市場調查報告書
商品編碼
1592666
歐洲基於語音的支付市場預測至 2030 年 - 區域分析 - 按組件(軟體和硬體)、企業規模(大型企業和中小企業)和行業(BFSI、汽車、醫療保健、零售、政府等)Europe Voice-Based Payments Market Forecast to 2030 - Regional Analysis - by Component (Software and Hardware), Enterprise Size (Large Enterprises and SMEs), and Industry (BFSI, Automotive, Healthcare, Retail, Government, and Others) |
2022年歐洲語音支付市值為18.8277億美元,預計2030年將達到43.2362億美元;預計2022年至2030年複合年成長率為11.0%。
自然語言處理 (NLP) 技術的進步推動歐洲語音支付市場
自然語言處理 (NLP) 技術的進步已成為商業領域的變革力量,對語音支付市場產生了重大影響。 NLP 專注於使機器能夠以模擬自然交流的方式理解、解釋和回應人類語言。這項技術進步對於尋求增強客戶互動、自動化流程以及從非結構化資料中提取有價值見解的企業具有重大意義。在客戶服務和參與方面,企業正在使用複雜的 NLP 演算法來開發聊天機器人和虛擬助理。這些智慧型系統可以理解客戶的查詢並做出回應,提供即時支援並改善整體用戶體驗。這提高了營運效率,並使企業能夠提供個人化和反應迅速的服務,從而加強客戶關係。
NLP 的進步在資料分析和決策過程中發揮關鍵作用。企業可以利用 NLP 演算法從大量非結構化文字資料中提取有意義的訊息,例如客戶回饋、社群媒體貼文和市場趨勢。這有助於做出更明智的決策,幫助組織保持敏捷並回應不斷變化的市場動態。在金融領域,NLP 在自動化任務方面發揮著重要作用,例如金融新聞的情緒分析、幫助投資決策和檢測市場行為模式。處理和理解自然語言的能力可以實現更準確的風險評估和改進的合規措施。總體而言,NLP 技術的進步使企業能夠加強溝通、簡化營運並提取有價值的見解,有助於在當今動態的商業環境中提高效率、創新和競爭優勢。
歐洲語音支付市場概況
歐洲語音支付市場進一步細分為德國、英國、義大利、俄羅斯、法國和歐洲其他地區。歐洲對網路銀行的需求正在顯著成長。根據 Global Commerce Media LLC Company (Gitnux) 的數據,89% 的英國成年人使用網路銀行,64% 使用行動銀行應用程式。 2022年,歐洲數位銀行行動用戶數達到90.4%。這些資料表明,歐洲的數位銀行趨勢正在成長,越來越多的人開始轉向網路銀行,將其作為一種安全、便捷的財務管理方式。
多家公司正在歐洲推出新的語音支付。例如,2021 年 9 月,社交支付發起服務 VibePay 成為歐洲第一個提供帳戶到帳戶聲控支付的組織。 iOS 上的 VibePay 用戶可以透過語音直接從一個銀行帳戶到另一個銀行帳戶進行付款或請求他人付款,無需支付任何費用。
2020 年 12 月,Ingenico、CopSonic 和 Validsoft 開發了兩種強大的語音身分驗證技術,可在家庭、車輛和其他環境中實現安全的數位購買。其中一架被派往法國阿讓市購買燃料。因此,隨著數位和語音支付的使用不斷增加,該地區的語音支付市場正在不斷成長。
歐洲語音支付市場收入及 2030 年預測(百萬美元)
歐洲語音支付市場區隔
歐洲語音支付市場按組成部分、企業規模、產業和國家進行分類。
根據組件,歐洲語音支付市場分為軟體和硬體。到 2022 年,軟體領域將佔據更大的市場佔有率。
從企業規模來看,歐洲語音支付市場分為大型企業與中小企業。 2022年,大型企業細分市場佔據更大的市場佔有率。
根據產業,歐洲語音支付市場分為 BFSI、汽車、醫療保健、零售、政府等。 BFSI 細分市場在 2022 年佔據最大的市場佔有率。
按國家/地區分類,歐洲語音支付市場分為德國、法國、英國、義大利、俄羅斯和歐洲其他國家。 2022 年,德國在歐洲語音支付市場佔有率中佔據主導地位。
Amazon.com Inc、Cerence Inc、Google LLC、華為技術有限公司、NCR VOYIX Corp、PayPal Holdings Inc、Paysafe Limited、PCI Pal 和 Vibe Pay Limited 是歐洲語音支付市場上的一些領先公司。
The Europe voice-based payments market was valued at US$ 1,882.77 million in 2022 and is expected to reach US$ 4,323.62 million by 2030; it is estimated to register a CAGR of 11.0% from 2022 to 2030.
Advancements in Natural Language Processing (NLP) Technology Drive Europe Voice-Based Payments Market
Advancements in natural language processing (NLP) technology have become a transformative force within the business landscape, significantly impacting voice-based payments market. NLP focuses on enabling machines to understand, interpret, and respond to human language in a way that simulates natural communication. This technological progress holds substantial implications for businesses seeking to enhance customer interactions, automate processes, and extract valuable insights from unstructured data. In customer service and engagement, businesses are using sophisticated NLP algorithms to develop chatbots and virtual assistants. These intelligent systems can understand customer queries and respond to them, providing real-time support and improving overall user experiences. This boosts operational efficiency and allows businesses to deliver personalized and responsive services, thereby strengthening customer relationships.
NLP advancements play a pivotal role in data analysis and decision-making processes. Businesses can harness NLP algorithms to extract meaningful information from vast amounts of unstructured textual data, such as customer feedback, social media posts, and market trends. This facilitates more informed decision-making, helping organizations stay agile and responsive to evolving market dynamics. In the financial sector, NLP is instrumental in automating tasks such as sentiment analysis of financial news, aiding investment decisions, and detecting patterns in market behavior. The ability to process and understand natural language enables more accurate risk assessments and improved compliance measures. Overall, the advancements in NLP technology empower businesses to enhance communication, streamline operations, and extract valuable insights, contributing to increased efficiency, innovation, and competitive advantage in today's dynamic business environment.
Europe Voice-Based Payments Market Overview
The Europe voice-based payment market is further segmented into Germany, the UK, Italy, Russia, France, and the Rest of Europe. The demand for online banking in Europe is growing significantly. According to the Global Commerce Media LLC Company, Gitnux, 89% of UK adults use online banking, and 64% use mobile banking apps. In 2022, the number of mobile users of digital banking reached 90.4% in Europe. This data shows that the digital banking trend is growing in Europe, and more people are shifting to online banking as a secure and convenient way to manage their finances.
Various companies are launching new voice-based payments in Europe. For instance, in September 2021, VibePay, a social payment initiation service, became the first organization to provide account-to-account voice-activated payments in Europe. VibePay's users on iOS can pay or request payment from others with their voice directly and instantly from one bank account to another with no fees.
In December 2020, Ingenico, CopSonic, and Validsoft developed two strong voice authentication technologies that enable secure digital purchases at home and in vehicles and other environments. One of them was deployed to buy fuel in the city of Argentan in France. Therefore, with the growing use of digital and voice-based payments, the voice-based payment market is growing in the region.
Europe Voice-Based Payments Market Revenue and Forecast to 2030 (US$ Million)
Europe Voice-Based Payments Market Segmentation
The Europe voice-based payments market is categorized into component, enterprise size, industry, and country.
Based on component, the Europe voice-based payments market is segmented into software and hardware. The software segment held a larger market share in 2022.
In terms of enterprise size, the Europe voice-based payments market is segmented into large enterprises and SMEs. The large enterprises segment held a larger market share in 2022.
Based on industry, the Europe voice-based payments market is segmented into BFSI, automotive, healthcare, retail, government, and others. The BFSI segment held the largest market share in 2022.
By country, the Europe voice-based payments market is segmented into Germany, France, the UK, Italy, Russia and the Rest of Europe. Germany dominated the Europe voice-based payments market share in 2022.
Amazon.com Inc, Cerence Inc, Google LLC, Huawei Technologies Co Ltd, NCR VOYIX Corp, PayPal Holdings Inc, Paysafe Limited, PCI Pal, and Vibe Pay Limited are some of the leading companies operating in the Europe voice-based payments market.