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市场调查报告书
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1843897
2025年全球IT银行、金融服务和保险(BFSI)市场报告IT BFSI Global Market Report 2025 |
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近年来,IT BFSI市场发展迅速,从2023年的1,495亿美元成长到2024年的1,709.1亿美元,复合年增长率达14.3%。这一增长可归因于监管合规和安全要求、旧有系统现代化、数据分析和商业智慧、金融科技颠覆以及风险管理解决方案。
近年来,IT BFSI市场规模快速成长,从2024年的1,672.3亿美元成长到2025年的1,879.5亿美元,复合年增长率达12.4%。这段成长时期主要归因于监管合规和安全要求、旧有系统现代化、数据分析和商业智慧、金融科技颠覆以及风险管理解决方案。
银行、金融服务和保险业的资讯科技涉及在银行业、金融业和保险业的各个领域中使用资讯技术,包括资料处理、应用程式测试、软体开发、IT支援服务、业务流程外包以及技术和专业服务管理。
在银行、金融服务和保险(BFSI)资讯科技领域,主要服务类别包括託管服务和专业服务。託管服务透过持续支援和主动管理,为客户提供网路、应用、基础设施和安全服务,服务部署在客户本地、MSP(託管服务提供者)的资料中心或第三方资料中心。此流程中使用的技术包括网路安全、人工智慧、商业情报、企业资源规划 (ERP)、人力资本管理 (HCM)、企业内容管理 (ECM)、客户关係管理 (CRM) 和整合通讯。这些技术被部署在各种规模的组织中,从中小企业 (SME) 到大型企业,涵盖本地部署和云端环境。
美国在2025年春季突然提高关税及其引发的贸易摩擦,对资讯科技产业,特别是硬体製造、资料基础设施和软体部署领域,造成了显着影响。进口半导体、电路基板和网路设备的关税上涨,推高了高科技公司、云端服务供应商和资料中心的生产和营运成本。在全球范围内采购笔记型电脑、伺服器和消费电子产品零件的公司,面临更长的前置作业时间週期和价格压力。同时,对专用软体征收的关税以及主要国际市场的报復性措施,扰乱了全球IT供应链,并降低了海外对美国製造技术的需求。为了应对这些挑战,该产业正在加大对国内晶片生产的投资,扩大供应商网络,并利用人工智慧驱动的自动化技术来增强韧性,更有效地控製成本。
预计未来几年,IT BFSI(银行、金融服务和保险)市场将快速成长,到2029年市场规模将达到3,152.4亿美元,复合年增长率(CAGR)为13.8%。预测期间的成长可归因于先进的网路安全措施、人工智慧和机器学习的整合、云端技术在可扩展性方面的应用、开放银行计画以及客户体验的提升。预测期间的关键趋势包括数位银行的兴起、持续的数位转型、监管科技(RegTech)、区块链和分散式帐本技术以及以客户为中心的解决方案。
我们预测未来五年成长率为13.8%,较先前的预测略微下调了0.2个百分点。这一下调主要是因为美国与其他国家之间的关税影响。进口伺服器基础设施和网路安全工具面临的关税压力可能会减缓依赖可扩展IT平台的银行、金融服务和保险(BFSI)机构的数位转型。此外,相互关税以及日益加剧的贸易紧张局势和限制措施对全球经济和贸易造成的负面影响可能会产生更广泛的影响。
预计未来几年,IT BFSI(银行、金融服务和保险)市场将快速成长,到2028年市场规模将达到2,763.7亿美元,复合年增长率(CAGR)为12.8%。预测期内的成长主要归功于先进的网路安全措施、人工智慧和机器学习的整合、云端技术在可扩展性方面的应用、开放银行计画以及对提升客户体验的重视。这段时期的主要趋势包括数位银行的兴起、持续的数位转型、监管科技(RegTech)的出现、区块链和分散式帐本技术的应用以及以客户为中心的解决方案的开发。
预计未来几年,数位支付方式的日益普及将显着推动IT银行、金融服务和保险(BFSI)市场的发展。数位支付是指透过各种电子管道进行的交易。这些支付方式可以缩短等待时间,并改善客户在网点的体验。此外,随着所有银行流程的数位化,客户不再需要前往实体分行。这种转变以资讯科技提供的持续线上服务取代了银行的实体网点。例如,英国支付技术公司Banked Ltd.在2023年11月发布的报告显示,美国消费者正在使其金融行为多样化,79.2%的受访者每月使用两到五种支付方式。签帐金融卡是最受欢迎的付款方式,占66.6%,其次是PayPal,占53%。其他流行的付款方式包括Venmo(16.4%)、信用卡(51.4%)、电子钱包(20.4%)、Cash App(31.6%)和银行转帐(10%)。因此,数位支付方式的日益普及预计将推动IT银行、金融服务和保险(BFSI)市场的成长。
云端运算的日益普及预计将进一步推动IT BFSI市场的成长。云端运算普及是指个人、组织和产业广泛采用云端运算服务,以远端储存、管理和存取资料及应用程式。云端基础的平台有助于快速开发和部署新的金融产品和服务,使BFSI机构保持竞争力。例如,总部位于比利时的欧盟执行机构-欧盟委员会(EC)在2023年12月表示,欧盟云端解决方案的采用率将在2023年成长4.2个百分点,届时将有45.2%的公司使用云端处理服务,与2021年相比显着成长。因此,云端运算普及率的提高有望推动IT BFSI市场的成长。
技术进步是推动IT银行、金融服务和保险(BFSI)市场发展的重要趋势。该领域的主要企业正在开发创新技术以增强其竞争优势。例如,2024年8月,总部位于印度的数位银行和支付技术公司NPST在2024年全球金融科技节(Global Fintech Fest 2024)上发布了一套包含七款人工智慧驱动的数位支付产品。这些解决方案,包括风险智慧决策平台和EVOK 3.0支付平台,旨在提高诈欺防范能力、简化交易处理流程,并为银行、支付聚合商和商家提供个人化的支付体验。
IT BFSI(银行、金融服务和保险资讯技术)市场的主要企业正致力于开发创新解决方案,例如生成式预训练 Transformer (GPT) 技术,以满足银行和金融机构的需求。 GPT 是一种大规模语言模型 (LLM),已成为一种生成式人工智慧 (AI) 框架。例如,2023 年 3 月,总部位于印度的数位银行平台 Trustt 推出了第一个面向银行业的主要 GPT 产品套件。该套件利用生成式预训练 Transformer (GPT) 技术,提供个人化服务,透过任务自动化提高营运效率,并增强自然语言处理能力。在 IT BFSI 市场,该套件有望改善客户体验,简化业务流程,并标誌着先进 AI 能力的显着应用,有助于提升该行业的竞争力和创新能力。
2022年3月,总部位于英国的线上国际付款管道Midpoint Holdings Ltd.收购了Blockchain World Ltd.,具体金额未揭露。此举旨在透过整合Blockchain World的区块链技术,增强Midpoint面向消费者的数位资产平台实力。 Blockchain World Ltd.总部位于英国,专注于为银行、金融服务和保险(BFSI)产业提供区块链技术解决方案。
IT 银行、金融服务和保险 (BFSI) 市场包括提供硬体支援服务、软体和业务流程外包 (BPO) 服务以及云端服务等服务的营业单位所获得的收入。市场价值还包括服务提供者销售的或包含在其服务产品中的相关商品的价值。仅包括在企业之间交易或销售给最终消费者的商品和服务。
Information technology in banking, financial services, and insurance involves using IT for a wide range of banking, financial, and insurance services. This includes managing data processing, application testing, software development, IT-enabled services, business process outsourcing, and technical and professional services.
Within the IT BFSI (Information Technology in Banking, Financial Services, and Insurance) sector, the main service categories are managed services and professional services. Managed services involve the delivery of network, application, infrastructure, and security services to clients through continuous support and active administration either on their premises, within the MSP's data center, or in a third-party data center. The technologies used in this process include cybersecurity, artificial intelligence, business intelligence, enterprise resource planning (ERP), human capital management (HCM), enterprise content management (ECM), customer relationship management (CRM), and unified communications. These technologies are deployed in both on-premises and cloud environments across organizations of varying sizes, including small, medium, and large enterprises.
Note that the outlook for this market is being affected by rapid changes in trade relations and tariffs globally. The report will be updated prior to delivery to reflect the latest status, including revised forecasts and quantified impact analysis. The report's Recommendations and Conclusions sections will be updated to give strategies for entities dealing with the fast-moving international environment.
The sharp rise in U.S. tariffs and the ensuing trade tensions in spring 2025 are having a significant impact on the information technology sector, especially in hardware manufacturing, data infrastructure, and software deployment. Increased duties on imported semiconductors, circuit boards, and networking equipment have driven up production and operating costs for tech companies, cloud service providers, and data centers. Firms that depend on globally sourced components for laptops, servers, and consumer electronics are grappling with extended lead times and mounting pricing pressures. At the same time, tariffs on specialized software and retaliatory actions by key international markets have disrupted global IT supply chains and dampened foreign demand for U.S.-made technologies. In response, the sector is ramping up investments in domestic chip production, broadening its supplier network, and leveraging AI-powered automation to improve resilience and manage costs more effectively.
The it bfsi market size has grown rapidly in recent years. It will grow from $149.5 billion in 2023 to $170.91 billion in 2024 at a compound annual growth rate (CAGR) of 14.3%. The growth in the historic period can be attributed to regulatory compliance and security demands, legacy system modernization, data analytics and business intelligence, fintech disruption, risk management solutions.
The it bfsi market size has grown rapidly in recent years. It will grow from $167.23 billion in 2024 to $187.95 billion in 2025 at a compound annual growth rate (CAGR) of 12.4%. The growth in the historic period can be attributed to regulatory compliance and security demands, legacy system modernization, data analytics and business intelligence, fintech disruption, risk management solutions.
The it bfsi market size is expected to see rapid growth in the next few years. It will grow to $315.24 billion in 2029 at a compound annual growth rate (CAGR) of 13.8%. The growth in the forecast period can be attributed to advanced cybersecurity measures, AI and machine learning integration, cloud adoption for scalability, open banking initiatives, customer experience enhancement. Major trends in the forecast period include rise of digital banking, digital transformation continues, regulatory technology (RegTech), blockchain and distributed ledger technology, customer-centric solutions.
The forecast of 13.8% growth over the next five years reflects a slight reduction of 0.2% from the previous projection. This reduction is primarily due to the impact of tariffs between the US and other countries. Tariff pressures on imported server infrastructure and cybersecurity tools could slow digital transformation within BFSI institutions that rely on scalable IT platforms. The effect will also be felt more widely due to reciprocal tariffs and the negative effect on the global economy and trade due to increased trade tensions and restrictions.
The it bfsi market size is expected to see rapid growth in the next few years. It will grow to $276.37 billion in 2028 at a compound annual growth rate (CAGR) of 12.8%. The anticipated growth in the forecast period can be attributed to advanced cybersecurity measures, the integration of AI and machine learning, the adoption of cloud technology for scalability, open banking initiatives, and a focus on enhancing customer experience. Major trends expected in this period include the rise of digital banking, ongoing digital transformation, the emergence of regulatory technology (RegTech), the utilization of blockchain and distributed ledger technology, and the development of customer-centric solutions.
The growing adoption of digital payment methods is anticipated to significantly boost the IT BFSI market in the future. Digital payment refers to transactions conducted through various electronic mediums. These payments lead to shorter wait times and enhance the in-store experience for customers, while also eliminating the need for customers to visit physical branches, as all banking processes are digitized. This shift replaces the bank's physical presence with a continuous online presence, facilitated by information technology. For example, in November 2023, Banked Ltd., a UK-based payments technology company, reported that US consumers are diversifying their financial practices, with 79.2% of respondents now using 2-5 payment methods monthly, a significant increase from 57% in 2022. Debit cards remain the most preferred option at 66.6%, followed by PayPal at 53%. Other popular payment methods include Venmo (16.4%), credit cards (51.4%), e-wallets (20.4%), Cash App (31.6%), and bank transfers (10%). Hence, the rising penetration of digital payment methods is expected to drive the growth of the IT BFSI market.
The increasing adoption of cloud computing is projected to further stimulate the growth of the IT BFSI market. Cloud adoption refers to the widespread implementation and use of cloud computing services by individuals, organizations, or industries to remotely store, manage, and access data and applications. Cloud-based platforms facilitate the rapid development and deployment of new financial products and services, enabling BFSI institutions to maintain a competitive edge. For instance, in December 2023, the European Commission (EC), the executive body of the European Union (EU) based in Belgium, stated that the adoption of cloud solutions in the EU increased by 4.2 percentage points in 2023, with 45.2% of enterprises utilizing cloud computing services, marking a notable rise compared to 2021. Therefore, the increasing cloud adoption is set to drive the growth of the IT BFSI market.
Technological advancement is a prominent trend gaining traction in the IT BFSI market. Leading companies in this sector are creating innovative technologies to enhance their competitive edge. For example, in August 2024, NPST, a digital banking and payments technology firm based in India, introduced a suite of seven AI-powered digital payment products at the Global Fintech Fest 2024. These solutions, which include the Risk Intelligence Decisioning Platform and EVOK 3.0 Payments Platform, aim to improve fraud prevention, streamline transaction processing, and deliver personalized payment experiences for banks, payment aggregators, and merchants.
Leading companies in the IT BFSI (Information Technology for Banking, Financial Services, and Insurance) market are directing their efforts towards developing innovative solutions, including Generative Pre-trained Transformer (GPT) technology, to cater to the needs of banks and financial institutions. GPTs are a type of large language model (LLM) that has gained prominence as a framework for generative artificial intelligence (AI). For example, in March 2023, Trustt, an India-based digital banking platform serving banks, non-banking financial companies (NBFCs), microfinance institutions (MFIs), and fintech firms, unveiled its First Major GPT Product Suite for the Banking Industry. This suite introduces personalized services, enhances operational efficiency through task automation, and leverages Generative Pre-trained Transformer (GPT) technology to improve natural language processing capabilities. In the IT BFSI market, this suite is expected to elevate customer experiences, streamline operational processes, and signify a significant adoption of advanced AI capabilities, thereby contributing to increased competitiveness and innovation within the sector.
In March 2022, Midpoint Holdings Ltd., a UK-based online international payments platform, acquired Blockchain World Ltd. for an undisclosed amount. This strategic move is intended to enhance Midpoint's consumer-facing platform in the digital asset space by integrating Blockchain World Ltd.'s blockchain technology. Blockchain World Ltd., also based in the UK, specializes in providing blockchain technology solutions for the BFSI (Banking, Financial Services, and Insurance) sector.
Major companies operating in the IT BFSI market include Microsoft Corporation, Amazon Web Services Inc., Intel Corporation, Accenture plc, International Business Machines Corporation, Oracle Corporation, SAP SE, Salesforce Inc., Hewlett Packard Enterprise, Tata Consultancy Services (TCS), Capgemini SE, NTT Data Corporation, Cognizant Technology Solutions Corporation, Infosys Limited, Fiserv Inc., DXC Technology, Atos SE, Wipro Limited, ConsenSys, FIS Global, Broadridge Financial Solutions Inc., Finastra, Genpact Limited, CA Technologies Inc., Akamai Technologies Inc., Mphasis Limited, Bitfury Group Limited, AlphaPoint, Mindtree Limited, Hexaware Technologies Ltd., Tech Mahindra Limited, Persistent Systems Limited, EPAM Systems Inc., Coforge Limited, Zensar Technologies Limited, Virtusa Corporation
North America was the largest region in the IT BFSI market in 2024. The regions covered in the it bfsi market report are Asia-Pacific, Western Europe, Eastern Europe, North America, South America, Middle East, Africa.
The countries covered in the it bfsi market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Russia, South Korea, UK, USA, Canada, Italy, Spain.
The IT BFSI market includes revenues earned by entities by providing services such as hardware support services, software and BPO services, and cloud services. The market value includes the value of related goods sold by the service provider or included within the service offering. Only goods and services traded between entities or sold to end consumers are included.
The market value is defined as the revenues that enterprises gain from the sale of goods and/or services within the specified market and geography through sales, grants, or donations in terms of the currency (in USD, unless otherwise specified).
The revenues for a specified geography are consumption values that are revenues generated by organizations in the specified geography within the market, irrespective of where they are produced. It does not include revenues from resales along the supply chain, either further along the supply chain or as part of other products.
IT BFSI Global Market Report 2025 from The Business Research Company provides strategists, marketers and senior management with the critical information they need to assess the market.
This report focuses on it bfsi market which is experiencing strong growth. The report gives a guide to the trends which will be shaping the market over the next ten years and beyond.
Where is the largest and fastest growing market for it bfsi ? How does the market relate to the overall economy, demography and other similar markets? What forces will shape the market going forward, including technological disruption, regulatory shifts, and changing consumer preferences? The it bfsi market global report from the Business Research Company answers all these questions and many more.
The report covers market characteristics, size and growth, segmentation, regional and country breakdowns, competitive landscape, market shares, trends and strategies for this market. It traces the market's historic and forecast market growth by geography.
The forecasts are made after considering the major factors currently impacting the market. These include the technological advancements such as AI and automation, Russia-Ukraine war, trade tariffs (government-imposed import/export duties), elevated inflation and interest rates.