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市場調查報告書
商品編碼
1843897
2025年全球IT銀行、金融服務和保險(BFSI)市場報告IT BFSI Global Market Report 2025 |
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近年來,IT BFSI市場發展迅速,從2023年的1,495億美元成長到2024年的1,709.1億美元,複合年成長率達14.3%。這一成長可歸因於監管合規和安全要求、舊有系統現代化、數據分析和商業智慧、金融科技顛覆以及風險管理解決方案。
近年來,IT BFSI市場規模快速成長,從2024年的1,672.3億美元成長到2025年的1,879.5億美元,複合年成長率達12.4%。這段成長時期主要歸因於監管合規和安全要求、舊有系統現代化、數據分析和商業智慧、金融科技顛覆以及風險管理解決方案。
銀行、金融服務和保險業的資訊科技涉及在銀行業、金融業和保險業的各個領域中使用資訊技術,包括資料處理、應用程式測試、軟體開發、IT支援服務、業務流程外包以及技術和專業服務管理。
在銀行、金融服務和保險(BFSI)資訊科技領域,主要服務類別包括託管服務和專業服務。託管服務透過持續支援和主動管理,為客戶提供網路、應用、基礎設施和安全服務,服務部署在客戶本地、MSP(託管服務提供者)的資料中心或第三方資料中心。此流程中使用的技術包括網路安全、人工智慧、商業情報、企業資源規劃 (ERP)、人力資本管理 (HCM)、企業內容管理 (ECM)、客戶關係管理 (CRM) 和整合通訊。這些技術被部署在各種規模的組織中,從中小企業 (SME) 到大型企業,涵蓋本地部署和雲端環境。
美國在2025年春季突然提高關稅及其引發的貿易摩擦,對資訊科技產業,特別是硬體製造、資料基礎設施和軟體部署領域,造成了顯著影響。進口半導體、電路基板和網路設備的關稅上漲,推高了高科技公司、雲端服務供應商和資料中心的生產和營運成本。在全球範圍內採購筆記型電腦、伺服器和消費電子產品零件的公司,面臨更長的前置作業時間週期和價格壓力。同時,對專用軟體徵收的關稅以及主要國際市場的報復性措施,擾亂了全球IT供應鏈,並降低了海外對美國製造技術的需求。為了應對這些挑戰,該產業正在加大對國內晶片生產的投資,擴大供應商網路,並利用人工智慧驅動的自動化技術來增強韌性,更有效地控制成本。
預計未來幾年,IT BFSI(銀行、金融服務和保險)市場將快速成長,到2029年市場規模將達到3,152.4億美元,複合年成長率(CAGR)為13.8%。預測期間的成長可歸因於先進的網路安全措施、人工智慧和機器學習的整合、雲端技術在可擴展性方面的應用、開放銀行計畫以及客戶體驗的提升。預測期間的關鍵趨勢包括數位銀行的興起、持續的數位轉型、監管科技(RegTech)、區塊鏈和分散式帳本技術以及以客戶為中心的解決方案。
我們預測未來五年成長率為13.8%,較先前的預測略微下調了0.2個百分點。這一下調主要是因為美國與其他國家之間的關稅影響。進口伺服器基礎設施和網路安全工具面臨的關稅壓力可能會減緩依賴可擴展IT平台的銀行、金融服務和保險(BFSI)機構的數位轉型。此外,相互關稅以及日益加劇的貿易緊張局勢和限制措施對全球經濟和貿易造成的負面影響可能會產生更廣泛的影響。
預計未來幾年,IT BFSI(銀行、金融服務和保險)市場將快速成長,到2028年市場規模將達到2,763.7億美元,複合年成長率(CAGR)為12.8%。預測期內的成長主要歸功於先進的網路安全措施、人工智慧和機器學習的整合、雲端技術在可擴展性方面的應用、開放銀行計畫以及對提升客戶體驗的重視。這段時期的主要趨勢包括數位銀行的興起、持續的數位轉型、監管科技(RegTech)的出現、區塊鏈和分散式帳本技術的應用以及以客戶為中心的解決方案的開發。
預計未來幾年,數位支付方式的日益普及將顯著推動IT銀行、金融服務和保險(BFSI)市場的發展。數位支付是指透過各種電子管道進行的交易。這些支付方式可以縮短等待時間,並改善客戶在網點的體驗。此外,隨著所有銀行流程的數位化,客戶不再需要前往實體分行。這種轉變以資訊科技提供的持續線上服務取代了銀行的實體網點。例如,英國支付技術公司Banked Ltd.在2023年11月發布的報告顯示,美國消費者正在使其金融行為多樣化,79.2%的受訪者每月使用兩到五種支付方式。簽帳金融卡是最受歡迎的付款方式,佔66.6%,其次是PayPal,佔53%。其他流行的付款方式包括Venmo(16.4%)、信用卡(51.4%)、電子錢包(20.4%)、Cash App(31.6%)和銀行轉帳(10%)。因此,數位支付方式的日益普及預計將推動IT銀行、金融服務和保險(BFSI)市場的成長。
雲端運算的日益普及預計將進一步推動IT BFSI市場的成長。雲端運算普及是指個人、組織和產業廣泛採用雲端運算服務,以遠端儲存、管理和存取資料及應用程式。雲端基礎的平台有助於快速開發和部署新的金融產品和服務,使BFSI機構保持競爭力。例如,總部位於比利時的歐盟執行機構-歐盟委員會(EC)在2023年12月表示,歐盟雲端解決方案的採用率將在2023年成長4.2個百分點,屆時將有45.2%的公司使用雲端處理服務,與2021年相比顯著成長。因此,雲端運算普及率的提高有望推動IT BFSI市場的成長。
技術進步是推動IT銀行、金融服務和保險(BFSI)市場發展的重要趨勢。該領域的主要企業正在開發創新技術以增強其競爭優勢。例如,2024年8月,總部位於印度的數位銀行和支付技術公司NPST在2024年全球金融科技節(Global Fintech Fest 2024)上發布了一套包含七款人工智慧驅動的數位支付產品。這些解決方案,包括風險智慧決策平台和EVOK 3.0支付平台,旨在提高詐欺防範能力、簡化交易處理流程,並為銀行、支付聚合商和商家提供個人化的支付體驗。
IT BFSI(銀行、金融服務和保險資訊技術)市場的主要企業正致力於開發創新解決方案,例如生成式預訓練 Transformer (GPT) 技術,以滿足銀行和金融機構的需求。 GPT 是一種大規模語言模型 (LLM),已成為一種生成式人工智慧 (AI) 框架。例如,2023 年 3 月,總部位於印度的數位銀行平台 Trustt 推出了第一個面向銀行業的主要 GPT 產品套件。該套件利用生成式預訓練 Transformer (GPT) 技術,提供個人化服務,透過任務自動化提高營運效率,並增強自然語言處理能力。在 IT BFSI 市場,該套件有望改善客戶體驗,簡化業務流程,並標誌著先進 AI 能力的顯著應用,有助於提升該行業的競爭力和創新能力。
2022年3月,總部位於英國的線上國際付款管道Midpoint Holdings Ltd.收購了Blockchain World Ltd.,具體金額未揭露。此舉旨在透過整合Blockchain World的區塊鏈技術,增強Midpoint面向消費者的數位資產平台實力。 Blockchain World Ltd.總部位於英國,專注於為銀行、金融服務和保險(BFSI)產業提供區塊鏈技術解決方案。
IT 銀行、金融服務和保險 (BFSI) 市場包括提供硬體支援服務、軟體和業務流程外包 (BPO) 服務以及雲端服務等服務的營業單位所獲得的收入。市場價值還包括服務提供者銷售的或包含在其服務產品中的相關商品的價值。僅包括在企業之間交易或銷售給最終消費者的商品和服務。
Information technology in banking, financial services, and insurance involves using IT for a wide range of banking, financial, and insurance services. This includes managing data processing, application testing, software development, IT-enabled services, business process outsourcing, and technical and professional services.
Within the IT BFSI (Information Technology in Banking, Financial Services, and Insurance) sector, the main service categories are managed services and professional services. Managed services involve the delivery of network, application, infrastructure, and security services to clients through continuous support and active administration either on their premises, within the MSP's data center, or in a third-party data center. The technologies used in this process include cybersecurity, artificial intelligence, business intelligence, enterprise resource planning (ERP), human capital management (HCM), enterprise content management (ECM), customer relationship management (CRM), and unified communications. These technologies are deployed in both on-premises and cloud environments across organizations of varying sizes, including small, medium, and large enterprises.
Note that the outlook for this market is being affected by rapid changes in trade relations and tariffs globally. The report will be updated prior to delivery to reflect the latest status, including revised forecasts and quantified impact analysis. The report's Recommendations and Conclusions sections will be updated to give strategies for entities dealing with the fast-moving international environment.
The sharp rise in U.S. tariffs and the ensuing trade tensions in spring 2025 are having a significant impact on the information technology sector, especially in hardware manufacturing, data infrastructure, and software deployment. Increased duties on imported semiconductors, circuit boards, and networking equipment have driven up production and operating costs for tech companies, cloud service providers, and data centers. Firms that depend on globally sourced components for laptops, servers, and consumer electronics are grappling with extended lead times and mounting pricing pressures. At the same time, tariffs on specialized software and retaliatory actions by key international markets have disrupted global IT supply chains and dampened foreign demand for U.S.-made technologies. In response, the sector is ramping up investments in domestic chip production, broadening its supplier network, and leveraging AI-powered automation to improve resilience and manage costs more effectively.
The it bfsi market size has grown rapidly in recent years. It will grow from $149.5 billion in 2023 to $170.91 billion in 2024 at a compound annual growth rate (CAGR) of 14.3%. The growth in the historic period can be attributed to regulatory compliance and security demands, legacy system modernization, data analytics and business intelligence, fintech disruption, risk management solutions.
The it bfsi market size has grown rapidly in recent years. It will grow from $167.23 billion in 2024 to $187.95 billion in 2025 at a compound annual growth rate (CAGR) of 12.4%. The growth in the historic period can be attributed to regulatory compliance and security demands, legacy system modernization, data analytics and business intelligence, fintech disruption, risk management solutions.
The it bfsi market size is expected to see rapid growth in the next few years. It will grow to $315.24 billion in 2029 at a compound annual growth rate (CAGR) of 13.8%. The growth in the forecast period can be attributed to advanced cybersecurity measures, AI and machine learning integration, cloud adoption for scalability, open banking initiatives, customer experience enhancement. Major trends in the forecast period include rise of digital banking, digital transformation continues, regulatory technology (RegTech), blockchain and distributed ledger technology, customer-centric solutions.
The forecast of 13.8% growth over the next five years reflects a slight reduction of 0.2% from the previous projection. This reduction is primarily due to the impact of tariffs between the US and other countries. Tariff pressures on imported server infrastructure and cybersecurity tools could slow digital transformation within BFSI institutions that rely on scalable IT platforms. The effect will also be felt more widely due to reciprocal tariffs and the negative effect on the global economy and trade due to increased trade tensions and restrictions.
The it bfsi market size is expected to see rapid growth in the next few years. It will grow to $276.37 billion in 2028 at a compound annual growth rate (CAGR) of 12.8%. The anticipated growth in the forecast period can be attributed to advanced cybersecurity measures, the integration of AI and machine learning, the adoption of cloud technology for scalability, open banking initiatives, and a focus on enhancing customer experience. Major trends expected in this period include the rise of digital banking, ongoing digital transformation, the emergence of regulatory technology (RegTech), the utilization of blockchain and distributed ledger technology, and the development of customer-centric solutions.
The growing adoption of digital payment methods is anticipated to significantly boost the IT BFSI market in the future. Digital payment refers to transactions conducted through various electronic mediums. These payments lead to shorter wait times and enhance the in-store experience for customers, while also eliminating the need for customers to visit physical branches, as all banking processes are digitized. This shift replaces the bank's physical presence with a continuous online presence, facilitated by information technology. For example, in November 2023, Banked Ltd., a UK-based payments technology company, reported that US consumers are diversifying their financial practices, with 79.2% of respondents now using 2-5 payment methods monthly, a significant increase from 57% in 2022. Debit cards remain the most preferred option at 66.6%, followed by PayPal at 53%. Other popular payment methods include Venmo (16.4%), credit cards (51.4%), e-wallets (20.4%), Cash App (31.6%), and bank transfers (10%). Hence, the rising penetration of digital payment methods is expected to drive the growth of the IT BFSI market.
The increasing adoption of cloud computing is projected to further stimulate the growth of the IT BFSI market. Cloud adoption refers to the widespread implementation and use of cloud computing services by individuals, organizations, or industries to remotely store, manage, and access data and applications. Cloud-based platforms facilitate the rapid development and deployment of new financial products and services, enabling BFSI institutions to maintain a competitive edge. For instance, in December 2023, the European Commission (EC), the executive body of the European Union (EU) based in Belgium, stated that the adoption of cloud solutions in the EU increased by 4.2 percentage points in 2023, with 45.2% of enterprises utilizing cloud computing services, marking a notable rise compared to 2021. Therefore, the increasing cloud adoption is set to drive the growth of the IT BFSI market.
Technological advancement is a prominent trend gaining traction in the IT BFSI market. Leading companies in this sector are creating innovative technologies to enhance their competitive edge. For example, in August 2024, NPST, a digital banking and payments technology firm based in India, introduced a suite of seven AI-powered digital payment products at the Global Fintech Fest 2024. These solutions, which include the Risk Intelligence Decisioning Platform and EVOK 3.0 Payments Platform, aim to improve fraud prevention, streamline transaction processing, and deliver personalized payment experiences for banks, payment aggregators, and merchants.
Leading companies in the IT BFSI (Information Technology for Banking, Financial Services, and Insurance) market are directing their efforts towards developing innovative solutions, including Generative Pre-trained Transformer (GPT) technology, to cater to the needs of banks and financial institutions. GPTs are a type of large language model (LLM) that has gained prominence as a framework for generative artificial intelligence (AI). For example, in March 2023, Trustt, an India-based digital banking platform serving banks, non-banking financial companies (NBFCs), microfinance institutions (MFIs), and fintech firms, unveiled its First Major GPT Product Suite for the Banking Industry. This suite introduces personalized services, enhances operational efficiency through task automation, and leverages Generative Pre-trained Transformer (GPT) technology to improve natural language processing capabilities. In the IT BFSI market, this suite is expected to elevate customer experiences, streamline operational processes, and signify a significant adoption of advanced AI capabilities, thereby contributing to increased competitiveness and innovation within the sector.
In March 2022, Midpoint Holdings Ltd., a UK-based online international payments platform, acquired Blockchain World Ltd. for an undisclosed amount. This strategic move is intended to enhance Midpoint's consumer-facing platform in the digital asset space by integrating Blockchain World Ltd.'s blockchain technology. Blockchain World Ltd., also based in the UK, specializes in providing blockchain technology solutions for the BFSI (Banking, Financial Services, and Insurance) sector.
Major companies operating in the IT BFSI market include Microsoft Corporation, Amazon Web Services Inc., Intel Corporation, Accenture plc, International Business Machines Corporation, Oracle Corporation, SAP SE, Salesforce Inc., Hewlett Packard Enterprise, Tata Consultancy Services (TCS), Capgemini SE, NTT Data Corporation, Cognizant Technology Solutions Corporation, Infosys Limited, Fiserv Inc., DXC Technology, Atos SE, Wipro Limited, ConsenSys, FIS Global, Broadridge Financial Solutions Inc., Finastra, Genpact Limited, CA Technologies Inc., Akamai Technologies Inc., Mphasis Limited, Bitfury Group Limited, AlphaPoint, Mindtree Limited, Hexaware Technologies Ltd., Tech Mahindra Limited, Persistent Systems Limited, EPAM Systems Inc., Coforge Limited, Zensar Technologies Limited, Virtusa Corporation
North America was the largest region in the IT BFSI market in 2024. The regions covered in the it bfsi market report are Asia-Pacific, Western Europe, Eastern Europe, North America, South America, Middle East, Africa.
The countries covered in the it bfsi market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Russia, South Korea, UK, USA, Canada, Italy, Spain.
The IT BFSI market includes revenues earned by entities by providing services such as hardware support services, software and BPO services, and cloud services. The market value includes the value of related goods sold by the service provider or included within the service offering. Only goods and services traded between entities or sold to end consumers are included.
The market value is defined as the revenues that enterprises gain from the sale of goods and/or services within the specified market and geography through sales, grants, or donations in terms of the currency (in USD, unless otherwise specified).
The revenues for a specified geography are consumption values that are revenues generated by organizations in the specified geography within the market, irrespective of where they are produced. It does not include revenues from resales along the supply chain, either further along the supply chain or as part of other products.
IT BFSI Global Market Report 2025 from The Business Research Company provides strategists, marketers and senior management with the critical information they need to assess the market.
This report focuses on it bfsi market which is experiencing strong growth. The report gives a guide to the trends which will be shaping the market over the next ten years and beyond.
Where is the largest and fastest growing market for it bfsi ? How does the market relate to the overall economy, demography and other similar markets? What forces will shape the market going forward, including technological disruption, regulatory shifts, and changing consumer preferences? The it bfsi market global report from the Business Research Company answers all these questions and many more.
The report covers market characteristics, size and growth, segmentation, regional and country breakdowns, competitive landscape, market shares, trends and strategies for this market. It traces the market's historic and forecast market growth by geography.
The forecasts are made after considering the major factors currently impacting the market. These include the technological advancements such as AI and automation, Russia-Ukraine war, trade tariffs (government-imposed import/export duties), elevated inflation and interest rates.