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市場調查報告書
商品編碼
1630182
業務物聯網 -市場佔有率分析、產業趨勢/統計、成長預測（2025-2030）Internet of Things in Banking - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2025 - 2030) |
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價格
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簡介目錄
業務物聯網市場預計在預測期間內複合年成長率為18.58%
主要亮點
- 物聯網在銀行業的基本優勢之一是為信用卡和簽帳金融卡客戶提供更方便的服務。銀行可以分析特定區域 ATM 終端的使用率，並根據使用情況變更 ATM 安裝。除了 ATM 之外，銀行還可以利用物聯網資料，透過提供自助服務終端並提高客戶服務的可近性，使按需服務更貼近客戶。透過物聯網獲得的客戶資料可以幫助銀行識別客戶業務需求和價值鏈，並獲得客戶洞察。客戶資訊幫助銀行提供附加價值服務、財務援助和客製化產品，確保雙贏。
- 零售業務業務市場潛力大。透過智慧揚聲器進行業務為客戶提供了發出語音指令的便利，而無需實際查看行動裝置。
- 物聯網為 BFSI 行業提供了多種數位化優勢，包括 360 度客戶觀點、改進的財務安全、詐騙偵測和尖端的保險策略。物聯網帶來的創新幫助銀行和金融機構超越客戶期望並提供卓越的客戶服務。
- 一些銀行已經開始使用信標，在客戶進入分店後立即向其智慧型手機發送客製化優惠訊息。一些 ATM 機現在正在實施即時串流視訊支持，允許客戶在需要額外幫助時與櫃員交談。銀行正在使用物聯網和其他業務和應用程式來解決傳統分店業務與行動業務的衝突。例如，生物識別感測器可用於在客戶進入銀行時收集資料並將其轉發到關鍵系統。
- 為了阻止 COVID-19 的傳播，世界各地的大多數銀行員工都被要求在家工作。 COVID-19 也挑戰客戶的傳統銀行業務習慣。世界衛生組織（WHO）建議人們使用非接觸式付款，並盡可能避免處理紙幣。因為 COVID-19 可以在紙幣上存活數天，加速疾病的傳播。透過實施數位化和遠端客戶交易，銀行可以確保常規和特殊流程的執行不受干擾。這表明物聯網在銀行業務中的引入將持續推進。
銀行業務物聯網市場趨勢
安全應用程式預計將佔據很大佔有率
- 如今，客戶期望、技術力、監管要求、人口趨勢和經濟正在推動決定性的變化。這要求銀行機構克服這些挑戰，採取積極主動的網路安全方法。金融業面臨的網路攻擊大約是其他產業的三倍。資料外洩（由於詐騙造成的內部洩露，由於網路犯罪分子造成的外部洩露）導致成本急劇增加。通常，實體存取控制、虛擬專用網路以及晶片組裝整合商實施用於防偽的多重身份驗證（MFA）是網路安全應用市場的主要趨勢，預計市場將會擴大。
- 個人財務管理（PFM）是 21 世紀的創新。 PFM 的指南想法很簡單：讓消費者清楚了解他們的帳戶、收入和支出。 PFM 系統允許客戶查看其帳戶中的交易。透過利用物聯網產生的資料，銀行將能夠為客戶提供更好的服務。為了追蹤客戶的使用情況，物聯網必須提供警報和訊號來啟用/停用銀行控制的某些項目。
- 與物聯網設備相關的持續威脅將迫使銀行增加額外的安全層，包括可修補的韌體/軟體和受控的權限存取。如果使用物聯網的大規模攻擊開始，可能會推出新的法規。這樣做是為了借助穿戴式裝置放大攻擊。據 Samsung Insights 稱，智慧型手錶等穿戴式裝置是零售業務體驗的未來。例如，當客戶進入銀行商店時，銀行可以使用藍牙信標將個人問候語推送到客戶的智慧型手錶。
- 金融服務業對網路犯罪分子具有吸引力，原因顯而易見：取得資金和相關資料，以及不太明顯的原因：與物聯網相關的安全漏洞。物聯網擴大被企業使用，從幫助確定保險費率的聯網汽車。金融專業人士必須採取多項重要行動來保護連網平台上的客戶資料。
- 例如，去年7月至9月，俄羅斯網路犯罪分子利用社會工程對金融客戶發動了超過134,000次攻擊。網路釣魚也被用於約 3,000 起針對客戶的攻擊。
北美佔有很大佔有率
- 北美是許多主要銀行的所在地，也是業務物聯網市場的主要驅動力。操作技術和資訊科技的整合、互聯業務產品、應用程式以及在場所監控中擴大使用物聯網設備是推動北美業務物聯網發展的因素。美國是業務聯網安全解決方案的最大市場，因為許多銀行都出現了資料外洩的新聞。
- 許多銀行現在都為 Apple Watch 和 FitPay 等流行的穿戴式設備提供應用程式，美國銀行已經與它們合作。亞馬遜還計劃允許客戶透過 Alexa 相互轉賬，並將其存入亞馬遜品牌的支票帳戶。美國金融保全服務公司迪堡更進一步，設計了智慧ATM機。想要提取現金的人可以在行動應用程式上預訂會話，前往最近的 ATM 並選擇可用的身份驗證選項之一。
- 在美國，資料外洩事件每年都在增加。受影響的主要領域是銀行業，其中特權濫用和網路攻擊是主要原因。最近有消息稱，匯豐銀行客戶在美國遭受詐欺用戶的資料洩露，導致個人資訊洩露。 Attila 的 GoSilent 等安全解決方案旨在偵測和防止來自各種來源的網路攻擊。 Silent 透過保護所有端點（包括伺服器、行動裝置、印表機/掃描器、筆記型電腦和桌上型電腦）來鎖定對銀行機構網路的存取。
- 借助支援物聯網的 ATM，銀行可以執行更廣泛的交易，並為客戶提供更個人化的體驗。這些 ATM 機還可用於偵測和防止詐欺。例如，去年10月，曉星美國宣布推出三款業務解決方案，包括Series 5 ATM、Series 7 ATM和MS500EL Teller Cash Recycler。
銀行業物聯網概述
銀行市場物聯網正走向細分市場。這是因為公司和解決方案正在進入市場，在物聯網生態系統中形成碎片化的模式。主要參與企業包括IBM公司、微軟公司、思科系統公司和印孚瑟斯有限公司。近期市場發展趨勢包括：2022年2月，印度星展銀行宣布與知名酪農科技公司Stellapps建立銀行業務，以促進印度小規模乳品加工業的數位化。 Stellapps 提供雲端基礎的原乳分級，使乳品加工業能夠更透明地了解所運輸的牛奶的數量和品質以及他們從中獲得的收入。這是透過基於物聯網的解決方案和數位資料來完成的。在280萬乳品加工業和250家乳製品加工商的幫助下，Stellapps的數位原乳採購系統目前每天支援1,300萬公升原奶。由於需要投資，許多乳品加工業不願意實施數位系統。因此，我們租賃 Stellapps 線上網路。
其他好處
- 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
- 工業吸引力－波特五力
- 供應商的議價能力
- 買方議價能力
- 新進入者的威脅
- 替代品的威脅
- 競爭公司之間敵對關係的強度
- COVID-19 市場影響評估
第5章市場動態
- 市場促進因素
- 透過自助服務終端提供按需服務，提高客戶的服務可近性
- 擴大物聯網在簽帳金融卡/信用卡交易詐欺預測的應用
- 市場問題
- 對隱私侵犯和資料安全風險的擔憂
- 關鍵使用案例和案例研究
- 追蹤原料和庫存以進行融資
- 透過分析作物產量來確定財務條款的靈活性
- 提高保護系統抵禦可能攻擊的有效性
- 零售業務現狀
- 使用 Chase Beacons 在接近 ATM 之前提前通知選擇使用該服務的客戶
- 巴克萊銀行使用 Beacon 技術幫助殘疾乘客導航分店
- 美國銀行和花旗銀行正在使用 Beacon 來恢復廢棄的商業街分店。
第6章 市場細分
- 按類型
- 解決方案
- 服務
- 按用途
- 安全
- 監控
- 資料管理
- 客戶體驗管理
- 其他
- 地區
- 北美洲
- 歐洲
- 亞太地區
- 其他
第7章 競爭格局
- 公司簡介
- IBM Corporation
- Infosys Limited
- Software AG
- Temenos AG
- Cisco Systems, Inc.
- Microsoft Corporation
- Oracle Corporation
- Accenture PLC
- Tibbo Systems
- Vodafone Group PLC
第8章 銀行業物聯網市場投資分析及未來展望
簡介目錄
Product Code: 60371
The Internet of Things in Banking Market is expected to register a CAGR of 18.58% during the forecast period.
Key Highlights
- One of the essential benefits of IoT in the banking industry is providing easy-to-access services to credit card and debit card customers. Banks can analyze the usage rate of ATM kiosks in specific areas and alter the installation of ATMs depending on usage volumes. Along with ATMs, banks can use IoT data to bring on-demand services closer to customers by providing kiosks and increasing the accessibility of service to customers. The customer data available through IoT can help banks identify their customers' business needs and value chains and gain customer insights. Customer information can help banks contribute to providing value-added services, financial assistance, and customized products to ensure a favorable situation for both parties.
- The market has a huge potential when it comes to retail banking. Banking via smart speakers provides customers with the convenience of issuing voice instructions rather than physically looking at a mobile device.
- IoT provides the BFSI industry with a variety of digitalization advantages, including a 360-degree client perspective, improved financial security, fraud detection, cutting-edge insurance tactics, and more. Innovations made possible by the Internet of Things assist banking and financial organizations in exceeding client expectations and providing superior customer service.
- Some banks have started using beacons to send customized offers to customers' smartphones as soon as they enter the branch. Some ATMs now have live-stream video support that allows customers to speak to tellers if they require additional assistance. Banks use IoT and other banking applications to resolve the conflict seen in traditional branch banking due to mobile banking. For instance, biometric sensors can be utilized to garner user data when they enter the bank and relay it to the primary system.
- To contain the spread of COVID-19, the majority of bank employees across the world are being asked to work from home. COVID-19 is also challenging the traditional banking habits of customers. The World Health Organization (WHO) has advised people to use contactless payment and avoid handling banknotes as much as possible. This is because COVID-19 may continue to live on a note for days, accelerating the spread of this disease. By implementing digitized and remote customer transactions, banks can ensure that everyday and exceptional processes are likely to be carried out with limited disruption. This represents an increasing adoption of IoT in banking in the future.
Internet of Things in Banking Market Trends
Security Application is Expected to Hold Significant Share
- Nowadays, customer expectations, technological capabilities, regulatory requirements, demographics, and economics create a crucial change. This demands that banking institutions move past these challenges and adopt a proactive approach to cybersecurity. The financial sector faced almost three times the cyber attacks compared to the other industries. Data breaches (internal through fraud and external through cybercriminals) lead to an exponential cost rise. Enforcing Multi-Factor Authentication (MFA), usually for physical access control, virtual private networks, and prevention of counterfeit by chip assembly integrators, are the critical trends in the cybersecurity applications market, which are expected to enhance the market.
- Personal Financial Management (PFM) is a 21st-century innovation. The PFM's guiding idea is simple: give consumers a clear image of their accounts, revenues, and expenses. Using a PFM system, the customer can see his accounts' transactions. Banks will be able to better serve their clients by using the data generated by IoT. To track the customer's usage, an IoT must provide alerts or signals to activate/deactivate particular items maintained by the bank.
- Ongoing threats related to IoT devices will force banks to tighten security layers, including patchable firmware/software and controlled privilege access. New regulations will follow once massive-scale attacks are initiated using IoT. This will be done to amplify the attack using the help of wearable devices. According to Samsung Insights, wearables, such as smartwatches, are poised to become the future of the retail banking experience. For example, banks could use Bluetooth beacons to push personal greetings to customers' smartwatches when entering a banking location.
- The financial services industry appeals to cybercriminals for one apparent reason-access to money and related data and one less evident security hole related to the Internet of Things. IoT is being used by businesses more and more, with connected automobiles helping to determine insurance rates and smartphones taking the place of bank tellers. Finance professionals need to take several crucial actions to protect their client's data on interconnected platforms.
- For instance, between July and September last year, cybercriminals in Russia used social engineering to launch over 13,4000 assaults against customers of financial institutions. Additionally, phishing was used in approximately 3,000 client-targeting events.
North America to Account for a Significant Share
- North America has many of the largest banks, which significantly drives the market for IoT in banking. The convergence of operational and information technology and the increasing use of IoT devices in product, application, and premises monitoring for connected banking are factors driving the IoT in Banking in North America. The U.S. is the largest market for IoT security solutions in banking because of having a large number of banks with a large number of data breaches news.
- Many banks now provide applications for popular wearables like Apple Watch and FitPay, which is already working with Bank of America. Amazon is too planning to let customers zap each other cash with Alexa and then deposit it in an Amazon-branded checking account. Diebold, a U.S. financial and security services corporation, went even further and designed a smart ATM. If anyone wants to withdraw some cash, a person should schedule a session via a mobile app, walk up to the nearest ATM and choose one of the available verification options.
- There is an increased rate of data breaches in the United States annually. The main segment affected is the banking sector, and the privileged misuse and web attack is the main reason for it, where the hackers use malicious code and software to alter computer code. Recent news quotes that HSBC Bank customers had personal information exposed to a data breach by unauthorized users in the United States. Like Attila's GoSilent, security solutions are designed to detect and prevent cyber-attacks from a broad spectrum of sources. Silent locks down access to banking institutions' networks by securing all the endpoints, such as servers, mobile devices, printers/scanners, laptops, and desktops.
- Banks are using IoT-enabled ATMs that can perform a wider range of transactions and provide customers with a more personalized experience. These ATMs can also be used to detect and prevent fraud. For instance, in October last year - three banking solutions from Hyosung America were introduced, including its Series 5 ATMs, Series 7 ATMs, and MS500EL Teller Cash Recycler.
Internet of Things in Banking Industry Overview
The Internet of things in the banking market is moving toward a fragmented market. This is because of the entry of companies and solutions into the market, creating a fragmented landscape within the IoT ecosystem. The key players are IBM Corporation, Microsoft Corporation, Cisco Systems, Inc., Infosys Limited, etc. Recent developments in the market are that, in February 2022, to encourage digitization among small dairies across India, DBS Bank India announced that it has teamed with Stellapps, a prominent dairy-tech business, as its banking partner. Stellapps provides cloud-based milk grading, which increases transparency for farmers regarding the amount and quality of milk delivered and the income gained from it. This is done through IoT-based solutions and digital data. With the help of 2.8 million dairy producers and 250 dairy processors, Stellapps' digital milk procurement system presently helps 13 million liters of milk per day. Due to the investments required, many dairies are reluctant to install a digital structure. As a result, they decide to lease Stellapps' online network.
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 Five Forces
- 4.2.1 Bargaining Power of Suppliers
- 4.2.2 Bargaining Power of Buyers
- 4.2.3 Threat of New Entrants
- 4.2.4 Threat of Substitute Products
- 4.2.5 Intensity of Competitive Rivalry
- 4.3 Assessment of Impact of COVID-19 on the Market
5 MARKET DYNAMICS
- 5.1 Market Drivers
- 5.1.1 Increasing Accessibility of Services to Customers by Providing On-demand services via Kiosk
- 5.1.2 Growing Adoption of IoT for Predicting Fraud in Debit/Credit Card Transactions
- 5.2 Market Challenges
- 5.2.1 Concerns Regarding Breach of Privacy and Data Security Risks
- 5.3 Key Use-cases and Case Studies
- 5.3.1 Tracking Raw Materials and Inventory Stock for Loan
- 5.3.2 Deciding Flexibility in Financial Terms by Analyzing Farm Crop Output
- 5.3.3 Improving Effectiveness of Protection System Against Possible Attacks
- 5.4 Retail Banking Landscape
- 5.4.1 The utilization of Beacon by Chase to pre-announce customers, opting into the service before approaching ATM
- 5.4.2 Barclay's Initiative to help disabled passengers navigate branches using Beacon technology
- 5.4.3 US Bank and Citi using Beacons to revive underused high-street branches
6 MARKET SEGMENTATION
- 6.1 By Type
- 6.1.1 Solution
- 6.1.2 Services
- 6.2 By Application
- 6.2.1 Security
- 6.2.2 Monitoring
- 6.2.3 Data Management
- 6.2.4 Customer Experience Management
- 6.2.5 Other Applications
- 6.3 Geography
- 6.3.1 North America
- 6.3.2 Europe
- 6.3.3 Asia-Pacific
- 6.3.4 Rest of the World
7 COMPETITIVE LANDSCAPE
- 7.1 Company Profiles
- 7.1.1 IBM Corporation
- 7.1.2 Infosys Limited
- 7.1.3 Software AG
- 7.1.4 Temenos AG
- 7.1.5 Cisco Systems, Inc.
- 7.1.6 Microsoft Corporation
- 7.1.7 Oracle Corporation
- 7.1.8 Accenture PLC
- 7.1.9 Tibbo Systems
- 7.1.10 Vodafone Group PLC
