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市場調查報告書
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2047961

智慧卡市場－全球產業規模、佔有率、趨勢、機會、預測：按類型、最終用戶產業、地區和競爭格局分類，2021-2031年

Smart Cards Market - Global Industry Size, Share, Trends, Opportunity, and Forecast Segmented By Type, By End-User Industries, By Region & Competition, 2021-2031F
出版日期: | 出版商: TechSci Research | 英文 185 Pages | 商品交期: 2-3個工作天內

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簡介目錄

全球智慧卡市場預計將從 2025 年的 170.4 億美元大幅成長至 2031 年的 362.2 億美元，複合年成長率為 13.39%。

這些攜帶式設備整合了積體電路，旨在執行資料處理，以實現安全的資訊儲存、身份驗證和認證。市場成長的主要驅動力是通訊業和銀行業對更高安全性的日益成長的需求，以及全球向無現金支付系統的轉變。此外，世界各國政府正在強制推行國民身分證數位化，這一趨勢持續加速高安全性接觸式和非接觸感應卡技術的普及應用。

市場概覽
預測期 2027-2031
市場規模：2025年 170.4億美元
市場規模：2031年 362.2億美元
複合年成長率：2026-2031年 13.39%
成長最快的細分市場 金融服務業
最大的市場 亞太地區

根據智慧支付協會報告，到2025年，其成員公司在2024年已在全球出貨25億張支付卡和模組。儘管出貨量巨大，但市場仍面臨來自快速發展的數位行動錢包和基於軟體的安全替代方案的重大挑戰。這些虛擬解決方案減少了對實體硬體的需求，並可能限制傳統智慧卡製造商的未來成長，因為消費者越來越依賴智慧型手機而非實體卡進行日常交易。

市場促進因素

非接觸式支付技術的普及正在從根本上改變全球智慧卡市場，迫使金融機構加快雙介面卡的推廣。這項轉變主要源自於消費者對衛生和交易速度的期望，促使傳統銀行卡產品組合進行全面革新，以適應近距離場通訊 (NFC) 標準。智慧支付協會 (SPA) 在 2025 年 5 月發布的報告中強調了這項技術的優勢，報告指出，2024 年全球支付卡出貨量中 92% 將支援非接觸式支付，這意味著非接觸式硬體實際上正在被淘汰。這種普及也反映在使用率上。萬事達卡在 2024 年 10 月的第三季財報電話會議上確認，非接觸式支付約佔所有面對面交易的 70%，這充分證明了消費行為轉變的成功。

同時，政府對電子身分認證的需求也成為重要的次要驅動力，刺激了內建微處理器和先進安全技術的智慧卡的需求。在全球範圍內，從紙本身分證向數位認證的過渡正在推進，旨在加強邊防安全、預防詐欺並改善電子政府服務的取得。這些舉措需要具備加密和生物特徵資料儲存功能的先進智慧卡，從而為金融業以外的製造商創造了一個高價值的垂直市場。泰雷茲集團於2024年10月發布的截至2024年9月30日的訂單和銷售報告清楚反映了這一經濟影響。報告顯示，該公司「數位身分與安全」業務部門的銷售額成長了15.7%，顯示公共部門的現代化正在積極推動安全智慧卡技術的市場擴張。

市場挑戰

全數位化行動錢包和軟體安全解決方案的快速普及是全球智慧卡市場成長的主要障礙。隨著企業和消費者越來越依賴存儲在智慧型手機中的虛擬憑證，對具有嵌入式積體電路的實體塑膠卡的需求正在下降。這項技術進步使安全認證與專用硬體符記脫鉤，使通用行動裝置能夠執行數位身份檢驗和非接觸式支付等關鍵功能。因此，對實體卡的依賴性正在降低，而「數位優先」的無實體媒體發卡模式的推廣直接阻礙了卡片製造商銷售量的潛在成長。

這種競爭威脅的嚴重性體現在以行動端為中心的金融生態系統的廣泛普及，這些生態系統獨立於傳統的銀行卡基礎設施運作。根據GSMA的報告，到2024年，全球將有超過20億個註冊的行動支付帳戶，支援約1,080億筆交易。軟體平台的廣泛應用表明，消費者對行動介面的偏好日益增強，而非實體媒介。隨著這些虛擬解決方案的普及，成熟經濟體和新興經濟體的實體卡出貨量成長都將受到抑制，從而限制了傳統智慧卡技術的目標市場規模。

市場趨勢

將生物識別感測器整合到卡片表面正成為一項重要的發展趨勢，旨在提升用戶便利性並打擊詐欺行為。金融機構正在增加配備指紋掃描器的支付卡的發行量，持卡人只需將拇指放在感應器上即可核准交易，有效免去了輸入密碼的麻煩。這項創新使得在不犧牲交易速度的前提下，保護非接觸式支付免受未授權存取成為可能。消費者對這項功能的興趣非常高。 Idemia 於 2025 年 1 月發布的新聞稿《Idemia 推出生物識別支付卡智慧型手機註冊服務》引述研究數據稱，79% 的全球消費者對提供生物識別卡的銀行持更積極的態度，這鼓勵發卡機構在高階產品中優先考慮這項技術。

同時，為了遵守國際環境目標，市場正轉向生物基和再生材料。製造商正積極以環保材料（如再生PVC和海洋再生塑膠）取代原生聚氯乙烯（PVC），以減少碳足跡。在銀行努力向具有環保意識的客戶展示其對永續性的承諾的推動下，這一趨勢正從先導計畫發展到大規模部署。智慧支付協會於2025年5月發布的題為《智慧支付協會報告：2024年卡片和模組出貨量達25億張》的報告，清楚地​​展現了這一變化的規模。報告顯示，2024年全球永續支付卡的出貨量成長了28%，目前佔全球整體所有卡片出貨量的三分之一。

目錄

第1章概述

第2章：調查方法

第3章執行摘要

第4章：客戶心聲

第5章：全球智慧卡市場展望

  • 市場規模及預測
    • 按金額
  • 市佔率及預測
    • 按類型（接觸式、非接觸式）
    • 按最終用戶行業分類（銀行、金融服務和保險業、IT和電信業、政府、交通運輸業、其他最終用戶行業）
    • 按地區
    • 按公司（2025 年）
  • 市場地圖

第6章：北美智慧卡市場展望

  • 市場規模及預測
  • 市佔率及預測
  • 北美洲：國別分析
    • 美國
    • 加拿大
    • 墨西哥

第7章：歐洲智慧卡市場展望

  • 市場規模及預測
  • 市佔率及預測
  • 歐洲：國別分析
    • 德國
    • 法國
    • 英國
    • 義大利
    • 西班牙

第8章：亞太地區智慧卡市場展望

  • 市場規模及預測
  • 市佔率及預測
  • 亞太地區：國別分析
    • 中國
    • 印度
    • 日本
    • 韓國
    • 澳洲

第9章：中東與非洲智慧卡市場展望

  • 市場規模及預測
  • 市佔率及預測
  • 中東與非洲：國別分析
    • 沙烏地阿拉伯
    • 阿拉伯聯合大公國
    • 南非

第10章：南美智慧卡市場展望

  • 市場規模及預測
  • 市佔率及預測
  • 南美洲：國別分析
    • 巴西
    • 哥倫比亞
    • 阿根廷

第11章 市場動態

  • 促進因素
  • 任務

第12章 市場趨勢與發展

  • 併購
  • 產品發布
  • 近期趨勢

第13章：全球智慧卡市場：SWOT分析

第14章：波特五力分析

  • 產業競爭
  • 新進入者的潛力
  • 供應商的議價能力
  • 顧客權力
  • 替代品的威脅

第15章 競爭格局

  • Thales Group
  • Giesecke+Devrient GmbH
  • IDEMIA Group
  • NXP Semiconductors
  • Infineon Technologies
  • STMicroelectronics
  • Diebold Nixdorf
  • Visa Inc.
  • Mastercard Inc.
  • American Express

第16章 策略建議

第17章：關於研究公司及免責聲明

簡介目錄
Product Code: 19639

The Global Smart Cards Market is projected to expand significantly, rising from USD 17.04 Billion in 2025 to USD 36.22 Billion by 2031, representing a CAGR of 13.39%. These portable devices feature embedded integrated circuits designed to process data for secure information storage, identification, and authentication. The market's growth is largely fueled by the rising need for strengthened security within the telecommunications and banking industries, alongside a worldwide shift toward cashless payment systems. Furthermore, governments across the globe are mandating the digitization of national identity documents, a move that continues to accelerate the adoption of high-security contact and contactless card technologies.

Market Overview
Forecast Period2027-2031
Market Size 2025USD 17.04 Billion
Market Size 2031USD 36.22 Billion
CAGR 2026-203113.39%
Fastest Growing SegmentBFSI
Largest MarketAsia Pacific

According to the Smart Payment Association, the organization reported in 2025 that its members shipped 2.5 billion payment cards and modules globally throughout 2024. Despite these substantial shipment volumes, the market faces a significant obstacle in the form of rapidly proliferating digital mobile wallets and software-based security alternatives. These virtual solutions diminish the requirement for physical hardware, potentially restricting future growth for traditional smart card manufacturers as consumers increasingly depend on smartphones rather than physical cards for their daily transactions.

Market Driver

The widespread adoption of contactless payment technologies is fundamentally transforming the Global Smart Cards Market, necessitating that financial institutions accelerate the distribution of dual-interface cards. This shift is primarily propelled by consumer expectations for hygiene and transaction speed, leading to a comprehensive overhaul of legacy banking card portfolios to accommodate Near Field Communication (NFC) standards. The dominance of this technology is highlighted by the Smart Payment Association's May 2025 report, which noted that 92% of global payment card shipments in 2024 were contactless-enabled, rendering non-contactless hardware effectively obsolete. This ubiquity is reflected in usage rates; during their 'Q3 2024 Earnings Conference Call' in October 2024, Mastercard confirmed that contactless payments accounted for approximately 70% of all in-person switched purchase transactions, demonstrating a successful shift in consumer behavior.

In parallel, government requirements for electronic identity documents serve as a crucial secondary driver, stimulating the demand for microprocessor-embedded smart cards with high security. Countries globally are transitioning from paper identification to digital credentials to enhance border security, prevent fraud, and streamline access to e-government services. These initiatives demand sophisticated smart cards capable of cryptographic functions and biometric data storage, establishing a high-value vertical for manufacturers outside the financial sector. The economic impact is evident in Thales Group's October 2024 report on 'Order intake and sales as of September 30, 2024', which showed a 15.7% sales increase in their Digital Identity & Security segment, proving that public sector modernization is actively broadening the market for secure smart card technologies.

Market Challenge

The rapid spread of strictly digital mobile wallets and software-based security solutions represents a major obstacle to the growth of the global smart cards market. As businesses and consumers increasingly rely on virtualized credentials housed within smartphones, the operational requirement for tangible plastic cards with embedded integrated circuits declines. This technological evolution decouples secure authentication from dedicated hardware tokens, enabling general-purpose mobile devices to perform essential functions like digital identity verification and contactless payments. Consequently, the dependence on physical form factors is diminishing, which directly hinders volume potential for card manufacturers by encouraging digital-first issuance models that lack a physical counterpart.

The magnitude of this competitive threat is highlighted by the extensive adoption of mobile-centric financial ecosystems that function independently of traditional card infrastructure. In 2025, the GSMA reported that registered mobile money accounts worldwide exceeded 2 billion in 2024, supporting roughly 108 billion transactions. This extensive use of software-based platforms indicates a strong and rising consumer preference for mobile interfaces rather than physical mediums. As these virtual solutions become ubiquitous, they restrict shipment growth in both mature and emerging economies, thereby limiting the addressable market available to traditional smart card technologies.

Market Trends

The incorporation of biometric authentication sensors into card surfaces is developing as a crucial trend aimed at increasing user convenience while combating fraud. Financial institutions are increasingly issuing payment cards equipped with fingerprint scanners, which enable cardholders to authorize transactions by placing their thumb on the sensor, effectively removing the requirement for PINs. This innovation secures contactless payments against unauthorized access without sacrificing transaction speed. Consumer interest in this feature is significant; a January 2025 press release from Idemia regarding 'Idemia launches smartphone enrolment for biometric payment cards' cited a study showing that 79% of global consumers view banks more favorably when they offer biometric cards, encouraging issuers to prioritize this technology in premium offerings.

Concurrently, the market is shifting toward bio-sourced and recycled materials to comply with international environmental objectives. Manufacturers are actively substituting virgin polyvinyl chloride (PVC) with eco-friendly options such as recycled PVC and reclaimed ocean plastics to reduce carbon footprints. This movement has progressed from pilot projects to mass adoption as banks seek to prove their sustainability commitments to environmentally aware clients. The extent of this shift is documented by the Smart Payment Association in their May 2025 report, 'Smart Payment Association Reports Shipment of 2.5 Billion Units of cards and modules in 2024', which noted that global shipments of sustainable payment cards increased by 28% in 2024, now accounting for one-third of all cards delivered globally.

Key Market Players

  • Thales Group
  • Giesecke+Devrient GmbH
  • IDEMIA Group
  • NXP Semiconductors
  • Infineon Technologies
  • STMicroelectronics
  • Diebold Nixdorf
  • Visa Inc.
  • Mastercard Inc.
  • American Express

Report Scope

In this report, the Global Smart Cards Market has been segmented into the following categories, in addition to the industry trends which have also been detailed below:

Smart Cards Market, By Type

  • Contact-based
  • Contact-Less

Smart Cards Market, By End-User Industries

  • BFSI
  • IT & Telecommunication
  • Government
  • Transportation
  • Other End-User Industries

Smart Cards Market, By Region

  • North America
    • United States
    • Canada
    • Mexico
  • Europe
    • France
    • United Kingdom
    • Italy
    • Germany
    • Spain
  • Asia Pacific
    • China
    • India
    • Japan
    • Australia
    • South Korea
  • South America
    • Brazil
    • Argentina
    • Colombia
  • Middle East & Africa
    • South Africa
    • Saudi Arabia
    • UAE

Competitive Landscape

Company Profiles: Detailed analysis of the major companies present in the Global Smart Cards Market.

Available Customizations:

Global Smart Cards Market report with the given market data, TechSci Research offers customizations according to a company's specific needs. The following customization options are available for the report:

Company Information

  • Detailed analysis and profiling of additional market players (up to five).

Table of Contents

1. Product Overview

  • 1.1. Market Definition
  • 1.2. Scope of the Market
    • 1.2.1. Markets Covered
    • 1.2.2. Years Considered for Study
    • 1.2.3. Key Market Segmentations

2. Research Methodology

  • 2.1. Objective of the Study
  • 2.2. Baseline Methodology
  • 2.3. Key Industry Partners
  • 2.4. Major Association and Secondary Sources
  • 2.5. Forecasting Methodology
  • 2.6. Data Triangulation & Validation
  • 2.7. Assumptions and Limitations

3. Executive Summary

  • 3.1. Overview of the Market
  • 3.2. Overview of Key Market Segmentations
  • 3.3. Overview of Key Market Players
  • 3.4. Overview of Key Regions/Countries
  • 3.5. Overview of Market Drivers, Challenges, Trends

4. Voice of Customer

5. Global Smart Cards Market Outlook

  • 5.1. Market Size & Forecast
    • 5.1.1. By Value
  • 5.2. Market Share & Forecast
    • 5.2.1. By Type (Contact-based, Contact-Less)
    • 5.2.2. By End-User Industries (BFSI, IT & Telecommunication, Government, Transportation, Other End-User Industries)
    • 5.2.3. By Region
    • 5.2.4. By Company (2025)
  • 5.3. Market Map

6. North America Smart Cards Market Outlook

  • 6.1. Market Size & Forecast
    • 6.1.1. By Value
  • 6.2. Market Share & Forecast
    • 6.2.1. By Type
    • 6.2.2. By End-User Industries
    • 6.2.3. By Country
  • 6.3. North America: Country Analysis
    • 6.3.1. United States Smart Cards Market Outlook
      • 6.3.1.1. Market Size & Forecast
        • 6.3.1.1.1. By Value
      • 6.3.1.2. Market Share & Forecast
        • 6.3.1.2.1. By Type
        • 6.3.1.2.2. By End-User Industries
    • 6.3.2. Canada Smart Cards Market Outlook
      • 6.3.2.1. Market Size & Forecast
        • 6.3.2.1.1. By Value
      • 6.3.2.2. Market Share & Forecast
        • 6.3.2.2.1. By Type
        • 6.3.2.2.2. By End-User Industries
    • 6.3.3. Mexico Smart Cards Market Outlook
      • 6.3.3.1. Market Size & Forecast
        • 6.3.3.1.1. By Value
      • 6.3.3.2. Market Share & Forecast
        • 6.3.3.2.1. By Type
        • 6.3.3.2.2. By End-User Industries

7. Europe Smart Cards Market Outlook

  • 7.1. Market Size & Forecast
    • 7.1.1. By Value
  • 7.2. Market Share & Forecast
    • 7.2.1. By Type
    • 7.2.2. By End-User Industries
    • 7.2.3. By Country
  • 7.3. Europe: Country Analysis
    • 7.3.1. Germany Smart Cards Market Outlook
      • 7.3.1.1. Market Size & Forecast
        • 7.3.1.1.1. By Value
      • 7.3.1.2. Market Share & Forecast
        • 7.3.1.2.1. By Type
        • 7.3.1.2.2. By End-User Industries
    • 7.3.2. France Smart Cards Market Outlook
      • 7.3.2.1. Market Size & Forecast
        • 7.3.2.1.1. By Value
      • 7.3.2.2. Market Share & Forecast
        • 7.3.2.2.1. By Type
        • 7.3.2.2.2. By End-User Industries
    • 7.3.3. United Kingdom Smart Cards Market Outlook
      • 7.3.3.1. Market Size & Forecast
        • 7.3.3.1.1. By Value
      • 7.3.3.2. Market Share & Forecast
        • 7.3.3.2.1. By Type
        • 7.3.3.2.2. By End-User Industries
    • 7.3.4. Italy Smart Cards Market Outlook
      • 7.3.4.1. Market Size & Forecast
        • 7.3.4.1.1. By Value
      • 7.3.4.2. Market Share & Forecast
        • 7.3.4.2.1. By Type
        • 7.3.4.2.2. By End-User Industries
    • 7.3.5. Spain Smart Cards Market Outlook
      • 7.3.5.1. Market Size & Forecast
        • 7.3.5.1.1. By Value
      • 7.3.5.2. Market Share & Forecast
        • 7.3.5.2.1. By Type
        • 7.3.5.2.2. By End-User Industries

8. Asia Pacific Smart Cards Market Outlook

  • 8.1. Market Size & Forecast
    • 8.1.1. By Value
  • 8.2. Market Share & Forecast
    • 8.2.1. By Type
    • 8.2.2. By End-User Industries
    • 8.2.3. By Country
  • 8.3. Asia Pacific: Country Analysis
    • 8.3.1. China Smart Cards Market Outlook
      • 8.3.1.1. Market Size & Forecast
        • 8.3.1.1.1. By Value
      • 8.3.1.2. Market Share & Forecast
        • 8.3.1.2.1. By Type
        • 8.3.1.2.2. By End-User Industries
    • 8.3.2. India Smart Cards Market Outlook
      • 8.3.2.1. Market Size & Forecast
        • 8.3.2.1.1. By Value
      • 8.3.2.2. Market Share & Forecast
        • 8.3.2.2.1. By Type
        • 8.3.2.2.2. By End-User Industries
    • 8.3.3. Japan Smart Cards Market Outlook
      • 8.3.3.1. Market Size & Forecast
        • 8.3.3.1.1. By Value
      • 8.3.3.2. Market Share & Forecast
        • 8.3.3.2.1. By Type
        • 8.3.3.2.2. By End-User Industries
    • 8.3.4. South Korea Smart Cards Market Outlook
      • 8.3.4.1. Market Size & Forecast
        • 8.3.4.1.1. By Value
      • 8.3.4.2. Market Share & Forecast
        • 8.3.4.2.1. By Type
        • 8.3.4.2.2. By End-User Industries
    • 8.3.5. Australia Smart Cards Market Outlook
      • 8.3.5.1. Market Size & Forecast
        • 8.3.5.1.1. By Value
      • 8.3.5.2. Market Share & Forecast
        • 8.3.5.2.1. By Type
        • 8.3.5.2.2. By End-User Industries

9. Middle East & Africa Smart Cards Market Outlook

  • 9.1. Market Size & Forecast
    • 9.1.1. By Value
  • 9.2. Market Share & Forecast
    • 9.2.1. By Type
    • 9.2.2. By End-User Industries
    • 9.2.3. By Country
  • 9.3. Middle East & Africa: Country Analysis
    • 9.3.1. Saudi Arabia Smart Cards Market Outlook
      • 9.3.1.1. Market Size & Forecast
        • 9.3.1.1.1. By Value
      • 9.3.1.2. Market Share & Forecast
        • 9.3.1.2.1. By Type
        • 9.3.1.2.2. By End-User Industries
    • 9.3.2. UAE Smart Cards Market Outlook
      • 9.3.2.1. Market Size & Forecast
        • 9.3.2.1.1. By Value
      • 9.3.2.2. Market Share & Forecast
        • 9.3.2.2.1. By Type
        • 9.3.2.2.2. By End-User Industries
    • 9.3.3. South Africa Smart Cards Market Outlook
      • 9.3.3.1. Market Size & Forecast
        • 9.3.3.1.1. By Value
      • 9.3.3.2. Market Share & Forecast
        • 9.3.3.2.1. By Type
        • 9.3.3.2.2. By End-User Industries

10. South America Smart Cards Market Outlook

  • 10.1. Market Size & Forecast
    • 10.1.1. By Value
  • 10.2. Market Share & Forecast
    • 10.2.1. By Type
    • 10.2.2. By End-User Industries
    • 10.2.3. By Country
  • 10.3. South America: Country Analysis
    • 10.3.1. Brazil Smart Cards Market Outlook
      • 10.3.1.1. Market Size & Forecast
        • 10.3.1.1.1. By Value
      • 10.3.1.2. Market Share & Forecast
        • 10.3.1.2.1. By Type
        • 10.3.1.2.2. By End-User Industries
    • 10.3.2. Colombia Smart Cards Market Outlook
      • 10.3.2.1. Market Size & Forecast
        • 10.3.2.1.1. By Value
      • 10.3.2.2. Market Share & Forecast
        • 10.3.2.2.1. By Type
        • 10.3.2.2.2. By End-User Industries
    • 10.3.3. Argentina Smart Cards Market Outlook
      • 10.3.3.1. Market Size & Forecast
        • 10.3.3.1.1. By Value
      • 10.3.3.2. Market Share & Forecast
        • 10.3.3.2.1. By Type
        • 10.3.3.2.2. By End-User Industries

11. Market Dynamics

  • 11.1. Drivers
  • 11.2. Challenges

12. Market Trends & Developments

  • 12.1. Merger & Acquisition (If Any)
  • 12.2. Product Launches (If Any)
  • 12.3. Recent Developments

13. Global Smart Cards Market: SWOT Analysis

14. Porter's Five Forces Analysis

  • 14.1. Competition in the Industry
  • 14.2. Potential of New Entrants
  • 14.3. Power of Suppliers
  • 14.4. Power of Customers
  • 14.5. Threat of Substitute Products

15. Competitive Landscape

  • 15.1. Thales Group
    • 15.1.1. Business Overview
    • 15.1.2. Products & Services
    • 15.1.3. Recent Developments
    • 15.1.4. Key Personnel
    • 15.1.5. SWOT Analysis
  • 15.2. Giesecke+Devrient GmbH
  • 15.3. IDEMIA Group
  • 15.4. NXP Semiconductors
  • 15.5. Infineon Technologies
  • 15.6. STMicroelectronics
  • 15.7. Diebold Nixdorf
  • 15.8. Visa Inc.
  • 15.9. Mastercard Inc.
  • 15.10. American Express

16. Strategic Recommendations

17. About Us & Disclaimer