全球代幣化市場（按最終用戶、組織規模、應用程式、區域範圍和預測）

代幣化市場規模及預測

預計 2024 年代幣化市場規模將達到 30.5 億美元，2031 年將達到 155.7 億美元，2024 年至 2031 年的複合年成長率為 22.57%。

標記化是一種資料安全過程，它用唯一識別碼或令牌替換敏感訊息，從而確保關鍵資料的安全，而不會將其暴露給未授權存取。

這可確保信用卡號、個人識別資訊和財務資訊等敏感資料受到保護，且如果被惡意行為者截獲則無法使用。

標記化的主要用途之一是在金融領域，確保線上交易、支付和無攜帶式交易的安全性並降低詐欺風險。

標記化還可用於資料隱私管理，允許企業安全地儲存敏感資訊，同時保持符合 GDPR 和 PCI DSS 等資料保護條例。

在電子商務和零售業，標記化對於保護客戶資訊、防止資料外洩和增加消費者信任至關重要。

標記化可確保在雲端環境中儲存或處理的敏感資訊免受潛在洩漏和未授權存取，從而有助於實現雲端安全。

部署有效的標記化解決方案需要仔細規劃，以最大限度地減少營運中斷，同時保持強力的安全措施以遵守嚴格的監管要求。

全球代幣化市場動態

影響全球代幣化市場的主要市場動態是：

關鍵市場促進因素

資料安全問題日益嚴重：資料外洩和網路攻擊的頻率不斷增加，增加了對更強大的資料保護解決方案的需求，從而推動了對標記化的需求。

嚴格的法規合規性：GDPR、PCI DSS 和 HIPAA 等全球法規要求企業保護敏感數據，加速採用標記化以滿足合規性標準。

數位支付的成長：電子商務和數位支付系統的擴張增加了對安全交易流程的需求。標記化提供了保護支付資料的解決方案。

擴大使用雲端服務：隨著向雲端環境的轉變不斷進行，標記化對於確保雲端基礎的應用程式和儲存的資料安全至關重要。

預防詐欺：標記化透過防止敏感資料外洩來防止支付詐騙和身分盜竊，從而推動零售、金融和醫療保健等領域的採用。

行動支付的興起：行動付款管道和應用程式的激增推動了對標記化的需求，以實現安全的行動交易。

主要挑戰

整合複雜性：將標記化系統部署到現有基礎架構中可能很複雜，特別是對於擁有多樣化技術的大型組織而言，這會導致更長的部署時間和更高的成本。

效能影響：由於產生、儲存和搜尋令牌所需的額外步驟，令牌化可能會降低系統效能。

實施成本：實施標記化的初始成本（包括軟體、硬體和持續維護）可能很高，這對預算有限的中小型企業構成了挑戰。

數據恢復和存取：由於標記化用令牌替換了敏感數據，因此在緊急情況下很難安全及時地恢復或存取原始數據，需要強大的管理系統。

遵守全球標準：確保標記化解決方案符合國際資料安全法規可能很困難，因為標準因地區和產業而異。

缺乏意識和專業知識：對標記化益處的認知不足以及缺乏熟悉標記化技術的專家正在阻礙市場成長。

主要趨勢

雲端基礎的標記化採用率不斷上升：隨著企業轉向雲端基礎設施，雲端基礎的標記化解決方案變得越來越流行，因為它們具有擴充性、靈活性以及與現有系統的輕鬆整合。

關注資料隱私和合規性：隨著對資料外洩的擔憂日益加劇以及 GDPR 和 CCPA 等全球法規的收緊，越來越多的企業採用標記化來增強資料安全性並確保合規性。

電子商務和數位支付的興起：隨著數位交易，尤其是電子商務和行動支付在全球範圍內的擴張，標記化被廣泛用於保護敏感的支付資訊並降低詐欺風險。

與區塊鏈技術的整合：區塊鏈領域正在探索代幣化，以將房地產、股票、數位商品等資產代幣化，並以安全透明的方式管理所有權和交易。

標記化即服務 (TaaS) 的成長：許多企業選擇提供標記化解決方案即服務的 TaaS 服務，讓企業無需建置基礎設施即可實施安全措施。

專注於即時標記化：隨著對更快、即時交易的需求不斷成長，提供標記化的解決方案越來越受歡迎，尤其是在金融領域。

目錄

第1章 引言

• 市場定義
• 市場區隔
• 調查方法

第2章執行摘要

• 主要發現
• 市場概況
• 市場亮點

第3章 市場概況

• 市場規模和成長潛力
• 市場趨勢
• 市場促進因素
• 市場限制
• 市場機遇
• 波特五力分析

4. 全球代幣化市場（以最終用戶分類）

• 銀行、金融服務和保險（BFSI）
• 零售與電子商務
• 醫療保健和生命科學

5. 全球代幣化市場（依組織規模）

• 中小企業
• 主要企業

6. 全球代幣化市場（按應用）

• 支付標記化
• 合規性標記化
• 安全資料儲存的標記化

第7章區域分析

• 北美洲
• 美國
• 加拿大
• 墨西哥
• 歐洲
• 英國
• 德國
• 法國
• 義大利
• 亞太地區
• 中國
• 日本
• 印度
• 澳洲
• 拉丁美洲
• 巴西
• 阿根廷
• 智利
• 中東和非洲
• 南非
• 沙烏地阿拉伯
• 阿拉伯聯合大公國

第8章市場動態

• 市場促進因素
• 市場限制
• 市場機遇
• COVID-19 市場影響

第9章 競爭態勢

• 主要企業
• 市佔率分析

第10章：公司簡介

• Thales e-Security, Inc.
• Gemalto NV
• Symantec Corporation
• Fiserv, Inc.
• 3Delta Systems, Inc.
• Hewlett Packard Enterprise Development LP
• CipherCloud
• TokenEx, LLC
• Futurex
• First Data Corporation

第11章 市場展望與機遇

• 新興技術
• 未來市場趨勢
• 投資機會

第12章 附錄

• 簡稱列表
• 來源和參考文獻

Tokenization Market Size And Forecast

The Tokenization Market size was valued at USD 3.05 Billion in 2024 and is projected to reach USD 15.57 Billion by 2031, growing at a CAGR of 22.57% from 2024 to 2031.

Tokenization is a data security process that involves replacing sensitive information with unique identification symbols or tokens, retaining essential data without exposing it to unauthorized access.

It ensures that sensitive data such as credit card numbers, personal identification information, or financial details are protected, making it unusable if intercepted by malicious actors.

One of the primary applications of tokenization is in the financial sector, where it helps secure online transactions, payments, and card-not-present transactions, reducing the risk of fraud.

Tokenization is also used in data privacy management, allowing businesses to store sensitive information securely while maintaining compliance with data protection regulations like GDPR and PCI DSS.

In the e-commerce and retail industries, tokenization is crucial in protecting customer information, preventing data breaches, and improving consumer trust.

Tokenization aids in cloud security by ensuring that sensitive information stored or processed in cloud environments is protected from potential breaches or unauthorized access.

Implementing efficient tokenization solutions requires careful planning to ensure minimal disruption to operations while maintaining robust security measures to comply with stringent regulatory requirements.

Global Tokenization Market Dynamics

The key market dynamics that are shaping the global tokenization Market include:

Key Market Drivers

Rising Data Security Concerns: The increasing frequency of data breaches and cyber-attacks has heightened the need for enhanced data protection solutions, driving the demand for tokenization.

Stringent Regulatory Compliance: Global regulations like GDPR, PCI DSS, and HIPAA require organizations to safeguard sensitive data, fueling the adoption of tokenization to meet compliance standards.

Growth in Digital Payments: The expansion of e-commerce and digital payment systems increases the need for secure transaction processes, with tokenization offering a solution to protect payment data.

Increased Use of Cloud Services: As more businesses migrate to cloud environments, tokenization becomes essential for ensuring data security in cloud-based applications and storage.

Fraud Prevention: Tokenization helps prevent payment fraud and identity theft by ensuring that sensitive data is never exposed, boosting its adoption across sectors like retail, finance, and healthcare.

Adoption of Mobile Payments: The growing popularity of mobile payment platforms and apps is accelerating the demand for tokenization to ensure secure mobile transactions.

Key Challenges

Integration Complexity: Implementing tokenization systems with existing infrastructure can be complex, particularly for large organizations with diverse technologies, leading to longer deployment times and higher costs.

Performance Impact: Tokenization can sometimes slow down system performance due to the additional steps required for token generation, storage, and retrieval, which may affect real-time applications.

Cost of Implementation: The initial cost of adopting tokenization, including software, hardware, and ongoing maintenance, can be high, posing a challenge for smaller businesses with limited budgets.

Data Recovery and Access: Since tokenization replaces sensitive data with tokens, recovering or accessing the original data in a secure and timely manner during emergencies can be a challenge, requiring robust management systems.

Compliance with Global Standards: Ensuring that tokenization solutions comply with various international data security regulations can be difficult, as standards vary by region and industry, adding complexity to the implementation.

Limited Awareness and Expertise: Lack of awareness about the benefits of tokenization and a shortage of skilled professionals with expertise in tokenization technology hinder market growth.

Key Trends

Increased Adoption of Cloud-based Tokenization: Cloud-based tokenization solutions are becoming more popular as organizations shift to cloud infrastructures, offering scalability, flexibility, and easier integration with existing systems.

Focus on Data Privacy and Compliance: With growing concerns about data breaches and stricter global regulations such as GDPR and CCPA, companies are increasingly adopting tokenization to enhance data security and ensure compliance with these laws.

Expansion in E-commerce and Digital Payments: As digital transactions rise globally, particularly in e-commerce and mobile payments, tokenization is being widely used to secure sensitive payment information, reducing the risk of fraud.

Integration with Blockchain Technology: Tokenization is being explored in the blockchain domain to tokenize assets like real estate, stocks, and digital goods, providing a secure and transparent way to manage ownership and transactions.

Growth in Tokenization-as-a-Service (TaaS): Many organizations are opting for TaaS offerings, which provide tokenization solutions as a service, allowing businesses to implement security measures without building their infrastructure.

Focus on Real-time Tokenization: As demand for faster and real-time transactions increases, solutions offering real-time tokenization are gaining traction, particularly in the financial sector.

Global Tokenization Market Regional Analysis

Here is a more detailed regional analysis of the global tokenization Market:

North America:

North America is significantly dominating the Global Tokenization Market and is expected to maintain its lead throughout the forecast period.

Countries like the United States and Canada have seen significant growth in the adoption of tokenization solutions, particularly within industries such as banking, financial services, and retail.

A major driver for the tokenization market in North America is the increasing emphasis on data security and privacy, especially in the face of growing data breaches and cyberattacks.

Regulatory mandates, such as the Payment Card Industry Data Security Standard (PCI-DSS) and other privacy regulations, compel businesses to adopt secure data storage and transaction solutions.

Tokenization helps businesses comply with these regulations by replacing sensitive data with tokens that cannot be decrypted outside of secure systems, thus enhancing security and reducing the risk of fraud.

The growth of eCommerce, mobile payments, and cloud-based services in North America has further accelerated the need for tokenization technologies.

Financial institutions and businesses in the region are leveraging tokenization to protect cardholder information during digital transactions, improving customer trust and overall transaction security.

The rise of contactless payments, digital wallets, and the expansion of eCommerce platforms are creating new opportunities for tokenization adoption.

Asia Pacific:

The Asia-Pacific region is expected to witness substantial growth in the Global Tokenization Market during the forecast period, driven by increasing digitization, rapid adoption of digital payment systems, and growing concerns over data security and fraud prevention.

Countries like China, India, Japan, and South Korea are at the forefront of technological advancements, and their increasing focus on securing online transactions has spurred demand for tokenization solutions.

In particular, the banking and financial services sector in the Asia-Pacific is a major adopter of tokenization technology, utilizing it to secure payment transactions and comply with stringent regulatory requirements around data privacy.

The rise of mobile wallets, digital banking, and eCommerce platforms has further accelerated the need for secure and efficient tokenization methods to protect sensitive payment data from breaches and fraud.

Governments across the region are enforcing stricter regulations on data privacy and protection, such as India's Personal Data Protection Bill and other region-specific policies.

These initiatives are pushing organizations to adopt tokenization for compliance management and secure data storage.

The expanding digital economy in developing markets, along with the increasing adoption of cloud computing and blockchain technologies, is creating new opportunities for tokenization solutions across various sectors, including retail, healthcare, and insurance.

As the region continues to embrace digital transformation, the need for advanced data security solutions like tokenization is expected to grow, positioning Asia-Pacific as a key contributor to the global tokenization market expansion.

Global Tokenization Market: Segmentation Analysis

The Global Tokenization Market is segmented based on End User, Organization Size, Application, And Geography.

Tokenization Market, By End User

Banking

Financial Services and Insurance (BFSI)

Retail and eCommerce

Healthcare and Life Sciences

Based on the End User, the Global Tokenization Market is segmented into Banking, Financial Services and Insurance (BFSI), Retail and e-commerce, and Healthcare and Life Sciences. The BFSI segment is leading the Global Tokenization Market, as financial institutions face a growing demand for secure transaction processing and compliance with stringent data protection regulations. The rise of digital payments and mobile banking has further amplified the need for tokenization to safeguard sensitive customer information, making it a critical tool in reducing fraud and preventing data breaches in this sector.

Tokenization Market, By Organization Size

Small and medium-sized businesses (SMEs)

Large Enterprises

Based on Organization Size, the Global Tokenization Market is segmented into Small and Medium-Sized Businesses (SMEs) and Large Enterprises. Large enterprises dominate the Global Tokenization Market owing to their vast transaction volumes and the heightened need for securing sensitive data, especially in sectors such as finance, healthcare, and retail. These organizations are more likely to adopt comprehensive tokenization solutions to meet stringent regulatory requirements and minimize the risk of data breaches.

Tokenization Market, By Application

Payment Tokenization

Tokenization for Compliance

Tokenization for Secure Data Storage

Based on Application, the Global Tokenization Market is segmented into Payment Tokenization, Tokenization for Compliance, and Tokenization for Secure Data Storage. Payment Tokenization is the leading segment of the global Tokenization Market driven by the surge in digital payments and the growing demand for secure payment transactions. It involves replacing sensitive card details with a unique token during online transactions, significantly reducing the risk of fraud and ensuring safe payment processing. The rise of eCommerce and mobile payment platforms has amplified the need for robust tokenization solutions, making this segment a critical area of growth.

Tokenization Market, By Geography

North America

Europe

Asia Pacific

Rest of the world

Based on Geography, the Global Tokenization Market is segmented into North America, Europe, Asia Pacific, and the Rest of the World. North America dominates the tokenization Global Tokenization Market owing to the region's advanced technological infrastructure, strong regulatory environment, and widespread adoption of digital payment systems. The presence of leading market players, coupled with the high demand for data security solutions, contributes to the growth in this region. Strict regulations like the Payment Card Industry Data Security Standard (PCI-DSS) and increasing concerns over data breaches drive the adoption of tokenization in industries such as banking, healthcare, and retail.

Key Players

The "Global Tokenization Market" study report provides valuable insight with an emphasis on the global market. The major players in the market are Visa, Inc., MasterCard, Inc., Fiserv, Inc., Micro Focus International plc, American Express Company, and Thales Group.

Our market analysis also entails a section solely dedicated to such major players wherein our analysts provide an insight into the financial statements of all the major players, along with product benchmarking and SWOT analysis. The competitive landscape section also includes key development strategies, market share, and market ranking analysis of the above-mentioned players globally.

Tokenization Market Key Developments

• In January 2024, the BIS Innovation Hub initiated a tokenization effort to promote CBDC research on payment privacy. The BIS Innovation Hub had planned to start a blockchain-based tokenization initiative and build a privacy testing program for central banks.
• In December 2023, Akemona, Inc., an asset tokenization platform and funding gateway, announced partnerships with additional issuers to provide worldwide equity tokens on its platform. Akemona, Inc., a U.S. Securities and Exchange Commission (SEC)-registered company, had provided asset tokenization services to enterprises and financial institutions worldwide.

TABLE OF CONTENTS

1. Introduction

• Market Definition
• Market Segmentation
• Research Methodology

2. Executive Summary

• Key Findings
• Market Overview
• Market Highlights

3. Market Overview

• Market Size and Growth Potential
• Market Trends
• Market Drivers
• Market Restraints
• Market Opportunities
• Porter's Five Forces Analysis

4. Global Tokenization Market, By End-user

• Banking, Financial Services, and Insurance (BFSI)
• Retail and eCommerce
• Healthcare and Life Sciences

5. Global Tokenization Market, By Organization Size

• Small and medium-sized businesses (SMEs)
• Large Enterprises

6. Global Tokenization Market, By Application

• Payment Tokenization
• Tokenization for Compliance
• Tokenization for Secure Data Storage

7. Regional Analysis

• North America
• United States
• Canada
• Mexico
• Europe
• United Kingdom
• Germany
• France
• Italy
• Asia-Pacific
• China
• Japan
• India
• Australia
• Latin America
• Brazil
• Argentina
• Chile
• Middle East and Africa
• South Africa
• Saudi Arabia
• UAE

8. Market Dynamics

• Market Drivers
• Market Restraints
• Market Opportunities
• Impact of COVID-19 on the Market

9. Competitive Landscape

• Key Players
• Market Share Analysis

10. Company Profiles

• Thales e-Security, Inc.
• Gemalto NV
• Symantec Corporation
• Fiserv, Inc.
• 3Delta Systems, Inc.
• Hewlett Packard Enterprise Development LP
• CipherCloud
• TokenEx, LLC
• Futurex
• First Data Corporation

11. Market Outlook and Opportunities

• Emerging Technologies
• Future Market Trends
• Investment Opportunities

12. Appendix

• List of Abbreviations
• Sources and References