한글목차

세계 ATM 소프트웨어 시장의 미래는 온프레미스 시장과 클라우드 시장에서 기회가 있을 것으로 보입니다. 세계 ATM 소프트웨어 시장은 2025-2031년까지 12.2%의 연평균 성장률을 보일 것으로 예상됩니다. 이 시장의 주요 촉진요인은 안전하고 효율적인 ATM 트랜잭션 시스템에 대한 수요 증가, 비용 효율성을 추구하는 클라우드 기반 ATM 소프트웨어의 채택 증가, 신흥 시장에서 ATM 네트워크 확장을 촉진하는 금융 포용성 확대입니다.

• Lucintel의 예측에 따르면, 유형별로는 사이버 위협과 사기 방지 요구의 증가로 인해 ATM 보안이 예측 기간 동안 높은 성장세를 보일 것으로 예상됩니다.
• 용도별로는 확장성, 비용 효율성, 원격 관리의 장점으로 인해 클라우드가 가장 높은 성장이 예상됩니다.
• 지역별로는 아시아태평양이 ATM 설치 증가와 금융의 디지털화로 인해 예측 기간 동안 가장 높은 성장세를 보일 것으로 예상됩니다.

ATM 소프트웨어 시장의 새로운 동향

현재 ATM 소프트웨어 산업은 기술 발전과 보안 문제에 대한 고객 감정의 변화로 인해 큰 전환기를 맞이하고 있습니다. 새로운 트렌드에는 클라우드 기반 솔루션, AI 통합, 우수한 보안 조치 등이 포함되며, ATM을 스마트하고 안전하며 효율적인 금융 터치포인트로 만들어 전 세계의 다음 세대를 지원하고 있습니다.

• AI와 머신러닝 : 은행들은 현재 AI 기반 소프트웨어를 활용하여 부정행위 탐지, 현금 수요 예측, 고객 응대 맞춤화 개선에 활용하고 있습니다. 머신러닝 알고리즘은 비정상적인 거래 패턴을 식별하고, 부정행위를 줄이며, 효율적인 사용자에 대한 자금 접근을 기록하는 데 도움을 줍니다.
• 클라우드 기반 ATM 소프트웨어 : 금융기관은 클라우드 기반 애플리케이션을 채택하여 ATM 기능의 실시간 모니터링, 원격 소프트웨어 업데이트, 예측 분석에 활용하고 있습니다. 클라우드 기술은 업무 효율성을 높이고, 다운타임을 줄이며, ATM 네트워크에 확장 가능한 인프라를 제공합니다.
• 비접촉-생체인증 거래 : 지문인식, 안면인식 등 생체인증 채택으로 보안과 거래 속도가 향상되고 있으며, NFC 지원 인출을 포함한 비접촉식 결제가 확산되면서 물리적 접촉이 줄어들어 사용자의 편의성이 향상되고 있습니다.
• 사이버 보안 대책 강화 : 사이버 위협이 증가함에 따라 ATM 소프트웨어는 다단계 인증, 엔드투엔드 암호화, AI 기반 보안 프로토콜을 내장하고 있습니다. 이러한 조치를 통해 민감한 고객 데이터를 보호하고 무단 액세스를 방지할 수 있습니다.
• ATM 소프트웨어와 디지털 뱅킹의 통합 : ATM 소프트웨어는 원활한 디지털 경험을 제공하기 위해 은행에서 모바일 뱅킹 앱 및 오픈 뱅킹 플랫폼과 통합되어 있습니다. 고객은 은행 앱을 통해 인출을 시작하고, 거래 한도를 설정하고, 알림을 받을 수 있습니다.

ATM 소프트웨어 시장의 새로운 트렌드는 ATM 소프트웨어 시장의 변화를 위해 보안, 효율성, 고객과의 적절한 상호 작용을 가져오고 있으며, AI, 클라우드 기술, 생체인식의 통합은 미래에 더욱 스마트한 커넥티드 ATM 네트워크를 형성할 것입니다.

ATM 소프트웨어 시장의 최근 동향

ATM 소프트웨어 시장은 보안, 디지털 통합, 운영 효율성과 관련하여 상당한 진전을 보이고 있습니다. 주요 발전에는 AI를 통한 사기 탐지, 클라우드 기반 솔루션, 생체인식 등이 포함됩니다. 이러한 혁신은 ATM 네트워크의 신뢰성과 보안을 강화하는 동시에 고객 경험과 규제 준수를 개선합니다.

• AI를 통한 부정행위 탐지 : 은행들은 AI 기반 소프트웨어를 도입하여 거래 패턴을 분석하고 의심스러운 행위를 탐지하고 있습니다. 이러한 사전 예방적 접근 방식을 통해 부정행위의 위험을 줄이고 보안을 강화할 수 있습니다.
• 클라우드 기반 ATM 관리 : 은행들은 현재 ATM의 실시간 모니터링, 원격 업데이트, 예지보전을 위한 클라우드 기반 솔루션을 도입하고 있습니다. 이를 통해 다운타임을 최소화하고 서비스 효율성을 높일 수 있습니다.
• 생체인식 통합 : 현재 ATM은 지문 스캔이나 얼굴 인식과 같은 생체인식 보안 기능과 통합되고 있습니다. 이를 통해 거래의 보안을 강화하고 부정한 접근을 최소화할 수 있습니다.
• IoT 지원 ATM 소프트웨어 : ATM 소프트웨어에 IoT 기술을 통합하여 실시간 진단 및 예지보전에 도움을 주고, ATM의 원활한 기능을 보장하면서 운영 비용을 최소화할 수 있습니다.
• 규제 준수 기능 강화 : ATM 소프트웨어는 자동 컴플라이언스 점검 및 데이터 암호화 등 엄격한 규제 준수 필요성을 고려한 업그레이드된 기능을 갖추고 있습니다.

보안 강화, 운영 비용 효율성, 고객 편의성, AI, IoT, 클라우드 기반 솔루션은 강력하고 효율적인 ATM 생태계를 형성하여 ATM 소프트웨어 시장을 강화하는 주요 요인으로 작용하고 있습니다.

목차

제1장 주요 요약

제2장 세계의 ATM 소프트웨어 시장 : 시장 역학

• 소개, 배경, 분류
• 공급망
• 산업 성장 촉진요인과 과제

제3장 2019-2031년까지 시장 동향과 예측 분석

• 거시경제 동향(2019-2024년)과 예측(2025-2031년)
• 세계의 ATM 소프트웨어 시장 동향(2019-2024년)과 예측(2025-2031년)
• 세계의 ATM 소프트웨어 시장(유형별)
  • 유지보수 소프트웨어
  • ATM 보안
  • 기타
• 세계의 ATM 소프트웨어 시장(용도별)
  • 온프레미스
  • 클라우드

제4장 2019-2031년까지 지역별 시장 동향과 예측 분석

• 지역의 ATM 소프트웨어 시장
• 북미의 ATM 소프트웨어 시장
• 유럽의 ATM 소프트웨어 시장
• 아시아태평양의 ATM 소프트웨어 시장
• 기타 지역의 ATM 소프트웨어 시장

제5장 경쟁 분석

• 제품 포트폴리오 분석
• 운영 통합
• Porter's Five Forces 분석

제6장 성장 기회와 전략 분석

• 성장 기회 분석
  • 세계의 ATM 소프트웨어 시장의 유형별 성장 기회
  • 세계의 ATM 소프트웨어 시장의 용도별 성장 기회
  • 지역별 ATM 소프트웨어 시장 성장 기회
• 세계의 ATM 소프트웨어 시장의 최신 동향
• 전략 분석
  • 신제품 개발
  • 세계의 ATM 소프트웨어 시장 능력 확대
  • 세계의 ATM 소프트웨어 시장 합병, 인수, 합작투자
  • 인증과 라이선싱

제7장 주요 기업 개요

• Diebold Nixdorf
• IBM
• NCR Corporation
• Sensory
• Radcom

영문목차

The future of the global atm software market looks promising with opportunities in the on-premise, and cloud markets. The global atm software market is expected to grow with a CAGR of 12.2% from 2025 to 2031. The major drivers for this market are rising demand for secure and efficient atm transaction systems, increasing adoption of cloud-based atm software for cost efficiency, and growing financial inclusion driving atm network expansion in emerging markets.

• Lucintel forecasts that, within the type category, atm security is expected to witness higher growth over the forecast period due to increasing cyber threats and fraud prevention needs.
• Within the application category, cloud is expected to witness the highest growth due to scalability, cost efficiency, and remote management benefits.
• In terms of region, APAC is expected to witness the highest growth over the forecast period due to increasing atm installations and financial digitization.

Emerging Trends in the ATM Software Market

Presently, the ATM software industry is in a period of massive shift courtesy to advances in technology and changing customer sentiments on issues of security. The new trends include cloud-based solutions, AI integration, and superior security measures that shape ATMs to become smart, safer, and more efficient financial touchpoints for the next generation worldwide.

• AI and Machine Learning: Banks now utilize AI-based software that helps improve fraud detection, forecasting cash demand, and customization of customer interactions. Machine learning algorithms identify unusual transaction patterns, mitigating fraudulent activities and providing efficient users with access to money.
• Cloud-Based ATM Software: The financial institutes are adopting cloud-based applications that help real-time monitoring, remote software updates, and predict analysis of ATM functionality. Cloud technology enhances operational efficiency, reduces downtime, and provides a scalable infrastructure for ATM networks.
• Contactless and Biometric Transactions: The adoption of biometric authentication, such as fingerprint and facial recognition, is improving security and transaction speed. Contactless payments, including NFC-enabled withdrawals, are becoming more prevalent, reducing physical interactions and enhancing user convenience.
• Enhanced Cybersecurity Measures: With rising cyber threats, ATM software is incorporating multi-factor authentication, end-to-end encryption, and AI-driven security protocols. These measures protect sensitive customer data and prevent unauthorized access.
• ATM Software Integration with Digital Banking: ATM software is being integrated with mobile banking apps and open banking platforms by banks to provide seamless digital experiences. Customers can initiate withdrawals, set transaction limits, and receive alerts through their banking apps.

Emerging Trends in the ATM software market are bringing security, efficiency, and a suitable interaction of customer for transformation in the Atm software market. Integration of AI, cloud technology, and biometric authentication is shaping a smarter connected ATM network in the future.

Recent Developments in the ATM Software Market

The ATM software market is witnessing significant advancements related to security, digital integration, and operational efficiency. Key developments include AI-driven fraud detection, cloud-based solutions, and biometric authentication. These innovations enhance the reliability and security of ATM networks while improving customer experience and regulatory compliance.

• AI-Driven Fraud Detection: Banks are implementing AI-based software to analyze the pattern of transactions and detect suspicious activities. This proactive approach reduces fraud risks and enhances security measures.
• Cloud-Based ATM Management: Banks are now implementing cloud-based solutions for real-time monitoring of ATMs, remote updates, and predictive maintenance. This development minimizes downtime and enhances service efficiency.
• Biometric Authentication Integration: Nowadays, ATMs are integrating with biometric security features like fingerprint scanning and facial recognition. It enhances the security of transactions and minimizes unauthorized access.
• IoT-Enabled ATM Software: The integration of IoT technology into ATM software helps in real-time diagnostics and predictive maintenance, minimizing operational costs while ensuring smooth ATM functionality.
• Enhanced Regulatory Compliance Features: The ATM software is emerging with upgraded features that also incorporate the probable need for strict regulatory compliance features, such as automated compliance checks and data encryption to ensure security and legal adherence.

These are the prime factors to strengthen the ATM software market by enhanced security, cost-effectiveness in operations, and convenience for customers. AI, IoT, and cloud-based solutions are shaping a robust and efficient ATM ecosystem.

Strategic Growth Opportunities in the ATM Software Market

The ATM software market holds a huge growth opportunity across applications, including integration with digital banking, security upgrades, and cloud-based solutions. This would enable banks to become more operationally efficient, improve customer experience, and remain compliant with the requirements of regulations.

• Digital Banking Integration: Banks are linking ATM software with mobile and internet banking platforms to provide seamless user experiences. Customers can manage transactions, set withdrawal limits, and receive alerts through their digital banking apps.
• AI-Driven Transaction Optimization: AI-powered software is enhancing ATM performance by predicting cash demand, optimizing cash replenishment schedules, and reducing operational costs. This ensures uninterrupted service and improved cash flow management.
• Cloud-Based ATM Solutions: Cloud computing is enabling banks to remotely manage ATM networks, perform software updates, and conduct real-time monitoring. This improves security and cuts down on maintenance costs.
• Biometric Security Improvements: Increased use of fingerprint, facial recognition, and iris scanning in ATM software is enhancing transaction security and user authentication and reducing fraud risks.
• Self-Service Banking Expansion: Financial institutions are investing in software that enhances their self-service capabilities, enabling users to conduct advanced transactions like loan applications or bill payments directly at the ATMs.

These strategic growth opportunities are transforming ATM software into a more efficient and efficient customer-centric solution that is more secure. Digital banking integration, AI, and cloud technology are driving the evolution of the ATM market by improving service quality as well as operational performance.

ATM Software Market Driver and Challenges

The ATM software market is impacted by a set of technological, economic, and regulatory factors. The key drivers are digital transformation, enhanced security measures, and financial inclusion. Challenges include cybersecurity threats, regulatory complexities, and high operational costs. Understanding these factors is essential for financial institutions to navigate the evolving ATM landscape.

The factors responsible for driving the atm software market include:

1. Digital Transformation: the growth in mobile and online banking is fueling the need to have the development of high technology ATM software application that should provide seamless integration capabilities.

2. Security Measurements: Increasing the cyber threat factors are making more banks invest software with AI-led fraud detection mechanism, encryption processes, and more multi-factor authentications.

3. Expansion of ATM with Financial Inclusions: the move by the financial institutions to broaden the ATM reaches through multilanguage-enabled digital payment-based applications.

4. Cloud and AI Adoption: Cloud computing and AI-driven analytics empower real-time monitoring, predictive maintenance, and effective cash management.

Challenges in the atm software market are:

1. Cybersecurity Threats: Increasing cyber-attacks pose risks to ATM networks, requiring constant software updates and enhanced security measures.

2. Regulatory Compliance Complexity: Stringent financial regulations demand continuous software upgrades to ensure compliance, adding to operational costs.

3. High Operational and Maintenance Costs: Maintaining secure and efficient ATM software requires significant investment, impacting smaller financial institutions.

While key drivers are fueling innovation and efficiency in ATM software, challenges such as cybersecurity risks and regulatory constraints require proactive strategies. Financial institutions must invest in advanced technology to ensure secure, efficient, and customer-friendly ATM services.

List of ATM Software Companies

Companies in the market compete on the basis of product quality offered. Major players in this market focus on expanding their manufacturing facilities, R&D investments, infrastructural development, and leverage integration opportunities across the value chain. With these strategies atm software companies cater increasing demand, ensure competitive effectiveness, develop innovative products & technologies, reduce production costs, and expand their customer base. Some of the atm software companies profiled in this report include-

• Diebold Nixdorf
• IBM
• NCR Corporation
• Sensory
• Radcom

ATM Software Market by Segment

The study includes a forecast for the global atm software market by type, application, and region.

ATM Software Market by Type [Value from 2019 to 2031]:

• Maintenance Software
• ATM Security
• Others

ATM Software Market by Application [Value from 2019 to 2031]:

• On-Premise
• Cloud

ATM Software Market by Region [Value from 2019 to 2031]:

• North America
• Europe
• Asia Pacific
• The Rest of the World

Country Wise Outlook for the ATM Software Market

The ATM software market is witnessing rapid development due to digital transformation, security concerns, and regulatory changes. Key markets like the United States, China, Germany, India, and Japan are witnessing innovations in cloud-based solutions, AI integration, and enhanced security features. These developments are shaping the future of ATMs, making them more efficient, secure, and user-friendly.

• United States: The focus areas for the ATM software in the United States are advanced security features, contactless transactions, and AI-driven customer experiences. Banks are upgrading software to provide biometric authentication and real-time fraud detection. Cloud-based ATM management systems improve operational efficiency by reducing downtime and enhancing compliance with the regulatory requirements in place.
• China: AI-powered software is rapidly integrating China's growing ATM capabilities while enhancing mobile payments. The momentum in digital banks leads to inventions of remote operation and QR-code-based transactions by ATMs. Cash forecasting in cash machines as well as optimizations in ATM network enhance customer care with the assistance of advanced analytics.
• Germany: Cybersecurity and compliance with regulations for ATM software will prevail in Germany. Software will be implemented that is characterized by end-to-end encryption, AI-driven fraud protection, and multi-factor authentication. Open banking initiatives will further compel financial institutions to integrate these platforms with digital banking platforms, ensuring seamless user experiences.
• India: The Indian ATM software market is changing, focusing on financial inclusion and digital transactions. Banks are implementing software that enables UPI-based withdrawals, biometric authentication, and real-time monitoring. Enhanced security features, including AI-driven fraud detection, are becoming standard to reduce transaction risks.
• Japan: AI and IoT in ATM software in Japan have increased transaction speed and security. Biometric authentication, voice recognition, and contactless transactions are now common. Predictive maintenance, through software, has helped reduce downtime for ATM banks, thereby ensuring efficient functioning.

Features of the Global ATM Software Market

Market Size Estimates: ATM software market size estimation in terms of value ($B).

Trend and Forecast Analysis: Market trends (2019 to 2024) and forecast (2025 to 2031) by various segments and regions.

Segmentation Analysis: ATM software market size by type, application, and region in terms of value ($B).

Regional Analysis: ATM software market breakdown by North America, Europe, Asia Pacific, and Rest of the World.

Growth Opportunities: Analysis of growth opportunities in different type, application, and regions for the atm software market.

Strategic Analysis: This includes M&A, new product development, and competitive landscape of the atm software market.

Analysis of competitive intensity of the industry based on Porter's Five Forces model.

This report answers following 11 key questions:

• Q.1. What are some of the most promising, high-growth opportunities for the atm software market by type (maintenance software, atm security, and others), application (on-premise and cloud), and region (North America, Europe, Asia Pacific, and the Rest of the World)?
• Q.2. Which segments will grow at a faster pace and why?
• Q.3. Which region will grow at a faster pace and why?
• Q.4. What are the key factors affecting market dynamics? What are the key challenges and business risks in this market?
• Q.5. What are the business risks and competitive threats in this market?
• Q.6. What are the emerging trends in this market and the reasons behind them?
• Q.7. What are some of the changing demands of customers in the market?
• Q.8. What are the new developments in the market? Which companies are leading these developments?
• Q.9. Who are the major players in this market? What strategic initiatives are key players pursuing for business growth?
• Q.10. What are some of the competing products in this market and how big of a threat do they pose for loss of market share by material or product substitution?
• Q.11. What M&A activity has occurred in the last 5 years and what has its impact been on the industry?

Table of Contents

1. Executive Summary

2. Global ATM Software Market : Market Dynamics

• 2.1: Introduction, Background, and Classifications
• 2.2: Supply Chain
• 2.3: Industry Drivers and Challenges

3. Market Trends and Forecast Analysis from 2019 to 2031

• 3.1. Macroeconomic Trends (2019-2024) and Forecast (2025-2031)
• 3.2. Global ATM Software Market Trends (2019-2024) and Forecast (2025-2031)
• 3.3: Global ATM Software Market by Type
  • 3.3.1: Maintenance Software
  • 3.3.2: ATM Security
  • 3.3.3: Others
• 3.4: Global ATM Software Market by Application
  • 3.4.1: On-Premise
  • 3.4.2: Cloud

4. Market Trends and Forecast Analysis by Region from 2019 to 2031

• 4.1: Global ATM Software Market by Region
• 4.2: North American ATM Software Market
  • 4.2.1: North American Market by Type: Maintenance Software, ATM Security, and Others
  • 4.2.2: North American Market by Application: On-Premise and Cloud
• 4.3: European ATM Software Market
  • 4.3.1: European Market by Type: Maintenance Software, ATM Security, and Others
  • 4.3.2: European Market by Application: On-Premise and Cloud
• 4.4: APAC ATM Software Market
  • 4.4.1: APAC Market by Type: Maintenance Software, ATM Security, and Others
  • 4.4.2: APAC Market by Application: On-Premise and Cloud
• 4.5: ROW ATM Software Market
  • 4.5.1: ROW Market by Type: Maintenance Software, ATM Security, and Others
  • 4.5.2: ROW Market by Application: On-Premise and Cloud

5. Competitor Analysis

• 5.1: Product Portfolio Analysis
• 5.2: Operational Integration
• 5.3: Porter's Five Forces Analysis

6. Growth Opportunities and Strategic Analysis

• 6.1: Growth Opportunity Analysis
  • 6.1.1: Growth Opportunities for the Global ATM Software Market by Type
  • 6.1.2: Growth Opportunities for the Global ATM Software Market by Application
  • 6.1.3: Growth Opportunities for the Global ATM Software Market by Region
• 6.2: Emerging Trends in the Global ATM Software Market
• 6.3: Strategic Analysis
  • 6.3.1: New Product Development
  • 6.3.2: Capacity Expansion of the Global ATM Software Market
  • 6.3.3: Mergers, Acquisitions, and Joint Ventures in the Global ATM Software Market
  • 6.3.4: Certification and Licensing

7. Company Profiles of Leading Players

• 7.1: Diebold Nixdorf
• 7.2: IBM
• 7.3: NCR Corporation
• 7.4: Sensory
• 7.5: Radcom