金融云市场：现况分析与预测（2024-2032）

Finance Cloud Market: Current Analysis and Forecast (2024-2032)

出版日期: 2024年05月01日 | 出版商:

UnivDatos Market Insights Pvt Ltd | 英文 137 Pages | 商品交期: 最快1-2个工作天内

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简介目录

由于银行和金融服务数位化的进步，金融云市场预计将以约15.30%的复合年增长率成长。全球金融服务业对云端的解决方案和服务的需求正在经历前所未有的激增。随着数位化不断改变金融格局，越来越多的金融机构正在采用云端来简化营运、增强可扩展性并优化成本结构。此外，不断变化的金融业需要敏捷性和可扩展性，而云端解决方案完全可以满足这些要求。传统的本地系统通常难以跟上快速变化的市场环境、监管要求和客户期望。基于云端的解决方案使金融机构能够无缝地增加或减少资源，从而使他们能够快速响应需求波动，而无需进行大量资本投资。此外，云端运算模型透过实现 IT 成本优化为金融机构提供了有吸引力的价值主张。云端解决方案无需投资昂贵的硬体、软体和维护，而是提供依需付费模式，让金融机构只需为其消耗的资源付费。这种经济高效的方法对中小型金融机构和新创公司特别有吸引力，它们无需大量前期投资即可获得企业级解决方案。此外，金融服务业会产生大量数据，而基于云端的解决方案提供了有效利用这些数据所需的基础设施和工具。基于云端的分析平台为金融机构提供了有关客户行为、市场趋势和风险管理的宝贵见解，使他们能够做出数据驱动的决策并开发创新产品和服务。这些进步为各市场采用金融云创造了有利的环境。

解决方案分为财务预测、财务报告/分析、安全性和治理/风险/合规性。安全性和治理、风险和合规性是金融云端产业中关键的最终用户领域。它主要是由确保遵守监管框架的需要所驱动的。金融机构受到巴塞尔协议 III 框架、多德弗兰克法案和一般资料保护规范 (GDPR) 等严格法规的约束。不遵守这些规定可能会导致巨额罚款、声誉受损和法律后果。此外，金融部门也是资料外洩、网路钓鱼诈骗和勒索软体攻击等网路攻击的热门目标。这些威胁会导致财务损失、业务中断和客户信任丧失。 GRC 解决方案提供强大的安全功能，例如加密、存取控制和入侵侦测系统，以保护敏感的财务资料和系统。 GRC 解决方案透过提供流程自动化、控制监控和即时报告功能来帮助组织保持合规性。金融机构也面临多种风险，包括信用风险、市场风险、操作风险、声誉风险等。有效的风险管理对于维持财务稳定和做出明智的业务决策至关重要。 GRC 解决方案提供风险评估工具、风险建模功能和即时风险监控，以识别、分析和减轻潜在风险。

依服务划分，市场分为专业服务及託管服务。金融服务业正在迅速采用云端运算解决方案来推动创新、降低成本并提高效率。在金融云端市场中，专业服务产生的收入最高，超过了託管服务和其他服务。专业服务包括广泛的咨询、实施、整合和咨询服务，旨在帮助金融机构有效利用云端技术。这些服务对于组织应对复杂的云端迁移、合规性、安全性和数位转型至关重要。这些因素创造了有利的环境并影响金融云在全球各市场的采用。

依应用程式划分，市场分为收入管理、资产管理、客户管理及帐户管理。客户关係管理 (CRM) 已成为金融云市场的关键最终用户部分。这主要是由集中管理消费者资料的需求所驱动的。金融机构处理大量客户数据，包括个人资讯、帐户详细资讯、交易历史和偏好。云端 CRM 解决方案可让企业集中储存和存取这些数据，从而促进更好的客户服务、交叉销售和追加销售机会。此外，基于云端的 CRM 系统允许金融机构跨多个管道（包括分支机构、线上入口网站和行动应用程式）提供一致且个人化的体验。透过分析客户资料和行为，CRM 解决方案可以提供适合个人需求的产品和服务，从而提高客户满意度和忠诚度。此外，云端运算提供了可扩展性和灵活性，使金融机构能够快速回应不断变化的客户需求和市场条件。云端上的 CRM 解决方案不需要在硬体或基础设施方面进行大量前期投资，并且可以根据组织的需求轻鬆扩展或缩小。这种环境正在推动基于云端的客户关係管理服务的激增。

依最终用户划分，市场分为银行、金融服务提供者、保险公司、大型企业和中小企业 (SME)。金融业的中小企业作为快速采用金融云端服务的细分市场脱颖而出。推动中小□□企业采用金融云端服务的主要因素之一是成本效率。使用云端服务无需在 IT 基础设施和维护成本方面进行大量前期投资。中小型企业可以利用即用即付的定价模式来降低整体 IT 支出。此外，云端服务提供者在安全措施方面投入巨资，以保护您的资料并确保遵守行业法规。中小型企业可以从先进的安全功能中受益，而这些功能如果自行实施，成本高昂。此外，云端服务还提供强大的灾难復原解决方案，以确保在发生不可预见事件时的资料备份和业务连续性。此功能对于投资全面灾难復原计画的资源有限的小型企业尤其重要。除其他活动外，活跃于金融业的中小企业越来越多地采用基于云端的服务。

为了更瞭解金融云的市场采用情况，我们将市场分为北美（美国、加拿大、北美其他地区）、欧洲（德国、英国、法国、义大利、欧洲其他地区）、亚太地区（中国）、日本，根据印度、韩国、世界其他地区（亚太地区）和世界其他地区的全球影响力进行分析。欧洲在金融云产业中占有最大占有率。欧洲在金融云市场占据领先地位的主要因素之一是其发达的金融监管环境，这促使了该行业前所未有的成长和云端服务的快速采用。例如，2017年在欧洲推出的欧盟（EU）支付服务指令2（PSD2）透过允许第三方透过开放银行API存取银行资料来加强电子支付服务，在规范和促进创新方面发挥着至关重要的作用。以及金融领域的竞争。此外，欧洲在金融科技公司、传统银行和监管机构之间建立了协作生态系统，为该地区的金融服务提供者的云端迁移创造了非常有利的环境。例如，新银行服务提供者与传统银行之间的合作伙伴关係使这些纯数位银行能够迅速扩张并迅速扩大其消费者基础。例如，总部位于英国的 Neobank Revolt 与HSBC等传统银行之间的合作标誌着欧洲金融领域向合作关係的转变。此外，欧洲对数位创新的高度文化接受度也是金融服务供应商转向云端的主要推动力。例如，总部位于德国的新银行 N26 报告了欧洲约 700 万人消费者基础的成长率，突显了该地区对新银行的文化接受度。这些因素是主要推动力，使欧洲成为银行业数位化最先进的领先地区之一，促使该地区金融云端服务需求激增。

参与市场的主要公司包括 Amazon Web Services, Inc.、Microsoft、Alphabet、IBM、Tencent Cloud、Salesforce, Inc.、Oracle、Alibaba Cloud、Workday, Inc.、SAP。

The finance cloud market refers to the use of cloud computing solutions tailored specifically for the financial services sector. This market involves the adoption of cloud-based technologies by banks, financial institutions, and insurance companies to enhance their operations and services. The finance cloud market offers benefits such as rapid digitalization, corporate agility, on-demand innovation, and a secure environment for handling sensitive financial data. It enables organizations to access scalable and cost-effective IT resources, streamline processes, improve customer service, and drive innovation within the financial industry.

The Finance Cloud Market is expected to grow at a strong CAGR of around 15.30% owing to the growing digitalization of banking and financial services. The global financial services industry is witnessing an unprecedented surge in the demand for cloud-based solutions and services. As digitalization continues to reshape the financial landscape, an increasing number of institutions are embracing the cloud to streamline operations, enhance scalability, and optimize cost structures. Furthermore, the ever-changing financial landscape demands agility and scalability, which cloud solutions offer in abundance. Traditional on-premises systems often struggle to keep pace with rapidly evolving market conditions, regulatory requirements, and customer expectations. Cloud-based solutions allow financial institutions to scale their resources up or down seamlessly, ensuring they can adapt swiftly to fluctuating demands without incurring significant capital expenditures. Moreover, the cloud computing model presents a compelling value proposition for financial institutions by enabling them to optimize their IT costs. Instead of investing in expensive hardware, software, and maintenance, cloud solutions offer a pay-as-you-go pricing model, allowing institutions to pay only for the resources they consume. This cost-effective approach is particularly attractive for small and medium-sized financial firms, as well as startups, enabling them to access enterprise-grade solutions without the need for substantial upfront investments. Additionally, the financial services industry generates vast amounts of data, and cloud-based solutions provide the infrastructure and tools necessary to harness this data effectively. By leveraging cloud-based analytics platforms, financial institutions can gain valuable insights into customer behavior, market trends, and risk management, enabling them to make data-driven decisions and develop innovative products and services. These advances along with others are creating a favorable environment for the adoption of finance cloud across various markets.

Based on the solution, the market is categorized into financial forecasting, financial reporting and analysis, security, and governance risk and compliance. The security and governance risk and compliance stand out as a predominant end-user segment for the finance cloud in the industry. Primarily driven by the need to ensure compliance with regulatory framework. Financial institutions are subject to stringent regulations, such as the Basel III framework, the Dodd-Frank Act, and the General Data Protection Regulation (GDPR). Failure to comply with these regulations can result in hefty fines, reputational damage, and legal implications. Furthermore, the financial sector is a prime target for cyber-attacks, including data breaches, phishing scams, and ransomware attacks. These threats can lead to financial losses, disruption of operations, and erosion of customer trust. GRC solutions offer robust security features, such as encryption, access controls, and intrusion detection systems, to protect sensitive financial data and systems. GRC solutions help organizations maintain compliance by automating processes, monitoring controls, and providing real-time reporting capabilities. Additionally, Financial institutions face various risks, including credit risk, market risk, operational risk, and reputational risk. Effective risk management is crucial for maintaining financial stability and making informed business decisions. GRC solutions provide risk assessment tools, risk modeling capabilities, and real-time risk monitoring to identify, analyze, and mitigate potential risks.

Based on the services, the market is bifurcated into professional services and managed services. The financial services industry has been rapidly adopting cloud computing solutions to drive innovation, reduce costs, and improve efficiency. Within the financial cloud market, the professional services segment generates the highest revenue, outpacing managed services and other offerings. Professional services encompass a wide range of consulting, implementation, integration, and advisory services tailored to help financial institutions leverage cloud technologies effectively. These services are crucial for organizations navigating the complex landscape of cloud migration, compliance, security, and digital transformation. Factors such as these are creating a favorable environment, influencing the adoption of financial cloud across various markets globally.

Based on application, the market is segmented into revenue management, wealth management, customer management, and account management. Customer relationship management (CRM) has established itself as a major end-user segment for the financial cloud market. Primarily driven by the need for centralizing consumer data. Financial institutions deal with a massive amount of customer data, including personal information, account details, transaction history, and preferences. CRM solutions in the cloud enable organizations to store and access this data from a centralized location, facilitating better customer service, cross-selling, and up-selling opportunities. Furthermore, cloud-based CRM systems allow financial institutions to provide a consistent and personalized experience across multiple channels, such as branch offices, online portals, and mobile apps. By analyzing customer data and behavior, CRM solutions can help tailor products and services to individual needs, enhancing customer satisfaction and loyalty. Additionally, cloud computing offers scalability and flexibility, allowing financial institutions to quickly adapt to changing customer demands and market conditions. CRM solutions in the cloud can be easily scaled up or down based on the organization's needs, without the need for substantial upfront investments in hardware and infrastructure. Factors such as these are fostering a conducive environment, driving the widespread adoption of cloud-based services for customer relationship management.

Based on end-users, the market is segmented into banks, financial service providers, insurance companies, large enterprises, and small and medium enterprises (SMEs). The SMEs in the financial industry stand out as the segment adopting financial cloud services rapidly. One of the primary factors driving the adoption of financial cloud services among SMEs is cost efficiency. Cloud services eliminate the need for significant upfront investments in IT infrastructure and maintenance costs. SMEs can leverage pay-as-you-go pricing models, reducing their overall IT expenses. Furthermore, Cloud service providers invest heavily in security measures to protect data and ensure compliance with industry regulations. SMEs can benefit from advanced security features that may be cost-prohibitive to implement in-house. Additionally, cloud services offer robust disaster recovery solutions, ensuring data backups and continuity of operations in the event of unforeseen disruptions. This feature is particularly crucial for SMEs with limited resources to invest in comprehensive disaster recovery plans. These developments along with others are driving the adoption of cloud-based services among the SMEs active in the financial industry.

For a better understanding of the market adoption of finance cloud, the market is analyzed based on its worldwide presence in countries such as North America (The U.S., Canada, and the Rest of North America), Europe (Germany, The U.K., France, Italy, Rest of Europe), Asia-Pacific (China, Japan, India, South Korea, Rest of Asia-Pacific), Rest of World. Europe holds the largest share of the finance cloud industry. One of the key factors contributing to this leadership position of Europe in the finance cloud market is its conducive financial regulatory environment helping the industry to thrive at an unprecedented rate, leading to the rapid adoption of cloud services. For instance, the European Union's Payment Services Directive 2 (PSD2) launched in 2017 in Europe, has played a pivotal role in fostering innovation and competition in the financial sector by enhancing and regulating electronic payment services by allowing third-party access to banking data through open banking APIs. Furthermore, the collaborative ecosystem in Europe amongst fintech, traditional banks, and regulatory bodies has laid down a very favorable environment for the cloud migration of financial services providers in the region. For instance, the partnership between the neo-banking services providers and the traditional banks has enabled these digital-only banks to expand fast and grow their consumer base at a rapid rate. For instance, the partnerships between UK-based neo-bank Revolut and traditional banks like HSBC, signal a shift towards collaboration in the European financial sector. Moreover, the high cultural acceptance of digital innovation in Europe has played a major driving force, in initiating the cloud migration of financial service providers. For instance, the rate at which a German-based neo-bank named N26 has reported its growth numbers regarding its consumer base, of about 7 million consumers across Europe underscores the cultural acceptance of neo-banking in the region. Factors like these have played a major driving force, making Europe one of the dominant regions where the digitalization of the banking industry has flourished the most, further leading to a surge in demand for finance cloud services in the region.

Some of the major players operating in the market include Amazon Web Services, Inc; Microsoft; Alphabet; IBM; Tencent Cloud; Salesforce, Inc; Oracle; Alibaba Cloud; Workday, Inc.; and SAP.

1.MARKET INTRODUCTION

1.1. Market Definitions
1.2. Main Objective
1.3. Stakeholders
1.4. Limitation

2.RESEARCH METHODOLOGY OR ASSUMPTION

2.1. Research Process of the Finance Cloud Market
2.2. Research Methodology of the Finance Cloud Market
2.3. Respondent Profile

3.MARKET SYNOPSIS

4.EXECUTIVE SUMMARY

5.IMPACT OF COVID-19 ON THE FINANCE CLOUD MARKET

6.FINANCE CLOUD MARKET REVENUE (USD BN), 2022-2032F.

7.MARKET INSIGHTS BY SOLUTION

7.1. Financial Forecasting
7.2. Financial Reporting & Analysis
7.3. Security
7.4. Governance, Risk & Compliance

8.MARKET INSIGHTS BY SERVICES

8.1. Professional Services
8.2. Managed Services

9.MARKET INSIGHTS BY APPLICATION

9.1. Revenue Management
9.2. Wealth Management
9.3. Customer Management
9.4. Account Management

10.MARKET INSIGHTS BY END-USERS

10.1. Banks
10.2. Financial Service Providers
10.3. Insurance Companies
10.4. Large Enterprises
10.5. Small and Medium Enterprises (SMEs)

11.MARKET INSIGHTS BY REGION

11.1. North America
- 11.1.1. The U.S.
- 11.1.2. Canada
- 11.1.3. Rest of North America
11.2. Europe
- 11.2.1. Germany
- 11.2.2. The U.K.
- 11.2.3. France
- 11.2.4. Italy
- 11.2.5. Rest of Europe
11.3. Asia-Pacific
- 11.3.1. China
- 11.3.2. India
- 11.3.3. Japan
- 11.3.4. South Korea
- 11.3.5. Rest of Asia-Pacific
11.4. Rest of the World