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市场调查报告书
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1662680

2030 年金融科技即服务市场预测：按类型、技术、应用、最终用户和地区进行的全球分析

Fintech as a Service (FaaS) Market Forecasts to 2030 - Global Analysis by Type (Payment Processing, Wealth Management, Banking and Lending, Insurance and Compliance and Risk Management), Technology, Application, End User and By Geography
出版日期: | 出版商: Stratistics Market Research Consulting | 英文 200+ Pages | 商品交期: 2-3个工作天内

价格

根据 Stratistics MRC 的数据，全球金融科技即服务 (FaaS) 市场预计在 2024 年达到 3,173 亿美元，到 2030 年将达到 7,733 亿美元，预测期内的复合年增长率为 16.0%。 FaaS（金融科技即服务）是一个云端基础的平台，使用 API（应用程式介面）和支援 API 的基础设施提供金融服务和解决方案。无需从头开始建立这些系统，这种方法使企业、新兴企业和金融机构能够将贷款、付款、诈欺检测、合规和数位钱包等关键金融服务嵌入到他们的产品和应用程式中。 FaaS 系统具有可扩展性、灵活性和成本效益，可协助企业快速取得和部署金融创新。 FaaS 让企业依靠安全、可靠的金融技术基础设施来管理复杂的财务流程，同时简化业务、改善客户体验并专注于创新。

数付款需求不断成长

对数位付款的日益增长的需求正在推动金融科技即服务 (FaaS) 行业的发展，鼓励企业采用无摩擦、安全且可扩展的付款解决方案。 FaaS 解决方案提供整合的付款处理、诈欺侦测和合规工具，协助组织在消费者和企业转向无现金交易时满足客户期望。这种需求将使企业能够更有效地管理其财务流程，推动云端基础的解决方案的采用并刺激付款系统的创新。

资料安全和隐私问题

资料安全和隐私问题增加了在第三方平台上储存和处理敏感财务资料的风险，对金融科技即服务 (FaaS) 业务产生了重大影响。洩漏、未授权存取或滥用资料的可能性资料削弱客户信任并导致监管审查和合规问题。这些问题可能会减缓采用速度并抑制市场扩张和创新，尤其是在资料隐私法规严格的地区。

技术进步

技术进步将增强云端平台、API 和资料分析的功能，大大推动金融科技即服务 (FaaS) 市场的发展。这些技术创新提高了金融服务的速度、安全性和可扩展性，使公司能够提供更有效率、更具成本效益的解决方案。此外，人工智慧、机器学习和区块链的进步实现了更好的诈欺检测、个人化的客户体验和更快的交易处理，使得 FaaS 平台对于寻求创新和在金融领域保持竞争力的公司更具吸引力。

整合复杂性

整合复杂性是企业采用新解决方案的障碍，并阻碍了金融科技即服务 (FaaS) 市场的发展。企业通常难以将 FaaS 平台无缝整合到其现有系统中，从而导致延迟、成本增加和潜在的业务中断。对于拥有传统基础设施和复杂工作流程的企业来说，这项挑战尤其明显，限制了 FaaS 解决方案的采用并减缓了市场成长。

COVID-19 的影响

新冠疫情刺激了金融科技即服务 (FaaS) 产业的扩张，企业和消费者迅速转向数位化和非接触式金融服务。电子商务、远端银行和网路交易的兴起使得对安全、可扩展的金融解决方案的需求日益增长。透过提供灵活且经济实惠的传统银行服务替代方案，FaaS 平台使企业能够快速适应不断变化的市场条件并提高市场接受度。

金融机构板块预计将成为预测期内最大的板块

预计金融机构部门将在预测期内占据最大的市场占有率，因为对有效、可扩展和安全的解决方案的需求正在加速对提供付款、贷款、合规等综合服务的 FaaS 系统的需求。透过与 FaaS 供应商合作来改善客户体验、加快业务并满足监管要求，这些组织正在推动市场扩张。这些公司的进入将会扩大市场，提升整个产业的认可度。

预计预测期内付款处理部分将以最高的复合年增长率成长。

提供付款处理服务的 FaaS 平台使企业能够快速采用付款解决方案，改善消费者体验。行动钱包、非接触式付款和跨境交易的需求不断增长，进一步推动了对强大付款处理基础设施的需求，从而推动了市场扩张和 FaaS 解决方案的采用。

比最大的地区

在预测期内，由于先进的数位基础设施、对无缝数位付款的高需求以及金融科技新兴企业的快速成长，预计北美将占据最大的市场占有率。对经济高效、可扩展的金融解决方案的需求促使企业采用 FaaS 平台，以实现更快、更安全的交易并遵守不断变化的法规。此外，消费者对个人化金融服务的需求不断增长以及金融包容性的推动力进一步加速了北美对 FaaS 的采用。

复合年增长率最高的地区

在预测期内，由于数位转型的快速发展、智慧型手机普及率的提高以及全部区域数位付款的日益普及，预计亚太地区将呈现最高的复合年增长率。政府正在透过监管支持促进金融包容性并鼓励金融科技创新。电子商务的兴起、银行帐户人口的增加以及向无现金交易的转变进一步推动了对 FaaS 解决方案的需求。此外，该地区金融科技新兴企业数量不断增加，市场条件良好，加速了具有成本效益的金融服务的采用。

免费客製化服务

订阅此报告的客户可享有以下免费自订选项之一：

  • 公司简介
    • 对其他市场参与企业（最多 3 家公司）进行全面分析
    • 主要企业的 SWOT 分析（最多 3 家公司）
  • 地理细分
    • 根据客户兴趣对主要国家进行市场估计、预测和复合年增长率（註：基于可行性检查）
  • 竞争性基准化分析
    • 根据产品系列、地理分布和策略联盟对主要企业基准化分析

目录

第一章执行摘要

第 2 章 前言

  • 概述
  • 相关利益者
  • 研究范围
  • 调查方法
    • 资料探勘
    • 资料分析
    • 资料检验
    • 研究途径
  • 研究资讯来源
    • 主要研究资讯来源
    • 二手研究资料资讯来源
    • 先决条件

第三章 市场走势分析

  • 介绍
  • 驱动程式
  • 限制因素
  • 机会
  • 威胁
  • 技术分析
  • 应用分析
  • 最终用户分析
  • 新兴市场
  • COVID-19 的影响

第 4 章 波特五力分析

  • 供应商的议价能力
  • 买家的议价能力
  • 替代品的威胁
  • 新进入者的威胁
  • 竞争对手之间的竞争

第五章 全球金融科技即服务市场（按类型）

  • 介绍
  • 付款处理
  • 资产管理
  • 业务及贷款
  • 保险
  • 合规与风险管理

第六章 全球金融科技即服务市场（按技术）

  • 介绍
  • 人工智慧和机器学习（AI＆ML）
  • 区块链
  • 机器人流程自动化 (RPA)
  • 应用程式介面 (API)
  • 巨量资料

第七章 全球金融科技即服务市场（按应用）

  • 介绍
  • 诈欺监控
  • KYC检验
  • 合规与监理支持
  • 资料分析与洞察
  • 客户入职和帐户管理
  • 资金管理
  • 房屋抵押贷款服务
  • 其他的

第 8 章 全球金融科技即服务市场（依最终用户划分）

  • 介绍
  • 银行
  • 金融机构
  • 保险公司
  • 其他的

第九章 全球金融科技即服务市场（按地区）

  • 介绍
  • 北美洲
    • 美国
    • 加拿大
    • 墨西哥
  • 欧洲
    • 德国
    • 英国
    • 义大利
    • 法国
    • 西班牙
    • 欧洲其他地区
  • 亚太地区
    • 日本
    • 中国
    • 印度
    • 澳洲
    • 纽西兰
    • 韩国
    • 其他亚太地区
  • 南美洲
    • 阿根廷
    • 巴西
    • 智利
    • 南美洲其他地区
  • 中东和非洲
    • 沙乌地阿拉伯
    • 阿拉伯聯合大公国
    • 卡达
    • 南非
    • 其他中东和非洲地区

第十章 主要进展

  • 协议、伙伴关係、合作和合资企业
  • 收购与合併
  • 新产品发布
  • 业务扩展
  • 其他关键策略

第十一章 公司概况

  • Airwallex
  • Stripe
  • Plaid
  • Marqeta
  • Rapyd
  • Synapse
  • Solarisbank
  • Unit
  • Railsbank
  • Finix
  • Galileo Financial Technologies
  • Mambu
  • Bankable
  • Currencycloud
  • Dwolla
  • Weavr
  • OpenPayd
  • Treasury Prime
Product Code: SMRC28541

According to Stratistics MRC, the Global Fintech as a Service (FaaS) Market is accounted for $317.3 billion in 2024 and is expected to reach $773.3 billion by 2030 growing at a CAGR of 16.0% during the forecast period. Fintech as a Service (FaaS) is a cloud-based platform that offers financial services and solutions using APIs (Application Programming Interfaces) and API-enabled infrastructure. Without creating these systems from the ground up, this methodology allows companies, startups, and financial institutions to include crucial financial services like loans, payments, fraud detection, compliance, and digital wallets into their goods or apps. FaaS systems enable businesses to swiftly acquire and deploy financial innovations since they are scalable, flexible, and cost-effective. FaaS enables companies to rely on safe and reliable financial technology infrastructure to manage intricate financial processes while streamlining operations, enhancing customer experience, and concentrating on innovation.

Market Dynamics:

Driver:

Increased Demand for Digital Payments

The growing need for digital payments is propelling the Fintech as a Service (FaaS) industry by pushing businesses to embrace frictionless, secure, and scalable payment solutions. FaaS solutions provide integrated payment processing, fraud detection, and compliance tools that help organizations fulfill customer expectations as consumers and businesses move toward cashless transactions. Businesses may more effectively manage their financial processes due to this demand, which also stimulates the adoption of cloud-based solutions and encourages innovation in payment systems.

Restraint:

Data Security and Privacy Concerns

Data security and privacy issues have a substantial impact on the Fintech as a Service (FaaS) business by increasing the risks involved with storing and processing sensitive financial data on third party platforms. Customer trust can be damaged by possible breaches, illegal access, or abuse of financial and personal data, which can result in regulatory scrutiny and compliance issues. These problems might impede market expansion and innovation by slowing adoption, especially in areas with strict data privacy regulations.

Opportunity:

Technological Advancements

Technological advancements significantly drive the Fintech as a Service (FaaS) market by enhancing the capabilities of cloud platforms, APIs, and data analytics. These innovations improve the speed, security, and scalability of financial services, allowing businesses to offer more efficient, cost-effective solutions. Moreover, advancements in artificial intelligence, machine learning, and blockchain enable better fraud detection, personalized customer experiences, and faster transaction processing, making FaaS platforms more attractive to businesses looking to innovate and stay competitive in the financial sector.

Threat:

Integration Complexity

Integration complexity hinders the Fintech as a Service (FaaS) market by creating barriers for businesses in adopting new solutions. Companies often struggle to seamlessly incorporate FaaS platforms into their existing systems, leading to delays, increased costs, and potential operational disruptions. This challenge can be particularly pronounced for businesses with legacy infrastructure or complex workflows, limiting the widespread adoption of FaaS solutions and slowing market growth.

Covid-19 Impact:

The COVID-19 epidemic spurred the expansion of the Fintech as a Service (FaaS) sector, as companies and consumers quickly transitioned to digital and contactless financial services. The need for safe and expandable financial solutions was fueled by the rise of e-commerce, remote banking, and online transactions. By providing flexible, affordable alternatives to traditional banking services, FaaS platforms allowed firms to swiftly adjust to shifting market conditions and increase market acceptance.

The financial institutes segment is expected to be the largest during the forecast period

The financial institutes segment is expected to account for the largest market share during the forecast period because the demand for FaaS systems that offer integrated services like payments, loans, and compliance is accelerated by their need for effective, scalable, and secure solutions. By collaborating with FaaS providers to improve client experiences, expedite operations, and satisfy regulatory requirements, these organizations propel market expansion. Their participation expands the market and promotes industry-wide acceptance.

The payment processing segment is expected to have the highest CAGR during the forecast period

Over the forecast period, the payment processing segment is predicted to witness the highest growth rate as digital payments gain popularity, FaaS platforms that provide payment processing services allow businesses to swiftly incorporate payment solutions, improving the consumer experience. The requirement for a strong payment processing infrastructure is further accelerated by the growing demand for mobile wallets, contactless payments, and cross-border transactions, which promotes market expansion and the use of FaaS solutions.

Region with largest share:

During the forecast period, the North America region is expected to hold the largest market share due to region's advanced digital infrastructure, high demand for seamless digital payments, and the rapid growth of fintech startups. The need for cost-effective and scalable financial solutions has led businesses to adopt FaaS platforms for faster, secure transactions and compliance with evolving regulations. Additionally, increased consumer demand for personalized financial services and the push for financial inclusion further accelerate the adoption of FaaS in North America.

Region with highest CAGR:

Over the forecast period, the Asia Pacific region is anticipated to exhibit the highest CAGR owing to rapid digital transformation, increasing smartphone penetration, and the growing adoption of digital payments across the region. Governments are promoting financial inclusion through regulatory support and fostering fintech innovation. The rise of e-commerce, a large unbanked population, and a shift towards cashless transactions further boost demand for FaaS solutions. Additionally, the region's growing fintech startups and favorable market conditions accelerate the adoption of cost-effective financial services.

Key players in the market

Some of the key players in Fintech as a Service (FaaS) market include Airwallex, Stripe, Plaid, Marqeta, Rapyd, Synapse, Solarisbank, Unit, Railsbank, Finix, Galileo Financial Technologies, Mambu, Bankable, Currencycloud, Dwolla, Weavr, OpenPayd and Treasury Prime.

Key Developments:

In January 2025, Airwallex announced its partnership with Carwow. Following the integration of Airwallex's Scale Native API, Carwow can now process payments for those enterprise dealer groups who purchase cars from thousands of private sellers through its daily online auctions every week.

In December 2024, Airwallex has expanded headcount in its Tel Aviv and Vilnius offices, and made two senior Executive Director Appointments - in London and Amsterdam - which brings the total employee count in EMEA to over 150, representing over 38 nationalities.

In November 2024, Airwallex announced that it is launching Airwallex for Startups in New Zealand, to help Kiwi startups to accelerate their growth.

Types Covered:

  • Payment Processing
  • Wealth Management
  • Banking and Lending
  • Insurance
  • Compliance and Risk Management

Technologies Covered:

  • Artificial Intelligence and Machine Learning (AI & ML)
  • Blockchain
  • Robotic Process Automation (RPA)
  • Application Programming Interface (API)
  • Big data

Applications Covered:

  • Fraud Monitoring
  • KYC Verification
  • Compliance & Regulatory Support
  • Data Analytics and Insights
  • Customer Onboarding & Account Management
  • Money Management
  • Real Estate Mortgage Services
  • Other Applications

End Users Covered:

  • Banks
  • Financial Institutes
  • Insurance Companies
  • Other End Users

Regions Covered:

  • North America
    • US
    • Canada
    • Mexico
  • Europe
    • Germany
    • UK
    • Italy
    • France
    • Spain
    • Rest of Europe
  • Asia Pacific
    • Japan
    • China
    • India
    • Australia
    • New Zealand
    • South Korea
    • Rest of Asia Pacific
  • South America
    • Argentina
    • Brazil
    • Chile
    • Rest of South America
  • Middle East & Africa
    • Saudi Arabia
    • UAE
    • Qatar
    • South Africa
    • Rest of Middle East & Africa

What our report offers:

  • Market share assessments for the regional and country-level segments
  • Strategic recommendations for the new entrants
  • Covers Market data for the years 2022, 2023, 2024, 2026, and 2030
  • Market Trends (Drivers, Constraints, Opportunities, Threats, Challenges, Investment Opportunities, and recommendations)
  • Strategic recommendations in key business segments based on the market estimations
  • Competitive landscaping mapping the key common trends
  • Company profiling with detailed strategies, financials, and recent developments
  • Supply chain trends mapping the latest technological advancements

Free Customization Offerings:

All the customers of this report will be entitled to receive one of the following free customization options:

  • Company Profiling
    • Comprehensive profiling of additional market players (up to 3)
    • SWOT Analysis of key players (up to 3)
  • Regional Segmentation
    • Market estimations, Forecasts and CAGR of any prominent country as per the client's interest (Note: Depends on feasibility check)
  • Competitive Benchmarking
    • Benchmarking of key players based on product portfolio, geographical presence, and strategic alliances

Table of Contents

1 Executive Summary

2 Preface

  • 2.1 Abstract
  • 2.2 Stake Holders
  • 2.3 Research Scope
  • 2.4 Research Methodology
    • 2.4.1 Data Mining
    • 2.4.2 Data Analysis
    • 2.4.3 Data Validation
    • 2.4.4 Research Approach
  • 2.5 Research Sources
    • 2.5.1 Primary Research Sources
    • 2.5.2 Secondary Research Sources
    • 2.5.3 Assumptions

3 Market Trend Analysis

  • 3.1 Introduction
  • 3.2 Drivers
  • 3.3 Restraints
  • 3.4 Opportunities
  • 3.5 Threats
  • 3.6 Technology Analysis
  • 3.7 Application Analysis
  • 3.8 End User Analysis
  • 3.9 Emerging Markets
  • 3.10 Impact of Covid-19

4 Porters Five Force Analysis

  • 4.1 Bargaining power of suppliers
  • 4.2 Bargaining power of buyers
  • 4.3 Threat of substitutes
  • 4.4 Threat of new entrants
  • 4.5 Competitive rivalry

5 Global Fintech as a Service (FaaS) Market, By Type

  • 5.1 Introduction
  • 5.2 Payment Processing
  • 5.3 Wealth Management
  • 5.4 Banking and Lending
  • 5.5 Insurance
  • 5.6 Compliance and Risk Management

6 Global Fintech as a Service (FaaS) Market, By Technology

  • 6.1 Introduction
  • 6.2 Artificial Intelligence and Machine Learning (AI & ML)
  • 6.3 Blockchain
  • 6.4 Robotic Process Automation (RPA)
  • 6.5 Application Programming Interface (API)
  • 6.6 Big data

7 Global Fintech as a Service (FaaS) Market, By Application

  • 7.1 Introduction
  • 7.2 Fraud Monitoring
  • 7.3 KYC Verification
  • 7.4 Compliance & Regulatory Support
  • 7.5 Data Analytics and Insights
  • 7.6 Customer Onboarding & Account Management
  • 7.7 Money Management
  • 7.8 Real Estate Mortgage Services
  • 7.9 Other Applications

8 Global Fintech as a Service (FaaS) Market, By End User

  • 8.1 Introduction
  • 8.2 Banks
  • 8.3 Financial Institutes
  • 8.4 Insurance Companies
  • 8.5 Other End Users

9 Global Fintech as a Service (FaaS) Market, By Geography

  • 9.1 Introduction
  • 9.2 North America
    • 9.2.1 US
    • 9.2.2 Canada
    • 9.2.3 Mexico
  • 9.3 Europe
    • 9.3.1 Germany
    • 9.3.2 UK
    • 9.3.3 Italy
    • 9.3.4 France
    • 9.3.5 Spain
    • 9.3.6 Rest of Europe
  • 9.4 Asia Pacific
    • 9.4.1 Japan
    • 9.4.2 China
    • 9.4.3 India
    • 9.4.4 Australia
    • 9.4.5 New Zealand
    • 9.4.6 South Korea
    • 9.4.7 Rest of Asia Pacific
  • 9.5 South America
    • 9.5.1 Argentina
    • 9.5.2 Brazil
    • 9.5.3 Chile
    • 9.5.4 Rest of South America
  • 9.6 Middle East & Africa
    • 9.6.1 Saudi Arabia
    • 9.6.2 UAE
    • 9.6.3 Qatar
    • 9.6.4 South Africa
    • 9.6.5 Rest of Middle East & Africa

10 Key Developments

  • 10.1 Agreements, Partnerships, Collaborations and Joint Ventures
  • 10.2 Acquisitions & Mergers
  • 10.3 New Product Launch
  • 10.4 Expansions
  • 10.5 Other Key Strategies

11 Company Profiling

  • 11.1 Airwallex
  • 11.2 Stripe
  • 11.3 Plaid
  • 11.4 Marqeta
  • 11.5 Rapyd
  • 11.6 Synapse
  • 11.7 Solarisbank
  • 11.8 Unit
  • 11.9 Railsbank
  • 11.10 Finix
  • 11.11 Galileo Financial Technologies
  • 11.12 Mambu
  • 11.13 Bankable
  • 11.14 Currencycloud
  • 11.15 Dwolla
  • 11.16 Weavr
  • 11.17 OpenPayd
  • 11.18 Treasury Prime

List of Tables

  • Table 1 Global Fintech as a Service (FaaS) Market Outlook, By Region (2022-2030) ($MN)
  • Table 2 Global Fintech as a Service (FaaS) Market Outlook, By Type (2022-2030) ($MN)
  • Table 3 Global Fintech as a Service (FaaS) Market Outlook, By Payment Processing (2022-2030) ($MN)
  • Table 4 Global Fintech as a Service (FaaS) Market Outlook, By Wealth Management (2022-2030) ($MN)
  • Table 5 Global Fintech as a Service (FaaS) Market Outlook, By Banking and Lending (2022-2030) ($MN)
  • Table 6 Global Fintech as a Service (FaaS) Market Outlook, By Insurance (2022-2030) ($MN)
  • Table 7 Global Fintech as a Service (FaaS) Market Outlook, By Compliance and Risk Management (2022-2030) ($MN)
  • Table 8 Global Fintech as a Service (FaaS) Market Outlook, By Technology (2022-2030) ($MN)
  • Table 9 Global Fintech as a Service (FaaS) Market Outlook, By Artificial Intelligence and Machine Learning (AI & ML) (2022-2030) ($MN)
  • Table 10 Global Fintech as a Service (FaaS) Market Outlook, By Blockchain (2022-2030) ($MN)
  • Table 11 Global Fintech as a Service (FaaS) Market Outlook, By Robotic Process Automation (RPA) (2022-2030) ($MN)
  • Table 12 Global Fintech as a Service (FaaS) Market Outlook, By Application Programming Interface (API) (2022-2030) ($MN)
  • Table 13 Global Fintech as a Service (FaaS) Market Outlook, By Big data (2022-2030) ($MN)
  • Table 14 Global Fintech as a Service (FaaS) Market Outlook, By Application (2022-2030) ($MN)
  • Table 15 Global Fintech as a Service (FaaS) Market Outlook, By Fraud Monitoring (2022-2030) ($MN)
  • Table 16 Global Fintech as a Service (FaaS) Market Outlook, By KYC Verification (2022-2030) ($MN)
  • Table 17 Global Fintech as a Service (FaaS) Market Outlook, By Compliance & Regulatory Support (2022-2030) ($MN)
  • Table 18 Global Fintech as a Service (FaaS) Market Outlook, By Data Analytics and Insights (2022-2030) ($MN)
  • Table 19 Global Fintech as a Service (FaaS) Market Outlook, By Customer Onboarding & Account Management (2022-2030) ($MN)
  • Table 20 Global Fintech as a Service (FaaS) Market Outlook, By Money Management (2022-2030) ($MN)
  • Table 21 Global Fintech As A Service (Faas) Market Outlook, By Real Estate Mortgage Services (2022-2030) ($MN)
  • Table 22 Global Fintech as a Service (FaaS) Market Outlook, By Other Applications (2022-2030) ($MN)
  • Table 23 Global Fintech as a Service (FaaS) Market Outlook, By End User (2022-2030) ($MN)
  • Table 24 Global Fintech as a Service (FaaS) Market Outlook, By Banks (2022-2030) ($MN)
  • Table 25 Global Fintech as a Service (FaaS) Market Outlook, By Financial Institutes (2022-2030) ($MN)
  • Table 26 Global Fintech as a Service (FaaS) Market Outlook, By Insurance Companies (2022-2030) ($MN)
  • Table 27 Global Fintech as a Service (FaaS) Market Outlook, By Other End Users (2022-2030) ($MN)

Note: Tables for North America, Europe, APAC, South America, and Middle East & Africa Regions are also represented in the same manner as above.