智慧卡：市場佔有率分析、產業趨勢、統計數據和成長預測（2025-2030 年）

預計到 2025 年智慧卡市場規模將達到 203 億美元，到 2030 年將達到 306 億美元，在預測期內複合年成長率將達到 8.6%。

向EMV晶片卡的持續轉型、國家數位身分專案的擴展以及對多應用憑證日益成長的需求，持續推動成長。非接觸式技術現已成為零售支付的主流，雙界面卡為僅擁有傳統接觸式卡的發卡機構提供了一條循序漸進的升級路徑。隨著政府和企業融合實體身份和數位身份，卡片上的安全元素正迅速普及，為保全服務創造了新的商機。從區域來看，亞洲擁有最大的安裝基礎，但非洲預計將迎來最大的成長，因為非洲以行動優先的支付生態系統正在將發卡業務拓展到先前未開發的客戶群。儘管競爭程度適中，但第一線製造商正透過永續性相關產品和生物辨識創新來增強其市場佔有率，從而在價格之外實現差異化。

全球智慧卡市場趨勢與洞察

新興亞洲國家向非接觸式EMV的過渡

2024年，孟加拉和尼泊爾建立了本地EMV 3級測試實驗室，縮短了認證週期，降低了發卡機構的成本，並加快了EMV技術的推廣速度。中國非接觸式交易量年增率達37%，印度發卡量年增率達42%。這些數據反映了非接觸式支付的普及，並凸顯了終端升級所需的基礎設施。在競爭激烈的零售市場中，銀行將非接觸感應卡視為客戶維繫手段，而商家則受益於更快的結帳速度，從而提高了交易效率。目前，EMV卡已佔全球發卡量的70%，亞洲發卡機構已做好充分準備，直接轉換為雙介面產品組合。因此，短期銷售成長將主要集中在能夠支援交通票務和小額線下支付等附加價值服務的安全微控制器卡上。

歐盟和海灣合作理事會國家電子身分證和數位健康卡推廣計劃

歐盟數位身分法規將於2024年5月生效，屆時成員國將被要求同時提供實體卡片和行動憑證，這將持續推高對高安全性聚碳酸酯卡的需求。海灣合作理事會（GCC）國家在推動醫療服務和邊境管制系統現代化的同時，也採取類似的措施。目前，CoreLam等公司的聚碳酸酯嵌體已應用於20多個國家專案中。製造商受益於多年期供應契約，這些契約有利於那些能夠提供個性化客製化、密鑰管理和安全小程序加載等服務的垂直整合型企業。電子錢包的普及需要時間，因此，實體電子身分證的發放仍將作為強制性的備用方案，並在過渡期內鎖定基本單位數量。

代幣化虛擬卡的興起降低了實體卡的需求。

預計到2027年，虛擬卡交易量將成長四倍，超過1,210億筆，而萬事達卡的目標是標記化，並減少低價值簽帳金融卡組合的更換週期。雖然實體卡對於線下交易和線下備用方案仍然至關重要，但在成熟市場，錢包佔有率可能會向加密貨幣傾斜，從而減緩實體卡的銷售成長。

細分市場分析

到2024年，非接觸感應卡將佔智慧卡市場佔有率的54%，進一步鞏固其作為日常支付外形規格的地位。雙介面卡的發行量正以8.7%的複合年成長率成長，發卡機構力求在不影響非接觸式支付功能的前提下，實現與傳統接觸式終端的向下相容。 EMV C-8通用核心等創新技術降低了終端認證的複雜性，並推動了其更廣泛的應用。同時，英飛凌晶片組的改進縮短了交易時間，並提升了高吞吐量零售環境下的用戶體驗。

發卡機構對非接觸式卡的需求在政府和國防部門依然強勁，因為實體介面能夠增強安全性，有效抵禦繼電器攻擊。混合卡將多種技術整合於單張基板，以滿足特定企業對邏輯和實體混合存取的需求。因此，競爭格局正從純粹的介面類型轉向生物辨識卡匹配和發卡後個人化等增值功能。

到2024年，微控制器卡將佔據智慧卡市場62%的佔有率，這反映了其在支付、電信和身分識別等應用場景中的多功能性；而受電子識別和數位錢包生態系統中日益成長的加密需求驅動，安全元件卡將以10.2%的複合年成長率成長。 SECORA Pay Bio的承包平台展示如何將感測器整合與安全元件捆綁在一起，從而降低物料成本並縮短產品上市時間。

僅記憶卡仍然適用於公共交通和預付禮品卡等應用程式場景，在這些場景中，成本敏感度高於處理需求。像恩智浦半導體 (NXP) 的 MOB10 這樣的超薄模組透過提高抗彎曲應力能力，為護照應用開闢了新的途徑。總體而言，產品組合向安全元件的轉變有利於擁有通用準則 (Common Criteria) 認證產品線的半導體供應商，從而在市場中保持技術主導的護城河。

區域分析

2024年，亞洲將以44%的營收佔有率引領智慧卡市場，這主要得益於EMV晶片卡的快速普及和國民身分證的發行。儘管中國已擁有QR CODE支付生態系統，但其非接觸式交易量仍較去年同期成長37%。印度的非接觸感應卡發行量增加了42%，但農村地區的基礎設施不足阻礙了其廣泛應用。日本正在試辦生物辨識支付卡，以因應卡片詐騙激增30%的問題，並預計到2028年，非接觸式支付交易額將達到8,700億美元。

歐洲在價值方面排名第二。 eIDAS-2.0 的強制要求正在推動對實體和數位身分的需求，北歐公司正在率先開發 FIDO2 硬體金鑰。 GDPR 相關的複雜性正在減緩跨國發卡平台的發展，並促使發卡機構轉向國家級個人化中心。萬事達卡承諾在 2030 年實現全面代幣化，這標誌著向數位憑證的逐步轉變。

非洲是成長最快的地區，複合年成長率達9.3%。 2024年，行動支付服務交易金額將達到1.68兆美元，這將推動對配對簽帳金融卡的需求。南非的卡片付款將在2025年超過1,580億美元，埃及的目標是到2030年實現1,040億美元的數位支付額。 Orange MEA和萬事達卡等策略聯盟的目標是到2025年為4,000萬用戶實現支付數位化。北美致力於減少數位詐騙，南美將受益於SIM卡的擴展，而澳洲已在其2025-2028年安全藍圖中優先考慮令牌化技術（visa.com.au）。

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 引言

• 研究假設和市場定義
• 調查範圍

第2章調查方法

第3章執行摘要

第4章 市場情勢

• 市場概覽
• 市場促進因素
  • 新興亞洲經濟體向非接觸式EMV的過渡
  • 歐盟和海灣合作理事會國家電子身分證和數位健康卡推廣計劃
  • 拉丁美洲預付SIM卡的成長推動了安全元件的普及
  • 歐盟 eIDAS-2.0 數位錢包法規簡介
  • 轉向永續性的再生塑膠和生質塑膠卡片
  • FIDO2卡上生物識別認證在北歐的普及
• 市場限制
  • 代幣化虛擬卡的興起降低了實體卡的需求
  • 解決MCU供應鏈的不穩定問題
  • GDPR 導致跨境發行平台延遲
  • 詐欺行為轉移到非接觸式支付管道導致北美信用卡升級率下降
• 供應鏈分析
• 監理與技術展望
• 波特五力分析
  • 供應商的議價能力
  • 買方的議價能力
  • 新進入者的威脅
  • 替代品的威脅
  • 競爭對手之間的競爭
• 供應商定位分析
• 投資分析

第5章 市場規模與成長預測

• 按介面類型
  • 接觸
  • 非接觸式
  • 雙介面
  • 混合
• 按卡晶片類型
  • 記憶
  • 微控制器
  • 卡上安全元件/系統
• 材料
  • PVC
  • 聚碳酸酯（PC）
  • ABS
  • PETG和生物基塑膠
  • 金屬和複合材料
• 按功能/用途
  • 支付與銀行
  • 識別和電子身份識別
  • 門禁控制和物理安全
  • 通訊和SIM卡
  • 交通票
  • 醫療保健和保險
  • 零售與忠誠度
• 按最終用戶行業分類
  • BFSI
  • 資訊科技和通訊
  • 政府和公共部門
  • 運輸/物流
  • 衛生保健
  • 零售和酒店業
  • 教育及其他
• 按地區
  • 北美洲
    • 美國
    • 加拿大
    • 墨西哥
  • 歐洲
    • 英國
    • 德國
    • 法國
    • 義大利
    • 其他歐洲地區
  • 亞太地區
    • 中國
    • 印度
    • 日本
    • 韓國
    • 亞太其他地區
  • 南美洲
    • 巴西
    • 阿根廷
    • 其他南美洲
  • 中東
    • GCC
    • 土耳其
    • 其他中東地區
  • 非洲
    • 南非
    • 奈及利亞
    • 肯亞
    • 其他非洲地區

第6章 競爭情勢

• 市場集中度
• 策略趨勢
• 市佔率分析
• Vendor Positioning Analysis
• 公司簡介
  • Thales Group（Gemalto）
  • IDEMIA
  • Giesecke and Devrient GmbH
  • Infineon Technologies AG
  • HID Global（Assa Abloy AB）
  • NXP Semiconductors NV
  • CPI Card Group Inc.
  • Watchdata Technologies
  • Bundesdruckerei GmbH
  • Fingerprint Cards AB
  • Samsung Electronics Co., Ltd.
  • KONA I Co., Ltd.
  • CardLogix Corporation
  • IntelCav
  • Secura Key
  • Alioth LLC
  • Eastcompeace Technology Co., Ltd.
  • American Banknote Corporation（ABCorp）
  • Paragon ID（ASK）
  • Shenzhen Hengbao Co., Ltd.
  • VALID SA

第7章 市場機會與未來展望

The smart card market size stands at USD 20.3 billion in 2025 and is projected to reach USD 30.6 billion by 2030, advancing at an 8.6% CAGR through the forecast period.

Consistent migration to EMV, expanding national digital-identity programs, and rising demand for multi-application credentials continue to anchor growth. Contactless technology is now mainstream in retail payments, while dual-interface cards offer an incremental upgrade path for issuers that still maintain legacy contact-only estates. Secure elements on cards are witnessing rapid uptake as governments and enterprises converge physical and digital identity, a trend that creates adjacent opportunities in cybersecurity services. Regionally, Asia commands the largest installed base, yet the deepest expansion runway lies in Africa, where mobile-first payment ecosystems unlock card issuance at previously untapped customer tiers. Competitive intensity is moderate; tier-one manufacturers are consolidating share through sustainability-linked products and biometric innovations that create differentiation beyond price.

Global Smart Card Market Trends and Insights

Contactless EMV Migration in Emerging Asian Economies

Roll-out momentum accelerated in 2024 as Bangladesh and Nepal commissioned local EMV Level 3 test labs that shorten certification cycles and cut issuer costs. China saw a 37% annual rise in contactless transactions, while India logged 42% growth in issuance, figures that reflect the mainstreaming of tap-to-pay and underscore the addressable base for terminal upgrades. Banks frame contactless issuance as a retention lever in overcrowded retail markets, and merchants benefit from faster checkout speeds that lift throughput. With EMV-enabled cards already accounting for 70% of global issuance, Asian issuers are positioned to leapfrog directly to dual-interface portfolios. Near-term sales growth, therefore, skews toward secure microcontroller cards able to support value-added services such as transit ticketing and small-value offline payments.

EU & GCC National eID and Digital Health Card Roll-outs

Implementation of the EU Digital Identity Regulation in May 2024 obliges member states to provide physical and mobile credentials in parallel, sustaining demand for high-security polycarbonate cards. GCC countries follow a similar path as they modernize healthcare delivery and border-control frameworks. Polycarbonate inlays such as CoreLam are now deployed in 20+ national programs. Manufacturers gain from multi-year supply contracts that favor vertically integrated players capable of personalisation, key management, and secure applet loading. Because wallet adoption will take time, physical eID issuance remains a mandatory fallback, locking in baseline unit volumes during the transition period.

Rise of Tokenised Virtual Cards Reducing Physical Demand

Virtual card transactions are forecast to quadruple to more than 121 billion by 2027, while Mastercard targets 100% e-commerce tokenisation in Europe by 2030. The shift diverts issuer budgets toward digital engagements and shrinks replacement cycles for low-value debit portfolios. Physical cards remain essential for face-to-face acceptance and offline fallback, yet the share of wallet could tilt toward virtual instruments in mature markets, dampening unit growth.

Other drivers and restraints analyzed in the detailed report include:

1. Pre-paid SIM Expansion Driving Secure Elements in Latin America
2. EU eIDAS-2.0 digital wallet regulation adoption
3. Secure MCU Supply-chain Volatility

For complete list of drivers and restraints, kindly check the Table Of Contents.

Segment Analysis

Contactless cards accounted for 54% of the smart card market size in 2024, reaffirming their status as the de facto form factor for everyday payments. Dual-interface issuance is rising at an 8.7% CAGR as issuers seek backward compatibility with legacy contact-only terminals without compromising tap-to-pay functionality. Innovations such as the EMV C-8 universal kernel reduce terminal certification complexity and catalyse acceptance expansion. In parallel, chipset improvements from Infineon shorten transaction time, improving user experience in high-throughput retail environments.

Issuer appetite for contact-only cards persists in government and defence, where a physical interface adds a security layer against relay attacks. Hybrid cards, embedding multiple technologies on a single substrate, satisfy niche enterprise requirements for logical and physical access convergence. The competitive narrative, therefore, shifts from mere interface type to value-added capabilities such as biometric match-on-card and post-issuance personalisation, themes that enable vendors to defend margins in the smart card market.

Microcontroller cards captured 62% of the smart card market share in 2024, reflecting their versatility across payments, telecom, and identity use cases. Secure element cards, however, are expanding at a 10.2% CAGR thanks to heightened cryptographic requirements in eID and digital-wallet ecosystems. The SECORA Pay Bio turnkey platform exemplifies how sensor integration and secure elements can be bundled to compress the bill-of-materials and time-to-market.

Memory-only cards remain relevant for mass transit and prepaid gift applications where cost sensitivity outweighs processing needs. Ultra-thin modules such as NXP's MOB10 unlock new passport applications by improving durability against bending stress. Overall, the product-mix shift toward secure elements benefits semiconductor suppliers with certified Common Criteria product lines, sustaining a technology-led competitive moat within the smart card market.

Smart Card Market Report is Segmented by Interface Type (Contact, Contact-Based, and More), Card Chip Type (Memory, Microcontroller, and More), Material (PVC, Polycarbonate, and More), Application (Payment and Banking, and More), End-User Vertical (BFSI, IT and Telecommunication, and More), and by Geography. The Market Forecasts are Provided in Terms of Value (USD).

Geography Analysis

Asia led the smart card market with 44% revenue share in 2024, anchored by rapid EMV penetration and national ID issuances. Contactless transactions in China rose 37% year-on-year despite coexistence with QR payment ecosystems. India logged 42% growth in contactless card issuance, though rural infrastructure gaps temper full-scale adoption. Japan, responding to a 30% spike in credit-card fraud, is piloting biometric payment cards and expects contactless payment value to reach USD 870 billion by 2028.

Europe holds second place by value. The eIDAS-2.0 mandate drives both physical and digital identity demand, while Nordic enterprises pioneer FIDO2 hardware keys. GDPR-linked complexity delays multi-country issuance platforms, nudging issuers toward domestically hosted personalization centres. Mastercard's commitment to full tokenisation by 2030 signals a gradual pivot to digital credentials, yet physical cards remain obligatory for offline verification and multi-channel access.

Africa is the fastest-growing region at a 9.3% CAGR. Mobile-money services processed transactions worth USD 1.68 trillion in 2024, catalysing demand for companion debit cards. South-African card payments will surpass USD 158 billion in 2025, while Egypt targets USD 104 billion in digital payments by 2030. Strategic alliances, such as Orange MEA and Mastercard, aim to digitize payments for 40 million users by 2025. North America emphasizes digital-fraud mitigation, South America benefits from SIM expansion, and Australia prioritizes tokenisation under its 2025-2028 security roadmap, visa.com.au.

1. Thales Group (Gemalto)
2. IDEMIA
3. Giesecke and Devrient GmbH
4. Infineon Technologies AG
5. HID Global (Assa Abloy AB)
6. NXP Semiconductors N.V.
7. CPI Card Group Inc.
8. Watchdata Technologies
9. Bundesdruckerei GmbH
10. Fingerprint Cards AB
11. Samsung Electronics Co., Ltd.
12. KONA I Co., Ltd.
13. CardLogix Corporation
14. IntelCav
15. Secura Key
16. Alioth LLC
17. Eastcompeace Technology Co., Ltd.
18. American Banknote Corporation (ABCorp)
19. Paragon ID (ASK)
20. Shenzhen Hengbao Co., Ltd.
21. VALID S.A.

Additional Benefits:

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

TABLE OF CONTENTS

1 INTRODUCTION

• 1.1 Study Assumptions and Market Definition
• 1.2 Scope of the Study

2 RESEARCH METHODOLOGY

3 EXECUTIVE SUMMARY

4 MARKET LANDSCAPE

• 4.1 Market Overview
• 4.2 Market Drivers
  • 4.2.1 Contactless EMV Migration in Emerging Asian Economies
  • 4.2.2 EU and GCC National eID and Digital Health Card Roll-outs
  • 4.2.3 Pre-paid SIM Expansion Driving Secure Elements in LATAM
  • 4.2.4 EU eIDAS-2.0 Digital Wallet Regulation Adoption
  • 4.2.5 Sustainability-Driven Shift to Recycled and Bio-Plastic Cards
  • 4.2.6 Biometric FIDO2 On-card Authentication Uptake in Nordics
• 4.3 Market Restraints
  • 4.3.1 Rise of Tokenised Virtual Cards Reducing Physical Demand
  • 4.3.2 Secure MCU Supply-Chain Volatility
  • 4.3.3 GDPR-Driven Delays in Cross-border Issuance Platforms
  • 4.3.4 Fraud Migration to CNP Channels Curtailing NA Card Upgrades
• 4.4 Supply Chain Analysis
• 4.5 Regulatory and Technological Outlook
• 4.6 Porter's Five Forces Analysis
  • 4.6.1 Bargaining Power of Suppliers
  • 4.6.2 Bargaining Power of Buyers
  • 4.6.3 Threat of New Entrants
  • 4.6.4 Threat of Substitutes
  • 4.6.5 Intensity of Competitive Rivalry
• 4.7 Vendor Positioning Analysis
• 4.8 Investment Analysis

5 MARKET SIZE AND GROWTH FORECASTS (VALUE)

• 5.1 By Interface Type
  • 5.1.1 Contact
  • 5.1.2 Contactless
  • 5.1.3 Dual Interface
  • 5.1.4 Hybrid
• 5.2 By Card Chip Type
  • 5.2.1 Memory
  • 5.2.2 Microcontroller
  • 5.2.3 Secure Element/System-on-Card
• 5.3 By Material
  • 5.3.1 PVC
  • 5.3.2 Polycarbonate (PC)
  • 5.3.3 ABS
  • 5.3.4 PETG and Bio-based Plastics
  • 5.3.5 Metal and Composite
• 5.4 By Function/Application
  • 5.4.1 Payment and Banking
  • 5.4.2 Identification and eID
  • 5.4.3 Access Control and Physical Security
  • 5.4.4 Telecom and SIM
  • 5.4.5 Transportation Ticketing
  • 5.4.6 Healthcare and Insurance
  • 5.4.7 Retail and Loyalty
• 5.5 By End-user Industry
  • 5.5.1 BFSI
  • 5.5.2 IT and Telecommunications
  • 5.5.3 Government and Public Sector
  • 5.5.4 Transportation and Logistics
  • 5.5.5 Healthcare
  • 5.5.6 Retail and Hospitality
  • 5.5.7 Education and Others
• 5.6 By Geography
  • 5.6.1 North America
    • 5.6.1.1 United States
    • 5.6.1.2 Canada
    • 5.6.1.3 Mexico
  • 5.6.2 Europe
    • 5.6.2.1 United Kingdom
    • 5.6.2.2 Germany
    • 5.6.2.3 France
    • 5.6.2.4 Italy
    • 5.6.2.5 Rest of Europe
  • 5.6.3 Asia-Pacific
    • 5.6.3.1 China
    • 5.6.3.2 India
    • 5.6.3.3 Japan
    • 5.6.3.4 South Korea
    • 5.6.3.5 Rest of Asia-Pacific
  • 5.6.4 South America
    • 5.6.4.1 Brazil
    • 5.6.4.2 Argentina
    • 5.6.4.3 Rest of South America
  • 5.6.5 Middle East
    • 5.6.5.1 GCC
    • 5.6.5.2 Turkey
    • 5.6.5.3 Rest of Middle East
  • 5.6.6 Africa
    • 5.6.6.1 South Africa
    • 5.6.6.2 Nigeria
    • 5.6.6.3 Kenya
    • 5.6.6.4 Rest of Africa

6 COMPETITIVE LANDSCAPE

• 6.1 Market Concentration
• 6.2 Strategic Moves
• 6.3 Market Share Analysis
• 6.4 Vendor Positioning Analysis
• 6.5 Company Profiles (includes Global level Overview, Market level overview, Core Segments, Financials as available, Strategic Information, Market Rank/Share for key companies, Products and Services, and Recent Developments)
  • 6.5.1 Thales Group (Gemalto)
  • 6.5.2 IDEMIA
  • 6.5.3 Giesecke and Devrient GmbH
  • 6.5.4 Infineon Technologies AG
  • 6.5.5 HID Global (Assa Abloy AB)
  • 6.5.6 NXP Semiconductors N.V.
  • 6.5.7 CPI Card Group Inc.
  • 6.5.8 Watchdata Technologies
  • 6.5.9 Bundesdruckerei GmbH
  • 6.5.10 Fingerprint Cards AB
  • 6.5.11 Samsung Electronics Co., Ltd.
  • 6.5.12 KONA I Co., Ltd.
  • 6.5.13 CardLogix Corporation
  • 6.5.14 IntelCav
  • 6.5.15 Secura Key
  • 6.5.16 Alioth LLC
  • 6.5.17 Eastcompeace Technology Co., Ltd.
  • 6.5.18 American Banknote Corporation (ABCorp)
  • 6.5.19 Paragon ID (ASK)
  • 6.5.20 Shenzhen Hengbao Co., Ltd.
  • 6.5.21 VALID S.A.

7 MARKET OPPORTUNITIES AND FUTURE OUTLOOK

• 7.1 White-space and Unmet-Need Assessment