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市場調查報告書
商品編碼
1754119
數位銀行平台市場報告,按組件(解決方案、服務)、類型(零售銀行、公司銀行)、部署模式(本地、基於雲端)、銀行模式(網路銀行、手機銀行)和地區分類,2025 年至 2033 年Digital Banking Platform Market Report by Component (Solutions, Services), Type (Retail Banking, Corporate Banking), Deployment Mode (On-premises, Cloud-based), Banking Mode (Online Banking, Mobile Banking), and Region 2025-2033 |
2024年,全球數位銀行平台市場規模達73億美元。展望未來, IMARC Group預計到2033年,該市場規模將達到190億美元,2025-2033年期間的複合年成長率(CAGR)為10.66%。對便利無縫銀行體驗的需求日益成長、技術不斷進步,以及客戶對線上交易和個人化銀行服務的偏好日益成長,是推動市場發展的主要因素。
無縫便利銀行業務的需求日益成長
客戶對無縫便利銀行體驗的需求日益成長,這主要催化了數位銀行平台市場的發展。現代消費者期望銀行服務能適應他們快節奏的生活方式,使他們能夠隨時隨地進行交易和管理財務,而不受傳統實體店營運的束縛。因此,各金融機構正在與科技提供者合作,採取措施,使網路銀行更加無縫且安全。例如,2022年12月,德勤宣布與AWS合作,以解決銀行業的一個長期難題:向涵蓋從客戶端介面到後台營運的數位優先系統轉型。同樣,2023年1月,Axis Bank與OPEN合作,為其客戶(包括中小企業、自由工作者、家庭企業家、網紅等)提供完全原生的數位活期帳戶。此次合作使更廣泛的商業群體能夠享受Axis Bank全面的銀行體驗以及OPEN端到端的財務自動化功能,從而更好地管理業務。除此之外,數位銀行平台還提供行動應用程式、網路銀行入口網站和方便用戶使用介面,可即時存取帳戶資訊、資金轉帳和帳單支付,預計這將在未來幾年推動數位銀行平台市場佔有率的成長。
技術進步與創新
快速的技術進步在推動數位銀行平台市場發展方面發揮關鍵作用。各大領先市場參與者正擴大整合人工智慧 (AI)、機器學習 (ML)、生物辨識和區塊鏈等新興技術,這些技術為銀行業的變革提供了巨大的潛力。此外,WhatsApp Pay 和 Phone Pay 等第三方即時支付應用程式的普及,也導致銀行對可靠基礎設施的需求增加,以便順利進行 UPI 交易。例如,Visa 最近斥資 53 億美元收購了金融科技新創公司 Plaid,該公司允許應用程式輕鬆、即時地連接到客戶的銀行帳戶。此外,雲端平台與網路銀行平台的整合也為整個市場帶來了積極的前景。 2023 年 1 月,菲律賓數位銀行 GoTyme Bank 與全球雲端銀行平台 Mambu 合作,打造了一項創新的數位銀行解決方案,旨在增加菲律賓人獲得高品質金融服務的機會。這些創新使數位銀行平台能夠提供增強的安全措施、基於消費者行為和偏好的個人化服務、高效的交易處理以及數據驅動的洞察,以便做出更好的決策。
監理措施及開放銀行
政府和監管機構正在努力規範線上交易,促進開放銀行業務和資料共享,這對全球數位銀行平台市場產生了積極影響。例如,2024 年 2 月,印度儲備銀行 (RBI) 發布了一份重要政策聲明,概述了涵蓋金融市場、貸款機構相關法規以及數位貨幣和金融科技等支付系統的幾項發展和監管舉措。在金融市場方面,RBI 宣布將全面審查現有的電子交易平台 (ETP) 監管準則,這些平台允許進行 RBI 監管的金融工具交易,例如外匯和政府證券。開放銀行業務要求金融機構與授權的第三方提供者安全地共享客戶資料,這正在促進更互聯互通的金融生態系統。
The global digital banking platform market size reached USD 7.3 Billion in 2024. Looking forward, IMARC Group expects the market to reach USD 19.0 Billion by 2033, exhibiting a growth rate (CAGR) of 10.66% during 2025-2033. The increasing demand for convenient and seamless banking experiences, numerous technological advancements, and growing customer preferences for online transactions and personalized banking services are some of the major factors propelling the market.
Increasing Demand for Seamless and Convenient banking
The escalating customer demand for seamless and convenient banking experiences is primarily catalyzing the market for digital banking platforms. Modern consumers expect banking services that align with their fast-paced lifestyles, enabling them to conduct transactions and manage finances on-the-go, without being constrained by traditional brick-and-mortar operations. Consequently, various financial institutions, in collaboration with technology providers, are taking initiatives to make online banking more seamless and secure. For instance, in December 2022, Deloitte announced a collaboration with AWS to address a chronic difficulty in banking: the transition to digital-first systems that span the client interface to back-office operations. Similarly, In January 2023, Axis Bank collaborated with OPEN to provide its clients, including SMEs, freelancers, homepreneurs, influencers, and others, with a completely native digital current account. This collaboration gives the larger business community access to Axis Bank's comprehensive banking experience and OPEN's end-to-end financial automation capabilities for business administration. In addition to this, digital banking platforms are offering mobile applications, online banking portals, and user-friendly interfaces that provide real-time access to account information, fund transfers, and bill payments, which is anticipated to propel the digital banking platform market share in the coming years.
Technological Advancements and Innovations
Rapid technological advancements are playing a pivotal role in driving the digital banking platform market forward. Various leading market players are increasingly integrating emerging technologies like artificial intelligence (AI), machine learning (ML), biometrics, and blockchain offer immense potential to revolutionize the banking sector. Moreover, increased adoption of third-party applications for real-time payments, such as WhatsApp Pay and Phone Pay, has led to increased demand for reliable infrastructure by the banks to carry out UPI transactions smoothly. For instance, Visa recently completed a US$ 5.3 Billion acquisition of Plaid, a fintech startup that allows applications to connect with customers' bank accounts easily and instantly. Moreover, the integration of cloud-based platforms with online banking platforms is also creating a positive outlook for the overall market. In January 2023, the digital bank in the Philippines, GoTyme Bank, collaborated with the worldwide cloud banking platform Mambu to create an innovative digital banking solution that seeks to increase Filipinos' access to high-quality financial services. These innovations empower digital banking platforms to provide enhanced security measures, personalized services based on consumer behavior and preferences, efficient transaction processing, and data-driven insights for better decision-making.
Regulatory Initiatives and Open Banking
Government and regulatory authorities are making efforts to regulate online transactions and promote open banking and data sharing, which is positively impacting the global digital banking platform market. For instance, in February 2024, the Reserve Bank of India (RBI) released a major policy statement outlining several developmental and regulatory initiatives covering financial markets, regulations pertaining to lending institutions, and payment systems, including digital currency and fintech. On the financial markets front, RBI announced that it would comprehensively review the existing regulatory guidelines for Electronic Trading Platforms (ETPs) that enable transactions in financial instruments regulated by RBI, such as foreign exchange and government securities. Open banking mandates financial institutions to share customer data securely with authorized third-party providers, which is fostering a more interconnected financial ecosystem.
Solutions dominate the market
Solutions drive innovation by providing flexible and customizable offerings to financial institutions. Rather than a monolithic approach, digital banking platform providers offer modular solutions that can be integrated into existing systems, allowing banks to select specific functionalities based on their needs and preferences. Additionally, a number of banks are launching banking solutions with improved security, which is catering to eh growth of this segment. For instance, Next Bank, a Taiwanese digital bank, launched Temenos in January 2023. Next Bank can bring products to market quickly and effectively with Temenos' open platform. The bank intends to add foreign exchange services, such as remittance services for migrant workers and wealth management tools, over time. Next Bank, which is powered by Temenos, swiftly expanded to approximately 300,000 users within nine months of its launch. Additionally, solutions foster collaboration between banks and fintech partners, promoting the development of new and innovative services.
Retail banking holds the largest share of the market
Retail banking has a massive customer base and is witnessing a substantial increase in demand for convenient and personalized banking services. Customers are increasingly opening saving accounts in retail banks to leverage benefits such as mobile banking, online account management, contactless payments, and real-time customer support. For instance, in 2023, RBL Bank reported a total of INR 78,186 crore, which is a 21% surge from the year 2022. Breaking this down, the bank's retail advances grew by 34% year-on-year, while its wholesale advances rose by 7%. Moreover, retail banking is undergoing a significant transformation, requiring banks to adopt advanced technologies such as natural language processing (NLP), artificial intelligence (AI), and machine learning (ML) to become trusted partners and deliver improved services.
On-premises represents the most popular mode of deployment
On-premises deployment caters to the specific needs and preferences of financial institutions that prioritize maintaining control and security over their infrastructure and data. Many banks, especially large and established ones, prefer on-premises solutions owing to regulatory compliance requirements and data privacy concerns.
Online banking accounts for the majority of the share in the market
Online banking enables financial institutions to offer a wide range of services to customers through digital channels. According to Deloitte Insights reports, web/online banking is preferred over mobile for tasks like paying bills, updating account details, making international transfers, and researching financial products. This is due to the need for greater accuracy, ease of comparison, or simply personal preference. According to an October 2023 ABA study, Baby Boomers, at 39%, lead the pack in using online banking as their primary banking channel. Moreover, with the rapid proliferation of smartphones, tablets, and internet connectivity, customers today expect seamless and convenient access to their accounts and banking services online.
North America exhibits a clear dominance in the market.
The report has also provided a comprehensive analysis of all the major regional markets, which include North America (the United States and Canada); Asia Pacific (China, Japan, India, South Korea, Australia, Indonesia, and others); Europe (Germany, France, the United Kingdom, Italy, Spain, Russia, and others); Latin America (Brazil, Mexico, and others); and the Middle East and Africa. According to the report, North America was the largest regional market for digital banking platforms.
The presence of various big banks in North America is one of the primary reasons for the region's growth. Digital banking companies in the region offer software as a service so that legacy systems can be turned into digital ones. For instance, Temenos helps new US digital banks go live in 90 days with the most functionally rich and technologically advanced front-to-back SaaS digital banking offering. Moreover, the region's strong economy and well-established banking sector is further contributing to the growth of digital banking platforms. With a highly competitive financial services landscape, banks in the North American region are constantly seeking innovative ways to attract and retain customers.
Figure 1: Global: Digital Banking Platform Market: Major Drivers and Challenges