[시장보고서]은행 및 금융 서비스용 IoT 시장 : 세계 산업 규모, 동향, 기회, 예측 - 컴포넌트별, 애플리케이션별, 최종 용도별, 지역별, 경쟁별(2020-2030년)

은행 및 금융 서비스용 IoT 시장 : 세계 산업 규모, 동향, 기회, 예측 - 컴포넌트별, 애플리케이션별, 최종 용도별, 지역별, 경쟁별(2020-2030년)

IoT in Banking and Financial Services Market - Global Industry Size, Share, Trends, Opportunity, and Forecast, By Component, By Application, By End Use, By Region & Competition, 2020-2030F

상품코드 : 1764057

리서치사 : TechSci Research

발행일 : 2025년 06월

페이지 정보 : 영문 185 Pages

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한글목차

샘플 요청 목록에 추가

세계의 은행·금융 서비스용 IoT 시장 규모는 2024년에 585억 6,000만 달러에 달하며, 2030년에는 1,104억 달러에 달할 것으로 예측되며, 예측 기간 중 CAGR은 11.15%로 성장할 것으로 예측됩니다.

이 시장은 상호 연결된 장비, 센서, 통신 시스템 도입에 초점을 맞추고 있으며, 금융기관이 운영되고 고객과 소통하는 방식에 혁명을 일으키고 있습니다. 등의 소스로부터 실시간 데이터를 수집하고 분석할 수 있습니다. 이러한 데이터는 업무 효율성 향상, 적극적인 고객 서비스, 부정행위 감지 기능 강화에 도움이 됩니다.

시장 개요
예측 기간	2026-2030
시장 규모 : 2024년	585억 6,000만 달러
시장 규모 : 2030년	1,104억 달러
CAGR : 2025-2030년	11.15%
급성장 부문	보험
최대 시장	북미

IoT의 도입은 디지털 뱅킹 솔루션에 대한 수요 증가, 기술 고도화, 개인화된 금융 서비스에 대한 요구가 큰 요인으로 작용하고 있습니다. 금융기관은 IoT를 활용하여 ATM 기능 모니터링, 지점 업무 최적화, 고객 대기시간 단축을 위해 IoT를 활용하고 있습니다. 또한 웨어러블 뱅킹과 커넥티드 페이먼트가 확산되면서 사용자들이 보다 직관적으로 금융을 관리할 수 있게 되었습니다. 업계가 사이버 보안과 규제 준수를 우선시하는 가운데, IoT는 보다 안전하고 투명하며 추적 가능한 금융 환경을 제공하는 데에도 활용되고 있습니다.

주요 시장 성장 촉진요인

초개인화된 뱅킹 경험에 대한 기대감 증가

주요 시장 이슈

데이터 프라이버시 및 규제 준수 보장

주요 시장 동향

스마트 브랜치와 커넥티드 뱅킹 인터페이스의 부상

시장 규모·예측
- 금액별
시장 점유율·예측
- 컴포넌트별(하드웨어, 소프트웨어, 서비스)
- 애플리케이션별(보안, 고객경험관리, 감시, 데이터 관리, 기타)
- 최종 용도별(은행, 보험, 기타)
- 지역별(북미, 유럽, 남미, 중동 및 아프리카, 아시아태평양)
기업별(2024)
시장 맵

제6장 북미의 은행·금융 서비스용 IoT 시장 전망

시장 규모·예측
시장 점유율·예측
북미 : 국가별 분석
- 미국
- 캐나다
- 멕시코

제7장 유럽의 은행·금융 서비스용 IoT 시장 전망

시장 규모·예측
시장 점유율·예측
유럽 : 국가별 분석
- 독일
- 프랑스
- 영국
- 이탈리아
- 스페인

제8장 아시아태평양의 은행·금융 서비스용 IoT 시장 전망

시장 규모·예측
시장 점유율·예측
아시아태평양 : 국가별 분석
- 중국
- 인도
- 일본
- 한국
- 호주

제9장 중동 및 아프리카의 은행·금융 서비스용 IoT 시장 전망

시장 규모·예측
시장 점유율·예측
중동 및 아프리카 : 국가별 분석
- 사우디아라비아
- 아랍에미리트
- 남아프리카공화국

제10장 남미의 은행·금융 서비스용 IoT 시장 전망

시장 규모·예측
시장 점유율·예측
남미 : 국가별 분석
- 브라질
- 콜롬비아
- 아르헨티나

제11장 시장 역학

촉진요인
과제

제12장 시장 동향과 발전

합병과 인수
제품 출시
최근 동향

제13장 기업 개요

Cisco Systems, Inc.
Microsoft Corporation
Oracle Corporation
IBM Corporation
Amazon.com, Inc.
Infosys Limited
Accenture plc
SAP SE

제14장 전략적 제안

제15장 조사회사 소개·면책사항

KSA

영문 목차

영문목차

The Global IoT in Banking and Financial Services Market was valued at USD 58.56 billion in 2024 and is projected to reach USD 110.40 billion by 2030, growing at a CAGR of 11.15% during the forecast period. This market focuses on the deployment of interconnected devices, sensors, and communication systems that are revolutionizing how financial institutions operate and engage with customers. Through IoT integration, banks and financial service providers can collect and analyze real-time data from sources such as ATMs, mobile applications, wearables, and in-branch systems. This data enables improved operational efficiency, proactive customer service, and enhanced fraud detection capabilities.

Market Overview
Forecast Period	2026-2030
Market Size 2024	USD 58.56 Billion
Market Size 2030	USD 110.40 Billion
CAGR 2025-2030	11.15%
Fastest Growing Segment	Insurance
Largest Market	North America

The adoption of IoT is largely driven by the growing demand for digital banking solutions, increasing technological sophistication, and the need for personalized financial services. Institutions are leveraging IoT to monitor ATM functionality, optimize branch operations, and reduce customer wait times. Furthermore, wearable-enabled banking and connected payments are gaining traction, helping users manage finances more intuitively. As the industry prioritizes cybersecurity and regulatory compliance, IoT is also being utilized to deliver more secure, transparent, and traceable financial environments.

Key Market Drivers

Growing Expectations for Hyper-Personalized Banking Experiences

Consumers increasingly expect tailored banking experiences, and IoT technologies are playing a pivotal role in meeting these demands. Smart devices such as wearables, mobile wallets, and voice-activated assistants provide a wealth of real-time data, including spending behavior, location, and biometric feedback. Financial institutions are capitalizing on this information to enhance customer engagement by offering real-time financial recommendations, personalized offers, and geolocation-based alerts.

This high level of personalization extends into product innovation, with dynamic financial solutions such as insurance premiums and loan offers that adapt based on lifestyle and usage patterns. IoT also improves decision-making in credit scoring and fraud prevention. Pilot programs have shown that IoT-generated interactions result in higher responsiveness and engagement compared to traditional mobile banking alerts. As customers increasingly compare financial services to tech-enabled consumer experiences, institutions embracing IoT personalization stand to build stronger relationships and improve customer retention.

Key Market Challenges

Ensuring Data Privacy and Regulatory Compliance

A key challenge in this market is the need to manage large volumes of sensitive data while adhering to strict privacy laws and regulations. IoT devices across banking networks-ranging from biometric systems to mobile applications-generate complex data streams that must be securely stored and processed. Regulations such as the General Data Protection Regulation (GDPR) in Europe and the California Consumer Privacy Act (CCPA) in the U.S. impose stringent requirements for data handling, consent management, and breach notification.

The dynamic and interconnected nature of IoT ecosystems makes compliance difficult, especially when third-party service providers and global data transfers are involved. Institutions must invest in advanced encryption, secure cloud storage, and policy governance tools to mitigate risk. Maintaining consistent compliance across a rapidly evolving digital infrastructure remains a top concern, particularly as regulators tighten oversight on financial data transparency and consumer rights.

Key Market Trends

Rise of Smart Branches and Connected Banking Interfaces

The emergence of smart branches is transforming the traditional banking model. Financial institutions are integrating IoT with artificial intelligence to create interactive, customer-centric environments. These branches utilize biometric recognition, intelligent kiosks, and sensor-enabled systems to streamline services, reduce wait times, and personalize customer interactions.

IoT-enabled smart branches can automatically identify repeat visitors, analyze foot traffic patterns, and manage energy consumption for sustainability. In addition to operational gains, these innovations support omnichannel banking by aligning physical services with digital experiences. Enhanced surveillance and environmental control systems also improve branch security and safety. With growing competition from digital-first platforms, physical branches are evolving into tech-enabled hubs that support seamless, high-value banking interactions.

Key Market Players

Cisco Systems, Inc.
Microsoft Corporation
Oracle Corporation
IBM Corporation
Amazon.com, Inc.
Infosys Limited
Accenture plc
SAP SE

Report Scope:

In this report, the Global IoT in Banking and Financial Services Market has been segmented into the following categories, in addition to the industry trends which have also been detailed below:

IoT in Banking and Financial Services Market, By Component:

Hardware
Software
Services

IoT in Banking and Financial Services Market, By Application:

Security
Customer Experience Management
Monitoring
Data Management
Others

IoT in Banking and Financial Services Market, By End Use:

Banking
Insurance
Others

IoT in Banking and Financial Services Market, By Region:

North America
- United States
- Canada
- Mexico
Europe
- Germany
- France
- United Kingdom
- Italy
- Spain
Asia Pacific
- China
- India
- Japan
- South Korea
- Australia
Middle East & Africa
- Saudi Arabia
- UAE
- South Africa
South America
- Brazil
- Colombia
- Argentina

Competitive Landscape

Company Profiles: Detailed analysis of the major companies present in the Global IoT in Banking and Financial Services Market.

Available Customizations:

Global IoT in Banking and Financial Services Market report with the given market data, TechSci Research offers customizations according to a company's specific needs. The following customization options are available for the report:

1. Solution Overview

1.1. Market Definition
1.2. Scope of the Market
- 1.2.1. Markets Covered
- 1.2.2. Years Considered for Study
- 1.2.3. Key Market Segmentations

2. Research Methodology

2.1. Objective of the Study
2.2. Baseline Methodology
2.3. Key Industry Partners
2.4. Major Association and Secondary Sources
2.5. Forecasting Methodology
2.6. Data Triangulation & Validation
2.7. Assumptions and Limitations

3. Executive Summary

3.1. Overview of the Market
3.2. Overview of Key Market Segmentations
3.3. Overview of Key Market Players
3.4. Overview of Key Regions/Countries
3.5. Overview of Market Drivers, Challenges, and Trends

4. Voice of Customer

5. Global IoT in Banking and Financial Services Market Outlook

5.1. Market Size & Forecast
- 5.1.1. By Value
5.2. Market Share & Forecast
- 5.2.1. By Component (Hardware, Software, Services)
- 5.2.2. By Application (Security, Customer Experience Management, Monitoring, Data Management, Others)
- 5.2.3. By End Use (Banking, Insurance, Others)
- 5.2.4. By Region (North America, Europe, South America, Middle East & Africa, Asia Pacific)
5.3. By Company (2024)
5.4. Market Map

6. North America IoT in Banking and Financial Services Market Outlook

6.1. Market Size & Forecast
- 6.1.1. By Value
6.2. Market Share & Forecast
- 6.2.1. By Component
- 6.2.2. By Application
- 6.2.3. By End Use
- 6.2.4. By Country
6.3. North America: Country Analysis
- 6.3.1. United States IoT in Banking and Financial Services Market Outlook
  - 6.3.1.1. Market Size & Forecast
    - 6.3.1.1.1. By Value
  - 6.3.1.2. Market Share & Forecast
    - 6.3.1.2.1. By Component
    - 6.3.1.2.2. By Application
    - 6.3.1.2.3. By End Use
- 6.3.2. Canada IoT in Banking and Financial Services Market Outlook
  - 6.3.2.1. Market Size & Forecast
    - 6.3.2.1.1. By Value
  - 6.3.2.2. Market Share & Forecast
    - 6.3.2.2.1. By Component
    - 6.3.2.2.2. By Application
    - 6.3.2.2.3. By End Use
- 6.3.3. Mexico IoT in Banking and Financial Services Market Outlook
  - 6.3.3.1. Market Size & Forecast
    - 6.3.3.1.1. By Value
  - 6.3.3.2. Market Share & Forecast
    - 6.3.3.2.1. By Component
    - 6.3.3.2.2. By Application
    - 6.3.3.2.3. By End Use

7. Europe IoT in Banking and Financial Services Market Outlook

7.1. Market Size & Forecast
- 7.1.1. By Value
7.2. Market Share & Forecast
- 7.2.1. By Component
- 7.2.2. By Application
- 7.2.3. By End Use
- 7.2.4. By Country
7.3. Europe: Country Analysis
- 7.3.1. Germany IoT in Banking and Financial Services Market Outlook
  - 7.3.1.1. Market Size & Forecast
    - 7.3.1.1.1. By Value
  - 7.3.1.2. Market Share & Forecast
    - 7.3.1.2.1. By Component
    - 7.3.1.2.2. By Application
    - 7.3.1.2.3. By End Use
- 7.3.2. France IoT in Banking and Financial Services Market Outlook
  - 7.3.2.1. Market Size & Forecast
    - 7.3.2.1.1. By Value
  - 7.3.2.2. Market Share & Forecast
    - 7.3.2.2.1. By Component
    - 7.3.2.2.2. By Application
    - 7.3.2.2.3. By End Use
- 7.3.3. United Kingdom IoT in Banking and Financial Services Market Outlook
  - 7.3.3.1. Market Size & Forecast
    - 7.3.3.1.1. By Value
  - 7.3.3.2. Market Share & Forecast
    - 7.3.3.2.1. By Component
    - 7.3.3.2.2. By Application
    - 7.3.3.2.3. By End Use
- 7.3.4. Italy IoT in Banking and Financial Services Market Outlook
  - 7.3.4.1. Market Size & Forecast
    - 7.3.4.1.1. By Value
  - 7.3.4.2. Market Share & Forecast
    - 7.3.4.2.1. By Component
    - 7.3.4.2.2. By Application
    - 7.3.4.2.3. By End Use
- 7.3.5. Spain IoT in Banking and Financial Services Market Outlook
  - 7.3.5.1. Market Size & Forecast
    - 7.3.5.1.1. By Value
  - 7.3.5.2. Market Share & Forecast
    - 7.3.5.2.1. By Component
    - 7.3.5.2.2. By Application
    - 7.3.5.2.3. By End Use

8. Asia Pacific IoT in Banking and Financial Services Market Outlook

8.1. Market Size & Forecast
- 8.1.1. By Value
8.2. Market Share & Forecast
- 8.2.1. By Component
- 8.2.2. By Application
- 8.2.3. By End Use
- 8.2.4. By Country
8.3. Asia Pacific: Country Analysis
- 8.3.1. China IoT in Banking and Financial Services Market Outlook
  - 8.3.1.1. Market Size & Forecast
    - 8.3.1.1.1. By Value
  - 8.3.1.2. Market Share & Forecast
    - 8.3.1.2.1. By Component
    - 8.3.1.2.2. By Application
    - 8.3.1.2.3. By End Use
- 8.3.2. India IoT in Banking and Financial Services Market Outlook
  - 8.3.2.1. Market Size & Forecast
    - 8.3.2.1.1. By Value
  - 8.3.2.2. Market Share & Forecast
    - 8.3.2.2.1. By Component
    - 8.3.2.2.2. By Application
    - 8.3.2.2.3. By End Use
- 8.3.3. Japan IoT in Banking and Financial Services Market Outlook
  - 8.3.3.1. Market Size & Forecast
    - 8.3.3.1.1. By Value
  - 8.3.3.2. Market Share & Forecast
    - 8.3.3.2.1. By Component
    - 8.3.3.2.2. By Application
    - 8.3.3.2.3. By End Use
- 8.3.4. South Korea IoT in Banking and Financial Services Market Outlook
  - 8.3.4.1. Market Size & Forecast
    - 8.3.4.1.1. By Value
  - 8.3.4.2. Market Share & Forecast
    - 8.3.4.2.1. By Component
    - 8.3.4.2.2. By Application
    - 8.3.4.2.3. By End Use
- 8.3.5. Australia IoT in Banking and Financial Services Market Outlook
  - 8.3.5.1. Market Size & Forecast
    - 8.3.5.1.1. By Value
  - 8.3.5.2. Market Share & Forecast
    - 8.3.5.2.1. By Component
    - 8.3.5.2.2. By Application
    - 8.3.5.2.3. By End Use

9. Middle East & Africa IoT in Banking and Financial Services Market Outlook

9.1. Market Size & Forecast
- 9.1.1. By Value
9.2. Market Share & Forecast
- 9.2.1. By Component
- 9.2.2. By Application
- 9.2.3. By End Use
- 9.2.4. By Country
9.3. Middle East & Africa: Country Analysis
- 9.3.1. Saudi Arabia IoT in Banking and Financial Services Market Outlook
  - 9.3.1.1. Market Size & Forecast
    - 9.3.1.1.1. By Value
  - 9.3.1.2. Market Share & Forecast
    - 9.3.1.2.1. By Component
    - 9.3.1.2.2. By Application
    - 9.3.1.2.3. By End Use
- 9.3.2. UAE IoT in Banking and Financial Services Market Outlook
  - 9.3.2.1. Market Size & Forecast
    - 9.3.2.1.1. By Value
  - 9.3.2.2. Market Share & Forecast
    - 9.3.2.2.1. By Component
    - 9.3.2.2.2. By Application
    - 9.3.2.2.3. By End Use
- 9.3.3. South Africa IoT in Banking and Financial Services Market Outlook
  - 9.3.3.1. Market Size & Forecast
    - 9.3.3.1.1. By Value
  - 9.3.3.2. Market Share & Forecast
    - 9.3.3.2.1. By Component
    - 9.3.3.2.2. By Application
    - 9.3.3.2.3. By End Use

10. South America IoT in Banking and Financial Services Market Outlook

10.1. Market Size & Forecast
- 10.1.1. By Value
10.2. Market Share & Forecast
- 10.2.1. By Component
- 10.2.2. By Application
- 10.2.3. By End Use
- 10.2.4. By Country
10.3. South America: Country Analysis
- 10.3.1. Brazil IoT in Banking and Financial Services Market Outlook
  - 10.3.1.1. Market Size & Forecast
    - 10.3.1.1.1. By Value
  - 10.3.1.2. Market Share & Forecast
    - 10.3.1.2.1. By Component
    - 10.3.1.2.2. By Application
    - 10.3.1.2.3. By End Use
- 10.3.2. Colombia IoT in Banking and Financial Services Market Outlook
  - 10.3.2.1. Market Size & Forecast
    - 10.3.2.1.1. By Value
  - 10.3.2.2. Market Share & Forecast
    - 10.3.2.2.1. By Component
    - 10.3.2.2.2. By Application
    - 10.3.2.2.3. By End Use
- 10.3.3. Argentina IoT in Banking and Financial Services Market Outlook
  - 10.3.3.1. Market Size & Forecast
    - 10.3.3.1.1. By Value
  - 10.3.3.2. Market Share & Forecast
    - 10.3.3.2.1. By Component
    - 10.3.3.2.2. By Application
    - 10.3.3.2.3. By End Use

11. Market Dynamics

11.1. Drivers
11.2. Challenges

12. Market Trends and Developments

12.1. Merger & Acquisition (If Any)
12.2. Product Launches (If Any)
12.3. Recent Developments

13. Company Profiles

13.1. Cisco Systems, Inc.
- 13.1.1. Business Overview
- 13.1.2. Key Revenue and Financials
- 13.1.3. Recent Developments
- 13.1.4. Key Personnel
- 13.1.5. Key Product/Services Offered
13.2. Microsoft Corporation
13.3. Oracle Corporation
13.4. IBM Corporation
13.5. Amazon.com, Inc.
13.6. Infosys Limited
13.7. Accenture plc
13.8. SAP SE