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市场调查报告书
商品编码
1754119
数位银行平台市场报告,按组件(解决方案、服务)、类型(零售银行、公司银行)、部署模式(本地、基于云端)、银行模式(网路银行、手机银行)和地区划分,2025 年至 2033 年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 2025-2033 |
2024年,全球数位银行平台市场规模达73亿美元。展望未来, IMARC Group预计到2033年,该市场规模将达到190亿美元,2025-2033年期间的复合年增长率(CAGR)为10.66%。对便利无缝银行体验的需求日益增长、技术不断进步,以及客户对线上交易和个人化银行服务的偏好日益增长,是推动市场发展的主要因素。
无缝便利银行业务的需求日益增长
客户对无缝便利银行体验的需求日益增长,这主要催化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,而不受传统实体店营运的束缚。因此,各金融机构正在与科技提供者合作,采取措施,使网路银行更加无缝且安全。例如,2022年12月,德勤宣布与AWS合作,以解决银行业的一个长期难题:向涵盖从客户端介面到后台营运的数位优先系统转型。同样,2023年1月,Axis Bank与OPEN合作,为其客户(包括中小企业、自由工作者、家庭企业家、网红等)提供完全原生的数位活期帐户。此次合作使更广泛的商业群体能够享受Axis Bank全面的银行体验以及OPEN端到端的财务自动化功能,从而更好地管理业务。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介面,可即时存取帐户资讯、资金转帐和帐单支付,预计这将在未来几年推动数位银行平台市场份额的成长。
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发展方面发挥关键作用。各大领先市场参与者正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,这些技术为银行业的变革提供了巨大的潜力。此外,WhatsApp Pay 和 Phone Pay 等第三方即时支付应用程式的普及,也导致银行对可靠基础设施的需求增加,以便顺利进行 UPI 交易。例如,Visa 最近斥资 53 亿美元收购了金融科技新创公司 Plaid,该公司允许应用程式轻鬆、即时地连接到客户的银行帐户。此外,云端平台与网路银行平台的整合也为整个市场带来了积极的前景。 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,打造了一项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洞察,以便做出更好的决策。
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,促进开放银行业务和资料共享,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) 发布了一份重要政策声明,概述了涵盖金融市场、贷款机构相关法规以及数位货币和金融科技等支付系统的几项发展和监管倡议。在金融市场方面,RBI 宣布将全面审查现有的电子交易平台 (ETP) 监管准则,这些平台允许进行 RBI 监管的金融工具交易,例如外汇和政府证券。开放银行业务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,这正在促进更互联互通的金融生态系统。
The global digital banking platform market size reached USD 7.3 Billion in 2024. Looking forward, IMARC Group expects the market to reach USD 19.0 Billion by 2033, exhibiting a growth rate (CAGR) of 10.66% during 2025-2033. 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.
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.
Solutions dominate the market
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 holds the largest share of the market
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 represents the most popular mode of deployment
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 accounts for the majority of the share in the market
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 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.
Figure 1: Global: Digital Banking Platform Market: Major Drivers and Challenges