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市場調查報告書
商品編碼
2065855
PSD2 和開放銀行背景下的生物識別市場:按組件、認證方法、部署類型、組織規模、應用和最終用戶產業分類-2026-2032 年全球市場預測PSD2 & Open Banking Biometric Authentication Market by Component, Authentication Method, Deployment Mode, Organization Size, Application, End User Industry - Global Forecast 2026-2032 |
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PSD2 和開放銀行領域的生物識別市場預計到 2032 年將成長至 138.9 億美元,複合年成長率為 10.54%。
| 主要市場統計數據 | |
|---|---|
| 基準年 2025 | 68.8億美元 |
| 預計年份:2026年 | 75.5億美元 |
| 預測年份 2032 | 138.9億美元 |
| 複合年成長率 (%) | 10.54% |
PSD2 和開放銀行正在透過強制執行安全的客戶身份驗證、規範的帳戶資料存取以及加強銀行、金融科技公司和支付服務提供者之間基於用戶同意的協作,改變數位金融服務的交付方式。生物識別在這項變革中至關重要,因為它有助於滿足強客戶身分驗證 (SCA) 的要求,同時減少存取帳戶、發起付款和授權第三方服務提供者時的摩擦。
市場正從基於密碼和一次性密碼 (OTP) 的身份驗證轉向設備關聯的生物識別、行為分析、生物特徵檢測和符合 FIDO 標準的金鑰。這項轉變得到了現有監管法律規範的支持,包括歐洲的 PSD2 監管技術標準、英國開放銀行的引入,以及亞太、北美和拉丁美洲不斷擴展的國家級資料共用框架。對金融機構而言,生物識別不再只是一種安全功能,而是建立可信賴數位身分、減少詐欺和提升客戶體驗的策略性手段。
開放銀行API的普及、數位身分的現代化以及行動優先金融管道中日益成長的詐欺風險,共同推動了身分驗證格局的變革。 PSD2引入了使用兩個或多個獨立因素的「強客戶認證(SCA)」系統模型,而開放銀行則透過客戶授權加速了第三方對銀行資料的存取。如今,生物識別正在幫助金融機構滿足安全需求,同時又不影響用戶對數位銀行速度和便利性的期望。
人工智慧 (AI) 透過改進身份驗證、詐欺檢測、生物識別有效性驗證和自適應風險評分,進一步提升了生物識別的價值。 AI 模型能夠近乎即時地評估臉部影像呈現攻擊、語音欺騙、打字節奏、裝置行為、位置完整性和交易情境。這使得金融機構能夠在風險增加時採取強力的控制措施,同時減少可信任用戶不必要的操作。
亞太地區是開放銀行和生物識別發展最活躍的地區之一,這主要得益於行動支付的普及、國家級數位身分計畫以及監管機構主導的資料共用舉措。印度的Aadhaar生態系統和統一支付介面(UPI)、澳洲的消費者資料權、新加坡的國家數位身分基礎設施以及東南亞不斷擴展的API框架,都在加速生物識別信任服務的普及。在中國、日本和韓國,行動錢包認證、臉部認證和基於設備的身份驗證等技術在高度數位化的消費環境中持續發展。
儘管東南亞國協開放銀行的發展速度不盡相同,但新加坡、馬來西亞、印尼、泰國和菲律賓正在建立以安全認證、基於用戶許可的數據共用和數位化註冊為重點的數位金融框架。在海灣合作理事會(GCC)國家,國家層級的金融科技策略、即時支付以及對數位身分的投資,正為在銀行業務中採用生物識別奠定堅實的基礎。這一趨勢在沙烏地阿拉伯、阿拉伯聯合大公國、巴林和卡達尤為顯著。在這些市場,信任、網路安全和無縫的客戶體驗是整個金融業現代化過程中的重中之重。
在美國,透過賦予消費者金融數據權利,銀行業正朝著更正式的開放銀行環境轉變。同時,行動銀行、無卡詐欺防範、帳戶盜用防範以及密碼卡的引入,推動了生物識別的普及。在加拿大,以消費者主導的銀行業務措施正在推動對安全授權管理和注重隱私的數位身分的需求。墨西哥正透過金融科技監管、支付現代化和行動銀行的擴展,加強數位金融服務的普及。而巴西則憑藉受監管的開放金融、Pix系統的推出以及數位支付領域的快速創新而脫穎而出。
產業領導者應優先考慮生物識別,不僅將其視為獨立的登入功能,更應將其作為更廣泛的數位信任架構的一部分。銀行、金融科技公司和支付服務供應商需要使生物識別控制措施與PSD2的強客戶認證(SCA)、GDPR、eIDAS、國家隱私法、消費者資料權利以及新興的人工智慧管治法規保持一致。投資應聚焦於可互通的API安全、基於FIDO的認證、裝置綁定、交易風險分析、授權管理以及多層詐欺偵測。
本執行摘要基於二手調查方法,結合了監管分析、市場觀察以及對資訊來源和權威資訊來源資訊的三角驗證。檢驗包括:PSD2監管技術標準、歐洲開放銀行政策的發展、英國開放銀行應用的最新進展、北美消費者許可數據舉措、國家開放金融框架、數位身分計劃、即時支付趨勢以及與生物識別技術相關的生物識別指南。
PSD2 和開放銀行為安全、基於使用者許可的金融服務建立了新的標準,而生物識別對於大規模滿足這些標準至關重要。隨著數位支付、嵌入式金融和第三方資料存取的擴展,金融機構需要在保持速度、便利性和客戶信任度的同時,以更高的可靠性驗證用戶身份。
The PSD2 & Open Banking Biometric Authentication Market is projected to grow by USD 13.89 billion at a CAGR of 10.54% by 2032.
| KEY MARKET STATISTICS | |
|---|---|
| Base Year [2025] | USD 6.88 billion |
| Estimated Year [2026] | USD 7.55 billion |
| Forecast Year [2032] | USD 13.89 billion |
| CAGR (%) | 10.54% |
PSD2 and open banking are reshaping digital financial services by requiring secure customer authentication, regulated access to account data, and stronger consent-based interactions between banks, fintechs, and payment providers. Biometric authentication has become a core enabler of this transition because it supports Strong Customer Authentication requirements while reducing friction in account access, payment initiation, and third-party provider authorization.
The market is moving from password- and OTP-dependent verification toward device-bound biometrics, behavioral analytics, liveness detection, and FIDO-aligned passkeys. This shift is supported by established regulatory frameworks, including PSD2 Regulatory Technical Standards in Europe, Open Banking implementation in the United Kingdom, and expanding national data-sharing frameworks across Asia-Pacific, North America, and Latin America. For financial institutions, biometric authentication is no longer only a security feature; it is a strategic capability for trusted digital identity, fraud reduction, and customer experience differentiation.
The landscape is being transformed by the convergence of open banking APIs, digital identity modernization, and rising fraud exposure across mobile-first financial channels. PSD2 introduced a structured model for Strong Customer Authentication using two or more independent factors, while open banking accelerated third-party access to bank data through customer consent. Biometrics now help institutions meet security expectations without undermining the speed and convenience that users expect from digital banking.
A second shift is the migration from static identity checks to continuous and risk-based authentication. Fingerprint, face, voice, palm, and behavioral biometrics are increasingly combined with device intelligence, transaction context, and anomaly detection. This is especially important as social engineering, authorized push payment fraud, account takeover, and synthetic identity risks increase across digital payment environments. The most competitive institutions are embedding biometric authentication into omnichannel journeys rather than treating it as a point solution.
Artificial intelligence is compounding the value of biometric authentication by improving identity proofing, fraud detection, liveness assurance, and adaptive risk scoring. AI models can evaluate facial presentation attacks, voice spoofing attempts, typing cadence, device behavior, geolocation consistency, and transaction context in near real time. This enables financial institutions to apply stronger controls when risk is elevated and reduce unnecessary friction for trusted users.
The same AI progress also increases adversarial risk. Deepfakes, synthetic voices, automated credential attacks, and AI-assisted phishing are forcing banks and fintechs to invest in presentation attack detection, injection attack detection, model governance, and auditability. Regulatory developments such as the EU AI Act and privacy rules under GDPR reinforce the need for explainable, privacy-preserving, and bias-tested biometric systems. Successful deployment depends on combining AI accuracy with transparent consent, data minimization, and continuous model monitoring.
Asia-Pacific is one of the most dynamic regions for open banking and biometric authentication, supported by mobile payments scale, national digital identity programs, and regulatory-led data-sharing initiatives. India's Aadhaar-enabled ecosystem and Unified Payments Interface, Australia's Consumer Data Right, Singapore's national digital identity infrastructure, and growing API frameworks across Southeast Asia are accelerating biometric-enabled trust services. China, Japan, and South Korea continue to advance mobile wallet authentication, face recognition, and device-based verification in highly digital consumer environments.
North America is characterized by market-led open banking development, strong bank-fintech partnerships, and increasing regulatory attention to consumer-permissioned data access. The United States is advancing open banking through consumer financial data rights rulemaking under Section 1033 of the Dodd-Frank Act, while Canada is progressing toward consumer-driven banking. Latin America is led by Brazil's regulated open finance model and Pix instant payment ecosystem, with additional momentum from digital banking growth in Mexico and other major economies. Europe remains the regulatory benchmark through PSD2, the transition toward PSD3 and the Payment Services Regulation, mature Strong Customer Authentication adoption, and privacy obligations under GDPR. The Middle East is moving quickly through Saudi Arabia, the UAE, and Bahrain, where fintech strategies, real-time payments, and national digital identity programs support secure digital onboarding. Africa's momentum is strongest where mobile money, digital identity, and financial inclusion priorities intersect, particularly in markets building interoperable payment systems and formal digital identity capabilities.
ASEAN markets are advancing open banking at different speeds, with Singapore, Malaysia, Indonesia, Thailand, and the Philippines building digital finance frameworks that favor secure authentication, consent-based data sharing, and digital onboarding. In the GCC, national fintech strategies, real-time payments, and digital identity investments are creating strong conditions for biometric authentication in banking, especially in Saudi Arabia, the UAE, Bahrain, and Qatar. These markets are prioritizing trust, cybersecurity, and seamless customer experience as part of broader financial sector modernization.
The European Union remains the most influential policy group because PSD2, GDPR, eIDAS, the European Digital Identity framework, and the forthcoming PSD3 and Payment Services Regulation shape global expectations for authentication, privacy, digital identity, and third-party access. BRICS countries show diverse trajectories, with India and Brazil offering advanced open finance and instant payment models, China emphasizing large-scale digital payments, Russia focusing on domestic payment infrastructure, and South Africa developing open finance discussions. G7 markets drive cybersecurity, AI governance, privacy, and digital identity standards, while NATO members increasingly view financial infrastructure resilience, identity assurance, fraud prevention, and secure payment rails as part of wider economic security.
The United States is moving toward a more formal open banking environment through consumer-permissioned financial data rights, while biometric authentication adoption is driven by mobile banking, card-not-present fraud controls, account takeover prevention, and passkey deployment. Canada's consumer-driven banking agenda is reinforcing demand for secure consent management and privacy-aligned digital identity. Mexico is strengthening digital financial services adoption through fintech regulation, payment modernization, and mobile banking expansion, while Brazil stands out for regulated open finance, Pix adoption, and fast digital payment innovation.
In Europe, the United Kingdom remains a leading open banking market, having surpassed 10 million open banking users in 2024, while Germany, France, Italy, and Spain continue to expand PSD2-enabled authentication, SCA compliance, digital identity initiatives, and digital banking modernization. Russia's ecosystem is shaped by domestic payment infrastructure, national card systems, and sovereign technology priorities. China leads in mobile payments and biometric-enabled super-app ecosystems, India combines Aadhaar-scale identity with UPI-led payment growth, Japan emphasizes secure digital banking modernization and cashless payment expansion, Australia advances through the Consumer Data Right, and South Korea benefits from high digital adoption, strong mobile banking usage, advanced authentication technology, and mature digital payment infrastructure.
Industry leaders should prioritize biometric authentication as part of a broader digital trust architecture rather than a standalone login feature. Banks, fintechs, and payment service providers need to align biometric controls with PSD2 SCA, GDPR, eIDAS, local privacy laws, consumer data rights, and emerging AI governance rules. Investment should focus on interoperable API security, FIDO-based authentication, device binding, transaction risk analysis, consent management, and layered fraud detection.
Executives should also build privacy-by-design operating models that minimize biometric data exposure, favor on-device matching where appropriate, and document consent, retention, and redress processes. Vendor selection should emphasize certified liveness detection, presentation attack detection, injection attack resistance, bias testing, explainability, integration with core banking and identity systems, and resilience against deepfake-enabled fraud. The strongest outcomes will come from combining customer convenience with measurable fraud reduction, lower authentication abandonment, stronger operational resilience, and improved compliance readiness.
This executive summary is developed using a secondary research methodology grounded in regulatory analysis, market observation, and triangulation across public and authoritative sources. The assessment considers PSD2 Regulatory Technical Standards, European open banking policy developments, UK open banking adoption updates, consumer-permissioned data initiatives in North America, national open finance frameworks, digital identity programs, real-time payment developments, and cybersecurity guidance relevant to biometric authentication.
The analysis evaluates technology adoption patterns across banks, fintechs, payment institutions, identity verification providers, API platforms, and fraud prevention vendors. It also considers macro drivers such as mobile banking penetration, instant payments, privacy regulation, AI governance, financial inclusion, digital identity modernization, and digital transformation spending. Insights are synthesized to identify market direction, regional differences, competitive implications, and practical strategic priorities for decision-makers without relying on market sizing, market share, or forecasting.
PSD2 and open banking have created a new baseline for secure, consent-based financial services, and biometric authentication is becoming essential to meeting that baseline at scale. As digital payments, embedded finance, and third-party data access expand, institutions must authenticate users with higher assurance while preserving speed, accessibility, and customer trust.
The next phase of market leadership will belong to organizations that combine compliant Strong Customer Authentication with AI-enabled fraud intelligence, privacy-preserving biometric design, resilient API security, and seamless customer journeys. With regulatory frameworks maturing across Europe, Asia-Pacific, North America, Latin America, the Middle East, and Africa, biometric authentication is positioned as a foundational layer of open finance security and competitive differentiation.