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市場調查報告書
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1822525

2032 年 B2B 金融科技與企業銀行市場預測：按解決方案類型、公司規模、最終用戶和地區進行的全球分析

B2B Fintech & Corporate Banking Market Forecasts to 2032 - Global Analysis By Solution Type, Enterprise Size (Large Enterprises and Small & Medium-sized Enterprises ), End User and By Geography
出版日期: | 出版商: Stratistics Market Research Consulting | 英文 200+ Pages | 商品交期: 2-3個工作天內

價格

根據 Stratistics MRC 的數據，全球 B2B 金融科技和企業銀行市場預計在 2025 年達到 129 億美元，到 2032 年將達到 266 億美元，預測期內的複合年成長率為 10.9%。

B2B金融科技與企業銀行解決方案為企業提供支付、貸款、資金管理和財務分析等數位金融服務。市場由對自動化、雲端基礎銀行和即時業務洞察的需求所驅動。提供者專注於安全性、整合和流程最佳化。目標用戶包括尋求經濟高效、可擴展且高效的金融解決方案的中小企業、大型企業和金融機構。數位化趨勢、監管變化以及對更高財務透明度、營運效率和無縫B2B銀行體驗的需求推動著該市場的成長。

根據印度儲備銀行的數據，2024 會計年度定期商業銀行的存款增加了 20.4 億盧比，反映出企業銀行業務活動強勁。

跨境貿易和匯款成長

跨境貿易和匯款的成長顯著擴大了對B2B金融科技和企業銀行解決方案的需求。企業越來越需要更快、更低成本的外匯結算、多幣種流動性工具以及可程式設計支付管道，以支援全球供應商網路和工資支付。非銀行服務供應商已佔據了相當一部分低價值流量，促使現有企業投資於API主導的平台、夥伴關係和嵌入式解決方案。此外，貿易單據的數位化、更豐富的資料流和即時分析正在提高營運資金的可視性，加速採用針對跨境業務量身定做的財務和現金管理服務，從而降低成本並增強控制力。

監管和合規的複雜性

對於B2B金融科技和企業銀行服務提供者而言，跨司法管轄區的監管和合規複雜性推高了成本，並減緩了產品推出的速度。不同的許可證制度、不同的反洗錢標準、資料本地化規則以及不一致的「了解你的客戶」要求，迫使企業建立客製化的合規堆疊並進行冗長的法律審查。此外，跨境資料傳輸限制和不同的稅務處理使整合平台的交付變得複雜。這些摩擦增加了產品上市時間，限制了擴充性，並增加了營運風險，迫使許多金融科技公司優先考慮針對特定區域的策略，或與已經遵守當地法規結構的現有企業合作。這些負擔往往會抑制投資並減緩創新。

嵌入式金融

嵌入式金融將支付、借貸和財務服務直接整合到非金融平台，開闢了重要的成長途徑。軟體供應商、交易平台和 ERP 供應商可以深化客戶互動，建立經常性收益流，並在需要時提供情境化融資。 BCG 和產業研究估計，該市場規模達數十億美元，但許多細分市場仍未充分滲透。此外，嵌入式服務可以降低金融服務提供者的客戶獲取成本，加速平台合作夥伴的收益，為中小企業提供客製化解決方案，提高企業客戶現金流的可預測性，並支援快速的全球擴張。

經濟衰退

景氣衰退和宏觀經濟波動可能會大幅減少交易量，萎縮企業信貸需求，並增加B2B金融科技和企業銀行生態系統的違約風險。跨境交易減少、客戶現金流受限以及信貸條件減弱可能會壓縮手續費收入，延長銷售週期，並給定價和利潤帶來壓力。此外，依賴資金籌措的金融科技公司可能面臨資金短缺，從而推遲產品開發和地理擴張。因此，服務提供者必須優先考慮資產負債表的韌性、謹慎的承保和收益模式的多元化，以抵禦週期性衝擊、確保穩定性並維護客戶信心。

COVID-19的影響：

疫情加速了企業和中小企業的數位化，推動了財務數位化、遠端入職和支付。銀行和金融科技公司擴展了雲端基礎的平台、API整合和即時支付管道，以應對供應鏈中斷和不斷變化的流動性需求。然而，新冠疫情暴露了人工流程中的漏洞，並給營運成本週期帶來了壓力。整體而言，這場危機促使企業加快技術應用，並提升了現金管理的韌性。

預計財務和現金管理部門將成為預測期內最大的部門

預計在預測期內，資金和現金管理領域將佔據最大的市場佔有率。隨著企業尋求減少現金摩擦並改進預測，對即時可視性、流動性最佳化和整合支付的需求日益成長，該領域將受益匪淺。銀行和金融科技公司正在提供雲端原生的TMS、API和分析服務，以實現銀行帳戶整合、對帳自動化、資金劃轉和外匯對沖。因此，大大小小的企業都在採用這些解決方案來更有效地管理營運成本、降低成本並滿足跨多個司法管轄區的監管報告要求。

預計中小企業板塊在預測期內的複合年成長率最高

預計中小企業 (SME) 細分市場將在預測期內呈現最高成長率。中小企業正迅速採用數位銀行、支付和嵌入式金融服務，以精簡應收帳款、獲取營運資金並簡化跨境交易。減少入職摩擦、與會計軟體的 API 整合以及客製化的貸款產品，使金融科技解決方案更具吸引力。此外，平台經濟效益和合作夥伴分銷優勢使其能夠快速實現規模化。因此，瞄準中小企業的金融科技公司能夠透過提供針對小型企業現金週期最佳化的打包式財務、支付和信貸產品，實現超額成長。

佔比最大的地區：

預計北美將在預測期內佔據最大的市場佔有率。該市場受益於成熟的銀行基礎設施、充足的創業投資池、廣泛的雲端運算應用以及尋求先進金融和支付解決方案的大型企業。金融科技的高採用率、有利的監管沙盒以及強大的交易生態系統正在加速其商業化進程。此外，美國擁有許多主要技術供應商、全球銀行和金融科技中心，支援快速的產品開發和夥伴關係關係，從而推動北美在B2B金融科技和企業銀行業務收益中佔據主導地位。

複合年成長率最高的地區：

預計亞太地區在預測期內的複合年成長率最高。數位支付的快速普及、銀行帳戶帳戶和銀行帳戶不足人群的線上使用、中小企業數量的快速成長以及行動裝置的普及，正在推動金融科技的普及。亞太地區各國政府正在實施開放銀行、UPI 等即時支付方式以及金融科技友善政策，從而刺激資金籌措和本地企業進行創新。因此，新興市場正在快速擴張，區域金融科技中心正在吸引人才和投資，亞太地區的跨境貿易也進一步推動了對綜合企業銀行和財務技術及服務的需求。

免費客製化服務：

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  • 公司簡介
    • 對最多三家其他市場公司進行全面分析
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    • 根據客戶興趣對主要國家進行的市場估計、預測和複合年成長率（註：基於可行性檢查）
  • 競爭基準化分析
    • 根據產品系列、地理分佈和策略聯盟對主要企業基準化分析

目錄

第1章執行摘要

第2章 前言

  • 概述
  • 相關利益者
  • 調查範圍
  • 調查方法
    • 資料探勘
    • 數據分析
    • 數據檢驗
    • 研究途徑
  • 研究材料
    • 主要研究資料
    • 次級研究資訊來源
    • 先決條件

第3章市場走勢分析

  • 驅動程式
  • 抑制因素
  • 機會
  • 威脅
  • 最終用戶分析
  • 新興市場
  • COVID-19的影響

第4章 波特五力分析

  • 供應商的議價能力
  • 買方的議價能力
  • 替代品的威脅
  • 新進入者的威脅
  • 競爭對手之間的競爭

5.全球B2B 金融科技與企業銀行市場（依解決方案類型）

  • 數位借貸平台
  • 貿易融資和供應鏈平台
  • 跨境支付和匯款
  • 企業卡和費用管理
  • 財務和現金管理
  • 其他解決方案類型

6.全球B2B 金融科技與企業銀行市場（依公司規模）

  • 主要企業
  • 小型企業

7.全球B2B 金融科技和企業銀行市場（按最終用戶）

  • 資訊科技/通訊
  • 製造業
  • 衛生保健
  • 零售與電子商務
  • BFSI
  • 其他最終用戶

8. 全球B2B金融科技及企業銀行市場（按地區）

  • 北美洲
    • 美國
    • 加拿大
    • 墨西哥
  • 歐洲
    • 德國
    • 英國
    • 義大利
    • 法國
    • 西班牙
    • 其他歐洲國家
  • 亞太地區
    • 日本
    • 中國
    • 印度
    • 澳洲
    • 紐西蘭
    • 韓國
    • 其他亞太地區
  • 南美洲
    • 阿根廷
    • 巴西
    • 智利
    • 南美洲其他地區
  • 中東和非洲
    • 沙烏地阿拉伯
    • 阿拉伯聯合大公國
    • 卡達
    • 南非
    • 其他中東和非洲地區

第9章：主要進展

  • 協議、夥伴關係、合作和合資企業
  • 收購與合併
  • 新產品發布
  • 業務擴展
  • 其他關鍵策略

第10章：企業概況

  • ACI Worldwide
  • Allica Bank
  • Adyen
  • Bank of America
  • BlackRock
  • Brex
  • Citi
  • Fiserv
  • Intuit
  • NCino
  • PayPal
  • Pine Labs
  • Revolut
  • Rakuten Card
  • Stripe
  • Sunrate
  • Wells Fargo
  • Wise
Product Code: SMRC31280

According to Stratistics MRC, the Global B2B Fintech & Corporate Banking Market is accounted for $12.9 billion in 2025 and is expected to reach $26.6 billion by 2032 growing at a CAGR of 10.9% during the forecast period. B2B fintech and corporate banking solutions provide digital financial services to enterprises, including payments, lending, treasury management, and financial analytics. The market is driven by automation, cloud-based banking, and demand for real-time business insights. Providers focus on security, integration, and process optimization. Target users include SMEs, large corporations, and financial institutions seeking cost-effective, scalable, and efficient financial solutions. Growth is supported by digitization trends, regulatory changes, and the need for enhanced financial transparency, operational efficiency, and seamless business-to-business banking experiences.

According to the Reserve Bank of India, scheduled commercial banks reported ₹2.04 lakh crore in deposit growth in FY24, reflecting strong corporate banking activity.

Market Dynamics:

Driver:

Growth in cross-border trade & remittance

Growth in cross-border trade and remittances has materially expanded demand for B2B fintech and corporate banking solutions. Firms increasingly require faster, lower-cost foreign-exchange settlement, multi-currency liquidity tools and programmable payment rails to support global supplier networks and payrolls. Nonbank providers captured a large share of low-value flows, prompting incumbents to invest in API-led platforms, partnerships and embedded solutions. Furthermore, digitisation of trade documentation, richer data flows and real-time analytics improve working-capital visibility, accelerating adoption of treasury and cash-management services tailored to cross-border operations. It reduces costs and tightens controls.

Restraint:

Regulatory and compliance complexity across jurisdictions

Regulatory and compliance complexity across jurisdictions raises costs and slows product rollouts for B2B fintech and corporate banking providers. Varied licensing regimes, differing anti-money-laundering standards, data-localisation rules and inconsistent know-your-customer requirements force firms into bespoke compliance stacks and lengthy legal reviews. Additionally, cross-border data transfer constraints and divergent tax treatments complicate integrated platform offerings. These frictions increase time-to-market, restrict scalability and elevate operational risk, compelling many fintechs to prioritise region-specific strategies or partner with incumbents that already navigate local regulatory frameworks. Such burdens often deter investment and slow innovation.

Opportunity:

Embedded finance

Embedded finance presents a significant avenue for growth by integrating payments, lending and treasury services directly into nonfinancial platforms. Software vendors, marketplaces and ERP providers can deepen customer engagement, create recurring revenue streams and offer contextual financing at point of need. BCG and industry studies estimate a multi-billion dollar addressable market, with many segments still underpenetrated. Moreover, embedded offerings reduce customer acquisition costs for financial providers and accelerate monetisation for platform partners, enabling tailored SME solutions and improving cash flow predictability for corporate clients, and supporting faster scaling globally.

Threat:

Economic downturns

Economic downturns and macroeconomic volatility can materially reduce transaction volumes, shrink corporate credit demand and heighten default risks for B2B fintech and corporate banking ecosystems. Lower cross-border trade, constrained client cash flows and tighter credit conditions compress fee income and lengthen sales cycles, pressuring pricing and margins. Additionally, fintechs that rely on venture funding may face capital scarcity, slowing product development and geographic expansion. As a result, providers must prioritise balance-sheet resilience, conservative underwriting and diversified revenue models to withstand cyclical shocks and ensure stability and maintain client trust.

Covid-19 Impact:

The pandemic accelerated digital adoption among corporates and SMEs, pushing treasury digitisation, remote onboarding and payments. Banks and fintechs expanded cloud-based platforms, API integrations and instant-pay rails to support disrupted supply chains and changing liquidity needs. However, COVID-19 exposed vulnerabilities in manual processes and strained working-capital cycles, prompting renewed focus on automation and risk monitoring. Overall, the crisis acted as a catalyst for faster technology adoption and more resilient corporate cash management practices.

The treasury & cash management segment is expected to be the largest during the forecast period

The treasury & cash management segment is expected to account for the largest market share during the forecast period. This category benefits from rising demand for real-time visibility, liquidity optimisation and integrated payments as corporates seek to reduce cash friction and improve forecasting. Banks and fintechs are offering cloud-native TMS, APIs and analytics to consolidate bank accounts, automate reconciliations and enable sweep, FX hedging. Consequently, larger enterprises and SMEs adopt these solutions to manage working capital more efficiently, reduce costs and meet regulatory reporting requirements across multiple jurisdictions.

The small & medium-sized enterprises (SMEs) segment is expected to have the highest CAGR during the forecast period

Over the forecast period, the small & medium-sized enterprises (SMEs) segment is predicted to witness the highest growth rate. SMEs are rapidly adopting digital banking, payments and embedded financial services to streamline receivables, access working-capital and simplify cross-border trade. Lower onboarding friction, API integrations with accounting software and tailored lending products make fintech solutions attractive. Additionally, platform economics and partner distribution enable rapid scale. Consequently, fintechs targeting SMEs can capture disproportionate growth by offering packaged treasury, payments and credit products optimized for smaller corporate cash cycles.

Region with largest share:

During the forecast period, the North America region is expected to hold the largest market share. The market benefits from a mature banking infrastructure, deep venture capital pools, widespread cloud adoption and large corporates demanding advanced treasury and payments solutions. High fintech penetration, favourable regulatory sandboxes and strong merchant-of-record ecosystems accelerate productisation. Moreover, leading technology providers, global banks and fintech hubs in the United States support rapid product development and partnerships that together sustain North America's dominant share of B2B fintech and corporate banking revenues.

Region with highest CAGR:

Over the forecast period, the Asia Pacific region is anticipated to exhibit the highest CAGR. Rapid digital payments adoption, large unbanked and underbanked segments moving online, fast-growing SME populations and heavy mobile penetration drive fintech adoption. Governments across APAC are enabling open-banking, UPI-like instant rails and fintech-friendly policies, while venture funding and local incumbents fuel innovation. Consequently, nascent markets scale quickly, regional fintech hubs attract talent and investment, and cross-border trade within APAC further amplifies demand for integrated corporate banking and treasury technologies and services.

Key players in the market

Some of the key players in B2B Fintech & Corporate Banking Market include ACI Worldwide, Allica Bank, Adyen, Bank of America, BlackRock, Brex, Citi, Fiserv, Intuit, NCino, PayPal, Pine Labs, Revolut, Rakuten Card, Stripe, Sunrate, Wells Fargo, and Wise.

Key Developments:

In September 2025, nCino launched ProBanker by FullCircl in the UK. This solution helps UK lenders manage risk and identify opportunity across business portfolios. It gives near real-time visibility into credit status, liquidity & exposure, enabling earlier detection of risk, faster funding decisions.

In August 2025 (at EBAday), ACI introduced a transformative unified, cloud-native platform aimed at enabling banks to centralize processing of all payment types. This is relevant for corporate/transaction banking where banks often deal with varied payment types.

In July 2025, ACI and iNet extended their partnership to bolster fintech growth in Saudi Arabia.

Solution Types Covered:

  • Digital Lending Platforms
  • Trade Finance & Supply Chain Platforms
  • Cross-Border Payments & Remittance
  • Corporate Cards & Expense Management
  • Treasury & Cash Management
  • Other Solution Types

Enterprise Sizes:

  • Large Enterprises
  • Small & Medium-sized Enterprises (SMEs)

End Users Covered:

  • IT & Telecom
  • Manufacturing
  • Healthcare
  • Retail & E-commerce
  • BFSI
  • Other End Users

Regions Covered:

  • North America
    • US
    • Canada
    • Mexico
  • Europe
    • Germany
    • UK
    • Italy
    • France
    • Spain
    • Rest of Europe
  • Asia Pacific
    • Japan
    • China
    • India
    • Australia
    • New Zealand
    • South Korea
    • Rest of Asia Pacific
  • South America
    • Argentina
    • Brazil
    • Chile
    • Rest of South America
  • Middle East & Africa
    • Saudi Arabia
    • UAE
    • Qatar
    • South Africa
    • Rest of Middle East & Africa

What our report offers:

  • Market share assessments for the regional and country-level segments
  • Strategic recommendations for the new entrants
  • Covers Market data for the years 2024, 2025, 2026, 2028, and 2032
  • Market Trends (Drivers, Constraints, Opportunities, Threats, Challenges, Investment Opportunities, and recommendations)
  • Strategic recommendations in key business segments based on the market estimations
  • Competitive landscaping mapping the key common trends
  • Company profiling with detailed strategies, financials, and recent developments
  • Supply chain trends mapping the latest technological advancements

Free Customization Offerings:

All the customers of this report will be entitled to receive one of the following free customization options:

  • Company Profiling
    • Comprehensive profiling of additional market players (up to 3)
    • SWOT Analysis of key players (up to 3)
  • Regional Segmentation
    • Market estimations, Forecasts and CAGR of any prominent country as per the client's interest (Note: Depends on feasibility check)
  • Competitive Benchmarking
    • Benchmarking of key players based on product portfolio, geographical presence, and strategic alliances

Table of Contents

1 Executive Summary

2 Preface

  • 2.1 Abstract
  • 2.2 Stake Holders
  • 2.3 Research Scope
  • 2.4 Research Methodology
    • 2.4.1 Data Mining
    • 2.4.2 Data Analysis
    • 2.4.3 Data Validation
    • 2.4.4 Research Approach
  • 2.5 Research Sources
    • 2.5.1 Primary Research Sources
    • 2.5.2 Secondary Research Sources
    • 2.5.3 Assumptions

3 Market Trend Analysis

  • 3.1 Introduction
  • 3.2 Drivers
  • 3.3 Restraints
  • 3.4 Opportunities
  • 3.5 Threats
  • 3.6 End User Analysis
  • 3.7 Emerging Markets
  • 3.8 Impact of Covid-19

4 Porters Five Force Analysis

  • 4.1 Bargaining power of suppliers
  • 4.2 Bargaining power of buyers
  • 4.3 Threat of substitutes
  • 4.4 Threat of new entrants
  • 4.5 Competitive rivalry

5 Global B2B Fintech & Corporate Banking Market, By Solution Type

  • 5.1 Introduction
  • 5.2 Digital Lending Platforms
  • 5.3 Trade Finance & Supply Chain Platforms
  • 5.4 Cross-Border Payments & Remittance
  • 5.5 Corporate Cards & Expense Management
  • 5.6 Treasury & Cash Management
  • 5.7 Other Solution Types

6 Global B2B Fintech & Corporate Banking Market, By Enterprise Size

  • 6.1 Introduction
  • 6.2 Large Enterprises
  • 6.3 Small & Medium-sized Enterprises (SMEs)

7 Global B2B Fintech & Corporate Banking Market, By End User

  • 7.1 Introduction
  • 7.2 IT & Telecom
  • 7.3 Manufacturing
  • 7.4 Healthcare
  • 7.5 Retail & E-commerce
  • 7.6 BFSI
  • 7.7 Other End Users

8 Global B2B Fintech & Corporate Banking Market, By Geography

  • 8.1 Introduction
  • 8.2 North America
    • 8.2.1 US
    • 8.2.2 Canada
    • 8.2.3 Mexico
  • 8.3 Europe
    • 8.3.1 Germany
    • 8.3.2 UK
    • 8.3.3 Italy
    • 8.3.4 France
    • 8.3.5 Spain
    • 8.3.6 Rest of Europe
  • 8.4 Asia Pacific
    • 8.4.1 Japan
    • 8.4.2 China
    • 8.4.3 India
    • 8.4.4 Australia
    • 8.4.5 New Zealand
    • 8.4.6 South Korea
    • 8.4.7 Rest of Asia Pacific
  • 8.5 South America
    • 8.5.1 Argentina
    • 8.5.2 Brazil
    • 8.5.3 Chile
    • 8.5.4 Rest of South America
  • 8.6 Middle East & Africa
    • 8.6.1 Saudi Arabia
    • 8.6.2 UAE
    • 8.6.3 Qatar
    • 8.6.4 South Africa
    • 8.6.5 Rest of Middle East & Africa

9 Key Developments

  • 9.1 Agreements, Partnerships, Collaborations and Joint Ventures
  • 9.2 Acquisitions & Mergers
  • 9.3 New Product Launch
  • 9.4 Expansions
  • 9.5 Other Key Strategies

10 Company Profiling

  • 10.1 ACI Worldwide
  • 10.2 Allica Bank
  • 10.3 Adyen
  • 10.4 Bank of America
  • 10.5 BlackRock
  • 10.6 Brex
  • 10.7 Citi
  • 10.8 Fiserv
  • 10.9 Intuit
  • 10.10 NCino
  • 10.11 PayPal
  • 10.12 Pine Labs
  • 10.13 Revolut
  • 10.14 Rakuten Card
  • 10.15 Stripe
  • 10.16 Sunrate
  • 10.17 Wells Fargo
  • 10.18 Wise

List of Tables

  • 1 Global B2B Fintech & Corporate Banking Market Outlook, By Region (2024-2032) ($MN)
  • 2 Global B2B Fintech & Corporate Banking Market Outlook, By Solution Type (2024-2032) ($MN)
  • 3 Global B2B Fintech & Corporate Banking Market Outlook, By Digital Lending Platforms (2024-2032) ($MN)
  • 4 Global B2B Fintech & Corporate Banking Market Outlook, By Trade Finance & Supply Chain Platforms (2024-2032) ($MN)
  • 5 Global B2B Fintech & Corporate Banking Market Outlook, By Cross-Border Payments & Remittance (2024-2032) ($MN)
  • 6 Global B2B Fintech & Corporate Banking Market Outlook, By Corporate Cards & Expense Management (2024-2032) ($MN)
  • 7 Global B2B Fintech & Corporate Banking Market Outlook, By Treasury & Cash Management (2024-2032) ($MN)
  • 8 Global B2B Fintech & Corporate Banking Market Outlook, By Other Solution Types (2024-2032) ($MN)
  • 9 Global B2B Fintech & Corporate Banking Market Outlook, By Enterprise Size (2024-2032) ($MN)
  • 10 Global B2B Fintech & Corporate Banking Market Outlook, By Large Enterprises (2024-2032) ($MN)
  • 11 Global B2B Fintech & Corporate Banking Market Outlook, By Small & Medium-sized Enterprises (SMEs) (2024-2032) ($MN)
  • 12 Global B2B Fintech & Corporate Banking Market Outlook, By End User (2024-2032) ($MN)
  • 13 Global B2B Fintech & Corporate Banking Market Outlook, By IT & Telecom (2024-2032) ($MN)
  • 14 Global B2B Fintech & Corporate Banking Market Outlook, By Manufacturing (2024-2032) ($MN)
  • 15 Global B2B Fintech & Corporate Banking Market Outlook, By Healthcare (2024-2032) ($MN)
  • 16 Global B2B Fintech & Corporate Banking Market Outlook, By Retail & E-commerce (2024-2032) ($MN)
  • 17 Global B2B Fintech & Corporate Banking Market Outlook, By BFSI (2024-2032) ($MN)
  • 18 Global B2B Fintech & Corporate Banking Market Outlook, By Other End Users (2024-2032) ($MN)