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1692152

智慧卡 MCU：市場佔有率分析、產業趨勢與統計、成長預測（2025-2030 年）

Smartcard MCU - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2025 - 2030)
出版日期: | 出版商: Mordor Intelligence | 英文 148 Pages | 商品交期: 2-3個工作天內

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簡介目錄

智慧卡 MCU 市場規模預計在 2025 年為 35 億美元，預計到 2030 年將達到 45.2 億美元，預測期內（2025-2030 年）的複合年成長率為 5.29%。

就單位出貨量而言，預計將從 2025 年的 93.2 億台成長到 2030 年的 155.3 億台，預測期間（2025-2030 年）的複合年成長率為 10.74%。

智慧卡 MCU-市場-IMG1

主要亮點

  • 隨著網際網路的快速擴張，電子商務對於電腦使用者來說即使不是一種習慣也已經成為現實。然而，目前電子商務應用中使用的經營模式無法充分發揮電子媒介的潛力。
  • 市場發展的驅動力是RFID技術和NFC在智慧卡領域的不斷發展。接觸型智慧卡利用無線射頻辨識（RFID）技術的快速發展，變得越來越流行。這些卡片使用 RFID 技術來處理交易。隨著主要供應商專注於接觸型智慧卡的採用，不斷成長的消費者需求正在推動市場的成長。
  • 智慧卡技術在交通運輸產業的廣泛應用，以及政府對數位技術採用的投資不斷增加，正在推動市場成長。電子智慧付款卡現在已成為交通運輸業者可行的替代付款方式。近年來，許多商家和系統供應商推出了基於智慧卡的系統來補充甚至取代現有的付款方式。
  • 此外，安全性和小型化是智慧卡技術發展最快的兩個面向。隨著世界逐漸轉向更安全的 EMV 銀行卡，最新一代智慧卡擁有完整的片上加密技術，大大增強了整個產業的卡片安全性。
  • 此外，IC 卡正日益小型化，形成各種形狀，如迷你標籤和智慧穿戴裝置。隨著智慧卡擴大被用作與電話和生物識別技術並列的第二因素憑證，這一趨勢可能會持續下去。
  • 智慧卡面臨的主要挑戰是其安全等級。為了充分發揮其潛力，智慧卡必須與各種介面進行互動。然而，公眾認知中出現了安全問題。人們可能需要知道儲存在卡上的個人資訊是否安全。然而，必須認知到，從智慧卡中提取的任何資訊都將在其他地方被收集和分析。

智慧卡 MCU 市場趨勢

BFSI 有望成長

  • 目前，銀行和金融機構的智慧卡均採用專用積體電路卡，並具有強大的安全保障措施。這些卡包含一個記憶體晶片和一個微處理器，可以安全地儲存和處理資料。這些卡片在金融活動中發揮多種功能，包括交易認證、安全存取網路銀行服務、簽帳金融卡卡和信用卡付款以及非接觸式支付方式。
  • 付款流程的數位化很大程度上得益於網際網路的發展和電子商務的出現。這種轉變催生了豐富的電子付款選項，包括付款卡（信用卡和金融卡）到數位錢包、電子現金和非接觸式付款方式。日益普及的行動付款服務目前正經歷轉型期，為未來的技術進步做好準備。利用智慧卡技術的付款方式的進步預計將推動市場成長。
  • 智慧卡包含 MCU（微控制器單元），與個人識別碼（PIN）一起廣泛使用。 MCU 有多種用途，包括增強組織的安全性、充當多因素身份驗證 (MFA) 令牌以及對單一登入 (SSO) 使用者進行身份驗證。由於疫情以及 Apple Pay、Klarna、Stripe 和 Amazon Pay 等替代付款方式的興起，線上交易的激增已經超過了面對面交易。這些進步將大大擴展智慧卡技術的工業應用範圍。
  • EMV 卡技術採用整合在信用卡和簽帳金融卡中的小型、堅固的晶片，並正在成為一種不斷發展的付款解決方案。 EMV 是 Europay、Mastercard 和 Visa 的首字母縮寫，象徵著該行業標準背後的共同努力。這些先進的卡片對於透過減少信用卡詐欺造成的損失、促進更安全的付款環境和確保更安全的交易體驗來增強業務和客戶安全至關重要。
  • 大多數新型 EMV 卡和基於晶片的讀卡器都配備了近距離場通訊(NFC) 技術，可實現非接觸式付款。顧客只需將卡片放在讀卡機上輕觸即可實現更快、更安全的交易。除了增強的安全性之外，EMV 智慧卡還透過卡片和終端之間的安全通訊提供更高的速度和便利性，使商家和持卡人均受益。
  • EMV 卡包含一個晶片，該晶片採用加密演算法在每次使用時資料進行唯一加密，從而使交易更加安全。在刷卡交易期間，這些卡片採用雙重身分驗證流程，需要實體卡片和客戶的密碼。此身份驗證方法可以驗證持卡人，並允許驗證和核准晶片產生的動態密碼(OTP)。預期的技術進步將推動對智慧卡技術的廣泛需求，從而推動短期市場成長。

預計亞太地區將佔據主要市場佔有率

  • 亞太地區智慧卡技術的採用正朝向多應用智慧卡轉變。這些卡片具有多種用途，包括付款、識別和門禁，為消費者帶來便利和效率，為企業節省成本。此外，人們對改善智慧卡安全功能的需求也日益成長，尤其是隨著網路交易的增加。
  • 智慧卡技術在印度越來越受歡迎，部分原因是政府對數位化的重視。幾乎每個印度公民都可能擁有某種形式的智慧卡。這些卡片廣泛應用於銀行、醫療保健、交通和政府識別等各個領域。例如，在印度，智慧卡用於駕駛執照/登記證 (DL/RC)、多用途國民身份證(MNIC)、國家身分證計畫 (RSBY)、電子護照 (e-Passport) 等。該地區智慧卡技術的採用率不斷提高，預計將推動市場發展。
  • 預計在不久的將來，數位付款和智慧卡的需求將會激增。印度 BFSI 產業正在見證智慧卡技術的日益普及，預計將為 MCU 製造商帶來巨大的前景。特別是在國家智慧卡計畫（RSBY）下營運的保險公司和銀行的業務代表已經生產了數百萬張晶片卡，使印度成為智慧卡技術採用速度最快的國家之一。預計這些因素將刺激市場需求。
  • 印度採用智慧卡技術也提高了普通公民的生活品質，使社會福利計劃和交通系統受益。其中一個例子是 Shakti 智慧卡計劃，該計劃允許居住在卡納塔克邦的女性自由乘坐非高級公車。 EMVCo 表示，印度智慧卡舉措縮短了交易時間、減少了損失並提高了受益人的滿意度。智慧卡等創新技術的使用有可能增強未來的福利計劃。
  • 配備了能夠建立短距離無線連接的MCU的智慧付款卡有可能用於非接觸式付款系統。該地區非接觸感應卡的使用持續成長，隨著其普及率的提高，透過這種方式進行的付款量大幅增加，從而導致市場需求顯著增加。

智慧卡 MCU 市場概況

智慧卡MCU市場呈現半整合態勢，主要參與者之間的競爭日益激烈。這一格局的特點是，受一體化程度不斷提高、技術進步和地緣政治情勢演變的影響，情勢不斷波動。隨著企業更加重視技術創新以獲得永續的競爭優勢以及終端用戶產業新客戶需求的激增，競爭將愈演愈烈。

在這種背景下，當考慮微控制器製造中最終用戶的品質期望時，品牌標識至關重要。此市場滲透率較高，知名企業包括英飛凌科技股份公司、瑞薩電子株式會社、德州儀器公司、義法半導體公司等。

2023年9月，GlobalFoundries與Microchip Technology透過Microchip旗下子公司SST（Silicon Storage Technology）宣布推出SST ESF3第三代嵌入式SuperFlash技術NVM解決方案。此尖端解決方案目前已在 GF 28SLPe晶圓代工廠製程上投入生產，並受到 GF 客戶的一致好評。它具有出色的性能、出色的可靠性、豐富的IP選擇和成本效益，可以在先進的MCU、複雜的智慧卡以及消費性和工業物聯網晶片中找到理想的應用。

2023 年 6 月，三星電子推出了一款具有一體化付款解決方案的生物識別卡 IC，有望帶來革命性的付款體驗。全新指紋安全晶片在2023年CES上獲得高度認可，榮獲網路安全與個人隱私類別最佳創新獎。

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
    • 競爭對手之間的競爭
    • 替代品的威脅
  • 產業價值鏈分析
  • 新冠肺炎疫情與宏觀經濟趨勢對市場的影響

第5章 市場動態

  • 市場促進因素
    • 數位科技快速發展
    • 政府增加對交通系統的投資
  • 市場挑戰
    • 行動和數位錢包日益普及

第6章 市場細分

  • 按產品
    • 8 位元
    • 16 位元
    • 32 位元
  • 按功能
    • 交易
    • 通訊
    • 安全存取控制
  • 按最終用戶產業
    • BFSI
    • 通訊業
    • 政府和醫療保健
    • 教育
    • 零售
    • 運輸
    • 其他最終用戶產業
  • 按地區
    • 北美洲
    • 歐洲
    • 亞洲
    • 澳洲和紐西蘭
    • 拉丁美洲
    • 中東和非洲

第7章 競爭格局

  • 公司簡介
    • NXP Semiconductors NV
    • Renesas Electronics Corporation
    • Infineon Technologies AG
    • STMicroelectronics
    • Microchip Technology Inc.
    • Idemia Group
    • Thales group
    • Giesecke+Devrient
    • Zilog, Inc.
    • Samsung Electronics Co. Ltd

第8章 投資分析及市場展望

簡介目錄
Product Code: 90910

The Smartcard MCU Market size is estimated at USD 3.50 billion in 2025, and is expected to reach USD 4.52 billion by 2030, at a CAGR of 5.29% during the forecast period (2025-2030). In terms of shipment volume, the market is expected to grow from 9.32 billion units in 2025 to 15.53 billion units by 2030, at a CAGR of 10.74% during the forecast period (2025-2030).

Smartcard MCU - Market - IMG1

Key Highlights

  • The Internet's rapid expansion has made electronic shopping a real possibility among computer users if not a habit; nevertheless, the present business model used in electronic commerce applications cannot fully exploit the potential of the electronic medium.
  • The market growth is driven by the increasing development in RFID technology and NFC in smart cards. Contactless smart cards, leveraging the rapid evolution of radio frequency identification (RFID) technology, are gaining popularity. These cards use RFID technology to process transactions. Key vendors are concentrating on introducing contactless smart cards due to their growing consumer demand, which is expected to fuel market growth.
  • The proliferation of smart card technology in the transportation industry, along with growing government investments in implementing digital technology, drives market growth. Electronic smart cards are now viable alternative payment methods for transport operators. In recent years, many operators and system providers have initiated smart card-based systems either to complement or replace existing payment methods.
  • Furthermore, security and miniaturization represent the two fastest-evolving aspects of smart card technology. With global migration to higher security EMV banking cards, the newest generation of smart cards boasts full on-chip cryptography, significantly enhancing industry-wide card security.
  • Moreover, smart cards are increasingly being miniaturized into diverse form factors like mini-tags and smart wearables. These trends will persist as smart cards are increasingly employed as a two-factor credential alongside phones or biometrics.
  • The primary challenge facing smart cards is their security level. To realize their full potential, smart cards must interact with various interfaces. However, a security issue arises concerning public perception; people might need to be made aware of the personal details stored on their cards, assuming they are secure. Yet, there needs to be an awareness that information extracted from smart cards is collected and analyzed elsewhere.

Smartcard MCU Market Trends

BFSI to Witness the Growth

  • Smart cards for banking and finance now incorporate specialized integrated circuit cards, ensuring robust security measures. These cards house embedded memory chips and microprocessors, enabling secure data storage and processing. They serve diverse functions in financial activities, including transaction authentication, secure access to online banking services, debit and credit card payments, and contactless payment methods.
  • The digitization of payment processes owes much to the Internet's development and the emergence of e-commerce. This transition has led to a plethora of electronic payment options, ranging from payment cards (credit and debit) to digital wallets, electronic cash, and contactless payment methods. The surging popularity of mobile payment services is currently undergoing a transitional phase, poised for future technological advancements. These advancements in payment methods are expected to leverage smart card technology, driving market growth.
  • Smart cards featuring MCUs (microcontroller units) are commonly used alongside personal identification numbers (PINs). They serve multiple purposes, enhancing organizational security, acting as multifactor authentication (MFA) tokens, and verifying single sign-on (SSO) users, ultimately facilitating passwordless authentication. The rapid increase in online transactions, partly due to the pandemic and the rise of alternative payment methods like Apple Pay, Klarna, Stripe, and Amazon Pay, has surpassed face-to-face transactions. These advancements significantly expand the potential applications of smart card technology in the industry.
  • EMV card technology, employing compact yet robust chips integrated into credit and debit cards, is increasingly recognized as an evolving payment solution. EMV, an acronym for Europay, Mastercard, and Visa, denotes the collaborative efforts behind this industry standard. These advanced cards are indispensable in fortifying businesses and customer security by mitigating credit card fraud losses, fostering a more secure payment environment, and ensuring a safer transactional experience.
  • Most new EMV cards and chip-based readers come equipped with near-field communication (NFC) technology, enabling contactless payments. Customers can wave their cards across the reader, facilitating quicker and more secure transactions. Besides heightened security, EMV smart cards offer enhanced speed and convenience by securely communicating between the card and the terminal, benefitting both merchants and cardholders.
  • EMV cards, featuring chips employing cryptographic algorithms, heighten transaction security by uniquely encrypting data with each use. During card-present transactions, these cards employ a dual verification process, requiring the physical card and the customer's PIN. This authentication method validates the cardholder, enabling the confirmation and approval of the one-time password (OTP) generated by the chip. Anticipated technological advancements are poised to stimulate extensive demand for smart card technology, propelling market growth in the foreseeable future.

Asia-Pacific Expected to Hold Significant Market Share

  • The adoption of smart card technology in the APAC is experiencing a change towards multi-application smart cards. These cards are being used for multiple purposes, such as payment, identification, and access control, resulting in greater convenience and efficiency for consumers and cost savings for businesses. Moreover, the need for enhanced security features in smart cards has been growing, particularly with the increase in online transactions.
  • Smart card technology has gained widespread popularity in India, owing to the government's focus on digitalization. Almost every Indian citizen probably possesses some form of a smart card. These cards are extensively utilized in various sectors, such as banking, healthcare, transportation, and government identification. For example, smart cards are employed for Driving License/Vehicle Registration Certificate (DL/RC), Multi-purpose National Identity Card (MNIC), Rashtriya Swasthya Bima Yojana (RSBY), and Electronic Passport (e-Passport) in India. The increasing adoption of smart card technology in the region is expected to drive the market.
  • The near future is expected to witness a surge in the demand for digital payments and smart cards. The Indian BFSI sector is progressively embracing smart card technology, which is anticipated to provide substantial prospects for MCU makers. Notably, insurance companies operating under the Rashtriya Swasthya Bima Yojana (RSBY) and business correspondents for banks are producing millions of chip cards, making India one of the swiftest adopters of smart card technology. Such factors are expected to drive the demand for the market.
  • In addition, implementing smart card technology in India has benefited social welfare programs and transportation systems, as it has improved the quality of life for the general public. An example is the Shakti smart card scheme, which enables women residing in Karnataka to travel freely on non-premium buses. According to EMVCo, the Smart Card India initiative has reduced transaction time, minimized losses, and increased satisfaction among beneficiaries. The utilization of innovative technologies like smart cards has the potential to enhance future welfare programs.
  • Smart cards equipped with MCUs that possess the ability to establish short-range wireless connections have the potential to be utilized in contactless payment systems. As the usage of contactless cards continues to rise and their adoption rates increase within the region, the volume of payments conducted through this method has experienced a substantial surge, consequently generating a notable market demand.

Smartcard MCU Market Overview

The smartcard MCU market demonstrates semi-consolidation, marked by intensifying competition among major players. This landscape is characterized by fluctuations influenced by growing consolidation, technological advancements, and evolving geopolitical scenarios. With a pronounced emphasis on innovation for sustainable competitive advantage, competition is poised to escalate, buoyed by the anticipated surge in demand from new customers within end-user industries.

In this context, brand identity assumes paramount importance, given the expectations of quality from end-users in microcontroller manufacturing. The market features prominent incumbents like Infineon Technologies AG, Renesas Electronics Corporation, Texas Instruments Incorporated, and STMicroelectronics NV, resulting in high market penetration levels.

September 2023 witnessed the unveiling of the SST ESF3 third-generation embedded SuperFlash technology NVM solution by GlobalFoundries and Microchip Technology, introduced through Microchip's subsidiary, Silicon Storage Technology (SST). Now available for production in the GF 28SLPe foundry process, this cutting-edge solution has garnered commendation from GF's clientele. It boasts remarkable performance, exceptional reliability, a diverse array of IP options, and cost efficiency, finding ideal applications in advanced MCUs, intricate smart cards, and IoT chips for consumer and industrial use.

In June 2023, Samsung Electronics introduced a biometric card IC featuring an all-in-one payment solution, promising an innovative payment experience. This new fingerprint security chip earned recognition as the winner of the CES 2023 Best of Innovation Awards in the Cybersecurity & Personal Privacy category.

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 Substitutes
  • 4.3 Industry Value Chain Analysis
  • 4.4 Impact of COVID-19 and Macroeconomic Trends on the Market

5 MARKET DYNAMICS

  • 5.1 Market Drivers
    • 5.1.1 Rapid Development of Digital Technologies
    • 5.1.2 Increasing Investments by Governments in Transportation Systems
  • 5.2 Market Challenges
    • 5.2.1 Growing Popularity of Mobile or Digital Wallets

6 MARKET SEGMENTATION

  • 6.1 By Product
    • 6.1.1 8-bit
    • 6.1.2 16-bit
    • 6.1.3 32-bit
  • 6.2 By Functionality
    • 6.2.1 Transaction
    • 6.2.2 Communication
    • 6.2.3 Security and Access Control
  • 6.3 By End-user Industry
    • 6.3.1 BFSI
    • 6.3.2 Telecommunications
    • 6.3.3 Government and Healthcare
    • 6.3.4 Education
    • 6.3.5 Retail
    • 6.3.6 Transportation
    • 6.3.7 Other End-User Industries
  • 6.4 By Geography
    • 6.4.1 North America
    • 6.4.2 Europe
    • 6.4.3 Asia
    • 6.4.4 Australia and New Zealand
    • 6.4.5 Latin America
    • 6.4.6 Middle East and Africa

7 COMPETITIVE LANDSCAPE

  • 7.1 Company Profiles
    • 7.1.1 NXP Semiconductors NV
    • 7.1.2 Renesas Electronics Corporation
    • 7.1.3 Infineon Technologies AG
    • 7.1.4 STMicroelectronics
    • 7.1.5 Microchip Technology Inc.
    • 7.1.6 Idemia Group
    • 7.1.7 Thales group
    • 7.1.8 Giesecke+Devrient
    • 7.1.9 Zilog, Inc.
    • 7.1.10 Samsung Electronics Co. Ltd

8 INVESTMENT ANALYSIS AND MARKET OUTLOOK