主なハイライト

バイオメトリックカードは、内蔵チップ技術と指紋、眼の網膜、虹彩スキャン、顔のパターン、音声認識などのバイオメトリック認証技術を組み合わせて、店頭での購入時にカード保有者の身元を確認します。バイオメトリックカードには、光学ストリップやバーコード、ホログラフィックセキュリティ画像、内蔵チップなどのさまざまなセキュリティ機能を備えたスマートカードも含まれています。
バイオメトリックカードは、個人の身体的および行動的特性に基づいて分析および認識する識別形式です。これには、指紋、目の網膜、虹彩スキャン、顔のパターン、音声認識、体の動きが含まれます。バイオメトリックカードは、光学ストリップやバーコード、ホログラフィックセキュリティ画像、埋込みチップなど、さまざまなセキュリティ機能を備えたスマートカードも含みます。

• スマートカードは、生体分析を使用して個人を識別するIDカードです。スマートカードにはいくつかの形態がありますが、最も一般的で人気があるのは、内部メモリを持つプロセッサを搭載したカードや、メモリチップを搭載したカードです。カードは、スキャナーとの直接的な物理接触や、リモート電磁インターフェースを介して接続されます。カードは大量のデータを保存し、暗号化やデジタル署名を行い、情報を非接触システムである電磁カードリーダーと接続することができます。この技術を利用することで、生体認証カードは従来の非接触型支払い方法よりも高いセキュリティを提供します。取引処理中、カードはスキャナー上のユーザーの指紋をカードのセキュアチップに保存された参照データと比較し、支払いを承認します。銀行のサーバーに個人データは保存されず、中央集権的なデータベースに送信されることもありません。したがって、盗難に遭った場合でも、顧客は自分の口座での不正行為について心配する必要はありません。これは追加の保護層を追加し、ユーザーのアカウント情報が安全に保たれていることを保証します。この生体認証カードによる追加の保護には支払い制限がなく、消費者は高額または低額の取引を行うことができます。

バイオメトリックIDカードは、特に高いセキュリティを必要とする企業や個人に適用されます。また、競争が激しい分野にある企業は、不正な複製や盗難に対する追加のセキュリティとしてバイオメトリックカードを選択することがあります。先進的なIDカードは、政府部門、研究機関、一部の大学や学校にサービスを提供。
バイオメトリック認証に必要な技術は、現在使用されている決済カードの技術よりも高いコストがかかります。消費者はより安全な決済カードのために少額の手数料を支払う意欲があるかもしれませんが、バイオメトリックカードの現在のコストは1枚約20米ドルであり、ユーザーの採用を制限しています。

• COVID-19パンデミックは、非接触型決済の促進因子となりました。パンデミック後、テクノロジー分野は非接触ソリューションを開発し、間接的に第2の認証要素なしで処理される取引レベルの向上をもたらしました。支払い制限がなく、生体認証決済カードはすべての非接触取引のニーズに応え、セキュリティの懸念に対応しています。

支持される市場の成長のために、ペイメントセクターが持つ潜在能力を考えると、ベンダーは新製品の発売にますます注力し、バイオメトリックカードの商業化を促進するために協力しています。たとえば、2022年4月にIDEXバイオメトリクスASAは、東ヨーロッパでのバイオメトリック決済ソリューションの商業化を目指して、ヨーロッパの著名なカードメーカーの一つであるE-Kartとの協力を発表しました。

• 1 イントロダクション

  • 1.1 調査の前提条件と市場の定義

  • 1.2 本調査の範囲

• 2 調査手法

• 3 エグゼクティブサマリー

• 4 市場についての洞察

  • 4.1 市場概要

  • 4.2 業界魅力度 - ポーターのファイブフォース分析

    • 4.2.1 サプライヤーの交渉力

    • 4.2.2 買い手の交渉力

    • 4.2.3 新規参入の脅威

    • 4.2.4 代替品の脅威

    • 4.2.5 競合・競争状況の激しさ

  • 4.3 Covid-19市場インパクト評価

  • 4.4 業界エコシステム分析

  • 4.5 バイオメトリクスカードの進化

• 5 市場ダイナミクス

  • 5.1 市場の促進要因

    • 5.1.1 新興国における金融包摂の取り組みによる需要の高まり

    • 5.1.2 多要素認証への移行が市場成長に好影響を与える

  • 5.2 市場の課題

    • 5.2.1 カード型以外の生体認証デバイスとの強い競争

    • 5.2.2 導入コストが高い

• 6 市場セグメンテーション

  • 6.1 用途別

    • 6.1.1 ペイメント

    • 6.1.2 アクセス制御

    • 6.1.3 ガバメントIDとファイナンシャル・インクルージョン

    • 6.1.4 その他の用途

  • 6.2 エンドユーザー別バーティカル

    • 6.2.1 BFSI

    • 6.2.2 リテール

    • 6.2.3 政府

    • 6.2.4 ヘルスケア

    • 6.2.5 商業団体

    • 6.2.6 その他の最終ユーザーバーティカル

  • 6.3 地域別

    • 6.3.1 北米

    • 6.3.2 ヨーロッパ

    • 6.3.3 アジア太平洋

    • 6.3.4 その他の地域

• 7 競合情勢

  • 7.1 会社概要

    • 7.1.1 Zwipe AS

    • 7.1.2 Thales Group

    • 7.1.3 IDEX Biometrics ASA

    • 7.1.4 Goldpac Fintech

    • 7.1.5 Fingerprint Cards AB

    • 7.1.6 Seshaasai Business Forms (P) Ltd

    • 7.1.7 IDEMIA Group

    • 7.1.8 ST Microelectronics NV

    • 7.1.9 Mastercard Incorporated

    • 7.1.10 Visa Inc

    • 7.1.11 Ethernom Inc

    • 7.1.12 Samsung's System LSI Business

    • 7.1.13 Shanghai Fudan Microelectronics Group Co. Ltd

• 8 投資分析

• 9 将来展望

• 10 市場機会分析

The Global Biometric Card Market size is estimated at USD 0.37 billion in 2024, and is expected to reach USD 18.40 billion by 2029, growing at a CAGR of 117.76% during the forecast period (2024-2029).

Increasing demand for biometric authentication systems across various end-users, including banking, retail, gaming, and security, is expected to support the growth of the studied market during the forecast period.

Key Highlights

• Biometric cards combine the embedded chip technology with biometric authentication technologies such as fingerprints, eye retina, iris scanning, facial patterns, voice recognition, etc., to verify the cardholder's identity for in-store purchases. Biometric cards also comprise smart cards with various security features, such as an optical strip or barcode, a holographic security image, and an embedded chip.
• Biometric cards are forms of identification that analyze and recognize individuals based on their physical and behavioral traits. These include fingerprints, eye retina, iris scanning, facial patterns, voice recognition, and body movement. Biometric cards also comprise smart cards with various security features, such as an optical strip or barcode, a holographic security image, and an embedded chip.
• A smart card is an identity card that uses biometric analysis to identify an individual. Smart cards are available in several forms, but the most common and popular are those with a processor with internal memory or those that function with a memory chip. The cards are connected via direct physical contact with a scanner or a remote electromagnetic interface. The cards can store large amounts of data, carry out their encryption and digital signatures, and connect this information to a remote, a contactless system like an electromagnetic card reader. By using this technology, biometric cards offer more security than conventional contactless payment methods. During the transaction processing, the card compares the user's fingerprint on the scanner with the reference data stored in the card's secure chip before authorizing the payment. No personal data is held on a bank's servers or sent to the centralized database. Hence, in case of theft, the customers will not have to worry about fraudulent activity on their accounts. It adds an extra layer of protection and ensures that the user's account details are kept secure. This added protection by the biometric cards does not have a payment threshold, allowing its consumers to make high or low-value transactions.
• Biometric ID cards apply to several solutions, especially for companies and individuals requiring greater security. Moreover, companies in highly competitive fields may choose biometric cards as an added security against illegal duplication and theft. Advanced ID cards serve government sectors, research institutions, and some universities and schools.
• The technology required for biometric authentication in cards involves a higher expense than the technology used in the payment cards that are being used currently. Although consumers may be willing to pay a small fee for a more secure payment card, the current cost of the biometric card, which is expected to be around USD 20 per card, restricts its adoption among users.
• The COVID-19 pandemic has been a catalyst when it comes to contactless payments. Following the pandemic, the tech sector has developed contactless solutions, indirectly resulting in higher transaction levels being processed without a second authentication factor. With no payment limits, biometric payment cards meet the need for all contactless transactions while addressing security concerns.

Biometric Card Market Trends

Payments Segment to Show Significant Growth

Biometric technology is gaining ground in financial services as a secure and convenient alternative to passwords and PINs. This technology is increasingly being considered to have the potential to make the consumers' lives more manageable and provide them with more significant choices to confirm their identity.

According to Fingerprint Cards AB, around 6 billion payment devices are expected to be shipped annually by 2026. Also, almost all these devices are anticipated to be contactless. Moreover, the company depicts the potential Total Addressable Market (TAM) to be around 3 billion units per year for biometric sensor modules and software in the payment domain.

Considering the potential the payment sector holds for the growth of the studied market, vendors are increasingly focusing on new product launches and collaborating to facilitate the commercialization of biometric cards. For instance, in April 2022, IDEX Biometrics ASA announced its collaboration with E-Kart, one of the prominent card manufacturers in Europe, to commercialize biometric payment solutions in Eastern Europe.

Similarly, in April 2022, Fingerprint Cards AB, a global biometrics company, announced that its technology would be used as part of at least two new commercial biometric payment card launches in Morocco. Such trends are expected to support the growth of the studied market during the forecast period.

Asia Pacific to Exhibit the Highest Growth Rate

Biometric payment cards are a way to the future in the region, and there is a robust market for payment cards in the fast-paced Asia-Pacific region, even in the face of rising smartphone use. According to the People's Bank of China, the total number of bank cards in China will increase to 9,247 million in 2021, from 8,954 million in 2020.

Similarly, according to Japan Consumer Credit Association, the number of credit cards issued in Japan amounted to 295.31 million as of March 2021. It was an increase of about 0.8 percent compared to the previous year.

Various market vendors are currently working to integrate biometric technology. They will have a truly disruptive offering that will significantly expand the banking customer base in the region and integrate it with various end-users. For instance, in June 2021, IDEX Biometrics ASA, one of the prominent providers of advanced fingerprint identification and authentication solutions, announced that China Construction Bank (CCB) expanded certain "digital renminbi" trials to include the issuance of smart cards that are secured by IDEX Biometrics fingerprint sensors and biometric software.

Similarly, in July 2021, Zwipe, a biometric fintech company, announced its collaboration with the international card payment processor and card personalization bureau ICPS to bring Zwipe Pay ONE-enabled biometric payment cards to banks across Asia and Africa.

Biometric Card Industry Overview

The Global Biometric Card Market is seeing intense competition among prominent vendors, who are increasingly expanding their business capabilities. As such, huge investments are being witnessed in the market, increasing competition. The market is marked by several large-scale players actively working to increase their customer base and subsequently increase their market share. Therefore, the degree of competition is considered high in the market. Some of the major players operating in the market include Zwipe AS, Thales Group, IDEX Biometrics, and STMicroelectronics, among others.

June 2022 - Zwipe and Fidor Bank announced plans to pilot biometric payment cards in Germany during the second half of 2022. The Zwipe Pay technology platform will power this. The launch of biometric cards is in line with Fidor's strategy to provide its consumers with access to digital banking and pay services in the most secure way possible.

May 2022 - Fingerprint Cards AB and Mswipe, an independent mobile POS merchant acquirer & network provider, announced their collaboration to bring biometric debit and credit cards to India. According to the company, the partnership will feature Fingerprints' T-Shape module and software platform.

Additional Benefits:

• The market estimate (ME) sheet in Excel format
• 3 months of analyst support

• 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 Buyers

    • 4.2.3 Threat of New Entrants

    • 4.2.4 Threat of Substitutes

    • 4.2.5 Intensity of Competitive Rivalry

  • 4.3 Assessment of Impact of COVID-19 on the Market

  • 4.4 Industry Ecosystem Analysis

  • 4.5 Evolution of Biometric Cards

• 5 MARKET DYNAMICS

  • 5.1 Market Drivers

    • 5.1.1 Growing Demand from Financial Inclusion-based Initiatives in Emerging Countries

    • 5.1.2 Move Toward Multi-factor Authentication Bodes Well for Market Growth

  • 5.2 Market Challenges

    • 5.2.1 Strong Competition from Non-card Biometric Devices

    • 5.2.2 Higher Implementation Costs

• 6 MARKET SEGMENTATION

  • 6.1 By Application

    • 6.1.1 Payments

    • 6.1.2 Access Control

    • 6.1.3 Government ID and Financial Inclusion

    • 6.1.4 Other Applications

  • 6.2 By End-User Vertical

    • 6.2.1 BFSI

    • 6.2.2 Retail

    • 6.2.3 Government

    • 6.2.4 Healthcare

    • 6.2.5 Commercial Entities

    • 6.2.6 Other End-user Verticals

  • 6.3 By 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 Zwipe AS

    • 7.1.2 Thales Group

    • 7.1.3 IDEX Biometrics ASA

    • 7.1.4 Goldpac Fintech

    • 7.1.5 Fingerprint Cards AB

    • 7.1.6 Seshaasai Business Forms (P) Ltd

    • 7.1.7 IDEMIA Group

    • 7.1.8 ST Microelectronics NV

    • 7.1.9 Mastercard Incorporated

    • 7.1.10 Visa Inc

    • 7.1.11 Ethernom Inc

    • 7.1.12 Samsung's System LSI Business

    • 7.1.13 Shanghai Fudan Microelectronics Group Co. Ltd

• 8 INVESTMENT ANALYSIS

• 9 FUTURE OUTLOOK

• 10 MARKET OPPORTUNITY ANALYSIS