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市場調查報告書
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1641929

代幣化解決方案：市場佔有率分析、行業趨勢和統計、成長預測（2025-2030 年）

Tokenization Solution - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2025 - 2030)
出版日期: | 出版商: Mordor Intelligence | 英文 135 Pages | 商品交期: 2-3個工作天內

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簡介目錄

代幣化解決方案市場規模預計在 2025 年為 63 億美元，預計到 2030 年將達到 142.1 億美元，預測期內（2025-2030 年）的複合年成長率為 17.68%。

代幣化解決方案-市場-IMG1

預計推動代幣化市場發展的主要因素包括保持合規性和資料監管報告標準的需要、金融詐騙的增加以及確保持續的客戶體驗和維持詐騙預防水準的需要。

主要亮點

  • 資料將成為智慧財產權，能夠資料提取智慧的公司將佔據主導，無論是創新醫院還是自動駕駛汽車。但隨著資料變得越來越重要，安全的需求和成本也隨之增加。因此，這種需求產生了對標記化解決方案的需求。
  • 此外，雲端服務中資料的快速成長也是推動採用標記化解決方案的主要因素。雲端服務的易於存取和價格合理正在幫助大型企業以及中小型企業採用雲端為基礎的模式。隨著越來越多的資料轉移到雲端，標記化解決方案正被用於確保儲存在雲端中的資料的安全。
  • 幾乎每個產業都擴大採用區塊鏈技術，這也推動了對代幣化解決方案的需求。房地產行業擴大採用代幣化解決方案，也提高了該行業的可近性。代幣化解決方案還提供了將資產轉換為任何代幣價值的能力，從而降低了與投資相關的高成本。這使得投資者可以購買少量的房地產股票。
  • 安全付款閘道的需求不斷成長。隨著付款閘道的採用率不斷提高，客戶正在轉向與其貨幣相關的更安全的付款閘道選項。
  • 標記化解決方案，即使用替代品來取代敏感價值的概念，已經在付款和金融服務領域中得到了廣泛應用。然而，在消費者對智慧型設備的需求和快速變化的技術的主導下，該行業正蓬勃發展，代幣化解決方案不斷創新和進步。

代幣化解決方案的市場趨勢

BFSI 佔最大市場規模

  • 銀行、金融和保險機構從內部和第三方來源取得敏感資料。因此，預計標記化的採用將在 BFSI 領域中變得更加突出和頻繁。標記化為在進行卡片或線上交易時可能面臨風險的敏感資料提供了安全性。
  • 標記化解決方案的另一個好處是，與受損 PAN 相關的詐欺損失顯著減少，該解決方案正得到越來越多人的採用，主要在銀行中。信用卡和付款詐欺的減少也意味著糾紛的減少。此外，銀行可以設定準確的風險比率和限額，以核准真正的客戶的高價值交易。傳統的基於 PAN 的解決方案很難實現這些好處。因此，代幣化解決方案市場正在蓬勃發展。
  • 由於採用了標記化解決方案，銀行的卡片詐騙案件數量也有所下降。此外，代幣化為 BFSI 領域帶來了靈活性、有效性、安全性和低成本模式。預計詐欺案件的減少將增加全球 BFSI 行業的收益，從而進一步推動代幣化解決方案市場的發展。
  • 隨著數位化和資料分析的融合，保險業正處於技術主導的巨大轉型的邊緣。標記化解決方案可協助保險公司保護客戶資料、確保保費支付並進行分析。標記化解決方案可協助保險公司保護客戶資料、確保安全保費支付並實現分析。它還有助於減少詐騙案件，並幫助保險公司將其模式從「檢測和修復」轉變為「預測和預防」。
  • 此外，2023 年 5 月，卡片付款提供者 Visa 推出了一項功能，如果客戶的卡片已被標記化，則該功能允許客戶無需輸入持卡人驗證值 (CVV) 即可進行線上交易。印度推出的免 CVV 功能旨在簡化線上交易。使用此功能的企業將不再需要要求客戶在每次國內交易中輸入他們的 CVV。您的卡片背面的這三位數字在標記化過程中僅驗證一次。
  • 在研究期間，區塊鏈在加密貨幣和 NFT 等金融應用中的使用日益增多，可能會推動代幣化的發展。例如，藝術品領域的非同質化代幣（NFT）的總銷售額從 2022 年 4 月 15 日到 2023 年 4 月波動很大。

預計北美將佔據較大的市場佔有率

  • 由於付款閘道產業早期採用了先進技術，北美成為標記化解決方案市場的主要地區。大多數代幣化解決方案供應商都位於美國，美國佔據了代幣化解決方案市場收益的大部分。
  • 北美是一個受到嚴格監管的地區，網路攻擊和常見的付款詐騙激增，CCPA 等法規對整個行業產生了影響。該地區對代幣化的需求預計會不斷成長。此外，客戶偏好也在發生變化，對數位信用卡和非接觸式付款的偏好預計將推動代幣化市場的成長。
  • 推動北美代標記化市場成長的因素包括智慧型手機使用量的增加、電子商務、線上遊戲、線上串流媒體和政府服務。此外，由於網路購物和交易增加了網路威脅的可能性，政府也在努力改善網路安全和線上交易。
  • 該地區對雲端技術的採用率最高，這是代幣化解決方案日益普及的關鍵因素。該地區也是大型電子商務公司的所在地，也是採用代幣化解決方案最快的地區之一。
  • 該地區零售和電子商務行業的顯著成長預計將進一步推動代幣化解決方案市場的發展。該地區的 BFSI 行業也一直經歷健康成長。由於該地區對區塊鏈技術的採用率最高，代幣化解決方案的市場預計將進一步擴大。

代幣化解決方案產業概覽

代幣化解決方案市場競爭激烈，因為有許多參與者在國內和國際範圍內運作。市場高度分散，主要參與者包括 Paymetric, Inc.、Protegrity USA, Inc.、Broadcom Inc.、Thales Group 和 Hewlett Packard Enterprise。公司正在提高其領域和安全專業知識以獲得競爭優勢。

  • 2022 年 8 月－印度儲備銀行 (RBI) 決定將代幣化功能從傳統的基於設計的代幣化框架轉變為卡文件標記化(COFT)，以確保付款系統的安全。數位付款供應商 Paytm 宣布推出針對線上信用卡和簽帳金融卡交易的標記化方案。這項發展是由印度儲備銀行宣布針對支付聚合器（PA）和支付閘道器（PG）的規則引發的。
  • 2022 年 5 月 - 泰雷茲宣布其 CipherTrust Tokenization 是第一個經 SAP檢驗可用於保護敏感資料的 SAP 用戶端標記化解決方案。泰雷茲標記化解決方案可透過 SAP Data Custodian 訪問，提供更精細的資料安全性和使用者存取限制，從而加快將更多應用程式和工作負載遷移到雲端的公司的合規時間。縮短。

其他福利：

  • Excel 格式的市場預測 (ME) 表
  • 3 個月的分析師支持

目錄

第 1 章 簡介

  • 調查前提條件
  • 研究範圍

第2章調查方法

第3章執行摘要

第4章 市場洞察

  • 市場概況
  • 產業吸引力－波特五力分析
    • 新進入者的威脅
    • 購買者/消費者的議價能力
    • 供應商的議價能力
    • 替代品的威脅
    • 競爭對手之間的競爭強度
  • COVID-19 對市場的影響

第5章 市場動態

  • 市場促進因素
    • 安全付款閘道的需求不斷增加
    • 電子商務和行動付款的普及率不斷提高
    • 政府對資料安全的監管不斷加強
  • 市場限制
    • 透過 EMV 標準解決漏洞
    • 因類似產品而缺乏認知

第6章 市場細分

  • 按類型
    • 解決方案
    • 服務
  • 按部署
    • 本地
    • 雲
  • 按最終用戶產業
    • 零售與電子商務
    • 運輸和物流
    • BFSI
    • 資訊科技/通訊
    • 衛生保健
    • 政府
    • 能源與公共產業
    • 其他最終用戶產業
  • 按地區
    • 北美洲
      • 美國
      • 加拿大
    • 歐洲
      • 英國
      • 德國
      • 法國
    • 亞洲
      • 中國
      • 印度
    • 澳洲和紐西蘭
    • 拉丁美洲
      • 巴西
      • 墨西哥
      • 阿根廷
    • 中東和非洲
      • 阿拉伯聯合大公國
      • 沙烏地阿拉伯
      • 南非

第7章 競爭格局

  • 公司簡介
    • Paymetric, Inc.（A Worldpay Company）
    • Protegrity USA, Inc.
    • Broadcom Inc.
    • Thales Group
    • Hewlett Packard Enterprise
    • First Data Corporation
    • Cardconnect Corporation
    • 3delta Systems, Inc.
    • Ciphercloud Incorporation
    • Cybersource Corporation
    • Liaison Technologies Inc
    • Fiserv, Inc.
    • Tokenex, LLC

第 8 章：市場的未來

第9章投資分析

簡介目錄
Product Code: 62354

The Tokenization Solution Market size is estimated at USD 6.30 billion in 2025, and is expected to reach USD 14.21 billion by 2030, at a CAGR of 17.68% during the forecast period (2025-2030).

Tokenization Solution - Market - IMG1

The main factors anticipated to propel the development of the tokenization market are the need to remain compliant and meet regulatory reporting standards, the growing need to guarantee continuous customer experience and maintain fraud prevention levels due to increasing financial frauds, and the need to reduce risk from data breaches.

Key Highlights

  • Data has become an intellectual property and companies that can distill intelligence from their data, whether in an innovative hospital or from an autonomous car, are expected to be the ones to lead. But, as the importance of data increases, the need for security and the cost of security also increases simultaneously. Hence, this need is generating the demand for tokenization solutions.
  • The data proliferation in cloud services is also a significant factor in the growing adoption of tokenization solutions. Easy and affordable accessibility of cloud services is not only helping large enterprises but also SMEs in adopting a cloud-based model. As more data moves to the cloud, tokenization solutions are being used to secure data stored in the cloud.
  • The increasing adoption of blockchain technology in almost every industry is another factor thriving the demand for tokenization solutions. The rising adoption of tokenization solutions in the real estate industry is also enhancing the accessibility of the sector. Tokenization solutions also mitigate high costs associated with the investment by providing the ability to convert assets into any token value. Through this, investors can buy even a tiny property share.
  • There has been a continuously growing demand for secure payment gateways. Due to the increased adoption rate of payment gateways, customers are switching to more secure payment gateway options due to the currency involved.
  • A tokenization solution, the concept of a surrogate being used to replace the sensitive value, has been prominently used in payments and financial services for a considerably long period. However, the consumer-driven demand for smart devices, coupled with rapidly changing technologies, has the industry buzzed about tokenization solutions innovations and advancements.

Tokenization Solution Market Trends

BFSI to hold the largest market size

  • Banking, financial, and insurance institutions are privy to sensitive data from internal and third-party sources. Hence, adopting Tokenization is expected to be more prominent and frequent in the BFSI sector, as it provides security for sensitive data, which is prone to risk during card or online transactions.
  • The other benefit of tokenization solutions, primarily resulting in growing adoption for banks, is the significant reduction of fraud losses related to PAN compromise. Reduced card and payment fraud also mean fewer disputes. Furthermore, banks can set accurate risk ratios and limits and authorize high-value transactions for genuine customers. These advantages are more difficult to achieve with a traditional PAN-based solution. Hence, a thriving market for tokenization solutions.
  • Adopting tokenization solutions has also reduced the number of card fraud cases in banks. Besides, it also brings flexibility, effectiveness, security, and a low-cost model to the BFSI sector. Reduction in fraud cases would increase the revenue of the BFSI industry globally, which is estimated to drive the market for Tokenization solutions further.
  • Due to the digitization and data analytics integration, the Insurance industry is on the verge of a seismic, tech-driven shift. Tokenization solutions are helping insurance companies in customer data protection and secure payment of premiums and their analysis. It is also assisting in reducing fraud cases and the transformation of insurance companies' model of "detect and repair" to "predict and prevent."
  • Futhermore, in May 2023, Visa, a firm that provides card payments, has introduced a feature that, if the card has been tokenized, enables customers to conduct online transactions without having to enter the cardholder verification value (CVV). The CVV-free function, which was introduced in India, aims to simplify online transactions. Those businesses that use it won't need to ask clients for their CVV each time they do a domestic transaction. This three-digit number on the back of the card will only be verified once, during the tokenization process.
  • The increasing usage of blockchain in financial applications such as cryptocurrencies and NFTs will drive Tokenization in the studied period. For instance, the total value of sales involving non-fungible tokens (NFTs) in the art area fluctuated wildly between April 15, 2022, and April 2023.

North America is Expected to Hold Significant Market Share

  • North America is the dominating region in the tokenization solution market, owing to the earliest adoption of advanced technology in the payment gateway industry. Most tokenization solution vendors are American based, accounting for the major portion of the revenue of the tokenization solution market.
  • North America is a highly regulated region, with the regulations like a surge in cyber attacks, generally fraud of payments, and CCPA across the industry. It is expected that the need for tokenization will grow in this region. Customers' preferences are also changing; their inclination toward digital credit cards and contactless payments is expected to fuel the tokenization market growth.
  • The factors that are also intending the North American tokenization market growth are increasing usage of smartphones, E-Commerce, and services like online gaming, online streaming, and government services. The government is also taking initiatives to improve cyber security and online transactions because online shopping or transactions are increasing the chances of cyber threats.
  • The adoption of cloud technology is highest in the region, a vital reason for the growing adoption of tokenization solutions. The region is also the home of all the major e-commerce major companies, where the adoption of tokenization solutions is highest.
  • The significant growth of the retail and e-commerce industry in the region is further estimated to grow the tokenization solution market. The BFSI sector has also shown healthy growth in the region. The highest adoption of blockchain technology in the region is estimated to further expand the tokenization solution market significantly.

Tokenization Solution Industry Overview

The Tokenization solution market is competitive because of the presence of many players running their businesses within national and international boundaries. The market is highly fragmented, with significant players like Paymetric, Inc., Protegrity USA, Inc., Broadcom Inc., Thales Group, and Hewlett Packard Enterprise. The companies improve their expertise in the field and security to gain a competitive advantage.

  • August 2022 - The Reserve Bank of India (RBI) has expanded the tokenization facility from an earlier designed-based tokenization framework to Card on File Tokenization (COFT) to ensure the payment system's safety and security. The digital payment provider Paytm has unveiled a tokenization method for online credit and debit card transactions. The RBI released rules for payment aggregators (PA) and payment gateways (PG), which sparked the beginning of this development.
  • May 2022 - Thales declared that their CipherTrust Tokenization is the first tokenization solution for SAP clients validated by SAP and can be used to safeguard sensitive data. The tokenization solution from Thales, accessible through SAP Data Custodian, offers more granular levels of data security and user access restrictions, significantly reducing the time to compliance for businesses that are shifting more apps and workloads to the cloud.

Additional Benefits:

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

TABLE OF CONTENTS

1 INTRODUCTION

  • 1.1 Study Assumptions
  • 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 Force Analysis
    • 4.2.1 Threat of New Entrants
    • 4.2.2 Bargaining Power of Buyers/Consumers
    • 4.2.3 Bargaining Power of Suppliers
    • 4.2.4 Threat of Substitute Products
    • 4.2.5 Intensity of Competitive Rivalry
  • 4.3 IMPACT OF COVID-19 ON THE MARKET

5 MARKET DYNAMICS

  • 5.1 Market Drivers
    • 5.1.1 Growing Demand for Secure Payment Gateways
    • 5.1.2 Rising Adoption in E-commerce and Mobile payments
    • 5.1.3 Growing Government Regulations On Data Security
  • 5.2 Market Restraints
    • 5.2.1 Addressing Vulnerabilities From EMV Standards
    • 5.2.2 Lack of Awareness Due to Similar Products

6 MARKET SEGMENTATION

  • 6.1 By Type
    • 6.1.1 Solutions
    • 6.1.2 Services
  • 6.2 By Deployment
    • 6.2.1 On-Premise
    • 6.2.2 Cloud
  • 6.3 By End-User Industry
    • 6.3.1 Retail & E-commerce
    • 6.3.2 Transportation & Logistics
    • 6.3.3 BFSI
    • 6.3.4 IT & Telecommunications
    • 6.3.5 Healthcare
    • 6.3.6 Government
    • 6.3.7 Energy & Utilities
    • 6.3.8 Other End-User Industries
  • 6.4 Geography
    • 6.4.1 North America
      • 6.4.1.1 United States
      • 6.4.1.2 Canada
    • 6.4.2 Europe
      • 6.4.2.1 United Kingdom
      • 6.4.2.2 Germany
      • 6.4.2.3 France
    • 6.4.3 Asia
      • 6.4.3.1 China
      • 6.4.3.2 India
    • 6.4.4 Australia and New Zealand
    • 6.4.5 Latin America
      • 6.4.5.1 Brazil
      • 6.4.5.2 Mexico
      • 6.4.5.3 Argentina
    • 6.4.6 Middle East & Africa
      • 6.4.6.1 United Arab Emirates
      • 6.4.6.2 Saudi Arabia
      • 6.4.6.3 South Africa

7 COMPETITIVE LANDSCAPE

  • 7.1 Company Profiles
    • 7.1.1 Paymetric, Inc. (A Worldpay Company)
    • 7.1.2 Protegrity USA, Inc.
    • 7.1.3 Broadcom Inc.
    • 7.1.4 Thales Group
    • 7.1.5 Hewlett Packard Enterprise
    • 7.1.6 First Data Corporation
    • 7.1.7 Cardconnect Corporation
    • 7.1.8 3delta Systems, Inc.
    • 7.1.9 Ciphercloud Incorporation
    • 7.1.10 Cybersource Corporation
    • 7.1.11 Liaison Technologies Inc
    • 7.1.12 Fiserv, Inc.
    • 7.1.13 Tokenex, LLC

8 FUTURE OF THE MARKET

9 INVESTMENT ANALYSIS