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市場調查報告書
商品編碼
2037465
核心銀行系統轉型市場預測—全球轉型策略、轉型方法、技術基礎設施、服務和最終用戶分析—2034年Core Banking Transformation Market Forecasts to 2034 - Global Analysis By Transformation Strategy, Transformation Approach, Technology Enablement, Service, and End User |
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全球核心銀行系統轉型市場預計到 2026 年將達到 125.7 億美元,並在預測期內以 6.8% 的複合年成長率成長,到 2034 年達到 217.7 億美元。
核心銀行系統轉型是指以現代化的、數位化優先的平台升級或取代傳統的銀行系統。這項轉型包括雲端遷移、API整合以及採用人工智慧和自動化等先進技術。這使銀行能夠提高敏捷性、降低營運成本並提供創新的金融服務。轉型工作支援數位銀行、開放銀行和改善客戶體驗。來自金融科技公司日益激烈的競爭以及不斷變化的客戶期望正促使銀行加強對核心銀行系統轉型策略的投資。
對舊有系統進行現代化改造的努力正在不斷增加。
金融機構正積極主動地以現代雲端原生平台取代過時的單體系統。舊有系統往往缺乏敏捷性、擴充性和整合能力,導致客戶服務和合規效率低。現代化的轉型解決方案能夠實現即時處理、打造數位化優先的客戶體驗,並提升監管合規性。全球銀行業生態系統向數位轉型的趨勢正在進一步加速這一現代化進程。這些努力共同確保了對核心銀行轉型解決方案的持續需求。
對組織變革的抵制
核心銀行系統的轉型需要重組工作流程、重新培訓員工並改變長期以來的做法。由於擔心不熟悉和會造成混亂,員工和經營團隊可能會對採用新系統猶豫不決。金融機構在實施期間面臨著應對文化和營運阻力的挑戰。小規模的銀行可能會延遲實施,以避免內部摩擦和資源緊張。如果沒有有效的變革管理策略,這種阻力會減緩轉型的腳步。
模組化和可組合的銀行架構
採用模組化組件設計的平台使金融機構能夠逐步部署功能,從而降低風險和成本。可組合系統能夠柔軟性與金融科技生態系統、API 和第三方應用程式整合。金融機構可從中受益,降低部署複雜性並提高可擴展性。提供模組化解決方案的供應商正在加速其在各類金融機構的應用。隨著對敏捷、以客戶為中心的銀行業務的需求不斷成長,可組合架構將推動該領域的顯著發展。
供應商鎖定風險
嚴重依賴單一供應商的金融機構可能因高昂的遷移成本和技術依賴性而面臨平台轉換的挑戰。缺乏柔軟性會削弱其議價能力和創新潛力。此外,如果供應商未能適應不斷變化的監管和技術需求,供應商鎖定也會為金融機構帶來風險。缺乏開放標準和互通性,供應商鎖定風險可能會阻礙轉型解決方案的長期應用。
隨著金融機構面臨日益成長的數位化需求,新冠疫情加速了核心銀行體系轉型。銀行高度依賴現代化平台來維持遠端營運的連續性和數位化客戶參與。對提供分階段過渡和託管服務的平台的需求激增。然而,疫情也凸顯了預算限制和區域採用差異等挑戰。後疫情時代,結合雲端原生和舊有系統整合的混合轉型模式日益受到重視。預計這些變化將從長遠角度重塑核心銀行體系供應商的策略。
在預測期內,分階段過渡部分預計將佔最大佔有率。
預計在預測期內,分階段過渡方案將佔據最大的市場佔有率。這是因為金融機構越來越重視可控的、分階段的現代化。銀行可以從中受益,降低營運風險,實現平穩過渡。供應商透過提供靈活的過渡框架來促進採用。數位化優先銀行業務的興起進一步加速了這項需求。全球金融機構的廣泛應用確保了持續成長。
在預測期內,託管服務領域預計將呈現最高的複合年成長率。
在預測期內,由於對外部專業知識的依賴性增強,託管服務領域預計將呈現最高的成長率。金融機構正從降低成本和提高營運彈性的角度出發,優先考慮託管服務。提供端到端轉型支援的供應商正在加速推廣應用。雲端原生平台的興起更強化了市場需求。
在預測期內,由於北美在現代化方面的大力投資,預計該地區將佔據最大的市場佔有率。美國和加拿大的金融機構正積極採用分階段過渡策略來取代舊有系統。主要技術供應商的存在正在推動該地區的成長。轉型平台、合規框架和數位銀行生態系統的整合進一步推動了科技的普及。政府主導的旨在提高金融透明度的措施也正在加速推進。憑藉成熟的市場和較高的數位化滲透率,北美將繼續保持其主導地位。
在預測期內,亞太地區預計將呈現最高的複合年成長率,這主要得益於核心系統現代化需求的不斷成長。印度、中國和東南亞等國家正在對模組化和雲端銀行平台進行大量投資。中產階級的壯大和行動優先銀行服務的普及正在加速這一需求。政府推動普惠金融和金融科技融合的措施也進一步促進了這些平台的採用。從區域性銀行到跨國公司,多元化的機構環境創造了廣泛的市場機會。憑藉強勁的經濟成長和不斷增加的銀行基礎設施投資,亞太地區將繼續保持其作為成長最快區域市場的地位。
According to Stratistics MRC, the Global Core Banking Transformation Market is accounted for $12.57 billion in 2026 and is expected to reach $21.77 billion by 2034 growing at a CAGR of 6.8% during the forecast period. Core Banking Transformation involves upgrading or replacing legacy banking systems with modern, digital-first platforms. This transformation includes cloud migration, API integration, and adoption of advanced technologies such as AI and automation. It enables banks to improve agility, reduce operational costs, and deliver innovative financial services. Transformation initiatives support digital banking, open banking, and enhanced customer experiences. Growing competition from fintechs and evolving customer expectations are driving banks to invest in core banking transformation strategies.
Legacy modernization initiatives increasing
Financial institutions are actively replacing outdated, monolithic systems with modern, cloud-native platforms. Legacy systems often lack agility, scalability, and integration capabilities, creating inefficiencies in customer service and compliance. Modern transformation solutions enable real-time processing, digital-first customer experiences, and improved regulatory alignment. The push toward digital transformation across global banking ecosystems further accelerates modernization efforts. Collectively, these initiatives ensure sustained demand for core banking transformation solutions.
Resistance to organizational change
Core banking transformation requires restructuring workflows, retraining staff, and altering long-standing practices. Employees and management may be hesitant to adopt new systems due to unfamiliarity or fear of disruption. Institutions face challenges in managing cultural and operational resistance during implementation. Smaller banks may delay adoption to avoid internal friction and resource strain. Without effective change management strategies, resistance can slow the pace of transformation.
Modular and composable banking architecture
Platforms designed with modular components allow institutions to adopt features incrementally, reducing risk and cost. Composable systems provide flexibility to integrate with fintech ecosystems, APIs, and third-party applications. Institutions benefit from reduced implementation complexity and improved scalability. Vendors offering modular solutions strengthen adoption among diverse financial institutions. As demand for agile, customer-centric banking grows, composable architecture will drive significant expansion in the sector.
Vendor lock-in risks
Institutions relying heavily on a single provider may face challenges in switching platforms due to high migration costs and technical dependencies. Limited flexibility reduces bargaining power and innovation potential. Vendor lock-in can also expose institutions to risks if providers fail to adapt to evolving regulatory or technological needs. Without open standards and interoperability, lock-in risks may hinder long-term adoption of transformation solutions.
The Covid-19 pandemic accelerated adoption of core banking transformation as institutions faced heightened digital demands. Banks relied heavily on modern platforms to sustain continuity in remote operations and digital customer engagement. Platforms offering phased migration and managed services saw a surge in demand. However, the pandemic also highlighted challenges such as budget constraints and uneven adoption across regions. Post-pandemic, hybrid transformation models combining cloud-native systems with legacy integration are gaining traction. These shifts are expected to reshape strategies for core banking providers in the long term.
The phased migration segment is expected to be the largest during the forecast period
The phased migration segment is expected to account for the largest market share during the forecast period as institutions increasingly value controlled, incremental modernization. Banks benefit from reduced operational risks and smoother transitions. Vendors reinforce adoption by offering flexible migration frameworks. The rise of digital-first banking further accelerates demand. Widespread accessibility across global institutions ensures sustained growth.
The managed services segment is expected to have the highest CAGR during the forecast period
Over the forecast period, the managed services segment is predicted to witness the highest growth rate due to increasing reliance on outsourced expertise. Institutions value managed services for their ability to reduce costs and improve operational resilience. Vendors offering end-to-end transformation support accelerate adoption. The rise of cloud-native platforms further strengthens demand.
During the forecast period, the North America region is expected to hold the largest market share owing to strong investment in modernization. U.S. and Canadian institutions actively adopt phased migration strategies to replace legacy systems. The presence of leading technology providers reinforces regional growth. Adoption is further supported by integration of transformation platforms with compliance frameworks and digital banking ecosystems. Government-backed initiatives promoting financial transparency add momentum. With established markets and high digital penetration, North America will remain the dominant region.
Over the forecast period, the Asia Pacific region is anticipated to exhibit the highest CAGR driven by rising demand for core modernization. Countries such as India, China, and Southeast Asia are investing heavily in modular and cloud-based banking platforms. Expanding middle-class demographics and increasing mobile-first banking accelerate demand. Government initiatives promoting financial inclusion and fintech integration further reinforce adoption. Diverse institutional environments, from regional banks to multinational corporations, create broad market opportunities. With strong economic growth and rising investments in banking infrastructure, Asia Pacific will remain the fastest-growing regional market.
Key players in the market
Some of the key players in Core Banking Transformation Market include Accenture plc, Capgemini SE, Tata Consultancy Services Ltd., Infosys Ltd., Wipro Limited, Cognizant Technology Solutions, Deloitte Touche Tohmatsu Limited, IBM Corporation, Oracle Corporation, SAP SE, Temenos AG, Finastra, Mambu GmbH, Thought Machine Group and Zafin.
In December 2025, Oracle officially launched a new operating layer for core banking that utilizes fleets of specialized AI agents to orchestrate end-to-end services. This product launch allows banks to deploy "thin, feature-rich cores" that act as task executors, enabling autonomous management of FX hedging and payment optimization without requiring a full system overhaul.
In August 2025, Thought Machine and HCLTech officially entered into a global partnership to accelerate cloud-led core transformation for mid-sized and large financial institutions. This collaboration combines HCLTech's engineering scale with Thought Machine's "Vault Core" technology to help banks replace brittle legacy code with modern, highly configurable transaction engines.
Note: Tables for North America, Europe, APAC, South America, and Rest of the World (RoW) are also represented in the same manner as above.