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市場調查報告書
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1438444

語音生物辨識：市場佔有率分析、產業趨勢與統計、成長預測（2024-2029）

Voice Biometrics - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2024 - 2029)
出版日期: | 出版商: Mordor Intelligence | 英文 130 Pages | 商品交期: 2-3個工作天內

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簡介目錄

2024 年語音生物辨識市場規模估計為 22.5 億美元，預計到 2029 年將達到 48.8 億美元，在預測期間（2024-2029 年）以 16.75% 的複合年增長率增長。

語音生物辨識 - 市場

隨著專業詐騙大規模使用竊取的資料，基於知識的身份驗證越來越不足以區分合法用戶和詐騙。這導致了生物識別技術的普及。語音生物識別是一種多功能技術，可用於多個領域，包括客服中心身份驗證、免持介面、銀行帳戶保護和行動應用開發。

主要亮點

  • 隨著擴大使用數位平台來部署政府和私人服務，以及金融公司為使業務變得簡單易用而展開的競爭，對類似的強大且安全且幾乎不會失敗的身份驗證技術的需求不斷增加。市場已經從傳統的密碼身份驗證流程過渡到無密碼身份驗證技術。語音辨識因其獨特的識別所有具有不同特徵的個人的能力而成為最強大的身份驗證技術之一。
  • 銀行、汽車和醫療保健產業很重要。醫療保健是這三家公司中最大的一家實施語音辨識以幫助創建電子病歷。同時，越來越多的銀行正在整合語音認證，以提高交易的安全性，尤其是透過電話進行的交易。
  • 語音銀行業務正在席捲金融業，金融科技公司競相提供更先進、更強大、更安全的解決方案。預計未來幾年語音銀行業務的發展將朝著不同的方向發展。據Intelligent Software Engineering稱，美國已有1,800萬消費者嘗試過語音支付，許多銀行和金融機構正在向其客戶提供這項服務。語音銀行業務的成長預計將帶來市場成長。由於行動和網路銀行業務應用程式擴大採用語音辨識，預計銀行業在預測期內將顯著成長。
  • 生物識別語音系統的熟練程度取決於語音辨識和語音辨識的成功，這會影響整個解決方案的表現。研究人員和公司採用了 LPCC、MFCC 和 LPC 等多種方法來識別訊號中的音訊特徵。生物識別辨識語音系統的高接受度是由於此解決方案的效率、準確性、辨識速度、改進的產品功能、低成本和使用者友善性。
  • COVID-19感染疾病凸顯了對語音生物識別技術作為非接觸式身分驗證方法的需求，這對所研究市場的需求方動態產生了正面影響。根據 2021 年生物識別調查，64% 的受訪者優先考慮支援遠端入職和行動應用程式的技術，從而創造了對語音生物識別的直接需求。

語音生物辨識市場趨勢

銀行、金融服務和保險成為語音生物識別應用的關鍵領域

  • 銀行需要掌握最好的身份驗證方法來打擊網路詐騙。傳統上，銀行使用基於知識的身份驗證方法，例如 PIN 和動態密碼。對非接觸式和無縫技術的需求也滲透到銀行安全領域，特別是考慮到 COVID-19感染疾病的影響。銀行業務中的語音生物辨識技術是一種很有前景的線上銀行業務解決方案，它超越了需要人們親自到場的視網膜和指紋掃描器。
  • 此外，隨著攻擊者/駭客變得更加複雜以及潛在目標和入口點數量的增加，金融業的網路攻擊正在顯著增加。隨著新的銀行和金融科技的普及和增加，用戶數量也顯著增加。儘管銀行家一再警告，人們仍然成為詐騙的受害者。例如，2021 會計年度，印度儲備銀行 (RBI) 報告稱，印度各地發生了約 7,400 起銀行詐騙案件。印度儲備銀行公佈，2020年，印度發生8,700起銀行詐騙案件，損失達1.85兆盧比。此外，根據印度電腦緊急應變小組（CERT-In）報告的資訊，印度在 2019 年和 2020 年分別報告了 2,46,514 起和 2,90,445 起與數位銀行業務相關的不受限制的網路安全事件。
  • 此外，據VMware稱，2020年上半年針對金融機構的網路攻擊與前一年同期比較增238%。自疫情爆發以來，近 75% 的銀行和保險集團發現網路犯罪激增。
  • 業務語音生物識別對於拓展便利的銀行服務、提升客戶體驗非常重要。例如，銀行提供退休金和保險等社會安全產品，要求在付款時提供生存證明。語音生物辨識技術有助於對個人進行個人身份驗證。生物識別技術還可以識別人聲的多種特徵，使識別可靠且防篡改。
  • 語音生物識別也有助於加強 KYC 流程。例如，像南亞這樣的多語言國家，偏遠地區的人們受教育程度不同。語音生物識別可以幫助這些人進入金融安全網，因為解決方案與語言無關。
  • 此外，生理生物生物識別需要在客戶所在地安裝掃描儀，而語音生物識別只需要現有的電話線和行動基礎設施。軟體是在銀行那邊的。可能會要求使用者說出隨機產生的短語來創建用於身份驗證的樣本。如果未找到符合項，則拒絕存取。此方法對於嘗試使用錄音的駭客非常有效。

預計北美將佔據最大佔有率

  • 由於行動和雲端技術的快速普及以及運算能力方面無與倫比的技術進步，語音辨識技術被用於各種應用。醫療保健產業預計將在美國語音辨識語音辨識技術的發展中發揮重要作用，因為語音辨識技術用於建立與健康相關的資料記錄。語音辨識技術有潛力取代一些仍在使用的傳統方法。
  • 根據美國醫療保險和醫療補助服務中心的數據，2019年至2028年，國家醫療支出預計將以每年平均5.4%的速度成長，到2028年將達到6.2兆美元。這也包括 IT 和計算服務方面的支出，以更好地儲存和保護患者資料。此外，衛生系統正在搜尋支援語音的轉錄，以識別診斷過程中發現的可報銷病症，同時確保他們不會錯過任何重要的健康指標。
  • 由於詐騙案件不斷增加，該地區盈利的銀行業擴大採用生物識別技術。該領域已經推出了許多安全且多樣化的安全解決方案。在北美，捷德行動安全與三星 SDS 合作推出了符合 FIDO 要求的 Convegno 行動身份驗證。此解決方案利用指紋、臉部、虹膜和語音憑證等生物識別，提供具有多因素身份驗證的安全解決方案。
  • 加拿大的一些組織，包括加拿大皇家銀行、蒙特利爾銀行和羅傑斯通訊公司，已經開始使用語音生物識別透過電話識別消費者。加拿大道明銀行集團表示，客戶可以透過提供聲紋來登入自己的帳戶並繞過客服中心的安全問題。為此，TD 使用 VoicePrint。 TD VoicePrint 是一種語音辨識系統，可讓客戶使用聲紋來驗證自己的身份，並在與銀行現場客服人員通話時驗證自己的身份。
  • 加拿大越來越多的商店正在轉向自助結帳通道，以更好地為顧客服務。根據達爾豪斯大學的全國雜貨體驗調查報告，超過一半 (54%) 的加拿大人喜歡自助結帳通道，66% 的人至少在某些時候使用自助結帳通道。顧客可以隨時使用自助結帳，但並不總是有效率。因此，許多加拿大商家正在他們的商店中尋找語音生物識別解決方案。然而，由於器材與設備的初始成本較高，許多加拿大零售商不願意升級到最新技術。

語音生物辨識行業概況

語音生物識別市場仍競爭激烈，多家新興企業進入生物識別生態系統。近期，市場上出現了多起併購事件。由於大量資金湧入該領域的新興企業，預計未來幾年將推出幾款新產品。最近的一些進展包括：

  • 2021 年 9 月 - Skit（前身為 Vernacular.ai）獲得由 WestBridge Capital 領投、Exfinity Ventures 和 Kalaari Capital主導、由 Sense AI 領投的 Letsventure企業聯合組織、由 Aryaman 領投的 Angelist企業聯合組織參與的B 輪融資，作為該專案的一部分，我們已獲得2300 萬美元融資。資金。 Prophetic Ventures 的 Vir Shah。
  • 2021 年 8 月 - Lumen Vox 推出具有轉錄功能的新一代自動語音辨識(ASR) 引擎。基於人工智慧 (AI) 和深度機器學習 (ML) 的新型自動語音辨識引擎在提供最準確的語音客戶體驗方面優於競爭對手。
  • 2021 年 7 月 - 泰雷茲宣布推出新的語音生物生物識別解決方案，該解決方案是泰雷茲用於登入和身分驗證的數位身分服務平台的一部分。新的解決方案可以輕鬆地與您現有的客服中心註冊流程整合。
  • 2021 年 6 月 - Aculab 宣布其語音生物識別技術 VoiSentry 可供身體和語言障礙的人使用。 VoiSentry 根據語音的一般特徵而不是特定單字來計算語音生物識別。因此，使用者可以透過語音主動確認自己的IVR選擇，完成身份驗證和檢驗檢查。

其他福利

  • Excel 格式的市場預測 (ME) 表
  • 3 個月分析師支持

目錄

第1章簡介

  • 研究假設和市場定義
  • 調查範圍

第2章調查方法

第3章執行摘要

第4章市場洞察

  • 市場概況
  • 產業吸引力－波特五力分析
    • 供應商的議價能力
    • 消費者議價能力
    • 新進入者的威脅
    • 競爭公司之間的敵意強度
    • 替代產品的威脅
  • 技術簡介
  • 評估新型冠狀病毒感染疾病（COVID-19）對市場的影響

第5章市場動態

  • 市場促進因素
    • 安全威脅的複雜性
    • 政府大規模採用科技來確保公共安全
  • 市場挑戰
    • 有關第三方（雲端）資料儲存的安全性問題

第6章市場區隔

  • 類型
    • 主動生物辨識技術
    • 被動生物辨識技術
  • 部署模型
    • 本地
    • 雲
  • 企業規模
    • 中小企業
    • 主要企業
  • 產業
    • 銀行、金融服務和保險
    • 零售與電子商務
    • 通訊和資訊技術
    • 政府和國防
    • 其他行業
  • 地區
    • 北美洲
      • 美國
      • 加拿大
    • 歐洲
      • 英國
      • 德國
      • 法國
      • 其他歐洲國家
    • 亞太地區
      • 中國
      • 澳洲
      • 印度
      • 其他亞太地區
    • 拉丁美洲
      • 巴西
      • 墨西哥
      • 其他拉丁美洲
    • 中東和非洲

第7章 競爭形勢

  • 公司簡介
    • Nuance Communications Inc.
    • Verint Systems Inc.
    • Voice Biometrics Group
    • NICE Ltd
    • Auraya Inc.
    • Phonexia SRO
    • BioCatch Ltd
    • Pindrop Security Inc.
    • Aculab Inc.
    • Uniphore Software Systems Pvt. Ltd
    • LexisNexis Risk Solutions Inc.
    • One Vault SA
    • Lumen Vox LLC（Voice Trust GmBH）
    • VoicePIN.com Sp. z oo
    • SESTEK

第8章投資分析

第9章市場的未來

簡介目錄
Product Code: 66871

The Voice Biometrics Market size is estimated at USD 2.25 billion in 2024, and is expected to reach USD 4.88 billion by 2029, growing at a CAGR of 16.75% during the forecast period (2024-2029).

Voice Biometrics - Market

The proliferation in the large-scale use of stolen data by professional fraudsters renders knowledge-based authentication increasingly inadequate for distinguishing legitimate users from fraudsters. This has led to the proliferation of biometric technologies. Voice biometrics is a versatile technology that uses several areas, including call center authentication, hands-free interface, bank account protection, and mobile application development.

Key Highlights

  • With the increasing use of digital platforms for government and private services deployment and the race of financial firms to make banking simple and more accessible, there is a growing need for a similar, strong, and secured authentication technology with negligible chances of failure. The market is already transitioning from traditional password authentication processes to password-less authentication techniques. Owing to its unique feature of identifying every individual with different traits, voice recognition is gaining traction as one of the powerful authentication techniques.
  • The banking, automotive, and healthcare sectors are significant. Healthcare was the largest of the three in deploying voice recognition to assist with creating electronic medical records. Meanwhile, a growing number of banks are integrating voice authentication for an extra layer of security, especially for transactions that take place over the phone.
  • Voice banking is conquering the financial industry, and FinTechs are competing to offer more advanced, robust, and secure solutions. The development of voice banking is predicted to move in several directions in the next few years. According to Intelligent Software Engineering, 18 million US consumers have already tried paying by voice, and many banks and financial institutions offer this service to their clients. The growth of voice banking is anticipated to provide growth to the market. The banking sector is expected to register a significant growth rate over the forecast period, owing to the higher adoption of voice recognition in mobile and web banking applications.
  • The proficiency of a biometric voice system is dependent on successful speech identification and voice recognition and affects the solution's overall performance. Researchers and corporations employ many approaches to identify voice features from a signal, including LPCC, MFCC, and LPC. The higher acceptability of the biometric voice system is credited to the solutions' efficiency, accuracy, identification speed, increased product capabilities, low cost, and user-friendly nature.
  • The COVID-19 pandemic has highlighted the need for voice biometrics as a contactless method of authentication and has positively influenced the demand-side dynamics of the studied market. According to the Biometric Survey 2021, 64% of the respondents have increased prioritization for technology that supports remote onboarding and mobile apps, creating a direct demand for voice biometrics.

Voice Biometrics Market Trends

Banking, Financial Services, and Insurance have Emerged as the Leading Fields for Voice Biometric Applications

  • Banks must continuously stay on top of the best-suited methods for authentication to combat online fraud. Traditionally, banks have used knowledge-based authentication methods such as PINs and one-time passwords. The demand for contactless and seamless technologies has permeated even banking security, especially in light of the COVID-19 pandemic's impact. Voice biometrics in banking is a promising online banking solution that goes beyond the retina and fingerprint scanners that require people's physical presence.
  • Further, as attackers/hackers have become more sophisticated and the number of potential targets or entry points has expanded, cyber attacks in the financial industry have increased significantly. The sheer number of users has also drastically increased along with the proliferation and addition of new banking and financial technologies. Despite numerous warnings from bankers, people fall prey to scams. For instance, in fiscal 2021, the Reserve Bank of India (RBI) reported around 7,400 bank fraud cases across India. In 2020, RBI said 8,700 bank fraud cases in India with an INR 1.85 trillion. Further, as per the information reported by Indian Computer Emergency Response Team (CERT-In), an unlimited number of 2,46,514 and 2,90,445 cyber security incidents about digital banking were reported in 2019 and 2020 in India, respectively.
  • Also, according to VMware, the first half of 2020 witnessed a 238% increase in cyberattacks targeting financial institutions compared to the previous year. Nearly 75% of banks and insurance groups have seen a spike in cybercrime since the pandemic's start.
  • Voice biometrics in banking is crucial to extending comfortable banking services and improving customer experience. For instance, banks offer social security products like pensions and insurance requiring proof-of-life authentication when the payments are disbursed. Voice biometrics facilitate the discrete authentication of people. Also, biometric technology can identify several features of human voices to make identification reliable and tamper-proof.
  • Voice biometrics also aid in enhancing the KYC processes. For instance, multilingual countries like South Asia have people of varying education levels across far-flung areas. Voice biometrics can help include such people into a financial security net as the solutions are language-independent.
  • Further, physiological biometrics necessitates scanners at the customer's location, whereas voice biometrics require nothing more than existing phone lines and mobile infrastructure. The software is present on the bank's end. To create a sample to authenticate, the user may be asked to say a randomly generated phrase. If a match is not found, access will be denied. This method is effective against hackers who attempt to use voice recordings.

North America is Expected to Hold the Largest Share

  • Voice recognition technology is used in various applications due to the rapid growth in the acceptance of mobile and cloud technologies and unmatched technological advancements in computing power. The healthcare industry is expected to play a significant role in developing voice recognition technology in the United States, owing to its use in producing health-related data records. Voice recognition technology has the potential to replace some of the more traditional approaches that are still in use.
  • According to the Center for Medicare and Medicaid Services, United States, National health spending is projected to grow at an average annual rate of 5.4% from 2019 to 2028 to reach USD 6.2 trillion by 2028. This also includes the expenditure for IT and computing services for better storage and protection of patient data. Furthermore, health systems are searching for voice-enabled transcriptions to identify reimbursable conditions discovered during the diagnostic while ensuring that crucial health indicators are not missed.
  • The lucrative banking sector in the region has seen a rise in the adoption of biometric technologies as the number of fraud cases has increased. In the area, many secure and diverse security solutions are being introduced. In North America, G+D Mobile Security has introduced its FIDO-compliant Convegno Mobile Authentication in conjunction with Samsung SDS. The solution leverages biometrics such as fingerprint, face, iris, and voice credentials to provide security solutions with multi-factor authentication.
  • Several Canadian organizations, including Royal Bank of Canada, Bank of Montreal, and Rogers Communications, have begun using speech biometrics to identify consumers over the phone. According to the TD Bank Group of Canada, customers can sign into their accounts or skip call center security questions by providing a voiceprint. For this, TD uses VoicePrint. TD VoicePrint is a voice recognition system that allows customers to use their voiceprint to verify their identity and identify themselves when speaking with one of the bank's Live Customer Service employees over the phone.
  • More stores in Canada are moving to self-checkout lanes to serve customers better. More than half of Canadians (54%) favor self-checkout lanes, and 66% use them at least some of the time, according to Dalhousie University's Grocery Experience National Survey Report. Customers can use self-checkout lines at their own leisure, but they are not necessarily as efficient. As a result, many Canadian merchants are looking for voice biometrics solutions in their stores. However, due to the initial high cost of equipment and gadgets, many retailers in Canada will be unwilling to upgrade to the latest technologies.

Voice Biometrics Industry Overview

The voice biometrics market remains highly competitive, with several emerging players getting into the biometric ecosystem. The market has witnessed a few mergers and acquisitions in the recent past. With the inflow of massive amounts of funds into the startups operating in this space, the launch of several new products is expected in the years ahead. Some of the recent developments are as follows:-

  • September 2021 - Skit, formerly known as Vernacular.ai, secured USD 23 million as part of its Series B funding, led by WestBridge Capital with participation from Exfinity Ventures and Kalaari Capital, Letsventure syndicate led by Sense AI, and Angelist syndicate led by Aaryaman Vir Shah from Prophetic Ventures.
  • August 2021 - Lumen Vox launched the next-generation automatic speech recognition (ASR) engine with transcription. The new automatic speech recognition engine, built on artificial intelligence (AI) and deep machine learning (ML), outpaces its competition in delivering the most accurate speech-enabled customer experiences.
  • July 2021 - Thales announced a new voice biometric solution, part of Thales' Digital Identity Service Platform for onboarding and authentication. The new solution integrates effortlessly with existing call center enrolment processes.
  • June 2021 - Aculab announced that its voice biometrics technology, VoiSentry, can be deployed to those with physical and speech impairments. VoiSentry calculates voice biometrics based on general characteristics of the sound of the voice rather than specific words. Hence, it enables the user to positively affirm IVR choices and complete identification and verification checks using their voice.

Additional Benefits:

  • The market estimate (ME) sheet in Excel format
  • 3 months of analyst support

TABLE OF CONTENTS

1 INTRODUCTION

  • 1.1 Study Assumptions and Market Definition
  • 1.2 Scope of the Study

2 RESEARCH METHODOLOGY

3 EXECUTIVE SUMMARY

4 MARKET INSIGHTS

  • 4.1 Market Overview
  • 4.2 Industry Attractiveness - Porter's Five Forces Analysis
    • 4.2.1 Bargaining Power of Suppliers
    • 4.2.2 Bargaining Power of Consumers
    • 4.2.3 Threat of New Entrants
    • 4.2.4 Intensity of Competitive Rivalry
    • 4.2.5 Threat of Substitute Products
  • 4.3 Technology Snapshot
  • 4.4 An Assessment of the Impact of COVID-19 on the Market

5 MARKET DYNAMICS

  • 5.1 Market Drivers
    • 5.1.1 Increased Sophistication of Security Threat
    • 5.1.2 Large-scale Adoption of Technology by Governments to Secure Citizens
  • 5.2 Market Challenges
    • 5.2.1 Security Concerns Pertaining to Third-party (Cloud) Data Storage

6 MARKET SEGMENTATION

  • 6.1 Type
    • 6.1.1 Active Biometrics
    • 6.1.2 Passive Biometrics
  • 6.2 Deployment Model
    • 6.2.1 On-premises
    • 6.2.2 Cloud
  • 6.3 Enterprise Size
    • 6.3.1 Small and Medium Enterprises
    • 6.3.2 Large Enterprises
  • 6.4 Vertical
    • 6.4.1 Banking, Financial Services, and Insurance
    • 6.4.2 Retail and E-commerce
    • 6.4.3 Telecommunications and IT
    • 6.4.4 Government and Defense
    • 6.4.5 Other Industry Verticals
  • 6.5 Geography
    • 6.5.1 North America
      • 6.5.1.1 United States
      • 6.5.1.2 Canada
    • 6.5.2 Europe
      • 6.5.2.1 United Kingdom
      • 6.5.2.2 Germany
      • 6.5.2.3 France
      • 6.5.2.4 Rest of Europe
    • 6.5.3 Asia-Pacific
      • 6.5.3.1 China
      • 6.5.3.2 Australia
      • 6.5.3.3 India
      • 6.5.3.4 Rest of Asia-Pacific
    • 6.5.4 Latin America
      • 6.5.4.1 Brazil
      • 6.5.4.2 Mexico
      • 6.5.4.3 Rest of Latin America
    • 6.5.5 Middle-East and Africa

7 COMPETITIVE LANDSCAPE

  • 7.1 Company Profiles
    • 7.1.1 Nuance Communications Inc.
    • 7.1.2 Verint Systems Inc.
    • 7.1.3 Voice Biometrics Group
    • 7.1.4 NICE Ltd
    • 7.1.5 Auraya Inc.
    • 7.1.6 Phonexia SRO
    • 7.1.7 BioCatch Ltd
    • 7.1.8 Pindrop Security Inc.
    • 7.1.9 Aculab Inc.
    • 7.1.10 Uniphore Software Systems Pvt. Ltd
    • 7.1.11 LexisNexis Risk Solutions Inc.
    • 7.1.12 One Vault SA
    • 7.1.13 Lumen Vox LLC (Voice Trust GmBH)
    • 7.1.14 VoicePIN.com Sp. z o.o.
    • 7.1.15 SESTEK

8 INVESTMENT ANALYSIS

9 FUTURE OF THE MARKET