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市場調查報告書
商品編碼
1830166
PSD2 和開放銀行生物辨識認證市場(按認證方法、部署模式、應用、最終用戶產業和組織規模)—2025 年至 2032 年全球預測PSD2 & Open Banking Biometric Authentication Market by Authentication Method, Deployment Mode, Application, End User Industry, Organization Size - Global Forecast 2025-2032 |
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預計到 2032 年,PSD2 和開放銀行生物辨識認證市場規模將達到 138.9 億美元,複合年成長率為 10.57%。
主要市場統計數據 | |
---|---|
基準年2024年 | 62.1億美元 |
預計2025年 | 68.8億美元 |
預測年份:2032年 | 138.9億美元 |
複合年成長率(%) | 10.57% |
開放銀行和PSD2主導的改革已將生物辨識身分驗證從一項實驗性增強功能提升為數位金融安全的策略支柱。過去五年來,行業參與者已超越單因素方法,轉向以身份為中心的模式,將監管要求與用戶對無摩擦訪問的期望相結合。生物辨識功能如今處於合規性、使用者體驗和欺詐管理的交匯點,金融機構正在重新調整藍圖,將這些模式融入整個客戶旅程。
隨著金融機構整合更強大的身分驗證標準,它們必須在隱私、互通性和營運擴充性取得平衡。標準化 API 和同意框架的採用為第三方和帳戶提供者之間的無縫身份驗證交接創造了機會,同時也暴露了身份保證方面存在差異(具體實施方式各異)。因此,金融機構優先考慮端到端設計,以兼顧設備異質性、可訪問性需求以及不同市場生物辨識成熟度的不同程度。
在不久的將來,銀行和金融科技公司將試行融合行為訊號和生理模式的整合身分驗證架構,以減少摩擦並增強對詐欺的抵禦能力。同時,監管機構正在明確其對使用者同意和生物特徵資料處理的期望,迫使機構投資於隱私設計實施和強大的審核能力。這些平行趨勢清楚地表明了為什麼生物特徵身份驗證已成為開放銀行生態系統中競爭差異化的核心要素。
由於技術日趨成熟、監管更新以及消費行為的變化,PSD2 和開放銀行中的生物辨識身分驗證格局正在轉變。感測器保真度和裝置端運算能力的提升帶來了更高的準確率和更低的誤報率,從而將可行的用例從簡單的登入擴展到交易確認和持續身份驗證。這些技術改進與機器學習模型相輔相成,機器學習模型利用多模態融合來偵測異常模式,並更有效對抗示範攻擊。
不斷變化的法規也起到了催化作用。關於強客戶身份驗證和豁免的明確規定,刺激了對兼顧安全性和可用性功能的投資。同時,資料保護框架對儲存、同意管理和用途限制提出了更嚴格的要求,這促使架構師傾向於採用去中心化或代幣化的生物辨識模板方法。
市場行為也在改變。消費者如今期望獲得無縫的行動優先體驗,如果生物辨識技術能夠顯著提升安全性和便利性,他們更願意使用。這促使現有企業和挑戰者都將生物識別整合到入職、身分驗證和詐欺監控功能中。總而言之,這些轉變正在創造一種環境:對於渴望在開放銀行領域取得領先地位的組織而言,生物辨識身分驗證不再是一種可有可無的選擇,而是一種需要跨職能管治和持續檢驗的營運必需品。
美國2025年關稅的實施,正在對全球生物識別硬體及相關組件的供應鏈產生累積而微妙的影響,影響依賴物理感測器的機構的部署計畫和籌資策略。關稅導致的成本增加,正在衝擊基於設備的生物識別模式的經濟效益,促使一些機構重新評估原生設備感測器與可能面臨更高進口關稅的外圍硬體之間的權衡。
因此,採購團隊正在轉向優先選擇國內製造合作夥伴或來自具有優惠貿易安排的司法管轄區的供應商的籌資策略,而軟體供應商則正在加速推出減少對專用硬體依賴的產品。這種轉變導致人們對行為生物識別技術和純軟體驅動的模式的興趣日益濃厚,這些模式依賴於現有的用戶硬體和網路訊號來減輕關稅波動的影響。
在營運方面,累積影響包括感測器出貨前置作業時間延長,以及 ATM 和 POS 部署庫存管理更加嚴格。金融機構已採取分階段部署、使用臨時認證模式以及與策略供應商協商長期定價協議等應對措施。雖然關稅造成了短期成本壓力,但也促使企業進行策略調整,轉向彈性採購、注重軟體原生功能的架構設計,以及採購、安全和產品團隊之間更緊密的協作,以在不斷變化的貿易環境下保持部署勢頭。
該細分提供了一個實用的框架,用於將技術選擇、部署模型和使用案例與組織優先順序進行協調。根據身份驗證方法,市場主要透過行為生物辨識、臉部認證、指紋辨識、虹膜辨識和語音辨識進行探索,並透過步態分析和按鍵動力學進一步探索行為生物辨識。這種差異化有助於明確投資方向:利用廣泛感測器和持續訊號收集的方法優先用於實現無摩擦體驗,而高可靠性的生理方法則保留用於高風險交易。
The PSD2 & Open Banking Biometric Authentication Market is projected to grow by USD 13.89 billion at a CAGR of 10.57% by 2032.
KEY MARKET STATISTICS | |
---|---|
Base Year [2024] | USD 6.21 billion |
Estimated Year [2025] | USD 6.88 billion |
Forecast Year [2032] | USD 13.89 billion |
CAGR (%) | 10.57% |
Open banking and PSD2-driven reforms have elevated biometric authentication from an experimental enhancement to a strategic pillar of digital financial security. Over the past five years, industry participants have moved beyond single-factor approaches, embracing identity-centric models that align regulatory requirements with user expectations for frictionless access. Biometric capabilities now sit at the intersection of compliance, user experience, and fraud management, and institutions are recalibrating roadmaps to embed these modalities across customer journeys.
As institutions integrate stronger authentication standards, they must balance privacy, interoperability, and operational scalability. The introduction of standardized APIs and consent frameworks has created opportunities for seamless authentication handoffs between third parties and account providers, while also exposing gaps in identity assurance when adoption is uneven. Consequently, institutions are prioritizing end-to-end design that accounts for device heterogeneity, accessibility needs, and varying levels of biometric maturity across markets.
In the immediate term, banks and fintechs are piloting converged authentication architectures that combine behavioral signals with physiological modalities to reduce friction and increase resilience against spoofing. Simultaneously, regulators are clarifying expectations around user consent and biometric data handling, which compels organizations to invest in privacy-by-design implementations and robust audit capabilities. These parallel trends underscore why biometric authentication is now a central element of competitive differentiation in open banking ecosystems.
The landscape for biometric authentication in PSD2 and open banking has undergone transformative shifts driven by technological maturation, regulatory updates, and changing consumer behavior. Advances in sensor fidelity and on-device compute have enabled higher accuracy and lower false accept rates, which in turn have expanded the viable use cases from simple login to transaction confirmation and continuous authentication. These technological improvements have been complemented by machine learning models that leverage multimodal fusion to detect anomalous patterns and resist presentation attacks more effectively.
Regulatory evolution is another catalytic force. Clarifications around strong customer authentication and the conditions for exemptions have driven investment in capabilities that meet both security and usability objectives. At the same time, data protection frameworks are imposing stricter requirements for storage, consent management, and purpose limitation, pushing architects to favor decentralized or tokenized approaches to biometric templates.
Market behavior has also shifted. Consumers now expect seamless, mobile-first experiences and show greater willingness to use biometrics when security and convenience are demonstrably improved. This has encouraged incumbents and challengers alike to integrate biometrics across onboarding, authentication, and fraud monitoring functions. In aggregate, these shifts are creating an environment where biometric authentication is no longer optional for organizations that aim to lead in open banking; it is an operational necessity that requires cross-functional governance and continuous validation.
The introduction of tariffs in the United States in 2025 has had a cumulative and nuanced effect on global supply chains for biometric hardware and related components, influencing deployment timelines and procurement strategies for institutions relying on physical sensors. Tariff-driven cost increases have influenced the economics of device-based biometric modalities, prompting some organizations to re-evaluate trade-offs between native device sensors and peripheral hardware that may be subject to higher import duties.
Consequently, procurement teams have shifted toward sourcing strategies that prioritize domestic manufacturing partners or suppliers from jurisdictions with favorable trade arrangements, while software vendors accelerated offerings that reduce dependence on specialized hardware. This shift has increased interest in behavioral biometrics and purely software-driven modalities that rely on existing user hardware and networked signals, thereby mitigating exposure to tariff volatility.
Operationally, the cumulative impact has led to longer lead times for sensor shipments and tighter inventory management for ATM and point-of-sale deployments. Institutions have adapted by phasing rollouts, leveraging interim authentication models, and negotiating longer-term pricing agreements with strategic suppliers. While tariffs have created near-term cost pressures, they have also driven strategic realignment toward resilient sourcing, architecture designs that emphasize software-native capabilities, and closer collaboration between procurement, security, and product teams to sustain rollout momentum under changing trade conditions.
Segmentation provides a practical framework to align technology choices, deployment models, and use cases with organizational priorities. Based on authentication method, the market is studied across behavioral biometrics, facial recognition, fingerprint, iris recognition, and voice recognition, with behavioral biometrics further examined through gait analysis and keystroke dynamics. This differentiation highlights where investments should flow: modalities that capitalize on pervasive sensors and continuous signal collection are prioritized for frictionless experiences, while high-assurance physiological modalities are reserved for elevated-risk transactions.
Based on deployment mode, the market is studied across cloud and on premises, with cloud deployments further categorized into private cloud and public cloud. The choice between cloud and on-premises affects latency, data sovereignty, and scalability, and the private versus public cloud distinction influences control, isolation, and integration complexity. Organizations often adopt hybrid architectures to balance regulatory constraints with the agility benefits of cloud-native services.
Based on application, the market is studied across ATM kiosk, internet banking, mobile banking, and point-of-sale terminals, with the mobile banking segment further analyzed across Android and iOS platforms and the point-of-sale terminals segment further divided into countertop and self-service kiosk environments. Applications determine the user journey and the acceptable authentication friction; mobile banking trends favor seamless biometric unlock and transaction approval flows, while ATM and kiosk deployments require resilient anti-spoofing measures and ruggedized sensor support.
Based on end user industry, the market is studied across banking, financial services, and fintech, with banking further broken down into corporate banking and retail banking, financial services further dissected into asset management and insurance, and fintech further explored across payment services and wealth tech. Each vertical has unique risk profiles and regulatory obligations that shape authentication choices, with corporate banking typically requiring higher assurance workflows and fintechs often prioritizing speed and user experience.
Based on organization size, the market is studied across large enterprise and small and medium enterprise. Organizational scale influences governance maturity, procurement leverage, and the capacity to absorb integration complexity, which in turn affects the pace and scope of biometric adoption across footprints and channels.
Regional dynamics shape both regulatory expectations and technology adoption patterns for biometric authentication in open banking. In the Americas, market participants grapple with a mix of federal guidance and state-level privacy regimes that emphasize data protection and consumer transparency, while commercial banks and fintechs pursue mobile-first authentication strategies that leverage device-native sensors and behavioral analytics. Cross-border data flows and partnerships with Latin American payment networks also influence the pragmatics of template storage and consent management.
In Europe, Middle East & Africa, the confluence of PSD2 legacy frameworks and diverse national implementations creates a complex compliance landscape; here, institutions emphasize interoperable APIs, strong customer authentication alignment, and rigorous handling of biometric consent. Meanwhile, Middle Eastern jurisdictions are rapidly building digital identity frameworks, and African markets show strong innovation in mobile biometric onboarding due to limited legacy infrastructure and high mobile penetration. These regional variations drive differentiated vendor offerings and deployment models that respect local regulatory and infrastructural realities.
In Asia-Pacific, rapid mobile adoption and favorable device ecosystems support broad uptake of biometric authentication, with mature markets demonstrating high acceptance of facial and fingerprint modalities and emerging markets innovating with biometric-enabled payment rails and digital ID programs. Governments and large ecosystem players frequently play an active role in shaping standards and promoting interoperable identity initiatives, accelerating commercial integration across banking, payments, and government services. Across regions, leaders are those who adapt technical design and governance to local legal regimes while maintaining consistent user experience and security assurances.
Key company considerations center on capability depth, integration maturity, and the ability to align product roadmaps with regulatory timelines. Vendors that offer multimodal solutions and invest in adversarial testing and independent certification tend to be prioritized by enterprise buyers because their offerings reduce integration risk and accelerate compliance validation. Meanwhile, companies that provide flexible deployment modes-including on-premises, private cloud, and hardened edge options-are positioned to address the fragmented regulatory constraints and data residency needs of large institutions.
Technology partners that embed explainability and model governance into their machine learning stacks enable more transparent assurance to auditors and regulators, which has become a decisive selection criteria. Equally important are vendors with robust SDKs and platform APIs that simplify integration across mobile platforms, ATM software stacks, and point-of-sale systems; interoperability reduces time-to-market and lowers total cost of integration.
Strategic partnerships between biometric technology providers and systems integrators are increasingly common, creating bundled services that combine product, integration, and managed services. Buyers favor vendors that demonstrate strong post-deployment support, continuous model updates for anti-spoofing, and proven operational playbooks for incident response. Ultimately, the preferred suppliers are those that combine technical robustness with commercial flexibility and domain expertise in financial services compliance.
Industry leaders must pursue a set of pragmatic, actionable moves to convert biometric capabilities into sustained competitive advantage. First, adopt a risk-based authentication strategy that maps transaction risk tiers to appropriate biometric modalities and assurance levels, enabling adaptive flows that minimize friction for low-risk interactions while escalating verification for high-value actions. Aligning security policies with product design reduces false rejections and customer friction while maintaining regulatory compliance.
Second, invest in privacy-preserving architectures such as template-on-device, tokenization, or cryptographic approaches that limit exposure of raw biometric data. These designs not only reduce compliance burden but also increase customer trust when communicated clearly through consent and transparency mechanisms. Third, prioritize interoperability by building against standardized APIs and ensuring SDK compatibility across Android, iOS, ATM platforms, and point-of-sale systems so that integrations scale predictably.
Fourth, strengthen vendor governance by defining clear SLAs for anti-spoofing updates, model retraining cadences, and incident response responsibilities. Procurement should require independent testing and certification evidence. Fifth, build cross-functional capabilities that combine product, compliance, security, and UX teams to operationalize continuous monitoring, user research, and regulatory change management. Taken together, these actions will accelerate secure adoption while managing operational risk and protecting customer trust.
The research methodology combines triangulation of primary stakeholder interviews, technical validation exercises, and secondary evidence gathering to ensure a robust and reproducible analysis. Primary inputs include structured interviews with product and security leaders from banks, fintechs, payment processors, and identity providers to capture operational priorities, integration challenges, and deployment experience. These qualitative insights are complemented by technical validation exercises that assess modality resilience, anti-spoofing efficacy, and integration complexity across device classes.
Secondary evidence was compiled from publicly available regulatory guidance, standards bodies, and vendor technical documentation to map legal obligations, interoperability standards, and architectural patterns. The approach emphasizes cross-validation: claims from interviews were tested against technical benchmarks and regulatory texts to minimize bias and surface practical constraints. Methodological rigor also involved scenario analysis to explore the impact of trade policy shifts, regional regulation divergence, and adoption barriers across enterprise segments.
Finally, stakeholder feedback loops were used to refine findings and ensure recommendations are actionable for practitioners. Throughout the research process, attention was paid to data privacy and ethical considerations, ensuring that evaluations of biometric modalities focused on efficacy, governance implications, and user-facing impacts rather than proprietary performance claims.
Biometric authentication has matured into a strategic capability within PSD2 and open banking ecosystems, but its effective deployment requires thoughtful orchestration across technology, governance, and procurement. The most successful adopters do more than implement sensors; they design adaptive authentication journeys that balance risk, privacy, and user experience. They also invest in vendor governance, cross-functional operating models, and privacy-preserving architectures that reduce systemic risk while enabling scale.
Challenges remain, including managing cross-border data flows, maintaining model performance amid device diversity, and navigating evolving regulatory interpretations. However, these challenges are manageable through pragmatic segmentation of use cases, careful selection of deployment modes, and investment in explainable models and independent testing. Institutions that proactively align product roadmaps with compliance timelines and that favor interoperable, software-first architectures will be best positioned to extract long-term value from biometric authentication investments.
In conclusion, biometric authentication is not a panacea, but when integrated with disciplined governance and user-centered design, it becomes a powerful enabler of secure, convenient open banking experiences. Organizations that take a strategic, risk-aware approach will safeguard customer trust while unlocking operational efficiencies and new service models.