数位银行平台市场规模：份额、成长分析、按类型、按组件、按银行模式和按地区 - 行业预测 2025-2032

预计到 2023 年数位银行平台市场规模将达到 307.4 亿美元，并从 2024 年的 338.1 亿美元成长到 2032 年的 724.8 亿美元，预测期内（2025-2032 年）的复合年增长率为 10.0%。

全球数位银行平台市场正在经历强劲成长，这得益于金融机构越来越多地采用数位银行服务以及消费者对安全便捷银行体验的需求不断增长。这些平台正在利用数位管道来改善客户体验、提高业务效率并实现无缝和安全的交易，从而改变传统银行业务。一个关键的成长动力是 Z 世代的影响力。他们具有数位优先的偏好，并正在加速采用行动银行，预计到 2026 年行动用户将从 2020 年的 2,070 万增至 4,780 万。随着智慧型手机和网路存取变得无所不在，银行正在优先考虑以用户为中心的设计和自助服务能力以保持竞争力，从而培育更具包容性、技术主导的银行生态系统。

目录

介绍

• 调查目的
• 研究范围
• 定义

调查方法

• 资讯采购
• 次要和主要资料方法
• 市场规模预测
• 市场假设与限制

执行摘要

• 全球市场展望
• 供需趋势分析
• 细分机会分析

市场动态及展望

• 市场概况
• 市场规模
• 市场动态
  • 驱动因素和机会
  • 限制与挑战
• 波特的分析

主要市场考察

• 关键成功因素
• 竞争程度
• 主要投资机会
• 市场生态系统
• 市场吸引力指数（2024 年）
• PESTEL 分析
• 总体经济指标
• 价值链分析
• 定价分析
• 案例研究
• 技术进步
• 监管格局
• 客户和购买标准分析
• Start-Ups分析
• 专利分析

数位银行平台市场规模（按类型和复合年增长率） (2025-2032)

• 市场概况
• 公司银行
• 零售银行

数位银行平台市场规模（按组件和复合年增长率） (2025-2032)

• 市场概况
• 平台
• 服务

数位银行平台市场规模（按银行模式和复合年增长率） (2025-2032)

• 市场概况
• 网路银行
• 行动银行

数位银行平台市场规模（按部署和复合年增长率） (2025-2032)

• 市场概况
• 云
• 本地

数位银行平台市场规模（按地区）及复合年增长率（2025-2032）

• 北美洲
  • 美国
  • 加拿大
• 欧洲
  • 德国
  • 西班牙
  • 法国
  • 英国
  • 义大利
  • 其他欧洲国家地区
• 亚太地区
  • 中国
  • 印度
  • 日本
  • 韩国
  • 其他亚太地区
• 拉丁美洲
  • 巴西
  • 其他拉丁美洲国家
• 中东和非洲
  • 海湾合作委员会国家
  • 南非
  • 其他中东和非洲地区

竞争资讯

• 前 5 家公司对比
• 主要企业市场定位（2024年）
• 主要市场参与者所采用的策略
• 近期市场趋势
• 公司市场占有率分析（2024 年）
• 主要企业简介
  • 公司详细信息
  • 产品系列分析
  • 公司分部份额分析
  • 收益与前一年同期比较对比（2022-2024 年）

主要企业简介

• IBM Corporation（USA）
• Oracle Corporation（USA）
• SAP SE（Germany）
• Microsoft Corporation（USA）
• Fiserv, Inc.（USA）
• Temenos AG（Switzerland）
• Infosys Ltd.（India）
• Tata Consultancy Services（India）
• Finastra（UK）
• Salesforce, Inc.（USA）
• Alkami Technology, Inc.（USA）
• Apiture（USA）
• ebankIT（Portugal）
• nCino（USA）
• Sopra Banking Software（France）
• Backbase（Netherlands）
• Q2 Holdings, Inc.（USA）
• Intellect Design Arena Ltd.（India）

结论和建议

Digital Banking Platform Market size was valued at USD 30.74 billion in 2023 and is poised to grow from USD 33.81 billion in 2024 to USD 72.48 billion by 2032, growing at a CAGR of 10.0% during the forecast period (2025-2032).

The global digital banking platform market is witnessing robust growth, driven by the increasing adoption of digital banking services by financial institutions and rising consumer demand for secure and convenient banking experiences. These platforms are transforming traditional banking by leveraging digital channels to enhance customer experience, boost operational efficiency, and enable seamless, secure transactions. A key growth catalyst is the influence of Gen Z, whose digital-first preferences are accelerating mobile banking adoption-from 20.7 million users in 2020 to a projected 47.8 million by 2026. As smartphone and internet accessibility become ubiquitous, banks are prioritizing user-centric designs and self-service capabilities to remain competitive, fostering a more inclusive and technology-driven banking ecosystem.

Top-down and bottom-up approaches were used to estimate and validate the size of the Digital Banking Platform market and to estimate the size of various other dependent submarkets. The research methodology used to estimate the market size includes the following details: The key players in the market were identified through secondary research, and their market shares in the respective regions were determined through primary and secondary research. This entire procedure includes the study of the annual and financial reports of the top market players and extensive interviews for key insights from industry leaders such as CEOs, VPs, directors, and marketing executives. All percentage shares split, and breakdowns were determined using secondary sources and verified through Primary sources. All possible parameters that affect the markets covered in this research study have been accounted for, viewed in extensive detail, verified through primary research, and analyzed to get the final quantitative and qualitative data.

Digital Banking Platform Market Segments Analysis

Global Digital Banking Platform Market is segmented by Type, Component, Banking Mode, Deployment and region. Based on Type, the market is segmented into Corporate Banking and Retail Banking. Based on Component, the market is segmented into Platforms and Services. Based on Banking Mode, the market is segmented into Online Banking and Mobile Banking. Based on Deployment, the market is segmented into Cloud and On-Premise. Based on region, the market is segmented into North America, Europe, Asia Pacific, Latin America and Middle East & Africa.

Driver of the Digital Banking Platform Market

The rapid shift of customers toward digital banking services is a key driver for the Global Digital Banking Platform Market. Consumers increasingly prefer digital banking due to its convenience, accessibility, and personalized experiences, prompting banks to develop comprehensive digital platforms that support a wide range of financial activities. Financial institutions are investing heavily in user-friendly mobile apps and online banking services to enhance customer engagement. For instance, JPMorgan Chase, one of the largest banks in the United States, witnessed a significant rise in digital banking adoption, with approximately 75% of its customers actively using digital banking services in 2022. This growing reliance on digital solutions is accelerating the expansion of digital banking platforms worldwide.

Restraints in the Digital Banking Platform Market

Cybersecurity and data privacy concerns pose a significant restraint to the growth of the global digital banking platform market. As digital banking adoption expands, financial institutions face mounting pressure to invest in advanced security frameworks to comply with stringent regulatory mandates and protect customer data from cyber threats. A single security breach can lead to severe reputational damage, eroding customer trust and resulting in substantial financial losses. The growing sophistication of cyberattacks further amplifies these risks, making it imperative for banks to enhance their security infrastructure continuously. Failure to address these concerns effectively can hinder market expansion, as users and regulators demand higher levels of data protection and system resilience to ensure safe digital banking experiences.

Market Trends of the Digital Banking Platform Market

AI and ML are increasingly becoming core components of digital banking platforms, revolutionizing customer experience, fraud detection, and risk management. These technologies enable hyper-personalization, automate banking processes, and enhance decision-making through predictive analytics. A notable example is Bank of America's AI-driven virtual assistant, which fosters intelligent customer interactions and delivers personalized financial insights. As banks continue to leverage AI and ML for operational efficiency and security, the market is witnessing a shift towards smarter, more adaptive banking ecosystems. With ongoing advancements, AI and ML are poised to redefine digital banking platforms, driving innovation, cost optimization, and enhanced regulatory compliance in the coming years.

Table of Contents

Introduction

• Objectives of the Study
• Scope of the Report
• Definitions

Research Methodology

• Information Procurement
• Secondary & Primary Data Methods
• Market Size Estimation
• Market Assumptions & Limitations

Executive Summary

• Global Market Outlook
• Supply & Demand Trend Analysis
• Segmental Opportunity Analysis

Market Dynamics & Outlook

• Market Overview
• Market Size
• Market Dynamics
  • Drivers & Opportunities
  • Restraints & Challenges
• Porters Analysis
  • Competitive rivalry
  • Threat of substitute
  • Bargaining power of buyers
  • Threat of new entrants
  • Bargaining power of suppliers

Key Market Insights

• Key Success Factors
• Degree of Competition
• Top Investment Pockets
• Market Ecosystem
• Market Attractiveness Index, 2024
• PESTEL Analysis
• Macro-Economic Indicators
• Value Chain Analysis
• Pricing Analysis
• Case Studies
• Technology Advancement
• Regulatory Landscape
• Customer & Buying Criteria Analysis
• Startup Analysis
• Patent Analysis

Global Digital Banking Platform Market Size by Type & CAGR (2025-2032)

• Market Overview
• Corporate Banking
• Retail Banking

Global Digital Banking Platform Market Size by Component & CAGR (2025-2032)

• Market Overview
• Platforms
• Services

Global Digital Banking Platform Market Size by Banking Mode & CAGR (2025-2032)

• Market Overview
• Online Banking
• Mobile Banking

Global Digital Banking Platform Market Size by Deployment & CAGR (2025-2032)

• Market Overview
• Cloud
• On-Premise

Global Digital Banking Platform Market Size & CAGR (2025-2032)

• North America (Type, Component, Banking Mode, Deployment)
  • US
  • Canada
• Europe (Type, Component, Banking Mode, Deployment)
  • Germany
  • Spain
  • France
  • UK
  • Italy
  • Rest of Europe
• Asia Pacific (Type, Component, Banking Mode, Deployment)
  • China
  • India
  • Japan
  • South Korea
  • Rest of Asia-Pacific
• Latin America (Type, Component, Banking Mode, Deployment)
  • Brazil
  • Rest of Latin America
• Middle East & Africa (Type, Component, Banking Mode, Deployment)
  • GCC Countries
  • South Africa
  • Rest of Middle East & Africa

Competitive Intelligence

• Top 5 Player Comparison
• Market Positioning of Key Players, 2024
• Strategies Adopted by Key Market Players
• Recent Developments in the Market
• Company Market Share Analysis, 2024
• Company Profiles of All Key Players
  • Company Details
  • Product Portfolio Analysis
  • Company's Segmental Share Analysis
  • Revenue Y-O-Y Comparison (2022-2024)

Key Company Profiles

• IBM Corporation (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Oracle Corporation (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• SAP SE (Germany)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Microsoft Corporation (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Fiserv, Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Temenos AG (Switzerland)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Infosys Ltd. (India)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Tata Consultancy Services (India)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Finastra (UK)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Salesforce, Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Alkami Technology, Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Apiture (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• ebankIT (Portugal)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• nCino (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Sopra Banking Software (France)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Backbase (Netherlands)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Q2 Holdings, Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Intellect Design Arena Ltd. (India)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments

Conclusion & Recommendations