市场调查报告书
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1559199
全球 BaaS (银行即服务) 市场评估:依组成部分、类型、公司规模、最终用户、地区、机会、预测 (2017-2031年)Banking-as-a-Service (BaaS) Market Assessment, By Component, By Type, By Enterprise Size, By End-user, By Region, Opportunities and Forecast, 2017-2031F |
全球 BaaS (银行即服务) 市场规模预计将从2023年的43.9亿美元增至2031年的167.1亿美元,并预计从2023年的43.9亿美元成长到2031年的167.1亿美元,估计2024年至2031年期间出现成长。由于对数位银行服务、对先进金融营运的可扩展且高效的后端支援以及改善的用户体验的快速需求,该市场不断成长。同时,嵌入式金融的趋势成长,增加了对无缝整合到各种应用程式并实现此类整合的BaaS 平台的需求。人工智慧和机器学习等技术的进步进一步推动了这种成长,使 BaaS 供应商能够提供先进且适应性强的服务。此外,开放银行业务的成长动能刺激创新和竞争,迫使金融机构寻求灵活、安全的后端解决方案。云端运算的普及改善 BaaS 平台上的基础设施可扩展性和高效能服务,这些因素共同推动着充满活力且不断变化的BaaS 市场。
银行即服务 (BaaS) 平台可让开发人员开发应用程式的功能和可用性,而 BaaS 则负责可扩充性、安全性和伺服器端操作。2024年,全球发卡领域领导者 Marqeta 与 Visa 和 Affirm 合作推出 Visa 弹性凭证。这张卡可在藉记卡、信用卡、延期付款和积分等付款方式之间无缝切换。 Marqeta 于2024年 5月获得 Visa 灵活凭证认证,让客户持卡人可以轻鬆选择任何付款方式。
金融服务中日益采用 BaaS 推动市场成长
BaaS 市场的主要成长因素之一是金融服务的日益普及。随着数位化的进步,所有金融交易和服务,包括银行、资产管理、投资信託、保险、证券交易、金融产品、税务和审计咨询、资本重组以及投资组合管理,对后端解决方案的需求变得更加可扩展和可靠。此外,网路服务的普及将加速这种数位转型,并影响金融机构和公司的营运方式。2024年 7月,PLS Financial Services 推出了 Xpectations! Plus 金融卡。在 Green Dot 综合金融平台的支持下,新帐户将为 PLS 超过 500万客户提供线上银行功能。此外,金融卡功能还包括许多有用的金融工具和服务,包括提前使用直接扣款、透支保护以及免费使用全国 ATM 网路。
BaaS 平台透过提供资料储存、使用者身份验证和即时处理所需的服务,为这些进步奠定了关键基础。这使得金融机构能够有效地处理大量交易、维护安全并在不中断的情况下扩展营运。因此,BaaS 的广泛采用对于金融科技现代化非常重要。这样,金融机构就可以继续改善其服务主张,并满足数位优先世界中客户不断变化的需求。
科技的快速进步推动市场发展
BaaS市场快速成长的主要原因之一是科技的快速进步。人工智慧、机器学习和高级云端运算等新创新的引进改变了 BaaS 平台提供的功能,使其功能强大且功能丰富。人工智慧和机器学习透过先进的资料分析、预测洞察和自动化简化后端流程并增强决策,进一步提升了 BaaS 解决方案的功能。另一方面,云端运算允许平台扩展以有效地处理不断成长的资料量和用户负载。这些技术能力支援BaaS,扩展了各种复杂应用程式的可扩展性和效能。
本报告研究和分析了全球 BaaS (银行即服务) 市场,提供市场规模和预测、市场动态以及主要参与者的现状和前景。
Global banking-as-a-service (BaaS) market is projected to witness a CAGR of 18.20% during the forecast period 2024-2031, growing from USD 4.39 billion in 2023 to USD 16.71 billion in 2031. The market for BaaS is growing due to rapid demand for digital banking services, scalable and efficient backend support for advanced financial operations, and enhanced user experiences. Parallelly, the mounting trend of embedded finance is being seamlessly integrated into a variety of applications and increasing demand for Baas platforms that enable such integrations. This growth is further being fueled by advancements in technologies, such as artificial intelligence and machine learning, as it enables BaaS providers to offer more advanced and adaptable services. In addition, the increasing momentum of open banking stimulates innovation and competition, driving financial institutions to pursue flexible and secure backend solutions. The widespread adoption of cloud computing is enabling better scalability of infrastructure in BaaS platforms and high-performance services, each factor taken together, driving a dynamic and fast-changing BaaS market.
Banking-as-a-service platform (BaaS) enables developers to work on the functionality of an app and its usability while BaaS takes care of scalability, security, and server-side operations. In 2024, one of the global card-issuing leader, Marqeta is collaborating with Visa and Affirm on the launch of the Visa Flexible Credential. This card will enable seamless switching among payment options, such as debit and credit, buy now, pay later, and rewards points. Marqeta obtained Visa Flexible Credential certification in May 2024 to enable its clients' cardholders to choose their preferred payment option simply.
Rising Adoption of BaaS in Financial Services to Boost Market Growth
This rising adoption of financial services is one of the major reasons for the growth of the BaaS market. With the increasing digitalization, the demand for scalable and reliable backend solutions intensifies for every financial transaction and service, including banking, wealth management, mutual funds, insurance, stock exchanges, treasury instruments, tax and audit consultation, capital restructuring, and portfolio management. Besides, the proliferation of internet services accelerates this digital transformation and affects how financial institutions and businesses operate. In July 2024, PLS Financial Services announced the launch of Xpectations! Plus, Debit Card. Powered by an integrated finance platform from Green Dot, this new account provides a full suite of online banking capabilities to PLS's more than five million customers. Features of Xpectations! Plus, a Debit Card includes early availability of direct deposits, overdraft protection, free access to a nationwide network of ATMs, and many other valuable financial tools and services.
BaaS platforms provide an important underlying structure for such advancement by offering required services around data storage, user authentication, and real-time processing. This thereby means that financial entities can process big volumes of transactions efficiently, maintain security, and expand their operations without difficulties. Therefore, wide adoption of BaaS is instrumental in modernizing fintech; this way, institutions can continue improving their service proposition and meet their customers' evolving needs in a digital-first world.
Rapid Advancements in Technology to Boost the Market
One of the major reasons for such a rapid boom in the BaaS market is the surging pace of technologies. The introduction of emerging innovations in AI, ML, and advanced cloud computing has structured changes in the capability provided by BaaS platforms, hence making them strong and multi-functional. AI and ML further develop capabilities for BaaS solutions, wherein higher-degree data analytics, predictive insights, and automation streamline the backend processes and enhance decision-making. Meanwhile, cloud computing enables scaling up the platforms to handle increasing data volumes and user loads efficiently. These technological capabilities support BaaS to extend scalability and performance for various complex applications.
In 2024, Treezor announced a new partnership with WITHLESS, a top player in AI-powered IT management specializing in SaaS management automation. Through the new partnership, WITHLESS will be able to offer innovative solutions to its corporate clients in Italy, France, and Spain by significantly simplifying its processes of software management. In such a way, businesses will gain the benefits of more efficiency with less time invested and significant cost savings. As more enterprises and developers look to leverage such advanced technologies for building robust, scalable, and efficient applications, the BaaS market continues to grow in leaps and bounds. In any case, continuous technological evolution would remain the key to push the BaaS market and keeping organizations competitive and agile in the ever-growing digital landscape.
Cloud-based BaaS to Dominate the Banking-as-a-Service (BaaS) Market
The cloud-based BaaS segment has become the clear force in the industry, holding the largest market share, and is expected to record the fastest growth rate throughout the forecast period. Its advantages are fast deployment of new digital features, uniform policy enforcement, automated provisioning, and monitoring of all kinds of traffic. These benefits, in turn, help digital businesses meet stringent service commitments and help mitigate reputational damage caused by service disruptions. The segment will see significant growth due to better utilization of cloud technology in bringing optimum efficiency to digital operations. In 2024, Avidia Bank teamed up with Q2 Software Inc. to extend and improve its digital banking suite. With the help of this partnership, Avidia will be able to upgrade to the latest online banking services and integrate Personetics' AI-powered engagement engine. This tie-up empowers Avidia to offer real-time insights and automated savings plans that improve a customer's digital banking experience.
The API-based BaaS segment is projected to record high growth during the forecast period. BaaS APIs help in secure data transfer between fintechs and banks. Such APIs enable fintech firms to integrate banking services directly into their apps or websites. This capability is expected to drive the growth of the segment, since fintech firms are consistently working on enriching the BaaS ecosystem with innovative solutions.
North America Dominates Banking-as-a-Service (BaaS) Market Share
North America dominates the share of the global banking-as-a-service market. This could be driven by an advanced financial technology ecosystem, strong levels of digital adoption, and a supportive regulatory environment fostering innovation in banking services. The major financial institutions and key fintech players in North America are increasingly looking toward BaaS for process automation, enhancing customer experiences, and fast deployment of new services. Moreover, BaaS providers are in North America, and with heavy investment in technology, it will continue to lead the market globally. This region is expected to continue leading in the current evolution of digital transformation, and thus drive market growth.
Europe is gradually becoming one of the major players in the BaaS market due to increased digital transformation among financial services across the region. The European market is gaining an efficient regulatory environment for innovation, coupled with growth in digital banking and fintech solution adoptions. BaaS is gaining further momentum as the means for European financial institutions and their start-ups to upgrade their back-office infrastructure in a much-needed scalable, flexible, and cost-effective way. In 2024, Solaris SE announced that it had signed its Series F round led by SBI Group alongside other existing investors. The current round includes an additional USD 105.6 million in capital and a financial guarantee of up to USD 110 million in capital equivalent.
Future Market Scenario (2024 - 2031F)
With digital transformation gaining further momentum, BaaS is bound to be at the forefront in the financial services landscape.
Further consolidations of technological advancements, including artificial intelligence, machine learning, and blockchain, will further improve the BaaS platforms by offering advanced data analytics, automated decision-making, and higher levels of security.
Demand will be created for BaaS due to the growth in digital and mobile banking since increasingly more financial services are shifting to digital channels. This will be additionally contributed by the continued inclusion of banking services into an increasingly diversified set of applications and platforms, further reinforcing the need for sound backend solutions.
Key Players Landscape and Outlook
The competitive landscape of the banking-as-a-service market is constantly changing, with different players contesting for a greater share of the market. Major players include well-established financial institutions, new fintech startups, and pure-play BaaS providers, each bringing their strength in the market. Major banks and traditional financial services firms increasingly adopt BaaS on their journey of renewal for innovation, leveraging strong industry experience and large customer bases. Meanwhile, a group of fintech startups disrupts the market with agile technology-driven platforms that boast state-of-the-art functionality and flexible integration. Specialized BaaS providers who compete based on advanced technology offerings related to, for instance, artificial intelligence or blockchain, must provide strong scalability and security. Further competitive intensity adds to the continuous emergence of new entrants and strategic partnerships forged in attempts to reach a broader range of services and geography.
In 2024, with the partnership with ClearBank, Payset, and its users are now in line to access a full-suite payment system for both local and cross-border transactions. It has integrated the ClearBank API into the client application of Payset, thereby smoothening account management and securing swift payment processing. The partnership further allows Payset to offer expanded business and personal account services across its markets, ensuring the highest possible service levels for clients in all supported jurisdictions.
All segments will be provided for all regions and countries covered
Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work.