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市场调查报告书
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1890433

日本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）

Japan 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 105 Pages | 商品交期: 3-5个工作天内

价格

预计日本API银行市场将以13.24%的复合年增长率成长，从2025年的26.1亿美元成长到2033年的70.6亿美元。这一增长是由多种因素共同推动的，包括监管改革、人口结构变化以及日益密切的国际合作。日本正在转型其传统的金融服务生态系统，索尼银行、三菱日联金融集团和瑞穗银行等主要金融机构正在快速将其传统银行系统数位化，以建立更灵活、支援API的基础设施。这与日本促进金融科技领域创新和效率的国家策略相契合，有助于金融机构更轻鬆地与国际标准接轨。向开放金融的转型也加速了非传统支付服务提供者、数位优先银行和技术供应商的发展。

日本的API银行业正在经历一场由领先企业引领的先进数位转型。

例如，索尼银行于2025年5月迁移到基于SaaS架构的全新云端原生核心银行系统。这标誌着日本银行业正在发生更广泛的范式转变，转向可配置、灵活的银行系统，以支援开放API的集成，从而为银行提供更大的灵活性和创新能力。索尼银行迁移到nCino平台，清晰地展现了其持续致力于替换传统系统，以支援模组化API银行模式的组织承诺。这种模式能够实现模组化服务交付、即时数据和第三方连接。

这项变革为零售和企业银行业可扩展的、API优先的银行服务奠定了基础，同时为内部改进和开发人员提供了外部存取管道。随着日本传统银行面临来自新型银行和金融科技公司的挑战，采用开放式API必须成为银行基础设施现代化的关键槓桿。乐天银行、GMO青空网路银行和日本网路银行（PayPay银行）等金融机构正在扩大其证券化产品供应，这是其多方面组织现代化努力的一部分，凸显了日本银行业向数位化银行灵活性的系统性转变。

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 日本 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
      • 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
      • 北部（北海道和东北）
      • 南部（关西、中国、四国、九州和冲绳]
      • 中部地区 [关东和中部]
    • 依公司划分的市占率分析
  • 2025 财政年度市场地图分析
    • 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（尽力而为）

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
    • 国立暗信网路银行股份有限公司
      • 公司详情
      • 关键管理者
      • 产品与服务
      • 财务资讯（已公布）
      • 主要市场趋势与地域扩张
      • 近期发展/联盟/合作/併购
      • 索尼银行股份有限公司
      • 乐天银行股份有限公司
      • GMO青空日本网路银行股份有限公司
      • 日本网路银行（PayPay银行）
      • 瑞穗银行股份有限公司
      • 三菱日联银行股份有限公司
      • Resona银行股份有限公司
      • 芙蓉资讯系统株式会社
      • TIS株式会社

以上公司排名并非基于市场占有率，且可能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：调查公司资讯及免责声明

Product Code: MX13897

Japan API Banking market is projected to witness a CAGR of 13.24% during the forecast period, FY2026-FY2033, growing from USD 2.61 billion in FY2025 to USD 7.06 billion in FY2033. The Japan API banking market is being propelled by a combination of regulatory reform, demographic shifts, and increased international cooperation. Japan is reforming its traditional financial services ecosystem, and the hasty digitization of legacy banking systems in larger institutions, such as Sony Bank, MUFG, and Mizuho, has created a more agile and API-ready infrastructure. This is also in line with Japan's broader national strategy to innovate in Fintech and improve efficiencies, while helping financial institutions interact more easily with international standards. We are also seeing accelerated development by non-traditional payment entities, digital-first banks, and technology vendors as Japan moves toward open finance.

Japan's API banking industry is undergoing an advanced digital transformation process led by major entities.

For instance, in May 2025, Sony Bank, Inc., recently migrated to a new cloud-native core banking system entirely based on SaaS architecture. This illustrates Japan's widespread paradigm shift toward composable, flexible banking systems that support the integration of open APIs, offering banks increased flexibility and innovation. Sony Bank's transition to the nCino platform clearly illustrates a sustained institutional commitment to replacing legacy systems supporting a modular approach to API banking. This approach enables service delivery on a modular basis, real-time data, and third-party connections.

This change can provide internal improvements and external access for developers, while laying the foundation for scalable API-first banking services in retail banking and corporate banking. As traditional Japanese banks face increasing challenges from neobanks and fintechs, open API adoption must become a key avenue for modernizing their banking infrastructure. Institutions such as Rakuten Bank, GMO Aozora Net Bank, and Japan Net Bank (PayPay Bank) are enhancing their securitized offerings as a part of the multi-faceted modernization of their institutions, which substantiates a systemic trend in Japanese banking toward flexibility in digitized banking.

Cross-border Payment Expansion and Fintech Inclusion

The API banking sector in Japan is undergoing a rapid change due to increased overseas fintech activity.

For instance, in October 2024, Wise Japan became the first foreign-owned company to connect to Japan's payment clearing network, enabling it to transfer its clients' money smoothly across borders through local banking rails. This represents a pivotal moment in history, reflecting how agnostic regulation and a well-developed API ecosystem are fundamentally changing the way companies access Japan's domestic financial infrastructure. In Wise's API-enabled model, users can avoid traditional remittance payments and benefit from faster and cheaper cross-border payments.

The onboarding of global fintech players, such as Wise, demonstrates how Japan is fostering an interoperable environment for real-time, international payment services utilizing APIs. This progression benefits consumers, small and medium-sized enterprises (SMEs), and exporters by providing transparency and efficiency in financial services. Traditional financial institutions with an API focus, such as MUFG Bank, Mizuho Bank, and Resona Bank, are paying close attention and investing in overseas API capabilities to remain relevant and competitive.

Card Network and Gateway Integration is helping to grow the API Banking Market in Japan

Deeper integrations of card networks also aid API banking in Japan. For example, in November 2023, Stripe and JCB expanded their partnership to offer more access to JCB's payment network for global e-commerce merchants. This integration with Stripe's powerful API platform will simplify onboarding and payment processing for Japanese businesses in international markets. It will also allow JCB payments for millions of businesses that are already integrated with Stripe's APIs, thus providing greater financial inclusivity and facilitating scalable cross-border commerce.

Such developments are also encouraging traditional financial institutions to provide APIs for developers to keep pace with fintechs. Financial institutions, such as the State Sumishin Net Bank and Fuyo Information Systems Co., Ltd., are updating and improving their API interfaces to provide payment scenarios that match the new possibilities these payment networks offer. These developments are highlighting payment gateway APIs as the bedrock of Japan's open banking evolution.

Dominance of Account & Transaction Management APIs in the Market

The Account & Transaction Management application segment is the number one area in Japan's API banking ecosystem. This increased due to national-level initiatives, including reforms implemented in November 2024., when Japan's three megabanks, MUFG, Mizuho, and SMBC, will integrate stablecoins via SWIFT rails across their banking systems to facilitate cross-border payments. These initiatives will leverage secure, real-time, account-level APIs for tracking, managing, and reconciling multi-currency payments, demonstrating Japan's shift toward programmable finance. More generally, account APIs facilitate settlement and treasury services, as well as deposit tokenization and smart contract execution. They are becoming increasingly critical in the context of stablecoin-backed financial products. Firms such as Rakuten Bank and TIS Inc. plan to further scale their API offerings to prepare for changes in settlement standards and to help protect their TP infrastructure.

Key Players Landscape and Outlook

The competitive dynamics in Japan's API banking market are changing rapidly, as illustrated by recent research from July 2024, which highlights Japanese banks' digital transformation strategies and the Tailwind of higher interest rates. Traditional banks are evaluating how to carry forward their presence in the API space by investing in open API systems to improve efficiencies, manage their interest margins, and reposition themselves strategically. This shift is not only about upgrading technology, but also about how they redefined the value proposition for banks. For example, Fuyo Information Systems Co., Ltd. and TIS Inc. appear through the API structure as B2B integration players, working with banks to manage APIs for key use cases such as trade finance, SME lending, and corporate treasury.

On the other hand, traditional retail players, the open Bank such as Sony Bank, Rakuten Bank, and GMO Aozora Net Bank, are considering customer-facing APIs to enhance their embedded finance, automated savings, and robo-advisory features. Overall, these things, when viewed together, define an incredibly fast-moving and competitive API market in Japan, where legacy institutions and new entrants are preparing to reposition themselves for continuing relevance in the digital landscape.

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. Japan 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 [Hokkaido and Tohoku]
      • 5.2.5.2. South [Kansai, Chugoku, Shikoku, and Kyushu & Okinawa]
      • 5.2.5.3. Central [Kanto and Chubu]
    • 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 Sumishin Net Bank, Ltd.
      • 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. Sony Bank, Inc.
    • 14.3.3. Rakuten Bank Ltd.
    • 14.3.4. GMO Aozora Net Bank, Ltd.
    • 14.3.5. Japan Net Bank (PayPay Bank)
    • 14.3.6. Mizuho Bank, Ltd.
    • 14.3.7. MUFG Bank, Ltd.
    • 14.3.8. Resona Bank, Ltd.
    • 14.3.9. Fuyo Information Systems Co., Ltd.
    • 14.3.10. TIS Inc.

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. Japan API Banking Market, By Value, In USD Billion, FY2019-FY2033F
  • Figure 2. Japan API Banking Market Share (%), By Component, FY2019-FY2033F
  • Figure 3. Japan API Banking Market Share (%), By Deployment Mode, FY2019-FY2033F
  • Figure 4. Japan API Banking Market Share (%), By Application, FY2019-FY2033F
  • Figure 5. Japan API Banking Market Share (%), By End-user, FY2019-FY2033F
  • Figure 6. Japan 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