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市場調查報告書
商品編碼
1890432

印度API銀行市場評估：依組件、部署模式、應用、最終用戶、地區、機會和預測（2019-2033年）

India API Banking Market Assessment, By Component, By Deployment Mode, By Application, By End-user, By Region, Opportunities and Forecast, FY2019-FY2033F
出版日期: | 出版商: Markets & Data | 英文 110 Pages | 商品交期: 3-5個工作天內

價格

預計在預測期（2026財年至2033財年）內，印度API銀行市場將以13.41%的複合年增長率增長，從2025財年的23.2億美元增長至2033財年的63.5億美元。推動印度API銀行市場發展的因素包括：後疫情時代的數位轉型、早期商家數位化、金融科技的快速創新以及傳統金融服務交付和消費模式的演變。在互通性、即時資料共享以及支援傳統銀行和新興品牌的可擴展技術框架的驅動下，印度API銀行生態系統正在成為全球開放銀行基礎設施的標準。

印度的API銀行市場正在經歷快速轉型，各銀行正加強與外部合作夥伴的協作，並推動聯合創新，以建立開放銀行平台。印度國家銀行（SBI）就是這一領域合作的典範。 2024年11月，SBI與APIX合作推出了SBI InnoHub，這是一個金融科技加速器，旨在促進與新創公司、開發者和技術供應商的合作。此舉標誌著在建立創新驅動型API銀行生態系統方面邁出了重要一步，該生態系統使傳統銀行能夠快速測試和部署新的數位服務，同時降低開發成本。

此類合作標誌著銀行業市場正向開放API模式發生重大轉變，該模式能夠靈活地為零售銀行、中小企業銀行和企業銀行提供服務。面對來自金融科技公司（Fintech）日益激烈的競爭，銀行渴望實現後端基礎設施現代化，提升互通性，加強生態系統協作，並在所有客戶互動中採用數位化優先的方法。 API銀行已不再是可選項；這是印度銀行業的未來。

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 印度 API 銀行服務市場展望，2019-2033 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
      • 平台
      • 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
      • 身分與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
      • 北部
      • 南部
      • 東部
      • 西部和中部
    • 市佔率分析公司
  • 2025 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
    • 印度國家銀行
      • 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/聯盟、合作、併購
    • 科塔克·馬欣德拉銀行
    • HDFC銀行
    • ICICI銀行
    • Yes銀行
    • Cashfree Payments India Pvt.有限公司
    • RBL銀行股份有限公司
    • 聯邦銀行股份有限公司
    • 印度工業銀行股份有限公司
    • 印度軸心銀行股份有限公司

以上列出的公司排名不分先後，排名依據為市場佔有率，並可能根據研究過程中獲得的資訊進行調整。

第十五章：策略建議

第十六章：研究公司資訊及免責聲明

Product Code: MX13896

India API Banking market is projected to witness a CAGR of 13.41% during the forecast period, FY2026-FY2033, growing from USD 2.32 billion in FY2025 to USD 6.35 billion in FY2033. The development in India's API banking market is being driven by the post-COVID-19 digitization dash, early-stage merchant digitization, rapid fintech innovation, and the evolution of the traditional financial services delivery and consumption model. The API banking ecosystem in India is emerging as a global standard for open banking infrastructure, facilitated by interoperability, real-time data sharing, and scalable technology frameworks that support both traditional banks and challenger brands.

India's API banking market is undergoing rapid transformation, with banks increasingly collaborating with and innovating alongside external partners to develop open banking platforms. A collaborative partner in this area is the State Bank of India (SBI), which worked with APIX to facilitate the SBI InnoHub in November 2024, a fintech accelerator that enables co-creation with startups, developers, and tech providers. This initiative is a crucial step toward advancing an innovation-led API banking ecosystem that enables traditional banks to quickly test and launch new digital services with lower development costs.

Partnerships such as this signify an important shift in the banking market toward an open API model that allows for flexible service delivery for retail, SME, and corporate banking services. With increasing competition from financial technology companies (fintech), banks are eager to modernize their back-end infrastructure, promote interoperability, foster ecosystem collaborations, and adopt a digital-first approach to engaging with all customers. API banking is no longer an option; it is the future of banking in India.

Regulatory Push is Propelling the API Banking Market Growth

The government's proactive digital policy served as a clear driver of growth, as India introduced interoperability for its digital payment systems across internet banking in March 2024. This is part of their broader range of financial inclusion, offering a seamless customer experience. This means there will be considerably less friction for customers when transacting across banks and platforms, in areas such as bill payments, fund transfers, and API-based automation.

This policy encourages banks and fintech to rethink their API stack architecture, not just by applying technical changes but by creating opportunities for scale. By doing so, they can enable secure and real-time interoperable transactions. These changes will also allow the integration of other critical APIs, such as KYC, consent-based data sharing, and identity verification, further positioning India as a leader in open banking adoption.

Platform Expansion by Digital-first Players

The API banking ecosystem in India is transforming as enterprise software companies venture into the fintech space.

For instance, in September 2024, Zoho launched Zoho Payments, a full-stack embedded finance platform for Indian businesses, which will allow users to accept and disburse payments, manage accounts, and automate financial workflows beyond disintermediation, using one interface powered by API integrations.

New offerings are enabling mid-sized businesses, startups, and digital-native firms to consume and connect to banking infrastructure, building their payment capabilities in a more API-led manner. API-led integrations will enable smaller firms to connect payment gateways, automate reconciliations, and embed credit or insurance. These offerings reveal a trend in which non-bank tech firms are emerging as key players and contributors to the API economy in India, forcing traditional banks to partner or adapt.

Payment Processing Segment is Dominating the API Banking Market in India

In terms of segmentation, the Payment Processing application remains the leading segment in India's API banking domain. For instance, in August 2024, BharatPe's recently rebranded PostPe platform to BharatPe a new consumer payments app. UPI TPAP is available on the Play Store for all Android users. The company has partnered with Unity Small Finance Bank to enable TPAP.

The app combines payments, credit, rewards, and all merchant discovery features with API backend systems. With BharatPe increasing its uptake in consumer payments, access to the API is crucial for real-time transaction capabilities, credit scoring systems, and analysis. This segment will continue to dominate because customers now look for seamless UPI payments, instant settlements, and in-app funding solutions. Other key API use cases, such as KYC, data aggregation, and account management, are maturing, but payment APIs will act as the cornerstone for most innovations in India.

Key Players Landscape and Outlook

Traditional banks are very active, along with fintech. Banks like HDFC Bank, ICICI Bank, Yes Bank, and Federal Bank all have API portals with over 100 endpoints for payments, account capabilities, KYC, and trade finance. New API enablers, such as Cashfree Payments and RBL Bank, are expanding the competition with their developer-friendly platforms, making India's ecosystem for API banking a competitive and dynamic one.

Flipkart is among the top influencers of API banking in India, with its latest offering (Flipkart SuperMoney) allowing customers to get cash back for every transaction, withdraw some money, or perform every activity done via the app. The embedded finance services indicate Flipkart's shift from e-commerce to fintech, powered through a robust API banking infrastructure that enables digital wallets, savings, and rewards.

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. India API Banking Market Outlook, FY2019-FY2033F

  • 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. Account & 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. North
      • 5.2.5.2. South
      • 5.2.5.3. East
      • 5.2.5.4. West and Central
    • 5.2.6. By Company Market Share Analysis (Top 5 Companies and Others - By Value, FY2025)
  • 5.3. Market Map Analysis, FY2025
    • 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. State Bank of India
      • 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. Kotak Mahindra Bank
    • 14.3.3. HDFC Bank Limited
    • 14.3.4. ICICI Bank Limited
    • 14.3.5. Yes Bank Limited
    • 14.3.6. Cashfree Payments India Pvt. Ltd.
    • 14.3.7. RBL Bank Limited
    • 14.3.8. Federal Bank Limited
    • 14.3.9. IndusInd Bank Limited
    • 14.3.10. Axis Bank Limited

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. India API Banking Market, By Value, In USD Billion, FY2019-FY2033F
  • Figure 2. India API Banking Market Share (%), By Component, FY2019-FY2033F
  • Figure 3. India API Banking Market Share (%), By Deployment Mode, FY2019-FY2033F
  • Figure 4. India API Banking Market Share (%), By Application, FY2019-FY2033F
  • Figure 5. India API Banking Market Share (%), By End-user, FY2019-FY2033F
  • Figure 6. India API Banking Market Share (%), By Region, FY2019-FY2033F
  • Figure 7. By Component Map-Market Size (USD Billion) & Growth Rate (%), FY2025
  • Figure 8. By Deployment Mode Map-Market Size (USD Billion) & Growth Rate (%), FY2025
  • Figure 9. By Application Type Map-Market Size (USD Billion) & Growth Rate (%), FY2025
  • Figure 10. By End-user Map-Market Size (USD Billion) & Growth Rate (%), FY2025
  • Figure 11. By Region Map-Market Size (USD Billion) & Growth Rate (%), FY2025