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市場調查報告書
商品編碼
1890433

日本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）

Japan 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 105 Pages | 商品交期: 3-5個工作天內

價格

預計日本API銀行市場將以13.24%的複合年增長率成長，從2025年的26.1億美元成長到2033年的70.6億美元。這一增長是由多種因素共同推動的，包括監管改革、人口結構變化以及日益密切的國際合作。日本正在轉型其傳統的金融服務生態系統，索尼銀行、三菱日聯金融集團和瑞穗銀行等主要金融機構正在快速將其傳統銀行系統數位化，以建立更靈活、支援API的基礎設施。這與日本促進金融科技領域創新和效率的國家策略相契合，有助於金融機構更輕鬆地與國際標準接軌。向開放金融的轉型也加速了非傳統支付服務提供者、數位優先銀行和技術供應商的發展。

日本的API銀行業正在經歷一場由領先企業引領的先進數位轉型。

例如，索尼銀行於2025年5月遷移到基於SaaS架構的全新雲端原生核心銀行系統。這標誌著日本銀行業正在發生更廣泛的範式轉變，轉向可配置、靈活的銀行系統，以支援開放API的集成，從而為銀行提供更大的靈活性和創新能力。索尼銀行遷移到nCino平台，清晰地展現了其持續致力於替換傳統系統，以支援模組化API銀行模式的組織承諾。這種模式能夠實現模組化服務交付、即時數據和第三方連接。

這項變革為零售和企業銀行業可擴展的、API優先的銀行服務奠定了基礎，同時為內部改進和開發人員提供了外部存取管道。隨著日本傳統銀行面臨來自新型銀行和金融科技公司的挑戰，採用開放式API必須成為銀行基礎設施現代化的關鍵槓桿。樂天銀行、GMO青空網路銀行和日本網路銀行（PayPay銀行）等金融機構正在擴大其證券化產品供應，這是其多方面組織現代化努力的一部分，凸顯了日本銀行業向數位化銀行靈活性的系統性轉變。

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 日本 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
      • 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
      • 北部（北海道和東北）
      • 南部（關西、中國、四國、九州和沖繩]
      • 中部地區 [關東和中部]
    • 依公司劃分的市佔率分析
  • 2025 財政年度市場地圖分析
    • 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（盡力而為）

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
    • 國立暗信網路銀行股份有限公司
      • 公司詳情
      • 關鍵管理者
      • 產品與服務
      • 財務資訊（已公佈）
      • 主要市場趨勢與地域擴張
      • 近期發展/聯盟/合作/併購
      • 索尼銀行股份有限公司
      • 樂天銀行股份有限公司
      • GMO青空日本網路銀行股份有限公司
      • 日本網路銀行（PayPay銀行）
      • 瑞穗銀行股份有限公司
      • 三菱日聯銀行股份有限公司
      • Resona銀行股份有限公司
      • 芙蓉資訊系統株式會社
      • TIS株式會社

以上公司排名並非基於市場佔有率，且可能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：調查公司資訊及免責聲明

Product Code: MX13897

Japan API Banking market is projected to witness a CAGR of 13.24% during the forecast period, FY2026-FY2033, growing from USD 2.61 billion in FY2025 to USD 7.06 billion in FY2033. The Japan API banking market is being propelled by a combination of regulatory reform, demographic shifts, and increased international cooperation. Japan is reforming its traditional financial services ecosystem, and the hasty digitization of legacy banking systems in larger institutions, such as Sony Bank, MUFG, and Mizuho, has created a more agile and API-ready infrastructure. This is also in line with Japan's broader national strategy to innovate in Fintech and improve efficiencies, while helping financial institutions interact more easily with international standards. We are also seeing accelerated development by non-traditional payment entities, digital-first banks, and technology vendors as Japan moves toward open finance.

Japan's API banking industry is undergoing an advanced digital transformation process led by major entities.

For instance, in May 2025, Sony Bank, Inc., recently migrated to a new cloud-native core banking system entirely based on SaaS architecture. This illustrates Japan's widespread paradigm shift toward composable, flexible banking systems that support the integration of open APIs, offering banks increased flexibility and innovation. Sony Bank's transition to the nCino platform clearly illustrates a sustained institutional commitment to replacing legacy systems supporting a modular approach to API banking. This approach enables service delivery on a modular basis, real-time data, and third-party connections.

This change can provide internal improvements and external access for developers, while laying the foundation for scalable API-first banking services in retail banking and corporate banking. As traditional Japanese banks face increasing challenges from neobanks and fintechs, open API adoption must become a key avenue for modernizing their banking infrastructure. Institutions such as Rakuten Bank, GMO Aozora Net Bank, and Japan Net Bank (PayPay Bank) are enhancing their securitized offerings as a part of the multi-faceted modernization of their institutions, which substantiates a systemic trend in Japanese banking toward flexibility in digitized banking.

Cross-border Payment Expansion and Fintech Inclusion

The API banking sector in Japan is undergoing a rapid change due to increased overseas fintech activity.

For instance, in October 2024, Wise Japan became the first foreign-owned company to connect to Japan's payment clearing network, enabling it to transfer its clients' money smoothly across borders through local banking rails. This represents a pivotal moment in history, reflecting how agnostic regulation and a well-developed API ecosystem are fundamentally changing the way companies access Japan's domestic financial infrastructure. In Wise's API-enabled model, users can avoid traditional remittance payments and benefit from faster and cheaper cross-border payments.

The onboarding of global fintech players, such as Wise, demonstrates how Japan is fostering an interoperable environment for real-time, international payment services utilizing APIs. This progression benefits consumers, small and medium-sized enterprises (SMEs), and exporters by providing transparency and efficiency in financial services. Traditional financial institutions with an API focus, such as MUFG Bank, Mizuho Bank, and Resona Bank, are paying close attention and investing in overseas API capabilities to remain relevant and competitive.

Card Network and Gateway Integration is helping to grow the API Banking Market in Japan

Deeper integrations of card networks also aid API banking in Japan. For example, in November 2023, Stripe and JCB expanded their partnership to offer more access to JCB's payment network for global e-commerce merchants. This integration with Stripe's powerful API platform will simplify onboarding and payment processing for Japanese businesses in international markets. It will also allow JCB payments for millions of businesses that are already integrated with Stripe's APIs, thus providing greater financial inclusivity and facilitating scalable cross-border commerce.

Such developments are also encouraging traditional financial institutions to provide APIs for developers to keep pace with fintechs. Financial institutions, such as the State Sumishin Net Bank and Fuyo Information Systems Co., Ltd., are updating and improving their API interfaces to provide payment scenarios that match the new possibilities these payment networks offer. These developments are highlighting payment gateway APIs as the bedrock of Japan's open banking evolution.

Dominance of Account & Transaction Management APIs in the Market

The Account & Transaction Management application segment is the number one area in Japan's API banking ecosystem. This increased due to national-level initiatives, including reforms implemented in November 2024., when Japan's three megabanks, MUFG, Mizuho, and SMBC, will integrate stablecoins via SWIFT rails across their banking systems to facilitate cross-border payments. These initiatives will leverage secure, real-time, account-level APIs for tracking, managing, and reconciling multi-currency payments, demonstrating Japan's shift toward programmable finance. More generally, account APIs facilitate settlement and treasury services, as well as deposit tokenization and smart contract execution. They are becoming increasingly critical in the context of stablecoin-backed financial products. Firms such as Rakuten Bank and TIS Inc. plan to further scale their API offerings to prepare for changes in settlement standards and to help protect their TP infrastructure.

Key Players Landscape and Outlook

The competitive dynamics in Japan's API banking market are changing rapidly, as illustrated by recent research from July 2024, which highlights Japanese banks' digital transformation strategies and the Tailwind of higher interest rates. Traditional banks are evaluating how to carry forward their presence in the API space by investing in open API systems to improve efficiencies, manage their interest margins, and reposition themselves strategically. This shift is not only about upgrading technology, but also about how they redefined the value proposition for banks. For example, Fuyo Information Systems Co., Ltd. and TIS Inc. appear through the API structure as B2B integration players, working with banks to manage APIs for key use cases such as trade finance, SME lending, and corporate treasury.

On the other hand, traditional retail players, the open Bank such as Sony Bank, Rakuten Bank, and GMO Aozora Net Bank, are considering customer-facing APIs to enhance their embedded finance, automated savings, and robo-advisory features. Overall, these things, when viewed together, define an incredibly fast-moving and competitive API market in Japan, where legacy institutions and new entrants are preparing to reposition themselves for continuing relevance in the digital landscape.

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. Japan 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 [Hokkaido and Tohoku]
      • 5.2.5.2. South [Kansai, Chugoku, Shikoku, and Kyushu & Okinawa]
      • 5.2.5.3. Central [Kanto and Chubu]
    • 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 Sumishin Net Bank, Ltd.
      • 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 Acquisition
    • 14.3.2. Sony Bank, Inc.
    • 14.3.3. Rakuten Bank Ltd.
    • 14.3.4. GMO Aozora Net Bank, Ltd.
    • 14.3.5. Japan Net Bank (PayPay Bank)
    • 14.3.6. Mizuho Bank, Ltd.
    • 14.3.7. MUFG Bank, Ltd.
    • 14.3.8. Resona Bank, Ltd.
    • 14.3.9. Fuyo Information Systems Co., Ltd.
    • 14.3.10. TIS Inc.

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. Japan API Banking Market, By Value, In USD Billion, FY2019-FY2033F
  • Figure 2. Japan API Banking Market Share (%), By Component, FY2019-FY2033F
  • Figure 3. Japan API Banking Market Share (%), By Deployment Mode, FY2019-FY2033F
  • Figure 4. Japan API Banking Market Share (%), By Application, FY2019-FY2033F
  • Figure 5. Japan API Banking Market Share (%), By End-user, FY2019-FY2033F
  • Figure 6. Japan 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