掌上支付技術市場機會、成長動力、產業趨勢分析及 2025-2034 年預測

2024 年全球掌上支付技術市場價值為 6,840 萬美元，預計 2025 年至 2034 年期間的複合年成長率為 26.1%。隨著數位支付解決方案不斷重塑金融格局，掌上支付技術正在成為改變遊戲規則的因素，提供安全的非接觸式交易，從而提高用戶的便利性。這種成長的動力源於生物辨識認證方法的日益普及、無現金經濟的推動以及對防詐欺金融解決方案日益成長的需求。企業和消費者都優先考慮安全性、速度和無縫支付體驗，使得掌上支付成為各行各業備受追捧的解決方案。

金融包容性是這項技術的另一個主要驅動力。在許多地區，傳統銀行基礎設施仍然有限，這使得生物識別支付解決方案成為無銀行帳戶人群的一種有吸引力的替代方案。掌上支付技術使用戶無需卡片、PIN 或智慧型手機即可進行交易，降低了金融服務的門檻。該技術在零售、銀行和酒店等快速高效交易至關重要的行業尤其有益。隨著監管框架和安全標準的發展，企業更傾向於投資尖端生物辨識解決方案，以降低詐欺風險並增強消費者信任。

市場按解決方案細分為硬體、軟體和服務，其中硬體部分處於領先地位。到 2024 年，掌上支付硬體的價值將達到 4,290 萬美元，隨著企業尋求簡化結帳流程並提高營運效率，對掌上支付硬體的需求正在加速成長。先進硬體的整合可確保快速驗證，減少等待時間並增強客戶體驗。隨著越來越多的企業部署生物辨識銷售點 (POS) 系統，對強大且可擴展的硬體解決方案的需求不斷增加。

掌上支付市場的認證方法分為掌靜脈辨識、掌紋辨識、混合技術。這些生物辨識解決方案具有高水準的準確性和安全性，使其成為預防詐欺至關重要的行業的理想選擇。尤其是掌靜脈識別，由於其能夠捕捉和分析獨特的靜脈模式，確保精確的身份驗證，而得到了廣泛的應用。由於對更複雜的詐欺預防措施的需求，預計到 2034 年，該領域的複合年成長率將達到 27.2%。先進的靜脈提取技術簡化了身分驗證，同時加強了安全性，使企業能夠提供更安全、更可靠的支付方式。

北美是掌上支付應用的領先地區，2024 年市場價值將達到 2,440 萬美元。該地區完善的數位基礎設施和精通技術的消費者群體正在加速零售、金融和其他關鍵產業的應用。尤其是美國，預計將實現指數級成長，預計到 2034 年市場規模將達到 1.905 億美元。生物辨識支付解決方案的廣泛實施正在增強交易安全性並改善用戶體驗，使掌上支付技術成為未來數位支付的關鍵參與者。隨著企業和消費者繼續優先考慮安全性和效率，基於掌心的生物識別認證的整合將在塑造非接觸式支付解決方案的發展中發揮關鍵作用。

目錄

第1章：方法論與範圍

第2章：執行摘要

第3章：行業洞察

• 產業生態系統分析
• 產業衝擊力
  • 成長動力
    • 金融包容性和數位支付採用率不斷提高
    • 生物特徵識別技術和人工智慧的進步
    • 消費者對安全、便利、衛生的支付方式的需求日益成長
    • 零售和酒店業蓬勃發展
  • 產業陷阱與挑戰
    • 隱私和資料安全問題
    • 實施成本高
• 成長潛力分析
• 監管格局
• 技術格局
• 未來市場趨勢
• 差距分析
• 波特的分析
• PESTEL分析

第4章：競爭格局

• 介紹
• 公司市佔率分析
• 主要市場參與者的競爭分析
• 競爭定位矩陣
• 策略儀表板

第5章：市場估計與預測：按解決方案，2021 年至 2034 年

• 主要趨勢
• 硬體
  • 本地
  • 在雲端
• 軟體

第6章：市場估計與預測：依認證方法，2021 年至 2034 年

• 主要趨勢
• 掌靜脈識別
• 掌紋識別
• 混合方法

第7章：市場估計與預測：依安全級別，2021 年至 2034 年

• 主要趨勢
• 單因子身份驗證（SFA）
• 多重身份驗證 (MFA)

第8章：市場估計與預測：依最終用途，2021 年至 2034 年

• 主要趨勢
• 零售與電子商務
• 銀行和金融
• 衛生保健
• 飯店和娛樂
• 教育
• 運輸
• 其他

第9章：市場估計與預測：按地區，2021 年至 2034 年

• 主要趨勢
• 北美洲
  • 美國
  • 加拿大
• 歐洲
  • 德國
  • 英國
  • 法國
  • 西班牙
  • 義大利
  • 荷蘭
• 亞太地區
  • 中國
  • 印度
  • 日本
  • 澳洲
  • 韓國
• 拉丁美洲
  • 巴西
  • 墨西哥
  • 阿根廷
• 中東和非洲
  • 沙烏地阿拉伯
  • 南非
  • 阿拉伯聯合大公國

第10章：公司簡介

• Amazon.com, Inc.
• Fujitsu
• Hangzhou Hikvision Digital Technology Co., Ltd.
• Identytech Solutions America, Inc.
• M2SYS Technology
• Mantra Softech (India) Pvt. Ltd.
• NEC Corporation
• Palmsure Solutions
• Redrock Biometrics
• ZKTECO CO., LTD.

The Global Palm Payment Technology Market, valued at USD 68.4 million in 2024, is projected to grow at a CAGR of 26.1% between 2025 and 2034. As digital payment solutions continue to reshape financial landscapes, palm payment technology is emerging as a game-changer, offering secure, contactless transactions that enhance user convenience. This growth is fueled by the increasing adoption of biometric authentication methods, the push toward cashless economies, and a rising demand for fraud-proof financial solutions. Businesses and consumers alike are prioritizing security, speed, and seamless payment experiences, making palm payment a highly sought-after solution across industries.

Financial inclusion is another major driver of this technology. In many regions, traditional banking infrastructure remains limited, making biometric payment solutions an attractive alternative for unbanked populations. Palm payment technology enables users to make transactions without the need for cards, PINs, or smartphones, reducing barriers to financial services. The technology is particularly beneficial in sectors like retail, banking, and hospitality, where quick and efficient transactions are paramount. As regulatory frameworks and security standards evolve, businesses are more inclined to invest in cutting-edge biometric solutions to mitigate fraud risks and enhance consumer trust.

The market is segmented by solution into hardware, software, and services, with the hardware segment leading the way. Valued at USD 42.9 million in 2024, the demand for palm payment hardware is accelerating as businesses seek to streamline checkout processes and improve operational efficiency. The integration of advanced hardware ensures rapid authentication, reducing wait times and enhancing customer experiences. As more businesses deploy biometric point-of-sale (POS) systems, the need for robust and scalable hardware solutions continues to rise.

Authentication methods in the palm payment market are classified into palm vein recognition, palm print recognition, and hybrid techniques. These biometric solutions provide high levels of accuracy and security, making them ideal for industries where fraud prevention is critical. Palm vein recognition, in particular, is gaining widespread adoption due to its ability to capture and analyze unique vein patterns, ensuring precise authentication. This segment is expected to grow at a CAGR of 27.2% through 2034, driven by the need for more sophisticated fraud prevention measures. Advanced vein extraction technologies are simplifying authentication while strengthening security, allowing businesses to offer safer and more reliable payment options.

North America is at the forefront of palm payment adoption, with the market valued at USD 24.4 million in 2024. The region's well-established digital infrastructure and tech-savvy consumer base are accelerating adoption across retail, finance, and other key sectors. The United States, in particular, is poised for exponential growth, with the market expected to reach USD 190.5 million by 2034. The widespread implementation of biometric payment solutions is enhancing transaction security and improving user experience, positioning palm payment technology as a key player in the future of digital payments. As businesses and consumers continue to prioritize security and efficiency, the integration of palm-based biometric authentication will play a crucial role in shaping the evolution of contactless payment solutions.

Table of Contents

Chapter 1 Methodology and Scope

• 1.1 Market scope and definitions
• 1.2 Research design
  • 1.2.1 Research approach
  • 1.2.2 Data collection methods
• 1.3 Base estimates and calculations
  • 1.3.1 Base year calculation
  • 1.3.2 Key trends for market estimation
• 1.4 Forecast model
• 1.5 Primary research and validation
  • 1.5.1 Primary sources
  • 1.5.2 Data mining sources

Chapter 2 Executive Summary

• 2.1 Industry 360⁰ synopsis

Chapter 3 Industry Insights

• 3.1 Industry ecosystem analysis
• 3.2 Industry impact forces
  • 3.2.1 Growth drivers
    • 3.2.1.1 Rising financial inclusion and digital payment adoption
    • 3.2.1.2 Advancements in biometric recognition technology and AI
    • 3.2.1.3 Consumers' growing desires for safe, easy, and hygienic payment options
    • 3.2.1.4 Growing retail and hospitality sectors
  • 3.2.2 Industry pitfalls and challenges
    • 3.2.2.1 Privacy and data security concerns
    • 3.2.2.2 High implementation costs
• 3.3 Growth potential analysis
• 3.4 Regulatory landscape
• 3.5 Technology landscape
• 3.6 Future market trends
• 3.7 Gap analysis
• 3.8 Porter's analysis
• 3.9 PESTEL analysis

Chapter 4 Competitive Landscape, 2024

• 4.1 Introduction
• 4.2 Company market share analysis
• 4.3 Competitive analysis of major market players
• 4.4 Competitive positioning matrix
• 4.5 Strategy dashboard

Chapter 5 Market Estimates and Forecast, By Solution, 2021 – 2034 ($ Mn)

• 5.1 Key trends
• 5.2 Hardware
  • 5.2.1 On-premises
  • 5.2.2 On Cloud
• 5.3 Software

Chapter 6 Market Estimates and Forecast, By Authentication Method, 2021 – 2034 ($ Mn)

• 6.1 Key trends
• 6.2 Palm vein recognition
• 6.3 Palm print recognition
• 6.4 Hybrid methods

Chapter 7 Market Estimates and Forecast, By Security Level, 2021 – 2034 ($ Mn)

• 7.1 Key trends
• 7.2 Single-Factor Authentication (SFA)
• 7.3 Multi-Factor Authentication (MFA)

Chapter 8 Market Estimates and Forecast, By End use, 2021 – 2034 ($ Mn)

• 8.1 Key trends
• 8.2 Retail & e-commerce
• 8.3 Banking and finance
• 8.4 Healthcare
• 8.5 Hospitality & entertainment
• 8.6 Education
• 8.7 Transportation
• 8.8 Others

Chapter 9 Market Estimates and Forecast, By Region, 2021 – 2034 ($ Mn)

• 9.1 Key trends
• 9.2 North America
  • 9.2.1 U.S.
  • 9.2.2 Canada
• 9.3 Europe
  • 9.3.1 Germany
  • 9.3.2 UK
  • 9.3.3 France
  • 9.3.4 Spain
  • 9.3.5 Italy
  • 9.3.6 Netherlands
• 9.4 Asia Pacific
  • 9.4.1 China
  • 9.4.2 India
  • 9.4.3 Japan
  • 9.4.4 Australia
  • 9.4.5 South Korea
• 9.5 Latin America
  • 9.5.1 Brazil
  • 9.5.2 Mexico
  • 9.5.3 Argentina
• 9.6 Middle East and Africa
  • 9.6.1 Saudi Arabia
  • 9.6.2 South Africa
  • 9.6.3 UAE

Chapter 10 Company Profiles

• 10.1 Amazon.com, Inc.
• 10.2 Fujitsu
• 10.3 Hangzhou Hikvision Digital Technology Co., Ltd.
• 10.4 Identytech Solutions America, Inc.
• 10.5 M2SYS Technology
• 10.6 Mantra Softech (India) Pvt. Ltd.
• 10.7 NEC Corporation
• 10.8 Palmsure Solutions
• 10.9 Redrock Biometrics
• 10.10 ZKTECO CO., LTD.