市场调查报告书
商品编码
1521257
2024-2032 年按组件(解决方案、服务)、类型(零售银行、企业银行)、部署模式(本地、基于云端)、银行模式(网路银行、行动银行)和地区分類的数位银行平台市场报告Digital Banking Platform Market Report by Component (Solutions, Services), Type (Retail Banking, Corporate Banking), Deployment Mode (On-premises, Cloud-based), Banking Mode (Online Banking, Mobile Banking), and Region 2024-2032 |
2023年全球IMARC Group银行平台市场规模达65亿美元。对便利、无缝银行体验的需求不断增长、众多技术进步以及客户对线上交易和个人化银行服务的偏好不断增长是推动市场的一些主要因素。
主要市场驱动因素:由于消费者对便利的行动银行服务的偏好日益增加,对提供行动银行、线上支付和远端帐户管理的数位平台的需求不断增长,这主要推动了市场的成长。
主要市场趋势:人工智慧 (AI)、生物识别和区块链等先进技术与银行平台的日益融合,以实现增强的安全性和个人化的银行体验,这是市场的主要趋势。
地理趋势:根据报告,北美拥有数位银行平台最大的区域市场。该地区拥有先进的技术基础设施、较高的互联网普及率和庞大的精通技术的消费者基础,这使其成为数位银行平台市场的领先地区。
竞争格局:数位银行平台市场的一些领导者包括 Appway AG (FNZ (UK) Ltd.)、Fidelity Information Services (FIS)、Finastra Limited、Fiserv Inc.、Infosys Limited、nCino、NCR Corporation、Oracle Corporation、SAP SE 、Sopra Steria、塔塔咨询服务有限公司、Temenos AG、纽约梅隆银行公司、Worldline 等。
挑战与机会:诈欺交易的敏感度和技术延迟是行业运营商面临的突出挑战。然而,增强的安全技术与网路银行的整合预计将为整个市场提供利润丰厚的成长机会。
对无缝便利银行业务的需求不断增加
客户对无缝、便利的银行体验的需求不断增长,主要推动了数位银行平台市场的发展。现代消费者期望银行服务能适应他们快节奏的生活方式,使他们能够随时随地进行交易和管理财务,而不受传统实体业务的限制。因此,各种金融机构与科技提供者合作,正在采取措施使网路银行变得更加无缝和安全。例如,2022 年 12 月,德勤宣布与 AWS 合作,解决银行业的长期难题:向涵盖客户端介面到后台营运的数位优先係统过渡。同样,2023 年 1 月,Axis 银行与 OPEN 合作,为其客户(包括中小企业、自由工作者、家庭创业家、影响者等)提供完全原生的数位活期帐户。此次合作使更大的企业界能够获得 Axis Bank 全面的银行业务经验和 OPEN 的端到端金融自动化业务管理功能。除此之外,数位银行平台还提供行动应用程式、网路银行入口网站和用户友好的介面,可即时存取帐户资讯、资金转帐和帐单支付,预计这将推动数位银行平台的市场份额未来几年。
技术进步与创新
快速的技术进步在推动数位银行平台市场向前发展方面发挥关键作用。各种领先的市场参与者越来越多地整合人工智慧(AI)、机器学习(ML)、生物辨识和区块链等新兴技术,为银行业带来革命性的巨大潜力。此外,越来越多地采用第三方即时支付应用程式(例如 WhatsApp Pay 和 Phone Pay),导致银行对可靠基础设施的需求增加,以顺利进行 UPI 交易。例如,Visa 最近完成了对 Plaid 的 53 亿美元收购,Plaid 是一家金融科技新创公司,允许应用程式轻鬆、即时地与客户的银行帐户连接。此外,云端平台与网路银行平台的整合也为整体市场创造了积极的前景。 2023 年 1 月,菲律宾数位银行 GoTyme Bank 与全球云端银行平台 Mambu 合作,创建创新的数位银行解决方案,旨在增加菲律宾人获得高品质金融服务的机会。这些创新使数位银行平台能够提供增强的安全措施、基于消费者行为和偏好的个人化服务、高效的交易处理以及数据驱动的见解以做出更好的决策。
监理措施及开放银行
政府和监管机构正在努力规范线上交易,促进开放银行和资料共享,这对全球数位银行平台市场产生了积极影响。例如,2024 年2 月,印度储备银行(RBI) 发布了一项重要政策声明,概述了多项发展和监管倡议,涵盖金融市场、贷款机构相关法规以及包括数位货币和金融科技在内的支付系统。在金融市场方面,印度储备银行宣布将全面审查电子交易平台(ETP)的现有监管指南,这些平台允许进行受印度储备银行监管的金融工具(例如外汇和政府证券)的交易。开放银行要求金融机构与授权的第三方提供者安全地共享客户资料,这正在培育一个更互联的金融生态系统。
The global digital banking platform market size reached US$ 6.5 Billion in 2023. Looking forward, IMARC Group expects the market to reach US$ 17.3 Billion by 2032, exhibiting a growth rate (CAGR) of 11.2% during 2024-2032. The increasing demand for convenient and seamless banking experiences, numerous technological advancements, and growing customer preferences for online transactions and personalized banking services are some of the major factors propelling the market.
Major Market Drivers: The rising demand for digital platforms that offer mobile banking, online payments, and remote account management due to the increasing consumer preference for convenient, on-the-go banking services is primarily driving the growth of the market.
Key Market Trends: The increasing integration of advanced technologies, such as artificial intelligence (AI), biometrics, and blockchain, with banking platforms to enable enhanced security and personalized banking experiences is acting as a primary key trend for the market.
Geographical Trend: According to the report, North America holds the largest regional market for digital banking platforms. This region boasts an advanced technological infrastructure, high internet penetration rates, and a large base of tech-savvy consumers, which makes it the leading region for the digital banking platform market.
Competitive Landscape: Some of the digital banking platform market leaders are Appway AG (FNZ (UK) Ltd.), Fidelity Information Services (FIS), Finastra Limited, Fiserv Inc., Infosys Limited, nCino, NCR Corporation, Oracle Corporation, SAP SE, Sopra Steria, Tata Consultancy Services Limited, Temenos AG, The Bank of New York Mellon Corporation, Worldline, among others.
Challenges and Opportunities: The susceptibility to fraudulent transactions and technical delays are prominent challenges faced by industry operators. However, the integration of enhanced security technologies with online banking is anticipated to offer lucrative growth opportunities to the overall market.
Increasing Demand for Seamless and Convenient banking
The escalating customer demand for seamless and convenient banking experiences is primarily catalyzing the market for digital banking platforms. Modern consumers expect banking services that align with their fast-paced lifestyles, enabling them to conduct transactions and manage finances on-the-go, without being constrained by traditional brick-and-mortar operations. Consequently, various financial institutions, in collaboration with technology providers, are taking initiatives to make online banking more seamless and secure. For instance, in December 2022, Deloitte announced a collaboration with AWS to address a chronic difficulty in banking: the transition to digital-first systems that span the client interface to back-office operations. Similarly, In January 2023, Axis Bank collaborated with OPEN to provide its clients, including SMEs, freelancers, homepreneurs, influencers, and others, with a completely native digital current account. This collaboration gives the larger business community access to Axis Bank's comprehensive banking experience and OPEN's end-to-end financial automation capabilities for business administration. In addition to this, digital banking platforms are offering mobile applications, online banking portals, and user-friendly interfaces that provide real-time access to account information, fund transfers, and bill payments, which is anticipated to propel the digital banking platform market share in the coming years.
Technological Advancements and Innovations
Rapid technological advancements are playing a pivotal role in driving the digital banking platform market forward. Various leading market players are increasingly integrating emerging technologies like artificial intelligence (AI), machine learning (ML), biometrics, and blockchain offer immense potential to revolutionize the banking sector. Moreover, increased adoption of third-party applications for real-time payments, such as WhatsApp Pay and Phone Pay, has led to increased demand for reliable infrastructure by the banks to carry out UPI transactions smoothly. For instance, Visa recently completed a US$ 5.3 Billion acquisition of Plaid, a fintech startup that allows applications to connect with customers' bank accounts easily and instantly. Moreover, the integration of cloud-based platforms with online banking platforms is also creating a positive outlook for the overall market. In January 2023, the digital bank in the Philippines, GoTyme Bank, collaborated with the worldwide cloud banking platform Mambu to create an innovative digital banking solution that seeks to increase Filipinos' access to high-quality financial services. These innovations empower digital banking platforms to provide enhanced security measures, personalized services based on consumer behavior and preferences, efficient transaction processing, and data-driven insights for better decision-making.
Regulatory Initiatives and Open Banking
Government and regulatory authorities are making efforts to regulate online transactions and promote open banking and data sharing, which is positively impacting the global digital banking platform market. For instance, in February 2024, the Reserve Bank of India (RBI) released a major policy statement outlining several developmental and regulatory initiatives covering financial markets, regulations pertaining to lending institutions, and payment systems, including digital currency and fintech. On the financial markets front, RBI announced that it would comprehensively review the existing regulatory guidelines for Electronic Trading Platforms (ETPs) that enable transactions in financial instruments regulated by RBI, such as foreign exchange and government securities. Open banking mandates financial institutions to share customer data securely with authorized third-party providers, which is fostering a more interconnected financial ecosystem.
IMARC Group provides an analysis of the key trends in each segment of the global digital banking platform market report, along with forecasts at the global, regional, and country levels from 2024-2032. Our report has categorized the market based on component, type, deployment mode, and banking mode.
Solutions
Services
Solutions dominate the market
The report has provided a detailed breakup and analysis of the market based on the components. This includes solutions and services. According to the report, solutions represented the largest segment.
Solutions drive innovation by providing flexible and customizable offerings to financial institutions. Rather than a monolithic approach, digital banking platform providers offer modular solutions that can be integrated into existing systems, allowing banks to select specific functionalities based on their needs and preferences. Additionally, a number of banks are launching banking solutions with improved security, which is catering to eh growth of this segment. For instance, Next Bank, a Taiwanese digital bank, launched Temenos in January 2023. Next Bank can bring products to market quickly and effectively with Temenos' open platform. The bank intends to add foreign exchange services, such as remittance services for migrant workers and wealth management tools, over time. Next Bank, which is powered by Temenos, swiftly expanded to approximately 300,000 users within nine months of its launch. Additionally, solutions foster collaboration between banks and fintech partners, promoting the development of new and innovative services.
Retail Banking
Corporate Banking
Retail banking holds the largest share of the market
A detailed breakup and analysis of the market based on the type has also been provided in the report. This includes retail and corporate banking. According to the report, retail banking accounted for the largest market share.
Retail banking has a massive customer base and is witnessing a substantial increase in demand for convenient and personalized banking services. Customers are increasingly opening saving accounts in retail banks to leverage benefits such as mobile banking, online account management, contactless payments, and real-time customer support. For instance, in 2023, RBL Bank reported a total of INR 78,186 crore, which is a 21% surge from the year 2022. Breaking this down, the bank's retail advances grew by 34% year-on-year, while its wholesale advances rose by 7%. Moreover, retail banking is undergoing a significant transformation, requiring banks to adopt advanced technologies such as natural language processing (NLP), artificial intelligence (AI), and machine learning (ML) to become trusted partners and deliver improved services.
On-premises
Cloud-based
On-premises represents the most popular mode of deployment
The report has provided a detailed breakup and analysis of the market based on the deployment mode. This includes on-premises and cloud-based. According to the report, on-premises represented the largest segment.
On-premises deployment caters to the specific needs and preferences of financial institutions that prioritize maintaining control and security over their infrastructure and data. Many banks, especially large and established ones, prefer on-premises solutions owing to regulatory compliance requirements and data privacy concerns.
Online Banking
Mobile Banking
Online banking accounts for the majority of the share in the market
The report has provided a detailed breakup and analysis of the market based on the banking mode. This includes online and mobile banking. According to the report, online banking represented the largest segment.
Online banking enables financial institutions to offer a wide range of services to customers through digital channels. According to Deloitte Insights reports, web/online banking is preferred over mobile for tasks like paying bills, updating account details, making international transfers, and researching financial products. This is due to the need for greater accuracy, ease of comparison, or simply personal preference. According to an October 2023 ABA study, Baby Boomers, at 39%, lead the pack in using online banking as their primary banking channel. Moreover, with the rapid proliferation of smartphones, tablets, and internet connectivity, customers today expect seamless and convenient access to their accounts and banking services online.
North America
United States
Canada
Asia-Pacific
China
Japan
India
South Korea
Australia
Indonesia
Others
Europe
Germany
France
United Kingdom
Italy
Spain
Russia
Others
Latin America
Brazil
Mexico
Others
Middle East and Africa
North America exhibits a clear dominance in the market.
The report has also provided a comprehensive analysis of all the major regional markets, which include North America (the United States and Canada); Asia Pacific (China, Japan, India, South Korea, Australia, Indonesia, and others); Europe (Germany, France, the United Kingdom, Italy, Spain, Russia, and others); Latin America (Brazil, Mexico, and others); and the Middle East and Africa. According to the report, North America was the largest regional market for digital banking platforms.
The presence of various big banks in North America is one of the primary reasons for the region's growth. Digital banking companies in the region offer software as a service so that legacy systems can be turned into digital ones. For instance, Temenos helps new US digital banks go live in 90 days with the most functionally rich and technologically advanced front-to-back SaaS digital banking offering. Moreover, the region's strong economy and well-established banking sector is further contributing to the growth of digital banking platforms. With a highly competitive financial services landscape, banks in the North American region are constantly seeking innovative ways to attract and retain customers.
Appway AG (FNZ (UK) Ltd.)
Fidelity Information Services (FIS)
Finastra Limited
Fiserv Inc.
Infosys Limited
nCino
NCR Corporation
Oracle Corporation
SAP SE
Sopra Steria
Tata Consultancy Services Limited
Temenos AG
The Bank of New York Mellon Corporation
Worldline
(Please note that this is only a partial list of the key players, and the complete list is provided in the report.)
January 2023: HDFC Bank, India's largest private sector bank, partnered with Microsoft for the next phase of its digital transformation journey. This partnership is anticipated to unlock business value by transforming the application portfolio, modernizing the data landscape, and securing the enterprise with Microsoft Cloud.
January 2024: Bank of America spent US$ 3.8 Billion on new technologies last year and plans to do so in 2024 as well, as it develops and deploys generative AI capabilities.
March 2024: RBI, India's central bank, expects to launch interoperability of digital payment systems for internet banking in 2024.