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封面
市场调查报告书
商品编码
1890431

美国银行业API市场评估：依组件、部署类型、应用程式、最终用户、地区、机会和预测（2018-2032）

United States API Banking Market Assessment, By Component, By Deployment Mode, By Application, By End-user, By Region, Opportunities and Forecast, 2018-2032F
出版日期: | 出版商: Markets & Data | 英文 110 Pages | 商品交期: 3-5个工作天内

价格

美国银行业API市场预计将从2025年到2032年以12.85%的复合年增长率成长，市场规模将从2024年的87.2亿美元成长到2032年的229.4亿美元。美国银行业API市场的发展受到多种因素的共同驱动，包括监管变化和消费者对即时数位服务的需求。此外，传统银行与金融科技创新者之间日益增强的合作意愿也发挥了重要作用。为了保持竞争力，美国各地的金融机构正在对其传统系统进行现代化改造，并向云端原生、API优先、可扩展的即时数位服务转型。将这些趋势与美国的整体金融科技策略相协调，透过推广开放银行、无缝资料可携性和嵌入式金融，释放新的收入机会，变得日益重要。

由于大规模云端迁移、不断变化的数位化客户期望以及新型监管开放金融的发展，美国银行业API市场正在经历快速转型。

Citizens Bank于2025年3月推出的API平台就是一个典型的例子。该平台不仅提升了银行的API功能，还加快了新产品和服务的上市速度，并增强了所有客户管道的即时个人化体验。两家银行都呼吁业界支持其营运能力转型，以便更好地与金融科技公司在即时支付、以客户为中心的註册流程和模组化银行即服务（BaaS）模式方面开展合作，并致力于用支持API的核心银行运营架构取代传统基础设施。

这些变化标誌着整个产业正在发生重大转变，传统银行正透过拥抱互通性和嵌入式金融的改进，在更技术驱动的金融生态系统中运作。随着核心银行系统迁移到云端，API 使第三方开发人员能够创造创新的客户体验，同时提供必要的资料安全性和可扩展性。到 2025 年，市场将以比预期更快的速度迈向更现代化的状态，因为区域性和中型银行正在加速放弃静态的单体系统，转向敏捷的生态系统模式，无论作为银行还是作为消费者，都对互通性有着更高的要求。从长远来看，这将建立一个全新的美国银行业模式，该模式不仅基于数位化的开放性和速度，还基于生态系统的整合及其互动。

目录

第一章：专案范围与定义

第二章：研究方法

第三章：摘要整理

第四章：客户之声

  • 银行和金融科技公司采用 API 银行服务的比例
  • 开放 API 采用的关键驱动因素
  • API 架构偏好（RESTful、SOAP、GraphQL）
  • API 整合面临的挑战（安全性、互通性、与传统系统的兼容性）

第五章 美国 API 银行服务市场展望，2018-2032 年

  • 市场规模分析与预测
    • 依价值
  • 市占率分析与预测
    • 依组件划分
      • 依平台划分
      • 服务
    • 依部署模式划分
      • 本地部署
      • 云端部署
    • 依应用程式划分
      • 支付处理
      • 资料共享与聚合
      • 验证与KYC
      • 帐户与交易管理
    • 依最终用户划分
      • 银行
      • 金融科技公司
      • 信用合作社
      • 非银行金融公司
      • 保险公司
    • 依地区划分
      • 东北
      • 西南
      • 西部
      • 东南
      • 中西部
    • 市占率分析依公司划分
  • 2024 年市场地图分析
    • 依组件划分
    • 依部署模式划分
    • 依应用程式划分
    • 依最终用户划分
    • 依地区划分

第六章 供需分析

第七章：价值链分析

第八章：波特五力分析

第九章：PESTLE 分析

第十章：市场动态

  • 市场驱动因素
  • 市场挑战

第十一章：市场趋势与发展

第十二章：定价模型（最佳）努力）

第十三章：个案研究

第十四章：竞争格局

  • 前五大竞赛矩阵 前五名SWOT分析 前十大主要参与者
    • Plaid公司
      • 公司详情
      • 关键管理人员
      • 产品与服务
      • 财务资讯（已公布）
      • 主要市场趋势与区域发展
      • 近期发展/合作、协作、併购
    • Stripe公司
    • BBVA美国银行
    • Capital One DevExchange
    • Wells Fargo Gateway
    • Truist银行
    • Synctera公司
    • Unit Finance公司
    • Treezor SAS
    • ClearBank Ltd.

以上列出的公司排名并非基于市场占有率，且会根据研究过程中获得的资讯而有所变动。

第十五章：策略建议

第十六章：研究公司资讯及免责声明

Product Code: MX13898

United States API Banking market is projected to witness a CAGR of 12.85% during the forecast period 2025-2032, growing from USD 8.72 billion in 2024 to USD 22.94 billion in 2032F. The United States API banking market's development is a function of several factors that are converging, including both regulatory changes and consumer demand for instant digital services, but also an increasing willingness of traditional banks and fintech innovators to work together. Financial institutions across the U.S. are modernizing their legacy systems in response to increased competition. We are moving into cloud-native, API-first, and scalable real-time digital services. It is increasingly important to align this with the broader U.S. fintech agenda to promote open banking and foster seamless data portability and embedded finance, thereby unlocking new revenue opportunities.

The United States banking API market is undergoing rapid transformation due to large-scale cloud migration, shifting digital customer expectations, and new and soon-to-be-regulated open finance developments.

A leading example is the Citizens banking API platform, launched in March 2025, which not only improves the bank's API readiness but also provides a quicker time-to-market for new product and service offerings as well as enhanced real-time personalization across every customer channel. Both banks are focusing on replacing their legacy infrastructure with API-enabled architecture for their respective core banking deliveries, as they both requested industry support for this change in their operational capabilities to better integrate with fintech in offering instant payments, customer-centric onboarding, and modular banking-as-a-service (BaaS) models.

These changes signify a larger shift in industry, where traditional banks are operating in a more tech-forward financial ecosystem by adopting interoperability and embedded finance improvements. With core banking owners moving to the cloud-based, APIs can enable third-party developers to create innovative customer experiences while also providing the necessary data security and scalability. The market will adopt a more modern state at a faster pace than initially anticipated in 2025, as more regional and mid-tier banks abandon static monolithic systems and move to an agile ecosystem model, both as banks and as consumers requiring interoperability. The long-term impact is a new U.S. banking model based not only on digital openness and speed, but also on the integration of ecosystems and their interactions.

Regulatory Push for Open Banking is Growing the Market

The single most significant regulatory influence in the U.S. API banking space is the Consumer Financial Protection Bureau's (CFPB) proposed open banking regulation, which will fundamentally change the way financial data is shared and managed. Under the new rule, financial institutions as well as aggregators must support secure, consumer-permissioned data transfers using APIs. Covered entities must provide access to personal financial data to third-party data providers in standardized formats. This regulation marks a shift away from screen scraping and credential sharing, toward direct access to data via APIs, promoting transparency, interoperability, and consumer empowerment.

This strategic shift has pushed United States banks to invest in and strengthen their API infrastructures that can comply with regulations, protect consumer data, and deliver exceptional user experiences.

For instance, data aggregators such as Plaid, Truist Bank, and Capital One DevExchange are working to align their data-sharing models with the introduction of the new federal regulations. The regulation is intended to ensure competition by forcing larger banks to open their platforms to smaller fintech companies. This transition has created strong demand for secure API management platforms and increased collaboration between incumbent banks and technology providers. The forthcoming CFPB regulation will ultimately be a lightning rod for institutional adoption of APIs and data democratization in U.S. financial services.

Monetization of Customer Data Access

A second significant opportunity within the U.S. API banking market is that large banks are now moving towards monetization of fintech's access to customer data.

For instance, in July 2025, JPMorgan Chase announced a move towards charging fintech to help them leverage its customer data via APIs. As such, it marks a shift in dynamics between traditional banks and third-party aggregators, reflects the value banks put on API infrastructure and secure exchanges of data, and is in direct contrast to the way fintech had been leveraging APIs for years without financial ramifications, or at worst, indirect means such as scraping data. Specifically, JPMorgan is moving from a zero model to a new monetization model within API ecosystems.

This could lead to higher fees for other large banks, such as Wells Fargo, Gateway, and BBVA USA, if they pursue similar revenue opportunities, and force fintech to evaluate their cost structures and strengthen integrations. Indeed, this should create awareness for API governance, access management, and data ownership. These banks charge fintech directly and may push aggregators to consolidate data relationships, as well as spur innovation in open data standardization. Over time, we may also see different tiers of API depending on the depth of data, latency, or functionality, turning API banking in the U.S. into a systematic fee model or service model.

Cloud-Based Platforms Dominating the United States API Banking Market

Cloud-based deployment is rapidly gaining traction in the United States API banking industry, providing banks and fintechs access to greater scalability, agility, and lower operational costs. Financial institutions are adopting cloud-native platforms for payment processing, KYC, and account management via APIs. The transition is evidenced by fintech platform Mercury's fundamental rethinking of its core relationships with its partner bank, Evolve Bank & Trust, in March 2025. Much is evolving in this successful movement. Not long ago, the KYC procedure with Molly.ai successfully managed account holder relationship operations, including connectivity events through the API stack and support infrastructure, as well as KYC compliance posture. These transitions can often equate to "back of the bus" restructuring for better-performing, modular, and cloud-based systems that are service-oriented, real-time and accessed via APIs.

The Platform component, however, continues to occupy a leading market share because banks and fintechs leverage full-on API management suites that help with integration, versioning, and security. The examples of identity verification, transaction aggregation, and BaaS delivery use cases can all originate from flexible, API-centric cloud environments. The Adoption of cloud vs. on-premises solutions is exceptionally robust among challenger banks, neobanks, and third-party service providers seeking to achieve go-to-market execution speed in the cloud. The cloud model also has surmountable interoperability considerations that can ease the way with third-party payment rails, i.e., FedNow and RTP.

Key Players Landscape and Outlook

The United States API banking space is driven by banking incumbents and fintech API companies, including Plaid Inc., Stripe, Truist Bank, ClearBank Ltd., and Synctera, which are seeking to drive the growth of the ecosystem. A recent example is Plaid, which has expanded its Embedded Finance and Open Finance API portfolio by enabling developers to integrate with financial accounts, access real-time balances, facilitate payments, and verify identities through standardized APIs. Plaid's numerous APIs are aligned with open banking trends and are accessible across thousands of apps and services in the U.S.

At the same time, Stripe is extending to embedded banking services for platforms and marketplaces. Meanwhile, Unit Finance Inc. and Synctera are enabling BaaS (Banking as a Service) for non-bank businesses, utilizing APIs to create an ecosystem of financial infrastructure enablers that connect customer-facing apps to regulated banking infrastructure. As traditional banks and API fintechs become increasingly interdependent, a competitive ecosystem is emerging, and leadership will be defined by scalability, security, and developer experience. Although regulation is just emerging and embedded finance is just beginning to be adopted, these companies will play a crucial role in defining the future of API banking in the U.S.

Table of Contents

1. Project Scope and Definitions

2. Research Methodology

3. Executive Summary

4. Voice of Customer

  • 4.1. Adoption Rate of API Banking Among Banks and Fintechs
  • 4.2. Primary Drivers for Implementing Open APIs
  • 4.3. Preferences in API Architecture (RESTful, SOAP, GraphQL)
  • 4.4. Challenges in API Integration (Security, Interoperability, Legacy System Compatibility)

5. United States API Banking Market Outlook, 2018-2032F

  • 5.1. Market Size Analysis & Forecast
    • 5.1.1. By Value
  • 5.2. Market Share Analysis & Forecast
    • 5.2.1. By Component
      • 5.2.1.1. Platform
      • 5.2.1.2. Services
    • 5.2.2. By Deployment Mode
      • 5.2.2.1. On-premises
      • 5.2.2.2. Cloud-based
    • 5.2.3. By Application
      • 5.2.3.1. Payment Processing
      • 5.2.3.2. Data Sharing & Aggregation
      • 5.2.3.3. Identity Verification & KYC
      • 5.2.3.4. Accounts & Transaction Management
    • 5.2.4. By End-user
      • 5.2.4.1. Banks
      • 5.2.4.2. Fintech Companies
      • 5.2.4.3. Credit Union
      • 5.2.4.4. NBFCs
      • 5.2.4.5. Insurance Companies
    • 5.2.5. By Region
      • 5.2.5.1. Northeast
      • 5.2.5.2. Southwest
      • 5.2.5.3. West
      • 5.2.5.4. Southeast
      • 5.2.5.5. Midwest
    • 5.2.6. By Company Market Share Analysis (Top 5 Companies and Others - By Value, 2024)
  • 5.3. Market Map Analysis, 2024
    • 5.3.1. By Component
    • 5.3.2. By Deployment Mode
    • 5.3.3. By Application
    • 5.3.4. By End User
    • 5.3.5. By Region

6. Demand Supply Analysis

7. Value Chain Analysis

8. Porter's Five Forces Analysis

9. PESTLE Analysis

10. Market Dynamics

  • 10.1. Market Drivers
  • 10.2. Market Challenges

11. Market Trends and Developments

12. Pricing models (Best Effort Basis)

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. Plaid Inc.
      • 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 Acquisitions
    • 14.3.2. Stripe, Inc.
    • 14.3.3. BBVA USA
    • 14.3.4. Capital One DevExchange
    • 14.3.5. Wells Fargo Gateway
    • 14.3.6. Truist Bank
    • 14.3.7. Synctera Inc.
    • 14.3.8. Unit Finance Inc.
    • 14.3.9. Treezor SAS
    • 14.3.10. ClearBank Ltd.

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

List of Figures

  • Figure 1. United States API Banking Market, By Value, In USD Billion, 2018-2032F
  • Figure 2. United States API Banking Market Share (%), By Component, 2018-2032F
  • Figure 3. United States API Banking Market Share (%), By Deployment Mode, 2018-2032F
  • Figure 4. United States API Banking Market Share (%), By Application, 2018-2032F
  • Figure 5. United States API Banking Market Share (%), By End-user, 2018-2032F
  • Figure 6. United States API Banking Market Share (%), By Region, 2018-2032F
  • Figure 7. By Type Map-Market Size (USD Billion) & Growth Rate (%), 2024
  • Figure 8. By Technology Map-Market Size (USD Billion) & Growth Rate (%), 2024
  • Figure 9. By End-user Map-Market Size (USD Billion) & Growth Rate (%), 2024
  • Figure 10. By Region Map-Market Size (USD Billion) & Growth Rate (%), 2024