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市场调查报告书
商品编码
1738628

全球核心银行软体市场规模依部署模式、功能、最终用户、区域覆盖范围和预测划分：

Global Core Banking Software Market Size by Model of Deployment (Cloud-based (SaaS), Hybrid Model), By Functionality (General Ledger, CRM, Regulatory Compliance), By End-User (Private Banks, Credit Unions), By Geographic Scope and Forecast
出版日期: | 出版商: Verified Market Research | 英文 202 Pages | 商品交期: 2-3个工作天内

价格
简介目录

核心银行软体市场规模与预测

2024 年核心银行软体市场规模价值 171.9 亿美元，预计到 2032 年将达到 580.1 亿美元，复合年增长率为 18.11%。

  • 核心银行软体是银行用来高效率运作业务的集中式系统。它简化了帐户管理、交易处理和监管合规等业务，使银行能够轻鬆地在众多分店和数位平台上提供服务。
  • 该程式主要用于即时银行交易处理、客户帐户管理和财务报告。它透过整合行动银行、线上帐户存取和24小时自动提款机等各种银行服务来提升用户体验。
  • 核心银行软体将与人工智慧和区块链等最尖端科技同步发展，这将提高安全性、数据分析能力并提供更个人化的银行体验，而与金融科技解决方案的整合将推动创新并简化银行流程。

全球核心银行软体市场动态

影响全球核心银行软体市场的关键市场动态是：

关键市场驱动因素

  • 业务数位化不断提升：数位银行的快速发展推动了核心银行软体的普及。美国联邦准会宣布，到2024年，76%的美国成年人将使用行动银行应用程序，高于2018年的43%，这迫使银行对其係统进行现代化升级，以提供24小时全天候服务。
  • 监理合规和风险管理需求日益增长：更严格的法律和日益严格的风险管理要求正推动银行采用最新的核心银行技术。国际付款银行预测，到2024年，全球银行的合规成本将达到约2,700亿美元，较2018年成长62%。
  • 云端基础的核心银行解决方案的使用率不断提升：向云端基础的核心银行系统的转变是推动该行业发展的关键驱动力。根据云端安全联盟的报告，到2024年，61%的金融机构将使用云端服务来执行核心银行功能，这一比例高于2019年的32%。

主要问题

  • 与旧有系统整合：许多金融机构难以将其核心银行软体与现有旧有系统集成，导致效率降低。这项挑战通常需要投入大量的时间和资源，因为过时的系统可能无法轻鬆与新技术集成，从而增加了迁移和营运的复杂性。
  • 资料安全和隐私问题：随着数位银行的日益普及，资料安全和隐私问题也日益凸显。银行面临网路攻击的威胁，需要采取强而有力的安全措施来保护敏感的客户资讯。确保遵守《一般资料保护规范》（GDPR）等法规会增加复杂性，需要持续保持警惕并投资新的安全解决方案。
  • 实施和维护成本高昂：实施和维护核心银行软体的成本可能很高，特别是对于中小型金融机构而言，涉及软体许可、硬体更新、员工培训和持续支援等成本。

主要趋势

  • 来自金融科技的竞争日益激烈：传统银行正面临来自金融科技新兴企业的日益激烈的竞争，这些新创公司提供创新的解决方案和更优质的客户体验。这一趋势迫使现有金融机构快速创新，适应不断变化的客户偏好，并精简营运业务，以在竞争激烈的环境中保持市场占有率。
  • 提升顾客体验的需求：顾客渴望获得技术赋能、个人化且顺畅的金融服务。为了满足这些期望，金融机构必须投资于易于使用的介面和专业的解决方案。如果客户体验无法改善，可能会导致客户忠诚度下降和市场占有率流失。
  • 开放银行的兴起：开放银行的兴起有可能鼓励金融机构共用数据，从而挑战现有的银行架构。银行面临整合第三方服务，同时维护资料安全与合规性的挑战。应对这项新生态系统需要对科技进行大量投资，并与金融科技公司合作。

目录

第一章 引言

  • 市场定义
  • 市场区隔
  • 调查方法

第二章执行摘要

  • 主要发现
  • 市场概览
  • 市集亮点

第三章市场概述

  • 市场规模和成长潜力
  • 市场趋势
  • 市场驱动因素
  • 市场限制
  • 市场机会
  • 波特五力分析

第四章。核心银行软体市场（依部署模式）

  • 本地
  • 云端基础的（SaaS）
  • 混合模式

5. 核心银行软体市场（依功能）

  • 帐户管理
  • 交易处理
  • 总分类帐
  • CRM
  • 监理合规

6. 核心银行软体市场（依最终用户）

  • 零售银行
  • 公司银行业务
  • 投资银行
  • 私人银行
  • 信用合作社

第七章区域分析

  • 北美洲
  • 美国
  • 加拿大
  • 墨西哥
  • 欧洲
  • 英国
  • 德国
  • 法国
  • 义大利
  • 亚太地区
  • 中国
  • 日本
  • 印度
  • 澳洲
  • 拉丁美洲
  • 巴西
  • 阿根廷
  • 智利
  • 中东和非洲
  • 南非
  • 沙乌地阿拉伯
  • 阿拉伯聯合大公国

第八章市场动态

  • 市场驱动因素
  • 市场限制
  • 市场机会
  • COVID-19 市场影响

第九章 竞争态势

  • 主要企业
  • 市场占有率分析

第十章 公司简介

  • 甲骨文公司（美国）
  • SAP SE（德国）（SAP S/4HANA 银行）
  • Temenos AG（瑞士）
  • Fiserv, Inc.（美国）（OpenWave）
  • FIS（富达国家资讯服务公司）（美国）
  • 塔塔咨询服务有限公司（印度）
  • Finastra国际有限公司（英国）
  • 印孚瑟斯有限公司（印度）（Finacle）
  • 凯捷顾问公司（法国）
  • 微软公司（美国）

第十一章 市场展望与机会

  • 新兴技术
  • 未来市场趋势
  • 投资机会

第十二章 附录

  • 简称列表
  • 来源和参考文献
简介目录
Product Code: 34362

Core Banking Software Market Size And Forecast

Core Banking Software Market size was valued at USD 17.19 Billion in 2024 and is projected to reach USD 58.01 Billion by 2032 growing at a CAGR of 18.11% from .

  • Core banking software is a centralized system used by banks to run their activities efficiently. It simplifies activities such as account management, transaction processing and regulatory compliance, allowing banks to effortlessly provide services across numerous branches and digital platforms.
  • The program is primarily used for real-time banking transaction processing, customer account management and financial reporting. It improves the user experience by integrating a variety of banking services, such as mobile banking, online account access and automated teller machines, providing 24-hour availability.
  • Core banking software is likely to evolve in tandem with cutting-edge technology such as artificial intelligence and blockchain. This will increase security, data analytics and enable more tailored banking experiences. Furthermore, its connection with fintech solutions will promote innovation and efficiency in banking processes.

Global Core Banking Software Market Dynamics

The key market dynamics that are shaping the global Core Banking Software Market include:

Key Market Drivers:

  • Increasing Digitalization of Banking Services: The rapid shift to digital banking is driving core banking software adoption. The Federal Reserve stated that 76% of American adults utilized mobile banking apps in 2024, up from 43% in 2018, pushing banks to modernize their systems for 24-hour service.
  • Increasing Demand for Regulatory Compliance and Risk Management: Stringent laws and increasing risk management requirements are pushing banks to adopt modern core banking technologies. The Bank for International Settlements projected that worldwide banks spent around $270 billion on compliance in 2024, a 62% increase from 2018.
  • Increasing the Use of Cloud-Based Core Banking Solutions: The transition to cloud-based core banking systems is a key industry driver. According to a Cloud Security Alliance report, 61% of financial institutions use cloud services for core banking functions in 2024, up from 32% in 2019, highlighting scalability and cost-effectiveness.

Key Challenges:

  • Integration With Legacy Systems: Many financial organizations struggle to integrate core banking software with existing legacy systems, reducing efficiency. This difficulty frequently necessitates a large investment of time and resources, as outdated systems may not simply integrate with newer technologies, complicating transitions and operations.
  • Data Security and Privacy Concerns: Concerns about data security and privacy are increasing as digital banking increases. Banks are under increasing threat from cyberattacks, demanding strong security measures to protect critical client information. Ensuring compliance with rules such as GDPR increases complexity, necessitating ongoing vigilance and investment in new security solutions.
  • High Implementation and Maintenance Costs: Implementing and maintaining core banking software can be expensive, especially for smaller institutions. Expenses include software licensing, hardware updates, employee training and continuing support.

Key Trends:

  • Increasing Competition from Fintech: Traditional banks are seeing increasing competition from fintech startups that offer innovative solutions and improved customer experiences. This tendency requires existing institutions to innovate quickly, adapt to changing customer tastes and streamline operations in order to maintain market share in a highly competitive environment.
  • Demand For Enhanced Customer Experiences: Customers demand personalized, frictionless financial services that use technology. To achieve these expectations, financial institutions must invest in easy-to-use interfaces and specialized solutions. Failure to improve customer experiences can result in lower customer loyalty and a loss of market share.
  • Emergence Of Open Banking: The emergence of open banking legislation encourages financial organizations to share data, which has the potential to challenge established banking structures. Banks face the issue of integrating third-party services while maintaining data security and compliance. Adapting To this new ecosystem requires significant investment in technology and collaboration with Fintechs.

Global Core Banking Software Market Regional Analysis

Here is a more detailed regional analysis of the global Core Banking Software Market:

North America:

  • According to Verified Market Research, North America is expected to dominate the global Core Banking Software Market.
  • The rapid adoption of digital banking services in North America has resulted in an increase in the demand for innovative core banking software. The Federal Deposit Insurance Corporation (FDIC) says that 93% of US households used mobile banking apps in 2024, up from 65% in 2018. This drastic transformation drives financial institutions to improve their fundamental technologies, allowing customers to have seamless, omnichannel banking experiences.
  • The growing emphasis on cybersecurity and data protection encourages banks to invest in contemporary core banking technologies with strong security measures. Between 2019 and 2024, the US Financial Crimes Enforcement Network (FinCEN) reported a 75% increase in suspicious activity reports tied to cybercrime.

Asia Pacific:

  • According to Verified Market Research, Asia Pacific is fastest growing region in global Core Banking Software Market.
  • The Asia Pacific area is experiencing tremendous increase in digital banking adoption, driving up need for modern core banking systems. According to the Asian Development Bank (ADB), the number of adults using digital banking services in Southeast Asia increasing from 49% in 2020 to 76% in 2024.
  • This spike requires financial institutions to improve their basic banking infrastructure in order to fulfil rising digital service demand. Concurrently, financial inclusion projects are gaining traction, with governments and institutions focusing on increasing access. According to the World Bank's Global Findex Database, bank account ownership in East Asia and the Pacific has expanded from 70% in 2017 to 84% in 2024, forcing banks to implement scalable core banking solutions for underserved communities.

Global Core Banking Software Market: Segmentation Analysis

The Global Core Banking Software Market is segmented based Model of Deployment, Functionality, End-User and Geography.

Core Banking Software Market, By Model of Deployment

  • On-Premise
  • Cloud-based (SaaS)
  • Hybrid Model

Based on Model of Deployment, the Global Core Banking Software Market is separated into On-Premise, Cloud-based (SaaS), and Hybrid Model. The cloud-based (SaaS) approach currently dominates the global core banking software industry. Scalability, cost-efficiency and ease of updating are among its advantages, which contribute to its appeal. Financial institutions are increasingly using SaaS because of its ability to streamline operations and provide real-time access to banking services across many locations.

Core Banking Software Market, By Functionality

  • Account Management
  • Transaction Processing
  • General Ledger
  • CRM
  • Regulatory Compliance

Based on Functionality, Global Core Banking Software Market is divided into Account Management, Transaction Processing, General Ledger, CRM, and Regulatory Compliance. In the global core banking software industry, transaction processing is the most popular feature. It is crucial for real-time financial operations, allowing banks to handle large volumes of transactions efficiently. With the advent of digital banking and omnichannel services, transaction processing is critical for providing seamless client experiences and operational efficiency.

Core Banking Software Market, By End-User

  • Retail Banks
  • Corporate Banks
  • Investment Banks
  • Private Banks
  • Credit Unions

Based on End-User, Global Core Banking Software Market is divided into Retail Banks, Corporate Banks, Investment Banks, Private Banks, and Credit Unions. Retail banks dominate the worldwide Core Banking Software Market owing to their huge client base and widespread use of digital banking services. Retail banks require strong core banking solutions to manage high transaction volumes, customer accounts and regulatory compliance, creating a significant demand for innovative software to maintain smooth operations and consumer satisfaction.

Core Banking Software Market, By Geography

  • North America
  • Europe
  • Asia Pacific
  • Rest of the World

Based on the Geography, the Global Core Banking Software Market divided into North America, Europe, Asia Pacific and Rest of the World. North America dominates the Core Banking Software Market, owing to its established financial institutions and robust technology infrastructure. In contrast, the Asia-Pacific area is the fastest-growing, driven by rapid digitalization, increasing smartphone penetration and a growing need for new banking products among an extensive population.

Key Players

  • The Global Core Banking Software Market study report will provide valuable insight with an emphasis on the global market. The major players in the market are Capgemini, Finastra, FIS, Fiserv, Inc., HCL Technologies Limited, Infosys Limited, Jack Henry & Associates, Inc., Oracle Corporation, Temenos Group, Unisys.

Our market analysis also entails a section solely dedicated to such major players wherein our analysts provide an insight into the financial statements of all the major players, along with product benchmarking and SWOT analysis. The competitive landscape section also includes key development strategies, market share and market ranking analysis of the above-mentioned players globally.

  • Global Core Banking Software Market Recent Developments
  • In September 2021, SAP SE establishes Fioneer, a joint venture with Dediq GmbH. SAP Fioneer offers innovative solutions to support customers in the rapidly changing insurance and banking industries.
  • In August 2021, WITTY launches Oracle Banking APIs, Oracle FLEXCUBE and banking payments. These are part of the Oracle Banking portfolio, which comprises digital experience, real-time payments and digital core. Applications in business and retail banking.

TABLE OF CONTENTS

1. Introduction

  • Market Definition
  • Market Segmentation
  • Research Methodology

2. Executive Summary

  • Key Findings
  • Market Overview
  • Market Highlights

3. Market Overview

  • Market Size and Growth Potential
  • Market Trends
  • Market Drivers
  • Market Restraints
  • Market Opportunities
  • Porter's Five Forces Analysis

4. Core Banking Software Market, By Model of Deployment

  • On-Premise
  • Cloud-based (SaaS)
  • Hybrid Model

5. Core Banking Software Market, By Functionality

  • Account Management
  • Transaction processing
  • General Ledger
  • CRM
  • Regulatory Compliance

6. Core Banking Software Market, By End User

  • Retail Banks
  • Corporate banks
  • Investment banks
  • Private banks
  • Credit Unions

7. Regional Analysis

  • North America
  • United States
  • Canada
  • Mexico
  • Europe
  • United Kingdom
  • Germany
  • France
  • Italy
  • Asia-Pacific
  • China
  • Japan
  • India
  • Australia
  • Latin America
  • Brazil
  • Argentina
  • Chile
  • Middle East and Africa
  • South Africa
  • Saudi Arabia
  • UAE

8. Market Dynamics

  • Market Drivers
  • Market Restraints
  • Market Opportunities
  • Impact of COVID-19 on the Market

9. Competitive Landscape

  • Key Players
  • Market Share Analysis

10. Company Profiles

  • Oracle Corporation (U.S.)
  • SAP SE (Germany) (SAP S/4HANA Banking)
  • Temenos AG (Switzerland)
  • Fiserv, Inc. (U.S.) (OpenWave)
  • FIS (Fidelity National Information Services) (U.S.)
  • Tata Consultancy Services Limited (India)
  • Finastra International Limited (U.K.)
  • Infosys Limited (India) (Finacle)
  • Capgemini SE (France)
  • Microsoft Corporation (U.S.)

11. Market Outlook and Opportunities

  • Emerging Technologies
  • Future Market Trends
  • Investment Opportunities

12. Appendix

  • List of Abbreviations
  • Sources and References