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트랜잭션 모니터링 시장 : 성장, 동향, COVID-19의 영향, 예측(2021-2026년)

Transaction Monitoring Market - Growth, Trends, COVID-19 Impact, and Forecasts (2022 - 2027)

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발행일 2022년 01월 상품코드 989441
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트랜잭션 모니터링 시장 : 성장, 동향, COVID-19의 영향, 예측(2021-2026년) Transaction Monitoring Market - Growth, Trends, COVID-19 Impact, and Forecasts (2022 - 2027)
발행일 : 2022년 01월 페이지 정보 : 영문

본 상품은 영문 자료로 한글과 영문 목차에 불일치하는 내용이 있을 경우 영문을 우선합니다. 정확한 검토를 위해 영문목차를 참고해주시기 바랍니다.

트랜잭션 모니터링 시장 규모는 2021-2026년 예측기간 중 14.5%의 CAGR로 확대될 것으로 예측됩니다. 의심스러운 트랜잭션 확인과 고객의 트랜잭션 분석은 트랜잭션 모니터링의 중요한 특성입니다. 더욱 위험 관리를 개선하고, 오감지를 줄이기 위해 AML(자금세탁방지) 자동화는 이 부문의 모든 비지니스에 있어서 유일한 해결책이며, 향후에도 발전할 것으로 보입니다. 기업은 AML에 지능형 구현을 실시하고, 필요에 따라서 빅데이터를 실시간으로 처리할 수 있도록 하는 것을 목표로 하고 있습니다. 예측 모델링을 구축해 고객의 향후 위험을 평가하고, 머신러닝(ML)을 사용해 인간 대상 분야의 전문 지식을 크게 스피드업합니다. 규제 당국도 감시, 분석, 보고 및 범죄를 신속히 캐치하거나, 범죄를 완전하게 방지하는 자금세탁 시나리오 구축을 지원하기 위해 인공지능과 기계 기반 학습(ML)을 요구하고 있습니다.

잠재적 위험 있는 트랜잭션을 확인하기 위한 KYT(Know Your Transactions) 채용은 시장을 견인하고 있습니다. KYT의 목적은 자금세탁이나 사기 거래를 검출하기 위해서 위험한 거래와 그 기저에 있는 비정상적 행동을 특정하는 것입니다. 트랜잭션 자동 집중의 도움을 빌려 달성하기 위해서는 원래의 데이터 소스를 통해 직접 정확하고 관련성 있는 정보를 취득할 필요가 있습니다. 이러한 데이터 사례로서 계약서, 통관 서류, 구입 청구서 등이 있습니다. 또한 온라인 뱅킹 또는 GeoData 사용을 위한 IP 주소는 지불원에 관한 정보를 제공할 가능성이 있습니다.

또한 평균적으로 매일 처리되는 신용카드 거래의 99.85%가 합법입니다. 따라서 사기 검출은 어려운 것입니다. KYT는 검출된 이상 수를 최대화하고, 부정한 신용카드 거래를 검출할 수 있습니다. 2019년 8월 Telindus는 AI의 힘을 활용한 KYT 컨셉 고안을 발표했습니다. 이 솔루션은 AML 및 PSD2 규제에 대한 대응을 목적으로 하고 있습니다.

엄격한 규제 컴플라이언스 강화가 시장을 견인하고 있습니다. 빠르게 변화하는 규제 환경에서 최근 자금세탁방지 및 제재의 규제 컴플라이언스는 세계 규제 당국에 있어서 주목받고 있는 분야입니다. 2020년 4월 Blockchain 조사기관인 Chainalysis는 10개의 추가 ERC-20 토큰 헬프를 추가하고, 자금세탁방지 감시 서비스 달성도를 높였습니다. 이러한 추가에 의해 Chainalysis의 컴플라이언스, 규제 및 감시 소프트웨어 프로그램이 실행됩니다. eagle-eyed의 AML 소프트웨어 프로그램은 엄격한 국제적인 자금세탁 세이프가드를 통과하는 암호 교환 사이에서 일반적입니다. 미국의 무역 Bittrex는 Chainalysis KYT 소프트웨어 프로그램을 이용해 의심스러운 트랜잭션을 감시하기 시작하고, Binance의 멤버가 되었습니다. 규제 당국으로의 컴플라이언스 향상에 의해 트랜잭션 모니터링 소프트웨어 수요는 크게 증가할 것으로 예상됩니다.

트랜잭션 모니터링(Transaction Monitoring) 시장에 대해 조사했으며, 시장 개요와 함께 컴포넌트별, 지역별 동향 및 시장에 참여하는 기업 개요 등을 제공합니다.

목차

제1장 서론

제2장 조사 방법

제3장 주요 요약

제4장 시장 역학

  • 시장 개요
  • 시장 성장 촉진요인
    • 잠재적 위험 있는 트랜잭션을 확인하기 위한 KYT(Know Your Transactions) 채용
    • 엄격한 규제 컴플라이언스 강화
  • 시장 성장 억제요인
    • 현재 소프트웨어 솔루션에서 오감지의 높은 비율
  • 지역간 정보 공유 구조 개요(미국 - 314(b), 영국 - 공동 자금세탁 인텔리전스 태스크포스(JMLIT) 등)
  • 업계의 매력 - Porter's Five Forces 분석
    • 신규 참여업체의 위협
    • 구매자의 협상력/소비자의 협상력
    • 공급 기업의 협상력
    • 대체 제품의 위협
    • 경쟁 기업간 경쟁 관계
  • Covid-19의 업계에 대한 영향 평가

제5장 시장 세분화

  • 컴포넌트별
    • 솔루션
    • 서비스
  • 지역별
    • 북미
    • 유럽
    • 아시아태평양
    • 라틴아메리카
    • 중동과 아프리카

제6장 경쟁 상황

  • 기업 개요
    • Fair Isaac Corp.
    • BAE Systems Plc
    • Oracle Corporation
    • SAS Institute Inc.
    • Infrasoft Technologies Limited
    • Fiserv, Inc.
    • Experian Plc
    • Refinitiv Ltd.
    • ACTICO GmbH
    • Beam Solutions, Inc.

제7장 투자 분석

제8장 시장 기회와 동향

KSM 21.02.24

The transaction monitoring market expected to grow at a CAGR of 14.5% during the forecast period 2021 - 2026. Identifying suspicious transactions and analysis of a customer's transactions is the key property of transaction monitoring. Further to improve risk management and reduce false positives, AML (Anti-Money Laundering) automation is the only way solution for all businesses in the sector and is an upcoming trend for the market. Firms are looking to implement intelligent in AML and able to process big data in real-time if necessary; build predictive modeling to assess the future risk of their customers, and even use machine learning (ML) to massively speed up human subject-matter expertise. Regulators, too, are looking to artificial intelligence and machine-based learning (ML) for help with supervision, analytics, reporting, and building money-laundering scenarios that catch crime quickly or prevent it altogether.

Key Highlights

  • Adoption of KYT (Know Your Transactions) to identify potentially risky transactions is driving the market. The aim of KYT is to identify risky transactions and the underlying unusual behavior to detect money laundering and fraud transaction. With accurate and relevant information directly through the original data sources would be necessary to achieve with the help of an automated concentration of transactions. Examples of such data are contracts, customs documents, or invoices for purchases. Additionally, IP addresses for online banking or the use of GeoData could provide information about the origin of the payment.
  • Further, on average, 99.85% of the credit card transactions processed every day are legit; therefore, detecting fraud becomes tedious. KYT maximizes the number of anomalies detected and can detect the fraud credit card transaction. In August 2019, Telindus announced to come up with a KYT concept leveraging the power of AI, and the solution aims at responding to the AML and PSD2 regulations.
  • Increasing stringent regulatory compliance drives the market. In a rapidly changing regulatory environment, in recent years, Anti-Money Laundering and Sanctions regulatory compliance have been a focus area of attention for regulators worldwide. In April 2020, Blockchain investigations agency Chainalysis has added help for ten extra ERC-20 tokens, increasing the attain of its anti-money laundering monitoring service. The additions carry Chainalysis's compliance, regulatory, and monitoring software program. The eagle-eyed AML software program is common amongst crypto exchanges going through stringent international money-laundering safeguards. U.S. trade Bittrex started utilizing the Chainalysis KYT software program to monitor suspicious transactions, becoming a member of Binance. With increasing regulator compliance, the demand for transaction monitoring software is expected to grow significantly.
  • Further, the impact of COVID-19 pandemic supports the market growth as the financial fraud cases tends to rise, with increasing fraud transaction for the COVID-19 donation. These instances signify the need for transaction monitoring. At First Abu Dhabi Bank (FAB), they effectively track record in protecting their customers from fraud and in adopting global best practices in their banking operations during a pandemic. In recent weeks of April 2020, the number of fraud cases globally has increased sharply, where some security firms stating by as much as 600 percent rate, as criminals seek to use the COVID-19 outbreak to open new lines of attack.
  • Further, banks should align their transaction-monitoring systems with their highest risks and weigh the efficiency ratings of alerts their systems have historically produced. Regulators such as the FCA have released guidance to firms where ultimately, financial institutions still have a responsibility to monitor their customers' activity, identify and investigate unusual or suspicious behavior and report this to the relevant authorities in a reasonable time.
  • The high percentage of false positives with current software solutions challenges the market to grow. Today most of the financial institutions use rules-based transaction monitoring and KYC systems to fight money laundering. With this solution, detection scenarios currently only produce alerts following on known and existing scenarios. There is no ability to detect new scenarios similar to the zero-day attacks in cybersecurity, which adheres to the result of false-positive output.

Key Market Trends

Recent Fines Faced By Banks and other Organizations By Regulators

  • The Financial and Capital Market Commission (FCMC) is a public body that oversees financial institutions in Lithuania. FCMC fined Signet Bank of Latvia EUR 906,610 for violating anti-money laundering (AML) and anti-terrorism financing regulatory requirements. The reasons for the fines include the Bank's inadequate internal control system, customer-based risks and violations, and deficiencies regarding risk management. (July 2020).
  • The New York State Department of Financial Services imposed penalties on Deutsche Bank AG, the New York branch, and Deutsche Bank Trust Company America for AML compliance failures as well as correspondent banking relationships with Danske Bank Estonia and FBME Bank. Deutsche Bank faced a penalty of USD 216.1 million as a result of this decision. (July 2020).
  • The United Kingdom's financial regulator, the Financial Conduct Authority (FCA), fined the Commerzbank London branch EUR 37.8 million for violations of AML controls. The FCA stated that the violations stemming from Commerzbank pose great financial crime risks and damage the stability and integrity of the financial system in the United Kingdom. As a result of FCA's audits, Commerzbank London detected three major failures, including the failure of periodic due diligence on its customers. The bank was also found to be insufficient in the control procedures of money laundering risks in customer transactions. (June 2020).
  • Hong Kong's Securities and Futures Commission (SFC) imposed a USD 25.2 million fine on Guotai Junan Securities (Hong Kong) Limited for violations of AML processes. The reasons for the AML penalty included the failure to regularly monitor customer transactions and delays in reporting processes. (June 2020).
  • Hence rise in such fines and need for monitoring customers transactions indicates the need for robust transaction monitoring solutions.

Europe Accounts to Hold Significant Market Share

  • In October 2019, a Joint Opinion published by EIOPA, EBA, and ESMA, the three main European Supervisory Authorities (ESAs), stated that they found weaknesses in the control frameworks of financial institutions regarding transaction monitoring and suspicious transactions reporting, especially in segments having high transaction volumes. The ESAs acknowledged in their opinion that the use of new technologies provides ample opportunities to better fight financial crime.
  • According to the European Banking Authority(EBA), AML is the top priority for the European Union in 2020 as terrorist financing, and money laundering are the main threatening risks. To address such an issue, EBA would form a new committee to ensure a collaborative approach towards the problem by working on the superimposable implementation of different policies. The focus is to investigate the breaches of AML regulations and take necessary actions.
  • Europe witnessed many money laundering scandals in 2019. For instance, the Danske Bank (Denmark) scandal which exposed the threatening level of suspects that flowed unchecked through European banks in past years.
  • This scandal has witnessed Denmark's largest lender facing a plethora of investigations, probes, recriminations, and accusations in various countries for its monitoring, reporting, and handling of some EUR 200 billion, or more than USD 224 billion, in potentially suspicious transactions tied to Russia.
  • Hence, European authorities would be less lenient and more assertive with enforcement when dealing with such financial crimes. As the United Kingdom is committed to being a leader in fighting financial crimes and providing effective financial regulations, the enactment of the sanction and AML bill would give the UK the power to introduce its own AML legislation bill. According to Fenergo, UK regulators issued five fines worth USD 224.8 million in the full year of 2019.

Competitive Landscape

The transaction monitoring market is fragmented in nature, and the major players have used various strategies such as new product launches, expansions, mergers, and acquisitions, etc. which potentially creates a highly competitive environment. Key players are Fair Isaac Corp., BAE Systems Plc. Recent developments in the market are -

  • September 2020 - Exchange group Nasdaq stated that it is introducing AI technology to help retail and commercial banks automate AML investigations as it expands into the financial crime software market. The company hopes that the system can make it quicker and cheaper for banks and other financial organizations to examine through the deluge of alerts flagging possible cases of money laundering generated by bank transaction monitoring systems.
  • April 2020 - Huobi Group launched an in-house transaction intelligence tool to dampen out illicit activity across its crypto exchanges. The new program, called Star Atlas, will automatically freeze accounts deemed to be engaging in suspicious transactions until a compliance officer follows up on the case. It will help Huobi's exchanges target abnormal behaviors and problematic transactions in real-time.

Additional Benefits:

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

TABLE OF CONTENTS

1 INTRODUCTION

  • 1.1 Study Deliverables
  • 1.2 Study Assumptions
  • 1.3 Scope of the Study

2 RESEARCH METHODOLOGY

3 EXECUTIVE SUMMARY

4 MARKET DYNAMICS

  • 4.1 Market Overview
  • 4.2 Market Drivers
    • 4.2.1 Adoption of KYT (Know Your Transactions) to Identify Potentially Risky Transactions
    • 4.2.2 Increasing Stringent Regulatory Compliance
  • 4.3 Market Restraints
    • 4.3.1 High Percentage of False Positives with Current Software Solutions
  • 4.4 Overview of Information-Sharing Structures across regions(US - 314(b), UK - Joint Money Laundering Intelligence Taskforce (JMLIT) etc.)
  • 4.5 Industry Attractiveness - Porter's Five Forces Analysis​
    • 4.5.1 Threat of New Entrants
    • 4.5.2 Bargaining Power of Buyers/Consumers
    • 4.5.3 Bargaining Power of Suppliers
    • 4.5.4 Threat of Substitute Products
    • 4.5.5 Intensity of Competitive Rivalry
  • 4.6 Assessment of Impact of Covid-19 on the Industry

5 MARKET SEGMENTATION

  • 5.1 Component
    • 5.1.1 Solution
    • 5.1.2 Services
  • 5.2 Geography
    • 5.2.1 North America
    • 5.2.2 Europe
    • 5.2.3 Asia Pacific
    • 5.2.4 Latin America
    • 5.2.5 Middle East and Africa

6 COMPETITIVE LANDSCAPE

  • 6.1 Company Profiles
    • 6.1.1 Fair Isaac Corp.
    • 6.1.2 BAE Systems Plc
    • 6.1.3 Oracle Corporation
    • 6.1.4 SAS Institute Inc.
    • 6.1.5 Infrasoft Technologies Limited
    • 6.1.6 Fiserv, Inc.
    • 6.1.7 Experian Plc
    • 6.1.8 Refinitiv Ltd.
    • 6.1.9 ACTICO GmbH
    • 6.1.10 Beam Solutions, Inc.

7 INVESTMENT ANALYSIS

8 MARKET OPPORTUNITIES AND FUTURE TRENDS

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