全球數位身分與信任基礎設施市場：2026 年

到 2026 年，全球數位身分生態系統將透過無密碼認證、數位信任和身分基礎設施現代化而取得進展。

主要亮點

到 2026 年，全球 90% 的受訪消費者表示了解 Passkey。

到 2026 年，全球 75% 的受訪消費者將至少為部分數位帳戶啟用密碼，40% 的受訪消費者將為大多數應用程式和帳戶使用密碼。

即使到了 2026 年，全球超過 50% 的受訪組織仍將主要使用密碼作為員工登入的方式，這表明企業向無密碼身份驗證的過渡仍在進行中。

無密碼認證和整合身分平台的擴充仍在繼續。

各組織正透過通行金鑰、生物識別和整合式身分平台不斷推進身分基礎設施的現代化，以支援安全認證和可靠的數位互動。企業正加大對員工、顧客和機器身分的身份編配、管治和憑證管理的投入。

數位身分基礎設施為商業和公共服務提供支持

數位身分正日益融入生活的方方面面，從客戶註冊和支付認證到數位錢包和政府服務，無所不包。可互通的憑證和數位公共基礎設施持續支援整個數位生態系統中的安全存取、憑證便攜性和可靠交易。

身分管治和詐欺防範將塑造未來的發展。

合成身份、人工智慧生成的深度造假以及憑證濫用等問題持續推動著身份檢驗、自適應認證和數位信任框架方面的投資。政府和企業也在製定可互通的身份標準，以加強長期的數位信任。

本報告檢視了全球數位身分和信任基礎設施市場，總結了企業對數位身分解決方案和基礎設施的採用情況、數位身分基礎設施投資的促進因素、身分驗證技術的採用和使用趨勢、區域發展以及未來展望。

目錄

第1章要點

第2章 管理概要

第3章概述：身分即數位基礎設施

• 支持數位身分現代化的結構性因素
• 數位生態系統中的身份、認證和信任
• 在整個身分認同生態系中的競爭定位

第4章：數位身分市場概觀及應用現狀

• 企業對各類數位身分解決方案的需求
• 企業在業界全面採用數位身分基礎設施
• 數位身分基礎設施投資的產業特定促進因素
• 混合數位環境下的企業身分編配
• 支持企業數位信任的身份管治框架

第5章：數位身分的基礎

• 身份模型和認證框架的演變
• 集中式、聯邦式和去中心化身分架構模型
• 數位身分基礎設施在商業、金融和政府領域的應用實例。
• 支援跨部門數位生態系統的數位信任框架
• 身份可移植性、身份驗證資訊可重複使用性和互通性

第6章 身份驗證技術

• 消費者對Passkey的認知
• 數字帳戶中密碼的使用率
• 已在其部分帳戶上啟用密碼的使用者百分比
• 消費者對帕斯基的偏好與使用頻率
• 工作場所中與Passkey相關的舉措
• 員工表示，他們的工作場所已經實施了與密碼相關的措施。
• 促使人們考慮或實施密碼鎖的主要因素
• 員工主要使用的職場簽到方式
• 多因素身份驗證的發展趨勢、企業採用情況以及監管要求
• 數位服務中生物識別的採用率
• 對整個企業數位生態系統進行持續的身份可靠性評估。
• 在整個數位卡卡片付款生態系統中建立基於風險的身份驗證決策框架。

第7章 數位認證和身分錢包

• 政府數位身分計劃和國家身分平台
• 一個基於平台的身份生態系統，其中包括蘋果、谷歌和微軟。
• 行動駕駛證生態系統與數位身分錢包的整合
• 支援身份驗證、支付和可重複使用憑證的數位身分錢包。
• 支援使用數位支付憑證進行身份驗證配置和生命週期管理。
• 在金融、旅遊、醫療保健和專業服務領域採用數位認證資訊。

第8章 支付和商業交易中的數位身份

• 在客戶註冊和帳戶開立過程中活用狀況數位身份
• 數位支付交易中使用的身份驗證方法
• 支援開放銀行和開放金融生態系統的數位身分基礎設施
• 支援基於平台的金融服務的嵌入式金融基礎設施
• 跨境支付合規流程中的數位身分驗證和認證
• 跨境商業和數字貿易的組織識別基礎設施
• KYB 基礎設施用於商家獲客和整個平台商務生態系統
• 數位商務中的持續商家監控
• 網路令牌化和基於身分的支付安全基礎設施

第9章：數位身分的商業價值與經濟學

• 銀行、支付和金融服務領域的客戶准入成本
• 因忘記密碼可能導致購買或帳號登入中斷
• 利用數位身分基礎設施最佳化合規成本
• 影響跨產業數位身分投資商業價值的因素

第10章：身份驗證、詐騙和檢驗

• 身分詐欺趨勢及檢驗挑戰
• 合成身分詐欺、偵測挑戰和不斷變化的檢驗要求。
• 基於深度造假的身份冒充詐騙、人工智慧生成的內容以及檢驗挑戰。
• 身分驗證技術、保障機制、數位信任框架
• 在整個數位生態系統中進行身份驗證、認證和詐欺預防
• 消費者在帳戶安全和憑證外洩方面的體驗
• 消費者安全事件風險暴露率
• 錯誤或濫用以外的其他違規行為的主要初始訪問途徑。
• 包含企業身分驗證資訊的受管理設備及未受管設備所佔百分比
• 企業裝置上使用的已產生的 AI 服務帳戶憑證的百分比
• 數位信任生態系統中對人類和第三方的依賴程度

第11章 監管、管治和數位公共基礎設施

• 它在數位公共基礎設施和數位身分生態系統中的作用
• 實現互通性層，建構數位化公共基礎設施生態系統
• 建構歐洲數位身分框架和 EUDI 錢包生態系統

第12章：區域生態系的發展

• 英國
• 英國：使用數位身分服務時需要考慮的重要因素
• 英國：數位身分服務最常見的用例
• 英國：按數位包容風險群體分類的數位身分服務使用率
• 歐洲
• 歐洲：歐盟成員國國家數位身分計畫的發展現狀
• 德國：資料外洩的平均成本
• 法國：資料外洩的平均成本
• GCC
• 海灣合作理事會：支持政府服務和數位經濟的數位身分基礎設施
• 美國
• 美國：聯邦和州級數位身分基礎設施的發展
• 美國：資料外洩的平均成本
• 巴西
• 巴西：數位公共基礎設施為數位政府、金融服務和可靠的數位身分提供支援。
• 中國
• 中國：國家數位身分基礎設施與行動認證生態系統
• 印度
• 印度：數位公共基礎設施部署及基於Aadhaar的身份驗證採用率
• 印度：資料外洩的平均成本
• 新加坡
• 新加坡：國家數位身分基礎設施支援公共和私人數位服務

第13章 競爭格局

• 身份驗證服務供應商（Jumio、Onfido、Persona、Veriff、Trulioo 等）
• 身份驗證和身分與存取管理 (IAM) 提供者（Microsoft、Okta、Ping Identity、Entrust 等）
• 涵蓋員工、顧客、機器和特權身分的企業身分平台。
• 去中心化身分認同和自主身分的相關利益者
• 政府、消費者和企業平台中的身份錢包生態系統
• 為發行者、擁有者、檢驗和信任網路提供檢驗的憑證基礎架構。
• 數位信任框架與跨境身分整合

第14章 未來展望

• 向量子容錯數位身分基礎設施的長期過渡
• 人工智慧代理和自主商務系統的身份基礎設施
• 機器 ID 和非人類實體交易認證

Global Digital Identity Ecosystems Advance Through Passwordless Authentication, Digital Trust, and Identity Infrastructure Modernization in 2026

Key Highlights

Globally, 90% of surveyed consumers reported familiarity with passkeys in 2026.

Worldwide, 75% of surveyed consumers had enabled passkeys on at least some digital accounts by 2026, with 40% using them across most apps and accounts.

Globally, over 50% of surveyed organizations continued relying primarily on password-based workforce sign-ins in 2026, indicating that enterprise migration toward passwordless authentication remains ongoing.

Passwordless Authentication and Integrated Identity Platforms Continue Expanding

Organizations continue modernizing identity infrastructure through passkeys, biometrics, and integrated identity platforms that support secure authentication and trusted digital interactions. Enterprises increasingly invest in identity orchestration, governance, and credential management across workforce, customer, and machine identities.

Digital Identity Infrastructure Supports Commerce and Public Services

Digital identity is becoming more deeply embedded across customer onboarding, payment authentication, digital wallets, and government services. Interoperable credentials and digital public infrastructure continue supporting secure access, credential portability, and trusted interactions across digital ecosystems.

Identity Governance and Fraud Prevention Shape Future Development

Synthetic identities, AI-generated deepfakes, and credential abuse continue driving investment in identity verification, adaptive authentication, and digital trust frameworks. Governments and enterprises are also advancing interoperable identity standards to strengthen long-term digital trust.

Table of Contents

1. Key Takeaways

2. Management Summary

3. Executive Overview: Identity as Digital Infrastructure

• Global: Structural Drivers Supporting Digital Identity Modernization, July 2026
• Global: Identity, Authentication, and Trust Across Digital Ecosystems, July 2026
• Global: Competitive Positioning Across Identity Ecosystems, July 2026

4. Digital Identity Market Overview & Adoption

• Global: Enterprise Demand Across Digital Identity Solution Categories, July 2026
• Global: Enterprise Adoption of Digital Identity Infrastructure Across Industry Sectors, July 2026
• Global: Sector-Level Investment Drivers for Digital Identity Infrastructure, July 2026
• Global: Enterprise Identity Orchestration Across Hybrid Digital Environments, July 2026
• Global: Identity Governance Frameworks Supporting Enterprise Digital Trust, July 2026

5. Digital Identity Foundations

• Global: Evolution of Identity Models and Authentication Frameworks, July 2026
• Global: Centralized, Federated, and Decentralized Identity Architecture Models, July 2026
• Global: Applications of Digital Identity Infrastructure Across Commerce, Finance, and Government, July 2026
• Global: Digital Trust Frameworks Supporting Cross-Sector Digital Ecosystems, July 2026
• Global: Identity Portability, Credential Reusability, and Interoperability, July 2026

6. Authentication Technologies

• Global: Awareness of Passkeys Among Consumers, in % of Respondents, April 2026
• Global: Consumer Adoption of Passkeys Across Digital Accounts, in % of Respondents, April 2026
• Global: Consumers Who Enabled Passkeys on at Least Some Accounts, in % of Respondents, April 2026
• Global: Consumer Preference and Usage Frequency of Passkeys, in % of Respondents, April 2026
• Global: Passkey Activity at Employers, in % of Employed Respondents, April 2026
• Global: Employees Reporting Passkey Activity at Their Employer, in % of Employed Respondents, April 2026
• Global: Leading Drivers for Considering or Implementing Passkeys, in % of Organizations With Active Passkey Consideration or Adoption, April 2026
• Global: Primary Workforce Sign-In Method Used by Employees, in % of Organizations, April 2026
• Global: Developments in Multi-Factor Authentication, Enterprise Adoption, and Regulatory Requir., July 2026
• Global: Biometric Authentication Adoption Across Digital Services, July 2026
• Global: Continuous Identity Trust Assessment Across Enterprise Digital Ecosystems, July 2026
• Global: Risk-Based Authentication Decision Frameworks Across Digital Card Payment Ecosystems, July 2026

7. Digital Credentials & Identity Wallets

• Global: Government Digital Identity Programs and National Identity Platforms, July 2026
• Global: Platform-Based Identity Ecosystems Including Apple, Google, and Microsoft, July 2026
• Global: Mobile Driver's License Ecosystem And Digital Identity Wallet Integration, July 2026
• Global: Digital Identity Wallets Supporting Authentication, Payments, And Reusable Credentials, July 2026
• Global: Digital Payment Credentials Supporting Credential Provisioning and Lifecycle Management, July 2026
• Global: Digital Credential Adoption Across Financial, Travel, Healthcare, And Professional Services, July 2026

8. Digital Identity in Payments & Commerce

• Global: Digital Identity Applications Across Customer Onboarding and Account Opening Processes, July 2026
• Global: Authentication Methods Used in Digital Payment Transaction, July 2026
• Global: Digital Identity Infrastructure Supporting Open Banking and Open Finance Ecosystems, July 2026
• Global: Embedded Finance Infrastructure Supporting Platform-Based Financial Services, July 2026
• Global: Digital Identity Verification and Authent. in Cross-Border Payment Compliance Processes, July 2026
• Global: Organizational Identity Infrastructure for Cross-Border Business and Digital Trade, July 2026
• Global: KYB Infrastructure Across Merchant Acquiring and Platform Commerce Ecosystems, July 2026
• Global: Continuous Merchant Monitoring Across Digital Commerce, July 2026
• Global: Network Tokenization and Identity-Based Payment Security Infrastructure, July 2026

9. Business Value & Economics of Digital Identity

• Global: Cost of Customer Onboarding Across Banking, Payments, and Financial Services, July 2026
• Global: Likelihood of Abandoning a Purchase or Account Sign-In Due to a Forgotten Password, in % of Cons., April 2026
• Global: Compliance Cost Optimization Through Digital Identity Infrastructure, July 2026
• Global: Business Value Drivers of Digital Identity Investments Across Industries, July 2026

10. Identity Trust, Fraud & Verification

• Global: Identity Fraud Trends and Verification Challenges, July 2026
• Global: Synthetic Identity Fraud, Detection Challenges, and Evolving Verification Requirements, July 2026
• Global: Deepfake-Enabled Identity Fraud, AI-Generated Content, and Verification Challenges, July 2026
• Global: Identity Verification Technologies, Assurance Mechanisms, and Digital Trust Frameworks, July 2026
• Global: Identity Verification, Authentication, and Fraud Mitigation Across Digital Ecosystems, July 2026
• Global: Consumer Experiences With Account Security and Credential Compromise, in % of Resp., April 2026
• Global: Consumer Exposure to Account Security Incidents, in % of Respondents, April 2026
• Global: Leading Initial Access Vectors in Non-Error and Non-Misuse Breaches, in % of Breaches, 2025
• Global: Managed and Non-Managed Devices Containing Corporate Credentials, in % of Devices Identified in Infostealer Logs, 2025
• Global: GenAI Service Account Credentials Used on Corporate Devices, in % of Accounts, 2025
• Global: Human and Third-Party Dependencies in Digital Trust Ecosystems, in % of Breaches, 2025

11. Regulation, Governance & Digital Public Infrastructure

• Global: Digital Public Infrastructure and Its Role in Digital Identity Ecosystems, July 2026
• Global: Interoperability Layers Enabling Digital Public Infrastructure Ecosystems, July 2026
• Europe: Development of the European Digital Identity Framework and EUDI Wallet Ecosystem, July 2026

12. Regional Ecosystem Development

• 12.1. UK
• UK: Factors Considered Important When Using Digital Identity Services, in % of Respondents, January 2025
• UK: Most Common Use Cases for Using a Digital Identity Service, in % of Respondents, January 2025
• UK: Digital Identity Service Usage by Digital Inclusion Risk Group, in % of Respondents, January 2025
• 12.2. Europe
• Europe: National Digital Identity Program Development Across EU Member States, July 2026
• Germany: Average Cost of Data Breaches, in USD millions, 2024-2025
• France: Average Cost of Data Breaches, in USD millions, 2024-2025
• 12.3. GCC
• GCC: Digital Identity Infrastructure Supporting Government Services And Digital Economies, July 2026
• 12.4. United States
• United States: Federal and State-Level Digital Identity Infrastructure Development, July 2026
• United States: Average Cost of Data Breaches, in USD millions, 2024-2025
• 12.5. Brazil
• Brazil: Digital Public Infr. Supporting Digital Govern., Financial Services, And Trusted Digital Identity, July 2026
• 12.6. China
• China: National Digital Identity Infrastructure and Mobile-Based Authentication Ecosystem, July 2026
• 12.7. India
• India: Digital Public Infrastructure Adoption and Aadhaar-Based Identity Verification Coverage, July 2026
• India: Average Cost of Data Breaches, in USD millions, 2024-2025
• 12.8. Singapore
• Singapore: National Digital Identity Infrastructure Supporting Public and Private Digital Services, July 2026

13. Competitive Landscape

• Global: Identity Verification Providers Including Jumio, Onfido, Persona, Veriff, and Trulioo, July 2026
• Global: Authentication and IAM Providers Including Microsoft, Okta, Ping Identity, and Entrust, July 2026
• Global: Enterprise Identity Platf. Across Workforce, Customer, Machine, And Privileged Identities, July 2026
• Global: Decentralized Identity and Self-Sovereign Identity Stakeholders, July 2026
• Global: Identity Wallet Ecosystem Across Government, Consumer, and Enterprise Platforms, July 2026
• Global: Verifiable Credential Infrastructure For Issuers, Holders, Verifiers, And Trust Networks, July 2026
• Global: Digital Trust Frameworks And Cross-Border Identity Collaboration, July 2026

14. Future Outlook

• Global: Long-Term Transition Toward Quantum-Resistant Digital Identity Infrastructure, July 2026
• Global: Identity Infrastructure for AI Agents and Autonomous Commerce Systems, July 2026
• Global: Machine Identities and Non-Human Transaction Authentication, July 2026