1 序文
2 調査範囲と方法論
2.1 調査の目的
2.2 ステークホルダー
2.3 データソース
2.3.1 一次情報源
2.3.2 二次情報源
2.4 市場推定
2.4.1 ボトムアップ・アプローチ
2.4.2 トップダウンアプローチ
2.5 予測方法
3 エグゼクティブ・サマリー
4 はじめに
4.1 概要
4.2 主要業界動向
5 世界のATM市場
5.1 市場概要
5.2 市場パフォーマンス
5.3 COVID-19の影響
5.4 ソリューション別市場構成
5.5 画面サイズ別市場構成比
5.6 アプリケーション別市場構成比
5.7 ATMタイプ別市場構成比
5.8 地域別市場構成比
5.9 市場予測
6 ソリューション別市場構成比
6.1 展開ソリューション
6.1.1 市場動向
6.1.2 主要タイプ
6.1.2.1 オンサイトATM
6.1.2.2 オフサイトATM
6.1.2.3 作業現場ATM
6.1.2.4 モバイルATM
6.1.3 市場予測
6.2 マネージドサービス
6.2.1 市場動向
6.2.2 市場予測
7 画面サイズ別市場
7.1 15インチ以下
7.1.1 市場動向
7.1.2 市場予測
7.2 15インチ以上
7.2.1 市場動向
7.2.2 市場予測
8 用途別市場
8.1 引出し
8.1.1 市場動向
8.1.2 市場予測
8.2 移送
8.2.1 市場動向
8.2.2 市場予測
8.3 預金
8.3.1 市場動向
8.3.2 市場予測
9 ATMタイプ別市場構成
9.1 従来型／銀行ATM
9.1.1 市場動向
9.1.2 市場予測
9.2 ブラウンレーベルATM
9.2.1 市場動向
9.2.2 市場予測
9.3 ホワイトラベルATM
9.3.1 市場動向
9.3.2 市場予測
9.4 スマートATM
9.4.1 市場動向
9.4.2 市場予測
9.5 キャッシュディスペンサー
9.5.1 市場動向
9.5.2 市場予測
10 地域別市場内訳
10.1 北米
10.1.1 市場動向
10.1.2 市場予測
10.2 アジア太平洋
10.2.1 市場動向
10.2.2 市場予測
10.3 欧州
10.3.1 市場動向
10.3.2 市場予測
10.4 中東・アフリカ
10.4.1 市場動向
10.4.2 市場予測
10.5 中南米
10.5.1 市場動向
10.5.2 市場予測
11 SWOT分析
11.1 概要
11.2 長所
11.3 弱点
11.4 機会
11.5 脅威
12 バリューチェーン分析
13 ポーターズファイブフォース分析
13.1 概要
13.2 買い手の交渉力
13.3 供給者の交渉力
13.4 競争の程度
13.5 新規参入の脅威
13.6 代替品の脅威
14 価格分析
15 競争環境
15.1 市場構造
15.2 主要プレーヤー
15.3 主要プレーヤーのプロフィール
15.3.1 Diebold Inc.
15.3.2 Wincor Nixdorf AG
15.3.3 NCRコーポレーション
15.3.4 トリトン・システムズ・オブ・デラウェア
15.3.5 日立オムロンターミナルソリューションズ
15.3.6 GRG Banking Equipment Co.Ltd.
15.3.7 沖電気工業（株株式会社
15.3.8 ノーチラス・ヒョースン・コーポレーション
15.3.9 HESS Cash Systems GmbH & Co KG
15.3.10 富士通株式会社
15.3.11 ユーロネットワールドワイド
15.3.12 ブリンク社
図1：世界：ATM市場：主な推進要因と課題
図2：世界：ATM市場：販売額（単位：億米ドル）、2019年～2024年
図3：世界：ATM市場：図3：ATMの世界市場：ソリューション別構成比（単位：%）、2024年
図4：ATMの世界市場：図4：ATMの世界市場：スクリーンサイズ別構成比（単位
図5：ATMの世界市場：用途別構成比（単位図5：ATMの世界市場：用途別構成比（単位
図6：ATMの世界市場：図6：ATMの世界市場：ATMタイプ別構成比（%）、2024年
図7：ATMの世界市場：図7：ATMの世界市場：地域別構成比（%）、2024年
図8：ATMの世界市場予測：販売額（単位：億米ドル）、2025年～2033年
図9：世界のATM産業：SWOT分析
図10: 世界のATM産業：バリューチェーン分析
図11: 世界のATM産業: バリューチェーン分析ポーターのファイブフォース分析
図12：世界のATM（展開ソリューション）市場：販売額（単位：百万米ドル）、2019年および2024年
図13：世界：ATM（展開ソリューション）市場予測：販売額（単位：百万米ドル）、2025年～2033年
図14：ATM（マネージドサービス）の世界市場：販売額（単位：百万米ドル）、2019年および2024年
図15：ATM（マネージドサービス）の世界市場予測：販売額（単位：百万米ドル）、2025年～2033年
図16：世界のATM（15インチ以下）市場：販売額（単位：百万米ドル）、2019年および2024年
図17：世界のATM（15インチ以下）市場予測：販売額（単位：百万米ドル）、2025年～2033年
図18：世界のATM（15インチ以上）市場：販売額（単位：百万米ドル）、2019年および2024年
図19：ATM（15インチ以上）の世界市場予測：販売額（単位：百万米ドル）、2025年～2033年
図20：世界のATM（引き出し）市場：販売額（単位：百万米ドル）、2019年および2024年
図21：世界のATM（引き出し）市場予測：販売額（単位：百万米ドル）、2025年～2033年
図22：世界のATM（送金）市場：販売額（単位：百万米ドル）、2019年および2024年
図23：世界のATM（振込）市場予測：販売額（単位：百万米ドル）、2025年～2033年
図24：世界のATM（預金）市場：販売額（単位：百万米ドル）、2019年および2024年
図25：世界：ATM（預金）市場予測：販売額（単位：百万米ドル）、2025年～2033年
図26：世界：ATM（従来型/銀行ATM）市場：販売額（単位：百万米ドル）、2019年・2024年
図27：世界：ATM（従来型/銀行ATM）市場予測：販売額（単位：百万米ドル）、2025年～2033年
図28：世界：ATM（ブラウンラベルATM）市場：販売額（単位：百万米ドル）、2019年・2024年
図29：世界：ATM（ブラウンラベルATM）市場予測：販売額（単位：百万米ドル）、2025年～2033年
図30：世界：ATM（ホワイトラベルATM）市場：販売額（単位：百万米ドル）、2019年・2024年
図31：世界：ATM（ホワイトラベルATM）市場予測：販売額（単位：百万米ドル）、2025年～2033年
図32：世界：ATM（スマートATM）市場：販売額（単位：百万米ドル）、2019年・2024年
図33：ATM（スマートATM）の世界市場世界：ATM（スマートATM）市場予測：販売額（単位：百万米ドル）、2025年～2033年
図34：世界：ATM（キャッシュディスペンサー）市場：販売額（単位：百万米ドル）、2019年・2024年
図35：世界：ATM（キャッシュディスペンサー）市場予測：販売額（単位：百万米ドル）、2025年～2033年
図36：北米：ATM市場：販売額（単位：百万米ドル）、2019年および2024年
図37：北米：ATM市場予測ATM市場予測：販売額（単位：百万米ドル）、2025年～2033年
図38：アジア太平洋：ATM市場：販売額（単位：百万米ドル）、2019年および2024年
図39：アジア太平洋地域のアジア太平洋地域のATM市場予測：販売額（単位：百万米ドル）、2025年～2033年
図40：ヨーロッパ：ATM市場：販売額（単位：百万米ドル）、2019年および2024年
図41：ヨーロッパ：ATM市場予測ATM市場予測：販売額（単位：百万米ドル）、2025年～2033年
図42：中東およびアフリカ：ATM市場：販売額（単位：百万米ドル）、2019年および2024年
図43：中東およびアフリカ：ATM市場予測：販売額（単位：百万米ドル）、2025年～2033年
図44：ラテンアメリカ：ATM市場：販売額（単位：百万米ドル）、2019年および2024年
図45：ラテンアメリカ：ATM市場予測：販売額（単位：百万米ドル）、2025年～2033年
[表一覧］
表1：世界：ATM市場：主要産業ハイライト、2024年および2033年
表2：ATMの世界市場予測：表2：ATMの世界市場予測：ソリューション別内訳（単位：百万米ドル）、2025年～2033年
表3：ATMの世界市場予測：表3：ATMの世界市場予測：スクリーンサイズ別構成比（単位：百万米ドル）、2025年～2033年
表4：ATMの世界市場予測：ATMの世界市場予測：用途別構成比（単位：百万米ドル）、2025年～2033年
表5：ATMの世界市場予測：ATMの世界市場予測：ATMタイプ別構成比（単位：百万米ドル）、2025年～2033年
表6：ATMの世界市場予測：ATMの世界市場予測：地域別構成比（単位：百万米ドル）、2025年～2033年
表7：世界のATM市場構造
表8：世界のATM市場：主要プレイヤー
The global ATM market size was valued at USD 24.4 billion in 2024, and is projected to reach USD 36.3 billion by 2033, at a CAGR of 4.06% during 2025-2033. North America currently dominates the market, holding a significant market share of over 35.3% in 2024. The rise of digital transformation, increasing convenience and accessibility provided by ATMs, rapid growth in globalization and international tourism, and integration of innovative technologies, such as biometric authentication, are some of the major factors propelling the market.
The growth of demand for convenient, secure, and cash-based banking facilities drives the ATM market. Urbanization and financial inclusion initiatives have expanded the reach of ATMs, primarily in developing regions. The growth in cash-based economies and easy access to cash further add to the fuel. Technological advancements, such as touch screen interfaces, biometric authentication, and real-time cash depositing systems, are improving the function and experience of ATMs. Secondly, the integration of ATMs into online payment systems and mobile banks also sustains their appeal. Security upgrades to resist fraud and meet regulatory needs also fuel market growth. At the same time, the needs for offsite and freestanding ATMs to malls and airports are aiding in expanding the market.
The ATM market in the United States is fueled by the need for access to cash, which should be convenient and secure. In urban and high-traffic areas, the need for cash is more prevalent. This increased adoption of advanced ATMs with features such as touchscreens, biometric authentication, and cash recycling increases user experience and operational efficiency. For example, in October 2024, Hyosung Americas, a well-known disruptor in the ATM and self-service kiosk space, announced its partnership with eGlobal, based in Grant Victor, to reimagine the use of the ATM in a retail environment. Hyosung started a Hyosung Pay trial program using the revolutionary Pivot ATM, which reimagines the function and value of the ATM for both the retail operator and the ATM user. Increased security issues led to the development of advanced anti-fraud technologies, thereby raising the confidence level of the use of ATMs. Increasing adoption of surcharge-free ATM networks and mobile banking capabilities is also supporting market growth. Moreover, financial service needs in under-banked locations and offsite ATMs' popularity in retail locations also positively impact the U.S. ATM market.
ATM Market Trends:
Rapid Digital Transformation
With the widespread adoption of technologies like biometric authentication, contactless payments, and mobile banking apps, ATMs have adapted to provide a seamless and secure user experience. It has been reported that in 2020, over 671 Million individuals made payments via facial biometrics, which is expected to reach 1.4 Billion individuals by 2025. Fingerprint or facial recognition represent some of the key biometric authentication measures that improve security by verifying users' identities before processing transactions. Contactless payment options, enabled through Near Field Communication (NFC) technology, allow users to make quick and secure transactions by simply tapping their cards or mobile devices.
Convenience and Accessibility Associated with ATMs
Unlike conventional banking hours, ATMs enables the easy round-the-clock access to cash and banking services. This ease caters to the busy schedules of customers who need flexibility in conducting transactions. Additionally, ATMs are strategically placed in various locations, including urban centers, rural areas, and commercial hubs, ensuring accessibility to a wide range of users. According to the CIA, 36.4% of the total population of India is urbanized in the year 2023. This accessibility plays a vital role in serving customers who might not have immediate access to physical bank branches during their preferred times.
Promoting Financial Inclusion
ATMs are pivotal for consumers who do not have convenient access to conventional banking services. They offer a crucial means for underserved populations, enabling them to perform basic banking transactions, such as cash withdrawals and balance inquiries. This empowerment enables individuals in remote or underserved areas to participate in the formal financial system, fostering economic growth and improving their overall quality of life. The expansion of ATMs into such regions contributes to bridging the gap between those with and without access to traditional banking services, thereby promoting financial inclusivity. According to the government of UK, as of early June 2023, the UK had a total of 49,421 cash machines, with 78%, or 38,612 units, offering free access to users.
ATM Industry Segmentation:
IMARC Group provides an analysis of the key trends in each segment of the global ATM market, along with forecasts at the global, regional, and country levels from 2025-2033. The market has been categorized based on solution, screen size, application, ATM type, and region.
Analysis by Solution:
• Deployment Solutions
o Onsite ATMs
o Offsite ATMs
o Work Site ATMs
o Mobile ATMs
• Managed Services
Deployment solutions stand as the largest component in 2024, holding around 53.5% of the market. As the global ATM market expands, financial institutions and ATM operators require efficient and effective ways to deploy and manage these machines across diverse locations. Various services are included in deployment solutions, such as site selection, installation, setting up network connectivity, and continuing maintenance. Comprehensive deployment methods are also required due to the widespread use of ATMs in several locations, including retail establishments, urban centers, and remote places. The need for specialist deployment services is fueled by financial institutions' efforts to strategically position ATMs to increase consumer accessibility and convenience. To guarantee smooth operations and reduce risks, proficiency in the installation and maintenance of automated teller machines is required due to the ongoing advancements in technology and security regulations. In addition to physical installation, deployment solutions integrate cutting-edge features like contactless payment methods and biometric authentication.
Analysis by Screen Size:
• 15" and Below
• Above 15"
15” and below leads the market with around 65%% of market share in 2024. ATMs with 15” and smaller screens hold the largest market share due to their compact size, cost efficiency, and suitability for diverse locations. These ATMs are ideal for deployment in high-traffic areas like retail stores, gas stations, and smaller banking kiosks, where space is limited. Their lower production and maintenance costs make them attractive to banks and independent ATM deployers (IADs). Additionally, these machines efficiently handle essential transactions such as cash withdrawals, balance inquiries, and deposits, meeting user needs without requiring larger displays. The widespread adoption of these versatile and space-saving ATMs drives their dominance in the market.
Analysis by Application:
• Withdrawals
• Transfers
• Deposits
Withdrawal leads the market with around 69% of market share in 2024. Withdrawal transactions hold the largest share in the ATM market because cash remains a critical component of day-to-day financial activities, even in increasingly digital economies. Particularly in regions with heavy cash usage or restricted access to digital payment methods, consumers depend on ATMs for rapid and easy access to cash. The main purpose of ATMs is withdrawal, which appeals to banked and underbanked people. The withdrawal experience has also been improved by developments in ATM technology, such as quicker processing and more security. Withdrawals continue to be the most common form of ATM transaction due to the ubiquitous need for cash in a variety of situations, including emergencies.
Analysis by ATM Type:
• Conventional/Bank ATMs
• Brown Label ATMs
• White Label ATMs
• Smart ATMs
• Cash Dispensers
Conventional/bank ATMs leads the market with around 33.2% of market share in 2024. Conventional or bank ATMs hold the largest share in the ATM market due to their widespread presence and trust among users. Usually found at bank locations, these automated teller machines (ATMs) provide dependable access to necessary financial services like deposits, cash withdrawals, and account inquiries. Customers who value security will find their integration with core banking systems intriguing because it guarantees high security and real-time transactions. Banks also spend a lot of money maintaining and modernizing these ATMs with cutting-edge features like improved fraud protection techniques and biometric verification. Conventional ATM supremacy is further supported by client loyalty and the consistent need for traditional banking services.
Regional Analysis:
• North America
o United States
o Canada
• Asia Pacific
o China
o Japan
o India
o South Korea
o Australia
o Indonesia
o Others
• Europe
o Germany
o France
o United Kingdom
o Italy
o Spain
o Russia
o Others
• Latin America
o Brazil
o Mexico
o Others
• Middle East and Africa
In 2024, North America accounted for the largest market share of over 35.3%. The demand for convenient and secure access to financial services drives the ATM market in North America. Widespread ATM deployment is supported by a strong financial infrastructure and high rates of urbanization. The functionality and user experience of ATMs are improved by the growing usage of cutting-edge technologies like touchscreens, biometric authentication, and cash recycling. Consumer trust has increased as a result of investments in anti-skimming and encryption technologies brought about by growing concerns about fraud and insecurity. The region's strong emphasis on financial inclusion drives ATM installations in underserved and rural areas. Additionally, the popularity of surcharge-free ATM networks and integration with mobile banking platforms further supports market growth. The convenience of offsite ATMs in retail locations, airports, and other high-traffic areas contributes to their demand. Furthermore, the ongoing transition toward smart ATMs offering contactless and cardless transactions aligns with consumer preferences, solidifying North America's position as a key ATM market.
Key Regional Takeaways:
United States ATM Market Analysis
In 2024, the United States accounted for the market share of over 83.50%. The ATM market in the United States is experiencing growth due to several specific drivers. Financial institutions are increasingly investing in advanced ATMs that offer features like contactless payments, enhanced security measures, and biometrics for identity verification, improving customer convenience and security. Banks are expanding their ATM networks to serve underserved regions, aiming to boost customer access to cash and banking services. The rising demand for self-service banking solutions is encouraging businesses to deploy ATMs in retail and high-traffic locations, enhancing accessibility for consumers. Additionally, the ongoing trend of increasing cash usage, particularly for small transactions, is fueling ATM installations in various commercial settings. As the demand for 24/7 banking continues to rise, businesses are adopting ATMs equipped with multiple functionalities, such as bill payments and mobile top-ups, to cater to evolving customer needs. While cash usage is declining, the demand for ATMs offering multi-functional services like mobile banking, bill payments, and cardless withdrawals remains strong. Security concerns, including fraud and data breaches, also drive ATM manufacturers to develop advanced anti-skimming and encryption technologies. For instance, the IT Governance USA's study of the data breach notifications of the Office of the Maine Attorney General stated that there were around 83 new data breaches reported, which collectively impacted over 5,266,320 individuals.
Asia Pacific ATM Market Analysis
The ATM market in the Asia-Pacific region is driven by increasing demand for banking services, high cash usage, and government initiatives aimed at enhancing financial inclusion. In many developing countries in APAC, there is a strong push for expanding access to banking services, particularly in rural and remote areas, where ATMs are vital for offering essential financial services. The region still sees a high reliance on cash transactions, particularly in countries like India and China, which sustains the demand for ATMs. Hong Kong stated the maximum 8,600 withdrawals per ATM machine per month average number of cash withdrawals, according to research. Banks are increasingly deploying multi-function ATMs to provide diverse services, such as cash deposit and bill payment, addressing customer convenience. The rise in digital banking is driving the demand for ATMs equipped with biometric authentication, ensuring secure transactions. Government initiatives supporting financial inclusion are pushing the installation of ATMs in underserved areas, and expanding accessibility. Additionally, the growing adoption of contactless payment methods is shaping ATM designs, with more machines incorporating NFC technology. According to the National Population and Talent Division, as of June 2023, Singapore's total population reached 5.92 Million, reflecting a 5.0% year-on-year growth compared to June 2022.
Europe ATM Market Analysis
The ATM market in Europe is experiencing growth due to several specific drivers. To improve customer experience and security, banks and other financial institutions are constantly adding cutting-edge technologies, such contactless and biometric authentication, to their ATM networks. As customer tastes change, ATMs with integrated features like bill payment and cash deposit are becoming more and more popular due to the growing need for self-service banking. Traditional ATM services are changing to satisfy new demands as the European populace depends more and more on digital and mobile banking. According to the European Commission, between 1 January 2003 and 1 January 2023, the European Union's population grew by 4%, rising from 431.2 Million to 448.8 Million. Additionally, the rapid expansion of the retail and hospitality sectors is encouraging the installation of ATMs in high-traffic areas for greater accessibility. Furthermore, governments and financial regulators are pushing for improved security measures in ATMs, leading to the development of more secure machines.
Latin America ATM Market Analysis
In Latin America, the ATM market is primarily driven by the need for financial inclusion, security concerns, and cash dependency. In nations like Brazil, Mexico, and Argentina, where there are significant numbers of unbanked people, automated teller machines (ATMs) are a vital source of financial services, giving people access to banking in places where traditional bank branches are few. In many Latin American nations, cash is still the most common method of payment, which guarantees a consistent demand for ATMs. Furthermore, a major element in resolving issues with financial access is the development of ATM networks in rural and isolated regions, which permits participation in the formal economy by larger parts of the people. For instance, at least 77 Million rural inhabitants are reported in Latin America and the Caribbean who are unable to access internet services that meet minimal quality standards. Such incidences significantly drive the market growth for cash withdrawals through ATM.
Middle East and Africa ATM Market Analysis
The ATM market in the Middle East and Africa is experiencing growth due to several factors. Financial institutions are widely adopting advanced ATMs with biometric authentication for improved security security. The rise in contactless payment systems is driving demand for modern ATMs. Governments are investing in cashless infrastructure, encouraging digital payments. Additionally, the ongoing urbanization and growing banked population are boosting ATM installations in urban centers. These developments are collectively expanding the market across the region.
Competitive Landscape:
The ATM market is intensely competitive, with major players aiming at strategic partnerships, geographic expansion, innovation. Major companies like NCR Corporation, Diebold Nixdorf, and Hyosung dominate the market, offering advanced ATM solutions with features like biometric authentication, cash recycling, and mobile integration. Independent ATM deployers (IADs) play a crucial role, especially in offsite locations. Competition is driven by advancements in security technologies to combat fraud and enhance user trust. Additionally, the growing demand for smart ATMs and the rise of fintech collaborations intensify market rivalry. Regional players and emerging startups also contribute by targeting niche markets and specific customer needs.
The report has also analysed the competitive landscape of the market with some of the key players being:
• Diebold Inc.
• Wincor Nixdorf AG
• NCR Corporation
• Triton Systems of Delaware
• Hitachi-Omron Terminal Solutions
• GRG Banking Equipment Co. Ltd.
• OKI Electric Industry co. Ltd.
• Nautilus Hyosung Corporation
• HESS Cash Systems GmbH & Co KG
• Fujitsu Ltd.
• Euronet Worldwide
• Brink's Company
Latest News and Developments:
• April 2024: Hitachi Payment Services, a prominent provider of payment and commerce solutions in India, has officially introduced the nation’s first Upgradable ATM. Moreover, the Upgradable ATM’s can be seamlessly upgraded to a high-performance Cash Recycling Machine (CRM) at any given time.
• June 2024: A new network of advanced ATMs have been deployed across 17 UK locations where recent branch closures have impacted residents' access to essential banking services. These ATMs will offer a range of functionalities, including cash withdrawals, balance inquiries, PIN changes, and cash deposits, enhancing customer convenience and ensuring continued access to vital banking services.
• November 2024: The well-known foreign exchange company Travelex joined forces with NCR Atleos to modernize its global ATM network in its entirety. Travelex updated the software and hardware of all 600 of its ATMs in eight different countries as part of this partnership. The inclusion of contactless cash withdrawal capabilities is one of the many improved, secure features that this upgrade is expected to provide to clients.
• December 2024: East of England Co-op announced its plans to commence ATM cash services in the East Anglia region across all its stores. The retailer further announced the partnership for the rollout with the UK Cashzone Network, which is a notable network of independent ATMs.
Key Questions Answered in This Report
1.How big is the ATM market?
2.What is the future outlook of the ATM market?
3.What are the key factors driving the ATM market?
4.Which region accounts for the largest ATM market share?
5.Which are the leading companies in the global ATM market?
