세계의 트랜잭션 모니터링 시장 : 규모, 점유율, 성장, 산업 분석, 유형별, 용도별, 지역별 인사이트, 예측(2024-2032년)

Growth Factors of transaction monitoring Market

The global transaction monitoring market continues to expand at a rapid pace as financial institutions, fintechs, and enterprises adopt advanced tools to combat fraud, money laundering, and cyber threats. In 2024, the global market was valued at USD 17.98 billion, and it is projected to increase to USD 20.28 billion in 2025, eventually reaching USD 50.71 billion by 2032, reflecting a strong CAGR of 13.99%. The rise of real-time digital payments, increased regulatory pressure, and rapid digital transformation are key factors driving this growth.

Transaction monitoring systems (TMS) play a critical role in analyzing, detecting, and reporting suspicious activities. They help organizations comply with Anti-Money Laundering (AML) and Counter-Terrorism Financing (CTF) regulations. As financial crimes become more sophisticated, the market is witnessing a shift toward AI-driven, cloud-based, and predictive monitoring solutions. Major companies-such as Oracle Corporation, Experian, SAS Institute Inc., FICO, FIS, and Ondato-continue to innovate by integrating machine learning, automation, and generative AI into their solutions.

Impact of Generative AI

Generative AI is emerging as a transformative force in the transaction monitoring landscape. AI-driven models enhance anomaly detection, recognize subtle fraud patterns, and reduce false positives. The technology also automates key compliance tasks, including the generation of Suspicious Activity Reports (SARs), significantly improving operational efficiency.

In October 2024, Experian Information Solutions, Inc. launched Experian Assistant, a generative AI-enabled solution that reduces model-development time from months to days. Such innovations are expected to accelerate adoption across financial sectors worldwide.

Market Dynamics

Market Drivers

The increasing rate of financial fraud-including account takeovers, identity theft, phishing, and transaction manipulation-has accelerated the demand for advanced TMS solutions. Growth in online banking, digital payments, e-commerce, cryptocurrencies, and mobile wallets has expanded the attack surface for financial crimes. Financial institutions require real-time, intelligent tools to process massive transaction volumes and identify threats instantly.

In April 2024, Oracle Corporation introduced its AI-powered Financial Services Compliance Agent to help banks mitigate money laundering risks.

Market Restraints

High implementation and maintenance costs remain a challenge, particularly for SMEs. Compliance with global privacy frameworks like GDPR and CCPA increases concerns around data security, governance, and processing. Fear of data breaches can slow adoption in highly regulated industries.

Market Opportunities

Cloud-based transaction monitoring solutions are creating new opportunities by providing scalability, cost efficiency, and global accessibility. SaaS-based TMS platforms appeal to SMEs and fast-growing fintechs due to their lower upfront investment and real-time updates. Partnerships between TMS vendors and fintech or e-commerce companies are expected to fuel future growth.

Market Trends

A growing emphasis on real-time monitoring is reshaping the market. Organizations increasingly seek solutions that support multi-currency, cross-border transactions and seamlessly integrate with existing systems. Customizable dashboards, enhanced user interfaces, and sector-specific solutions are becoming essential features.

In January 2024, Novatus Advisory introduced its Transaction Reporting Assurance (TRA) solution to support regulatory transaction reporting requirements.

Segmentation Analysis

By Deployment

The cloud segment dominated with 74% share in 2024 and is expected to grow at the highest CAGR. Cloud platforms offer real-time updates and remote accessibility.

On-premises solutions continue to attract organizations that prioritize full control over sensitive financial data.

By Application

Anti-money laundering (AML) led the market in 2024 and is forecasted to capture 35% share in 2025, driven by increasing regulatory mandates and higher demand for automated SAR filings.

Customer identity management is projected to grow at the fastest CAGR of 17.78%, supported by strict KYC compliance requirements.

By End-user

Banks dominated the market in 2024 and are expected to capture 40% share in 2025. TMS enables automated compliance, risk scoring, and real-time alerts for high-risk activities.

E-commerce is expected to grow at the fastest rate (CAGR 17.17%) due to rising digital payments and fraud risks.

Regional Outlook

North America

North America secured USD 6.83 billion in 2024, supported by stringent regulations, high digital transaction volume, and rapid AI adoption. The U.S. alone is projected to reach USD 5.39 billion in 2025.

Europe

Europe is expected to hold USD 4.65 billion in 2025, driven by cross-border transaction monitoring and strict AMLD regulations. Germany is forecasted to reach USD 0.86 billion, while France is expected at USD 0.76 billion in 2025.

Asia Pacific

APAC is projected to reach USD 5.02 billion in 2025, with strong adoption in China (USD 1.20 billion in 2025), India (USD 0.76 billion), and Japan (USD 1.04 billion), fueled by digital wallets and AML regulations.

Middle East & Africa

MEA is set to hold USD 1.73 billion in 2025, with GCC markets contributing USD 0.54 billion, driven by mobile banking adoption and anti-fraud initiatives.

South America

Rapid digitalization and rising cybercrime are accelerating TMS adoption across Brazil, Chile, and Argentina.

Conclusion

Growing from USD 17.98 billion in 2024 to USD 20.28 billion in 2025, and ultimately reaching USD 50.71 billion by 2032, the transaction monitoring market is poised for robust expansion. Technologies such as AI, ML, and cloud platforms will drive the next generation of fraud detection and compliance solutions, ensuring stronger protection against financial crime.

Segmentation By Deployment

• Cloud
• On-premises

By Application

• Customer Identity Management
• Anti-Money Laundering
• Compliance Management
• Fraud Detection and Prevention

By End-user

• Banks
• Fintechs
• E-commerce
• Others (Insurance Companies, Crypto, etc.)

By Region

• North America (By Deployment, Application, End-user, and Country)
  • U.S.
  • Canada
  • Mexico
• South America (By Deployment, Application, End-user, and Country)
  • Brazil
  • Argentina
  • Rest of South America
• Europe (By Deployment, Application, End-user, and Country)
  • U.K.
  • Germany
  • France
  • Italy
  • Spain
  • Russia
  • Benelux
  • Nordics
  • Rest of Europe
• Middle East & Africa (By Deployment, Application, End-user, and Country)
  • Turkey
  • Israel
  • GCC
  • North Africa
  • South Africa
  • Rest of the Middle East & Africa
• Asia Pacific (By Deployment, Application, End-user, and Country)
  • China
  • India
  • Japan
  • South Korea
  • ASEAN
  • Oceania
  • Rest of Asia Pacific

Companies Profiled in the Report Oracle Corporation (U.S.), Experian Information Solutions, Inc. (Ireland), FICO (U.S.), SAS Institute, Inc. (U.S.), FIS (U.S.), Ondato (U.K.), Vespia OU (Estonia), Moody's Corporation (U.S.), NICE Actimize (U.S.), Acuity Knowledge Partners (U.K.), etc.

Table of Content

1. Introduction

• 1.1. Definition, By Segment
• 1.2. Research Methodology/Approach
• 1.3. Data Sources

2. Executive Summary

3. Market Dynamics

• 3.1. Macro and Micro Economic Indicators
• 3.2. Drivers, Restraints, Opportunities and Trends
• 3.3. Impact of Generative AI

4. Competition Landscape

• 4.1. Business Strategies Adopted by Key Players
• 4.2. Consolidated SWOT Analysis of Key Players
• 4.3. Global Transaction Monitoring Market Key Players (Top 3 - 5) Market Share/Ranking, 2024

5. Global Transaction Monitoring Market Size Estimates and Forecasts, By Segments, 2019-2032

• 5.1. Key Findings
• 5.2. By Deployment (USD)
  • 5.2.1. Cloud
  • 5.2.2. On-premises
• 5.3. By Application (USD)
  • 5.3.1. Customer Identity Management
  • 5.3.2. Anti-Money Laundering
  • 5.3.3. Compliance Management
  • 5.3.4. Fraud Detection and Prevention
• 5.4. By End-user (USD)
  • 5.4.1. Banks
  • 5.4.2. Fintechs
  • 5.4.3. E-commerce
  • 5.4.4. Others (Insurance Companies, Crypto, etc.)
• 5.5. By Region (USD)
  • 5.5.1. North America
  • 5.5.2. South America
  • 5.5.3. Europe
  • 5.5.4. Middle East & Africa
  • 5.5.5. Asia Pacific

6. North America Transaction Monitoring Market Size Estimates and Forecasts, By Segments, 2019-2032

• 6.1. Key Findings
• 6.2. By Deployment (USD)
  • 6.2.1. Cloud
  • 6.2.2. On-premises
• 6.3. By Application (USD)
  • 6.3.1. Customer Identity Management
  • 6.3.2. Anti-Money Laundering
  • 6.3.3. Compliance Management
  • 6.3.4. Fraud Detection and Prevention
• 6.4. By End-user (USD)
  • 6.4.1. Banks
  • 6.4.2. Fintechs
  • 6.4.3. E-commerce
  • 6.4.4. Others (Insurance Companies, Crypto, etc.)
• 6.5. By Country (USD)
  • 6.5.1. United States
  • 6.5.2. Canada
  • 6.5.3. Mexico

7. South America Transaction Monitoring Market Size Estimates and Forecasts, By Segments, 2019-2032

• 7.1. Key Findings
• 7.2. By Deployment (USD)
  • 7.2.1. Cloud
  • 7.2.2. On-premises
• 7.3. By Application (USD)
  • 7.3.1. Customer Identity Management
  • 7.3.2. Anti-Money Laundering
  • 7.3.3. Compliance Management
  • 7.3.4. Fraud Detection and Prevention
• 7.4. By End-user (USD)
  • 7.4.1. Banks
  • 7.4.2. Fintechs
  • 7.4.3. E-commerce
  • 7.4.4. Others (Insurance Companies, Crypto, etc.)
• 7.5. By Country (USD)
  • 7.5.1. Brazil
  • 7.5.2. Argentina
  • 7.5.3. Rest of South America

8. Europe Transaction Monitoring Market Size Estimates and Forecasts, By Segments, 2019-2032

• 8.1. Key Findings
• 8.2. By Deployment (USD)
  • 8.2.1. Cloud
  • 8.2.2. On-premises
• 8.3. By Application (USD)
  • 8.3.1. Customer Identity Management
  • 8.3.2. Anti-Money Laundering
  • 8.3.3. Compliance Management
  • 8.3.4. Fraud Detection and Prevention
• 8.4. By End-user (USD)
  • 8.4.1. Banks
  • 8.4.2. Fintechs
  • 8.4.3. E-commerce
  • 8.4.4. Others (Insurance Companies, Crypto, etc.)
• 8.5. By Country (USD)
  • 8.5.1. United Kingdom
  • 8.5.2. Germany
  • 8.5.3. France
  • 8.5.4. Italy
  • 8.5.5. Spain
  • 8.5.6. Russia
  • 8.5.7. Benelux
  • 8.5.8. Nordics
  • 8.5.9. Rest of Europe

9. Middle East & Africa Transaction Monitoring Market Size Estimates and Forecasts, By Segments, 2019-2032

• 9.1. Key Findings
• 9.2. By Deployment (USD)
  • 9.2.1. Cloud
  • 9.2.2. On-premises
• 9.3. By Application (USD)
  • 9.3.1. Customer Identity Management
  • 9.3.2. Anti-Money Laundering
  • 9.3.3. Compliance Management
  • 9.3.4. Fraud Detection and Prevention
• 9.4. By End-user (USD)
  • 9.4.1. Banks
  • 9.4.2. Fintechs
  • 9.4.3. E-commerce
  • 9.4.4. Others (Insurance Companies, Crypto, etc.)
• 9.5. By Country (USD)
  • 9.5.1. Turkey
  • 9.5.2. Israel
  • 9.5.3. GCC
  • 9.5.4. North Africa
  • 9.5.5. South Africa
  • 9.5.6. Rest of MEA

10. Asia Pacific Transaction Monitoring Market Size Estimates and Forecasts, By Segments, 2019-2032

• 10.1. Key Findings
• 10.2. By Deployment (USD)
  • 10.2.1. Cloud
  • 10.2.2. On-premises
• 10.3. By Application (USD)
  • 10.3.1. Customer Identity Management
  • 10.3.2. Anti-Money Laundering
  • 10.3.3. Compliance Management
  • 10.3.4. Fraud Detection and Prevention
• 10.4. By End-user (USD)
  • 10.4.1. Banks
  • 10.4.2. Fintechs
  • 10.4.3. E-commerce
  • 10.4.4. Others (Insurance Companies, Crypto, etc.)
• 10.5. By Country (USD)
  • 10.5.1. China
  • 10.5.2. India
  • 10.5.3. Japan
  • 10.5.4. South Korea
  • 10.5.5. ASEAN
  • 10.5.6. Oceania
  • 10.5.7. Rest of Asia Pacific

11. Company Profiles for Top 10 Players

• 11.1. Oracle Corporation
  • 11.1.1. Overview
    • 11.1.1.1. Key Management
    • 11.1.1.2. Headquarters
    • 11.1.1.3. Offerings/Business Segments
  • 11.1.2. Key Details (Key details are consolidated data and not product/service specific)
    • 11.1.2.1. Employee Size
    • 11.1.2.2. Past and Current Revenue
    • 11.1.2.3. Geographical Share
    • 11.1.2.4. Business Segment Share
    • 11.1.2.5. Recent Developments
• 11.2. Experian Information Solutions, Inc.
  • 11.2.1. Overview
    • 11.2.1.1. Key Management
    • 11.2.1.2. Headquarters
    • 11.2.1.3. Offerings/Business Segments
  • 11.2.2. Key Details (Key details are consolidated data and not product/service specific)
    • 11.2.2.1. Employee Size
    • 11.2.2.2. Past and Current Revenue
    • 11.2.2.3. Geographical Share
    • 11.2.2.4. Business Segment Share
    • 11.2.2.5. Recent Developments
• 11.3. FICO
  • 11.3.1. Overview
    • 11.3.1.1. Key Management
    • 11.3.1.2. Headquarters
    • 11.3.1.3. Offerings/Business Segments
  • 11.3.2. Key Details (Key details are consolidated data and not product/service specific)
    • 11.3.2.1. Employee Size
    • 11.3.2.2. Past and Current Revenue
    • 11.3.2.3. Geographical Share
    • 11.3.2.4. Business Segment Share
    • 11.3.2.5. Recent Developments
• 11.4. SAS Institute, Inc.
  • 11.4.1. Overview
    • 11.4.1.1. Key Management
    • 11.4.1.2. Headquarters
    • 11.4.1.3. Offerings/Business Segments
  • 11.4.2. Key Details (Key details are consolidated data and not product/service specific)
    • 11.4.2.1. Employee Size
    • 11.4.2.2. Past and Current Revenue
    • 11.4.2.3. Geographical Share
    • 11.4.2.4. Business Segment Share
    • 11.4.2.5. Recent Developments
• 11.5. FIS
  • 11.5.1. Overview
    • 11.5.1.1. Key Management
    • 11.5.1.2. Headquarters
    • 11.5.1.3. Offerings/Business Segments
  • 11.5.2. Key Details (Key details are consolidated data and not product/service specific)
    • 11.5.2.1. Employee Size
    • 11.5.2.2. Past and Current Revenue
    • 11.5.2.3. Geographical Share
    • 11.5.2.4. Business Segment Share
    • 11.5.2.5. Recent Developments
• 11.6. Ondato
  • 11.6.1. Overview
    • 11.6.1.1. Key Management
    • 11.6.1.2. Headquarters
    • 11.6.1.3. Offerings/Business Segments
  • 11.6.2. Key Details (Key details are consolidated data and not product/service specific)
    • 11.6.2.1. Employee Size
    • 11.6.2.2. Past and Current Revenue
    • 11.6.2.3. Geographical Share
    • 11.6.2.4. Business Segment Share
    • 11.6.2.5. Recent Developments
• 11.7. Vespia OU
  • 11.7.1. Overview
    • 11.7.1.1. Key Management
    • 11.7.1.2. Headquarters
    • 11.7.1.3. Offerings/Business Segments
  • 11.7.2. Key Details (Key details are consolidated data and not product/service specific)
    • 11.7.2.1. Employee Size
    • 11.7.2.2. Past and Current Revenue
    • 11.7.2.3. Geographical Share
    • 11.7.2.4. Business Segment Share
    • 11.7.2.5. Recent Developments
• 11.8. Moody's Corporation
  • 11.8.1. Overview
    • 11.8.1.1. Key Management
    • 11.8.1.2. Headquarters
    • 11.8.1.3. Offerings/Business Segments
  • 11.8.2. Key Details
    • 11.8.2.1. Employee Size
    • 11.8.2.2. Past and Current Revenue
    • 11.8.2.3. Geographical Share
    • 11.8.2.4. Business Segment Share
    • 11.8.2.5. Recent Developments
• 11.9. NICE Actimize
  • 11.9.1. Overview
    • 11.9.1.1. Key Management
    • 11.9.1.2. Headquarters
    • 11.9.1.3. Offerings/Business Segments
  • 11.9.2. Key Details
    • 11.9.2.1. Employee Size
    • 11.9.2.2. Past and Current Revenue
    • 11.9.2.3. Geographical Share
    • 11.9.2.4. Business Segment Share
    • 11.9.2.5. Recent Developments
• 11.10. Acuity Knowledge Partners
  • 11.10.1. Overview
    • 11.10.1.1. Key Management
    • 11.10.1.2. Headquarters
    • 11.10.1.3. Offerings/Business Segments
  • 11.10.2. Key Details
    • 11.10.2.1. Employee Size
    • 11.10.2.2. Past and Current Revenue
    • 11.10.2.3. Geographical Share
    • 11.10.2.4. Business Segment Share
    • 11.10.2.5. Recent Developments

12. Key Takeaways