數位交易管理 (DTM) -市場佔有率分析、行業趨勢和統計、成長預測（2025-2030 年）

預計 2025 年數位交易管理市場規模為 155.9 億美元，到 2030 年將達到 467.2 億美元，預測期內（2025-2030 年）的複合年成長率為 24.54%。

由於遠距辦公的增加和企業數位轉型的加強，COVID-19 的蔓延最初對市場產生了積極影響。公司希望能夠以無縫、高效的方式在任何地方開展業務。

關鍵亮點

• DTM 的採用正在增加，預計將來會吸收部分紙本文件。大多數企業正在採用數位平台來增加收益和利潤率。例如，Salesforce 採用了數位交易管理，幫助其銷售部門節省每份文件 20 美元，並將交貨時間縮短了 60%。此外，在銷售流程中引入電子簽章後，成交時間由原來平均兩天增加到一天內約 90%，一小時內約 71%。
• 業務自動化是一種透過使用數位技術以最少的人為干預執行任何業務流程來提高組織效率的方法。 RPA 和低程式碼自動化等技術進步正在為更安全的貿易管理解決方案鋪平道路。例如，區塊鏈技術包含一系列帶有時間戳記的資料記錄，將所有文件連結在一起。每筆交易都可以看作是發起交易的用戶透過數位簽章給予同意的證明。基於區塊鏈技術建構的數位交易管理解決方案，採用去中心化的網路進行交易管理，防止惡意攻擊。
• 雲端基礎的解決方案的日益普及可能會進一步對數位交易管理市場產生積極影響。每個企業，無論是小型或中型，大型或超大型，都需要在某種程度上管理其工作流程。跨部門和跨機構的工作流程是一項挑戰，因為員工和經理可能使用不同的系統，而且可能會有大量的旅行。擁有一個雲端基礎的解決方案，允許所有團隊成員與文件進行交互，使得管理數位交易的過程變得無縫且成本更低。這種雲端基礎的解決方案透過數位化加快了業務協議和合約的達成。
• 與網路攻擊和詐欺數位交易相關的漏洞日益增多可能會抑制市場的成長。中小企業保護其資產和網路安全的能力不如大公司，這使得它們更無力應對詐騙和網路攻擊的風險。為了避免這種潛在風險，公司透過提供最新材料和定期進行網路安全檢查來保護客戶。
• 新冠肺炎疫情迫使消費者和企業調整消費模式，對市場產生了負面影響。為了防止疫情蔓延，使用行動錢包進行非接觸式付款的需求日益增加。亞馬遜、Flipkart 和 Myntra 等電子商務巨頭也限制現金付款。這推動了數位交易管理的成長。預計即使疫情爆發後，這一趨勢仍將持續下去。公司正在尋求提供更好的價值以在競爭激烈的市場中保持領先地位。

數位交易管理市場趨勢

BFSI 產業預計將佔據主要市場佔有率

• 傳統銀行正在轉型成為新型態、敏捷、具有策略重點的金融機構。複雜多變的法規、激烈的競爭以及苛刻的客戶所帶來的各種挑戰促使人們向數位轉型邁進。此外，隨著雲端基礎的解決方案的日益普及，BFSI 行業將在預測期內見證重大變化。
• 銀行業正在經歷數位轉型之旅。今年 12 月，Zimpler 推出了 PayLink 解決方案，可增強發票功能並幫助企業透過重定向到其銀行應用程式的付款連結發送數位發票。金額將自動從您的帳戶中扣除，您的客戶無需使用卡片即可付款帳單，從而加速您的數位轉型。
• 疫情和相關發展以及對數位化的日益關注，對銀行業的趨勢產生了重大影響。據印度儲備銀行稱，上個會計年度，印度全國進行的數位交易超過 60 兆印度盧比（7,280 億美元），預計在預測期內將增至 385 兆印度盧比（4.7 兆美元）。銀行業金融交易的大幅增加正在推動數位交易管理市場的需求。
• 此外，Finastra 最近的一項調查顯示，企業銀行客戶正將重點轉向即時執行能力、改進的線上平台存取和附加價值服務。為了因應這種情況，銀行正在從傳統的關係管理模式轉向數位平台，以便更快、更靈活地回應客戶需求。
• 隨著消費者對數位銀行解決方案的興趣日益濃厚，在該領域營運的公司也在加大對數位解決方案的採用。例如，Raiffeisen Bank International (RBI) 已與 Moxtra 合作宣布推出 RaiConnect，這是虛擬分店服務，旨在為客戶提供數位體驗。

預計北美將佔據較大的市場佔有率

• 數位交易管理服務可以幫助企業加速交易完成，從電子簽章和無紙化程序等基本任務到工作流程和內容自動化等更複雜的 DTM 流程。該服務透過可靠、快速和保密的方式將整個流程數位化，自動化了許多企業傳統上在紙上執行的活動，例如提案、協作、查詢、資料聚合和合約。由於企業日益向自動化轉變、雲端運算的採用、行動端的快速採用以及大型企業佔據相當大的市場佔有率。
• 《統一電子交易法案》（UETA）和《全球和國家商業電子簽章簽名法案》（E-SIGN）等與電子簽章相關的政府舉措允許在所有交易中使用電子簽章，在促進市場發展方面發揮重要作用。 《美國-墨西哥-加拿大協定》（USMCA）等貿易協定也鼓勵使用電子簽章。
• 幾家主要供應商正在推出創新服務以保持競爭力。這些公司正在致力於技術進步，例如推出基於美國的簽章檢驗平台 Mitek 的 Check Intelligence。隨著技術的快速進步，加上政府監管的不斷加強，改進的數位身分法律將滿足該地區對數位交易管理的需求。
• 夥伴關係正在塑造該地區的市場格局。 Lone Wolf Technologies 與 Minnesota Realtors 簽署了一項新協議，提供房地產交易管理解決方案，包括 Lone Wolf Transactions（zipForm 版）和 Lone Wolf Transactions（TransactionDesk 版）。

數位交易管理產業概況

全球數位交易市場競爭激烈，許多地區和全球參與企業都參與其中，例如 DocuSign、OneSpan 和 Adob​​e。市場上有各種各樣的參與者。供應商不斷提供符合技術進步的創新解決方案，並最終透過各個終端用戶產業的垂直整合來滿足客戶日益成長的需求。 EthSign、ThinkSmart LLC等多家新興企業也進入了這個市場。

• 2022年11月，奈及利亞金融科技公司Pivo籌集了200萬美元的種子資金，用於升級現有產品並開發新產品，以改善供應鏈中的數位交易管理。 Pivo 還計劃資金籌措將業務擴展到拉各斯辦事處以外，並擴大其在東非的團隊。
• 2022 年 10 月，值得信賴的房地產經紀人交易管理平台 Skyslope 與美國房地產公司 Allen Tate Realtors 合作，向 1,700 名經紀人提供 Skyslope 的服務。該合作夥伴關係代表 3,000 家房地產辦事處和超過 117,000 名代理商，並提供一流的交易體驗，包括 DTM 和 Skyslope Forms 等工具和功能。

其他福利

• Excel 格式的市場預測 (ME) 表
• 3 個月的分析師支持

目錄

第 1 章 簡介

• 研究假設和市場定義
• 研究範圍

第2章調查方法

第3章執行摘要

第4章 市場動態

• 市場概況
• 市場促進因素
  • 電子簽章的興起與雲端服務的採用
  • 專注於業務自動化
  • BFSI 產業預計將佔據主要市場佔有率
• 市場問題
  • 遭受網路攻擊和詐欺數位交易的風險日益增加
• 產業吸引力-波特五力分析
  • 供應商的議價能力
  • 買家的議價能力
  • 新進入者的威脅
  • 替代品的威脅
  • 競爭對手之間的競爭
• 產業價值鏈分析
• COVID-19 市場影響評估

第5章 市場區隔

• 按組件
  • 解決方案
  • 按服務
• 按組織規模
  • 中小型企業
  • 大型企業
• 按最終用戶產業
  • BFSI
  • 醫療
  • 零售
  • 資訊科技/通訊
  • 其他
• 按地區
  • 北美洲
  • 歐洲
  • 亞太地區
  • 其他

第6章 競爭格局

• 公司簡介
  • DocuSign Inc.
  • Adobe Inc.
  • ZorroSign Inc.
  • Nintex Group Pty Ltd
  • Namirial SpA
  • HelloSign Inc.（Dropbox Inc.）
  • OneSpan Inc.
  • eOriginal Inc.
  • SignEasy
  • Mitratech Holdings Inc.
  • AssureSign LLC
  • Topaz Systems Inc.
  • PandaDoc Inc.
  • PactSafe Inc.
  • InfoCert

第7章投資分析

第8章 市場機會與未來趨勢

The Digital Transaction Management Market size is estimated at USD 15.59 billion in 2025, and is expected to reach USD 46.72 billion by 2030, at a CAGR of 24.54% during the forecast period (2025-2030).

The spread of COVID-19 positively impacted the market initially due to the rise in remote working and growing digital transformation across businesses. Enterprises are seeking business methods that are seamless and efficient and can be done from anywhere.

Key Highlights

• The adoption of DTM is increasing, and it is expected to absorb several parts of paper documents in the future. Most companies are embracing digital platforms to increase revenue and profitability. For instance, Salesforce adopted digital transaction management, and the company's sales organization experienced a USD 20 savings per document and a 60% reduction in turnaround times. The company also adopted electronic signature within their sales process, and the deal close time from an average of around two days down to about 90% of deals closing in one day and 71% closing in one hour.
• Business automation is a way to increase organizational efficiency by leveraging digital technologies to carry out all business processes with minimal human intervention. Technological advancements such as RPA and low-code Automation are paving the way for more secure transaction management solutions. For instance, Blockchain Technology provides a series of timestamped data records in the form of a chain linking all the documents. Every transaction can be considered proof of consent given by the user who initiated the transaction using digital signatures. The digital transaction management solutions built on blockchain technology use a decentralized network for transaction management to prevent malicious attacks.
• Increased adoption of cloud-based solutions would further positively impact the digital transaction management market. Small and large businesses must manage workflows on some level. Interdepartmental and cross-agency workflows are challenging as employees and managers may be on different systems that might perform substantial transfers. A cloud-based solution that allows every team member to interact with documents would make the digital transaction management process seamless and less costly. These cloud-based solutions speed up signing business agreements and contracts by digitalizing the process quickly, securely, and accurately.
• Increasing vulnerability related to Cyber-attacks and fraudulent digital transactions could restrain the market growth. Small businesses counter the risk of fraud and cyber-attacks because they lack the assets and cybersecurity safety measures compared to larger organizations. To avoid this potential risk, companies protect clients by providing them with the most up-to-date materials and regular cybersecurity check-ins.
• The COVID-19 pandemic negatively impacted the market with a forced adjustment in consumer and business spending patterns. The demand for contactless payments have increased through the use of mobile wallets to prevent the spread of the pandemic. Further e-commerce giants like Amazon, Flipkart, Myntra, etc., have also restricted cash payments. Such things strive for the growth of Digital Transaction Management. This trend is expected to continue even after the pandemic's impact. The companies look forward to offering higher values to gain a competitive edge in a highly competitive market.

Digital Transaction Management Market Trends

BFSI Industry is Expected to Hold a Significant Market Share

• Traditional banks have been turning to new and strategically focused agile institutions. The diverse challenges related to the ever-changing complex regulations, intense competition, and demanding customers have resulted in an alignment toward digital transformation. Also, along with the rise in cloud-based solution adoption, the BFSI industry is set to witness a significant change over the forecast period.
• The banking sector was moving towards digital transformation initiatives. In December this year, Zimpler launched a pay link solution to augment invoices and help businesses to send digital invoices through a payment link that redirects to the banking app. The amount will be auto-debited from the account, and the customer does not need cards to pay for the invoice to accelerate their digital transformation.
• The pandemic and related developments, along with a growing focus on digitization, have significantly impacted trends in the banking industry. According to the Reserve Bank of India, during the last fiscal year, over 35 billion digital transactions worth INR 60 trillion (USD 728 billion) across India were done and are projected to rise to INR 385 trillion (USD 4.7 trillion) over the forecast period. The vast increase in the rise of financial transactions in the banking sector drives the demand for Digital Transaction Management Market.
• Moreover, a recent Finastra study showcased that corporate banking clients have been shifting their focus towards real-time execution capabilities, better access to online platforms, and value-added services. In response, the banks are moving away from the traditional relationship management model toward a digital platform that can meet the client's needs faster, more flexibly, and agilely.
• With the growing consumer propensity towards digital banking solutions, enterprises operating in the space are increasingly adopting digital solutions. For instance, to provide a digital experience for customers, Raiffeisen Bank International (RBI) announced the launch of RaiConnect, a virtual branch service featuring a full suite of collaborative modules and ePaper workflows in partnership with Moxtra.

North America is Expected to Hold a Significant Market Share

• Digital transaction management services can accelerate signing corporate contractual agreements from basic tasks like e-Signatures and paperless procedures to more intricate DTM processes like workflow and content automation. It automates activities that many businesses have traditionally done on paper, such as proposals, collaborations, inquiries, data compiling, and agreements, by digitizing the entire process in a reliable, rapid, and confidential manner. North America holds a significant market share, primarily owing to the increasing shift of enterprises toward automation, cloud adoption, exponential mobile adoption, and the presence of major players occupying a significant market share.
• Government initiatives related to e-signatures, such as the Uniform Electronic Transactions Act (UETA) and Electronic Signatures in Global and National Commerce Act (E-SIGN), permit e-sign usage for every transaction, thereby playing a significant role in driving the market. Trade deals, such as the United States-Mexico-Canada Agreement (USMCA), also encourage using e-signatures.
• Multiple key vendors are rolling out innovative offerings to remain competitive. The companies are involved in technological advancements, such as the launch of Check Intelligence by Mitek, a US-based signature verification platform. With such rapid technological advancement, alongside increased regulation by the government Improving Digital Identity Act strives to meet the Digital Transaction Management demand in the region.
• Partnerships are shaping the market landscape in the region. Lone Wolf Technologies signed a new agreement with Minnesota Realtors to provide transaction management solutions for real estate, including Lone Wolf Transactions (zipForm Edition) and Lone Wolf Transactions (TransactionDesk Edition).

Digital Transaction Management Industry Overview

The Global Digital Transaction Market is significantly competitive with many regional and global players such as DocuSign, OneSpan, Adobe, etc. The presence of well-diversified players characterizes the market. The vendors consistently provide innovative solutions in line with the advancement in technologies that eventually cater to customers' increasing needs across various end-user industry verticals. Many Startups, such as EthSign, and ThinkSmart LLC, have also entered the market.

• In November 2022, Pivo, a Nigerian-based fintech firm, raised USD 2 million in seed funding to upgrade its existing products and develop new products to improve digital transaction management in the supply chain. Pivo also plans to expand its presence to East Africa outside its Lagos office and grow its team with this funding.
• In October 2022, Skyslope, a trusted realtor transaction management platform, partnered with USA-based real estate agency Allen Tate Realtors to offer SkySlope services to 1700 agents. The alliance represents more than 117,000 agents in 3,000 real estate offices to provide best-in-class transaction experience that includes DTM and tools and features like SkySlope Forms.

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 DYNAMICS

• 4.1 Market Overview
• 4.2 Market Drivers
  • 4.2.1 Rise in E-signatures and Adoption of Cloud Services
  • 4.2.2 Focus on Business Automation
  • 4.2.3 BFSI Industry is Expected to Hold a Significant Market Share
• 4.3 Market Challenges
  • 4.3.1 Increasing Vulnerability Related to Cyber-attacks and Fraudulent Digital Transactions
• 4.4 Industry Attractiveness - Porter's Five Forces Analysis
  • 4.4.1 Bargaining Power of Suppliers
  • 4.4.2 Bargaining Power of Buyers
  • 4.4.3 Threat of New Entrants
  • 4.4.4 Threat of Substitutes
  • 4.4.5 Intensity of Competitive Rivalry
• 4.5 Industry Valuechain Analysis
• 4.6 Assessment of COVID-19 Impact of on the Market

5 MARKET SEGMENTATION

• 5.1 By Component
  • 5.1.1 Solution
  • 5.1.2 Service
• 5.2 By Organization Size
  • 5.2.1 Small and Medium Enterprise
  • 5.2.2 Large Enterprise
• 5.3 By End-user Industry
  • 5.3.1 BFSI
  • 5.3.2 Healthcare
  • 5.3.3 Retail
  • 5.3.4 IT and Telecommunication
  • 5.3.5 Other End-user Industries
• 5.4 By Geography
  • 5.4.1 North America
  • 5.4.2 Europe
  • 5.4.3 Asia Pacific
  • 5.4.4 Rest of the World

6 COMPETITIVE LANDSCAPE

• 6.1 Company Profiles
  • 6.1.1 DocuSign Inc.
  • 6.1.2 Adobe Inc.
  • 6.1.3 ZorroSign Inc.
  • 6.1.4 Nintex Group Pty Ltd
  • 6.1.5 Namirial SpA
  • 6.1.6 HelloSign Inc. (Dropbox Inc.)
  • 6.1.7 OneSpan Inc.
  • 6.1.8 eOriginal Inc.
  • 6.1.9 SignEasy
  • 6.1.10 Mitratech Holdings Inc.
  • 6.1.11 AssureSign LLC
  • 6.1.12 Topaz Systems Inc.
  • 6.1.13 PandaDoc Inc.
  • 6.1.14 PactSafe Inc.
  • 6.1.15 InfoCert

7 INVESTMENT ANALYSIS

8 MARKET OPPORTUNITIES AND FUTURE TRENDS