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市場調查報告書

金融服務行動生物辨識:市場 & 技術分析,引進策略,及預測 2015-2020年

Mobile Biometrics for Financial Services: Market & Technology Analysis, Adoption Strategies and Forecasts 2015 - 2020

出版商 Goode Intelligence 商品編碼 351057
出版日期 內容資訊 英文 195 Pages
商品交期: 最快1-2個工作天內
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金融服務行動生物辨識:市場 & 技術分析,引進策略,及預測 2015-2020年 Mobile Biometrics for Financial Services: Market & Technology Analysis, Adoption Strategies and Forecasts 2015 - 2020
出版日期: 2015年12月04日 內容資訊: 英文 195 Pages
簡介

2015年中全球有1億2,000萬名以上客戶已慣常使用行動生物辨識,這個趨勢有持續、加速的傾向。行動生物辨識付款交易數預測2020年前將超過160億件。

本報告提供金融服務行動生物辨識市場現況與展望調查分析,彙整產業形成的主要趨勢,主要的生物辨識技術,及主要供應商等相關資料。

第1章 市場·技術分析

  • 簡介
  • 生物辨識技術的簡介
  • 生物辨識定義
  • 生物辨識的結構
  • 生物學認證
  • 金融服務方面手機上的生物辨識利用法
  • 金融服務·付款用生物辨識的法規·技術規格
    • 簡介
    • 法規
    • 州·聯邦法規
    • 產業內的法規/指南
    • 技術規格
  • 技術及市場引進
    • 市場的引進與分析
    • 生物辨識技術分析·供應商

第2章 預測

  • 預測手法與前提條件
  • 金融服務行動生物辨識的預測
    • 簡介
    • 金融服務行動生物辨識的用戶預測
      • 技術方式別
        • 指紋認證
        • 語音辨識
        • 眼 (虹膜·視網膜) 靜脈
        • 行動認證
        • 臉認證
        • 複合認證
    • 金融服務行動生物辨識的收益預測
      • 收益預測的前提條件
      • 指紋認證
      • 語音辨識
      • 眼 (虹膜·視網膜) 靜脈
      • 行動認證
      • 臉認證
      • 複合認證
    • 付款用行動生物辨識的交易 & 交易額預測
      • 前提條件
      • 交易總數
      • 交易總額

附錄

目錄

Mobile Biometrics for Financial Services; Market & Technology Analysis, Adoption Strategies & Forecasts 2015-2020 is a 195 page analyst report that provides detailed analysis of the adoption of mobile biometrics for financial services.

This comprehensive report includes a review of current global adoption, market analysis including key drivers and barriers for adoption, interviews with leading stakeholders, technology analysis with review of key biometric technologies and profiles of companies supplying biometric systems for this industry plus forecasts (regional and global) for users and revenue within the six-year period 2015 to 2020.

The report predicts that by 2020 over 16 billion mobile biometric payment transactions will be made.

According to Goode Intelligence, today, millions of customers (120 million plus during 2015) are using mobile biometrics on a daily basis around the world to provide secure convenient user authentication and transaction authorisation with this theme set to continue and accelerate.

Adoption is being seen across almost all of the financial services industry; from traditional (ATMs) to alternative (Bitcoin Wallets) - the mobile is fast becoming the biometric authenticator of choice for the financial services industry.

Alan Goode, author of the report and founder of Goode Intelligence said “Biometrics is a disruptive force for the financial services industry and is being used by new FinTech entrants, including mobile device manufacturers and mobile platform owners (Apple, Google and Samsung), as a method of dominating the banking and payment experience through ownership of a customer's identity.”

Coverage

The report identifies the major trends shaping this industry and includes analysis of how mobile biometrics is playing an increasing important role in reducing fraud and improving the customer experience for millions of financial services customers around the world.

Mobile biometrics for financial services is being used in a wide-range of scenarios including mobile banking app authentication, payment transaction authorisation, cash withdrawal authorisation at ATMs, telephone banking (contact centre) security, authorisation for mobile contactless payments (in-store), authorisation for in-app purchases and out-of-band transaction verification. Mobile-based biometrics is an ideal solution for transaction authorisation to reduce card-not-present fraud and could be adopted for 3D Secure (3DS) 2.0.

The report has identified key biometric technologies that are suitable for mobile and financial services and include:

  • Behavioral
  • Eye (Iris and Eye-Vein)
  • Face
  • Fingerprint
  • Voice

The report includes an analysis of all major biometric technologies with a review of the active vendors offering these biometric solutions and is backed up with six-year forecasts (2015-2020) for users (by technology and type), revenue, and payment transaction volume and value.

This report is aimed at technology vendors and service providers involved in providing biometric systems for mobile devices and financial services providers wanting to understand the reasons for deploying and what biometric solutions they should implement. The report is also aimed at management and technology consultants, hardware ODMs looking to support biometrics and investors looking to take advantage of this growing industry.

Companies referenced in this report include: Alipay, Agnitio, Apple, ARM, Banco Santander, Bank of Lanzhou, Bank of China, Bank of Korea, Barclays, BehavioSec, BioCatch, BIO-key, Biometrics Signature ID, British Bankers Association, Cirrus Logic, Daon, DARPA, Diamond Fortress, Diebold, EarlyWarning, Edgar, Dunn & Co., EMVCo, Encap Security, Ernst & Young, ECB, eyeLock, EyeVerify, Facebanx, FFIEC, FCA, FFA, Fingerprint Cards, Fotonation, Fujitsu, Garanti Bank, Gemalto, Getin Bank, Google, Hitachi, Hoyos Labs, HYPR Corp., Huawei, Idair, IDEX, IEEE, ING Bank, IrisGuard, Isbank, KeyLemon, MasterCard, Microsoft, NIST, NCR, NEXT Biometrics, Nok Nok Labs, NTT DoCoMo, Nuance, OCBC, OCC, OKI, PayPal, Pindrop, Qualcomm, RBS, Royal Bank of Canada, RSA Security, Samsung, SayPay, St Georges Bank, Sonavation, Synaptics, Tangerine Bank, Tencent, The FIDO Alliance, The Natural Security Alliance, Trustonic, USAA, US Federal Reserve, ValidSoft, Verint, VISA, VoiceTrust, VoiceVault, VOXX International, Westpac, Wincor Nixdorf and ZTE.

Table of Contents

  • Forward
  • Goode Intelligence
  • Author
  • Goode Intelligence Methodology
  • Regional Definitions

1. Market and Technology Analysis

  • 1.1. Introduction
  • 1.2. An Introduction to Biometric Technologies
  • 1.3. Biometrics Definition
  • 1.4. How Biometrics Works
  • 1.5. Biometric Authentication
  • 1.6. How is Biometrics used in financial services on mobile
  • 1.7. Market Drivers & Barriers
    • 1.7.1. Market Drivers
    • 1.7.2. Market Barriers
  • 1.8. Financial Services & Payments Biometric Regulation and Technology Standards
    • 1.8.1. Introduction
    • 1.8.2. Regulation
    • 1.8.3. State & Federal Regulation
      • 1.8.3.1. European Union (EU) Data Protection Act (DPA)
      • 1.8.3.2. European Union Payment Services Directive (PSD) II
    • 1.8.4. Industry Regulation / Guidelines
      • 1.8.4.1. PCI-DSS
      • 1.8.4.2. USA FFIEC
      • 1.8.4.3. EMV
      • 1.8.4.4. 3D Secure
      • 1.8.4.5. Bank of Korea
      • 1.8.4.6. Bank of China
      • 1.8.4.7. Hong Kong The Office of the Privacy Commissioner for Personal Data
    • 1.8.5. Technology Standards
      • 1.8.5.1. Introduction
      • 1.8.5.2. ISO
      • 1.8.5.3. ANSI
      • 1.8.5.4. UK CESG
      • 1.8.5.5. USA NIST
      • 1.8.5.6. The FIDO Alliance
      • 1.8.5.7. The Natural Security Alliance
      • 1.8.5.8. IEEE Biometric Open Protocol Standard (BOPS)
  • 1.9. Technology and Market Adoption
    • 1.9.1. Market Adoption and Analysis
      • 1.9.1.1. Mobile Biometrics for Financial Services
      • 1.9.1.2. So, Why Biometrics Now?
      • 1.9.1.3. The Move towards Multi-Modal Biometrics
      • 1.9.1.4. Mobile Biometrics for Payments
        • 1.9.1.4.1. Mobile Biometrics for eCommerce Payments
          • 1.9.1.4.1.1. Introduction
          • 1.9.1.4.1.2. Continuous Verification using BehavioSec?fs BehavioWeb
          • 1.9.1.4.1.3. BioCatch Behavioral Biometrics reduces Fraud by Securing New Account Set-up and Reduces Vishing Fraud Exposure
          • 1.9.1.4.1.4. Using Biometrics to support Know Your Customer (KYC) and Anti- Money Laundering (AML) methods: Facebanx Biometric Identity Management Solutions
        • 1.9.1.4.2. Mobile Biometrics for mCommerce Payments Mobile Payments
          • 1.9.1.4.2.1. Introduction
          • 1.9.1.4.2.2. Smart Mobile Device OEMs and Platforms
            • 1.9.1.4.2.2.1. Apple Pay
            • 1.9.1.4.2.2.2. Android Pay
            • 1.9.1.4.2.2.3. Samsung Pay
          • 1.9.1.4.2.3. Card Schemes
            • 1.9.1.4.2.3.1. Mastercard. Pay by Selfie
          • 1.9.1.4.2.4. eCommerce Payment Providers
            • 1.9.1.4.2.4.1. Alipay
            • 1.9.1.4.2.4.2. PayPal
          • 1.9.1.4.2.5. Mobile Network Operators. Direct Carrier Billing
            • 1.9.1.4.2.5.1. NTT DOCOMO
        • 1.9.1.4.3. Mobile Biometrics for Bitcoin Payments
          • 1.9.1.4.3.1. Introduction
          • 1.9.1.4.3.2. Using Biometrics to Secure Bitcoin & Other Digital Currency Platforms by answering the key question, “ Am I Who I Say I Am” - HYPR Corp.
          • 1.9.1.4.3.3. Case The Hardware Bitcoin Wallet Secured by Biometrics
        • 1.9.1.4.4. Mobile Biometrics & Cash ( ATMs)
          • 1.9.1.4.4.1. Introduction
          • 1.9.1.4.4.2. Mobile Biometrics. The Authenticator for Cash Issued at an ATM
          • 1.9.1.4.4.3. Leveraging Mobile-based Biometrics for ATM Cash Withdrawals Hoyos Labs 1U ATM
      • 1.9.1.5. Mobile Biometrics for Banking
        • 1.9.1.5.1. Introduction
        • 1.9.1.5.2. Biometrics for Mobile Banking
          • 1.9.1.5.2.1. Introduction
          • 1.9.1.5.2.2. Apple Touch ID. Apple shines a light for mobile banking
          • 1.9.1.5.2.3. USAA Mobile Multi-Modal Biometrics Banking App
          • 1.9.1.5.2.4. Getting Biometrics Integrated into Banking Platforms - Digital Insight adopts EyeVerify?fs eye-vein biometrics technology for mobile banking app authentication
          • 1.9.1.5.2.5. EyeVerify Eyeprint ID used as part of multi-modal mobile biometric authentication solution for Mountain America Credit Union (MACU)
        • 1.9.1.5.3. Mobile Voice Biometrics for Telephone Banking / Contact Centre
          • 1.9.1.5.3.1. Introduction
          • 1.9.1.5.3.2. How passive voice biometrics can reduce telephone banking fraud: Integrating Agnitio?fs Kivox Passive Detection voice recognition engine into fraud detection systems
          • 1.9.1.5.3.2. Barclays Bank streamlines telephone banking service by adopting voice biometrics
    • 1.9.2. Biometric Technology Analysis and Vendors
      • 1.9.2.1. Introduction
      • 1.9.2.3. Behavioral Biometrics
        • 1.9.2.3.1. Introduction
        • 1.9.2.3.2. Technology Vendors and Service Providers
          • 1.9.2.3.2.1. BehavioSec
          • 1.9.2.3.2.2. Encap Security
          • 1.9.2.3.2.3. Biometric Signature ID
          • 1.9.2.3.2.4. BioCatch
        • 1.9.2.3.3. Advantages and Disadvantages of Behavioral Biometrics
      • 1.9.2.4. Eye (Ocular) Biometrics
        • 1.9.2.4.1. Introduction
        • 1.9.2.4.2. Iris
          • 1.9.2.4.2.1. Introduction
          • 1.9.2.4.2.2. Technology Vendors and Service Providers
            • 1.9.2.4.2.2.1. EyeLock
            • 1.9.2.4.2.2.2. Hoyos Labs
            • 1.9.2.4.2.2.3. Fotonation / Smart Sensors
          • 1.9.2.4.2.3. Advantages and Disadvantages of Iris Biometrics
        • 1.9.2.4.3. Eye-Vein
          • 1.9.2.4.3.1. Introduction
          • 1.9.2.4.3.2. Technology Vendors and Service Providers
            • 1.9.2.4.3.2.1. EyeVerify
          • 1.9.2.4.3.3. Advantages and Disadvantages of Eye Vein Biometrics
      • 1.9.2.5. Face
        • 1.9.2.5.1. Introduction
        • 1.9.2.5.2. Technology Vendors and Service Providers
          • 1.9.2.5.2.1. Facebanx
          • 1.9.2.5.2.2. KeyLemon
          • 1.9.2.5.2.3. Daon IdentityX
        • 1.9.2.5.3. Advantages and Disadvantages of Face Biometrics
      • 1.9.2.6. Fingerprint
        • 1.9.2.6.1. Introduction
        • 1.9.2.6.2. Technology Vendors and service Providers. Fingerprint Sensor Manufacturers and Authentication Integrators
          • 1.9.2.6.2.1. Fingerprint Cards
          • 1.9.2.6.2.2. IDEX
          • 1.9.2.6.2.3. Dermalog
          • 1.9.2.6.2.4. Lumidigm. HID Global
          • 1.9.2.6.2.5. Next Biometrics
          • 1.9.2.6.2.6. Sonavation
          • 1.9.2.6.2.7. Qualcomm
          • 1.9.2.6.2.8. Synaptics Biometric Products Division
          • 1.9.2.6.2.9. Nok Nok Labs
          • 1.9.2.6.2.10. BIO-key
          • 1.9.2.6.2.11. Zwipe
        • 1.9.2.6.3. Camera-based Fingerprint Biometrics. Touchless
          • 1.9.2.6.3.1. Technology Vendors and Service Providers. Touchless Fingerprint Biometrics
            • 1.9.2.6.3.1.1. Diamond Fortress
            • 1.9.2.6.3.1.1. IDair
        • 1.9.2.6.4. Advantages and Disadvantages of Fingerprint Biometrics
      • 1.9.2.7. Voice
        • 1.9.2.7.1. Introduction
        • 1.9.2.7.2. Technology Vendors and Service Providers
          • 1.9.2.7.2.1. Agnitio
          • 1.9.2.7.2.2. Nuance
          • 1.9.2.7.2.3. ValidSoft
          • 1.9.2.7.2.4. VoiceVault / SayPay
          • 1.9.2.7.2.5. VoiceTrust
        • 1.9.2.7.3. Advantages and Disadvantages of Voice Biometrics

2. Forecasts

  • 2.1. Methodology and Assumptions
  • 2.2. Mobile Biometrics for Financial Services Forecasts
    • 2.2.1. Introduction
    • 2.2.2. Mobile Biometrics for Financial Services User Forecasts
      • 2.2.2.1. Mobile Biometrics for Financial Services User Forecasts By Technology
        • 2.2.2.1.1. Mobile Biometrics for Financial Services User Forecasts By Technology: Fingerprint
          • 2.2.2.1.1.1. Fingerprint Biometric Users - Forecast Highlights
        • 2.2.2.1.2. Mobile Biometrics for Financial Services User Forecasts By Technology: Voice
          • 2.2.2.1.2.1. Voice Biometric Users - Forecast Highlights
        • 2.2.2.1.3. Mobile Biometrics for Financial Services User Forecasts By Technology: Eye (Iris and Eye-Vein)
          • 2.2.2.1.3.1. Eye Biometric Users - Forecast Highlights
        • 2.2.2.1.4. Mobile Biometrics for Financial Services User Forecasts By Technology: Behavioral
          • 2.2.2.1.4.1. Behavioral Biometric Users - Forecast Highlights
        • 2.2.2.1.5. Mobile Biometrics for Financial Services User Forecasts By Technology: Face
          • 2.2.2.1.5.1. Face Biometric Users. Forecast Highlights
        • 2.2.2.1.6. Mobile Biometrics for Financial Services User Forecasts By Technology: Combined
          • 2.2.2.1.6.1. Combined Biometric Users - Forecast Highlights
        • 2.2.2.2.1. Mobile Biometrics for Financial Services User Forecasts Banking
        • 2.2.2.2.2. Mobile Biometrics for Financial Services User Forecasts Payments
        • 2.2.2.2.3. Mobile Biometrics for Financial Services User Forecasts Combined
    • 2.2.3. Mobile Biometrics for Financial Services Revenue Forecasts
      • 2.2.3.1. Assumption on Revenue Forecasts
      • 2.2.3.2. Mobile Biometrics for Financial Services Revenue Forecasts By Technology: Fingerprint
      • 2.2.3.3. Mobile Biometrics for Financial Services Revenue Forecasts By Technology: Voice
      • 2.2.3.4. Mobile Biometrics for Financial Services Revenue Forecasts By Technology: Eye (Iris & Eye-Vein)
      • 2.2.3.5. Mobile Biometrics for Financial Services Revenue Forecasts By Technology: Behavioral
      • 2.2.3.6. Mobile Biometrics for Financial Services Revenue Forecasts By Technology: Face
      • 2.2.3.7. Mobile Biometrics for Financial Services Revenue Forecasts By Technology: Combined
    • 2.2.4. Mobile Biometrics for Payment Transaction & Transaction Value Forecasts
      • 2.2.4.1. Assumptions on Transaction & Transaction Value Forecasts
      • 2.2.4.2. Mobile Biometrics for Payments Transaction Forecasts - Total Transactions
      • 2.2.4.3. Mobile Biometrics for Payments Transaction Forecasts - Total Value ($)

Appendices

  • A. Appendix A: Organisation Referenced in this Report
  • B. How to Measure Biometric Technology? A Guide to Choosing the Right Biometric System
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