日本新型银行业务市场：依帐户类型、目的、服务、地区、机会、预测，2018-2032年

日本新型银行业务市场规模预计将从2024年的72.6亿美元成长到2032年的314亿美元，在2025年至2032年的预测期内年复合成长率为20.09%。在消费者对现代金融解决方案的多方面需求的推动下，市场经历显着成长。智慧型手机的普及和数位银行的兴起对消费者行为产生重大影响，消费者的偏好转向方便且负担得起的银行业务。人工智慧和区块链等先进技术使新型银行业务能够提供创新且安全的金融产品，改善客户体验。监管框架和政府措施的支持创造有利于金融科技创新的环境。新型银行业务的营运成本比传统银行低，因此能够提供有竞争力的价格，并扩大服务不足的人群获得金融服务的机会。因此，日本的新型银行业务市场充满活力，也是成长最快的市场之一。

Neobanks 为客户提供快速开户、即时交易以及在家中舒适的存取。2024年，Wise是一家全球科技公司，也是一家领先的国际金融服务供应商，在日本取得了1类资金转移业务许可。获得该许可后，Wise Payment Japan Co., Ltd.将扩大先前100万日圆的交易限额。

数位银行的日益普及预计将为日本的新型银行业务市场提供主要推动力。数位银行趋势迅速发展，以跟上日益提高客户便利性的趋势。日本客户越来越喜欢使用智慧型手机和其他数位手段来存取银行业务，新型银行业务利用这一现象，提供用户和应用程式友善的平台。数位银行的成长反映了线上和行动金融服务的更广泛趋势，凸显了新型银行业务业务成本友善和创新主张的吸引力。增强的数位体验以及金融科技的进步吸引消费者从传统金融机构转向新型银行业务提供的灵活且易于使用的解决方案。因此，由于对数位银行的需求不断成长、改变金融环境并鼓励进一步创新，预计日本的新型银行业务业务将会增加。

本报告检视了日本新型银行业务市场，并提供了市场概况、依帐户类型、使用情况、服务和地区划分的趋势，以及进入市场的公司概况。

目录

第1章 专案范围与定义

第2章 研究方法

第3章 执行摘要

第4章 顾客回馈

第5章 日本新型银行业务市场展望，2018-2032年

• 市场规模分析与预测
• 市占率分析与预测
• 2024年市场地图分析
  • 依帐户类型
  • 依用途
  • 依服务
  • 依地区

第6章 供需分析

第7章 价值链分析

第8章 波特五力分析

第9章 PESTLE分析

第10章 利率分析

第11章 市场动态

第12章 市场趋势与发展

第13章 案例研究

第14章 竞争态势

• 前 5 名市场领导者的竞争矩阵
• 前 5 名进入公司的SWOT 分析
• 市场前10位主要参与者的情况
  • Japan Airlines Company Limited
  • Au Jibun Bank Corporation
  • Kyash Inc
  • Neat Limited
  • Sony Bank Inc.
  • SBI Sumishin Net Bank Limited
  • Rakuten Bank Limited
  • TransferGo Limited
  • Wise Payments Japan K.K.
  • WorldRemit Limited

第15章 策略建议

第16章 查询及免责声明

Japan neobanking market is projected to witness a CAGR of 20.09% during the forecast period FY2025-FY2032, growing from USD 7.26 billion in FY2024 to USD 31.40 billion in FY2032. The market is witnessing significant growth due to multifaceted demand by consumers for modern financial solutions. Growing smartphone adoption and increased digital banking have significantly affected consumer behavior, shifting consumer preferences toward convenient and affordable banking. Advanced technologies, such as AI and blockchain, allow neobanks to offer innovative and safe financial products that improve customer experience. Support from regulatory frameworks and initiatives from the government creates a facilitating environment for fintech innovations. Neobanks can keep their operational costs lower than their traditional peers, which enables them to offer competitive pricing and expand financial inclusions among the underserved segments of the population. Consequently, these factors have made Japan neobanking market, vibrant and one of the fastest growing.

Neobanks offer rapid opening of accounts, making real-time transactions, and ensuring comfort for customers from their homes. In 2024, Wise is a global technology company licensed as a Type 1 Funds Transfer Service Provider in Japan, one of the very first international financial service providers. This license will be able to extend the transaction limit previously standing at JPY 1 million via Wise Payments Japan K.K.

Surge in Adoption of Digital Banking to Boost Market Growth

Increased digital banking adoption will provide a massive boost to the neobanking market in Japan. Digital transactions have become fast, catching up with the trend of convenience among customers, which will further give an upward drive to the market. Japanese customers have turned more affectionate toward smartphones and other digital means to access their banks, and neobanks, successfully capitalizing on this phenomenon by offering user and app-friendly platforms. This growth in digital banking reflects the broader trend of online and mobile financial services and underlines the attractiveness of neobanks' cost-friendly and innovative proposals. Enhanced digital experiences, along with fintech advancements, attract consumers from traditional institutions to the flexible and accessible solutions provided by neobanks. Therefore, neobanking in Japan will increase due to the accelerated need for digital banking and will change the financial scenario, encouraging further innovations. In June 2024, TransferGo extended its partnership with Visa, the world's leader in digital payments, to ramp up efforts for seamless cross-border payments while encouraging financial inclusion across Central Asia, the Caucasus, and Moldova.

Fusion of Advanced Technologies to Boost the Market Growth

The integration of several advanced technologies is driving the growth of Japan neobanking market, with a complete change in the delivery and experience of financial services. AI is a key lever in enhancing customer engagement; through chatbots and virtual personal assistants, there can be instant support and personalized advice. This allows AI-driven predictive analytics to be applied by neobanks, moving a step closer to reality in the tailored offering of financial products and anticipating customer needs with greater precision. It contributes to the sector by offering safe, transparent, and tamper-proof transactions that instill trust and reduce fraud risks. This technology can enable decentralized applications in DeFi capable of providing a range of innovative financial services beyond the bounds of traditional banking models. In October 2023, au Jibun Bank implemented Authlete to build OAuth 2.0 authorization capabilities for its APIs, enabling secure access for business partners.

Big data analytics further powers neobanking by offering deep insights into customer behavior and preference. It enables neobanks to continuously adapt their offerings in developing personalized financial solutions, improving the overall user experience. With such technologies, neobanks can normalize operations and bring down costs, thus enabling scalability. All this makes neobanks increasingly appealing to tech-savvy consumers in Japan. This technological synergy is transforming the financial landscape and positioning neobanks as key players in the future of banking in Japan.

Business Account to Dominate the Japan Neobanking Market

Business accounts are poised to drive the growth of the neobanking market in Japan as demand rises for smooth and seamless financial solutions by its SME and startup segments. Neobanks will be well-positioned to meet the most complex needs of businesses through targeted financial products that include real-time expense management, integrated invoicing, and automated accounting services. These digital-first solutions provide businesses with greater flexibility, lower fees, and enhanced transparency compared to traditional banking methods. However, the growth in digital transformation within Japan's business ecosystem raises neobanks' appeal, as companies look to leverage new technologies to create operational efficiencies and cost savings. This is where neobanks are expected to continue taking business away from the business banking segment due to growth and become indispensable partners for modern enterprises in Japan's changed financial scenario.

Savings accounts will be a key phenomenon in neobanking, in response to the growth in demand for more accessible and yield-enhancing financial products by Japan's tech-savvy consumers. Neobanks are uniquely positioned to offer competitive savings account rates with lower fees and, eventually, seamless digital management. The included features in this account usually comprise automated savings plans, goal-setting tools, and real-time notifications, allowing user engagement and better management of one's finances.

Kanto to Dominate Japan's Neobanking Market Share

Kanto, which encompasses Tokyo and its surrounding environments, is the most dominant force in Japan's neo-banking market because of its unmatched economic and technological advantages. As the country's financial capital, the region has an incredible concentration of businesses, startups, and technology-savvy consumers that provide a high demand for online banking solutions. Advanced infrastructure in the region makes the pace of technological adoption. There is high-speed access to the internet almost everywhere to support seamless online banking experiences. Several financial institutions and fintech firms create a competitive atmosphere in Kanto, speeding the innovation and development of services. In April 2024, Rakuten Group will merge its fintech businesses into one group, aiming to reinforce collaboration and the acquisition of customers across online banking and credit cards to securities and insurance. Overall, the progressive attitude and vitality of the economy make a strong ecosystem for neobanks, which are given every opportunity to attract and serve clients in all categories. Thus, economic strength combined with technological infrastructure and innovation makes Kanto a remarkable region in the country.

Future Market Scenario (FY2025 - FY2032F)

Further innovation will be driven by consumer expectations for seamless user experiences, access via multi-channels, and integration with other digital services.

The potential role that Japanese neobanks could play within the financial system is huge, as the country digitalizes. They can offer innovative, customized banking solutions made possible by emerging technologies such as artificial intelligence, machine learning, and blockchain.

With increased consumer consumption of digital banking services, digital financial literacy will continue to grow, as will the embedment of neobanks in daily financial management.

Key Players Landscape and Outlook

Neobanking markets have become a field of vivid competition among newly created fintech startups, traditional financial institutions, and international players who are trying to win leading positions in the swiftly changing environment. In turn, emerging fintech startups create a competitive environment with innovative, technology-driven solutions, and user-friendly interfaces, offering special financial products needed for the niche segments of users and fostering digital-first experiences. Simultaneously, traditional banks take part in neobanking through digital platforms or strategic partnerships by using their wide consumer bases and regulatory experience. International neobanks add another layer of competitiveness with global best practices and advanced technologies to the market. In this competition, success will depend on technological innovation, superior customer experiences, and effective handling of regulatory requirements as players try to differentiate themselves and increase their market share.

In December 2023, Blackstone announced that its Private Equity funds have entered into a definitive agreement to acquire from Sony Bank a majority stake in Sony Payment Services Inc., one of Japan's largest payment service providers. Under the terms of the agreement, Sony Bank would retain a minority interest in the company and continue to support the future growth of SPSV. This transaction represents Blackstone's first investment in the financial technology sector of Japan.

Table of Contents

1. Project Scope and Definitions

2. Research Methodology

3. Executive Summary

4. Voice of Customer

• 4.1. Product and Market Intelligence
• 4.2. Mode of Brand Awareness
• 4.3. Factors Considered in Purchase Decisions
  • 4.3.1. Account Type
  • 4.3.2. Service
  • 4.3.3. Account Opening Fees
  • 4.3.4. Tenure
  • 4.3.5. Interest Rate
  • 4.3.6. Security
  • 4.3.7. Discounts and Offers
• 4.4. Customer Support
• 4.5. Consideration of Privacy and Regulations

5. Japan Neobanking Market Outlook, FY2018-FY2032F

• 5.1. Market Size Analysis & Forecast
  • 5.1.1. By Value
• 5.2. Market Share Analysis & Forecast
  • 5.2.1. By Account Type
    • 5.2.1.1. Savings Account
    • 5.2.1.2. Business Account
  • 5.2.2. By Application
    • 5.2.2.1. Enterprises
    • 5.2.2.2. Personal
    • 5.2.2.3. Others
  • 5.2.3. By Service
    • 5.2.3.1. Mobile Banking
    • 5.2.3.2. Payments and Money Transfer
    • 5.2.3.3. Checking/Savings Account
    • 5.2.3.4. Loans and Insurance
    • 5.2.3.5. Investments
    • 5.2.3.6. Others
  • 5.2.4. By Region
    • 5.2.4.1. North [Hokkaido and Tohoku]
    • 5.2.4.2. Central [Kanto and Chubu]
    • 5.2.4.3. South [Kansai, Chugoku, Shikoku, Kyushu, Okinawa]
  • 5.2.5. By Company Market Share Analysis (Top 5 Companies and Others - By Value, FY2024)
• 5.3. Market Map Analysis, FY2024
  • 5.3.1. By Account Type
  • 5.3.2. By Application
  • 5.3.3. By Service
  • 5.3.4. By Region

6. Demand Supply Analysis

7. Value Chain Analysis

8. Porter's Five Forces Analysis

9. PESTLE Analysis

10. Interest Rate Analysis

11. Market Dynamics

• 11.1. Market Drivers
• 11.2. Market Challenges

12. Market Trends and Developments

13. Case Studies

14. Competitive Landscape

• 14.1. Competition Matrix of Top 5 Market Leaders
• 14.2. SWOT Analysis for Top 5 Players
• 14.3. Key Players Landscape for Top 10 Market Players
  • 14.3.1. Japan Airlines Company Limited (JAL Global Wallet)
    • 14.3.1.1. Company Details
    • 14.3.1.2. Key Management Personnel
    • 14.3.1.3. Products and Services
    • 14.3.1.4. Financials (As Reported)
    • 14.3.1.5. Key Market Focus and Geographical Presence
    • 14.3.1.6. Recent Developments/Collaborations/Partnerships/Mergers and Acquisition
  • 14.3.2. Au Jibun Bank Corporation
  • 14.3.3. Kyash Inc
  • 14.3.4. Neat Limited
  • 14.3.5. Sony Bank Inc.
  • 14.3.6. SBI Sumishin Net Bank Limited
  • 14.3.7. Rakuten Bank Limited
  • 14.3.8. TransferGo Limited
  • 14.3.9. Wise Payments Japan K.K.
  • 14.3.10. WorldRemit Limited

Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work.

15. Strategic Recommendations

16. About Us and Disclaimer

List of Tables

• Table 1. Pricing Analysis of Products from Key Players
• Table 2. Competition Matrix of Top 5 Market Leaders
• Table 3. Mergers & Acquisitions/ Joint Ventures (If Applicable)
• Table 4. About Us - Regions and Countries Where We Have Executed Client Projects

List of Figures

• Figure 1. Japan Neobanking Market, By Value, In USD Billion, FY2018-FY2032F
• Figure 2. Japan Neobanking Market Share (%), By Account Type, FY2018-FY2032F
• Figure 3. Japan Neobanking Market Share (%), By Application, FY2018-FY2032F
• Figure 4. Japan Neobanking Market Share (%), By Service, FY2018-FY2032F
• Figure 5. Japan Neobanking Market Share (%), By Region, FY2018-FY2032F
• Figure 6. By Account Type Map-Market Size (USD Billion) & Growth Rate (%), FY2024
• Figure 7. By Application Map-Market Size (USD Billion) & Growth Rate (%), FY2024
• Figure 8. By Service Map-Market Size (USD Billion) & Growth Rate (%), FY2024
• Figure 9. By Region Map-Market Size (USD Billion) & Growth Rate (%), FY2024