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市场调查报告书
商品编码
1890432

印度API银行市场评估：依组件、部署模式、应用、最终用户、地区、机会和预测（2019-2033年）

India API Banking Market Assessment, By Component, By Deployment Mode, By Application, By End-user, By Region, Opportunities and Forecast, FY2019-FY2033F
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

预计在预测期（2026财年至2033财年）内，印度API银行市场将以13.41%的复合年增长率增长，从2025财年的23.2亿美元增长至2033财年的63.5亿美元。推动印度API银行市场发展的因素包括：后疫情时代的数位转型、早期商家数位化、金融科技的快速创新以及传统金融服务交付和消费模式的演变。在互通性、即时资料共享以及支援传统银行和新兴品牌的可扩展技术框架的驱动下，印度API银行生态系统正在成为全球开放银行基础设施的标准。

印度的API银行市场正在经历快速转型，各银行正加强与外部合作伙伴的协作，并推动联合创新，以建立开放银行平台。印度国家银行（SBI）就是这一领域合作的典范。 2024年11月，SBI与APIX合作推出了SBI InnoHub，这是一个金融科技加速器，旨在促进与新创公司、开发者和技术供应商的合作。此举标誌着在建立创新驱动型API银行生态系统方面迈出了重要一步，该生态系统使传统银行能够快速测试和部署新的数位服务，同时降低开发成本。

此类合作标誌着银行业市场正向开放API模式发生重大转变，该模式能够灵活地为零售银行、中小企业银行和企业银行提供服务。面对来自金融科技公司（Fintech）日益激烈的竞争，银行渴望实现后端基础设施现代化，提升互通性，加强生态系统协作，并在所有客户互动中采用数位化优先的方法。 API银行已不再是可选项；这是印度银行业的未来。

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 印度 API 银行服务市场展望，2019-2033 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
      • 平台
      • 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
      • 身分与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
      • 北部
      • 南部
      • 东部
      • 西部和中部
    • 市占率分析公司
  • 2025 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
    • 印度国家银行
      • 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/联盟、合作、併购
    • 科塔克·马欣德拉银行
    • HDFC银行
    • ICICI银行
    • Yes银行
    • Cashfree Payments India Pvt.有限公司
    • RBL银行股份有限公司
    • 联邦银行股份有限公司
    • 印度工业银行股份有限公司
    • 印度轴心银行股份有限公司

以上列出的公司排名不分先后，排名依据为市场占有率，并可能根据研究过程中获得的资讯进行调整。

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: MX13896

India API Banking market is projected to witness a CAGR of 13.41% during the forecast period, FY2026-FY2033, growing from USD 2.32 billion in FY2025 to USD 6.35 billion in FY2033. The development in India's API banking market is being driven by the post-COVID-19 digitization dash, early-stage merchant digitization, rapid fintech innovation, and the evolution of the traditional financial services delivery and consumption model. The API banking ecosystem in India is emerging as a global standard for open banking infrastructure, facilitated by interoperability, real-time data sharing, and scalable technology frameworks that support both traditional banks and challenger brands.

India's API banking market is undergoing rapid transformation, with banks increasingly collaborating with and innovating alongside external partners to develop open banking platforms. A collaborative partner in this area is the State Bank of India (SBI), which worked with APIX to facilitate the SBI InnoHub in November 2024, a fintech accelerator that enables co-creation with startups, developers, and tech providers. This initiative is a crucial step toward advancing an innovation-led API banking ecosystem that enables traditional banks to quickly test and launch new digital services with lower development costs.

Partnerships such as this signify an important shift in the banking market toward an open API model that allows for flexible service delivery for retail, SME, and corporate banking services. With increasing competition from financial technology companies (fintech), banks are eager to modernize their back-end infrastructure, promote interoperability, foster ecosystem collaborations, and adopt a digital-first approach to engaging with all customers. API banking is no longer an option; it is the future of banking in India.

Regulatory Push is Propelling the API Banking Market Growth

The government's proactive digital policy served as a clear driver of growth, as India introduced interoperability for its digital payment systems across internet banking in March 2024. This is part of their broader range of financial inclusion, offering a seamless customer experience. This means there will be considerably less friction for customers when transacting across banks and platforms, in areas such as bill payments, fund transfers, and API-based automation.

This policy encourages banks and fintech to rethink their API stack architecture, not just by applying technical changes but by creating opportunities for scale. By doing so, they can enable secure and real-time interoperable transactions. These changes will also allow the integration of other critical APIs, such as KYC, consent-based data sharing, and identity verification, further positioning India as a leader in open banking adoption.

Platform Expansion by Digital-first Players

The API banking ecosystem in India is transforming as enterprise software companies venture into the fintech space.

For instance, in September 2024, Zoho launched Zoho Payments, a full-stack embedded finance platform for Indian businesses, which will allow users to accept and disburse payments, manage accounts, and automate financial workflows beyond disintermediation, using one interface powered by API integrations.

New offerings are enabling mid-sized businesses, startups, and digital-native firms to consume and connect to banking infrastructure, building their payment capabilities in a more API-led manner. API-led integrations will enable smaller firms to connect payment gateways, automate reconciliations, and embed credit or insurance. These offerings reveal a trend in which non-bank tech firms are emerging as key players and contributors to the API economy in India, forcing traditional banks to partner or adapt.

Payment Processing Segment is Dominating the API Banking Market in India

In terms of segmentation, the Payment Processing application remains the leading segment in India's API banking domain. For instance, in August 2024, BharatPe's recently rebranded PostPe platform to BharatPe a new consumer payments app. UPI TPAP is available on the Play Store for all Android users. The company has partnered with Unity Small Finance Bank to enable TPAP.

The app combines payments, credit, rewards, and all merchant discovery features with API backend systems. With BharatPe increasing its uptake in consumer payments, access to the API is crucial for real-time transaction capabilities, credit scoring systems, and analysis. This segment will continue to dominate because customers now look for seamless UPI payments, instant settlements, and in-app funding solutions. Other key API use cases, such as KYC, data aggregation, and account management, are maturing, but payment APIs will act as the cornerstone for most innovations in India.

Key Players Landscape and Outlook

Traditional banks are very active, along with fintech. Banks like HDFC Bank, ICICI Bank, Yes Bank, and Federal Bank all have API portals with over 100 endpoints for payments, account capabilities, KYC, and trade finance. New API enablers, such as Cashfree Payments and RBL Bank, are expanding the competition with their developer-friendly platforms, making India's ecosystem for API banking a competitive and dynamic one.

Flipkart is among the top influencers of API banking in India, with its latest offering (Flipkart SuperMoney) allowing customers to get cash back for every transaction, withdraw some money, or perform every activity done via the app. The embedded finance services indicate Flipkart's shift from e-commerce to fintech, powered through a robust API banking infrastructure that enables digital wallets, savings, and rewards.

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. India API Banking Market Outlook, FY2019-FY2033F

  • 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. Account & 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. North
      • 5.2.5.2. South
      • 5.2.5.3. East
      • 5.2.5.4. West and Central
    • 5.2.6. By Company Market Share Analysis (Top 5 Companies and Others - By Value, FY2025)
  • 5.3. Market Map Analysis, FY2025
    • 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. State Bank of India
      • 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. Kotak Mahindra Bank
    • 14.3.3. HDFC Bank Limited
    • 14.3.4. ICICI Bank Limited
    • 14.3.5. Yes Bank Limited
    • 14.3.6. Cashfree Payments India Pvt. Ltd.
    • 14.3.7. RBL Bank Limited
    • 14.3.8. Federal Bank Limited
    • 14.3.9. IndusInd Bank Limited
    • 14.3.10. Axis Bank 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. 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. India API Banking Market, By Value, In USD Billion, FY2019-FY2033F
  • Figure 2. India API Banking Market Share (%), By Component, FY2019-FY2033F
  • Figure 3. India API Banking Market Share (%), By Deployment Mode, FY2019-FY2033F
  • Figure 4. India API Banking Market Share (%), By Application, FY2019-FY2033F
  • Figure 5. India API Banking Market Share (%), By End-user, FY2019-FY2033F
  • Figure 6. India API Banking Market Share (%), By Region, FY2019-FY2033F
  • Figure 7. By Component Map-Market Size (USD Billion) & Growth Rate (%), FY2025
  • Figure 8. By Deployment Mode Map-Market Size (USD Billion) & Growth Rate (%), FY2025
  • Figure 9. By Application Type Map-Market Size (USD Billion) & Growth Rate (%), FY2025
  • Figure 10. By End-user Map-Market Size (USD Billion) & Growth Rate (%), FY2025
  • Figure 11. By Region Map-Market Size (USD Billion) & Growth Rate (%), FY2025