表紙
市場調查報告書
商品編碼
1000957

移動支付認證:生物識別,法規,市場預測(2021-2025)

Mobile Payment Authentication: Biometrics, Regulation & Market Forecasts 2021-2025

出版日期: | 出版商: Juniper Research Ltd | 英文 | 商品交期: 最快1-2個工作天內

價格
  • 全貌
  • 簡介
  • 目錄
簡介

本報告探討了全球移動支付認證,機遇和挑戰,市場規模和預測,各種最新法律和行業標準的影響以及當前在支付安全市場中使用的不同類型,我們提供了諸如全面分析之類的信息。認證和認證供應商分析。

目錄

第1章移動支付安全性:威脅情況

  • 簡介
    • 調查的定義和範圍
  • 生態系統概述
    • 開放銀行:新的生態系統組成部分
  • 移動欺詐趨勢
    • 社交媒體
    • 未經授權或未經授權的應用
    • 數據披露
    • 按需服務平台和其他付款應用程序欺詐
    • 虛假註冊以劫持移動身份驗證/支付應用程序
    • 綜合身份和Deepfake-驗證和授權詐騙的未來
      • Deepfake增強了合成身份
      • 使用竊取的生物特徵信息

第2章移動支付身份驗證:市場情況

  • 簡介
  • 未來生物識別技術的發展
    • 過渡到其他區域動態生物特徵識別
    • 默認情況下的人臉識別
    • 語音識別和包含
    • 適合生物識別用例
  • 法規,標準,COVID-19因素的影響
    • COVID-19和PSD2
    • 3D Secure 2.2
    • FIDO2和WebAuthn
  • 身份驗證問題
    • 便利與安全
    • 生物識別技術和消費者信任
    • 物聯網認證
    • 自mPOS以來的多個平台和應用程序內保護
      • 案例研究:Thales EMV令牌化和Thales可信服務中心

第3章移動支付認證:競爭狀況

  • 簡介
  • 供應商分析和瞻博網絡研究排行榜
    • 供應商評估標準
    • 供應商分組
      • 概述
      • 確立領導者
      • 主要挑戰者
      • 破壞者和挑戰者
    • 限制和解釋
  • 移動支付認證推動者和搖動者
  • 供應商資料
    • Fingerprints
      • 公司
      • 地域擴張
      • 與主要客戶的戰略合作夥伴關係
      • 提供概述
      • 瞻博網絡研究觀點:關鍵優勢和戰略發展機遇
    • BioCatch
      • 公司
      • 地域擴張
      • 與主要客戶的戰略合作夥伴關係
      • 提供概述
      • 瞻博網絡研究觀點:關鍵優勢和戰略發展機遇
    • Daon
      • 公司
      • 地域擴張
      • 與主要客戶的戰略合作夥伴關係
      • 提供概述
      • 瞻博網絡研究觀點:關鍵優勢和戰略發展機遇
    • Duo
      • 公司
      • 地域擴張
      • 與主要客戶的戰略合作夥伴關係
      • 提供概述
      • 瞻博網絡研究觀點:關鍵優勢和戰略發展機遇
    • Fujitsu
      • 公司
      • 地域擴張
      • 與主要客戶的戰略合作夥伴關係
      • 提供概述
      • 瞻博網絡研究觀點:關鍵優勢和戰略發展機遇
    • Giesecke + Devrient
      • 公司
      • 地域擴張
      • 與主要客戶的戰略合作夥伴關係
      • 提供概述
      • 瞻博網絡研究觀點:關鍵優勢和戰略發展機遇
    • HYPR
      • 公司
      • 地域擴張
      • 與主要客戶的戰略合作夥伴關係
      • 提供概述
      • 瞻博網絡研究觀點:關鍵優勢和戰略發展機遇
    • IDEMIA
      • 公司
      • 地域擴張
      • 與主要客戶的戰略合作夥伴關係
      • 提供概述
      • 瞻博網絡研究觀點:關鍵優勢和戰略發展機遇
    • ImageWare
      • 公司
      • 地域擴張
      • 與主要客戶的戰略合作夥伴關係
      • 提供概述
      • 瞻博網絡研究觀點:關鍵優勢和戰略發展機遇
    • iProov
      • 公司
      • 地域擴張
      • 與主要客戶的戰略合作夥伴關係
      • 提供概述
      • 瞻博網絡研究觀點:關鍵優勢和戰略發展機遇
    • Nuance
      • 公司
      • 地域擴張
      • 與主要客戶的戰略合作夥伴關係
      • 提供概述
      • 瞻博網絡研究觀點:關鍵優勢和戰略發展機遇
    • Okta
      • 公司
      • 地域擴張
      • 與主要客戶的戰略合作夥伴關係
      • 提供概述
      • 瞻博網絡研究觀點:關鍵優勢和戰略發展機遇
    • RSA
      • 公司
      • 地域擴張
      • 與主要客戶的戰略合作夥伴關係
      • 提供概述
      • 瞻博網絡研究觀點:關鍵優勢和戰略發展機遇
    • Stripe
      • 公司
      • 地域擴張
      • 與主要客戶的戰略合作夥伴關係
      • 提供概述
      • 瞻博網絡研究觀點:關鍵優勢和戰略發展機遇
    • 泰雷茲
      • 公司
      • 地域擴張
      • 與主要客戶的戰略合作夥伴關係
      • 提供概述
      • 瞻博網絡研究觀點:關鍵優勢和戰略發展機遇

第4章移動支付身份驗證:市場預測

  • 生物識別技術簡介
  • 調查方法和前提條件
  • 生物識別可用性
  • 非接觸式生物識別支付
    • 採用非接觸式生物特徵認證
    • 非接觸式生物認證交易的數量
  • 生物識別遠程支付
    • 採用遠程生物特徵認證
    • 遠程生物特徵認證交易的數量
目錄

Juniper Research's new “Mobile Payment Authentication ” research report offers an in-depth assessment of the opportunities and challenges for the mobile payment authentication market. The report assesses the impact of a range of recent legislation and industry standards on the space, as well as providing a thorough analysis of the different types of authentication currently being used in the payment security market. It also analyses a range of authentication vendors via the Juniper Research Leaderboard.

The “Mobile Payment Authentication research” also provides industry benchmark forecasts for biometric authentication; supplying key metrics for both in-person and remote transactions, as well as splits by transaction type covering:

  • Facial Recognition
  • Fingerprints
  • Iris Scanning
  • Voice Biometrics

This research suite comprises:

  • Strategy & Forecasts (PDF)
  • 5-Year Deep Dive Data & Forecasting (PDF/IFxl)
  • 12 months' access to harvest online data platform

KEY FEATURES

  • Authentication Sector Dynamics: Analysis of key trends and primary challenges across the authentication space; highlighting the impact of:
    • Convenience Versus Security
    • Facial Recognition by Default
    • The Impact of COVID-19
    • The Move to Behavioural Biometrics
  • Interviews: Interviews with leading vendors, including:
    • G+D
    • Okta
    • Thales
    • Trustonic
  • Juniper Research Authentication Leaderboard: 15 key mobile payment authentication vendors positioned on the Juniper Research Leaderboard; accompanied by heatmap-based scoring and individual player analysis. Vendors covered include:
    • BioCatch
    • Daon
    • Duo
    • Fingerprints
    • Fujitsu
    • G+D
    • HYPR
    • IDEMIA
    • ImageWare
    • iProov
    • Nuance
    • Okta
    • RSA
    • Stripe
    • Thales
  • Benchmark Industry Forecasts: Forecasts sizing markets up to 2025 for biometric in person and remote payments, as well as biometric modalities, split by our 8 key regions and by the below 19 countries:
    • Australia
    • Brazil
    • Canada
    • China
    • Denmark
    • France
    • Germany
    • India
    • Japan
    • Mexico
    • Netherlands
    • Norway
    • Portugal
    • Saudi Arabia
    • South Korea
    • Spain
    • Sweden
    • UK
    • US

KEY QUESTIONS

  • 1. How is the use of biometrics in mobile payments changing?
  • 2. What forms of biometrics will be dominant in the future of the market?
  • 3. Which markets will have the strongest adoption of mobile security practices, and why?
  • 4. What impact will new regulatory requirements and standards have on payment authentication practices?
  • 5. Who are the leading players in mobile authentication, and what are their strategies?

COMPANIES REFERENCED

  • Interviewed: G+D, Okta, Thales, Trustonic.
  • Case Studied: Starbucks, Thales.
  • Included in Juniper Research Leaderboard: BioCatch, Daon, Duo, Fingerprints, Fujitsu, G+D, HYPR, IDEMIA, ImageWare, iProov, Nuance, Okta, RSA, Stripe, Thales.
  • Mentioned: Accuant, Advent International, AimBrain, Airbnb, AliPay, American Airlines, American Express, Amtrak, Andreessen Horowitz, APAC, Apple, Avaya, Barclays, BCP (Banco de Crédito del Perú), BeyondTrust, BioSec, BlackBerry, Booking.com, BPI France, Bromium, BT, CA Single Sign-on, CapitalG, Cerner, Cisco, Cisco, Citi, Citrix, Cleveland Clinic, Comcast Ventures, Deliveroo, Dell, Delta, Department of Homeland Security Science & Technology Directorate, Deutsche Bank, Deutsche Telekom, DiData, DocuSign, EMC, Entrust Datacard, Epic, ETH Zurich, Europay, Experian, Facebook, FIDO, Financial Conduct Authority, Fitbit, ForgeRock, Garmin, General Catalyst, Genesys, German Postbank, Github, Google, Grab, GSMA, HPE, HSBC, Huawei, IBM, ImageWare, Index, Indie Hackers, ING Bank, Instagram, Kaspersky, Keycloak, Kickoff, Kickstarter, LG, Lloyds Banking Group, Lyft, Mastercard, Mayo Clinic, McKesson, Microsoft, Morpho, MoshiMoshi, Nasdaq, Netcetera, NEXT, NHS, NICE, Nok Nok Labs, Oberthur Technologies, OpenTable, Oracle, OT, Oxbury Bank, Paris School of Business, Payable, PayPal, Paystack, Ping Identity, Plaid, Pocket, Rackspace, Ravelin, Redrock Biometrics, RunKit, SafetyDetectives, SAIC Venture Capital, Salesforce, Samsung, Santander, SAP, Secure Identity Alliance, Sequoia Capital, Shopify, Siemens, Softonic, SurveyMonkey, Swatch, Symphony Technology Group, Tandem Bank, Teapot, Telefónica, Telegram, Telstra, The Guardian, Thrive Capital, Tiger Global Management, Tink, T-Mobile, TOTEMS, Touchtech Payments, Treatwell, Truelayer, TRUSTDOCK, TymeBank, Uber, UCL (University College London), Unicef, Uniswap, UPMC, Verint, Visa, Vocel, Vodafone, WhatsApp, Xero, Yubico, ZOLOZ.

DATA & INTERACTIVE FORECAST

Juniper Research's “Mobile Payment Authentication ” forecast suite includes:

  • Forecast splits for 8 key regions, as well as 19 country-level data splits for:
    • Australia
    • Brazil
    • Canada
    • China
    • Denmark
    • France
    • Germany
    • India
    • Japan
    • Mexico
    • Netherlands
    • Norway
    • Portugal
    • Saudi Arabia
    • South Korea
    • Spain
    • Sweden
    • UK
    • US
  • Mobile biometric authentication payment devices, usage and transaction values, split by:
    • Contactless In-store Payments
    • Remote Payments
  • Biometric adoption and payment usage forecasts split by modality:
    • Facial Recognition
    • Fingerprints
    • Iris Scanning
    • Voice Biometrics
  • Interactive Scenario Tool allowing users to manipulate Juniper Research's data for 7 different metrics.
  • Access to the full set of forecast data of 57 tables and more than 11,600 datapoints.

Juniper Research's highly granular IFxls (interactive Excels) enable clients to manipulate our forecast data and charts to test their own assumptions, by using the Interactive Scenario Tool, and compare select markets side by side in customised charts and tables. IFxls greatly increase the clients' ability to both understand a particular market and to integrate their own views into the model.

Table of Contents

1. Mobile Payment Security: Threat Landscape

  • 1.1 Introduction
    • 1.1.1 Definitions & Report Scope
  • 1.2 Ecosystem Outline
    • Figure 1.1: Possible Threat Channels
    • 1.2.1 Open Banking: A New Ecosystem Component
  • 1.3 Mobile Fraud Trends
    • 1.3.1 Social Media
      • Figure 1.2: Example of Social Media Fraud
    • 1.3.2 Rogue or Unauthorised Apps
    • 1.3.3 Data Exposure
      • Figure 1.3: Twitter, November 2020
      • Figure 1.4: Fake Update Notice for Electrum Wallet
    • 1.3.4 On-demand Services Platforms and Other Payment App Scams
    • 1.3.5 Fake Enrolment to Hijack Mobile Authentication/Payment Apps
    • 1.3.6 Synthetic Identity and Deepfakes - the Future of Verification and Authorisation Fraud?
      • i. Synthetic Identity Augmented Using Deepfakes.
      • ii. Use of Stolen Biometrics Information
        • Figure 1.5: Prices of Stolen Identities

2. Mobile Payment Authentication: Market Landscape

  • 2.1 Introduction
  • 2.2 Future Biometrics Development
    • 2.2.1 The Move to Behavioural Biometrics
    • 2.2.2 Facial Recognition by Default
    • 2.2.3 Voice Authentication and Inclusion
    • 2.2.4 Fitting the Biometric to the Use Case
  • 2.3 Impact of Regulation, Standards and the COVID-19 Factor
    • 2.3.1 COVID-19 and PSD2
    • 2.3.2 3D Secure 2.2
    • 2.3.3 FIDO2 & WebAuthn
  • 2.4 Authentication Challenges
    • 2.4.1 Convenience vs Security: The Legs of the Swan
    • 2.4.2 Biometrics and Consumer Trust
    • 2.4.3 IoT Authentication
    • 2.4.4 Multiple Platforms and In-app Protection on mPOS and Beyond
      • Case Study: Thales EMV Tokenisation and the Thales Trusted Services Hub

3. Mobile Payment Authentication: Competitive Landscape

  • 3.1 Introduction
  • 3.2 Vendor Analysis & Juniper Research Leaderboard
    • 3.2.1 Vendor Assessment Criteria
      • Figure 3.1: Mobile Payment Authentication Vendor Assessment Criteria
      • Figure 3.2: Juniper Research Payment Authentication Leaderboard Scoring Heatmap
      • Figure 3.3: Juniper Research Leaderboard for Payment Authentication
    • 3.2.2 Vendor Groupings
      • i. Summary
      • ii. Established Leaders
      • iii. Leading Challengers
      • iv. Disruptors & Challengers
    • 3.2.3 Limitations & Interpretation
  • 3.3 Mobile Payment Authentication Movers & Shakers
  • 3.4 Vendor Profiles
    • 3.4.1 Fingerprints
      • i. Corporate
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
        • Figure 3.4: Fingerprints Financial Snapshot, ($m converted from SEK M), 2018-2019 (FYE 31st March)
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.4.2 BioCatch
      • i. Corporate
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.4.3 Daon
      • i. Corporate
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
        • Figure 3.5: Typical Daon Component Architecture Showing Multi-channel Support
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.4.4 Duo
      • i. Corporate
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.4.5 Fujitsu
      • i. Corporate
        • Table 3.6: Fujitsu Financial Snapshot ($bn), 2018-2019 (FYE 31st March)
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.4.6 Giesecke+Devrient
      • i. Corporate
        • Table 3.7: G+D Financial Snapshot, (€m) 2018-2019 (FYE 31st December)
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.4.7 HYPR
      • i. Corporate
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
        • Figure 3.8: HYPR Passwordless Flow
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.4.8 IDEMIA
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.4.9 ImageWare
      • i. Corporate
        • Table 3.9: ImageWare Financial Performance ($m), FY 2018-2019
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.4.10 iProov
      • i. Corporate
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.4.11 Nuance
      • i. Corporate
        • Table 3.10: Nuance Financial Snapshot, ($m), 2016-2018 (FYE 30th September)
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.4.12 Okta
      • i. Corporate
        • Table 3.11: Okta Financial Snapshot ($m), FY 2018-2020, YE 31st January
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
        • Figure 3.12: Okta Contextual Access Management Contexts
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.4.13 RSA
      • i. Corporate
        • Table 3.13: RSA Security Financial Snapshot ($m), FY 2018-H1 2020 (YE February)
      • ii. Geographical Spread
      • iii. Key Clients & Strategic Partnerships
        • Figure 3.14: RSA Featured Partners
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.4.14 Stripe
      • i. Corporate
        • Table 3.15: Stripe Acquisitions
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities
    • 3.4.15 Thales
      • i. Corporate
        • Table 3.16: Gemalto by Thales DIS Financial Snapshot, (€m), 2018-2019 (31st December) - Digital Identity and Security Segment Only
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High-level View of Offerings
      • v. Juniper Research's View: Key Strengths & Strategic Development Opportunities

4. Mobile Payment Authentication: Market Forecasts

  • 4.1 Biometric Authentication - Introduction
  • 4.2 Methodology & Assumptions
    • Figure 4.1: Biometric Authentication Forecast Methodology
  • 4.3 Biometric Availability
    • Figure & Table 4.2: Total Smartphones Featuring Biometric Scanners, Installed Base (m), Split by 8 Key Regions, 2020-2025
    • 4.3.1 Available Biometric Authentication Modalities
      • i. Hardware Modalities
        • Figure & Table 4.3: Proportion of Biometric Smartphones Featuring Hardware-based Biometric Modality (%), Split by Category, 2020-2025
      • ii. Software Modalities
        • Figure & Table 4.4: Proportion of Smartphones Capable of Software-based Biometric Modality (%), Split by Category, 2020-2025
  • 4.4 Biometric Contactless Payments
    • 4.4.1 Contactless Biometric Authentication Adoption
      • Figure & Table 4.5: Total Number of Smartphones with Biometrics Used for Contactless Payments (m), Split by 8 Key Regions, 2020-2025
    • 4.4.2 Contactless Biometric Authentication Transaction Value
      • Figure & Table 4.6: Smartphones, Total Transaction Value, Biometrically Authenticated Contactless Transactions ($m), Split by 8 Key Regions, 2020-2025
  • 4.5 Biometric Remote Payments
    • 4.5.1 Remote Biometric Payment Authentication Adoption
      • Figure 4.7: Number of Smartphone Remote Payment Users Verifying Purchases via Biometrics (m), Split by 8 Key Regions, 2020-2025
    • 4.5.2 Remote Biometric Payment Authentication Transaction Value
      • Figure 4.8: Total Transaction Value, Biometrically Authenticated Remote Smartphone Transactions ($m), Split by 8 Key Regions, 2020-2025