モバイル決済セキュリティソフトウェアの世界市場2021-2026:成長・動向・新型コロナの影響・市場予測

【英語タイトル】Mobile Payment Security Software Market - Growth, Trends, COVID-19 Impact, and Forecasts (2021 - 2026)

Mordor Intelligenceが出版した調査資料(MOR21MC109)・商品コード:MOR21MC109
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・発行日:2021年1月
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・レポート言語:英語
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本調査資料では、世界のモバイル決済セキュリティソフトウェア市場について調査し、イントロダクション、調査手法、エグゼクティブサマリー、市場動向、最終用途産業別(通信・IT、銀行・金融サービス、政府、輸送、小売)分析、地域別分析、競争状況、投資分析、市場の将来の項目を掲載しています。
・イントロダクション
・調査手法
・エグゼクティブサマリー
・市場動向
・世界のモバイル決済セキュリティソフトウェア市場規模:最終用途産業別(通信・IT、銀行・金融サービス、政府、輸送、小売)
・世界のモバイル決済セキュリティソフトウェア市場規模:地域別
・競争状況
・投資分析
・市場の将来
【レポートの概要】

Global Mobile Payment Security Software Market is expected to grow at a CAGR of 9.2% over the forecast periods (2021-2026). Increasing adoption of mobile wallets in both emerging and developed countries is providing numerous opportunities for service providers and merchants, which is driving the market demand for security software.

- Mobile payment methods are expected to grow at a significant rate, owing to the increasing smartphone penetration and the various benefits associated with them, such as improved customer experience, which results in shorter waiting times in queues and wider payment offers to customers.
- Mobile payment can be performed either by SMS via QR codes, or Near Field Communication (NFC). Consumers are becoming increasingly familiar with using mobile phones for various purposes, including secure financial transactions via mobile applications, or web banking site. The growing adoption of multi-factor authentication techniques are also expected to aid the growth of market.
- Pirated mobile payment security software is a challenge in market growth. It directly increases security risks thereby affecting authenticity of mobile payments.
- The increasing number of digital payments, such as credit/debit payments, mobile wallets, and online payments, is expected to boost the mobile payment security software market over the forecast period. The growing number of data breaches is also one of the primary factors contributing to the market’s growth. According to the Payment Methods Report 2019 by the European Payment Council, it is expected that 2.1 billion consumers across the world may use an e-wallet to make payments or send money. Rapidly increasing loyalty programs in the mobile wallet domain are further boosting the growth of mobile payments globally.
- In recent years, the use of mobile applications for making payments and mobile app breaches have increased exponentially. The breaches usually begin with a public copy of the app with bugs in the code that a hacker can reverse engineer to steal data. It is estimated that malicious code affects over 11.6 million mobile devices at any given point of time. The most prevalent methods that lead to data breaches come from risky app behaviour, including aggressive data collection and data sharing. According to a report published by the Bitglass (A prominent cloud security vendor in the global market) in 2019, the financial services industry contributed 62% of exposed data, even though it accounted for only 6.5% of data breaches.
- With the recent outbreak of COVID-19, the mobile payment security software market is expected to witness significant growth, owing to an increased usage of digital payment services.

Key Market Trends

Retail Industry to Dominate the Market.

- In the past five years, retail has become a mobile function specially with the rise in popularity of mobile e-wallets. The introduction of 5G is enhancing innovations in retail technology and, in turn, benefitting the consumer. However the security vulnerabilities related to these wallets are driving the market demand.
- Global retailers such as Walmart, Target and Dunkin are adopting mobile payments by leveraging the power of loyalty and using mobile payments as a way to make the checkout process as painless as possible. This demands an increasing level of payment security to maintain customer relationship.
- Rising global e-commerce transactions are further driving the market demand. According to US Commerce Department, consumers spent USD 517.36 billion online with U.S. merchants in 2018, up 15% from USD 449.88 billion spent in 2017. This trend is expected to continue and give rise to mobile payment security software solutions.
- Rambus has rolled out “Vaultify Shop”, which enables retailers to digitize credit cards, gift cards, loyalty points and coupons into a single secure mobile wallet and create a frictionless shopping experience for consumers.
- Due to COVID-19, the e-commerce sector is witnessing a spike in demand as consumers are ordering the essential items such as food, clothes, among others, through e-commerce websites where most of the consumers prefer the digital mode of payment. According to Local circles, 25% of the consumer have preferred digital payment for online groceries/medicine purchases in India as of April 2020.

North America to Dominate the Market Share

- Further, it has been estimated that digital/mobile wallets will soon overtake credit cards to become the leading online payment method to account for 37% of North American eCommerce spend by 2023. Also, the regulation of retail payment systems is dispersed across multiple state and federal regulators. For example, payment systems are subject to federal consumer protection regulation under the Electronic Fund Transfer Act (P.L. 95-630), anti-money laundering requirements under the Bank Secrecy Act (P.L. 91-508), and various state licensing, safety and soundness, anti-money laundering, and consumer protection requirements.
- The US is an established consumer market and is focused on innovation. Companies such as PayPal and Apple Pay have a strong presence in the region with a slow growth rate. Apple Pay allows users to make purchases in stores, in apps, and online securely without handing over the credit card information every time. In a store, the mobile wallet uses near-field communication technology, which allows two devices placed within a few centimetres of each other to exchange data. To keep the information private, Apple Pay creates a unique token every time the user uses it, so merchants never get the actual card number. Meanwhile, PayPal, a prominent US third‐​party payment platform, has a fraud rate of 0.32 percent.
- Moreover, the popularity of peer-to-peer payments (P2P) proved convenience might be one of the strongest motivators. Consumer Reports identified three areas of P2P payment app concerns and risks for consumers: problem resolution related to misdirected payments, the importance of payment security, and privacy concerns. But this has not stopped consumers from embracing this technology.
- Further, it has been estimated that digital/mobile wallets will soon overtake credit cards to become the leading online payment method to account for 37% of North American eCommerce spend by 2023. Also, the regulation of retail payment systems is dispersed across multiple state and federal regulators. For example, payment systems are subject to federal consumer protection regulation under the Electronic Fund Transfer Act (P.L. 95-630), anti-money laundering requirements under the Bank Secrecy Act (P.L. 91-508), and various state licensing, safety and soundness, anti-money laundering, and consumer protection requirements.
- ■The US is an established consumer market and is focused on innovation. Companies such as PayPal and Apple Pay have a strong presence in the region with a slow growth rate. Apple Pay allows users to make purchases in stores, in apps, and online securely without handing over the credit card information every time. In a store, the mobile wallet uses near-field communication technology, which allows two devices placed within a few centimetres of each other to exchange data. To keep the information private, Apple Pay creates a unique token every time the user uses it, so merchants never get the actual card number. Meanwhile, PayPal, a prominent US third‐​party payment platform, has a fraud rate of 0.32 percent.
- Moreover, the popularity of peer-to-peer payments (P2P) proved convenience might be one of the strongest motivators. Consumer Reports identified three areas of P2P payment app concerns and risks for consumers: problem resolution related to misdirected payments, the importance of payment security, and privacy concerns. But this has not stopped consumers from embracing this technology.
- US-based Venmo is a mobile-first P2P service that appeals to youth with emojis and a scrolling social feed of payment activity. Owned by PayPal, also based in the United States, Venmo processed USD 24 billion of total payment volume in Q2 2019, growing 70% YoY. With increasing payment technology, the demand for security will lead to market growth.

Competitive Landscape

The market is moving towards fragmented side due to highly competitive nature of the market as the number of vendors offering mobile payment security solutions are growing in number. Partnerships are majorly occurring in the domain which is leading to expansion of product portfolio.

- April 2019 – US-based Fidelity National Information Services Inc planned to take advantage of India’s financial sector to roll-out its security offeirngs. In March 2019, they acquired payment processor Worldpay for USD 35 billion.
- May 2020- Paypal Holding Inc. announced to launch a Fraud Protection system that gives merchants an integrated solution that leverages the deep intelligence of the PayPal and Braintree networks, a vast array of data analytics, and state-of-the-art machine learning. Fraud Protection adapts to changing fraud patterns and provides the flexibility to choose rules and filter settings specific to merchants’ businesses.

Reasons to Purchase this report:

- The market estimate (ME) sheet in Excel format
- 3 months of analyst support

【レポートの目次】

1 INTRODUCTION
1.1 Study Assumptions and Market Definition
1.2 Scope of the Study

2 RESEARCH METHODOLOGY

3 EXECUTIVE SUMMARY

4 MARKET DYNAMICS
4.1 Market Overview
4.2 Introduction to Market Drivers and Restraints
4.3 Market Drivers
4.3.1 Growing Mobile Payments Due to Increased Smartphone Penetration is Driving the Market Demand
4.4 Market Restraints
4.4.1 Increased Risk of Exploitation Through Piracy is Restraining the Market Demand
4.5 Value Chain Analysis
4.6 Industry Attractiveness – Porter’s Five Force Analysis
4.6.1 Threat of New Entrants
4.6.2 Bargaining Power of Buyers/Consumers
4.6.3 Bargaining Power of Suppliers
4.6.4 Threat of Substitute Products
4.6.5 Intensity of Competitive Rivalry
4.7 Assessment of COVID-19 impact on the industry

5 MARKET SEGMENTATION
5.1 End-user Industry
5.1.1 Telecom & Information Technology
5.1.2 Banking & Financial Service
5.1.3 Government
5.1.4 Transportation
5.1.5 Retail
5.1.6 Entertainment and Media
5.1.7 Other End User Industries
5.2 Geography
5.2.1 North America
5.2.2 Europe
5.2.3 Asia Pacific
5.2.4 Latin America
5.2.5 Middle East and Africa

6 COMPETITIVE LANDSCAPE
6.1 Company Profiles*
6.1.1 Broadcom Corporation
6.1.2 OneSpan
6.1.3 UL Transaction Security
6.1.4 MagTek Inc.
6.1.5 NCR Corporation
6.1.6 Fidelity National Information Services Inc.
6.1.7 Ingenico Group
6.1.8 FICO Enterprise
6.1.9 Chase Paymentech Solutions
6.1.10 Braintree Payment Solutions LLC
6.1.11 Bluefin Payment Systems LLC

7 INVESTMENT ANALYSIS

8 FUTURE OF THE MARKET



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