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1425134

交易監控市場 – 2024 年至 2029 年預測

Transaction Monitoring Market - Forecasts from 2024 to 2029

出版日期: 2024年01月30日 | 出版商:

Knowledge Sourcing Intelligence | 英文 145 Pages | 商品交期: 最快1-2個工作天內

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簡介目錄

預計交易監控市場在預測期內將以 14.23% 的複合年成長率成長。

在動態的金融領域，交易監控已成為金融健康的基石。它意味著對金融交易進行持續、即時的審查，以發現和防止詐欺，包括恐怖主義資金籌措、洗錢和其他詐欺金融活動。透過密切監控交易，銀行和信用卡公司等金融機構可以有效識別和防止詐欺活動，遵守洗錢防制法規，並阻止帳戶接管企圖。交易監控的核心是專用的軟體，該軟體經過精心設計，用於分析交易、標記可疑活動並提醒指定負責人進行進一步調查。交易監控利用複雜的分析工具和技術來發現交易資料中的模式和異常，從而有效打擊不斷發展的詐騙技術。

交易監控採用基於風險的方法，根據每個客戶的相關風險狀況調整其交易的審查等級。隨著科技進步重塑金融業，交易監控變得更加重要。交易監控系統的日益複雜性和適應性使金融機構處於制定強力的反洗錢策略以打擊不斷發展的詐騙技術的最前沿。交易監控已經超越了預定義規則和特徵的限制，發展成為現代、複雜的技術，可以有效地適應不斷變化的詐欺性質。交易監控是保護金融交易的完整性和安全性、防止財務損失並增強客戶信心的重要工具。

介紹

形勢是一個快速發展的領域，為金融機構和企業提供各種解決方案和服務來監控和審查交易，以防止潛在的詐騙、洗錢和其他金融犯罪。Masu。該市場受到多種因素的推動，包括交易數位化的快速成長、嚴格遵守法規以及對強大且易於使用的交易監控解決方案的需求不斷成長。數位技術和線上付款方式的普及正在推動金融領域對交易監控解決方案的需求。即時監控和分析交易的能力使金融機構能夠快速檢測和防止詐欺活動，保護客戶和機構免受財務損失。

世界各地的金融監管機構正在強制執行交易監控，這增加了跨行業和地理對交易監控解決方案和服務的需求。這些監管任務凸顯了交易監控在打擊金融犯罪和保護金融體系完整性的重要性。在動態數位時代，數位交易管理已成為廣泛採用的軟體解決方案。雲端基礎的軟體解決方案擴大用於數位化監控和管理客戶交易流程，包括轉帳、存款和提款。這些解決方案具有擴充性、可近性和成本效益，使其成為各種規模的金融機構和企業的有吸引力的選擇。隨著技術的發展，交易監控市場正經歷重大變革。更複雜、更具適應性的解決方案的出現有望滿足金融機構和企業不斷變化的需求，並持續保護金融生態系統免受詐騙和金融犯罪的侵害。

促進因素

數位化程度不斷提高：數位科技和線上付款方式的快速普及增加了金融領域對交易監控解決方案的需求。隨著越來越多的交易發生在網路上，監控和分析這些交易的需求變得更加重要。
監管合規性：世界各地的金融監管機構已將交易監控作為一項法律要求，推動了跨行業和地區對交易監控解決方案和服務的需求。遵守反洗錢（AML）法規和其他金融法規對於金融機構至關重要，而交易監控在確保合規性方面發揮關鍵作用。
技術進步：先進分析工具和技術的發展使金融機構能夠更有效地識別交易資料中的模式和異常情況。這導致了複雜的交易監控解決方案的採用，這些解決方案可以適應不斷發展的詐騙技術並提高交易監控過程的整體效率。
電子商務交易規模的擴大：電子商務的爆炸性普及進一步增加了對確保交易安全、便利的交易監控解決方案的需求。隨著越來越多的人進行線上交易，詐騙和洗錢的風險也在增加，這使得交易監控成為金融機構保護客戶和維護服務完整性的重要工具。
市場競爭激烈：交易監控市場競爭激烈，主要參與者採取新產品推出、業務擴張、併購等各種策略來塑造競爭市場。這種競爭正在推動先進交易監控解決方案的開發和實施，進一步加速市場成長。

主要企業提供的產品

NICE 提供可疑活動監控 (SAM)，這是反洗錢 (AML) 計畫的關鍵組成部分。
Oracle的解決方案利用進階分析、機器學習和人工智慧來識別交易資料中可能表明可疑活動的異常情況和模式。透過自動化和簡化事務監控流程， Oracle解決方案可協助組織降低營運成本並提高效率。

交易監控市場反洗錢領域顯著成長：

由於多種因素的綜合作用，交易監控市場的反洗錢 (AML) 部分正在不斷成長。數位付款的快速普及放大了對強大交易監控和詐欺檢測的需求，從而刺激了對反洗錢解決方案的需求。這些解決方案使金融機構能夠識別和調查偏離典型帳戶持有人行為的可疑交易，有效降低詐騙和金融犯罪的風險。金融交易的全球化將進一步促進反洗錢市場的發展。隨著企業跨境，追蹤和監控金融交易的複雜性不斷增加，因此反洗錢解決方案變得至關重要。此外，數位貨幣的普及給反洗錢合規帶來了新的挑戰。數位貨幣的分散性和不可追蹤性使得非法貿易的監控和偵測變得複雜。

監理合規將進一步推動反洗錢市場的發展。隨著世界各地的金融監管機構強制執行反洗錢合規性，各行業和地區對反洗錢解決方案和服務的需求不斷增加。反洗錢市場競爭激烈，主要企業正在採取各種策略來保持競爭力，包括新產品推出、業務擴張、併購和收購。在合規性、風險管理和競爭優勢的持續需求的推動下，反洗錢市場預計將持續成長。

預計亞太地區將在交易監控市場中佔據主要佔有率：

北美地區預計將保持其在交易監控市場的主導地位。美國以及北美其他地區目前佔據全球電子商務交易的大部分，推動了對強大交易監控系統的需求。洗錢防制(AML) 法規增加了對交易監控作為關鍵工具的依賴，使其成為金融機構的重要組成部分。交易數位化的不斷發展以及對安全和方便用戶使用的交易監控解決方案的需求不斷增加，進一步推動了北美交易監控市場的擴張。該地區主要銀行系統的存在以及數位技術的廣泛採用也是推動北美交易監控市場成長的因素。總之，北美地區預計將在塑造交易監控市場的未來方面發揮關鍵作用。

市場開拓：

2022 年 11 月，NetGuardians 擴展了 NG|Screener 平台，將洗錢交易監控涵蓋其中。
2022 年 10 月，SAS Institute Inc. 與 Neterium 和 Orange Bank 合作，在雲端進行即時制裁篩檢。相反，整合的人工智慧和尖端篩檢技術提高了檢測的有效性，並使分析師能夠全面即時了解 AML 風險。

In the dynamic realm of finance, transaction monitoring stands as a cornerstone of safeguarding financial integrity. It entails the continuous, real-time scrutiny of financial transactions to detect and thwart fraudulent activities, encompassing terrorist financing, money laundering, and other illicit financial maneuvers. By vigilantly monitoring transactions, financial institutions such as banks, credit card companies, and others can effectively identify and prevent fraud, uphold anti-money laundering regulations, and thwart account takeover attempts. At the heart of transaction monitoring lies specialized software, meticulously designed to analyze transactions, flag suspicious activities, and alert designated personnel for further investigation. To effectively combat evolving fraud tactics, transaction monitoring leverages sophisticated analytical tools and techniques to uncover patterns and anomalies within transactional data.

Employing a risk-based approach, transaction monitoring tailors the level of scrutiny of each customer's transactions, commensurate with the associated risk profile. As technological advancements reshape the financial landscape, transaction monitoring has assumed even greater significance. Financial institutions are now at the forefront of crafting robust anti-money laundering strategies, propelled by the increasing sophistication and adaptability of transaction monitoring systems to combat evolving fraud tactics. Transaction monitoring has transcended the limitations of predefined rules and characteristics, evolving into a modern and sophisticated practice that can effectively adapt to the ever-changing nature of fraud. It is an indispensable tool for safeguarding the integrity and security of financial transactions, preventing financial losses, and fostering trust among customers.

Introduction:

The transaction monitoring landscape is a burgeoning domain that provides a diverse array of solutions and services to financial institutions and businesses for monitoring and scrutinizing transactions for potential fraud, money laundering, and other financial crimes. This market is propelled by a multitude of factors, including the burgeoning digitization of transactions, the stringent adherence to regulatory mandates, and the escalating demand for robust and user-friendly transaction monitoring solutions. The pervasiveness of digital technologies and online payment methods has fueled the demand for transaction monitoring solutions within the financial sector. The ability to monitor and analyze transactions in real time enables financial institutions to swiftly detect and thwart fraudulent activities, safeguarding both their customers and themselves from financial losses.

Financial regulators across the globe are mandating transaction monitoring, propelling the demand for transaction monitoring solutions and services across diverse industries and regions. These regulatory mandates underscore the importance of transaction monitoring in combating financial crimes and safeguarding the integrity of the financial system. In the dynamic digital era, digital transaction management has emerged as a widely adopted software solution. Cloud-based software solutions are increasingly utilized to monitor and manage customer transaction processes involving transfers, deposits, and withdrawals digitally. These solutions offer enhanced scalability, accessibility, and cost-effectiveness, making them a compelling choice for financial institutions and businesses of all sizes. As technology continues to evolve, the transaction monitoring market is poised to undergo significant transformations. The emergence of more sophisticated and adaptable solutions is anticipated to address the ever-changing needs of financial institutions and businesses, ensuring the continued protection of the financial ecosystem from fraud and financial crimes.

Drivers:

Increasing digitization: The rapid growth of digital technologies and online payment methods has led to a higher demand for transaction monitoring solutions in the financial sector. As more transactions are conducted online, the need to monitor and analyze these transactions becomes more critical.
Regulatory compliance: Financial regulators worldwide are making transaction monitoring a legal necessity, driving the demand for transaction monitoring solutions and services across various industries and regions. Compliance with anti-money laundering (AML) regulations and other financial regulations is essential for financial institutions, and transaction monitoring plays a crucial role in ensuring compliance.
Advancements in technology: The development of advanced analytical tools and techniques has enabled financial institutions to identify patterns and anomalies in transactional data more effectively. This has led to the adoption of sophisticated transaction monitoring solutions that can adapt to evolving fraud tactics and improve the overall efficiency of transaction monitoring processes.
Growing e-commerce transactions: The explosion of e-commerce has further boosted the need for transaction monitoring solutions to ensure secure and convenient transactions. As more people conduct transactions online, the risk of fraud and money laundering increases, making transaction monitoring an essential tool for financial institutions to protect their customers and maintain the integrity of their services.
Competitive market: The transaction monitoring market is highly competitive, with major players employing various strategies such as introducing new products, expansions, mergers, and acquisitions to create a competitive market. This competition drives the development and adoption of advanced transaction monitoring solutions, further fueling the market's growth.

Products offered by key companies:

NICE offers Suspicious Activity Monitoring (SAM) which is a critical component of Anti-Money Laundering (AML) programs. It involves identifying and reporting transactions or other activities that may be indicative of money laundering or other illicit financial activity.
Oracle's solution utilizes sophisticated analytics, machine learning, and artificial intelligence to identify anomalies and patterns in transaction data that may be indicative of suspicious activity. By automating and streamlining transaction monitoring processes, Oracle's solution helps organizations to reduce operational costs and improve efficiency.

Prominent growth in the anti-money laundering segment within the transaction monitoring market:

The anti-money laundering (AML) segment of the transaction monitoring market is flourishing due to a confluence of factors. The burgeoning adoption of digital payments has amplified the need for robust transaction monitoring and fraud detection, fueling the demand for AML solutions. These solutions empower financial institutions to identify and investigate suspicious transactions that deviate from the account holder's typical behavior, effectively mitigating the risk of fraud and financial crimes. The globalization of financial transactions further propels the AML market. As businesses transcend borders, the complexities of tracking and monitoring financial transactions intensify, rendering AML solutions indispensable. Additionally, the proliferation of digital currencies poses novel challenges for AML compliance. The decentralized and untraceable nature of digital currencies complicates the task of monitoring and detecting fraudulent transactions.

Regulatory compliance further invigorates the AML market. Financial regulators worldwide are mandating AML compliance, driving demand for AML solutions and services across diverse industries and regions. The AML market is fiercely competitive, with key players employing a range of strategies, including new product introductions, expansions, mergers, and acquisitions, to maintain a competitive edge. The AML market is poised for continued growth, fueled by the persistent demand for compliance, risk management, and competitive advantages.

The Asia Pacific region is expected to hold a significant share of the transaction monitoring market:

The North American region is poised to maintain a dominant position in the transaction monitoring market. The United States, along with the rest of North America, currently accounts for the majority of global e-commerce transactions, fueling the demand for robust transaction monitoring systems. Anti-money laundering (AML) regulations have increasingly relied on transaction monitoring as a critical tool, making it an indispensable element for financial institutions. The growing digitization of transactions and the escalating demand for secure and user-friendly transaction monitoring solutions have further propelled the expansion of the transaction monitoring market in North America. The presence of leading banking systems in the region and the widespread adoption of digital technologies are additional factors propelling the growth of the transaction monitoring market in North America. In conclusion, the North American region is anticipated to play a pivotal role in shaping the future of the transaction monitoring market.

Market development:

In November 2022, NetGuardians expanded its NG|Screener platform to include money-laundering transaction monitoring. This new solution combines internal and external data sources to identify anomalies in behavior, potentially revolutionizing antiquated AML approaches and enhancing financial institutions' effectiveness and efficiency.
In October 2022, SAS Institute Inc. collaborated with Neterium and Orange Bank to implement real-time sanctions screening in the cloud. Conversely, integrated AI and cutting-edge screening technologies enhance detection relevance and empower analysts to maintain a comprehensive, real-time view of AML risks.

Segmentation

By Component

Solution
Service

By Enterprise Type

Large
SMEs

By Deployment

On-premise
Cloud

By Application

Anti-money Laundering
Customer Identity Management
Fraud Detection and Prevention
Compliance Management
Others

By End User

BFSI
Healthcare
IT & Telecom
Manufacturing
Retail
Others

By Geography

North America
United States
Canada
Mexico
South America
Brazil
Argentina
Others
Europe
United Kingdom
Germany
France
Spain
Others
Middle East and Africa
Saudi Arabia
UAE
Israel
Others
Asia Pacific
Japan
China
India
South Korea
Indonesia
Thailand
Others

1. INTRODUCTION

1.1. Market Overview
1.2. Market Definition
1.3. Scope of the Study
1.4. Market Segmentation
1.5. Currency
1.6. Assumptions
1.7. Base, and Forecast Years Timeline

2. RESEARCH METHODOLOGY

2.1. Research Data
2.2. Research Processes

3. EXECUTIVE SUMMARY

3.1. Research Highlights

4. MARKET DYNAMICS

4.1. Market Drivers
4.2. Market Restraints
4.3. Porter's Five Force Analysis
- 4.3.1. Bargaining Power of Suppliers
- 4.3.2. Bargaining Power of Buyers
- 4.3.3. Threat of New Entrants
- 4.3.4. Threat of Substitutes
- 4.3.5. Competitive Rivalry in the Industry
4.4. Industry Value Chain Analysis

5. TRANSACTION MONITORING MARKET BY COMPONENT

5.1. Introduction
5.2. Solution
5.3. Service

6. TRANSACTION MONITORING MARKET BY ENTERPRISE TYPE

6.1. Introduction
6.2. Large
6.3. SMEs

7. TRANSACTION MONITORING MARKET BY DEPLOYMENT

7.1. Introduction
7.2. On-premise
7.3. Cloud

8. TRANSACTION MONITORING MARKET BY APPLICATION

8.1. Introduction
8.2. Anti-money Laundering
8.3. Customer Identity Management
8.4. Fraud Detection and Prevention
8.5. Compliance Management
8.6. Others

9. TRANSACTION MONITORING MARKET BY END-USER

9.1. Introduction
9.2. BFSI
9.3. Healthcare
9.4. IT & Telecom
9.5. Manufacturing
9.6. Retail
9.7. Others

10. TRANSACTION MONITORING MARKET BY GEOGRAPHY

10.1. Introduction
10.2. North America
- 10.2.1. United States
- 10.2.2. Canada
- 10.2.3. Mexico
10.3. South America
- 10.3.1. Brazil
- 10.3.2. Argentina
- 10.3.3. Others
10.4. Europe
- 10.4.1. United Kingdom
- 10.4.2. Germany
- 10.4.3. France
- 10.4.4. Spain
- 10.4.5. Others
10.5. The Middle East and Africa
- 10.5.1. Saudi Arabia
- 10.5.2. UAE
- 10.5.3. Israel
- 10.5.4. Others
10.6. Asia Pacific
- 10.6.1. Japan
- 10.6.2. China
- 10.6.3. India
- 10.6.4. South Korea
- 10.6.5. Indonesia
- 10.6.6. Thailand
- 10.6.7. Others