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세계의 온라인 결제 사기 탐지 시장 보고서(2025년)
Online Payment Fraud Detection Global Market Report 2025
상품코드 : 1823038
리서치사 : The Business Research Company
발행일 : On Demand Report
페이지 정보 : 영문 250 Pages
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한글목차

온라인 결제 사기 탐지 시장 규모는 향후 수년간 급성장할 것으로 전망됩니다. 2029년에는 CAGR 16.4%를 나타내 205억 2,000만 달러로 성장할 전망입니다. 예측 기간 동안 성장이 예상되는 배경으로는 사기 탐지에서 AI와 머신러닝의 통합 증가, 디지털 결제에서 생체 인증 채택 확대, 실시간 사기 분석 솔루션 수요 증가, 디지털 월렛 및 비접촉 결제 수단 확대, 결제 보안 규정 준수에 대한 규제 강화 등이 있습니다. 예측 기간 동안 예상되는 주요 동향으로는 AI 기반의 사기 탐지 시스템 개발, 실시간 거래 모니터링 도구 개발, 생체인증 기술 혁신, 사기 방지를 위한 예측 분석 진행, 클라우드 기반 사기 탐지 플랫폼의 출현 등이 있습니다.

디지털 결제의 급성장은 온라인 결제 사기 탐지 시장 확대를 이끌 것으로 예측됩니다. 디지털 결제에서는 모바일 월렛, 온라인 뱅킹, 비접촉형 카드 등의 전자적 수단을 이용하여 금융거래를 합니다. 이러한 디지털 결제의 채용의 급증은 스마트폰이나 인터넷 이용 증가에 의한 것이 크고, 사용자는 편리하고 신속한 거래를 세계에서 즉각적으로 실시할 수 있습니다. 온라인 결제 사기 탐지는 AI와 애널리틱스를 활용하여 의심스러운 행위를 실시간으로 검지·방지함으로써 이러한 거래의 안전성을 확보하고 신뢰를 높이고 금전적 손실을 최소화하고 안전하고 컴플라이언스에 준거한 결제 체험을 확보하는데 중요한 역할을 하고 있습니다. 예를 들어 유럽연합(EU) 회원국의 중앙은행인 유럽중앙은행은 2024년 1월 2023년 상반기 비접촉형 카드 결제 건수가 전년 동기의 209억 건에서 24.3% 증가했다고 보고했습니다. 이러한 거래의 총액도 25.9% 증가한 5,000억 유로(5,452억 7,000만 달러)에 달했습니다. 따라서 디지털 결제의 급속한 확대는 온라인 결제 사기 탐지 시장 성장을 가속하고 있습니다.

온라인 결제 사기 탐지 시장의 기업들은 첨단 사이버 위협으로부터 금융 기관을 사전 능동적으로 방어하기 위해 머신러닝 기반의 사기 탐지 도구와 같은 첨단 기술에 점점 더 집중하고 있습니다. 이러한 도구는 머신러닝을 사용하여 거래 패턴을 분석하고, 이상을 식별하고, 새로운 위협에 적응함으로써 시간이 지남에 따라 정확성을 향상시킵니다. 예를 들어, 클라우드 기반 결제 솔루션을 제공하는 영국 Checkout.com은 2022년 10월 머신러닝과 세계 거래 데이터 네트워크를 활용한 고도로 커스터마이징 가능한 사기 방지 플랫폼 'Fraud Detection Pro'를 발표했습니다. 전 세계적으로 수십억 건의 거래를 처리하고, 가맹점은 고급 규칙과 의사결정 시스템을 사용하여 맞춤형 사기 방지 전략을 만들 수 있습니다. 이 도구는 정규 사용자의 부드러운 사용을 유지하면서 사기 행위를 효과적으로 차단합니다. 봇 공격이나 합성 ID 등 변화하는 사기의 수법에 신속하게 대응할 수 있도록 설계되어 있어 세계 기업이 온라인 결제 사기로 인한 금전적 손실을 삭감할 수 있도록 지원하고 있습니다.

목차

제1장 주요 요약

제2장 시장 특징

제3장 시장 동향과 전략

제4장 시장 : 금리, 인플레이션, 지정학, 무역전쟁과 관세, 그리고 코로나 및 회복이 시장에 미치는 영향을 포함한 거시경제 시나리오

제5장 세계의 성장 분석과 전략 분석 프레임워크

제6장 시장 세분화

제7장 지역별/국가별 분석

제8장 아시아태평양 시장

제9장 중국 시장

제10장 인도 시장

제11장 일본 시장

제12장 호주 시장

제13장 인도네시아 시장

제14장 한국 시장

제15장 서유럽 시장

제16장 영국 시장

제17장 독일 시장

제18장 프랑스 시장

제19장 이탈리아 시장

제20장 스페인 시장

제21장 동유럽 시장

제22장 러시아 시장

제23장 북미 시장

제24장 미국 시장

제25장 캐나다 시장

제26장 남미 시장

제27장 브라질 시장

제28장 중동 시장

제29장 아프리카 시장

제30장 경쟁 구도와 기업 프로파일

제31장 기타 주요 기업 및 혁신 기업

제32장 세계 시장 경쟁 벤치마킹과 대시보드

제33장 주요 인수합병(M&A)

제34장 최근 시장 동향

제35장 시장의 잠재력이 높은 국가, 부문, 전략

제36장 부록

KTH
영문 목차

영문목차

Online payment fraud detection is the process of identifying and preventing unauthorized or suspicious transactions conducted online. It employs technologies such as machine learning, rule-based systems, behavioral analytics, and real-time monitoring to detect fraudulent activities such as identity theft, account takeovers, and the use of stolen credit card information. This detection process safeguards both businesses and consumers by flagging potentially fraudulent payments before they are completed.

The main components of online payment fraud detection include software and services. Software solutions leverage artificial intelligence (AI), machine learning, and analytics to monitor transactions in real time and flag suspicious activities. These solutions are delivered through various deployment modes, including on-premises and cloud, and cover different fraud types such as identity theft, account takeover, card-not-present fraud, and transaction laundering. They are used by organizations of all sizes, from small and medium enterprises to large enterprises, across key verticals such as banking, financial services, and insurance (BFSI), information technology (IT) and telecommunications, government, real estate and construction, energy and utilities, and others.

Note that the outlook for this market is being affected by rapid changes in trade relations and tariffs globally. The report will be updated prior to delivery to reflect the latest status, including revised forecasts and quantified impact analysis. The report's Recommendations and Conclusions sections will be updated to give strategies for entities dealing with the fast-moving international environment.

The rapid escalation of U.S. tariffs and the resulting trade tensions in spring 2025 are significantly impacting the financial sector, particularly in investment strategies and risk management. Heightened tariffs have fueled market volatility, prompting cautious behavior among institutional investors and increasing demand for hedging instruments. Banks and asset managers are facing higher costs associated with cross-border transactions, as tariffs disrupt global supply chains and dampen corporate earnings, key drivers of equity market performance. Insurance companies, meanwhile, are grappling with increased claims risks tied to supply chain disruptions and trade-related business losses. Additionally, reduced consumer spending and weakened export demand are constraining credit growth and investment appetite. The sector must now prioritize diversification, digital transformation, and robust scenario planning to navigate the heightened economic uncertainty and protect profitability.

The online payment fraud detection market research report is one of a series of new reports from The Business Research Company that provides online payment fraud detection market statistics, including the online payment fraud detection industry global market size, regional shares, competitors with the online payment fraud detection market share, detailed online payment fraud detection market segments, market trends, and opportunities, and any further data you may need to thrive in the online payment fraud detection industry. This online payment fraud detection market research report delivers a complete perspective of everything you need, with an in-depth analysis of the current and future scenarios of the industry.

The online payment fraud detection market size has grown rapidly in recent years. It will grow from $9.56 billion in 2024 to $11.16 billion in 2025 at a compound annual growth rate (CAGR) of 16.8%. The growth during the historic period can be attributed to the increasing reliance on legacy fraud detection systems with limited adaptability, the rising complexity of manual transaction monitoring processes, escalating costs associated with chargebacks and fraud-related losses, growing merchant adoption of early fraud warning systems, and heightened government focus on securing digital payment infrastructure.

The online payment fraud detection market size is expected to see rapid growth in the next few years. It will grow to $20.52 billion in 2029 at a compound annual growth rate (CAGR) of 16.4%. The expected growth in the forecast period is driven by the rising integration of AI and machine learning in fraud detection, increased adoption of biometric authentication in digital payments, growing demand for real-time fraud analytics solutions, expansion of digital wallets and contactless payment methods, and stronger regulatory enforcement on payment security compliance. Key trends anticipated in the forecast period include advancements in AI-based fraud detection systems, development of real-time transaction monitoring tools, innovations in biometric authentication techniques, progress in predictive analytics for fraud prevention, and the emergence of cloud-based fraud detection platforms.

The rapid growth of digital payments is expected to drive the expansion of the online payment fraud detection market. Digital payments involve the use of electronic methods such as mobile wallets, online banking, and contactless cards to conduct financial transactions. This surge in digital payment adoption is largely fueled by increased smartphone and internet usage, allowing users to perform instant transactions worldwide with convenience and speed. Online payment fraud detection plays a critical role in securing these transactions by leveraging AI and analytics to detect and prevent suspicious activity in real time, thereby enhancing trust, minimizing financial losses, and ensuring secure, compliant payment experiences. For instance, in January 2024, the European Central Bank, the central bank for the European Union countries, reported a 24.3% increase in contactless card payments during the first half of 2023, rising from 20.9 billion in the same period of 2022. The total value of these transactions also grew by 25.9% to €0.5 trillion ($545.27 billion). Thus, the rapid expansion of digital payments is fueling growth in the online payment fraud detection market.

Companies in the online payment fraud detection market are increasingly focused on advanced technologies such as machine-learning-based fraud detection tools to help financial institutions proactively defend against sophisticated cyber threats. These tools use machine learning to analyze transaction patterns, identify anomalies, and adapt to emerging threats, thereby improving accuracy over time. For example, in October 2022, Checkout.com, a UK-based provider of cloud-based payment solutions, introduced Fraud Detection Pro-an advanced, customizable fraud prevention platform powered by machine learning and a global transaction data network. It processes billions of transactions worldwide, enabling merchants to create tailored fraud prevention strategies using advanced rules and decision-making systems. This tool effectively blocks fraudulent activity while maintaining a smooth experience for legitimate users. It is designed to quickly adapt to changing fraud tactics, including bot attacks and synthetic identities, helping businesses around the world reduce financial losses from online payment fraud.

In April 2025, Experian Plc, a credit reporting firm based in Ireland, acquired ClearSale SA for $350 million. The acquisition is intended to enhance Experian's fraud prevention and data security offerings in Brazil by integrating ClearSale into its existing Brazilian business, Serasa Experian. ClearSale SA is a Brazil-based company that specializes in digital fraud prevention solutions.

Major players in the online payment fraud detection market are International Business Machines Corporation, Visa Inc., DXC Technology Company, Experian plc, SAS Institute Inc., LexisNexis Risk Solutions Inc., NICE Ltd., Worldpay Inc., ACI Worldwide Inc., Fair Isaac Corporation, Forter Ltd., RSA Security LLC, Riskified Ltd., CyberSource Corporation, Sift Science Inc., Kount Inc., Gurucul Inc., FRISS Fraud Detection Software B.V., MaxMind Inc., DataVisor Inc., Cleafy S.r.l.

North America was the largest region in the online payment fraud detection market in 2024. Asia-Pacific is expected to be the fastest-growing region in the forecast period. The regions covered in online payment fraud detection report are Asia-Pacific, Western Europe, Eastern Europe, North America, South America, Middle East and Africa.

The countries covered in the online payment fraud detection market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Russia, South Korea, UK, USA, Canada, Italy, Spain.

The online payment fraud detection market includes of revenues earned by entities by providing services such as real-time transaction monitoring, Artificial Intelligence (AI)-based fraud analytics, behavioral biometrics, identity verification, and risk scoring and management. The market value includes the value of related goods sold by the service provider or included within the service offering. Only goods and services traded between entities or sold to end consumers are included.

The market value is defined as the revenues that enterprises gain from the sale of goods and/or services within the specified market and geography through sales, grants, or donations in terms of the currency (in USD unless otherwise specified).

The revenues for a specified geography are consumption values that are revenues generated by organizations in the specified geography within the market, irrespective of where they are produced. It does not include revenues from resales along the supply chain, either further along the supply chain or as part of other products.

Online Payment Fraud Detection Global Market Report 2025 from The Business Research Company provides strategists, marketers and senior management with the critical information they need to assess the market.

This report focuses on online payment fraud detection market which is experiencing strong growth. The report gives a guide to the trends which will be shaping the market over the next ten years and beyond.

Reasons to Purchase

Where is the largest and fastest growing market for online payment fraud detection ? How does the market relate to the overall economy, demography and other similar markets? What forces will shape the market going forward, including technological disruption, regulatory shifts, and changing consumer preferences? The online payment fraud detection market global report from the Business Research Company answers all these questions and many more.

The report covers market characteristics, size and growth, segmentation, regional and country breakdowns, competitive landscape, market shares, trends and strategies for this market. It traces the market's historic and forecast market growth by geography.

The forecasts are made after considering the major factors currently impacting the market. These include the technological advancements such as AI and automation, Russia-Ukraine war, trade tariffs (government-imposed import/export duties), elevated inflation and interest rates.

Scope

Table of Contents

1. Executive Summary

2. Online Payment Fraud Detection Market Characteristics

3. Online Payment Fraud Detection Market Trends And Strategies

4. Online Payment Fraud Detection Market - Macro Economic Scenario Including The Impact Of Interest Rates, Inflation, Geopolitics, Trade Wars and Tariffs, And Covid And Recovery On The Market

5. Global Online Payment Fraud Detection Growth Analysis And Strategic Analysis Framework

6. Online Payment Fraud Detection Market Segmentation

7. Online Payment Fraud Detection Market Regional And Country Analysis

8. Asia-Pacific Online Payment Fraud Detection Market

9. China Online Payment Fraud Detection Market

10. India Online Payment Fraud Detection Market

11. Japan Online Payment Fraud Detection Market

12. Australia Online Payment Fraud Detection Market

13. Indonesia Online Payment Fraud Detection Market

14. South Korea Online Payment Fraud Detection Market

15. Western Europe Online Payment Fraud Detection Market

16. UK Online Payment Fraud Detection Market

17. Germany Online Payment Fraud Detection Market

18. France Online Payment Fraud Detection Market

19. Italy Online Payment Fraud Detection Market

20. Spain Online Payment Fraud Detection Market

21. Eastern Europe Online Payment Fraud Detection Market

22. Russia Online Payment Fraud Detection Market

23. North America Online Payment Fraud Detection Market

24. USA Online Payment Fraud Detection Market

25. Canada Online Payment Fraud Detection Market

26. South America Online Payment Fraud Detection Market

27. Brazil Online Payment Fraud Detection Market

28. Middle East Online Payment Fraud Detection Market

29. Africa Online Payment Fraud Detection Market

30. Online Payment Fraud Detection Market Competitive Landscape And Company Profiles

31. Online Payment Fraud Detection Market Other Major And Innovative Companies

32. Global Online Payment Fraud Detection Market Competitive Benchmarking And Dashboard

33. Key Mergers And Acquisitions In The Online Payment Fraud Detection Market

34. Recent Developments In The Online Payment Fraud Detection Market

35. Online Payment Fraud Detection Market High Potential Countries, Segments and Strategies

36. Appendix

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