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¼¼°èÀÇ 3D ½ÃÅ¥¾î °áÁ¦ ÀÎÁõ ½ÃÀå ±Ô¸ð Á¶»ç : ±¸¼º¿ä¼Òº°, ¿ëµµº°, Áö¿ªº° ¿¹Ãø(2022-2032³â)Global 3D Secure Payment Authentication Market Size Study, by Component (Access Control Server, Merchant Plug-in, Others), by Application (Banks, Merchants & Payment Gateway) and Regional Forecasts 2022-2032 |
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The Global 3D Secure Payment Authentication market was valued at approximately USD 1.24 billion in 2023 and is projected to grow at a robust CAGR of 12.7% over the forecast period from 2024 to 2032. This growth is primarily driven by the increasing prevalence of Card-Not-Present (CNP) fraud and the rising adoption of online and e-commerce shopping among consumers. The advancements in 3D secure (3DS) payment authentication technology are further enhancing the customer experience, thereby propelling the market growth. The implementation of robust authentication solutions is becoming paramount as cyber threats continue to evolve and become more sophisticated, creating a highly competitive market landscape. Furthermore, the integration of advanced technologies such as Machine Learning (ML) and Artificial Intelligence (AI) has emerged as a key trend. These technologies strengthen the security of online transactions by continuously assessing and examining user behavior and transaction data in real-time. The combination of 3D secure solutions with AI and ML systems allows for the adaptation to evolving fraud tactics, promptly identifying irregularities and potential security risks.
The global market is also experiencing growth due to the advancement of biometric authentication techniques such as fingerprint recognition, facial recognition, and iris scanning. These methods enhance the security of online transactions by confirming distinctive physical characteristics, thereby simultaneously improving both security measures and user convenience. This trend is expected to have a substantial impact on the security environment and user interactions, driving the rapid adoption of biometric authentication technology in 3D secure payment authentication solutions. However, the market faces challenges such as the high implementation costs associated with 3D secure payment authentication. Merchants can anticipate transaction-related fees when utilizing these solutions. However, as the market continues to evolve, finding cost-effective and scalable solutions will be crucial to overcoming these high initial costs, thereby fostering wider adoption across various industries and industry verticals.
The key regions considered for the Global 3D Secure Payment Authentication Market study include North America, Europe, Asia Pacific, Latin America, and the Middle East and Africa. North America accounted for a significant market share in 2023. This is due to the region's strong regulatory framework, technological innovation, and increasing consumer demand for secure online transactions. North America, particularly the United States, was an early adopter of 3D Secure technology, which has been instrumental in its widespread implementation across various sectors. Regulatory bodies in North America, such as the Payment Card Industry Data Security Standard (PCI DSS), have encouraged the adoption of secure payment technologies like 3D Secure to enhance transaction security and reduce fraud. The increasing prevalence of online shopping and digital payments further drives the growth of 3D Secure technology adoption in North America. The Asia-Pacific region is projected to experience the highest growth rate during the forecast period 2024-2032.