全球数位银行平台市场：按模式、部署、组件、类型、地区、范围和预测

数位银行平台市场规模及预测

2024 年数位银行平台市场规模价值 290.4 亿美元，预计到 2032 年将达到 1,040.4 亿美元，2026 年至 2032 年的复合年增长率为 17.29%。

数位银行平台是一种综合软体解决方案，旨在透过行动应用程式、网站、线上入口网站等数位管道提供银行服务。它将帐户管理、交易处理、贷款申请和投资服务等各种金融功能整合到统一的介面中。

这些平台利用云端处理、人工智慧和数据分析等技术来改善用户体验、简化业务并提供个人化的金融解决方案。

在应用方面，银行和金融机构使用数位银行平台为客户提供无缝且有效率的服务。数位银行平台不仅支援查询帐户余额、转帐和支付帐单等日常银行业务，还支援财富管理和财务规划等更复杂的功能。

平台通常包括即时通知、诈欺侦测和透过聊天机器人提供的自动客户支援等高级功能，从而提高了用户的可访问性和便利性。

数位银行平台的全球市场动态

关键市场驱动因素

消费者对便利性的需求日益增长：消费者对行动银行解决方案的偏好日益增长，这推动了对数位银行平台的需求。客户希望随时随地、方便地存取银行帐户服务，这促使银行投资于全面的数位解决方案。美国联邦存款保险公司 (FDIC) 在其 2023 年全国银行帐户和银行帐户不足家庭调查（于 2024 年 2 月发布）中报告称，95% 拥有银行帐户帐户的家庭使用手机或网上银行作为访问帐户的主要方式（高于 2021 年的 89%）。

成本效益：数位银行平台透过自动化日常流程并减少对实体分行的需求，为银行节省了显着的成本。这种效率促使更多金融机构采用数位解决方案来降低业务成本。例如，美国银行于2024年2月宣布，上年度关闭了250分店。该银行报告称，其72%的客户透过数位管道开展大部分银行业务。

监管支持：良好的法规环境和政府推动金融业数位转型的倡议，正在促进市场成长。促进创新和保护消费者的政策有助于为数位银行平台建立支持性框架。消费者金融保护局 (CFPB) 于 2024 年 1 月发布了《数位银行消费者保护框架》，概述了安全、公平的数位银行实践原则。

扩大金融普惠：数位银行平台改善了服务匮乏和偏远地区人口的金融服务可近性。透过行动和线上管道提供便利的银行服务，这些平台有助于缩小金融普惠方面的差距。例如，富国银行于2024年2月启动了「数位存取」计划，旨在为服务匮乏的社区提供简化、低成本的数位银行服务，目标是到2026年为银行系统带来100万新客户。

主要挑战

网路安全威胁：数位银行平台处理敏感的金融数据，使其成为网路攻击的理想目标。强大的安全措施需要持续的投资和专业知识，以防范违规和诈欺。

技术整合：将新的数位银行解决方案与遗留系统整合可能很困难且耗费资源，从而扰乱业务并增加业务效率低下的风险。

消费者信任：赢得并维护消费者信任至关重要。糟糕的使用者体验和资料外洩等问题会削弱信任，影响客户维繫和平台采用率。

市场竞争：数位银行领域竞争激烈，众多参与者争夺市场占有率。保持领先地位需要不断创新和差异化，这可能会消耗大量资源并影响盈利。

主要趋势

整合人工智慧与自动化：数位银行平台正越来越多地利用人工智慧和自动化来改善客户服务、简化业务并提供个人化金融咨询，从而提高效率和用户体验。根据美国美国监督署 (OCC) 2023 年 12 月发布的《半年度风险展望报告》，85% 的国家银行已在其数位银行平台中实施了某种形式的人工智慧或机器学习，高于 2022 年的 67%。

行动优先策略：随着行动装置使用率的不断提高，行动优先银行解决方案正日益受到青睐，各大平台不断优化服务，以服务精通科技的消费者，并提升用户参与度。例如，美国银行于2024年4月宣布，其行动应用程式用户已超过5,000万，行动端目前占数位银行总使用量的76%。该银行还推出了“行动银行VR”，为高级行动用户提供虚拟实境银行体验。

区块链和加密货币：区块链技术和加密货币在数位银行领域的应用正在蓬勃发展。这些技术创新有望提高交易和记录保存的安全性、透明度和效率。例如，2024年1月，摩根大通将其基于区块链的银行间资讯网路扩展到全球500多家银行，从而促进了更快捷、更安全的跨国交易。

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。按模式分類的数位银行平台市场

• 网路银行
• 行动银行

第五章数位银行平台市场（依部署模式）

• 本地
• 云端基础

6. 数位银行平台市场（按组件）

• 平台
• 服务

第六章 数位银行平台市场（按类型）

• 零售银行
• 公司银行业务
• 投资银行

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

• Alkami
• Apiture
• Fiserv
• nCino
• Oracle Corp,
• TCS（Tata Consultancy Services）（India）
• SAP（Germany）
• Velmie
• Backbase（Netherlands）
• Oracle（US）（with Oracle Cloud）
• AWS（Amazon Web Services）（US）
• BNY Mellon,
• EdgeVerve
• ebankIT
• Intellect Design Arena
• Temenos
• Technisys

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

Digital Banking Platform Market Size And Forecast

Digital Banking Platform Market size was valued at USD 29.04 Billion in 2024 and is projected to reach USD 104.04 Billion by 2032, growing at a CAGR of 17.29% from 2026 to 2032.

A digital banking platform is a comprehensive software solution designed to provide banking services through digital channels, such as mobile apps, websites, and online portals. It integrates various financial functions including account management, transaction processing, loan applications, and investment services into a unified interface.

These platforms leverage technologies like cloud computing, artificial intelligence, and data analytics to enhance user experience, streamline operations, and offer personalized financial solutions.

In terms of application, digital banking platforms are used by banks and financial institutions to deliver seamless and efficient services to their customers. They support everyday banking activities such as checking account balances, transferring funds, and paying bills, while also enabling more complex functions like wealth management and financial planning.

The platforms often include advanced features such as real-time notifications, fraud detection, and automated customer support through chatbots, improving accessibility and convenience for users.

Global Digital Banking Platform Market Dynamics

The key market dynamics that are shaping the global digital banking platform market include:

Key Market Drivers

Rising Consumer Demand for Convenience: Increasing consumer preference for on-the-go banking solutions fuels the demand for digital banking platforms. Customers seek the convenience of accessing financial services anytime, anywhere, which drives banks to invest in comprehensive digital solutions. The Federal Deposit Insurance Corporation (FDIC) reported in its 2023 National Survey of Unbanked and Underbanked Households (published February 2024) that 95% of banked households used mobile or online banking as their primary method of account access, compared to 89% in 2021.

Cost Efficiency: Digital banking platforms offer banks significant cost savings by automating routine processes and reducing the need for physical branches. This efficiency encourages more financial institutions to adopt digital solutions as a means to lower operational costs. For instance, Bank of America announced in February 2024 that it had closed 250 branches in the previous year, citing increased digital adoption as a primary factor. The bank reported that 72% of its customers were now using digital channels for the majority of their banking needs.

Regulatory Support: Favorable regulatory environments and government initiatives promoting digital transformation in the financial sector contribute to market growth. Policies that facilitate innovation and protect consumers help create a supportive framework for digital banking platforms. The Consumer Financial Protection Bureau (CFPB) released its "Digital Banking Consumer Protection Framework" in January 2024, outlining principles for secure and fair digital banking practices.

Increased Financial Inclusion: Digital banking platforms enhance access to financial services for underserved and remote populations. By providing easy access to banking services through mobile and online channels, these platforms help bridge gaps in financial inclusion. For instance, in February 2024, Wells Fargo launched its "Digital Access" program, aimed at providing simplified, low-cost digital banking services to underserved communities, with a goal of bringing 1 million new customers into the banking system by 2026.

Key Challenges:

Cybersecurity Threats: As digital banking platforms handle sensitive financial data, they are prime targets for cyberattacks. Ensuring robust security measures requires continuous investment and expertise to protect against breaches and fraud.

Technological Integration: Integrating new digital banking solutions with legacy systems can be challenging and resource-intensive, potentially causing disruptions and increasing the risk of operational inefficiencies.

Consumer Trust: Gaining and maintaining consumer trust is crucial. Issues such as poor user experience or data breaches can undermine confidence, impacting customer retention and platform adoption.

Market Competition: The digital banking space is highly competitive, with numerous players vying for market share. Staying ahead requires constant innovation and differentiation, which can strain resources and affect profitability.

Key Trends

AI and Automation Integration: Digital banking platforms are increasingly leveraging artificial intelligence and automation to enhance customer service, streamline operations, and provide personalized financial advice, improving efficiency and user experience. According to the U.S. Office of the Comptroller of the Currency (OCC) in its Semiannual Risk Perspective report published in December 2023, 85% of national banks had implemented some form of AI or machine learning in their digital banking platforms, up from 67% in 2022.

Mobile-First Strategy: Mobile-first banking solutions are gaining prominence due to the rise in mobile device usage, as platforms optimize services for tech-savvy consumers and enhance engagement. For instance, in April 2024, Bank of America announced that its mobile app users had surpassed 50 million, with mobile interactions accounting for 76% of all digital banking engagements. The bank also introduced "Mobile Banking VR," a virtual reality banking experience for advanced mobile users.

Blockchain and Cryptocurrencies: The adoption of blockchain technology and cryptocurrencies is gaining momentum in digital banking. These innovations promise greater security, transparency, and efficiency in transactions and record-keeping. For instance, in January 2024, JPMorgan Chase expanded its blockchain-based Interbank Information Network to include over 500 banks globally, facilitating faster and more secure cross-border transactions.

Global Digital Banking Platform Market Regional Analysis

Here is a more detailed regional analysis of the global digital banking platform market:

North America

North America continues to dominate the digital banking platform market due to its advanced technological infrastructure and high adoption rates of digital solutions. As one of the most developed regions in terms of financial technology, North America benefits from a robust digital ecosystem that supports the growth and innovation of banking platforms.

One major driver is the increasing digital adoption among consumers and businesses in the region. According to the Federal Reserve's 2023 report, over 80% of U.S. adults use online banking services regularly, reflecting a strong preference for digital financial solutions.

Additionally, the U.S. Census Bureau reported in 2022 that financial technology investments in North America reached approximately USD 40 Billion, underscoring the significant capital flow into the sector which fuels market growth.

Asia Pacific

The Asia Pacific region is experiencing rapid growth in the digital banking platform market, driven by a surge in technological adoption and expanding internet connectivity. With its diverse and rapidly developing economies, the region presents a dynamic landscape for digital banking innovations, positioning itself as a key player in the global market.

A significant driver of this growth is the increasing smartphone penetration and internet access. According to the Asia-Pacific Economic Cooperation (APEC) report from 2023, over 70% of the population in major Asia Pacific markets now uses smartphones, facilitating easier access to digital banking services.

Additionally, the International Data Corporation (IDC) reported in 2023 that digital banking investments in the region surged by 35% year-over-year, reflecting strong economic support and consumer demand for advanced financial technologies.

Global Digital Banking Platform Market: Segmentation Analysis

The Digital Banking Platform Market is segmented based on Mode, Deployment, Component, Type, and Geography.

Digital Banking Platform Market, By Mode

• Online Banking
• Mobile Banking

Based on the Mode, the Global Digital Banking Platform Market is segmented into Online Banking and Mobile Banking. In the digital banking platform market, Online Banking is currently the dominant segment due to its established infrastructure and broad adoption among traditional banking users. However, Mobile Banking is the rapidly growing segment, driven by the increasing use of smartphones and mobile apps. With a rise in mobile-first banking experiences and advancements in mobile technology, the demand for mobile banking solutions is expanding quickly, outpacing the growth rate of online banking.

Digital Banking Platform Market, By Deployment

• On-premise
• Cloud

Based on Deployment, the Global Digital Banking Platform Market is segmented into On-premise and Cloud. In the digital banking platform market, the cloud deployment segment is rapidly growing due to its scalability, flexibility, and cost-efficiency, which appeal to financial institutions looking to innovate and manage resources more effectively. Conversely, On-premise deployment remains dominant, particularly among established banks with significant investments in legacy systems and a preference for maintaining control over their IT infrastructure. However, the shift towards cloud solutions is accelerating as banks seek to leverage modern technologies and reduce operational costs.

Digital Banking Platform Market, By Component

• Platforms
• Services

Based on Component, the Global Digital Banking Platform Market is divided into Platforms and Services. In the digital banking platform market, platforms are currently the dominating segment due to their comprehensive capabilities in providing a full range of banking services, from transaction processing to customer management. However, the services segment is rapidly growing, driven by the increasing demand for value-added services such as consulting, integration, and support. As banks focus on enhancing their digital capabilities and adapting to new technologies, the need for specialized services to support and optimize these platforms is expanding significantly.

Digital Banking Platform Market, By Type

• Retail Banking
• Corporate Banking
• Investment Banking

Based on Type, the Global Digital Banking Platform Market is divided into Retail Banking, Corporate Banking, and Investment Banking. In the digital banking platform market, Retail banking is the dominating segment, reflecting its broad customer base and high transaction volumes that drive significant demand for digital solutions. Meanwhile, corporate banking is the rapidly growing segment, as businesses increasingly seek advanced digital tools for managing complex transactions, risk, and financial planning. The shift towards digitalization in corporate banking is fueled by the need for efficiency and real-time access to financial data, positioning it as a key area of expansion.

Digital Banking Platform Market, By Geography

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

Based on Geography, the Global Digital Banking Platform Market is classified into North America, Europe, Asia Pacific, and the Rest of the World. In the digital banking platform market, North America is the dominating region due to its advanced technological infrastructure, high digital adoption rates, and significant investments in financial technology. However, Asia Pacific is the rapidly growing segment, driven by a surge in smartphone usage, expanding internet access, and increasing demand for digital financial services across diverse economies. The region's dynamic growth is fueled by both emerging markets and rapidly evolving technology landscapes, positioning it as a major driver of future market expansion.

Key Players

The "Global Digital Banking Platform Market" study report will provide valuable insight with an emphasis on the global market. The major players in the market are Alkami, Apiture, Fiserv, nCino, Oracle Corp, TCS, Velmie, Appway, Backbase, BNY Mellon, CR2, Finastra, Mambu, NETinfo, SAP SE, Sopra Banking Software, Temenos, EdgeVerve, ebankIT, Intellect Design Arena, and Technisys.

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 its 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 Digital Banking Platform Market Key Developments

• In August 2023, Finastra introduced a new suite of digital banking solutions focusing on open banking and API integration. The suite aims to enable financial institutions to offer more innovative and flexible services, enhance customer experience, and drive operational efficiency.
• In October 2023, Bank of America launched a new mobile banking app with advanced digital tools such as voice-activated banking and predictive analytics to help users manage their finances more effectively and access personalized financial advice.

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. Digital Banking Platform Market, By Mode

• Online Banking
• Mobile Banking

5. Digital Banking Platform Market, By Deployment Model

• On-Premises
• Cloud-Based

6. Digital Banking Platform Market, By Component

• Platforms
• Services

6. Digital Banking Platform Market, By Type

• Retail Banking
• Corporate Banking
• Investment Banking

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

• Alkami
• Apiture
• Fiserv
• nCino
• Oracle Corp,
• TCS (Tata Consultancy Services) (India)
• SAP (Germany)
• Velmie
• Backbase (Netherlands)
• Oracle (US) (with Oracle Cloud)
• AWS (Amazon Web Services) (US)
• BNY Mellon,
• EdgeVerve
• ebankIT
• Intellect Design Arena
• Temenos
• Technisys

11. Market Outlook and Opportunities

• Emerging Technologies
• Future Market Trends
• Investment Opportunities

12. Appendix

• List of Abbreviations
• Sources and References