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市场调查报告书
商品编码
1845865
全球银行即服务 (BaaS) 市场规模(按类型、公司规模、最终用户、区域覆盖范围和预测)Global Banking-as-a-Service (BaaS) Market Size By Type (Cloud-based, API-based), By Enterprise Size (Large Enterprises, Small & Medium Enterprises (SMEs)), By End-user (Banks, Fintech Corporations), By Geographic Scope And Forecast |
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预计 2024 年银行即服务 (BaaS) 市场规模将达到 8,471 亿美元,到 2031 年将达到 6,8357.7 亿美元,2024 年至 2031 年的复合年增长率为 32.9%。
银行即服务 (BaaS) 是经营模式,它使非银行公司能够使用应用程式介面 (API) 提供银行产品和服务,而无需银行执照。
这种模式允许零售商和金融科技等企业将支付处理、贷款和数位银行等金融服务直接嵌入到他们的平台中,从而提高用户参与度并加快消费者旅程。
影响银行即服务(BaaS)市场的关键市场动态包括:
数位银行应用日益普及:快速向数位银行转型是 BaaS 市场发展的关键驱动力。根据 Verified Market Research 的数据,全球数位银行用户数量预计将从 2021 年的 27 亿增加到 2024 年的 40 亿,短短三年内增加了 44%。对便利、全天候银行服务的需求日益增长,促使金融机构和非银行机构纷纷利用 BaaS 系统提升其数位服务。
金融科技投资成长:金融科技投资的激增正在推动 BaaS 市场的成长。 2021 年,全球金融科技资金筹措增至 915 亿美元,几乎是前一年 472 亿美元的两倍。资金筹措的大幅成长将使更多公司能够透过 BaaS 解决方案将金融服务整合到其产品中,从而刺激市场扩张和创新。
嵌入式是 BaaS 市场的主要驱动力。根据 Lightyear Capital 的报告,美国嵌入式金融市场预计将以惊人的 922% 成长,从 2020 年的 225 亿美元增加到 2025 年的 2,300 亿美元。这一快速发展的动力源于非金融公司将金融服务嵌入其产品,这为 BaaS 提供者为这些嵌入式金融解决方案提供支援开闢了新的可能性。
主要挑战
BaaS 服务提供者面临的高风险:BaaS 提供者处理敏感的财务讯息,使其成为网路攻击的理想目标。这些攻击的频率和复杂性日益增加,导致了严重的安全漏洞,造成了财务损失和声誉损害。这种巨大的风险敞口阻碍了潜在客户采用 BaaS 解决方案,因为公司优先考虑金融交易和客户资料的安全性,而不是整合新服务的好处。
高昂的实施成本:企业,尤其是资金有限的中小型企业,在采用 BaaS 系统时面临高昂的成本。技术基础设施、整合和合规性所需的初始投入构成了巨大的障碍。此外,持续的维护和更新成本也会对预算造成压力,儘管 BaaS 模式具有潜在的优势,但企业仍难以找到合理的解决方案。
主要趋势:
嵌入式金融与银行业务:BaaS 正在推动嵌入式金融的兴起,它将金融服务无缝整合到非金融平台中。这使得企业能够直接向客户提供帐户、贷款和支付等金融产品,进而提升用户体验。随着消费者(尤其是千禧世代和 Z 世代)对嵌入式银行业务的需求不断增长,BaaS 的采用率可能会有所提升。
银行与金融科技合作:传统银行正在与金融科技公司合作,利用 BaaS 系统和 API。这种合作关係使银行能够升级其基础设施,快速推出数位服务,并触达新的消费群体。同时,金融科技公司无需自行建置基础设施即可获得受监管的银行服务。这些策略合作关係正在改变金融服务业,并推动 BaaS 市场向前发展。
监管变化与开放银行:不断变化的监管法规,例如欧洲的PSD2以及其他国家类似的倡议,正迫使银行透过API开放其係统。这种开放银行平台是BaaS的关键推动因素,因为它允许第三方提供者存取消费者资料并创建新服务。随着越来越多的国家实施开放银行法律,BaaS市场将继续成长,其中亚太地区可能成为成长最快的地区。
Banking-as-a-Service (BaaS) Market size was valued at USD 847.1 Billion in 2024 and is projected to reach USD 6835.77 Billion by 2031, growing at a CAGR of 32.9% from 2024 to 2031.
Banking-as-a-Service (BaaS) is a business model that allows non-banking companies to provide banking goods and services using application programming interfaces (APIs) without requiring a banking license.
This model enables businesses, such as retailers or fintech firms, to incorporate financial services like payment processing, loans, and digital banking directly into their platforms, thereby increasing user involvement and expediting the consumer journey.
The key market dynamics that are shaping the banking-as-a-service (BaaS) market include:
Increasing Adoption of Digital Banking: The rapid shift towards digital banking is a major driver of the BaaS market. According to Verified Market Research, the global number of digital banking users is predicted to increase to 4 billion by 2024, up from 2.7 billion in 2021. This represents a 44 percent increase in just three years. The increased need for convenient, 24/7 accessible banking services is prompting financial institutions and non-banking organizations to use BaaS systems to improve their digital offerings.
Rising Fintech Investments: The spike in fintech investments is accelerating the growth of the BaaS market. Global fintech funding increased to $91.5 billion in 2021, nearly double the previous year's record of $47.2 billion. This significant rise in funding enables more companies to integrate financial services into their goods via BaaS solutions, driving market expansion and innovation.
Growing Demand for Embedded Finance: The growing popularity of embedded finance is a major driver in the BaaS market. According to a report by Lightyear Capital, the embedded finance market in the United States is expected to rise from $22.5 billion in 2020 to $230 billion by 2025, a whopping 922% increase. This rapid development is being driven by non-financial enterprises incorporating financial services into their products, opening up new potential for BaaS providers to power these embedded finance solutions.
Key Challenges:
High-Risk Exposure for BaaS Service Providers: BaaS providers handle sensitive financial information, making them attractive targets for cyberattacks. The increasing frequency and sophistication of these assaults result in serious security breaches, causing financial losses and reputational damage. This significant risk exposure discourages potential clients from implementing BaaS solutions, as businesses prioritize the security of their financial transactions and customer data over the benefits of integrating new services.
High Cost of Adoption: Businesses, particularly small and medium-sized organizations with limited financial resources, face significant costs when implementing BaaS systems. The initial expenditure necessary for technology infrastructure, integration, and compliance presents a considerable hurdle. Furthermore, continuous costs for maintenance and updates put a burden on budgets, making it difficult for businesses to justify the switch to a BaaS model despite the potential benefits.
Key Trends:
Embedded Finance and Embedded Banking: BaaS is facilitating the emergence of embedded finance, which involves smoothly integrating financial services into non-financial platforms. This enables businesses to provide financial products such as accounts, loans, and payments directly to their clients, hence improving the user experience. As consumer demand for embedded banking rises, particularly among millennials and Generation Z, BaaS usage will increase.
Collaboration Between Banks and Fintechs: Traditional banks are working with fintech companies to exploit BaaS systems and APIs. This relationship enables banks to upgrade their infrastructure, quickly launch digital offerings, and reach new consumer segments. Fintechs, on the other hand, can obtain regulated banking services without having to construct their infrastructure. These strategic relationships are altering the financial services sector and propelling the BaaS market forward.
Regulatory Changes and Open Banking: Evolving rules, like as PSD2 in Europe and similar initiatives in other countries, require banks to open up their systems using APIs. This open banking platform is a critical enabler for BaaS since it allows third-party providers to access consumer data and create new services. As more nations implement open banking legislation, the BaaS market will continue to grow, with Asia-Pacific likely to be the fastest expanding.
Here is a more detailed regional analysis of the banking-as-a-service (BaaS) market:
Europe:
According to Verified Market Research, Europe is estimated to dominate the banking-as-a-service (BaaS) market over the forecast period. Europe's forward-thinking legislative structure, particularly the updated Payment Services Directive (PSD2), is a major driver of the regional BaaS market. According to the European Banking Authority (EBA), as of December 2020, there were 403 registered Account Information Service Providers (AISPs) and 170 Payment Initiation Service Providers (PISPs) in the European Economic Area. This legal framework has promoted open banking and financial innovation, accelerating the deployment of BaaS solutions across the continent.
Furthermore, Europe's booming fintech ecosystem is a key driver of the region's BaaS market. According to Innovate Finance, European fintech investment totaled USD 49.4 Billion in 2021, a 144% increase over 2020. The UK alone accounted for USD 11.6 Billion of this investment or a 217% yearly growth. This vibrant fintech sector has several potential for BaaS providers to collaborate with startups and major financial institutions, hence fostering innovation and market growth in the region.
North America:
North America is estimated to exhibit substantial growth within the market during the forecast period. The growing popularity of embedded finance is a major driver of the BaaS market in North America. According to a Lightyear Capital analysis, the embedded finance market in the United States alone is predicted to rise from USD 22.5 Billion in 2020 to USD 230 Billion in 2025, an astounding 922% increase. This rapid development is being driven by non-financial enterprises incorporating banking services into their products, opening up new potential for BaaS providers to power these embedded finance solutions and extend their market position in North America.
Furthermore, North America is experiencing a spike in digital banking use, which is boosting the BaaS market. According to a survey, the number of digital banking users in the United States is expected to increase to 216.8 million by 2025, from 196.8 million in 2021. This marks a 10.2% growth in only four years. The growing demand for seamless digital financial services is motivating traditional banks and fintech companies to use BaaS platforms, which is driving market growth in the region.
Asia Pacific:
The Asia Pacific region is estimated to exhibit the highest growth within the market during the forecast period. The Asia Pacific region is experiencing a spike in digital banking usage, which is fueling the growth of the BaaS market. According to McKinsey's Personal Financial Services Survey, the number of digitally active banking customers in Asia Pacific climbed from 54.5% in 2017 to 88% in 2021. In growing nations such as Indonesia, digital banking adoption increased from 58% in 2017 to 95% by 2021. This huge surge in digital banking usage provides an ideal opportunity for BaaS providers to offer novel financial solutions to a fast-rising user base.
Furthermore, the Asia Pacific region has a large unbanked and underbanked population, creating a huge opportunity for BaaS industry growth. According to the World Bank's Global Findex Database 2021, around 1 billion adults in East Asia and the Pacific lack access to banking services. In Southeast Asia alone, 70% of adults are unbanked or underbanked. This massive untapped market is prompting fintech startups and traditional banks to use BaaS platforms to access and serve these people with novel financial products and services.
The Banking-as-a-Service (BaaS) Market is segmented based on Type, Enterprise Size, End-User, and Geography.
Cloud-based
API-based
Based on Type, the market is segmented into Cloud-based and API-based. The cloud-based segment is estimated to dominate the banking-as-a-service (BaaS) market during the forecast period. The growing use of cloud technology and the benefits it provides, such as scalability, flexibility, and cost-effectiveness, are driving the expansion of the Cloud-based BaaS segment in the overall Banking-as-a-Service market.
Large Enterprises
Small and Medium Enterprises (SMEs)
Based on Enterprise Size, the market is segmented into Large Enterprises and Small & Medium Enterprises (SMEs). The large enterprise segment is estimated to dominate the banking-as-a-service (BaaS) market. Large enterprises, with over a thousand people, have a broader range of company locations, a huge and devoted client base, a strong brand reputation, and the ability to fund their operations at a cheap cost of capital. Their big client base generates massive amounts of customer data, which may be processed to provide new financial services at a reduced cost and in greater volume.
Banks
Fintech Corporations
Others
Based on End-User, the market is segmented into Banks, Fintech Corporations, and Others. The bank segment is estimated to dominate the banking-as-a-service (BaaS) market due to traditional banks' increasing embrace of BaaS technologies to improve client experience, decrease operating costs, and remain competitive in the quickly changing financial services industry. Banks are using BaaS platforms to modernize their infrastructure, offer digital goods faster, and reach new consumer segments, hence driving the segment's growth.
North America
Europe
Asia Pacific
Rest of the World
Based on Geography, the Banking-as-a-Service (BaaS) Market is classified into North America, Europe, Asia Pacific, and the Rest of the World. Europe region is estimated to dominate the market during the forecasted period due to the region's robust regulatory environment and the growing acceptance of digital banking products by both individuals and businesses. European banks are focusing on improving cost efficiency and risk management, which has resulted in increased technological expenditures and the adoption of BaaS models. As a result, many traditional banks are collaborating with fintech firms to update their offerings and enhance client experiences, strengthening Europe's position in the BaaS market.
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.