查看购物车
  • Traditional Chinese
  • English
  • Japanese
封面
市场调查报告书
商品编码
1822525

2032 年 B2B 金融科技与企业银行市场预测：按解决方案类型、公司规模、最终用户和地区进行的全球分析

B2B Fintech & Corporate Banking Market Forecasts to 2032 - Global Analysis By Solution Type, Enterprise Size (Large Enterprises and Small & Medium-sized Enterprises ), 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 B2B 金融科技和企业银行市场预计在 2025 年达到 129 亿美元，到 2032 年将达到 266 亿美元，预测期内的复合年增长率为 10.9%。

B2B金融科技与企业银行解决方案为企业提供支付、贷款、资金管理和财务分析等数位金融服务。市场由对自动化、云端基础银行和即时业务洞察的需求所驱动。提供者专注于安全性、整合和流程最佳化。目标用户包括寻求经济高效、可扩展且高效的金融解决方案的中小企业、大型企业和金融机构。数位化趋势、监管变化以及对更高财务透明度、营运效率和无缝B2B银行体验的需求推动着该市场的成长。

根据印度储备银行的数据，2024 财年定期商业银行的存款增加了 20.4 亿卢比，反映出企业银行业务活动强劲。

跨境贸易和汇款成长

跨境贸易和汇款的成长显着扩大了对B2B金融科技和企业银行解决方案的需求。企业越来越需要更快、更低成本的外汇结算、多币种流动性工具以及可程式设计支付管道，以支援全球供应商网路和工资支付。非银行服务供应商已占据了相当一部分低价值流量，促使现有企业投资于API主导的平台、伙伴关係和嵌入式解决方案。此外，贸易单据的数位化、更丰富的资料流和即时分析正在提高营运资金的可视性，加速采用针对跨境业务量身定制的财务和现金管理服务，从而降低成本并增强控制力。

监管和合规的复杂性

对于B2B金融科技和企业银行服务提供者而言，跨司法管辖区的监管和合规复杂性推高了成本，并减缓了产品推出的速度。不同的许可证制度、不同的反洗钱标准、资料本地化规则以及不一致的「了解你的客户」要求，迫使企业建立客製化的合规堆迭并进行冗长的法律审查。此外，跨境资料传输限制和不同的税务处理使整合平台的交付变得复杂。这些摩擦增加了产品上市时间，限制了扩充性，并增加了营运风险，迫使许多金融科技公司优先考虑针对特定区域的策略，或与已经遵守当地法规结构的现有企业合作。这些负担往往会抑制投资并减缓创新。

嵌入式金融

嵌入式金融将支付、借贷和财务服务直接整合到非金融平台，开闢了重要的成长途径。软体供应商、交易平台和 ERP 供应商可以深化客户互动，建立经常性收益流，并在需要时提供情境化融资。 BCG 和产业研究估计，该市场规模达数十亿美元，但许多细分市场仍未充分渗透。此外，嵌入式服务可以降低金融服务提供者的客户获取成本，加速平台合作伙伴的收益，为中小企业提供客製化解决方案，提高企业客户现金流的可预测性，并支援快速的全球扩张。

经济衰退

景气衰退和宏观经济波动可能会大幅减少交易量，萎缩企业信贷需求，并增加B2B金融科技和企业银行生态系统的违约风险。跨境交易减少、客户现金流受限以及信贷条件减弱可能会压缩手续费收入，延长销售週期，并给定价和利润带来压力。此外，依赖资金筹措的金融科技公司可能面临资金短缺，从而推迟产品开发和地理扩张。因此，服务提供者必须优先考虑资产负债表的韧性、谨慎的承保和收益模式的多元化，以抵御週期性衝击、确保稳定性并维护客户信心。

COVID-19的影响：

疫情加速了企业和中小企业的数位化，推动了财务数位化、远端入职和支付。银行和金融科技公司扩展了云端基础的平台、API整合和即时支付管道，以应对供应链中断和不断变化的流动性需求。然而，新冠疫情暴露了人工流程中的漏洞，并给营运成本週期带来了压力。整体而言，这场危机促使企业加快技术应用，并提升了现金管理的韧性。

预计财务和现金管理部门将成为预测期内最大的部门

预计在预测期内，资金和现金管理领域将占据最大的市场份额。随着企业寻求减少现金摩擦并改进预测，对即时可视性、流动性优化和整合支付的需求日益增长，该领域将受益匪浅。银行和金融科技公司正在提供云端原生的TMS、API和分析服务，以实现银行帐户整合、对帐自动化、资金划转和外汇对冲。因此，大大小小的企业都在采用这些解决方案来更有效地管理营运成本、降低成本并满足跨多个司法管辖区的监管报告要求。

预计中小企业板块在预测期内的复合年增长率最高

预计中小企业 (SME) 细分市场将在预测期内呈现最高成长率。中小企业正迅速采用数位银行、支付和嵌入式金融服务，以精简应收帐款、获取营运资金并简化跨境交易。减少入职摩擦、与会计软体的 API 整合以及客製化的贷款产品，使金融科技解决方案更具吸引力。此外，平台经济效益和合作伙伴分销优势使其能够快速实现规模化。因此，瞄准中小企业的金融科技公司能够透过提供针对小型企业现金週期优化的打包式财务、支付和信贷产品，实现超额成长。

占比最大的地区：

预计北美将在预测期内占据最大的市场份额。该市场受益于成熟的银行基础设施、充足的创业投资池、广泛的云端运算应用以及寻求先进金融和支付解决方案的大型企业。金融科技的高采用率、有利的监管沙盒以及强大的交易生态系统正在加速其商业化进程。此外，美国拥有许多主要技术供应商、全球银行和金融科技中心，支援快速的产品开发和伙伴关係关係，从而推动北美在B2B金融科技和企业银行业务收益中占据主导地位。

复合年增长率最高的地区：

预计亚太地区在预测期内的复合年增长率最高。数位支付的快速普及、银行帐户帐户和银行帐户不足人群的线上使用、中小企业数量的快速增长以及行动装置的普及，正在推动金融科技的普及。亚太地区各国政府正在实施开放银行、UPI 等即时支付方式以及金融科技友善政策，从而刺激资金筹措和本地企业进行创新。因此，新兴市场正在快速扩张，区域金融科技中心正在吸引人才和投资，亚太地区的跨境贸易也进一步推动了对综合企业银行和财务技术及服务的需求。

免费客製化服务：

此报告的订阅者可以选择以下免费自订选项之一：

  • 公司简介
    • 对最多三家其他市场公司进行全面分析
    • 主要企业的SWOT分析（最多3家公司）
  • 区域细分
    • 根据客户兴趣对主要国家进行的市场估计、预测和复合年增长率（註：基于可行性检查）
  • 竞争基准化分析
    • 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

第二章 前言

  • 概述
  • 相关利益者
  • 调查范围
  • 调查方法
    • 资料探勘
    • 数据分析
    • 数据检验
    • 研究途径
  • 研究材料
    • 主要研究资料
    • 次级研究资讯来源
    • 先决条件

第三章市场走势分析

  • 驱动程式
  • 抑制因素
  • 机会
  • 威胁
  • 最终用户分析
  • 新兴市场
  • COVID-19的影响

第四章 波特五力分析

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

5. 全球 B2B 金融科技与企业银行市场（依解决方案类型）

  • 数位借贷平台
  • 贸易融资和供应链平台
  • 跨境支付和汇款
  • 企业卡和费用管理
  • 财务和现金管理
  • 其他解决方案类型

6. 全球 B2B 金融科技与企业银行市场（依公司规模）

  • 大公司
  • 小型企业

7. 全球 B2B 金融科技和企业银行市场（按最终用户）

  • 资讯科技/通讯
  • 製造业
  • 卫生保健
  • 零售与电子商务
  • BFSI
  • 其他最终用户

8. 全球B2B金融科技及企业银行市场（按地区）

  • 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
    • 其他欧洲国家
  • 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

第九章：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

第十章：企业概况

  • ACI Worldwide
  • Allica Bank
  • Adyen
  • Bank of America
  • BlackRock
  • Brex
  • Citi
  • Fiserv
  • Intuit
  • NCino
  • PayPal
  • Pine Labs
  • Revolut
  • Rakuten Card
  • Stripe
  • Sunrate
  • Wells Fargo
  • Wise
Product Code: SMRC31280

According to Stratistics MRC, the Global B2B Fintech & Corporate Banking Market is accounted for $12.9 billion in 2025 and is expected to reach $26.6 billion by 2032 growing at a CAGR of 10.9% during the forecast period. B2B fintech and corporate banking solutions provide digital financial services to enterprises, including payments, lending, treasury management, and financial analytics. The market is driven by automation, cloud-based banking, and demand for real-time business insights. Providers focus on security, integration, and process optimization. Target users include SMEs, large corporations, and financial institutions seeking cost-effective, scalable, and efficient financial solutions. Growth is supported by digitization trends, regulatory changes, and the need for enhanced financial transparency, operational efficiency, and seamless business-to-business banking experiences.

According to the Reserve Bank of India, scheduled commercial banks reported ₹2.04 lakh crore in deposit growth in FY24, reflecting strong corporate banking activity.

Market Dynamics:

Driver:

Growth in cross-border trade & remittance

Growth in cross-border trade and remittances has materially expanded demand for B2B fintech and corporate banking solutions. Firms increasingly require faster, lower-cost foreign-exchange settlement, multi-currency liquidity tools and programmable payment rails to support global supplier networks and payrolls. Nonbank providers captured a large share of low-value flows, prompting incumbents to invest in API-led platforms, partnerships and embedded solutions. Furthermore, digitisation of trade documentation, richer data flows and real-time analytics improve working-capital visibility, accelerating adoption of treasury and cash-management services tailored to cross-border operations. It reduces costs and tightens controls.

Restraint:

Regulatory and compliance complexity across jurisdictions

Regulatory and compliance complexity across jurisdictions raises costs and slows product rollouts for B2B fintech and corporate banking providers. Varied licensing regimes, differing anti-money-laundering standards, data-localisation rules and inconsistent know-your-customer requirements force firms into bespoke compliance stacks and lengthy legal reviews. Additionally, cross-border data transfer constraints and divergent tax treatments complicate integrated platform offerings. These frictions increase time-to-market, restrict scalability and elevate operational risk, compelling many fintechs to prioritise region-specific strategies or partner with incumbents that already navigate local regulatory frameworks. Such burdens often deter investment and slow innovation.

Opportunity:

Embedded finance

Embedded finance presents a significant avenue for growth by integrating payments, lending and treasury services directly into nonfinancial platforms. Software vendors, marketplaces and ERP providers can deepen customer engagement, create recurring revenue streams and offer contextual financing at point of need. BCG and industry studies estimate a multi-billion dollar addressable market, with many segments still underpenetrated. Moreover, embedded offerings reduce customer acquisition costs for financial providers and accelerate monetisation for platform partners, enabling tailored SME solutions and improving cash flow predictability for corporate clients, and supporting faster scaling globally.

Threat:

Economic downturns

Economic downturns and macroeconomic volatility can materially reduce transaction volumes, shrink corporate credit demand and heighten default risks for B2B fintech and corporate banking ecosystems. Lower cross-border trade, constrained client cash flows and tighter credit conditions compress fee income and lengthen sales cycles, pressuring pricing and margins. Additionally, fintechs that rely on venture funding may face capital scarcity, slowing product development and geographic expansion. As a result, providers must prioritise balance-sheet resilience, conservative underwriting and diversified revenue models to withstand cyclical shocks and ensure stability and maintain client trust.

Covid-19 Impact:

The pandemic accelerated digital adoption among corporates and SMEs, pushing treasury digitisation, remote onboarding and payments. Banks and fintechs expanded cloud-based platforms, API integrations and instant-pay rails to support disrupted supply chains and changing liquidity needs. However, COVID-19 exposed vulnerabilities in manual processes and strained working-capital cycles, prompting renewed focus on automation and risk monitoring. Overall, the crisis acted as a catalyst for faster technology adoption and more resilient corporate cash management practices.

The treasury & cash management segment is expected to be the largest during the forecast period

The treasury & cash management segment is expected to account for the largest market share during the forecast period. This category benefits from rising demand for real-time visibility, liquidity optimisation and integrated payments as corporates seek to reduce cash friction and improve forecasting. Banks and fintechs are offering cloud-native TMS, APIs and analytics to consolidate bank accounts, automate reconciliations and enable sweep, FX hedging. Consequently, larger enterprises and SMEs adopt these solutions to manage working capital more efficiently, reduce costs and meet regulatory reporting requirements across multiple jurisdictions.

The small & medium-sized enterprises (SMEs) segment is expected to have the highest CAGR during the forecast period

Over the forecast period, the small & medium-sized enterprises (SMEs) segment is predicted to witness the highest growth rate. SMEs are rapidly adopting digital banking, payments and embedded financial services to streamline receivables, access working-capital and simplify cross-border trade. Lower onboarding friction, API integrations with accounting software and tailored lending products make fintech solutions attractive. Additionally, platform economics and partner distribution enable rapid scale. Consequently, fintechs targeting SMEs can capture disproportionate growth by offering packaged treasury, payments and credit products optimized for smaller corporate cash cycles.

Region with largest share:

During the forecast period, the North America region is expected to hold the largest market share. The market benefits from a mature banking infrastructure, deep venture capital pools, widespread cloud adoption and large corporates demanding advanced treasury and payments solutions. High fintech penetration, favourable regulatory sandboxes and strong merchant-of-record ecosystems accelerate productisation. Moreover, leading technology providers, global banks and fintech hubs in the United States support rapid product development and partnerships that together sustain North America's dominant share of B2B fintech and corporate banking revenues.

Region with highest CAGR:

Over the forecast period, the Asia Pacific region is anticipated to exhibit the highest CAGR. Rapid digital payments adoption, large unbanked and underbanked segments moving online, fast-growing SME populations and heavy mobile penetration drive fintech adoption. Governments across APAC are enabling open-banking, UPI-like instant rails and fintech-friendly policies, while venture funding and local incumbents fuel innovation. Consequently, nascent markets scale quickly, regional fintech hubs attract talent and investment, and cross-border trade within APAC further amplifies demand for integrated corporate banking and treasury technologies and services.

Key players in the market

Some of the key players in B2B Fintech & Corporate Banking Market include ACI Worldwide, Allica Bank, Adyen, Bank of America, BlackRock, Brex, Citi, Fiserv, Intuit, NCino, PayPal, Pine Labs, Revolut, Rakuten Card, Stripe, Sunrate, Wells Fargo, and Wise.

Key Developments:

In September 2025, nCino launched ProBanker by FullCircl in the UK. This solution helps UK lenders manage risk and identify opportunity across business portfolios. It gives near real-time visibility into credit status, liquidity & exposure, enabling earlier detection of risk, faster funding decisions.

In August 2025 (at EBAday), ACI introduced a transformative unified, cloud-native platform aimed at enabling banks to centralize processing of all payment types. This is relevant for corporate/transaction banking where banks often deal with varied payment types.

In July 2025, ACI and iNet extended their partnership to bolster fintech growth in Saudi Arabia.

Solution Types Covered:

  • Digital Lending Platforms
  • Trade Finance & Supply Chain Platforms
  • Cross-Border Payments & Remittance
  • Corporate Cards & Expense Management
  • Treasury & Cash Management
  • Other Solution Types

Enterprise Sizes:

  • Large Enterprises
  • Small & Medium-sized Enterprises (SMEs)

End Users Covered:

  • IT & Telecom
  • Manufacturing
  • Healthcare
  • Retail & E-commerce
  • BFSI
  • 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 2024, 2025, 2026, 2028, and 2032
  • 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 End User Analysis
  • 3.7 Emerging Markets
  • 3.8 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 B2B Fintech & Corporate Banking Market, By Solution Type

  • 5.1 Introduction
  • 5.2 Digital Lending Platforms
  • 5.3 Trade Finance & Supply Chain Platforms
  • 5.4 Cross-Border Payments & Remittance
  • 5.5 Corporate Cards & Expense Management
  • 5.6 Treasury & Cash Management
  • 5.7 Other Solution Types

6 Global B2B Fintech & Corporate Banking Market, By Enterprise Size

  • 6.1 Introduction
  • 6.2 Large Enterprises
  • 6.3 Small & Medium-sized Enterprises (SMEs)

7 Global B2B Fintech & Corporate Banking Market, By End User

  • 7.1 Introduction
  • 7.2 IT & Telecom
  • 7.3 Manufacturing
  • 7.4 Healthcare
  • 7.5 Retail & E-commerce
  • 7.6 BFSI
  • 7.7 Other End Users

8 Global B2B Fintech & Corporate Banking Market, By Geography

  • 8.1 Introduction
  • 8.2 North America
    • 8.2.1 US
    • 8.2.2 Canada
    • 8.2.3 Mexico
  • 8.3 Europe
    • 8.3.1 Germany
    • 8.3.2 UK
    • 8.3.3 Italy
    • 8.3.4 France
    • 8.3.5 Spain
    • 8.3.6 Rest of Europe
  • 8.4 Asia Pacific
    • 8.4.1 Japan
    • 8.4.2 China
    • 8.4.3 India
    • 8.4.4 Australia
    • 8.4.5 New Zealand
    • 8.4.6 South Korea
    • 8.4.7 Rest of Asia Pacific
  • 8.5 South America
    • 8.5.1 Argentina
    • 8.5.2 Brazil
    • 8.5.3 Chile
    • 8.5.4 Rest of South America
  • 8.6 Middle East & Africa
    • 8.6.1 Saudi Arabia
    • 8.6.2 UAE
    • 8.6.3 Qatar
    • 8.6.4 South Africa
    • 8.6.5 Rest of Middle East & Africa

9 Key Developments

  • 9.1 Agreements, Partnerships, Collaborations and Joint Ventures
  • 9.2 Acquisitions & Mergers
  • 9.3 New Product Launch
  • 9.4 Expansions
  • 9.5 Other Key Strategies

10 Company Profiling

  • 10.1 ACI Worldwide
  • 10.2 Allica Bank
  • 10.3 Adyen
  • 10.4 Bank of America
  • 10.5 BlackRock
  • 10.6 Brex
  • 10.7 Citi
  • 10.8 Fiserv
  • 10.9 Intuit
  • 10.10 NCino
  • 10.11 PayPal
  • 10.12 Pine Labs
  • 10.13 Revolut
  • 10.14 Rakuten Card
  • 10.15 Stripe
  • 10.16 Sunrate
  • 10.17 Wells Fargo
  • 10.18 Wise

List of Tables

  • 1 Global B2B Fintech & Corporate Banking Market Outlook, By Region (2024-2032) ($MN)
  • 2 Global B2B Fintech & Corporate Banking Market Outlook, By Solution Type (2024-2032) ($MN)
  • 3 Global B2B Fintech & Corporate Banking Market Outlook, By Digital Lending Platforms (2024-2032) ($MN)
  • 4 Global B2B Fintech & Corporate Banking Market Outlook, By Trade Finance & Supply Chain Platforms (2024-2032) ($MN)
  • 5 Global B2B Fintech & Corporate Banking Market Outlook, By Cross-Border Payments & Remittance (2024-2032) ($MN)
  • 6 Global B2B Fintech & Corporate Banking Market Outlook, By Corporate Cards & Expense Management (2024-2032) ($MN)
  • 7 Global B2B Fintech & Corporate Banking Market Outlook, By Treasury & Cash Management (2024-2032) ($MN)
  • 8 Global B2B Fintech & Corporate Banking Market Outlook, By Other Solution Types (2024-2032) ($MN)
  • 9 Global B2B Fintech & Corporate Banking Market Outlook, By Enterprise Size (2024-2032) ($MN)
  • 10 Global B2B Fintech & Corporate Banking Market Outlook, By Large Enterprises (2024-2032) ($MN)
  • 11 Global B2B Fintech & Corporate Banking Market Outlook, By Small & Medium-sized Enterprises (SMEs) (2024-2032) ($MN)
  • 12 Global B2B Fintech & Corporate Banking Market Outlook, By End User (2024-2032) ($MN)
  • 13 Global B2B Fintech & Corporate Banking Market Outlook, By IT & Telecom (2024-2032) ($MN)
  • 14 Global B2B Fintech & Corporate Banking Market Outlook, By Manufacturing (2024-2032) ($MN)
  • 15 Global B2B Fintech & Corporate Banking Market Outlook, By Healthcare (2024-2032) ($MN)
  • 16 Global B2B Fintech & Corporate Banking Market Outlook, By Retail & E-commerce (2024-2032) ($MN)
  • 17 Global B2B Fintech & Corporate Banking Market Outlook, By BFSI (2024-2032) ($MN)
  • 18 Global B2B Fintech & Corporate Banking Market Outlook, By Other End Users (2024-2032) ($MN)