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市场调查报告书
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1445650

数位银行平台 - 市场占有率分析、产业趋势与统计、成长预测（2024 - 2029）

Digital Banking Platform - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2024 - 2029)
出版日期: | 出版商: Mordor Intelligence | 英文 115 Pages | 商品交期: 2-3个工作天内

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简介目录

数位银行平台市场规模预计到 2024 年为 101.4 亿美元，预计到 2029 年将达到 195.6 亿美元，在预测期内（2024-2029 年）CAGR为 14.04%。

数位银行平台 - 市场

银行业正在快速经历数位转型，消费者需要智慧行动装置和数位银行服务。这些是推动市场成长的一些主要因素。

主要亮点

  • 大多数银行喜欢数位银行平台，因为它具有各种优势，例如降低 IT 成本、快速上市、开放银行、开箱即用但可配置的功能、全通路客户体验和微服务架构等一些。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。
  • 儘管新银行仍然是一个利基市场，但它们的市场份额增长率更高，并且服务客户的成本约为传统银行的三分之一。金融科技公司瞄准了价值链中利润丰厚的利基市场。拥有庞大客户群的大型科技公司构成了真正的威胁，一些老牌企业正在大力投资创新，使落后者黯然失色。
  • 然而，数位银行平台与遗留系统的整合、网路中断和安全问题等问题可能会对银行造成严重损失，因此这些因素可能会阻碍市场的成长。
  • 由于新冠肺炎 (COVID-19) 危机，网路银行活动增加，例如数位交易增加，而前往实体分行的次数减少。这场大流行迫使曾经抵制网路银行的个人消费者和企业采用数位银行应用程式作为新的预设。疫情为消费者带来了更多便利，长远来看可能会增加需求。在供应商方面，大多数供应商一直专注于透过提供挑战时期所需的服务来获取客户。

数位银行平台市场趋势

越来越多地采用基于云端的平台来促进市场成长

  • 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。
  • 许多银行更喜欢利用基于云端的服务来削减本地设置所需的IT 基础设施成本，这使他们能够快速部署新产品和扩展基础设施，以更快的速度满足更广泛的客户群的不同需求，并快速管理增加即时支付，同时确保合规性和安全标准。
  • 由于向 SaaS 提供者支付订阅费，系统维护成本和遗留技术问题都会减少。 SaaS 为银行提供了重新分配预算的能力，使他们能够专注于创新、客户满意度和业务成长，而不是在 IT 上花费大量资金。
  • 云端的使用还帮助行动银行平台提供响应式使用者介面 (UI)，并支援银行客户在行动装置上的整个银行业务流程，从入职到交易银行请求。由于银行对行动银行的偏好不断变化，它们正在迅速采用行动银行平台。
  • 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 PhonePay），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、即时地连接客户的银行帐户。诸如此类的技术变革导致数位银行业对云端基础设施的需求增加。

北美预计将占据主要份额

  • 许多最大的银行都位于北美，这是数位银行平台市场不断增长的一个重要原因。该地区的数位银行公司提供软体即服务，以便将遗留系统转变为数位系统。例如，Temenos 凭藉着功能最丰富、技术最先进的前端到后端 SaaS 数位银行产品，帮助新的美国数位银行在 90 天内上线。
  • 随着安全性更好的区块链技术的使用越来越多，数位银行平台变得越来越受欢迎，特别是在 BSFI 领域。这一因素正在推动该国市场的成长。许多公司正在开发基于区块链的云端数位银行平台。
  • 北美也是最具创新性和最早使用云端的地方之一。云端基础设施供应商在该地区拥有强大的立足点，这有助于市场进一步成长。
  • 数位银行平台的使用量稳定上升，金融科技应用程式的使用量也出现了类似的成长，金融科技应用程式是美国成长最快的应用程式类型之一。由于全球冠状病毒（COVID-19）大流行，美国人更多地留在家里并更多地使用手机。这导致该地区出现了更多的数位银行业务。

数位银行平台产业概况

数位银行平台市场正走向碎片化。这是因为公司和解决方案进入市场，在数位银行生态系统中形成了碎片化的格局。然而，随着技术进步和产品创新，中小型公司正在透过获得新合约和合作伙伴关係来扩大其市场份额。

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 的端到端财务自动化功能，用于业务管理，例如支付、会计、工资单、合规性、支出管理和其他服务。

2022年11月，Capco与Savana宣布策略合作，加速银行转型，推动数位产品持续创新。此次合作将支持银行克服在满足不断变化的客户期望和无缝现代全通路体验需求方面所面临的技术挑战。

额外的好处：

  • Excel 格式的市场估算 (ME) 表
  • 3 个月的分析师支持

目录

第 1 章：简介

  • 研究假设和市场定义
  • 研究范围

第 2 章：研究方法

第 3 章：执行摘要

第 4 章：市场动态

  • 市场概况
  • 产业价值链分析
  • 产业吸引力－波特五力分析
    • 供应商的议价能力
    • 消费者的议价能力
    • 新进入者的威胁
    • 替代品的威胁
    • 竞争激烈程度
  • 市场驱动因素
    • 越来越多地采用基于云端的平台以获得更高的可扩展性
    • 消费者对智慧行动装置和数位银行服务的需求不断增长
  • 市场限制
    • 日益增加的安全担忧
  • COVID-19 对产业影响的评估

第 5 章：市场细分

  • 按部署
    • 云
    • 本地部署
  • 按类型
    • 企业银行
    • 零售银行
  • 地理
    • 北美洲
    • 亚太地区
    • 欧洲
    • 中东和非洲

第 6 章：竞争格局

  • 公司简介
    • Appway AG
    • CREALOGIX Holding AG
    • EdgeVerve Systems Limited
    • Fiserv, Inc.
    • Oracle Corporation
    • SAP SE
    • Sopra Steria
    • Tata Consultancy Services Limited
    • Temenos Headquarters SA
    • Worldline SA

第 7 章：投资分析

第 8 章：市场机会与未来趋势

简介目录
Product Code: 70784

The Digital Banking Platform Market size is estimated at USD 10.14 billion in 2024, and is expected to reach USD 19.56 billion by 2029, growing at a CAGR of 14.04% during the forecast period (2024-2029).

Digital Banking Platform - Market

The banking industry is going through a digital transformation quickly, and consumers want smart mobile devices and digital banking services. These are some of the main things that are driving the market's growth.

Key Highlights

  • The majority of the banks prefer digital banking platforms due to the various benefits offered, such as reduced IT cost, fast time to market, open banking, out-of-the box yet configurable capabilities, omnichannel customer experience, and microservice architecture, to name a few. For example, 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.
  • Though neo-banks are still a niche market, they are witnessing a higher growth rate in terms of market share and serving customers at around one-third of the cost of traditional banks. Fintechs are targeting lucrative niches in the value chain. The big tech players, with their large customer bases, pose a real threat, and a few incumbents are investing heavily in innovation, putting laggards in the shade.
  • However, issues such as integrating digital banking platforms with legacy systems, network outages, and security concerns can cause banks severe losses, and thus such factors might hamper the growth of the market.
  • As a result of the COVID-19 crisis, there was a rise in online banking activity, such as increased digital transactions, and a decline in trips to brick-and-mortar branches. The pandemic forced individual consumers as well as corporations that once resisted online banking to adopt digital banking apps as their new default. The pandemic resulted in increased convenience among consumers, which might grow demand in the long run. On the vendors part, the majority of the vendors have been concentrating on customer acquisition by providing services demanded by the challenging times.

Digital Banking Platform Market Trends

Increasing Adoption of Cloud-Based Platforms to Boost the Market Growth

  • 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.
  • Many banks prefer cutting the IT infrastructure cost needed for on-premise setup by leveraging cloud-based services, which enable them to deploy new products and scale infrastructure quickly, cater to a broader customer base with varied needs at a faster speed, and manage rapidly increasing real-time payments while ensuring compliance and security standards.
  • As a subscription fee is paid to a SaaS provider, system maintenance costs and legacy technology issues are reduced. Rather than spending a small fortune on IT, SaaS provides banks with the ability to reallocate budgets so they can focus on innovation, customer satisfaction, and business growth.
  • The use of the cloud has also helped mobile banking platforms offer a responsive user interface (UI) and support the bank customers' entire banking journey, right from onboarding to transactional banking requests, on their mobile devices. Banks are rapidly adopting mobile banking platforms, owing to their changing preference toward mobile banking.
  • Moreover, increased adoption of third-party applications for real-time payments, such as Whatsapp Pay and PhonePay, has led to increased demand for reliable infrastructure by the banks to carry out UPI transactions smoothly. For instance, Visa recently completed a USD 5.3 billion acquisition of Plaid, a fintech startup that allows applications to connect with customers' bank accounts easily and instantly. Technological shifts such as these have led to increased demand for cloud infrastructure in the digital banking industry.

North America is Expected to Hold Major Share

  • Many of the biggest banks are in North America, which is a big reason why the market for digital banking platforms is growing. 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 U.S. digital banks go live in 90 days with the most functionally rich and technologically advanced front-to-back SaaS digital banking offering.
  • Digital banking platforms are becoming more popular as blockchain technology, which makes security better, is used more and more, especially in the BSFI sector. This factor is fueling the market's growth in the country. Many companies are developing blockchain-based cloud digital banking platforms.
  • North America is also one of the most innovative and first places to use the cloud. Cloud infrastructure providers have a strong foothold in the region, which helps the market grow even more.
  • The steady rise in the use of digital banking platforms follows a similar rise in the use of fintech apps, which are notable for being one of the fastest-growing types of apps in the US. Due to the global coronavirus (COVID-19) pandemic, people in the United States stayed at home more and used their phones more. This led to more digital banking across the region.

Digital Banking Platform Industry Overview

The market for digital banking platforms is moving toward fragmentation. This is because of the entry of companies and solutions into the market, creating a fragmented landscape within the digital banking ecosystem. However, with technological advancements and product innovation, midsize to smaller companies are increasing their market presence by securing new contracts and partnerships.

In January 2023, Axis Bank collaborated with OPEN to provide its clients, who include 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, such as payments, accounting, payroll, compliance, expenditure management, and other services.

In November 2022, Capco and Savana announced that they would work together in a strategic way to speed up the transformation of banks and drive continuous innovation in digital products. This partnership will support banks in overcoming the technical challenges they face in meeting evolving customer expectations and needs for seamless modern omnichannel experiences.

Additional Benefits:

  • The market estimate (ME) sheet in Excel format
  • 3 months of analyst support

TABLE OF CONTENTS

1 INTRODUCTION

  • 1.1 Study Assumptions and Market Definition
  • 1.2 Scope of the Study

2 RESEARCH METHODOLOGY

3 EXECUTIVE SUMMARY

4 MARKET DYNAMICS

  • 4.1 Market Overview
  • 4.2 Industry Value Chain Analysis
  • 4.3 Industry Attractiveness - Porter's Five Forces Analysis
    • 4.3.1 Bargaining Power of Suppliers
    • 4.3.2 Bargaining Power of Consumers
    • 4.3.3 Threat of New Entrants
    • 4.3.4 Threat of Substitutes
    • 4.3.5 Intensity of Competitive Rivalry
  • 4.4 Market Drivers
    • 4.4.1 Increasing Adoption of Cloud-Based Platforms to Obtain Higher Scalability
    • 4.4.2 Rising demand for smart mobile devices and digital banking services among consumers
  • 4.5 Market Restraints
    • 4.5.1 Increasing Security Concerns
  • 4.6 Assessment of Impact of COVID-19 on the Industry

5 MARKET SEGMENTATION

  • 5.1 By Deployment
    • 5.1.1 Cloud
    • 5.1.2 On-Premises
  • 5.2 By Type
    • 5.2.1 Corporate Banking
    • 5.2.2 Retail Banking
  • 5.3 Geography
    • 5.3.1 North America
    • 5.3.2 Asia Pacific
    • 5.3.3 Europe
    • 5.3.4 Middle East and Africa

6 COMPETITIVE LANDSCAPE

  • 6.1 Company Profiles*
    • 6.1.1 Appway AG
    • 6.1.2 CREALOGIX Holding AG
    • 6.1.3 EdgeVerve Systems Limited
    • 6.1.4 Fiserv, Inc.
    • 6.1.5 Oracle Corporation
    • 6.1.6 SAP SE
    • 6.1.7 Sopra Steria
    • 6.1.8 Tata Consultancy Services Limited
    • 6.1.9 Temenos Headquarters SA
    • 6.1.10 Worldline SA

7 INVESTMENT ANALYSIS

8 MARKET OPPORTUNITIES AND FUTURE TRENDS