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市场调查报告书
商品编码
1887010
基于 SaaS 的核心银行软体市场规模、占有率、成长及全球产业分析:依类型、应用和地区划分的洞察,以及 2024-2032 年预测SaaS-based Core Banking Software Market Size, Share, Growth and Global Industry Analysis By Type & Application, Regional Insights and Forecast to 2024-2032 |
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随着金融机构加速向基于云端的数位化银行生态系统转型,全球基于 SaaS 的核心银行软体市场正在改变银行业格局。根据最近的一项研究,受订阅式银行解决方案的普及、基础设施成本的降低以及对即时数位银行服务日益增长的需求等因素的推动,全球市场规模预计将在 2024 年达到 112.1 亿美元。预计到 2025 年,市场规模将成长至 132 亿美元,到 2032 年将达到 460.3 亿美元,2025 年至 2032 年的复合年增长率 (CAGR) 为 19.5%。北美将成为领先地区,在 2024 年占全球 44.07% 的市场占有率,这主要得益于该地区较高的数位化普及率和众多成熟的金融机构。
基于 SaaS 的核心银行平台无需银行管理硬件,从而减轻了营运负担并实现了低成本的可扩展性。业内专家报告称,与传统系统相比,已转型至 SaaS 架构的银行的基础设施和维护成本最多可降低 40%。日益增长的数位化倾向进一步推动了市场成长,76% 的银行客户期望到 2024 年能够获得数位化优先服务。同时,约 70% 的金融机构表示,增强合规性和安全性是采用 SaaS 平台的主要动机。
生成式人工智慧与海关法规的影响
生成式人工智慧正在革新基于 SaaS 的核心银行环境,它能够自动化程式码开发、加速产品创新,并支援人工智慧产生的逻辑,用于客户註册、诈欺监控、贷款批准和交易分析。透过提供即时洞察、产生详细报告和个人化银行服务,银行正在提高效率并提升客户体验。
然而,互惠关税会带来潜在挑战。 SaaS 供应商严重依赖全球云端基础架构、第三方技术工具和进口硬体。关税导致的成本上升可能会增加采购压力、提高订阅价格并阻碍扩张策略。云端服务和软体进口价格的上涨可能会间接影响 SaaS 供应商在成本敏感地区的竞争力。
市场趋势
API驱动的开放银行仍然是推动市场成长的最强劲趋势之一。随着全球金融生态系统的演进,银行正将开放银行置于优先地位,允许第三方供应商透过安全的API存取金融资料。这促使银行即服务(BaaS)模式和整合金融服务产品激增。根据Finastra的一项调查,85%的银行已将开放银行视为策略重点,预计到2022年,API调用量将成长385%,推动欧洲乃至全球的快速普及。
对高度个人化的需求也在不断增长,客户期望获得直觉、即时的数位体验。已实施SaaS驱动的个人化解决方案的银行,其客户参与度提高了40%,客户流失率降低了30%,凸显了云端原生平台的竞争优势。
市场动态
驱动因素
数位交易的成长、行动优先银行服务的扩展以及客户对流畅数位体验的需求正在推动市场成长。银行正在加速采用基于 SaaS 的平台,以增强营运韧性、实现即时处理并支援全通路功能。
限制因子
儘管数位化进程快速推进,但由于对资料隐私、网路风险和监管处罚的担忧,许多银行仍然保持谨慎。将敏感的财务资料託管在异地仍然是一个重大挑战,限制了保守市场的采用。
机会
新兴经济体,特别是亚太地区、非洲和南美洲的新兴经济体,提供了强劲的成长机会。由于存在大量服务不足的人口,以及政府支持的普惠金融计划(例如印度的 "总理人民财富计划" ),基于 SaaS 的解决方案能够很好地支持低成本、行动优先的银行业务的扩张。
细分概览
依部署类型
依银行类型
由于交易量庞大以及对即时、数位化优先营运的需求,大型银行在 2024 年引领市场。由于社区银行基于订阅的 SaaS 模式价格实惠,预计其复合年增长率将最高。
依最终使用者划分
2024年,零售银行业务占最大占有率,因为金融机构优先考虑诈欺侦测、人工智慧驱动的个人化服务和无缝的数位体验。由于对数位化投资工具的需求不断增长,财富管理领域预计将成长最快。
北美
预计到2024年,该地区市场规模将达到49.4亿美元,主要得益于数位银行的强劲普及和大规模的云端迁移项目。预计美国将实现强劲成长,到2025年,数位银行用户预计将超过2.168亿。
欧洲
欧洲持续保持第二大市场占有率,这主要得益于监管合规、开放银行的扩张以及对即时银行平台的需求不断增长。
亚太地区
亚太地区预计将成为成长最快的地区,这主要得益于金融现代化方面的大量投资。该地区核心银行系统升级成本高昂,从 5,000 万美元到 2 亿美元不等,并且正在显着转向可扩展的 SaaS 替代方案。
中东和非洲
银行每年将 IT 预算增加 4.4%,以实现基础设施现代化并满足合规标准。
南美洲
受 3000 多家金融科技新创公司的推动,对基于云端的核心银行系统的需求正在增长。
The global SaaS-based core banking software market is transforming the banking landscape as financial institutions accelerate their shift toward cloud-based, digitally enabled banking ecosystems. According to the latest research, the global market size reached USD 11.21 billion in 2024, driven by the adoption of subscription-based banking solutions, reduced infrastructure costs, and increased demand for real-time digital banking services. The market is projected to grow to USD 13.20 billion in 2025 and is forecast to achieve USD 46.03 billion by 2032, expanding at a strong CAGR of 19.5% during 2025-2032. North America was the leading region in 2024, accounting for 44.07% of the global share due to high digital adoption and the presence of advanced financial institutions.
SaaS-based core banking platforms eliminate the need for banks to manage hardware, reduce operational pressures, and enable scalability at lower costs. According to industry experts, banks that shifted to SaaS architectures saw up to 40% savings in infrastructure and maintenance expenses compared to legacy systems. Growing digital preference further supports market growth; as of 2024, 76% of banking customers prefer digital-first services, while approximately 70% of financial institutions reported that improved compliance and security were the primary motivations for adopting SaaS platforms.
Impact of Generative AI and Tariff Regulations
Generative AI is revolutionizing the SaaS-based core banking environment by automating code development, accelerating product innovation, and enabling AI-generated logic for customer onboarding, fraud monitoring, loan assessment, and transaction analysis. Its ability to deliver instant insights, generate detailed reports, and personalize banking recommendations is helping banks enhance efficiency while improving customer experience.
However, reciprocal tariffs pose potential challenges. SaaS providers rely heavily on global cloud infrastructure, third-party technology tools, and imported hardware. Tariff-driven cost escalations can strain procurement, raise subscription pricing, and disrupt expansion strategies. Increased prices for cloud services or software imports could indirectly affect SaaS vendors' competitiveness in cost-sensitive regions.
Market Trends
API-driven open banking continues to be one of the strongest trends supporting market growth. As global financial ecosystems evolve, banks increasingly prioritize open banking, enabling third-party providers to access financial data through secure APIs. This has led to a surge in banking-as-a-service models and integrated financial offerings. According to Finastra, 85% of banks consider open banking a strategic priority, while API call volumes rose 385% in 2022, fueling rapid adoption across Europe and beyond.
Demand for hyper-personalization is also rising, with customers expecting intuitive, real-time digital experiences. Banks using SaaS-powered personalization solutions have achieved 40% higher engagement and 30% lower attrition rates, highlighting the competitive advantage of cloud-native platforms.
Market Dynamics
Drivers
Rising digital transactions, growing mobile-first banking, and customer demand for frictionless digital journeys are driving market growth. Banks increasingly deploy SaaS-based platforms to enhance operational resilience, enable instant processing, and support omnichannel engagement.
Restraints
Despite rapid digitization, many banks remain cautious due to concerns over data privacy, cyber risks, and regulatory penalties. Hosting sensitive financial data off-premises continues to be a major concern, limiting adoption in conservative markets.
Opportunities
Emerging economies, particularly in Asia Pacific, Africa, and South America, offer strong growth opportunities. With large underbanked populations and government-backed financial inclusion programs-such as India's Pradhan Mantri Jan Dhan Yojana-SaaS-based solutions are well positioned to support low-cost, mobile-first banking expansion.
Segmentation Summary
By Deployment
By Banking Type
Large banks led the market in 2024, driven by massive transaction loads and the need for real-time, digital-first operations. Community banks are expected to record the highest CAGR due to the affordability of subscription-based SaaS models.
By End User
Retail banking held the largest share in 2024 as institutions prioritize fraud detection, AI-driven personalization, and seamless digital experience. Wealth management is expected to grow fastest due to rising demand for digital investment tools.
North America
The region generated USD 4.94 billion in 2024, supported by strong digital banking adoption and large-scale cloud transformation programs. The U.S. is projected to experience robust growth, with digital banking users expected to surpass 216.8 million by 2025.
Europe
Europe remains the second-largest market, driven by regulatory compliance, open banking expansion, and rising demand for real-time banking platforms.
Asia Pacific
Asia Pacific will grow fastest due to heavy investments in financial modernization. Core banking upgrades cost USD 50-200 million in the region, emphasizing the shift toward scalable SaaS alternatives.
Middle East & Africa
Banks are increasing IT budgets by 4.4% annually to modernize infrastructure and meet compliance standards.
South America
Growth is supported by over 3,000 fintech startups, boosting demand for cloud-based core banking systems.
Conclusion
With market growth from USD 11.21 billion (2024) to USD 46.03 billion (2032), SaaS-based core banking software is becoming central to digital banking transformation. Cloud-native architectures, generative AI, open banking APIs, and emerging-market expansion will continue driving robust adoption across the global banking ecosystem.
Segmentation By Deployment
By Banking Type
By End-User
By Region