市場調查報告書
商品編碼
1498365
ATM(自動櫃員機)市場評估:依類型、解決方案、應用和地區劃分的機會和預測(2017-2031)Automated Teller Machine Market Assessment, By Type, By Solution, By Application, By Region, Opportunities and Forecast, 2017-2031F |
全球ATM(自動櫃員機)市場規模預計將從2023年的304.1億美元成長到2031年的454.1億美元,在2024-2031年的預測期內複合年增長率為5.14%。
ATM 市場的成長是由現金需求的增加、客戶滿意度、移動性需求、技術創新、Europay、Mastercard 和Visa (EMV) 採用率的提高、24 小時交易服務的可用性、金融包容性的提高、成本的降低等推動的。
指紋認證、生物辨識認證和雙重認證等改進的安全機制的整合預計將為技術先進的 ATM 增加新的安全層,並有助於防止詐欺。根據《India Cash Vibrancy Report》,2023 年 3 月,印度 ATM 機提領的現金激增 235%,達到 335.6 億美元。非接觸式 ATM 自助終端等技術進步使客戶可以透過掃瞄二維碼從 ATM 提取現金,而無需觸摸介面。由於客戶對行動性和 DIY 銀行業務的需求不斷增加,ATM 市場預計將繼續成長。
現金需求的增加推動市場成長:
對現金的需求仍然至關重要,特別是在新興市場和銀行基礎設施有限的地區。ATM 機是現金的主要來源,並且全天 24 小時開放。對於小額採購和個人交易等日常支出,現金仍然是首選。ATM 機可以輕鬆獲取現金並幫助人們管理財務。在緊急情況下,當由於停電或網路故障而無法使用電子支付時,現金也是必不可少的。在這種情況下,自動櫃員機是取得現金的主要來源。
ATM 的綜合功能推動市場成長:
隨著銀行業的發展以及對銀行相關服務和查詢的需求的增加,ATM 機提供了這些服務的替代方案。ATM 提供了一種簡單且快速的方式,可在銀行正常營業時間之外使用銀行服務,同時執行包括金融和非金融服務在內的多種功能。ATM 提供各種非金融服務,例如餘額查詢、PIN 碼變更、支票簿請求和其他查詢。由於這種多功能性,它在世界各地的需求量很大。
本報告調查了全球 ATM(自動櫃員機)市場,並提供市場定義和概述、市場規模趨勢和預測、各個細分市場和地區的詳細分析、行業結構以及影響市場成長的因素、案例研究、競爭格局、以及主要公司的簡介。
Global automated teller machine market is projected to witness a CAGR of 5.14% during the forecast period 2024-2031, growing from USD 30.41 billion in 2023 to USD 45.41 billion in 2031. Factors leading to the growth of automated teller machine market (ATM) are increasing demand for cash, customer satisfaction, and demand for mobility, technological innovations, increased rate of Europay, Mastercard & Visa (EMV) adoption, availability of transactional services around-the-clock, increasing financial inclusions, reduction in cost, efficiency gains, and the integration of contactless and mobile payments.
The integration of improved security mechanisms such as fingerprints, biometrics, and double authentication adds up to a separate security layer for technologically advanced ATMs, which is expected to help prevent fraud. According to the India Cash Vibrancy Report, cash withdrawals from ATMs in India have surged to 235 percent making USD 33.56 billion in March 2023. Technological advancements such as contactless ATM kiosks enable users to withdraw cash through ATMs by scanning a QR code without touching the interface. With the rise in customer demand for mobility and do-it-yourself banking, the automated teller machine market is anticipated to continue to grow in the coming years.
Increasing Demand for Cash is Driving the Market Growth
The demand for physical cash remains pivotal, especially in emerging markets and regions with limited banking infrastructure. ATM is the primary source of cash, which is easily accessible and available twenty-four by seven. Individuals still prefer cash for daily expenses, such as small purchases and personal transactions. ATMs provide convenient access to cash, helping people to manage their finances. In addition, cash is essential in emergencies when electronic payment methods may not be available due to power outages or network disruptions. ATMs serve as a main resource for obtaining cash in such scenarios.
Recently, Hitachi Payment Services, a subsidiary of Hitachi Limited, in collaboration with the National Payment Corporation of India, launched its first-ever UPI-ATM in India, "Hitachi Money Spot ATM," which will allow users to withdraw cash from ATMs without the card and PIN. Certain services such as public transportation, parking, and vending machines are accepting cash payments. ATMs ensure individuals have access to the required funds for such services. Therefore, the demand for cash is fueling the growth of the global automated teller machine market.
Comprehensive Functionality of ATMs is Fueling the Market Growth
As the banking industry is growing and there is an increase in demand to deal with the growth in banking-related services and queries, ATMs provide an alternative to such services. They offer an easy and quick way to avail banking services beyond the normal working hours of a bank, while performing multiple functions, including both financial as well as non-financial services. ATMs offer various non-financial services such as balance inquiries, PIN changes, requests for checkbooks, and other inquiries. Thus, the multiple-function feature has led to an increase in demand across the globe. One can withdraw and deposit cash from ATMs which is the core feature. Technological advancements such as using smart cards have made automated teller machines more accessible and user-friendly. Recently NCR Atleos, a self-service financial access for financial institutions, retailers, and consumers, has deployed its first multi-bank deposit ATMs in the United Kingdom.
North America Dominates the Global Automated Teller Machine Market Share
North America dominated the market due to the increasing requirement for a reduction in manual operations. As a result, customers opt for automated machines, such as ATMs, to carry out financial and non-financial banking services. Furthermore, most of the region's financial institutions promote ATM services and make customers aware of the benefits ATM provides. Other factors contributing to the market share are the use of advanced technology, including contactless payments and enhanced security features, government initiatives to promote the development of the automated teller machine market, and a strong focus on customer requirements and banking convenience.
Asia-Pacific is the fastest emerging market due to a huge population demanding cash-based transactions. The region's growing urbanization and expansion of retail industries are promoting growth in the automated teller machine market. According to reports, more than half of the world's ATMs are currently installed in Asia-Pacific.
Deployment of ATMs to Rule the Market
Deployment of ATMs rules the market with the largest market share. Customers can prevent lengthy queues at the branch and save time while completing transactions independently due to on-site ATMs, which are either placed within the branch or close to the bank's premises. ATMs are utilized for various banking tasks, including money transfers, deposits, and withdrawals. They reduce the probability of errors in withdrawals and deposits, indirectly enabling banks to have smooth and secure financial transactions. Also, adoption of ATMs has increased in the offsite solution sector. Both public and private ATMs have increased their service networks across various locations such as near airports, marketplaces, railway stations, and general places to provide convenient and easy access to customers. As of March 2024, Hitachi Payment Services announced the deployment of 10,000 White Label ATMs successfully across India.
Future Market Scenario (2024 - 2031F)
The automated teller machine market is propelling and soaring to new heights in the coming years as they are providing features and benefits that are consumer-friendly and easily accessible. The market is growing dynamically with technological innovation in contactless payments and withdrawals and strategic partnerships and collaborations.
In May 2024, Diebold Nixdorf announced its partnership with Bankart to modernize its European payment processing platform. The partnership will allow Bankart to leverage Diebold's API-driven technology to deliver broader functionality to their customers, including multi-national banks, with no operational impact or reduction in operational costs.
Key Players Landscape and Outlook
The global automated teller machine market is competitive as the market players are adopting various strategies such as partnerships, mergers and acquisitions, geographical expansion, and product launches, to enhance their presence in the market and are collaborating with technology-based firms to enhance banking services and promote contactless payments.
Diebold Nixdorf in August 2023 launched two new products, DN Series 600V teller cash recycler system for in-branch use and DN Series 430V, an outdoor walk-up cash recycler. DN Series 600V is designed to automate 90 percent of the transactions, increasing operational efficiency, and handling a large note capacity. DN Series 430V can withstand extreme climate conditions and when consumers need mostly cash.
Recently, Euronet announced the expansion of its independent ATM network with new launches in Belgium and Mexico. This will increase its global ATM footprint to 38 countries across Europe, Asia Pacific, Africa, and the Americas.
All segments will be provided for all regions and countries covered
Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work