은행 산업 IoT : 시장 점유율 분석, 업계 동향과 통계, 성장 예측(2026-2031년)

According to Mordor Intelligence, the internet of things in banking market size was valued at USD 39.16 billion in 2025 and estimated to grow from USD 51.4 billion in 2026 to reach USD 200.18 billion by 2031, at a CAGR of 31.25% during the forecast period (2026-2031).

This report is Segmented by Component (Solutions and Services), Application (Security, Monitoring, and More), Organization Size (Large Enterprises and Small and Medium Enterprises), End User (Retail Banking, Corporate Banking, Investment Banking, and More), and Geography.

Global Internet Of Things In Banking Market Trends and Insights

Omnichannel Customer-Experience Push

Banks wire sensors into ATMs, mobile apps, and wearables to create journeys that pivot seamlessly across physical and digital environments. NatWest upgraded 5,500 ATMs with 19-inch touchscreens and live telemetry that flags downtime before it occurs. The bank also released a retail-banking app for Apple Vision Pro so clients can move funds using gaze and gesture. Such integrations let institutions blend geolocation, device health, and purchase patterns to anticipate needs, lifting cross-sell accuracy by one-third on mature rollouts. Sensor analytics enable pre-visit branch staffing, queue alerts, and dynamic personalized offers that raise customer satisfaction scores by double digits. The Internet of Things in Banking market, therefore, benefits from higher user stickiness and reduced operating costs.

Real-Time Fraud Detection and Security

Distributed sensors feed anomaly engines that flag suspicious patterns in milliseconds. A federated-learning model combining device telemetry with transaction streams now achieves 96.3% fraud-detection accuracy while keeping data local for privacy. Smart cameras and environmental sensors guard ATMs and cash machines, detecting skimming devices or abnormal temperature spikes that hint at tampering. Blockchain hashes applied at the edge create immutable logs for dispute resolution, and on-device AI reduces false positives that once annoyed customers. Early adopters report fraud-loss reductions of more than 20% in the first implementation year. Security urgency propels continual investment, fortifying the Internet of Things in the Banking market against cybercrime-related hesitancy.

Data-Privacy and Cybersecurity Concerns

The EU Cyber Resilience Act obliges manufacturers to ship devices with automatic security updates, exposing vendors that cannot maintain over-the-air patching. Banks must track diverging rules from California's Consumer Privacy Act to India's Digital Personal Data Protection law, adding compliance overhead. Breaches at a single sensor can undermine banking cores if segmentation is weak. Federated-learning pilots show 99.94% model accuracy without exporting raw data, but most lenders still face skills gaps in securing device fleets. Rising insurance premiums for cyber coverage inflate project costs and can slow adoption within the Internet of Things in Banking market.

Other drivers and restraints analyzed in the detailed report include:

1. Regulatory Open-Banking Mandates
2. IoT-Enabled Embedded Payments (Cars and Appliances)
3. Device / Platform Interoperability Gaps

For complete list of drivers and restraints, kindly check the Table Of Contents.

Segment Analysis

Services hold 57.40% of 2025 revenue, underscoring that domain expertise, regulatory insight, and 24-hour support tilt outcomes in complex rollouts. The Internet of Things in Banking market size for services is projected to expand at 30.40% CAGR, reflecting demand for integrators who stitch sensors into legacy cores and cloud fabrics. Banks often outsource threat modeling, compliance mapping, and device-life-cycle governance to reduce risk. Solutions cover hardware kits, software platforms, and connectivity bundles, and they benefit from cloud-native shifts that let lenders retire on-premises data centers. Joint offers, such as IBM-Wipro's AI-enabled platform, bundle analytics and cyber hardening, amplifying competition among solution providers.

Second-generation deployments favor pay-as-you-grow managed services, pushing smaller banks to embrace turnkey bundles rather than capex-heavy in-house builds. Vendors are packaging edge-compute nodes with pre-certified connectors for open-banking APIs, trimming time to value. Hardware margins remain thin, so suppliers pivot to annuity models around device monitoring and predictive maintenance. As cloud vendors release financial-grade edge stacks, the Internet of Things in Banking market further tilts toward service-centric economics.

Security applications captured 35.80% of 2025 revenue and expand at 33.80% CAGR, riding regulatory imperatives and growing attack vectors. The Internet of Things in Banking market size for security reached USD 18.76 billion in 2026 and is forecast to exceed USD 80.29 billion by 2031. Smart ATMs detect temperature anomalies, shock events, or tampering patterns and can lock dispensers automatically. Device-level encryption and root-of-trust chips now ship by default in premium terminals, reducing compliance audit time.

Monitoring, data management, and customer experience modules share infrastructure but vary in analytics heft. Banks leverage telemetry to optimize branch energy use, cutting power costs by up to 12% year over year. Customer-experience engines marry foot-traffic sensors with CRM histories to trigger in-branch personalized greetings. Integrated platforms that host multiple applications on the same sensor grid help reduce overall TCO, broadening appeal across the Internet of Things in the Banking market.

Complete Report Scope:

• By Component
  • Solutions
  • Services
• By Application
  • Security
  • Monitoring
  • Data Management
  • Customer Experience Management
  • Other Applications
• By Organization Size
  • Large Enterprises
  • Small and Medium Enterprises
• By End User
  • Retail Banking
  • Corporate Banking
  • Investment Banking
  • Non-Banking Financial Companies
  • Insurance
• By Geography
  • North America
    • United States
    • Canada
    • Mexico
  • South America
    • Brazil
    • Argentina
    • Rest of South America
  • Europe
    • Germany
    • United Kingdom
    • France
    • Russia
    • Rest of Europe
  • Asia Pacific
    • China
    • India
    • Japan
    • South Korea
    • Rest of Asia Pacific
  • Middle East and Africa
    • Middle East
      • Saudi Arabia
      • United Arab Emirates
      • Turkey
      • Rest of Middle East
    • Africa
      • South Africa
      • Nigeria
      • Rest of Africa

Geography Analysis

North America retains leadership with 37.90% of 2025 revenue, buoyed by solid cyber legislation and early fintech-bank partnerships. Sensor-enabled branches post 30-40% productivity uplifts, and quantum-trial algorithms run 1,000 times faster than legacy optimizers. Canada advances cash-circle inclusion through connected community ATMs, while Mexico leverages IoT-based remittance kiosks that cut transaction fees. The Internet of Things in Banking market sees federal support for 5G expansion into underserved zones, flattening latency disparities across the continent.

Asia-Pacific is the growth engine, charging ahead at 32.70% CAGR. China's AIBank serves more than 100 million customers on microservices cores that ingest IoT data to personalize lending. India deploys edge mini-data centers to extend mobile banking into rural districts where fiber remains sparse. Southeast Asian super-apps fuse ride-hailing, food delivery, and instant credit, with IoT sensors tracking driver performance for dynamic insurance pricing. Regional regulators fast-track sandbox approvals, ensuring the Internet of Things in Banking market captures rising smartphone penetration.

Europe predicates progress on privacy and ESG. PSD3 and the pending PSR impose mandatory authentication and harmonized APIs, fostering secure device onboarding. Institutions integrate energy-monitoring sensors to gauge carbon footprints, aligning with commitments to net-zero roadmaps. Device makers embed power-thrifty chips, addressing scrutiny over IoT electricity draw. In emerging regions of Latin America and the Middle East and Africa, payments modernization programs and mobile-money regimes create fertile ground for leapfrogging deployments. For instance, Brazil's PIX and Nigeria's eNaira rails allow IoT endpoints to initiate real-time payments, diversifying revenue sources within the Internet of Things in Banking market.

1. IBM Corporation
2. Microsoft Corporation
3. Cisco Systems Inc.
4. Oracle Corporation
5. Accenture plc
6. Temenos AG
7. Infosys Limited
8. Software AG
9. Vodafone Group plc
10. Tibbo Systems
11. SAP SE
12. Capgemini SE
13. Intel Corporation
14. Amazon Web Services
15. FIS Global
16. NCR Atleos
17. Thales Group
18. Diebold Nixdorf
19. HPE (Aruba)
20. Huawei Technologies

Additional Benefits:

• The market estimate (ME) sheet in Excel format
• 3 months of analyst support

TABLE OF CONTENTS

1 INTRODUCTION

• 1.1 Study Assumptions and Market Definition
• 1.2 Scope of the Study

2 RESEARCH METHODOLOGY

3 EXECUTIVE SUMMARY

4 MARKET LANDSCAPE

• 4.1 Market Overview
• 4.2 Market Drivers
  • 4.2.1 Omnichannel customer-experience push
  • 4.2.2 Real-time fraud detection and security
  • 4.2.3 Regulatory open-banking mandates
  • 4.2.4 Branch/ATM cost-optimization via sensors
  • 4.2.5 IoT-enabled embedded payments (cars and appliances)
  • 4.2.6 Edge-analytics-driven hyper-personalized microlending
• 4.3 Market Restraints
  • 4.3.1 Data-privacy and cybersecurity concerns
  • 4.3.2 Device / platform interoperability gaps
  • 4.3.3 Rural 5G latency bottlenecks
  • 4.3.4 ESG scrutiny on IoT energy consumption
• 4.4 Value Chain Analysis
• 4.5 Regulatory Landscape
• 4.6 Technological Outlook
• 4.7 Porter's Five Forces Analysis
  • 4.7.1 Bargaining Power of Suppliers
  • 4.7.2 Bargaining Power of Buyers
  • 4.7.3 Threat of New Entrants
  • 4.7.4 Threat of Substitute Products
  • 4.7.5 Intensity of Competitive Rivalry
• 4.8 Key Use-cases and Case Studies
  • 4.8.1 Tracking raw-material inventory for loan underwriting
  • 4.8.2 Farm-output analytics for flexible lending terms
  • 4.8.3 IoT-driven cyber-attack prevention systems
• 4.9 Retail Banking Landscape
  • 4.9.1 Beacon-enabled ATM pre-announce (JPM Chase)
  • 4.9.2 In-branch navigation for disabled customers (Barclays)
  • 4.9.3 Beacon revival of under-used branches (US Bank and Citi)

5 MARKET SIZE AND GROWTH FORECASTS (VALUE)

• 5.1 By Component
  • 5.1.1 Solutions
  • 5.1.2 Services
• 5.2 By Application
  • 5.2.1 Security
  • 5.2.2 Monitoring
  • 5.2.3 Data Management
  • 5.2.4 Customer Experience Management
  • 5.2.5 Other Applications
• 5.3 By Organization Size
  • 5.3.1 Large Enterprises
  • 5.3.2 Small and Medium Enterprises
• 5.4 By End User
  • 5.4.1 Retail Banking
  • 5.4.2 Corporate Banking
  • 5.4.3 Investment Banking
  • 5.4.4 Non-Banking Financial Companies
  • 5.4.5 Insurance
• 5.5 By Geography
  • 5.5.1 North America
    • 5.5.1.1 United States
    • 5.5.1.2 Canada
    • 5.5.1.3 Mexico
  • 5.5.2 South America
    • 5.5.2.1 Brazil
    • 5.5.2.2 Argentina
    • 5.5.2.3 Rest of South America
  • 5.5.3 Europe
    • 5.5.3.1 Germany
    • 5.5.3.2 United Kingdom
    • 5.5.3.3 France
    • 5.5.3.4 Russia
    • 5.5.3.5 Rest of Europe
  • 5.5.4 Asia Pacific
    • 5.5.4.1 China
    • 5.5.4.2 India
    • 5.5.4.3 Japan
    • 5.5.4.4 South Korea
    • 5.5.4.5 Rest of Asia Pacific
  • 5.5.5 Middle East and Africa
    • 5.5.5.1 Middle East
      • 5.5.5.1.1 Saudi Arabia
      • 5.5.5.1.2 United Arab Emirates
      • 5.5.5.1.3 Turkey
      • 5.5.5.1.4 Rest of Middle East
    • 5.5.5.2 Africa
      • 5.5.5.2.1 South Africa
      • 5.5.5.2.2 Nigeria
      • 5.5.5.2.3 Rest of Africa

6 COMPETITIVE LANDSCAPE

• 6.1 Market Concentration
• 6.2 Strategic Moves
• 6.3 Market Share Analysis
• 6.4 Company Profiles (includes Global level Overview, Market level overview, Core Segments, Financials as available, Strategic Information, Market Rank/Share for key companies, Products and Services, and Recent Developments)
  • 6.4.1 IBM Corporation
  • 6.4.2 Microsoft Corporation
  • 6.4.3 Cisco Systems Inc.
  • 6.4.4 Oracle Corporation
  • 6.4.5 Accenture plc
  • 6.4.6 Temenos AG
  • 6.4.7 Infosys Limited
  • 6.4.8 Software AG
  • 6.4.9 Vodafone Group plc
  • 6.4.10 Tibbo Systems
  • 6.4.11 SAP SE
  • 6.4.12 Capgemini SE
  • 6.4.13 Intel Corporation
  • 6.4.14 Amazon Web Services
  • 6.4.15 FIS Global
  • 6.4.16 NCR Atleos
  • 6.4.17 Thales Group
  • 6.4.18 Diebold Nixdorf
  • 6.4.19 HPE (Aruba)
  • 6.4.20 Huawei Technologies

7 MARKET OPPORTUNITIES AND FUTURE OUTLOOK

• 7.1 White-space and Unmet-need Assessment