensitive information. The continual evolution of cyber threats means that need for strong authentication solutions will continue to rise, driving market growth and innovation in the development of more sophisticated security measures.

Will Growing Regulatory Compliance Hinder the Growth of the 3D Secure Authentication Market?

Growing regulatory compliance can limit the growth of the 3D Secure Authentication market, owing to the complexities and expenses associated with attaining these standards. Businesses frequently struggle to adapt to tight regulatory standards, resulting in higher operating costs and resource allocations.

While the regulation seeks to improve payment security and consumer safety, it has also resulted in higher compliance costs and technical problems for firms. Adhering to these requirements necessitates significant investments in technology and infrastructure to assure compliance, which can be discouraging for some firms, potentially reducing the adoption rate of 3D Secure Authentication systems.

Furthermore, the complexity of regulatory systems between regions might result in discrepancies and challenges for multinational businesses. Companies that operate in many jurisdictions must navigate a variety of regulatory landscapes, each with its own unique needs. This can result in additional administrative and operational constraints, making it difficult for enterprises to apply standardized 3D Secure Authentication systems uniformly. For instance, in July 2024, a major multinational e-commerce company reported substantial delays and cost overruns in its efforts to meet various regulatory criteria for 3D Secure Authentication throughout its global operations.

However, it is important to highlight that, while regulatory compliance might be difficult, it also encourages the use of modern security measures, which benefits the market in the long run. For instance, in August 2024, a major financial institution in the United States successfully implemented 3D Secure 2.0 to meet new regulatory standards, resulting in increased security and consumer trust. These regulatory regulations, while initially burdensome, offer a higher level of security and can increase customer confidence in digital transactions, hence promoting market expansion despite compliance issues.

Category-Wise Acumens

Will Rising Demand for Merchant Plug-in Drive the 3D Secure Authentication Market?

The growing need for Merchant Plug-in (MPI) solutions is propelling the 3D Secure Authentication market. MPIs are essential to online transactions because they provide secure connections between the merchant's website and the payment gateway. The increase in e-commerce activities has heightened the need for secure and dependable transaction methods, with firms increasingly implementing MPIs to ensure increased security and fraud prevention during online purchases. This increased usage is being driven by rising consumer awareness of online security dangers and increasing regulatory requirements for safe transactions.

MPIs are in high demand because to their ability to interact effortlessly with existing e-commerce platforms. This integration not only improves the customer experience by lowering the danger of transaction abandonment, but it also offers merchants a low-cost way to strengthen their security architecture. Furthermore, advances in MPI technology, such as real-time fraud detection and multi-factor authentication, have accelerated its implementation. These technical improvements enable merchants to provide a secure buying experience, ultimately increasing consumer trust and loyalty.

Visa, for instance in March 2024, announced that it will expand its 3D Secure 2.0 protocol, focusing on improved MPI functions to facilitate frictionless and secure online transactions.

Similarly, in April 2024 Mastercard released upgraded MPI solutions, emphasizing AI-driven fraud detection methods to improve transaction security. These initiatives by major payment networks highlight the importance of MPIs in the changing environment of digital commerce, as well as their contribution to the expansion of the 3D Secure Authentication business.

The fastest growing segment is Risk-Based Authentication, which is fueled by its sophisticated ability to dynamically analyze transaction risk and provide a smooth user experience by demanding additional authentication only for high-risk transactions. This segment's growth is being driven by rising demand for advanced security solutions that balance security and user ease.

Will Rising Adoption of Cloud-Based Deployment Fuel the 3D Secure Authentication Market?

The growing use of cloud-based deployment is a crucial driver driving the 3D Secure Authentication market. Cloud-based solutions provide various benefits, including scalability, cost-efficiency, and ease of installation, which are especially appealing to enterprises of all sizes. These technologies enable enterprises to swiftly adopt 3D Secure Authentication procedures without requiring significant upfront hardware and infrastructure investments. Cloud-based models' flexibility enables firms to adapt their resources in response to demand, assuring optimal performance during peak transaction periods.

The benefits of cloud adoption include increased security and reliability. Cloud service providers often provide strong security measures, such as advanced encryption, regular security updates, and real-time threat monitoring, to safeguard sensitive transaction data from cyber-attacks. Furthermore, the centralized management of cloud-based systems facilitates compliance with changing regulatory requirements, allowing firms to keep current with industry standards and best practices. This combination of security and regulatory compliance has resulted in greater use of cloud-based 3D Secure Authentication solutions.

For example, in January 2024, Amazon Web Services (AWS) introduced a new cloud-based 3D Secure Authentication solution with improved security features and seamless connection with existing e-commerce platforms.

Similarly, in February 2024, Microsoft Azure announced an upgrade to its cloud-based authentication systems, which will include AI-driven analytics to increase fraud detection and security. These activities show the growing relevance of cloud-based deployment in the 3D Secure Authentication industry, as businesses want to utilize the benefits of cloud technology to improve their security architecture.

On-premises implementation is the second fastest growing market, since some enterprises, particularly those with severe security and regulatory compliance requirements, prefer to have direct control over their authentication systems and data.

Country/Region-wise

Will High Adoption of Advanced Security in North America Drive the 3D Secure Authentication Market?

The widespread implementation of enhanced security measures in North America is expected to fuel significant growth in the 3D secure authentication market. North America, notably the United States, is at the forefront of cybersecurity advances due to significant investments in technology and increased awareness of data security. As organizations and financial institutions struggle to fulfill demanding security standards, the use of 3D secure authentication technologies is becoming more common.

The United States government has issued new legislation aimed at improving cybersecurity across a variety of sectors. For instance, in April 2024, the Department of Homeland Security's Cybersecurity and Infrastructure Security Agency (CISA) issued updated guidelines, suggesting the use of advanced authentication technologies such as 3D Secure to tackle escalating cyber threats. This legislative drive is encouraging firms to invest in strong security systems in order to meet new standards and protect consumer data.

Furthermore, large North American corporations are increasingly implementing 3D Secure Authentication to improve transaction security. In May 2024, Visa announced a significant improvement to its 3D secure infrastructure, with the goal of improving fraud protection for online transactions. Similarly, Mastercard has implemented enhanced authentication technologies as part of its overall security strategy. These industry developments represent a rising realization of the necessity for sophisticated authentication methods in securing digital transactions, which is driving the growth of the 3D Secure Authentication market in North America.

Will Growing Awareness about Cyber Security Measures in Asia-Pacific Propel the 3D Secure Authentication Market?

Growing awareness of cybersecurity measures in Asia-Pacific is expected to considerably drive the 3D secure authentication market. As digital transformation spreads throughout the area, businesses and consumers alike are becoming more conscious of the necessity of secure online transactions. This increasing awareness creates a demand for improved authentication solutions to avoid fraud and protect sensitive information.

In July 2024, the Indian government unveiled a new cybersecurity policy that focuses on increasing online security measures, such as authentication processes. This program reflects a larger trend in the Asia-Pacific region, where countries are investing in cybersecurity infrastructure to combat escalating cyber threats. In addition, major financial institutions in China and Japan have reported using 3D Secure Authentication to improve transaction security in response to growing worries about online fraud and data breaches.

Furthermore, Asia-Pacific's rapid digitalization has led to an increase in e-commerce and digital payments, which is supporting the growth of the 3D Secure Authentication market. As more people do online transactions, the necessity for strong security measures grows. Companies such as Rakuten in Japan and Alibaba in China have recently implemented advanced 3D Secure Authentication technology to protect their platforms, underlining the expanding market opportunity and the vital importance of cybersecurity measures in sustaining consumer trust.

Competitive Landscape

The competitive landscape of the 3D secure authentication market is characterized by a mix of established firms and emerging startups offering innovative solutions. Companies in this market are focusing on integrating advanced technologies like artificial intelligence and machine learning to enhance authentication processes and reduce fraud. The market also sees significant investment in R&D to develop more secure and user-friendly authentication methods. Collaborations, partnerships, and acquisitions are common strategies used to expand market reach and improve technological capabilities. Additionally, regulatory compliance and certification play crucial roles in shaping the competitive dynamics of the market.

Some of the prominent players operating in the 3D secure authentication market include:

Visa

Mastercard

American Express

JCB

Discover

Latest Developments

In March 2024, American Express enhanced their 3D Secure authentication mechanism with AI-powered features. This improvement uses machine learning techniques to improve the accuracy of fraud detection, giving cardholders more security.

In May 2024, PayPal deployed 3D Secure 2.0 across its global payment networks to enhance security and user experience. This interface enables retailers to meet regulatory standards and reduce transaction fraud.

In February 2024, MasterCard announced a strategic relationship with Microsoft to integrate 3D Secure 2.0 authentication onto Azure cloud services. This alliance seeks to deliver scalable, safe, and efficient authentication processes to worldwide merchants and financial institutions.

3D Secure Authentication Market, By Category

• Type:
• Merchant Plug-In
• Issuer SDK
• Risk-Based Authentication
• Deployment Model:
• Cloud-Base
• On-Premises
• Region:
• North America
• Europe
• Asia-Pacific
• Latin America
• Middle East & Africa

TABLE OF CONTENTS

1. Introduction

• Market Definition
• Market Segmentation
• Research Methodology

2. Executive Summary

• Key Findings
• Market Overview
• Market Highlights

3. Market Overview

• Market Size and Growth Potential
• Market Trends
• Market Drivers
• Market Restraints
• Market Opportunities
• Porter's Five Forces Analysis

4. 3D Secure Authentication Market, By Type

• Merchant Plug-in
• Issuer SDK
• Risk-Based Authentication

5. 3D Secure Authentication Market, By Deployment Model

• Cloud-Based
• On-Premises

6. Regional Analysis

• North America
• United States
• Canada
• Mexico
• Europe
• United Kingdom
• Germany
• France
• Italy
• Asia-Pacific
• China
• Japan
• India
• Australia
• Latin America
• Brazil
• Argentina
• Chile
• Middle East and Africa
• South Africa
• Saudi Arabia
• UAE

7. Market Dynamics

• Market Drivers
• Market Restraints
• Market Opportunities
• Impact of COVID-19 on the Market

8. Competitive Landscape

• Key Players
• Market Share Analysis

9. Company Profiles

• Visa
• Mastercard
• American Express
• JCB
• Discover

10. Market Outlook and Opportunities

• Emerging Technologies
• Future Market Trends
• Investment Opportunities

11. Appendix

• List of Abbreviations
• Sources and References