美國銀行業API市場評估：依組件、部署類型、應用程式、最終用戶、地區、機會和預測（2018-2032）

美國銀行業API市場預計將從2025年到2032年以12.85%的複合年增長率成長，市場規模將從2024年的87.2億美元成長到2032年的229.4億美元。美國銀行業API市場的發展受到多種因素的共同驅動，包括監管變化和消費者對即時數位服務的需求。此外，傳統銀行與金融科技創新者之間日益增強的合作意願也發揮了重要作用。為了保持競爭力，美國各地的金融機構正在對其傳統系統進行現代化改造，並向雲端原生、API優先、可擴展的即時數位服務轉型。將這些趨勢與美國的整體金融科技策略相協調，透過推廣開放銀行、無縫資料可攜性和嵌入式金融，釋放新的收入機會，變得日益重要。

由於大規模雲端遷移、不斷變化的數位化客戶期望以及新型監管開放金融的發展，美國銀行業API市場正在經歷快速轉型。

Citizens Bank於2025年3月推出的API平台就是一個典型的例子。該平台不僅提升了銀行的API功能，還加快了新產品和服務的上市速度，並增強了所有客戶管道的即時個人化體驗。兩家銀行都呼籲業界支持其營運能力轉型，以便更好地與金融科技公司在即時支付、以客戶為中心的註冊流程和模組化銀行即服務（BaaS）模式方面開展合作，並致力於用支持API的核心銀行運營架構取代傳統基礎設施。

這些變化標誌著整個產業正在發生重大轉變，傳統銀行正透過擁抱互通性和嵌入式金融的改進，在更技術驅動的金融生態系統中運作。隨著核心銀行系統遷移到雲端，API 使第三方開發人員能夠創造創新的客戶體驗，同時提供必要的資料安全性和可擴展性。到 2025 年，市場將以比預期更快的速度邁向更現代化的狀態，因為區域性和中型銀行正在加速放棄靜態的單體系統，轉向敏捷的生態系統模式，無論作為銀行還是作為消費者，都對互通性有著更高的要求。從長遠來看，這將建立一個全新的美國銀行業模式，該模式不僅基於數位化的開放性和速度，還基於生態系統的整合及其互動。

目錄

第一章：專案範圍與定義

第二章：研究方法

第三章：摘要整理

第四章：客戶之聲

• 銀行和金融科技公司採用 API 銀行服務的比例
• 開放 API 採用的關鍵驅動因素
• API 架構偏好（RESTful、SOAP、GraphQL）
• API 整合面臨的挑戰（安全性、互通性、與傳統系統的兼容性）

第五章 美國 API 銀行服務市場展望，2018-2032 年

• 市場規模分析與預測
  • 依價值
• 市佔率分析與預測
  • 依組件劃分
    • 依平台劃分
    • 服務
  • 依部署模式劃分
    • 本地部署
    • 雲端部署
  • 依應用程式劃分
    • 支付處理
    • 資料共享與聚合
    • 驗證與KYC
    • 帳戶與交易管理
  • 依最終用戶劃分
    • 銀行
    • 金融科技公司
    • 信用合作社
    • 非銀行金融公司
    • 保險公司
  • 依地區劃分
    • 東北
    • 西南
    • 西部
    • 東南
    • 中西部
  • 市佔率分析依公司劃分
• 2024 年市場地圖分析
  • 依組件劃分
  • 依部署模式劃分
  • 依應用程式劃分
  • 依最終用戶劃分
  • 依地區劃分

第六章 供需分析

第七章：價值鏈分析

第八章：波特五力分析

第九章：PESTLE 分析

第十章：市場動態

• 市場驅動因素
• 市場挑戰

第十一章：市場趨勢與發展

第十二章：定價模型（最佳）努力）

第十三章：個案研究

第十四章：競爭格局

• 前五大競賽矩陣 前五名SWOT分析 前十大主要參與者
  • Plaid公司
    • 公司詳情
    • 關鍵管理人員
    • 產品與服務
    • 財務資訊（已公佈）
    • 主要市場趨勢與區域發展
    • 近期發展/合作、協作、併購
  • Stripe公司
  • BBVA美國銀行
  • Capital One DevExchange
  • Wells Fargo Gateway
  • Truist銀行
  • Synctera公司
  • Unit Finance公司
  • Treezor SAS
  • ClearBank Ltd.

以上列出的公司排名並非基於市場佔有率，且會根據研究過程中獲得的資訊而有所變動。

第十五章：策略建議

第十六章：研究公司資訊及免責聲明

United States API Banking market is projected to witness a CAGR of 12.85% during the forecast period 2025-2032, growing from USD 8.72 billion in 2024 to USD 22.94 billion in 2032F. The United States API banking market's development is a function of several factors that are converging, including both regulatory changes and consumer demand for instant digital services, but also an increasing willingness of traditional banks and fintech innovators to work together. Financial institutions across the U.S. are modernizing their legacy systems in response to increased competition. We are moving into cloud-native, API-first, and scalable real-time digital services. It is increasingly important to align this with the broader U.S. fintech agenda to promote open banking and foster seamless data portability and embedded finance, thereby unlocking new revenue opportunities.

The United States banking API market is undergoing rapid transformation due to large-scale cloud migration, shifting digital customer expectations, and new and soon-to-be-regulated open finance developments.

A leading example is the Citizens banking API platform, launched in March 2025, which not only improves the bank's API readiness but also provides a quicker time-to-market for new product and service offerings as well as enhanced real-time personalization across every customer channel. Both banks are focusing on replacing their legacy infrastructure with API-enabled architecture for their respective core banking deliveries, as they both requested industry support for this change in their operational capabilities to better integrate with fintech in offering instant payments, customer-centric onboarding, and modular banking-as-a-service (BaaS) models.

These changes signify a larger shift in industry, where traditional banks are operating in a more tech-forward financial ecosystem by adopting interoperability and embedded finance improvements. With core banking owners moving to the cloud-based, APIs can enable third-party developers to create innovative customer experiences while also providing the necessary data security and scalability. The market will adopt a more modern state at a faster pace than initially anticipated in 2025, as more regional and mid-tier banks abandon static monolithic systems and move to an agile ecosystem model, both as banks and as consumers requiring interoperability. The long-term impact is a new U.S. banking model based not only on digital openness and speed, but also on the integration of ecosystems and their interactions.

Regulatory Push for Open Banking is Growing the Market

The single most significant regulatory influence in the U.S. API banking space is the Consumer Financial Protection Bureau's (CFPB) proposed open banking regulation, which will fundamentally change the way financial data is shared and managed. Under the new rule, financial institutions as well as aggregators must support secure, consumer-permissioned data transfers using APIs. Covered entities must provide access to personal financial data to third-party data providers in standardized formats. This regulation marks a shift away from screen scraping and credential sharing, toward direct access to data via APIs, promoting transparency, interoperability, and consumer empowerment.

This strategic shift has pushed United States banks to invest in and strengthen their API infrastructures that can comply with regulations, protect consumer data, and deliver exceptional user experiences.

For instance, data aggregators such as Plaid, Truist Bank, and Capital One DevExchange are working to align their data-sharing models with the introduction of the new federal regulations. The regulation is intended to ensure competition by forcing larger banks to open their platforms to smaller fintech companies. This transition has created strong demand for secure API management platforms and increased collaboration between incumbent banks and technology providers. The forthcoming CFPB regulation will ultimately be a lightning rod for institutional adoption of APIs and data democratization in U.S. financial services.

Monetization of Customer Data Access

A second significant opportunity within the U.S. API banking market is that large banks are now moving towards monetization of fintech's access to customer data.

For instance, in July 2025, JPMorgan Chase announced a move towards charging fintech to help them leverage its customer data via APIs. As such, it marks a shift in dynamics between traditional banks and third-party aggregators, reflects the value banks put on API infrastructure and secure exchanges of data, and is in direct contrast to the way fintech had been leveraging APIs for years without financial ramifications, or at worst, indirect means such as scraping data. Specifically, JPMorgan is moving from a zero model to a new monetization model within API ecosystems.

This could lead to higher fees for other large banks, such as Wells Fargo, Gateway, and BBVA USA, if they pursue similar revenue opportunities, and force fintech to evaluate their cost structures and strengthen integrations. Indeed, this should create awareness for API governance, access management, and data ownership. These banks charge fintech directly and may push aggregators to consolidate data relationships, as well as spur innovation in open data standardization. Over time, we may also see different tiers of API depending on the depth of data, latency, or functionality, turning API banking in the U.S. into a systematic fee model or service model.

Cloud-Based Platforms Dominating the United States API Banking Market

Cloud-based deployment is rapidly gaining traction in the United States API banking industry, providing banks and fintechs access to greater scalability, agility, and lower operational costs. Financial institutions are adopting cloud-native platforms for payment processing, KYC, and account management via APIs. The transition is evidenced by fintech platform Mercury's fundamental rethinking of its core relationships with its partner bank, Evolve Bank & Trust, in March 2025. Much is evolving in this successful movement. Not long ago, the KYC procedure with Molly.ai successfully managed account holder relationship operations, including connectivity events through the API stack and support infrastructure, as well as KYC compliance posture. These transitions can often equate to "back of the bus" restructuring for better-performing, modular, and cloud-based systems that are service-oriented, real-time and accessed via APIs.

The Platform component, however, continues to occupy a leading market share because banks and fintechs leverage full-on API management suites that help with integration, versioning, and security. The examples of identity verification, transaction aggregation, and BaaS delivery use cases can all originate from flexible, API-centric cloud environments. The Adoption of cloud vs. on-premises solutions is exceptionally robust among challenger banks, neobanks, and third-party service providers seeking to achieve go-to-market execution speed in the cloud. The cloud model also has surmountable interoperability considerations that can ease the way with third-party payment rails, i.e., FedNow and RTP.

Key Players Landscape and Outlook

The United States API banking space is driven by banking incumbents and fintech API companies, including Plaid Inc., Stripe, Truist Bank, ClearBank Ltd., and Synctera, which are seeking to drive the growth of the ecosystem. A recent example is Plaid, which has expanded its Embedded Finance and Open Finance API portfolio by enabling developers to integrate with financial accounts, access real-time balances, facilitate payments, and verify identities through standardized APIs. Plaid's numerous APIs are aligned with open banking trends and are accessible across thousands of apps and services in the U.S.

At the same time, Stripe is extending to embedded banking services for platforms and marketplaces. Meanwhile, Unit Finance Inc. and Synctera are enabling BaaS (Banking as a Service) for non-bank businesses, utilizing APIs to create an ecosystem of financial infrastructure enablers that connect customer-facing apps to regulated banking infrastructure. As traditional banks and API fintechs become increasingly interdependent, a competitive ecosystem is emerging, and leadership will be defined by scalability, security, and developer experience. Although regulation is just emerging and embedded finance is just beginning to be adopted, these companies will play a crucial role in defining the future of API banking in the U.S.

Table of Contents

1. Project Scope and Definitions

2. Research Methodology

3. Executive Summary

4. Voice of Customer

• 4.1. Adoption Rate of API Banking Among Banks and Fintechs
• 4.2. Primary Drivers for Implementing Open APIs
• 4.3. Preferences in API Architecture (RESTful, SOAP, GraphQL)
• 4.4. Challenges in API Integration (Security, Interoperability, Legacy System Compatibility)

5. United States API Banking Market Outlook, 2018-2032F

• 5.1. Market Size Analysis & Forecast
  • 5.1.1. By Value
• 5.2. Market Share Analysis & Forecast
  • 5.2.1. By Component
    • 5.2.1.1. Platform
    • 5.2.1.2. Services
  • 5.2.2. By Deployment Mode
    • 5.2.2.1. On-premises
    • 5.2.2.2. Cloud-based
  • 5.2.3. By Application
    • 5.2.3.1. Payment Processing
    • 5.2.3.2. Data Sharing & Aggregation
    • 5.2.3.3. Identity Verification & KYC
    • 5.2.3.4. Accounts & Transaction Management
  • 5.2.4. By End-user
    • 5.2.4.1. Banks
    • 5.2.4.2. Fintech Companies
    • 5.2.4.3. Credit Union
    • 5.2.4.4. NBFCs
    • 5.2.4.5. Insurance Companies
  • 5.2.5. By Region
    • 5.2.5.1. Northeast
    • 5.2.5.2. Southwest
    • 5.2.5.3. West
    • 5.2.5.4. Southeast
    • 5.2.5.5. Midwest
  • 5.2.6. By Company Market Share Analysis (Top 5 Companies and Others - By Value, 2024)
• 5.3. Market Map Analysis, 2024
  • 5.3.1. By Component
  • 5.3.2. By Deployment Mode
  • 5.3.3. By Application
  • 5.3.4. By End User
  • 5.3.5. By Region

6. Demand Supply Analysis

7. Value Chain Analysis

8. Porter's Five Forces Analysis

9. PESTLE Analysis

10. Market Dynamics

• 10.1. Market Drivers
• 10.2. Market Challenges

11. Market Trends and Developments

12. Pricing models (Best Effort Basis)

13. Case Studies

14. Competitive Landscape

• 14.1. Competition Matrix of Top 5 Market Leaders
• 14.2. SWOT Analysis for Top 5 Players
• 14.3. Key Players Landscape for Top 10 Market Players
  • 14.3.1. Plaid Inc.
    • 14.3.1.1. Company Details
    • 14.3.1.2. Key Management Personnel
    • 14.3.1.3. Products and Services
    • 14.3.1.4. Financials (As Reported)
    • 14.3.1.5. Key Market Focus and Geographical Presence
    • 14.3.1.6. Recent Developments/Collaborations/Partnerships/Mergers and Acquisitions
  • 14.3.2. Stripe, Inc.
  • 14.3.3. BBVA USA
  • 14.3.4. Capital One DevExchange
  • 14.3.5. Wells Fargo Gateway
  • 14.3.6. Truist Bank
  • 14.3.7. Synctera Inc.
  • 14.3.8. Unit Finance Inc.
  • 14.3.9. Treezor SAS
  • 14.3.10. ClearBank Ltd.

Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work.

15. Strategic Recommendations

16. About Us and Disclaimer

List of Tables

• Table 1. Competition Matrix of Top 5 Market Leaders
• Table 2. Mergers & Acquisitions/ Joint Ventures (If Applicable)
• Table 3. About Us - Regions and Countries Where We Have Executed Client Projects

List of Figures

• Figure 1. United States API Banking Market, By Value, In USD Billion, 2018-2032F
• Figure 2. United States API Banking Market Share (%), By Component, 2018-2032F
• Figure 3. United States API Banking Market Share (%), By Deployment Mode, 2018-2032F
• Figure 4. United States API Banking Market Share (%), By Application, 2018-2032F
• Figure 5. United States API Banking Market Share (%), By End-user, 2018-2032F
• Figure 6. United States API Banking Market Share (%), By Region, 2018-2032F
• Figure 7. By Type Map-Market Size (USD Billion) & Growth Rate (%), 2024
• Figure 8. By Technology Map-Market Size (USD Billion) & Growth Rate (%), 2024
• Figure 9. By End-user Map-Market Size (USD Billion) & Growth Rate (%), 2024
• Figure 10. By Region Map-Market Size (USD Billion) & Growth Rate (%), 2024