2020년: 43m, 2021년: 142m, 2022년: 340m, 2023년: 533m로 수치에 큰 차이가 있다.
확실한 것은 이전 글에도 언급했듯이 지문카드 시장이 열린다면, FPC, IDEX 2강 체제에 대만 Elan, Next Biometrics, 중국 DMT(Datang Microelectronics Tech.) 3약 체제를 예상했는데 지금 싯점에도 변화가 없다. 중국 시장은 UnionPay가 자국 센서(DMT)나 Guoxin Microelectronics(紫光国微)에 특혜를 줄 경우를 제외하고는 현재 FPC, IDEX가 글로벌 시장과 마찬가지로 주요 중국 카드 제조업체와 솔루션업체와의 제휴상태를 볼 때 강세를 예상한다.
중국 스마트폰 시장의 강자인 Goodix는 개인적으로는 전력소모등의 이유로 스마트카드 시장에서는 진입이 어려울 것으로 예상했으나 알아본 바에 의하면 오래전에 전해드렸듯이 처음부터 스마트카드 시장에 관심을 보이지 않았다. 그 이유는 중국은 스마트폰을 이용한 온라인/오프라인 결제시장이 발달되었기 때문이다.
글로벌 시장은 Gemalto, IDEMIA(Thales-탈레스로 개명)등에 의해 주도되고 있으나 중국에서 보듯 각 나라마다 주요 공급업체가 있을 것이다.
특이한 것은 거의 모든 주요 공급업체가 FPC, IDEX와 복수 또는 FPC이 비중이 높은 제휴를 하였는데 최근에 Zwipe와 제휴를 늘리고 있는 것이다. 이것은Zwipe가 가진 NFC 자기장을 이용한 배터리 없는 지문카드 특허때문으로 보인다. Zwipe는 최근 카드용 저전력 칩도 발표한 바 있다.
국내업체도 코나아이, 한국스마트카드아이디(KSID), 라이온시큐리티, 마늘랩, 동운아나텍, 크루셜텍, 에어큐브, 센스톤등 10여개 이상의 기업이 위 센서업체와 제휴를 통해 시제 카드를 개발하고 진입준비를 마친 것으로 파악되고 있다.
At IDEX Biometrics, we’re seeing the potential for a lot of growth in the biometric payment card and access control markets for 2020. We expect to see positive developments in manufacturing and certification of biometric payment cards, thanks to increasing consumer demands for secure payments. It’s my strong belief that both the biometric payment card and access control markets will fully materialise in the coming year. Therefore, my predictions for the biometric industry in 2020 are:
APAC will lead the way in biometric adoption
Biometric payment technology will become increasingly necessary to combat payment fraud in 2020. It looks like Asia will be leading the way in this field, in terms of adoption, production and implementation. The coming year will be pivotal as we start to see certification for the biometric payment card take off across Asia.
IDEX is also excited to see growing interest from Australasia. We expect to be introducing biometric smart cards there in 2020 with Quest Payment Systems, Australia’s largest payment technology supplier.
European regulation will drive innovation
Delays to the Strong Customer Authentication (SCA) ruling will prove a key driver for biometric adoption in 2020. The use of biometric payment cards to authenticate online payments will offer an important way for retailers to balance security measures that comply with the SCA regulation whilst also delivering ease-of-use for the consumer.
Contactless payment limits will disappear
Thanks to advancements in biometric fingerprint authentication technology, payment security no longer comes at the cost of convenience. Next year, increased fingerprint biometric authorisation will secure payment cards, removing the need for PINS and reducing the need for the £30 payment limit, all while making the transaction process faster.
Young consumers will demand biometric adoption
Regulation aside, it will ultimately be people power that propels biometric payment technology to mass adoption. We already know that Generation Z will make up 40% of all consumers by 2020. So it’s important to acknowledge that they expect to be using new, secure biometric technology for increased payment security and convenience. Our latest research found 62% of Generation Z think all banks should offer biometric payment cards to help reduce fraud. In response to this demand, banks will have to introduce fingerprint biometric payment cards to keep young customers, protect users from fraud and build trust with the consumers of tomorrow.
Financial inclusion will come to the fore
1.7 billion adults remain unbanked today. 2020 is the year this will have to change. Payment methods must be accessible and come at an affordable cost for all consumers. In the coming year, fingerprint authentication cards will eradicate a number of obstacles that stand in the way of financial inclusion. Consumers can be linked directly to their card by their fingerprint alone, supporting those without official identification, while home enrolment devices also save individuals from having to leave the house to register. This will allow consumers to hold on to financial independence for longer, no matter their physical or financial restraints.
Card-not-present fraud will be tackled head-on
The next crucial step for IDEX Biometrics and the wider industry will be to tackle card-not-present (CNP) fraud effectively. Biometric payment cards have the potential to strengthen online payment security and SCA compliance for e-commerce retailers. The addition of a digital dynamic Card Verification Value (CVV) number on the card, for example, will present a new one-time code whenever the card owner’s fingerprint is presented on the card – making online payment fraud a thing of the past.”
The 3rd Next-Generation Cards Conference and Exhibition was held on 15-16 October in Singapore. The conference continues to explore the transition from legacy card products towards a new era of payment and identity card solutions.
Who was there The success of this unique industry event was reflected by the leading technology providers for the new era of payment and identity card solutions that came from across Asia and around the world to participate in Next-Generation Cards 2019:
Delegates came from the global card industry, including card solutions providers (IDEMIA, Giesecke+Devrient, VALID, WatchData, UBIVELOX, ZC Microelectronics …), inlay, module (Linxens, SPS, …) and chip manufacturers (STMicroelectronics, Infineon, NXP, Sony, …).
The three biometric sensor manufacturers (IDEX, Next Biometrics, Fingerprint Cards) now driving the market for biometric cards joined the conference, together with leading biometric card technology companies (Zwipe, Precise Biometrics).
New entrants to the card business, such as NGK Insulators - card batteries, Riot Micro - connected cards, and Interactive Cards - innovative volume manufacturing for next-generation cards) also exhibited and spoke in the conference.
International payment systems Senior executives from Mastercard, Visa and JCB with responsibility for EMV biometric contactless payment cards and dynamic code display cards for online payments attended both days of the conference. Mastercard and Visa discussed standards, functional specifications and approval processes for next-generation card products.
The biggest change to cards in over 10 years The conference focuses on the most important changes to payment cards since EMV contactless payment cards were introduced more than 10 years ago. Over the last 12 months biometric cards have transitioned from an emerging technology to certified EMV payment card products and dynamic code display cards have been launched in every global region. Industry experts discussed the next steps for building a volume market for next-generation cards.
The Focus for Disruptive Innovations in the Cards Business
1. The already positive outlook for payment cards is now being accelerated by a number of factors that include migration to contactless cards, the growth of domestic card schemes, new cardholders in developing markets and a growing number of new entrants not traditionally in the card issuing business that see the value of issuing payment cards.
2. Mobile payments and digital channels are expected to increase but this will take time. Mobile and particularly mobile QR is not a perfect fit in all applications and scenarios. The payments industry understands that consumers should be offered the choice of a variety of payment solutions. Payment cards will continue to be an important form factor.
3. Mobile-focused e-payment, wallet and fintech companies are realising the limitations of a single payment channel and looking to issue payment cards. Driven by regulators, the number of challenger banks and virtual banks is increasing across Asia and are also creating a new category of payment card issuers.
4. Industry development of next-generation card solutions is now yielding results as products are launched into the market. Biometric smart cards now have real momentum and have been launched in retail payments, identity, financial inclusion and access control. Dynamic code verification card products have been launched in every global region.
5. Biometric EMV contactless payment cards prevent fraudsters from making payments on lost and stolen cards and remove the adverse media coverage and customer concerns raised by fraudsters on stolen card spending sprees. They also eliminate the possibility of so-called contactless skimming scams and related hacker claims.
6. Biometric cards pave the way for high value contactless card payments. Today it is difficult or impossible for cardholders to make higher value EMV contactless card payments; PIN is not an intuitive fit with a contactless tap. Biometric on-card CVM supports EMV contactless card payments of any ticket size.
7. In contrast to EMV migration and the introduction of contactless payments, biometric payment cards require no changes to existing POS infrastructure. Cardholders can immediately begin using their fingerprint instead of their PIN, as they have already learned to do with their smartphones, to verify their identity with every transaction.
8. The conference explored the important subject of customer enrolment for biometric cards. The range of options includes in branch, at payment terminals, using a mobile device and app, or using a self-enrolment device. Industry focus is currently on disposable self-enrolment devices that are delivered to customers with the card.
9. Biometric payment cards require no changes to existing payment infrastructure but biometric on-card enrolment is a completely new experience for customers. Development of self-enrolment devices for biometric cards as well as supporting market and customer education will be critical for successful rollouts.
10. Biometric payment cards will need to deliver an optimal consumer experience from the first time the customer touches the card. An intuitive, efficient and reliable customer enrolment experience is a prerequisite for customers making their first successful biometric payment card transaction.
11. Cellular modems can now be integrated into next-generation payment cards. The advent of online smart cards opens up new use cases and applications not conceivable just a few years ago. An always online and connected biometric card has already been developed to offer new capabilities to address CNP fraud and to handle both online and off-line security.
12. Cards with mobile connectivity will enable customers to use their biometric cards to shop online. When prompted to authenticate, the customer touches the fingerprint sensor on their biometric card which uses the EMV 3-D secure protocol to send an encrypted message with the result of the biometric authentication to the issuer, which then approves the transaction.
13. The cost of biometric smart cards today is a factor, but not a barrier to their success. The critical success factor is the availability of technology. The answer to this is the industrialisation of the manufacturing process which will then lead to multiple manufacturers and in turn to volume manufacturing.
14. Retail banking is the primary market for biometric smart cards, followed by financial inclusion, access control and eID. Cards are a direct, issuer-branded, link to the customer. Next-generation cards offer bank and payment card issuers an opportunity to acquire new clients, increase revenue, become top of wallet and position themselves as an innovator in consumer payments.
15. Go-to-market strategies for biometric cards can focus on a combination of benefits including improved customer experience, greater convenience, stronger security or the technology cool factor. The increased security of a card product that can only be used by the genuine cardholder brings significant additional value to all applications.
16. Most go-to-market strategies will benefit the issuer as well as the cardholder. Improving the customer experience of cross-border travellers through the ability to identify the genuine cardholder every time they make a payment means that issuers will be able to avoid the risk of rejecting valid transactions while their customers are travelling.
17. Industry perception today is that Mastercard has been more active in driving biometric payment cards; they have been involved in almost all the biometric payment card pilots and launches around the world to date. Visa is now increasing their focus on the segment of biometric payment cards will become more proactive in this market from 2020.
18. Visa has been more focused on the development of solutions for dynamic code verification (dCVV) cards to address card-not-present fraud. The dCCV solutions are cards with displays that enable dynamic card security codes to be displayed on payment cards and updated at regular intervals, providing greater assurance that the card is in possession of the user.
19. ISO standards for biometric smart cards are well developed with standardisation activities beginning in 2002. Application-level specification work on biometric EMV payment card products began more recently and is still being progressed by the international payment schemes to create certified products that can be delivered to market.
20. By Q1 2020, both Mastercard and Visa expect to publish their specifications for biometric contactless cards. This will enable biometric card products from both schemes to be tested and certified as being compliant with the specifications. This is a key requirement for issuers to launch products into the market.