全球代币化市场（按最终用户、组织规模、应用程式、区域范围和预测）

代币化市场规模及预测

预计 2024 年代币化市场规模将达到 30.5 亿美元，2031 年将达到 155.7 亿美元，2024 年至 2031 年的复合年增长率为 22.57%。

标记化是一种资料安全过程，它用唯一识别码或令牌替换敏感讯息，从而确保关键资料的安全，而不会将其暴露给未授权存取。

这可确保信用卡号、个人识别资讯和财务资讯等敏感资料受到保护，且如果被恶意行为者截获则无法使用。

标记化的主要用途之一是在金融领域，确保线上交易、支付和无携带式交易的安全性并降低诈欺风险。

标记化还可用于资料隐私管理，允许企业安全地储存敏感资讯，同时保持符合 GDPR 和 PCI DSS 等资料保护条例。

在电子商务和零售业，标记化对于保护客户资讯、防止资料外洩和增加消费者信任至关重要。

标记化可确保在云端环境中储存或处理的敏感资讯免受潜在洩漏和未授权存取，从而有助于实现云端安全。

部署有效的标记化解决方案需要仔细规划，以最大限度地减少营运中断，同时保持强有力的安全措施以遵守严格的监管要求。

全球代币化市场动态

影响全球代币化市场的主要市场动态是：

关键市场驱动因素

资料安全问题日益严重：资料外洩和网路攻击的频率不断增加，增加了对更强大的资料保护解决方案的需求，从而推动了对标记化的需求。

严格的法规合规性：GDPR、PCI DSS 和 HIPAA 等全球法规要求企业保护敏感数据，加速采用标记化以满足合规性标准。

数位支付的成长：电子商务和数位支付系统的扩张增加了对安全交易流程的需求。标记化提供了保护支付资料的解决方案。

越来越多地使用云端服务：随着向云端环境的转变不断进行，标记化对于确保云端基础的应用程式和储存的资料安全至关重要。

预防诈欺：标记化透过防止敏感资料外洩来防止支付诈骗和身分盗窃，从而推动零售、金融和医疗保健等领域的采用。

行动支付的兴起：行动付款管道和应用程式的激增推动了对标记化的需求，以实现安全的行动交易。

主要挑战

整合复杂性：将标记化系统部署到现有基础架构中可能很复杂，特别是对于拥有多样化技术的大型组织而言，这会导致更长的部署时间和更高的成本。

效能影响：由于产生、储存和搜寻令牌所需的额外步骤，令牌化可能会降低系统效能。

实施成本：实施标记化的初始成本（包括软体、硬体和持续维护）可能很高，这对预算有限的中小型企业构成了挑战。

数据恢復和存取：由于标记化用令牌替换了敏感数据，因此在紧急情况下很难安全及时地恢復或存取原始数据，需要强大的管理系统。

遵守全球标准：确保标记化解决方案符合国际资料安全法规可能很困难，因为标准因地区和产业而异。

缺乏意识和专业知识：对标记化益处的认识不足以及缺乏熟悉标记化技术的专家正在阻碍市场成长。

主要趋势

云端基础的标记化采用率不断上升：随着企业转向云端基础设施，云端基础的标记化解决方案变得越来越流行，因为它们具有扩充性、灵活性以及与现有系统的轻鬆整合。

关注资料隐私和合规性：随着对资料外洩的担忧日益加剧以及 GDPR 和 CCPA 等全球法规的收紧，越来越多的企业采用标记化来增强资料安全性并确保合规性。

电子商务和数位支付的兴起：随着数位交易，尤其是电子商务和行动支付在全球范围内的扩张，标记化被广泛用于保护敏感的支付资讯并降低诈欺风险。

与区块链技术的整合：区块链领域正在探索代币化，以将房地产、股票、数位商品等资产代币化，并以安全透明的方式管理所有权和交易。

标记化即服务 (TaaS) 的成长：许多企业选择提供标记化解决方案即服务的 TaaS 服务，让企业无需建置基础设施即可实施安全措施。

专注于即时标记化：随着对更快、即时交易的需求不断增长，提供标记化的解决方案越来越受欢迎，尤其是在金融领域。

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
• 市场概况
• 市集亮点

第三章 市场概况

• 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

4. 全球代币化市场（以最终用户划分）

• 银行、金融服务和保险（BFSI）
• 零售与电子商务
• 医疗保健和生命科学

5. 全球代币化市场（依组织规模）

• 中小企业
• 大公司

6. 全球代币化市场（按应用）

• 支付标记化
• 合规性标记化
• 安全资料储存的标记化

第七章区域分析

• 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

第八章市场动态

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

第九章 竞争态势

• 主要企业
• 市占率分析

第十章：公司简介

• Thales e-Security, Inc.
• Gemalto NV
• Symantec Corporation
• Fiserv, Inc.
• 3Delta Systems, Inc.
• Hewlett Packard Enterprise Development LP
• CipherCloud
• TokenEx, LLC
• Futurex
• First Data Corporation

第十一章 市场展望与机会

• 新兴技术
• 未来市场趋势
• 投资机会

第十二章 附录

• 简称列表
• 来源和参考文献

Tokenization Market Size And Forecast

The Tokenization Market size was valued at USD 3.05 Billion in 2024 and is projected to reach USD 15.57 Billion by 2031, growing at a CAGR of 22.57% from 2024 to 2031.

Tokenization is a data security process that involves replacing sensitive information with unique identification symbols or tokens, retaining essential data without exposing it to unauthorized access.

It ensures that sensitive data such as credit card numbers, personal identification information, or financial details are protected, making it unusable if intercepted by malicious actors.

One of the primary applications of tokenization is in the financial sector, where it helps secure online transactions, payments, and card-not-present transactions, reducing the risk of fraud.

Tokenization is also used in data privacy management, allowing businesses to store sensitive information securely while maintaining compliance with data protection regulations like GDPR and PCI DSS.

In the e-commerce and retail industries, tokenization is crucial in protecting customer information, preventing data breaches, and improving consumer trust.

Tokenization aids in cloud security by ensuring that sensitive information stored or processed in cloud environments is protected from potential breaches or unauthorized access.

Implementing efficient tokenization solutions requires careful planning to ensure minimal disruption to operations while maintaining robust security measures to comply with stringent regulatory requirements.

Global Tokenization Market Dynamics

The key market dynamics that are shaping the global tokenization Market include:

Key Market Drivers

Rising Data Security Concerns: The increasing frequency of data breaches and cyber-attacks has heightened the need for enhanced data protection solutions, driving the demand for tokenization.

Stringent Regulatory Compliance: Global regulations like GDPR, PCI DSS, and HIPAA require organizations to safeguard sensitive data, fueling the adoption of tokenization to meet compliance standards.

Growth in Digital Payments: The expansion of e-commerce and digital payment systems increases the need for secure transaction processes, with tokenization offering a solution to protect payment data.

Increased Use of Cloud Services: As more businesses migrate to cloud environments, tokenization becomes essential for ensuring data security in cloud-based applications and storage.

Fraud Prevention: Tokenization helps prevent payment fraud and identity theft by ensuring that sensitive data is never exposed, boosting its adoption across sectors like retail, finance, and healthcare.

Adoption of Mobile Payments: The growing popularity of mobile payment platforms and apps is accelerating the demand for tokenization to ensure secure mobile transactions.

Key Challenges

Integration Complexity: Implementing tokenization systems with existing infrastructure can be complex, particularly for large organizations with diverse technologies, leading to longer deployment times and higher costs.

Performance Impact: Tokenization can sometimes slow down system performance due to the additional steps required for token generation, storage, and retrieval, which may affect real-time applications.

Cost of Implementation: The initial cost of adopting tokenization, including software, hardware, and ongoing maintenance, can be high, posing a challenge for smaller businesses with limited budgets.

Data Recovery and Access: Since tokenization replaces sensitive data with tokens, recovering or accessing the original data in a secure and timely manner during emergencies can be a challenge, requiring robust management systems.

Compliance with Global Standards: Ensuring that tokenization solutions comply with various international data security regulations can be difficult, as standards vary by region and industry, adding complexity to the implementation.

Limited Awareness and Expertise: Lack of awareness about the benefits of tokenization and a shortage of skilled professionals with expertise in tokenization technology hinder market growth.

Key Trends

Increased Adoption of Cloud-based Tokenization: Cloud-based tokenization solutions are becoming more popular as organizations shift to cloud infrastructures, offering scalability, flexibility, and easier integration with existing systems.

Focus on Data Privacy and Compliance: With growing concerns about data breaches and stricter global regulations such as GDPR and CCPA, companies are increasingly adopting tokenization to enhance data security and ensure compliance with these laws.

Expansion in E-commerce and Digital Payments: As digital transactions rise globally, particularly in e-commerce and mobile payments, tokenization is being widely used to secure sensitive payment information, reducing the risk of fraud.

Integration with Blockchain Technology: Tokenization is being explored in the blockchain domain to tokenize assets like real estate, stocks, and digital goods, providing a secure and transparent way to manage ownership and transactions.

Growth in Tokenization-as-a-Service (TaaS): Many organizations are opting for TaaS offerings, which provide tokenization solutions as a service, allowing businesses to implement security measures without building their infrastructure.

Focus on Real-time Tokenization: As demand for faster and real-time transactions increases, solutions offering real-time tokenization are gaining traction, particularly in the financial sector.

Global Tokenization Market Regional Analysis

Here is a more detailed regional analysis of the global tokenization Market:

North America:

North America is significantly dominating the Global Tokenization Market and is expected to maintain its lead throughout the forecast period.

Countries like the United States and Canada have seen significant growth in the adoption of tokenization solutions, particularly within industries such as banking, financial services, and retail.

A major driver for the tokenization market in North America is the increasing emphasis on data security and privacy, especially in the face of growing data breaches and cyberattacks.

Regulatory mandates, such as the Payment Card Industry Data Security Standard (PCI-DSS) and other privacy regulations, compel businesses to adopt secure data storage and transaction solutions.

Tokenization helps businesses comply with these regulations by replacing sensitive data with tokens that cannot be decrypted outside of secure systems, thus enhancing security and reducing the risk of fraud.

The growth of eCommerce, mobile payments, and cloud-based services in North America has further accelerated the need for tokenization technologies.

Financial institutions and businesses in the region are leveraging tokenization to protect cardholder information during digital transactions, improving customer trust and overall transaction security.

The rise of contactless payments, digital wallets, and the expansion of eCommerce platforms are creating new opportunities for tokenization adoption.

Asia Pacific:

The Asia-Pacific region is expected to witness substantial growth in the Global Tokenization Market during the forecast period, driven by increasing digitization, rapid adoption of digital payment systems, and growing concerns over data security and fraud prevention.

Countries like China, India, Japan, and South Korea are at the forefront of technological advancements, and their increasing focus on securing online transactions has spurred demand for tokenization solutions.

In particular, the banking and financial services sector in the Asia-Pacific is a major adopter of tokenization technology, utilizing it to secure payment transactions and comply with stringent regulatory requirements around data privacy.

The rise of mobile wallets, digital banking, and eCommerce platforms has further accelerated the need for secure and efficient tokenization methods to protect sensitive payment data from breaches and fraud.

Governments across the region are enforcing stricter regulations on data privacy and protection, such as India's Personal Data Protection Bill and other region-specific policies.

These initiatives are pushing organizations to adopt tokenization for compliance management and secure data storage.

The expanding digital economy in developing markets, along with the increasing adoption of cloud computing and blockchain technologies, is creating new opportunities for tokenization solutions across various sectors, including retail, healthcare, and insurance.

As the region continues to embrace digital transformation, the need for advanced data security solutions like tokenization is expected to grow, positioning Asia-Pacific as a key contributor to the global tokenization market expansion.

Global Tokenization Market: Segmentation Analysis

The Global Tokenization Market is segmented based on End User, Organization Size, Application, And Geography.

Tokenization Market, By End User

Banking

Financial Services and Insurance (BFSI)

Retail and eCommerce

Healthcare and Life Sciences

Based on the End User, the Global Tokenization Market is segmented into Banking, Financial Services and Insurance (BFSI), Retail and e-commerce, and Healthcare and Life Sciences. The BFSI segment is leading the Global Tokenization Market, as financial institutions face a growing demand for secure transaction processing and compliance with stringent data protection regulations. The rise of digital payments and mobile banking has further amplified the need for tokenization to safeguard sensitive customer information, making it a critical tool in reducing fraud and preventing data breaches in this sector.

Tokenization Market, By Organization Size

Small and medium-sized businesses (SMEs)

Large Enterprises

Based on Organization Size, the Global Tokenization Market is segmented into Small and Medium-Sized Businesses (SMEs) and Large Enterprises. Large enterprises dominate the Global Tokenization Market owing to their vast transaction volumes and the heightened need for securing sensitive data, especially in sectors such as finance, healthcare, and retail. These organizations are more likely to adopt comprehensive tokenization solutions to meet stringent regulatory requirements and minimize the risk of data breaches.

Tokenization Market, By Application

Payment Tokenization

Tokenization for Compliance

Tokenization for Secure Data Storage

Based on Application, the Global Tokenization Market is segmented into Payment Tokenization, Tokenization for Compliance, and Tokenization for Secure Data Storage. Payment Tokenization is the leading segment of the global Tokenization Market driven by the surge in digital payments and the growing demand for secure payment transactions. It involves replacing sensitive card details with a unique token during online transactions, significantly reducing the risk of fraud and ensuring safe payment processing. The rise of eCommerce and mobile payment platforms has amplified the need for robust tokenization solutions, making this segment a critical area of growth.

Tokenization Market, By Geography

North America

Europe

Asia Pacific

Rest of the world

Based on Geography, the Global Tokenization Market is segmented into North America, Europe, Asia Pacific, and the Rest of the World. North America dominates the tokenization Global Tokenization Market owing to the region's advanced technological infrastructure, strong regulatory environment, and widespread adoption of digital payment systems. The presence of leading market players, coupled with the high demand for data security solutions, contributes to the growth in this region. Strict regulations like the Payment Card Industry Data Security Standard (PCI-DSS) and increasing concerns over data breaches drive the adoption of tokenization in industries such as banking, healthcare, and retail.

Key Players

The "Global Tokenization Market" study report provides valuable insight with an emphasis on the global market. The major players in the market are Visa, Inc., MasterCard, Inc., Fiserv, Inc., Micro Focus International plc, American Express Company, and Thales Group.

Our market analysis also entails a section solely dedicated to such major players wherein our analysts provide an insight into the financial statements of all the major players, along with product benchmarking and SWOT analysis. The competitive landscape section also includes key development strategies, market share, and market ranking analysis of the above-mentioned players globally.

Tokenization Market Key Developments

• In January 2024, the BIS Innovation Hub initiated a tokenization effort to promote CBDC research on payment privacy. The BIS Innovation Hub had planned to start a blockchain-based tokenization initiative and build a privacy testing program for central banks.
• In December 2023, Akemona, Inc., an asset tokenization platform and funding gateway, announced partnerships with additional issuers to provide worldwide equity tokens on its platform. Akemona, Inc., a U.S. Securities and Exchange Commission (SEC)-registered company, had provided asset tokenization services to enterprises and financial institutions worldwide.

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. Global Tokenization Market, By End-user

• Banking, Financial Services, and Insurance (BFSI)
• Retail and eCommerce
• Healthcare and Life Sciences

5. Global Tokenization Market, By Organization Size

• Small and medium-sized businesses (SMEs)
• Large Enterprises

6. Global Tokenization Market, By Application

• Payment Tokenization
• Tokenization for Compliance
• Tokenization for Secure Data Storage

7. 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

8. Market Dynamics

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

9. Competitive Landscape

• Key Players
• Market Share Analysis

10. Company Profiles

• Thales e-Security, Inc.
• Gemalto NV
• Symantec Corporation
• Fiserv, Inc.
• 3Delta Systems, Inc.
• Hewlett Packard Enterprise Development LP
• CipherCloud
• TokenEx, LLC
• Futurex
• First Data Corporation

11. Market Outlook and Opportunities

• Emerging Technologies
• Future Market Trends
• Investment Opportunities

12. Appendix

• List of Abbreviations
• Sources and References