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한글목차
음성 기반 결제 시장 규모는 향후 수년간 급성장할 것으로 전망됩니다. 2029년에는 CAGR 15.8%를 나타내 196억 7,000만 달러로 성장할 전망입니다. 예측 기간의 성장 원동력은 생체인식 인증 수요 증가, 유행기간 후 비접촉식 결제에 대한 선호도 증가, 음성 어시스턴트 이용 확대, 클라우드 기반 결제 솔루션 확대, 음성 인식 기술 투자 증가 등입니다. 예측 기간 중에 예상되는 주요 동향으로는 음성 인식기술의 발전, 바이오메트릭스보안의 혁신, 자연어처리의 진보, 인공지능의 연구개발의 진행, 음성명령에 의한 사용자 체험의 향상의 중시의 향상 등을 들 수 있습니다.
스마트폰의 보급 대수 증가가 향후 음성 기반 결제 시장 성장을 견인할 것으로 예측됩니다. 스마트폰은 휴대전화의 기능과 고급 컴퓨팅 기능을 통합한 휴대전자기기로 사용자는 통화, 인터넷 접속, 용도 실행, 다양한 멀티미디어 활동을 할 수 있습니다. 이러한 스마트폰의 보급은 모바일 인터넷 접속에 대한 수요 증가가 원동력이 되어 사용자가 쉽게 인터넷에 접속할 수 있습니다. 음성 기반 결제는 사용자가 음성 명령을 통해 신속하고 안전하며 핸즈프리로 거래할 수 있게 함으로써 스마트폰을 강화하고 일상적인 모바일 금융 활동의 편의성과 접근성을 향상시킵니다. 예를 들어 영국에 본사를 둔 온라인, 전화 비교, 교환 서비스 제공자인 Uswitch Limited가 2023년 2월에 발표한 보고서에 따르면 2022년 액티브 모바일 연결 수는 7,180만 건으로 2021년에서 3.8% 증가했습니다. 게다가 2025년까지 영국 인구는 6,830만 명에 달하고, 개인의 95%가 스마트폰을 소유할 것으로 예측됩니다. 따라서 스마트폰의 보급이 음성 기반 결제 시장 확대를 촉진하는 중요한 요인이 되고 있습니다.
음성 기반 결제 시장 주요 기업은 접근성을 향상시키고 사용자에게 부드럽고 편리한 결제 경험을 제공하기 위해 다국어 음성 명령 지원과 같은 고급 솔루션 개발을 선호합니다. 다국어 음성 명령 지원을 사용하면 사용자가 여러 언어로 음성 명령을 사용하여 시스템과 상호 작용할 수 있어 보다 광범위한 접근성과 개인화된 사용자 경험을 촉진할 수 있습니다. 예를 들어 미국을 거점으로 하는 디지털 월렛 플랫폼의 구글 페이는 2025년 2월 인도 정부의 인공지능(AI) 이니셔티브 'Bhashini'와 공동으로 개발한 사용자가 원하는 언어의 음성 명령을 사용하여 UPI 거래를 할 수 있는 AI 탑재 음성 결제 기능을 인도에서 도입했습니다. 이 기능은 고급 음성 인식과 AI를 통한 사기 감지 기술을 통합하여 안전하고 편리하며 원활한 음성 기반 결제 경험을 제공합니다. 이 기능은 실시간 거래 모니터링, 개인화된 음성 인증, 정확성 및 보안을 지속적으로 강화하는 적응 학습 기능을 포함하여 금융 포용을 촉진하고 디지털 결제에 대한 신뢰를 구축합니다.
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
세계의 음성 기반 결제 : PESTEL 분석(정치, 사회, 기술, 환경, 법적 요인, 성장 촉진요인 및 억제요인)
최종 이용 산업의 분석
세계의 음성 기반 결제 시장 : 성장률 분석
세계의 음성 기반 결제 시장 실적 : 규모와 성장(2019-2024년)
세계의 음성 기반 결제 시장 예측 : 규모와 성장(2024-2029년, 2034년)
세계의 음성 기반 결제 : 전체 시장 규모(TAM)
제6장 시장 세분화
세계의 음성 기반 결제 시장 : 구성 요소별, 분석과 예측(2019-2024년, 2024-2029년, 2034년)
소프트웨어
하드웨어
세계의 음성 기반 결제 시장 : 기술별, 분석과 예측(2019-2024년, 2024-2029년, 2034년)
클라우드 기반 솔루션
On-Premise 솔루션
하이브리드 솔루션
세계의 음성 기반 결제 시장 : 지불 방법별, 분석과 예측(2019-2024년, 2024-2029년, 2034년)
음성 명령
음성 인식
음성 생체 인식
세계의 음성 기반 결제 시장 : 기업 규모별, 분석과 예측(2019-2024년, 2024-2029년, 2034년)
대기업
중소기업
세계의 음성 기반 결제 시장 : 최종 용도별, 분석과 예측(2019-2024년, 2024-2029년, 2034년)
은행, 금융서비스 및 보험(BFSI)
자동차
헬스케어
소매
정부
기타 최종 사용자
세계의 음성 기반의 결제 시장 : 소프트웨어 유형별, 분석과 예측(2019-2024년, 2024-2029년, 2034년)
음성 결제 통합 플랫폼
음성 인식 알고리즘
애플리케이션 프로그래밍 인터페이스(API)
보안 및 인증 모듈
자연어 처리 엔진
세계의 음성 기반 결제 시장 : 하드웨어 유형별, 분석과 예측(2019-2024년, 2024-2029년, 2034년)
스마트 스피커
음성 지원 모바일 기기
마이크 입력 기능이 있는 POS 단말기
자동차 인포테인먼트 시스템
제7장 지역별/국가별 분석
세계의 음성 기반 결제 시장 : 지역별, 분석과 예측(2019-2024년, 2024-2029년, 2034년)
세계의 음성 기반 결제 시장 : 국가별, 분석과 예측(2019-2024년, 2024-2029년, 2034년)
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
음성 기반 결제 시장 : 경쟁 구도
음성 기반 결제 시장 : 기업 프로파일
Amazon.com Inc. : 개요, 제품 및 서비스, 전략 및 재무 분석
Apple Inc. : 개요, 제품 및 서비스, 전략 및 재무 분석
Google LLC : 개요, 제품 및 서비스, 전략 및 재무 분석
Samsung Electronics Co. Ltd. : 개요, 제품 및 서비스, 전략 및 재무 분석
Alibaba Group Holding Limited : 개요, 제품 및 서비스, 전략 및 재무 분석
제31장 기타 주요 기업 및 혁신 기업
Huawei Technologies Co. Ltd.
Visa Inc.
PayPal Holdings Inc.
Mastercard Incorporated
Baidu Inc.
Cerence Inc.
PayJunction Inc.
Naffa Innovations Pvt. Ltd.
Fonix Mobile PLC
PCI Pal PLC
Voxpay SAS
Spitch AG
iWallet Inc.
VoicePay Limited
Kasisto Inc.
제32장 세계 시장 경쟁 벤치마킹과 대시보드
제33장 주요 인수합병(M&A)
제34장 최근 시장 동향
제35장 시장의 잠재력이 높은 국가, 부문, 전략
음성 기반 결제 시장(2029년) : 새로운 기회를 제공하는 국가
음성 기반 결제 시장(2029년) : 새로운 기회를 제공하는 부문
음성 기반 결제 시장(2029년) : 성장 전략
시장 동향에 기초한 전략
경쟁 전략
제36장 부록
KTH
영문 목차
영문목차
Voice-based payments refer to transactions that are initiated and authorized through voice commands, usually via smart devices such as smartphones, voice assistants, or specialized banking applications equipped with voice recognition technology. These systems utilize natural language processing and biometric voice authentication to securely verify users, allowing them to perform actions such as transferring money, checking account balances, or paying bills hands-free.
The primary components of voice-based payments consist of software and hardware. Software comprises instructions, programs, or data that operate computers and execute specific tasks or functions. Key technologies include cloud-based solutions, on-premise solutions, and hybrid solutions, supporting multiple payment methods such as voice commands, voice recognition, and voice biometrics. This technology is employed by various enterprise sizes, including large enterprises as well as small and medium enterprises, across multiple end-use sectors such as banking, financial services, insurance, automotive, healthcare, retail, government, 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 voice-based payments market research report is one of a series of new reports from The Business Research Company that provides voice-based payments market statistics, including the voice-based payments industry global market size, regional shares, competitors with the voice-based payments market share, detailed voice-based payments market segments, market trends, and opportunities, and any further data you may need to thrive in the voice-based payments industry. This voice-based payments 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 voice-based payments market size has grown rapidly in recent years. It will grow from $9.42 billion in 2024 to $10.94 billion in 2025 at a compound annual growth rate (CAGR) of 16.2%. The growth during the historical period can be credited to the rising penetration of smartphones, increased adoption of e-commerce, enhanced consumer confidence in digital payments, the expansion of mobile wallets, and improved internet accessibility.
The voice-based payments market size is expected to see rapid growth in the next few years. It will grow to $19.67 billion in 2029 at a compound annual growth rate (CAGR) of 15.8%. The anticipated growth in the forecast period is driven by the growing demand for biometric authentication, a stronger preference for contactless payments following the pandemic, increased use of voice assistants, the expansion of cloud-based payment solutions, and heightened investments in voice recognition technology. Key trends expected during the forecast period include advancements in voice recognition technology, innovations in biometric security, progress in natural language processing, ongoing research and development in artificial intelligence, and a growing emphasis on improving user experience via voice commands.
The rising penetration of smartphones is expected to drive the growth of the voice-based payments market in the future. Smartphones are portable electronic devices that integrate mobile phone functionality with advanced computing capabilities, enabling users to make calls, access the internet, run applications, and engage in various multimedia activities. This increased smartphone penetration is driven by the growing demand for mobile internet access, allowing users to stay connected with ease. Voice-based payments enhance smartphones by enabling users to perform quick, secure, and hands-free transactions through voice commands, thereby improving convenience and accessibility in daily mobile financial activities. For example, according to a report published by Uswitch Limited, a UK-based online and telephone comparison and switching service provider, in February 2023, there were 71.8 million active mobile connections in 2022, reflecting a 3.8% increase from 2021. Additionally, by 2025, the UK population is projected to reach 68.3 million, with 95% of individuals expected to own smartphones. Hence, the growing smartphone penetration is a key factor driving the expansion of the voice-based payments market.
Leading companies in the voice-based payments market are prioritizing the development of advanced solutions, such as multilingual voice command support, to improve accessibility and provide users with smooth, convenient payment experiences. Multilingual voice command support enables users to interact with systems using voice commands in multiple languages, promoting wider accessibility and personalized user experiences. For instance, in February 2025, Google Pay, a US-based digital wallet platform, introduced an AI-powered voice payment feature in India that allows users to conduct UPI transactions through voice commands in their preferred language, developed in collaboration with the Indian government's Bhashini artificial intelligence (AI) initiative. This feature integrates advanced speech recognition with AI-driven fraud detection technologies to offer a highly secure, convenient, and seamless voice-based payment experience. It includes real-time transaction monitoring, personalized voice authentication, and adaptive learning capabilities that continually enhance accuracy and security, thereby fostering financial inclusion and building trust in digital payments.
In April 2025, Banked Ltd., a UK-based fintech company, acquired VibePay for an undisclosed sum. Through this acquisition, Banked aims to accelerate the global adoption of Pay by Bank by merging its payment infrastructure with VibePay's consumer engagement tools and personalized incentive features. VibePay is a UK-based social payments app company that provides voice-activated payments via its iOS app, utilizing Apple's Siri.
Major players in the voice-based payments market are Amazon.com Inc., Apple Inc., Google LLC, Samsung Electronics Co. Ltd., Alibaba Group Holding Limited, Huawei Technologies Co. Ltd., Visa Inc., PayPal Holdings Inc., Mastercard Incorporated, Baidu Inc., Cerence Inc., PayJunction Inc., Naffa Innovations Pvt. Ltd., Fonix Mobile PLC, PCI Pal PLC, Voxpay SAS, Spitch AG, iWallet Inc., VoicePay Limited, and Kasisto Inc.
North America was the largest region in the voice-based payments market in 2024. Asia-Pacific is expected to be the fastest-growing region in the forecast period. The regions covered in voice-based payments report are Asia-Pacific, Western Europe, Eastern Europe, North America, South America, Middle East and Africa.
The countries covered in the voice-based payments market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Russia, South Korea, UK, USA, Canada, Italy, Spain.
The voice-based payments market consists of revenues earned by entities by providing services such as voice-enabled bill payments, voice-based money transfers, voice-activated account management, voice authentication, and multi-language support. The market value includes the value of related goods sold by the service provider or included within the service offering. The voice-based payments market also includes sales of smart speakers, smartphones and tablets, microphones and voice capture sensors, and automotive infotainment systems. Values in this market are 'factory gate' values, that is the value of goods sold by the manufacturers or creators of the goods, whether to other entities (including downstream manufacturers, wholesalers, distributors and retailers) or directly to end customers. The value of goods in this market includes related services sold by the creators of the goods.
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.
Voice-Based Payments 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 voice-based payments 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.
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Where is the largest and fastest growing market for voice-based payments ? 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 voice-based payments 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 market characteristics section of the report defines and explains the market.
The market size section gives the market size ($b) covering both the historic growth of the market, and forecasting its development.
The forecasts are made after considering the major factors currently impacting the market. These include:
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.
Market segmentations break down the market into sub markets.
The regional and country breakdowns section gives an analysis of the market in each geography and the size of the market by geography and compares their historic and forecast growth.
The competitive landscape chapter gives a description of the competitive nature of the market, market shares, and a description of the leading companies. Key financial deals which have shaped the market in recent years are identified.
The trends and strategies section analyses the shape of the market as it emerges from the crisis and suggests how companies can grow as the market recovers.
Scope
Markets Covered:1) By Component: Software; Hardware
2) By Technology: Cloud-Based Solutions; On-Premise Solutions; Hybrid Solutions
3) By Payment Method: Voice Command; Voice Recognition; Voice Biometrics
4) By Enterprise Size: Large Enterprises; Small And Medium Enterprises
5) By End-Use: Banking, Financial Services, And Insurance; Automotive; Healthcare; Retail; Government; Other End-Users
Subsegments:
1) By Software: Voice Payment Integration Platforms; Voice Recognition Algorithms; Application Programming Interfaces (APIs); Security And Authentication Modules; Natural Language Processing Engines
2) By Hardware: Smart Speakers; Voice-Enabled Mobile Devices; Point Of Sale Terminals With Microphone Input; Automotive Infotainment Systems; Headsets And Microphones
Companies Mentioned: Amazon.com Inc.; Apple Inc.; Google LLC; Samsung Electronics Co. Ltd.; Alibaba Group Holding Limited; Huawei Technologies Co. Ltd.; Visa Inc.; PayPal Holdings Inc.; Mastercard Incorporated; Baidu Inc.; Cerence Inc.; PayJunction Inc.; Naffa Innovations Pvt. Ltd.; Fonix Mobile PLC; PCI Pal PLC; Voxpay SAS; Spitch AG; iWallet Inc.; VoicePay Limited; Kasisto Inc.
Regions: Asia-Pacific; Western Europe; Eastern Europe; North America; South America; Middle East; Africa
Time Series: Five years historic and ten years forecast.
Data: Ratios of market size and growth to related markets, GDP proportions, expenditure per capita,
Data Segmentations: country and regional historic and forecast data, market share of competitors, market segments.
Sourcing and Referencing: Data and analysis throughout the report is sourced using end notes.
Delivery Format: PDF, Word and Excel Data Dashboard.
Table of Contents
1. Executive Summary
2. Voice-Based Payments Market Characteristics
3. Voice-Based Payments Market Trends And Strategies
4. Voice-Based Payments Market - Macro Economic Scenario Including The Impact Of Interest Rates, Inflation, Geopolitics, Trade Wars and Tariffs, And Covid And Recovery On The Market
4.1. Supply Chain Impact from Tariff War & Trade Protectionism
5. Global Voice-Based Payments Growth Analysis And Strategic Analysis Framework
5.1. Global Voice-Based Payments PESTEL Analysis (Political, Social, Technological, Environmental and Legal Factors, Drivers and Restraints)
5.2. Analysis Of End Use Industries
5.3. Global Voice-Based Payments Market Growth Rate Analysis
5.4. Global Voice-Based Payments Historic Market Size and Growth, 2019 - 2024, Value ($ Billion)
5.5. Global Voice-Based Payments Forecast Market Size and Growth, 2024 - 2029, 2034F, Value ($ Billion)
5.6. Global Voice-Based Payments Total Addressable Market (TAM)
6. Voice-Based Payments Market Segmentation
6.1. Global Voice-Based Payments Market, Segmentation By Component, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
Software
Hardware
6.2. Global Voice-Based Payments Market, Segmentation By Technology, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
Cloud-Based Solutions
On-Premise Solutions
Hybrid Solutions
6.3. Global Voice-Based Payments Market, Segmentation By Payment Method, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
Voice Command
Voice Recognition
Voice Biometrics
6.4. Global Voice-Based Payments Market, Segmentation By Enterprise Size, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
Large Enterprises
Small And Medium Enterprises
6.5. Global Voice-Based Payments Market, Segmentation By End-Use, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
Banking, Financial Services, And Insurance (BFSI)
Automotive
Healthcare
Retail
Government
Other End-Users
6.6. Global Voice-Based Payments Market, Sub-Segmentation Of Software, By Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
Voice Payment Integration Platforms
Voice Recognition Algorithms
Application Programming Interfaces (APIs)
Security and Authentication Modules
Natural Language Processing Engines
6.7. Global Voice-Based Payments Market, Sub-Segmentation Of Hardware, By Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
Smart Speakers
Voice-Enabled Mobile Devices
Point Of Sale Terminals With Microphone Input
Automotive Infotainment Systems
7. Voice-Based Payments Market Regional And Country Analysis
7.1. Global Voice-Based Payments Market, Split By Region, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
7.2. Global Voice-Based Payments Market, Split By Country, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
