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市场调查报告书
商品编码
1644309

数位银行平台 -市场占有率分析、产业趋势与统计、成长预测（2025-2030 年）

Digital Banking Platform - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2025 - 2030)
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

预计 2025 年数位银行平台市场规模为 115.6 亿美元，预计到 2030 年将达到 223 亿美元，预测期内（2025-2030 年）的复合年增长率为 14.04%。

数位银行平台-市场-IMG1

随着消费者对智慧行动装置和数位银行服务的需求，银行业正在迅速数位化。这些是推动市场成长的一些主要因素。

关键亮点

  • 大多数银行喜欢数位银行平台，因为它们提供各种好处，例如降低 IT 成本、加快产品上市时间、开放银行、开箱即用且可配置的功能、全通路客户体验、微服务架构等。例如，2022 年 12 月，德勤宣布与 AWS 合作，解决业务的一个长期挑战：向涵盖从客户端介面到后勤部门业务等所有内容的数位优先系统过渡。
  • 儘管新型银行仍是一个小众市场，但它们的市场占有率正在强劲增长，为客户提供的服务成本仅为传统银行的三分之一左右。金融科技瞄准的是价值链中利润丰厚的市场。拥有庞大基本客群的大型科技公司是真正的威胁，而少数现有企业正在大力投资创新，将后进企业推向阴影。
  • 然而，数位银行平台与旧有系统的整合、网路中断和安全问题等问题可能会阻碍市场成长，因为这些因素可能会对银行造成严重损失。
  • 新冠疫情导致网路银行活动增加，包括数位交易的增加，以及实体银行分行客流量的减少。疫情迫使个人消费者以及曾经抵制网路银行的企业采用数位银行应用程式作为新的预设。疫情增加了消费者的便利性，这可能会在长期内提振需求。在供应商方面，大多数公司都专注于透过提供困难时期所需的服务来赢得客户。

数位银行平台市场趋势

云端基础平台的普及推动市场成长

  • 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，打造创新的数位银行解决方案，旨在增加菲律宾人获得优质金融服务的机会。
  • 许多银行倾向于利用云端基础的服务来降低内部设置所需的IT基础设施成本。云端基础的服务使您能够快速推出新产品和扩展基础设施，快速服务于具有多样化需求的广泛客户群，并在保持合规性和安全标准的同时管理即时付款的快速成长。
  • 向SaaS供应商支付订阅费，从而减少系统维护成本和遗留技术问题。 SaaS 使银行避免在 IT 上花费数十亿美元，并重新分配预算以专注于创新、客户满意度和业务成长。
  • 此外，透过利用云，行动银行平台可以提供响应式使用者介面 (UI)，以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。由于对行动银行偏好的改变，银行正迅速采用行动银行平台。
  • 此外，Whatsapp Pay 和 PhonePay 等第三方即时付款应用程式的采用率不断提高，也导致银行对可靠的基础设施产生需求，以促进 UPI 交易。例如，Visa 最近以 53 亿美元完成了对金融科技新兴企业Plaid 的收购，该技术使应用程式能够轻鬆、即时地连接到客户的银行帐户。这项技术转变正在推动数位银行业对云端基础设施的需求。

预计北美将占很大份额

  • 许多大型银行向北美扩张是数位银行平台市场不断扩大的主要原因。该地区的数位银行公司提供软体即服务（SaaS）解决方案，以协助数位化旧有系统。例如，Temenos 提供功能最丰富、技术最先进的前端到后端 SaaS 数位银行产品，帮助美国新数位银行在 90 天内运作。
  • 随着可提高安全性的区块链技术越来越多地应用，尤其是在 BSFI 领域，数位银行平台变得越来越受欢迎。这正在推动国内市场的成长。许多公司正在开发基于区块链的云端数位银行平台。
  • 北美也是最具创新力和最早采用云端运算的地区之一。云端基础设施供应商已在该地区建立了强大的影响力，帮助市场进一步成长。
  • 随着金融科技应用程式的使用量同样增加，数位银行平台的使用量也稳定成长，并成为美国成长最快的应用程式之一。全球冠状病毒（COVID-19）大流行导緻美国人们更多地待在家里并更多地使用行动电话。这导致了全部区域数位银行业务的增加。

数位银行平台产业概况

数位银行平台市场日益分散。这是因为多家公司和解决方案正在进入市场，造成了数位银行生态系统的碎片化。然而，随着技术进步和产品创新，中小企业正在透过赢得新合约和伙伴关係关係来扩大其市场影响力。

2023 年 1 月，Axis Bank 与 OPEN 合作，为其客户提供完全原生的数位活期帐户，包括小型企业、自由工作者、自营业者和有影响力的人。此次合作将使更大的商业社区能够获得 Axis Bank 的综合银行体验和 OPEN 的端到端财务自动化功能，以用于付款、会计、薪资核算、合规和费用管理等业务运营。

2022 年 11 月，Capco 和 Savana 宣布建立策略合作，以加速银行转型并推动数位产品的持续创新。此次伙伴关係将协助银行克服所面临的技术挑战，满足客户对无缝、现代、全通路体验不断变化的期望与需求。

其他福利

  • Excel 格式的市场预测 (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

第二章调查方法

第三章执行摘要

第四章 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
    • 消费者议价能力
    • 新进入者的威胁
    • 替代品的威胁
    • 竞争对手之间的竞争
  • 市场驱动因素
    • 越来越多地采用云端基础的平台来实现高可扩展性
    • 消费者对智慧行动装置和数位银行服务的需求日益增加
  • 市场限制
    • 安全担忧日益加剧
  • COVID-19 工业影响评估

第五章 市场区隔

  • 按部署
    • 云
    • 本地
  • 按类型
    • 公司银行
    • 零售银行
  • 按地区
    • 北美洲
    • 亚太地区
    • 欧洲
    • 中东和非洲

第六章 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

第七章投资分析

第八章 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 11.56 billion in 2025, and is expected to reach USD 22.30 billion by 2030, at a CAGR of 14.04% during the forecast period (2025-2030).

Digital Banking Platform - Market - IMG1

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