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市場調查報告書
商品編碼
1761515
全球API銀行市場:依組件、部署模式、用途、最終用戶、地區、機會和預測,2018-2032Global API Banking Market Assessment, By Component, By Deployment Mode, By Application, By End-user, By Region, Opportunities and Forecast, 2018-2032F |
全球API銀行市場規模預計將從2024年的311.3億美元成長至2032年的783.5億美元,在2025-2032年預測期內的年複合成長率為 12.23%。API銀行是指銀行和金融機構有計劃地使用用途介面(API),以安全的方式向外部開發者、公司和第三方用途提供對其系統和服務的存取。API幫助系統以標準化的方式輕鬆安全地與其自身軟體平台和架構之外的系統進行通信,交換資料並添加其他功能,這將在預測期內推動全球市場的成長。因此,API 銀行正在改變金融業,因為它促進了更快的創新、更好的客戶體驗以及傳統銀行與金融科技公司之間的協作與整合。API銀行業務也為開發者和企業提供了更多機會,利用銀行資料和服務開發和提供新型金融產品和服務,推動全球市場需求。
銀行正透過與第三方用途整合,逐步擁抱API技術,這使其能夠設計新的數位服務原型,並提供更令人滿意、更全面的客戶體驗。開放銀行業務對金融機構的要求,以立法形式出現,允許客戶透過API連結或 "存取" 其帳戶資訊和支付基礎設施,加速了API銀行業務的發展。開放銀行法規促進了傳統銀行與金融科技公司之間的競爭、創新與合作。
API 銀行業務提高了客戶便利性,使其成為該技術市場佔有率不斷成長的關鍵因素。銀行可以整合來自多個用途的服務,並透過連接不同的系統(包括多個應用程序,例如手機銀行、個人理財和其他金融科技技術),創建個人化和客製化的解決方案。這種連接性可以帶來更好的整體用戶體驗,提高客戶滿意度和忠誠度。
例如,2025年4月,MoneyGram與開放銀行用途介面(API)領域的全球領導者 Plaid Inc. 達成合作,目的是提升用戶對更廣泛金融工具和服務的存取體驗。此次合作將使MoneyGram能夠透過 Plaid 的安全API網路存取日益壯大的金融用途和金融機構網路。此次合作體現了金融服務提供者利用API驅動的資源來改善用戶體驗、提升金融包容性並創建可存取的即時金融資料的日益成長的趨勢。
本報告調查全球API銀行市場,提供市場概述,以及依組件、部署模式、用途、最終用戶和地區的趨勢,和參與市場的公司簡介。
Global API banking market is projected to witness a CAGR of 12.23% during the forecast period 2025-2032, growing from USD 31.13 billion in 2024 to USD 78.35 billion in 2032. API banking is the planned use of application programming interfaces (APIs) by banks and financial institutions to offer access to their systems and services to external developers, businesses and third-party applications in a secure manner. APIs help ensure that systems can communicate easily and securely with systems outside their software platform or architecture in a standardized manner, exchanging data while adding other capabilities, driving the global market growth in the forecast period. In this way, the financial industry is changed by API banking as it promotes faster innovation, better customer experience and collaboration or integration between traditional banks and FinTech. API banking also provides more opportunities for developers and businesses to use banking data and services to craft and provide new types of financial products and services, propelling global market demand.
Banks have gradually begun to embrace API technology through integrations with third-party applications that allow them to prototype new digital services and provide a more satisfying overall customer experience. The evolution of API banking is being accelerated by open banking requirements for financial institutions in the form of legislation that enables customers to link or 'access' their account information and payment infrastructures via an API. Laws and regulations regarding open banking stimulate competition, innovation and collaboration between traditional banks and FinTech players will happen going forward.
API banking makes the customer better, which is a key factor in supporting this technology's gaining increased market share. Banks can integrate the services of multiple applications, allowing them to make personalized and tailor-made solutions by connecting disparate systems, including multiple applications (mobile banking, personal finance management, and other FinTech technologies). This connection will lead to a superior overall user experience that generates higher levels of customer satisfaction and loyalty.
For instance, in April 2025, MoneyGram and Plaid Inc., the global leader in open banking application programming interface (API), partnered to improve access to a broader selection of financial tools and services. By partnering with Plaid, MoneyGram has access to a growing network of financial applications and institutions through Plaid's secure network of APIs. This partnership is a growing trend of financial service providers using API-led resources to enhance the user experience, increase financial inclusion, and create accessible real-time financial data.
Expansion of Open Banking Initiatives Drives the Global Market Demand
The expansion of open banking initiatives is significantly accelerating the adoption of API banking across global financial markets. Regulatory measures such as the European Union's Revised Payment Services Directive (PSD2), alongside similar frameworks in other regions, require banks to provide secure access to customer data and payment infrastructure via APIs. This regulatory shift is fostering greater competition, encouraging innovation, and promoting collaboration between traditional banks and FinTech startups.
Furthermore, APIs empower third-party developers and FinTech companies to securely access banking data, enabling them to create innovative financial products and services. This integration supports the delivery of tailored, personalized customer experiences and is reshaping the dynamics of the financial services industry
For example, in May 2025, ClearBank Limited and Ozone Financially Technology Limited formed a multi-national partnership to work together to speed up the Global adoption of Open Banking through the combination of next-generation API technology, embedded banking and real-time clearing.
Digital Transformation of Financial Services Surges Market Growth
Biometric payment cards combine fingerprint sensors, contactless technology, AI fraud detection, tokenization, and battery-free designs to offer faster, more secure, and convenient payments. Leading tech firms are partnering with banks and other financial institutions to develop and launch these cards globally. Through innovation and large-scale pilots, are driving widespread adoption and transforming everyday payment experiences.
For example, in November 2024, Brankas Pte. Ltd. launched its end-to-end open banking compliance solution for the Asia Pacific region, integrating its open banking framework with AdvanceAI's eKYC solution. This solution aims to simplify regulatory compliance, enhance identity checks, and improve the customer onboarding process for banks and FinTechs. It provides safe and effective digital transformation for the financial industry while ensuring conformity to local open banking regulations.
Cloud-Based Infrastructure Dominates the Global API Market Share
Using cloud-based infrastructure has quickly gone from a technological edge to a hard requirement for stakeholders. As companies move forward in a big way regarding their technological transformation, cloud-based infrastructure offers radically flexible operations, scalable growth, and a fast-to-market model for innovation across all industry sectors. The ability to minimize or completely remove variable workloads, speed the integration of systems, and provide secure remote access are all excellent explanations why consumers rightly default to cloud solutions and why the cloud is even more efficient than other digital operating models.
Migrating to the cloud allows organizations to implement stronger security solutions, eliminating excessive reliance on legacy hardware and processes, and improving the launch speed of services, as well as cost efficiencies. Additionally, cloud adoption allows organizations to leverage newer and looming technologies that do and will impact organizations more so, such as automation, AIs, big data analytics, etc. This transformation is a tactical shift away from legacy systems and here to a flexible, resilient, and adaptive infrastructure, of which cloud is the substantial enabling technology for successful digital transformation.
For example, in 2024, JP Morgan Chase expanded its strategic partnership with Amazon Web Services (AWS) to modernize its infrastructure for API-driven services. This includes real-time payments, compliance APIs, and personalized banking solutions-all hosted on cloud infrastructure.
North America Region Dominates the Global API Banking Market Size
North America maintains the lead in the global API banking market because of its developed technology infrastructure, early adoption of digital banking and white-hot fintech environment. It is also aided by regulatory environments like 'open banking' in Canada and increasing acceptance of digital innovations in the United States.
North America's large financial institutions have been able to leverage API strategy to improve customer experiences, build innovation with third-party partners, and increase efficiency and effectiveness internally. With the emergence of global API banking, leaders have also become a rare bed for the growth of API banking.
North America is heavily investing in cloud infrastructure, heavily investing in cybersecurity and heavily investing in real-time payment systems, while at the same time positioning itself for the future of API adoption, security and scalability in the world of financial services, and creating global acceptance and standards.
For example, in June 2025, Headquartered in North America, Salt Edge Inc., a leading provider of open banking solutions, has announced a strategic partnership with Tuum and LHV Bank. Salt Edge aims to accelerate innovation in digital banking by enabling secure and compliant open banking connectivity. This collaboration is set to enhance LHV Bank's service offerings by integrating advanced open banking APIs, thereby ensuring more secure, seamless, and efficient banking experiences for customers.
Key Players Landscape and Outlook
The global API banking market has a vibrant and competitive landscape with several players, from established technology behemoths, fintech innovators, and traditional banks that are collectively shaping the future of digital finance. These players are innovating their API Platforms regularly for requests, onboarding, user experience, and faster implementation.
In both payment and banking, agile fintech firms are facilitating very rapid adoption of open banking by providing lightweight, developer-oriented API consumer tools for data aggregation, payments, and customer onboarding that didn't exist before.
The strategic intent among these players includes a cloud-native infrastructure, Banking-as-a-Service (BaaS), banking design around next-generation digital banks, and embedded finance solutions for traditional financial institutions to use. Heavy investment in security, scalability, and open API Programming language standardization is helping players stay ahead in a changing and multi-faceted function of being both banks and a service.
For example, in 2025, Tink AB (a Visa company) partnered with Adyen to introduce Pay by Bank for Vodafone customers in Germany. This collaboration demonstrates how key API banking providers are expanding their ecosystem by enabling real-time, account-to-account payments using open banking infrastructure.