市場調查報告書
商品編碼
1464714
3D 安全付款認證市場:按組件、付款方式、組織規模、產業分類 - 全球預測 2024-2030 年3D Secure Payment Authentication Market by Component (Access Control Server, Merchant Plug-in), Payment Methods (Credit Cards, Debit Cards, Digital Wallets), Organization Size, Vertical - Global Forecast 2024-2030 |
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預計2023年3D安全付款認證市場規模為13.5億美元,預計2024年將達15.2億美元,2030年將達31.1億美元,複合年成長率為12.55%。
3D(三域)安全支付認證,通常縮寫為3DS,是一種用於減少線上信用卡和簽帳金融卡交易中的詐欺並增強數位支付安全性的安全通訊協定。這種身份驗證是透過在交易獲得核准之前添加額外的檢驗層來實現的。當持卡人在支援 3DS 的網站上進行購買時,在輸入其卡片資訊後,他們通常會被重定向到發卡機構的 3DS 介面。持卡人必須透過輸入密碼、回覆文字訊息或使用生物識別來驗證自己的身分。 3D Secure 旨在透過驗證持卡人的身分來防止詐欺卡片使用並保護商家免受詐欺活動的侵害。 3D安全付款認證市場的成長主要是由於人們對線上交易安全性的日益關注而推動的。網路購物的興起以及隨之而來的對安全付款閘道的需求正在推動市場的顯著成長。然而,他們面臨技術複雜性和消費者摩擦等挑戰,因為額外的身份驗證步驟可能導致購物車放棄率增加。一些擔心實施成本和缺乏通用標準的商家抵制變革也是市場擴張的主要障礙。儘管存在這些阻礙因素,利用人工智慧等新技術仍提供了增強安全功能的機會。隨著政府繼續推動數位化,對安全可靠的線上付款解決方案的需求為擴大市場格局帶來了強勁的未來前景。
主要市場統計 | |
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基準年[2023] | 13.5億美元 |
預測年份 [2024] | 15.2億美元 |
預測年份 [2030] | 31.1億美元 |
複合年成長率(%) | 12.55% |
高度偏好存取控制伺服器,以最大程度地減少元件身份驗證過程中的摩擦
存取控制伺服器 (ACS) 是 3D 安全付款驗證框架中的關鍵元件。 ACS的主要功能是透過密碼、生物辨識、一次性密碼等多種認證方式,在網路交易時檢驗持卡人的身分。對 ACS 的需求源自於增強交易安全性和減少詐欺可能性的需求。商家插件 (MPI) 是 3D Secure 生態系統的另一個關鍵要素。 MPI 充當商家和 ACS 之間的介面。 MPI 的作用是收集消費者的卡片資訊並將其傳輸給 ACS 以開始身份驗證過程。對於商家而言,MPI 對於確保遵守付款網路要求並促進安全交易至關重要。
支付方式:數位錢包在年輕一代中越來越受歡迎
信用卡是一種流行的付款方式,允許消費者賒購並推遲付款。信用卡交易透過 3D 安全通訊協定進行身份驗證,並需要密碼或生物識別,從而提供額外的安全層。這種保護可以保護持卡人和發卡機構免受非法貿易的侵害。簽帳金融卡允許客戶直接從其銀行帳戶支付商品和服務費用。與信用卡一樣,簽帳金融卡使用 3D 安全身份驗證來驗證持卡人的身份並最大限度地降低非法貿易的風險。這種增強的身份驗證過程對於維護直接銀行付款的完整性至關重要。隨著行動和電子商務的興起,數位錢包已成為一種便捷的付款方式。用戶可以將他們的信用卡、金融卡甚至銀行帳戶連結到數位錢包平台。 3D 安全身份驗證還可以整合到數位錢包交易中,利用加密和標記化技術提供簡化且安全的付款流程。
組織規模:由於 3DS 的可擴展性和綜合功能,大型企業擴大採用 3DS
大型企業通常每天處理大量交易。需要強大、可擴展且安全的付款身份驗證系統來防止詐欺並確保客戶信任。這種規模的企業通常更喜歡提供高級功能的 3D Secure 解決方案,例如基於風險的身份驗證,可以智慧評估每筆交易的風險級別,並為用戶提供順暢的體驗。小型企業與大型企業有不同的需求。中小型企業傾向於重視易於實施和維護且具成本效益的 3DS 解決方案。由於中小型企業規模較大,因此更容易受到詐欺,因此安全的付款驗證系統非常重要。
按行業分類:旅遊和酒店業需要高吞吐量、易於使用的 3D 安全解決方案
對於金融機構來說,3D安全付款認證的要求對於維護交易完整性和客戶信任至關重要。銀行和付款服務供應商最關注的是實施此安全功能,以打擊詐欺並遵守歐洲 PSD2 等監管標準。金融機構優先考慮強大的安全功能來保護客戶資料並減少非法貿易的發生。這裡首選與高級安全通訊協定整合的無縫用戶體驗。醫療保健產業需要 3D 安全付款認證來保護病患資料並確保各種醫療服務和產品(包括藥品)交易的機密性。在零售業,3D 安全付款認證被用來提高線上交易的安全性和消費者信任度,這對於電子商務平台至關重要。零售企業需要在嚴格的安全性和簡化的結帳流程之間取得平衡,以最大限度地減少購物車廢棄率,同時防止詐欺。旅遊和酒店業經常購買高價商品,例如機票和酒店預訂,因此使用 3D Secure 身份驗證來防止詐欺預訂和扣回爭議帳款。旅遊和餐旅服務業公司正在優先考慮 3D 安全解決方案,這些解決方案可以處理大批量、高價值的交易,同時確保客戶在預訂過程中的便利性。
區域洞察
美洲尤其是北美地區的3D安全付款認證市場呈現穩定成長態勢。這一成長是由嚴格的監管標準和數位付款的高普及推動的。由於線上交易的顯著增加和安全付款意識的增強,美國和加拿大是這一成長的主要貢獻者。此外,該地區擁有大量跨國公司,正在推動 3D 安全付款領域的創新和進步。在 EMEA(歐洲、中東和非洲)地區,歐洲脫穎而出,因為在第二付款服務指令 (PSD2) 的監管支持以及消費者對交易安全的濃厚興趣的支持下,歐洲在 3D 安全付款認證技術方面取得了重大進展。中東和非洲正在經歷穩定的成長,部分原因是銀行業的數位轉型以及熱衷於採用安全付款方式來建立消費者信任的電子商務平台的崛起。亞太地區3D安全付款認證市場正快速成長。促成這一成長的因素包括智慧型手機普及的提高、電子商務產業的蓬勃發展以及政府對無現金社會的舉措,特別是在中國、印度和澳洲。
FPNV定位矩陣
FPNV定位矩陣對於評估3D安全付款認證市場至關重要。我們檢視與業務策略和產品滿意度相關的關鍵指標,以對供應商進行全面評估。這種深入的分析使用戶能夠根據自己的要求做出明智的決策。根據評估,供應商被分為四個成功程度不同的像限:前沿(F)、探路者(P)、利基(N)和重要(V)。
市場佔有率分析
市場佔有率分析是一個綜合工具,可以對 3D 安全付款認證市場中供應商的現狀進行深入而詳細的研究。全面比較和分析供應商在整體收益、基本客群和其他關鍵指標方面的貢獻,以便更好地了解公司的績效及其在爭奪市場佔有率時面臨的挑戰。此外,該分析還提供了對該行業競爭特徵的寶貴見解,包括在研究基準年觀察到的累積、分散主導地位和合併特徵等因素。詳細程度的提高使供應商能夠做出更明智的決策並制定有效的策略,從而在市場上獲得競爭優勢。
1. 市場滲透率:提供有關主要企業所服務的市場的全面資訊。
2. 市場開拓:我們深入研究利潤豐厚的新興市場,並分析其在成熟細分市場的滲透率。
3. 市場多元化:提供有關新產品發布、開拓地區、最新發展和投資的詳細資訊。
4. 競爭評估和情報:對主要企業的市場佔有率、策略、產品、認證、監管狀況、專利狀況和製造能力進行全面評估。
5. 產品開發與創新:提供對未來技術、研發活動和突破性產品開發的見解。
1.3D安全付款認證市場的市場規模與預測為何?
2.在3D安全付款認證市場的預測期間內,有哪些產品、細分市場、應用程式和領域需要考慮投資?
3.3D安全付款認證市場的技術趨勢和法規結構是什麼?
4.3D安全付款認證市場主要廠商的市場佔有率是多少?
5.進入3D安全付款認證市場的合適型態和策略手段是什麼?
[199 Pages Report] The 3D Secure Payment Authentication Market size was estimated at USD 1.35 billion in 2023 and expected to reach USD 1.52 billion in 2024, at a CAGR 12.55% to reach USD 3.11 billion by 2030.
3D (Three Domain) secure payment authentication, often abbreviated as 3DS, refers to a security protocol used to reduce fraud in online credit and debit card transactions and enhance the security of digital payments. This authentication is achieved by adding an additional layer of verification before a transaction is approved. When a cardholder makes a purchase on a site that supports 3DS, after they enter their card information, they are usually redirected to their card issuer's 3DS interface. They must verify their identity, often by entering a password, responding to a text message, or using biometric recognition. 3D secure aims to prevent the unauthorized use of cards and protect the merchant from exposure to fraud by verifying the cardholder's identity. The growth of the 3D secure payment authentication market is primarily driven by the escalating concern for security in online transactions. The rise in online shopping and the subsequent need for secure payment gateways are significant growth catalysts for the market. However, the market faces challenges, including technical complexities and possible consumer friction due to additional authentication steps that might lead to an increased rate of cart abandonment. Resistance to change among some merchants, who may be concerned about the implementation costs and lack of universal standards, also poses significant obstacles to market expansion. Despite the restraining factors, leveraging emerging technologies, including artificial intelligence, provides opportunities for enhanced security features. With ongoing digitalization efforts by governments, the demand for secure and reliable online payment solutions presents a strong future landscape for the expansion of the 3D secure payment authentication market.
KEY MARKET STATISTICS | |
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Base Year [2023] | USD 1.35 billion |
Estimated Year [2024] | USD 1.52 billion |
Forecast Year [2030] | USD 3.11 billion |
CAGR (%) | 12.55% |
Component: High preferences for access control server to minimize friction during the authentication process
The access control server (ACS) is a vital component within the 3D secure payment authentication framework. Its primary function is to validate the cardholder's identity during an online transaction through various authentication methods, which can include passwords, biometrics, or one-time codes. The need for an ACS arises from the imperative to enhance transaction security and reduce the likelihood of fraudulent activity. The merchant plug-in (MPI) is another critical element of the 3D secure ecosystem. It acts as an interface between the merchant and the ACS. The MPI's role is to initiate the authentication process by gathering card details from the shopper and forwarding them to the ACS. For merchants, the MPI is essential for ensuring compliance with payment networks' requirements and facilitating secure transactions.
Payment Methods: Rising popularity of digital wallets among younger generation
A popular payment method, credit cards offer consumers the ability to make purchases on credit, deferring payment to a later date. Credit card transactions are authenticated through 3D secure protocols, providing an additional layer of security by requiring a password or biometric authentication. This safeguard protects both the cardholder and the issuer from fraudulent transactions. Debit cards allow customers to pay for goods and services directly from their bank accounts. Similar to credit cards, debit cards can utilize 3D secure authentication to verify the cardholder's identity and minimize the risk of unauthorized transactions. This enhanced verification process is crucial for maintaining the integrity of direct bank payments. With the rise of mobile and electronic commerce, digital wallets have emerged as a convenient form of payment. Users can link their credit, debit, or even bank accounts to a digital wallet platform. 3D secure authentication can also be integrated with digital wallet transactions, offering a streamlined yet secure payment process that leverages encryption and tokenization technologies.
Organization Size: Growing adoption of 3DS in large scale enterprises with scalability and comprehensive features
Large scale enterprises typically handle a significant volume of transactions on a daily basis. They require robust, scalable, and secure payment authentication systems to protect against fraud and ensure customer trust. Enterprises of this scale often prefer 3D secure solutions that offer advanced features such as risk-based authentication, which can intelligently assess the risk level of each transaction and provide a frictionless experience for users. Small & medium enterprises (SMEs) have different needs compared to large scale enterprises. They tend to focus on cost-effective 3DS solutions that are straightforward to implement and maintain. Given their size, SMEs may be susceptible to the impacts of fraud, so a secure payment authentication system is critical.
Vertical: Need for high throughput and user-friendly 3D secure solutions in the travel and hospitality industry
For financial institutions, the requirement for 3D secure payment authentication is paramount to maintain the integrity of transactions and customer trust. Banks and payment service providers are foremost in implementing this security feature to combat fraud and comply with regulatory standards such as PSD2 in Europe. Financial institutions prioritize robust security features to protect customer data and reduce the incidence of fraudulent transactions. The preference here is for a seamless user experience integrated with high-level security protocols. The healthcare industry requires 3D secure payment authentication to protect patient data and ensure the confidentiality of transactions made for various health services and products, including pharmaceuticals. The retail sector utilizes 3D secure payment authentication to secure online transactions and bolster consumer confidence, which is essential for e-commerce platforms. Retailers require a balance between stringent security and streamlined checkout processes to minimize cart abandonment while safeguarding against fraud. The travel and hospitality industry leverages 3D secure authentication to prevent fraudulent bookings and chargebacks owing to the high-value nature of purchases, including airfare and hotel reservations. Businesses in travel and hospitality prioritize 3D secure solutions that can handle high volume and high-value transactions while also ensuring customer convenience during the booking process.
Regional Insights
The market for 3D secure payment authentication in the Americas, particularly in North America, has shown robust growth. This development is attributed to stringent regulatory standards and a high rate of digital payment adoption. The United States and Canada are contributing majorly to this growth, driven by a substantial increase in online transactions and heightened awareness regarding secure payments. Additionally, the strong presence of global players in this region fosters innovation and advances in the 3D secure payment space. In the EMEA region, Europe stands out with significant advancements in 3D secure payment authentication technologies, backed by the regulatory push from the second payment services directive (PSD2) and strong consumer emphasis on transaction security. In the Middle East and Africa, the growth is steady, aided by the digital transformation in the banking sector and the increased emergence of e-commerce platforms keen on adopting secure payment methods to build consumer trust. The Asia-Pacific is experiencing rapid growth in the market for 3D secure payment authentication. Factors contributing to this growth include rising smartphone penetration, a burgeoning e-commerce industry, and governmental initiatives towards cashless societies, particularly in China, India, and Australia.
FPNV Positioning Matrix
The FPNV Positioning Matrix is pivotal in evaluating the 3D Secure Payment Authentication Market. It offers a comprehensive assessment of vendors, examining key metrics related to Business Strategy and Product Satisfaction. This in-depth analysis empowers users to make well-informed decisions aligned with their requirements. Based on the evaluation, the vendors are then categorized into four distinct quadrants representing varying levels of success: Forefront (F), Pathfinder (P), Niche (N), or Vital (V).
Market Share Analysis
The Market Share Analysis is a comprehensive tool that provides an insightful and in-depth examination of the current state of vendors in the 3D Secure Payment Authentication Market. By meticulously comparing and analyzing vendor contributions in terms of overall revenue, customer base, and other key metrics, we can offer companies a greater understanding of their performance and the challenges they face when competing for market share. Additionally, this analysis provides valuable insights into the competitive nature of the sector, including factors such as accumulation, fragmentation dominance, and amalgamation traits observed over the base year period studied. With this expanded level of detail, vendors can make more informed decisions and devise effective strategies to gain a competitive edge in the market.
Key Company Profiles
The report delves into recent significant developments in the 3D Secure Payment Authentication Market, highlighting leading vendors and their innovative profiles. These include American Express Company, AsiaPay Limited, Asseco Group, Bluefin Payment Systems LLC, Braintree by PayPal Holdings, Inc., Broadcom Inc., Cardknox Development, Inc. by Fidelity Payment Services, Checkout.com Group, DECTA Limited, Discover Financial Services, Entersekt Proprietary Limited, Fiserv, Inc., GPayments Pty Ltd. by Neurocom Pty Ltd., HDFC Bank Limited, IZealiant Technologies Private Limited by Razorpay Software Private Limited, JCB Co., Ltd., Mastercard Inc., mSIGNIA, Netcetera AG, Oracle Corporation, Pay.com Group, PayU by Rapyd Financial Network Ltd., Ravelin Technology Ltd., RS Software, RSA Security LLC, Shift4 Payments, LLC, Stripe, Inc., UL LLC, and Visa Inc..
Market Segmentation & Coverage
1. Market Penetration: It presents comprehensive information on the market provided by key players.
2. Market Development: It delves deep into lucrative emerging markets and analyzes the penetration across mature market segments.
3. Market Diversification: It provides detailed information on new product launches, untapped geographic regions, recent developments, and investments.
4. Competitive Assessment & Intelligence: It conducts an exhaustive assessment of market shares, strategies, products, certifications, regulatory approvals, patent landscape, and manufacturing capabilities of the leading players.
5. Product Development & Innovation: It offers intelligent insights on future technologies, R&D activities, and breakthrough product developments.
1. What is the market size and forecast of the 3D Secure Payment Authentication Market?
2. Which products, segments, applications, and areas should one consider investing in over the forecast period in the 3D Secure Payment Authentication Market?
3. What are the technology trends and regulatory frameworks in the 3D Secure Payment Authentication Market?
4. What is the market share of the leading vendors in the 3D Secure Payment Authentication Market?
5. Which modes and strategic moves are suitable for entering the 3D Secure Payment Authentication Market?