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市場調查報告書
商品編碼
1887010
基於 SaaS 的核心銀行軟體市場規模、佔有率、成長及全球產業分析:依類型、應用和地區劃分的洞察,以及 2024-2032 年預測SaaS-based Core Banking Software Market Size, Share, Growth and Global Industry Analysis By Type & Application, Regional Insights and Forecast to 2024-2032 |
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隨著金融機構加速向基於雲端的數位化銀行生態系統轉型,全球基於 SaaS 的核心銀行軟體市場正在改變銀行業格局。根據最近的一項研究,受訂閱式銀行解決方案的普及、基礎設施成本的降低以及對即時數位銀行服務日益增長的需求等因素的推動,全球市場規模預計將在 2024 年達到 112.1 億美元。預計到 2025 年,市場規模將成長至 132 億美元,到 2032 年將達到 460.3 億美元,2025 年至 2032 年的複合年增長率 (CAGR) 為 19.5%。北美將成為領先地區,在 2024 年佔全球 44.07% 的市場佔有率,這主要得益於該地區較高的數位化普及率和眾多成熟的金融機構。
基於 SaaS 的核心銀行平台無需銀行管理硬件,從而減輕了營運負擔並實現了低成本的可擴展性。業內專家報告稱,與傳統系統相比,已轉型至 SaaS 架構的銀行的基礎設施和維護成本最多可降低 40%。日益增長的數位化傾向進一步推動了市場成長,76% 的銀行客戶期望到 2024 年能夠獲得數位化優先服務。同時,約 70% 的金融機構表示,增強合規性和安全性是採用 SaaS 平台的主要動機。
生成式人工智慧與海關法規的影響
生成式人工智慧正在革新基於 SaaS 的核心銀行環境,它能夠自動化程式碼開發、加速產品創新,並支援人工智慧產生的邏輯,用於客戶註冊、詐欺監控、貸款批准和交易分析。透過提供即時洞察、產生詳細報告和個人化銀行服務,銀行正在提高效率並提升客戶體驗。
然而,互惠關稅會帶來潛在挑戰。 SaaS 供應商嚴重依賴全球雲端基礎架構、第三方技術工具和進口硬體。關稅導致的成本上升可能會增加採購壓力、提高訂閱價格並阻礙擴張策略。雲端服務和軟體進口價格的上漲可能會間接影響 SaaS 供應商在成本敏感地區的競爭力。
市場趨勢
API驅動的開放銀行仍然是推動市場成長的最強勁趨勢之一。隨著全球金融生態系統的演進,銀行正將開放銀行置於優先地位,允許第三方供應商透過安全的API存取金融資料。這促使銀行即服務(BaaS)模式和整合金融服務產品激增。根據Finastra的一項調查,85%的銀行已將開放銀行視為策略重點,預計到2022年,API調用量將成長385%,推動歐洲乃至全球的快速普及。
對高度個人化的需求也在不斷增長,客戶期望獲得直覺、即時的數位體驗。已實施SaaS驅動的個人化解決方案的銀行,其客戶參與度提高了40%,客戶流失率降低了30%,凸顯了雲端原生平台的競爭優勢。
市場動態
驅動因素
數位交易的成長、行動優先銀行服務的擴展以及客戶對流暢數位體驗的需求正在推動市場成長。銀行正在加速採用基於 SaaS 的平台,以增強營運韌性、實現即時處理並支援全通路功能。
限制因子
儘管數位化進程快速推進,但由於對資料隱私、網路風險和監管處罰的擔憂,許多銀行仍然保持謹慎。將敏感的財務資料託管在異地仍然是一個重大挑戰,限制了保守市場的採用。
機會
新興經濟體,特別是亞太地區、非洲和南美洲的新興經濟體,提供了強勁的成長機會。由於存在大量服務不足的人口,以及政府支持的普惠金融計劃(例如印度的 "總理人民財富計劃" ),基於 SaaS 的解決方案能夠很好地支持低成本、行動優先的銀行業務的擴張。
細分概覽
依部署類型
依銀行類型
由於交易量龐大以及對即時、數位化優先營運的需求,大型銀行在 2024 年引領市場。由於社區銀行基於訂閱的 SaaS 模式價格實惠,預計其複合年增長率將最高。
依最終使用者劃分
2024年,零售銀行業務佔最大佔有率,因為金融機構優先考慮詐欺偵測、人工智慧驅動的個人化服務和無縫的數位體驗。由於對數位化投資工具的需求不斷增長,財富管理領域預計將成長最快。
北美
預計到2024年,該地區市場規模將達到49.4億美元,主要得益於數位銀行的強勁普及和大規模的雲端遷移項目。預計美國將實現強勁成長,到2025年,數位銀行用戶預計將超過2.168億。
歐洲
歐洲持續保持第二大市場佔有率,這主要得益於監管合規、開放銀行的擴張以及對即時銀行平台的需求不斷增長。
亞太地區
亞太地區預計將成為成長最快的地區,這主要得益於金融現代化方面的大量投資。該地區核心銀行系統升級成本高昂,從 5,000 萬美元到 2 億美元不等,並且正在顯著轉向可擴展的 SaaS 替代方案。
中東和非洲
銀行每年將 IT 預算增加 4.4%,以實現基礎設施現代化並滿足合規標準。
南美洲
受 3000 多家金融科技新創公司的推動,對基於雲端的核心銀行系統的需求正在增長。
The global SaaS-based core banking software market is transforming the banking landscape as financial institutions accelerate their shift toward cloud-based, digitally enabled banking ecosystems. According to the latest research, the global market size reached USD 11.21 billion in 2024, driven by the adoption of subscription-based banking solutions, reduced infrastructure costs, and increased demand for real-time digital banking services. The market is projected to grow to USD 13.20 billion in 2025 and is forecast to achieve USD 46.03 billion by 2032, expanding at a strong CAGR of 19.5% during 2025-2032. North America was the leading region in 2024, accounting for 44.07% of the global share due to high digital adoption and the presence of advanced financial institutions.
SaaS-based core banking platforms eliminate the need for banks to manage hardware, reduce operational pressures, and enable scalability at lower costs. According to industry experts, banks that shifted to SaaS architectures saw up to 40% savings in infrastructure and maintenance expenses compared to legacy systems. Growing digital preference further supports market growth; as of 2024, 76% of banking customers prefer digital-first services, while approximately 70% of financial institutions reported that improved compliance and security were the primary motivations for adopting SaaS platforms.
Impact of Generative AI and Tariff Regulations
Generative AI is revolutionizing the SaaS-based core banking environment by automating code development, accelerating product innovation, and enabling AI-generated logic for customer onboarding, fraud monitoring, loan assessment, and transaction analysis. Its ability to deliver instant insights, generate detailed reports, and personalize banking recommendations is helping banks enhance efficiency while improving customer experience.
However, reciprocal tariffs pose potential challenges. SaaS providers rely heavily on global cloud infrastructure, third-party technology tools, and imported hardware. Tariff-driven cost escalations can strain procurement, raise subscription pricing, and disrupt expansion strategies. Increased prices for cloud services or software imports could indirectly affect SaaS vendors' competitiveness in cost-sensitive regions.
Market Trends
API-driven open banking continues to be one of the strongest trends supporting market growth. As global financial ecosystems evolve, banks increasingly prioritize open banking, enabling third-party providers to access financial data through secure APIs. This has led to a surge in banking-as-a-service models and integrated financial offerings. According to Finastra, 85% of banks consider open banking a strategic priority, while API call volumes rose 385% in 2022, fueling rapid adoption across Europe and beyond.
Demand for hyper-personalization is also rising, with customers expecting intuitive, real-time digital experiences. Banks using SaaS-powered personalization solutions have achieved 40% higher engagement and 30% lower attrition rates, highlighting the competitive advantage of cloud-native platforms.
Market Dynamics
Drivers
Rising digital transactions, growing mobile-first banking, and customer demand for frictionless digital journeys are driving market growth. Banks increasingly deploy SaaS-based platforms to enhance operational resilience, enable instant processing, and support omnichannel engagement.
Restraints
Despite rapid digitization, many banks remain cautious due to concerns over data privacy, cyber risks, and regulatory penalties. Hosting sensitive financial data off-premises continues to be a major concern, limiting adoption in conservative markets.
Opportunities
Emerging economies, particularly in Asia Pacific, Africa, and South America, offer strong growth opportunities. With large underbanked populations and government-backed financial inclusion programs-such as India's Pradhan Mantri Jan Dhan Yojana-SaaS-based solutions are well positioned to support low-cost, mobile-first banking expansion.
Segmentation Summary
By Deployment
By Banking Type
Large banks led the market in 2024, driven by massive transaction loads and the need for real-time, digital-first operations. Community banks are expected to record the highest CAGR due to the affordability of subscription-based SaaS models.
By End User
Retail banking held the largest share in 2024 as institutions prioritize fraud detection, AI-driven personalization, and seamless digital experience. Wealth management is expected to grow fastest due to rising demand for digital investment tools.
North America
The region generated USD 4.94 billion in 2024, supported by strong digital banking adoption and large-scale cloud transformation programs. The U.S. is projected to experience robust growth, with digital banking users expected to surpass 216.8 million by 2025.
Europe
Europe remains the second-largest market, driven by regulatory compliance, open banking expansion, and rising demand for real-time banking platforms.
Asia Pacific
Asia Pacific will grow fastest due to heavy investments in financial modernization. Core banking upgrades cost USD 50-200 million in the region, emphasizing the shift toward scalable SaaS alternatives.
Middle East & Africa
Banks are increasing IT budgets by 4.4% annually to modernize infrastructure and meet compliance standards.
South America
Growth is supported by over 3,000 fintech startups, boosting demand for cloud-based core banking systems.
Conclusion
With market growth from USD 11.21 billion (2024) to USD 46.03 billion (2032), SaaS-based core banking software is becoming central to digital banking transformation. Cloud-native architectures, generative AI, open banking APIs, and emerging-market expansion will continue driving robust adoption across the global banking ecosystem.
Segmentation By Deployment
By Banking Type
By End-User
By Region