Biometric Payments - Market & Technology Analysis, Adoption Strategies and Forecasts 2025-2030
2030년까지 35억 명이 안전한 결제를 위해 생체인식 기술의 혜택을 받을 것으로 예상됩니다.
생체인증 결제 시장에 대해 조사했으며, 온보딩에서 결제 처리, 부정행위 감지 및 예방에 이르기까지 결제 프로세스의 주요 부분에 생체인증이 어떻게 통합되어 있는지 조사하였습니다. 또한 주요 촉진요인 및 억제요인을 포함한 시장 분석, 주요 이해관계자 인터뷰, 주요 생체인식 기술 검토를 포함한 기술 분석, 결제용 생체인식 시스템을 제공하는 기업 개요 등 현재 전 세계 도입 현황을 상세하게 조사하여 전해드립니다. 또한 2025-2030년 6년간의 사용자, 생체인식 방식, 기기, 거래, 매출에 대한 지역별 및 세계 시장 예측을 수록했습니다.
목차
서론
개요
시장과 기술 분석
- 서론
- 생체인식은 결제에 어떻게 사용되는가?
- 서론
- 주요 동향
- 생체인식 결제 모델
- 분산형 생체인식 결제 모델
- 집중형-클라우드 기반-생체인식 결제 모델
- 시장 촉진요인과 억제요인
금융 서비스와 결제 생체인식 규제와 기술 표준
- 서론
- 규제
- 데이터 보호 규제
- 유럽연합(EU) 일반 데이터 보호 규정(GDPR)
- 미국 데이터 보호 규칙
- 아시아태평양 데이터 보호 규칙
- 남미 데이터 보호 규제
- 유럽연합 결제 서비스 지침(PSD2)
- 유럽연합 결제 서비스 지침(PSD3)
- 자금세탁방지(AML) 및 고객 확인(KYC) 규제
- 업계 규제/가이드라인
- 중국 결제 협회
기술 표준
- 서론
- ISO
- ANSI
- 영국 CESG
- 미국 NIST
- FIDO 얼라이언스
기술과 시장 채택
- 시장 채택과 분석
- 서론
- 결제 온보딩을 위한 생체인식 - 신원 확인
- 생체인식 결제 거래
- 디지털(E-Commerce) 생체인식 결제
- 디지털 지갑
- 모바일 OEM 결제 월렛
- 결제 카드
생체인식에 의한 결제
- 소매
- POS 통합
- 결제 사기 관리를 위한 생체인식
생체인식 기술 - 분석, 예측, 벤더
얼굴
- 서론
- 예측
- 얼굴 인증 기술 벤더 및 서비스 프로바이더
- 얼굴 인증의 이점과 단점
지문
- 서론
- 예측
- 기술 벤더와 서비스 프로바이더 - 지문 센서 제조업체와 인증 인티그레이터
- 지문 생체인식(센서)의 이점과 단점
음성
- 서론
- 예측
- 프로바이더
- 음성 생체인식의 이점과 단점
손가락 정맥
- 서론
- 예측
- 기술 벤더와 서비스 프로바이더
- 손가락 정맥 인증의 이점과 단점
손바닥 정맥
- 서론
- 예측
- 기술 벤더와 서비스 프로바이더
- 손바닥 정맥 인증의 이점과 단점
장문
예측
- 조사 방법과 전제
- 생체인식 결제 예측
- 생체인식 결제 사용자 예측 - 디지털 온보딩
- 생체인식 결제 사용자 예측 - 결제 거래
- 생체인식 결제 예측 - 생체인식 모달리티별
- 생체인식 결제 예측 - 디바이스별
- 생체인식 결제 거래
- 생체인식 결제의 매출 예측
KSA
Goode Intelligence forecasts that that 3.5 billion people will be benefiting from biometric technology to secure payments by 2030.
The 301 page report is the most comprehensive analysis of biometric payments investigating how biometrics is being integrated into all major parts of the payment process from onboarding, payment transacting, and fraud detection and prevention.
The report details current global adoption with market analysis including key drivers and barriers, interviews with leading stakeholders, technology analysis with review of key biometric technologies and profiles of companies supplying biometric systems for payments. It includes regional and global market forecasts for users, biometric modalities, devices, transactions and revenue for the six-year period from 2025 to 2030.
Coverage
This is the fourth edition of the Goode Intelligence Biometrics for Payments report, first published in 2015 and refreshed in 2018, 2021, and now for 2025.
The reports covers:
- Investigation of important regulations and technology standards
- Analysis of where biometrics is being adopted in the payment process, from digital onboarding, payment transactions, and fraud detection / prevention
- Review of current global adoption
- Market analysis, including key drivers and barriers for adoption across a wide range of payment scenarios
- Technology analysis - what modalities are being adopted, where and why
- Analysis of important technology vendors and services providers operating in this sector, including exclusive interviews and vendor profiles
- Forecasts for users, biometric modalities, devices, transactions and revenue for the six-year period 2025 to 2030
The 301 page report is the most detailed and comprehensive guide to the market for biometrics for payments published to date exploring the adoption of biometric technology for payments across all major payment channels - from traditional to emerging - delivered by the world's leading biometrics analyst company with a track record of detailed analysis and accurate forecasts.
Key findings from the report include:
- A movement away from device-based to server-based biometric technology to support higher value payment transactions in the mobile channel.
- Increasing use of face biometrics and face liveness detection solutions to support identity verification and to prevent increasing levels of AI-driven fraud, including deepfakes.
- Strengthening adoption for Tokenless (naked) biometric payments leveraging integrated biometric sensors at the physical point of sale (POS).
- Rising levels of adoption for biometric technology in risk-based authentication and fraud management platforms to detect and prevent fraud.
- The emergence of age assurance as an important part of the payment process, meeting government age related regulation including the UK's Online Safety Act (OSA).
- Biometric Payment Cards evolving into a premium card product that can meet accessibility requirements.
- Hybrid scenarios where a Biometric Digital ID offers payment as one of its applications/use cases in combination with:
- Permission to travel (Fast lane border control)
- Ticketing
- Loyalty programs
- Automotive
- In-cabin payments
- Support ride-share and autonomous
Alan Goode, founder and CEO of Goode Intelligence and author of the report, said "The pay by me revolution is well underway. Customers want choice for payments. They also want the assurance that payments are secure and safe. The payment experience also must be convenient with as little friction as possible. The average online cart abandonment rate currently stands at 70 percent, with 31 percent abandoned due to friction - often led by frustration of identity and authentication processes."
"Biometrics for payments is increasingly a vital part of a payment service providers' toolkit in the never-ending task of reducing financial fraud and ensuring that their customers can conveniently prove their identity and authorise transactions when paying for trillions of dollars' worth goods and services in a variety of payment channels. Supporting customers for the entire payment journey in both physical and digital scenarios from onboarding (identity verification) to authentication, transaction authorisation and fraud detection / prevention."
Biometric modalities covered include behavioral, face, fingerprint, finger-vein, palm-vein, palmprint, and voice. The report investigates adoption of biometric software and hardware.
The report forecasts that:
- There will be over 3.5 billion biometric payment users by 2030.
- Total revenue for biometric suppliers from payments will surpass $11.3 billion by 2030.
The report includes exclusive interviews with important stakeholders from the following companies:
- Daon
- iProov
- Nuggets
- IDEX Biometrics
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- Next Biometrics
- Tapeeze
- Thales
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The following companies are referenced in the report:
Apple, ANSI, Ariadnext, Aadhaar, Apple Pay, Alipay, AU10TIX, American Express, Amazon Pay, Amazon One, Amadeus, Alibaba, Airport Authority of Hong Kong, Aramark, Allied Irish Bank (AIB), Bank of Korea, BehavioSec, Blik, BNP Paribas, Bank of China Hong King (BOCHK), Banco Bradesco, BioCatch, China Union Pay, Carte Bancaire, Cubic Transportation Systems, Clear, CDF-Lagardere, Crypto.com, CaxiaBank, Cerence, Cognitec, Daon, Diners Club, Danske Bank, Dermalog, Diebold, EMVco, Entrust, Eastern Bank PLC (EBL), Facebook (Meta), FIDO Alliance, Fujitsu, FacePhi, Feedzai, Face++, FaceTec, Fingerprint Cards, GBG, Google, Google Pay, G+D, Garanti BBVA, Gilbarco Veeder-Root, General Motors, Hong Kong International Airport (HKIA), HID Global, Honda, Hitachi, IDEMIA, IBM, ISO, iProov, IDnow, Idology, ID.me, IDPal, Incode, iDeal, IN Groupe, IDEX Biometrics, Itau Bank, Iris ID, IPS Group, ID R&D, Innovatrics, Jumio, Japan Credit Bureau (JCB), J.P. Morgan, Klarna, LexisNexis Risk Solutions, Lumidigm, LumenVox, Microsoft, Mitek, Mox, Microblink, Mastercard, MODO, Mobikwik, Mercedes Benz, Megvii, M2SYS, Nuggets, NIST, Nok Nok Labs, NTT DoCoMo, NCR, NEC, Nuance, Next Biometrics, NICE, Onfido, OCR Labs, OCBC, Payments and Clearing Association of China, Persona, PayPal, Paytm, PhonePe, PopID, PayEye, Parkopedia, Paravision, Phonexia, Precise Biometrics, Qualcomm, Reserve Bank of India, Redrock Biometrics, Revelock, State Bank of Vietnam, Standard Chartered Bank, Samsung, Samsung Pay, Synaptics, Silone CardTechThales, Trulioo, Toppan Forms Card, Tapeeze, TECH5, Thames Technology, TypigDNA, Tencent, UK CESG, Veriff, Visa, Veridas, Worldpay, WeChat Pay, Yoti, and Zwipe.
Table of Contents
Forward
- Goode Intelligence
- Author
- Goode Intelligence Methodology
- Regional Definitions
Executive Summary
- ES1. Report Scope
- ES2. How are Biometrics used For Payments
- ES3. Forecasts
- ES3.1. Methodology and Assumptions
- ES3.2. Biometric Payments Forecasts
- ES3.2.1. Introduction
- ES3.2.2. Biometric Payments User Forecasts - By Payment Process
- ES3.2.3. Biometric Payments Forecasts - By Biometric Modality
- ES3.2.4. Biometric Payments Forecasts - By Device
- ES3.2.4. Biometric Payments Forecasts - By Transactions
- ES3.2.5. Biometric Payments Revenue Forecasts
- ES4. Summary
Market and Technology Analysis
- Introduction
- How is Biometrics used For Payments?
- Introduction
- Major Trends
- Biometric Payment Models
- Decentralized Biometric Payment Model
- Centralized - Cloud-Based - Biometric Payment Model
- Market Driver s and Barriers
- Market Drivers
- Market Barriers
Financial Services and Payments Biometric Regulation and Technology Standards
- Introduction
- Regulation
- Data Protection Regulation
- European Union (EU) General Data Protection Regulation (GDPR)
- USA Data protection Regulation
- California
- Illinois
- New York
- Texas
- Washington
- Asia-Pacific Data protection Regulation
- South America Data protection Regulation
- European Union Payment Services Directive (PSD2)
- European Union Payment Services Directive (PSD3)
- Anti-Money Laundering (AML) and Know Your Customer (KYC) Regulation
- Industry Regulation / Guidelines
- PCI-DSS
- USA FFIEC
- EMV
- Bank of Korea
- State Bank of Vietnam
- The Payments and Clearing Association of China
Technology Standards
- Introduction
- ISO
- ANSI
- UK CESG
- USA NIST
- The FIDO Alliance
Technology and Market Adoption
- Market Adoption and Analysis
- Introduction
- Biometrics for Payment Onboarding - Identity Verification
- Introduction
- Adoption
- China - Hong Kong
- Biometric Payment Onboarding - Forecasts
- Digital Onboarding - Suppliers
- Insight - Interview with Nuggets
- Biometric Payment Transactions
- Digital (eCommerce) Biometric Payments
- Digital Wallets
- Mobile OEM Payment Wallets
- Apple Pay
- Google Pay
- Samsung Pay
- Alternative Payment Providers of Digital Wallets
- Payment Card Scheme Digital Wallets
- Bank Payment Wallets
- Payment Cards
Physical Biometric Payments
- Retail
- Mobile Payments - Digital Wallets
- Biometric Payment Cards
- How does the technology work
- Advantages of Biometric Payment Cards
- Biometric Payment Card Ecosystem
- Biometric Payment Card Commercial Rollouts
- Biometric Payment Cards - Insights
- Biometric Payment Cards - Forecasts
- POS Integration
- Introduction
- POS Integrated Biometric Payments - Market Adoption/Analysis
- Dermalog - FingerPayment
- Clear - Biometric Payment at USA Footbal Stadia
- PayEye - Iris-based Payments in Poland and Worldwide
- Aadhaar Pay
- Alipay "Smile to Pay"
- WeChat Pay - Pay by Palm
- Amazon One - Palm Biometric Payments
- J.P. Morgan
- Forecasts
- Biometric ATMs (Cash Payments)
- Introduction
- Cash
- Biometric Technology Integrated into ATM
- Other
- Automative - In-Car Payments
- Forecasts
- Airports
- Sports and Entertainment Venues
- Biometrics For Payment Fraud Management
- Introduction
- Biometrics For Payment Fraud - Adoption
- Protecting Payment Transactions for Users on the Go using LexisNexis Risk Solution BehavioSec Behavioral Biometrics Platfrom
- Ireland - AIB Partners with Daon for Selfie Payment Check
- Forecasts
Biometric Technology - Analysis, Forecasts & Vendors
- Introduction
- Behavioral Biometrics
- Introduction
- Forecasts
- Biometric Payment User Forecasts - Behavioral
- Biometric Payment Revenue Forecasts - Behavioral
- LexisNexis Risk Solutions BehavioSec
- BioCatch
- Feedzai
- TypingDNA
- Advantages and Disadvantages of Behavioral Biometrics
Face
- Introduction
- Forecasts
- Biometric Payment User Forecasts - Face
- Biometric Payment Revenue Forecasts - Face
- Face Biometric Technology Vendors and Service Providers
- Cognitec
- Daon
- Goode Intelligence Interview with Daon
- FaceTec
- FacePhi
- Face++
- IDEMIA
- ID R&D
- IProov
- Goode Intelligence Interview with iProov
- Paravision
- Thales
- Advantages and Disadvantages of Face Biometrics
Fingerprint
- Introduction
- Forecasts
- Biometric Payment User Forecasts - Fingerprint
- Biometric Payment Revenue Forecasts - Fingerprint
- Technology Vendors and Service Providers -Fingerprint Sensor Manufacturers and Authentication Integrators
- Dermalog
- Fingerprint Cards
- IDEX Biometrics
- Goode Intelligence Interview with IDEX Biometrics
- Limidigm - HID Global
- NEXT Biometrics
- Goode Intelligence Interview with NEXT Biometrics
- Precise Biometrics
- Qualcomm
- Zwipe
- Advantages and Disadvantages of Fingerprint Biometrics (Sensors)
Voice
- Introduction
- Forecasts
- Biometric Payment User Forecasts - Voice
- Biometric Payment Revenue Forecasts - Voice
- Providers
- Nice
- Nuance
- Lumenvox
- Phonexia
- Advantages and Disadvantages of Voice Biometrics
Finger Vein
- Introduction
- Forecasts
- Biometric Payment Forecasts - Finger-Vein Sensor Shipments
- Biometric Payment Revenue Forecasts - Finger-Vein
- Technology Vendors and Service Providers
- Advantages and Disadvantages of Finger-Vein Biometrics
Palm-Vein
- Introduction
- Forecasts
- Biometric Payment Forecasts - By Modality: Palm-Vein Sensor Shipments
- Biometric Payment Revenue Forecasts - By Biometric Modalitry: Palm-Vein
- Technology Vendors and Service Providers
- Advantages and Disadvantages of Palm-Vein Biometrics
Palmprint
- Introduction
- Forecasts
- Biometric Payment Forecasts - By Modality: Palmprint
- Biometric Payment Revenue Forecasts - By Biometric Modality: Palmprint
- Redrock Biometrics
- Advantages and Disadvantages of Palmprint Biometrics
Forecasts
- Methodology and Assumptions
- Biometric Payments Forecasts
- Introduction
- Biometric Payments User Forecasts - By Payment Process
- Biometric Payments User Forecasts - Digital Onboarding
- Biometric Payments User Forecasts - Payment Transactions
- Biometric Payments User Forecasts - Digital Transaction Users
- Biometric Payments User Forecasts - Physical Transaction Users
- Biometric Payment User Forecasts - Mobile Wallet Users at the Point-Of-Sale
- Biometric Payment User Forecasts - Biometric Payment Card Users
- Biometric Payment User Forecasts - Integrated POS Users
- Biometric Payment User Forecasts - Total Physical Users
- Biometric Payments User Forecasts - Biometric Fraud Management
- Biometric Payments User Forecasts - Total (Combined) Users
- Biometric Payments Forecasts - By Biometric Modality
- Biometric Payments Forecasts - by Modality: Fingerprint
- Biometric Payments Forecasts - by Modality: Voice
- Biometric Payment Forecasts - by Modality: Face
- Biometric Payments Forecasts - by Modality: Behavioral
- Biometric Payments Forecasts - by Modality: Finger-Vein sensor Shipments
- Biometric Payments Forecasts - by Modality: Palm-Vein sensor Shipments
- Biometric Payments Forecasts - by Modality: Palmprint
- Biometric Payments Forecasts - By Device
- Biometric Payments Forecasts - by Device: POS Terminals
- Biometric Payments Forecasts - by Device: Automotive
- Biometric Payment Transactions
- Biometric Payment Digital Onboarding Transactions
- Biometric Payment Physical Transactions: By Integrated POS
- Biometric Payment Physical Transactions: By Automotive
- Biometric Payment Fraud Management Transactions
- Total Biometric Payment Transactions
- Biometric Payments Revenue Forecasts
- Assumptions on revenue forecasts
- Biometric Payments Revenue Forecasts - by Payment Process: Biometric Digital Onboarding (IDV)
- Biometric Payments Revenue Forecasts - by Payment Process: Biometric Digital Transactions
- Biometric Payments Revenue Forecasts - by Payment Process: Biometric Fraud Management
- Biometric Payments Revenue Forecasts - by Biometric Modality: Fingerprint
- Biometric Payments Revenue Forecasts - by Biometric Modality: Voice
- Biometric Payments Revenue Forecasts - by Biometric Modality: Behavioral
- Biometric Payments Revenue Forecasts - by Biometric Modality: Finger-Vein
- Biometric Payments Revenue Forecasts - by Biometric Modality: Palm-Vein
- Biometric Payments Revenue Forecasts - by Biometric Modality: Palmprint
- Biometric Payments Revenue Forecasts - by Biometric Modality: Face
- Biometric Payments Revenue Forecasts - By Device: Biometric Payments Cards
- Biometric Payments Revenue Forecasts - By Device: Integrated POS Terminals
- Biometric Payments Revenue Forecasts - by Device: Automotive
- Biometric Payments Revenue Forecasts - Total (Combined) Revenue
