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銀行和金融服務物聯網市場規模、佔有率和趨勢分析報告:2024-2030 年按組件、部署、解決方案、最終用途、地區和細分市場進行的預測IoT In Banking And Financial Services Market Size, Share & Trends Analysis Report By Component (Hardware, Software), By Deployment (On-premise, Cloud), By Solution, By End-use, By Region, And Segment Forecasts, 2024 - 2030 |
到 2023 年,全球銀行和金融服務物聯網市場規模預計為 575.5 億美元,2024 年至 2030 年複合年成長率預計為 11.9%。
物聯網技術的興起透過徹底改變客戶互動方式,日益影響銀行和金融服務的成長。物聯網設備提供對客戶行為和偏好的即時洞察,提供高度個人化和無縫的服務體驗。例如,支援物聯網的穿戴式設備可以通知客戶異常交易或申請支付時間表,從而改變傳統的服務模式。這種更個人化互動的趨勢將提高客戶滿意度,並推動銀行和金融服務物聯網市場的擴張。
此外,物聯網技術透過自動化和即時監控幫助金融機構更新業務並降低成本。物聯網感測器可以追蹤資產運作狀況、管理能源使用情況並最佳化分店業務。智慧型 ATM 和連網型安全系統等自動化流程減少了人工干預的需要,並提高了服務可靠性。此外,物聯網支援的資料分析為流程改進和資源分配提供了見解。這些效率的提高將為銀行和金融服務供應商帶來更低的成本和更高的盈利,從而推動市場成長。
物聯網提供先進的安全解決方案,保護金融機構及其客戶免受網路威脅和詐騙。連接攝影機和生物識別感測器等物聯網設備增強了銀行分店和 ATM 的實體安全。此外,支援物聯網的系統可以即時監控交易並偵測異常模式,為您提供潛在詐騙的即時警告。物聯網與人工智慧 (AI) 的整合將進一步增強預測分析和風險評估。改善安全措施可以建立客戶信任、保護金融資產並促進市場成長。
此外,物聯網設備的激增會產生大量資料,可以對這些數據進行分析以產生有價值的業務見解。金融機構可以使用物聯網資料來了解市場趨勢、客戶行為和業務績效。先進的分析工具處理這些資料,為策略決策提供可行的見解。例如,銀行可以識別盈利的客戶群、最佳化產品供應並預測市場變化。資料主導的策略使金融機構能夠保持競爭力並響應市場需求,推動市場成長。
此外,物聯網可以開發創新的金融產品和服務,以滿足不斷變化的客戶需求。例如,基於使用情況的保險利用汽車中的物聯網感測器根據駕駛行為提供個人化保費。支援物聯網的設備還可以促進新的付款方式,例如非接觸式付款和穿戴式支付,從而提高客戶的便利性。此外,物聯網支援創建智慧合約和基於區塊鏈的金融解決方案,以簡化交易並減少中介機構。這些創新吸引了精通技術的客戶,為金融機構創造了新的收益來源,並為市場成長做出了貢獻。
The global IoT in banking and financial services market size was estimated at USD 57.55 billion in 2023 and is expected to grow at a CAGR of 11.9% from 2024 to 2030. The rise of IoT technology is increasingly shaping the growth of banks and financial services by revolutionizing customer interactions. IoT devices provide real-time insights into customer behaviors and preferences, leading to highly personalized and seamless service experiences. For instance, IoT-enabled wearables notify customers about unusual transactions or upcoming bill payments, transforming traditional service models. This trend towards more tailored interactions boosts customer satisfaction and drives market expansion in IoT for banking and financial services.
Moreover, IoT technology helps financial institutions update operations and reduce costs through automation and real-time monitoring. IoT sensors can track asset conditions, manage energy usage, and optimize branch operations. Automated processes, such as smart ATMs and connected security systems, reduce the need for manual intervention and enhance service reliability. In addition, IoT-driven data analytics provides insights into process improvements and resource allocation. These efficiency gains translate into cost savings and higher profitability for banks and financial services providers, driving market growth.
The IoT offers advanced security solutions that protect financial institutions and their customers from cyber threats and fraud. IoT devices, such as connected cameras and biometric sensors, enhance physical security at bank branches and ATMs. Moreover, IoT-enabled systems can monitor transactions and detect unusual patterns in real time, triggering immediate alerts for potential fraud. Integrating IoT with artificial intelligence (AI) further enhances predictive analytics and risk assessment. Improved security measures build customer trust and safeguard financial assets, driving market growth.
Moreover, the increase in IoT devices generates vast amounts of data, which can be analyzed to gain valuable business insights. Financial institutions can use IoT data to understand market trends, customer behavior, and operational performance. Advanced analytics tools process this data to provide actionable insights for strategic decision-making. For instance, banks can identify profitable customer segments, optimize product offerings, and predict market shifts. Data-driven strategies enable financial institutions to stay competitive and responsive to market demands, fueling market growth.
Furthermore, IoT enables the development of innovative financial products and services that cater to evolving customer needs. For instance, usage-based insurance, powered by IoT sensors in vehicles, offers personalized premiums based on driving behavior. IoT-enabled devices can also facilitate new payment methods, such as contactless and wearable payments, enhancing customer convenience. In addition, IoT supports the creation of smart contracts and blockchain-based financial solutions, streamlining transactions and reducing intermediaries. These innovations attract tech-savvy customers and open new revenue streams for financial institutions, contributing to the market's growth.
Global IoT In Banking And Financial Services Market Report Segmentation
This report forecasts and estimates revenue growth at the global, regional, and country levels along with analyzes the latest market trends and opportunities in each one of the sub-segments from 2018 to 2030. For this study, Grand View Research has further segmented the global IoT in banking and financial services market report based on component, deployment, solution, end-use, and region: