全球核心銀行軟體市場規模依部署模式、功能、最終用戶、區域覆蓋範圍和預測分類：

核心銀行軟體市場規模與預測

2024 年核心銀行軟體市場規模價值 171.9 億美元，預計到 2032 年將達到 580.1 億美元，複合年成長率為 18.11%。

• 核心銀行軟體是銀行用來高效率運作業務的集中式系統。它簡化了帳戶管理、交易處理和監管合規等業務，使銀行能夠輕鬆地在眾多分店和數位平台上提供服務。
• 該程式主要用於即時銀行交易處理、客戶帳戶管理和財務報告。它透過整合行動銀行、線上帳戶存取和24小時自動提款機等各種銀行服務來提升用戶體驗。
• 核心銀行軟體將與人工智慧和區塊鏈等最尖端科技同步發展，這將提高安全性、數據分析能力並提供更個人化的銀行體驗，而與金融科技解決方案的整合將推動創新並簡化銀行流程。

全球核心銀行軟體市場動態

影響全球核心銀行軟體市場的關鍵市場動態是：

關鍵市場促進因素

• 業務數位化不斷提升：數位銀行的快速發展推動了核心銀行軟體的普及。美國聯邦準會宣布，到2024年，76%的美國成年人將使用行動銀行應用程式，高於2018年的43%，這迫使銀行對其系統進行現代化升級，以提供24小時全天候服務。
• 監理合規和風險管理需求日益成長：更嚴格的法律和日益嚴格的風險管理要求正推動銀行採用最新的核心銀行技術。國際付款銀行預測，到2024年，全球銀行的合規成本將達到約2,700億美元，較2018年成長62%。
• 雲端基礎的核心銀行解決方案的使用率不斷提升：向雲端基礎的核心銀行系統的轉變是推動該行業發展的關鍵驅動力。根據雲端安全聯盟的報告，到2024年，61%的金融機構將使用雲端服務來執行核心銀行功能，這一比例高於2019年的32%。

主要問題

• 與舊有系統整合：許多金融機構難以將其核心銀行軟體與現有舊有系統整合，導致效率降低。這項挑戰通常需要投入大量的時間和資源，因為過時的系統可能無法輕鬆與新技術整合，從而增加了遷移和營運的複雜性。
• 資料安全和隱私問題：隨著數位銀行的日益普及，資料安全和隱私問題也日益凸顯。銀行面臨網路攻擊的威脅，需要採取強而有力的安全措施來保護敏感的客戶資訊。確保遵守《一般資料保護規範》（GDPR）等法規會增加複雜性，需要持續保持警惕並投資新的安全解決方案。
• 實施和維護成本高昂：實施和維護核心銀行軟體的成本可能很高，特別是對於中小型金融機構而言，涉及軟體許可、硬體更新、員工培訓和持續支援等成本。

主要趨勢

• 來自金融科技的競爭日益激烈：傳統銀行正面臨來自金融科技新興企業的日益激烈的競爭，這些新創公司提供創新的解決方案和更優質的客戶體驗。這一趨勢迫使現有金融機構快速創新，適應不斷變化的客戶偏好，並精簡營運業務，以在競爭激烈的環境中保持市場佔有率。
• 提升顧客體驗的需求：顧客渴望獲得技術賦能、個人化且順暢的金融服務。為了滿足這些期望，金融機構必須投資於易於使用的介面和專業的解決方案。如果客戶體驗無法改善，可能會導致客戶忠誠度下降和市場佔有率流失。
• 開放銀行的興起：開放銀行的興起有可能鼓勵金融機構共用數據，從而挑戰現有的銀行架構。銀行面臨整合第三方服務，同時維護資料安全與合規性的挑戰。應對這項新生態系統需要對科技進行大量投資，並與金融科技公司合作。

目錄

第1章 引言

• 市場定義
• 市場區隔
• 調查方法

第2章執行摘要

• 主要發現
• 市場概覽
• 市場亮點

第3章市場概述

• 市場規模和成長潛力
• 市場趨勢
• 市場促進因素
• 市場限制
• 市場機會
• 波特五力分析

第4章。核心銀行軟體市場（依部署模式）

• 本地
• 雲端基礎的（SaaS）
• 混合模式

5. 核心銀行軟體市場（依功能）

• 帳戶管理
• 交易處理
• 總分類帳
• CRM
• 監理合規

6. 核心銀行軟體市場（依最終用戶）

• 零售銀行
• 公司銀行業務
• 投資銀行
• 私人銀行
• 信用合作社

第7章區域分析

• 北美洲
• 美國
• 加拿大
• 墨西哥
• 歐洲
• 英國
• 德國
• 法國
• 義大利
• 亞太地區
• 中國
• 日本
• 印度
• 澳洲
• 拉丁美洲
• 巴西
• 阿根廷
• 智利
• 中東和非洲
• 南非
• 沙烏地阿拉伯
• 阿拉伯聯合大公國

第8章市場動態

• 市場促進因素
• 市場限制
• 市場機會
• COVID-19 市場影響

第9章 競爭態勢

• 主要企業
• 市場佔有率分析

第10章 公司簡介

• 甲骨文公司（美國）
• SAP SE（德國）（SAP S/4HANA 銀行）
• Temenos AG（瑞士）
• Fiserv, Inc.（美國）（OpenWave）
• FIS（富達國家資訊服務公司）（美國）
• 塔塔諮詢服務有限公司（印度）
• Finastra國際有限公司（英國）
• 印孚瑟斯有限公司（印度）（Finacle）
• 凱捷顧問公司（法國）
• 微軟公司（美國）

第11章 市場展望與機會

• 新興技術
• 未來市場趨勢
• 投資機會

第12章 附錄

• 簡稱列表
• 來源和參考文獻

Core Banking Software Market Size And Forecast

Core Banking Software Market size was valued at USD 17.19 Billion in 2024 and is projected to reach USD 58.01 Billion by 2032 growing at a CAGR of 18.11% from .

• Core banking software is a centralized system used by banks to run their activities efficiently. It simplifies activities such as account management, transaction processing and regulatory compliance, allowing banks to effortlessly provide services across numerous branches and digital platforms.
• The program is primarily used for real-time banking transaction processing, customer account management and financial reporting. It improves the user experience by integrating a variety of banking services, such as mobile banking, online account access and automated teller machines, providing 24-hour availability.
• Core banking software is likely to evolve in tandem with cutting-edge technology such as artificial intelligence and blockchain. This will increase security, data analytics and enable more tailored banking experiences. Furthermore, its connection with fintech solutions will promote innovation and efficiency in banking processes.

Global Core Banking Software Market Dynamics

The key market dynamics that are shaping the global Core Banking Software Market include:

Key Market Drivers:

• Increasing Digitalization of Banking Services: The rapid shift to digital banking is driving core banking software adoption. The Federal Reserve stated that 76% of American adults utilized mobile banking apps in 2024, up from 43% in 2018, pushing banks to modernize their systems for 24-hour service.
• Increasing Demand for Regulatory Compliance and Risk Management: Stringent laws and increasing risk management requirements are pushing banks to adopt modern core banking technologies. The Bank for International Settlements projected that worldwide banks spent around $270 billion on compliance in 2024, a 62% increase from 2018.
• Increasing the Use of Cloud-Based Core Banking Solutions: The transition to cloud-based core banking systems is a key industry driver. According to a Cloud Security Alliance report, 61% of financial institutions use cloud services for core banking functions in 2024, up from 32% in 2019, highlighting scalability and cost-effectiveness.

Key Challenges:

• Integration With Legacy Systems: Many financial organizations struggle to integrate core banking software with existing legacy systems, reducing efficiency. This difficulty frequently necessitates a large investment of time and resources, as outdated systems may not simply integrate with newer technologies, complicating transitions and operations.
• Data Security and Privacy Concerns: Concerns about data security and privacy are increasing as digital banking increases. Banks are under increasing threat from cyberattacks, demanding strong security measures to protect critical client information. Ensuring compliance with rules such as GDPR increases complexity, necessitating ongoing vigilance and investment in new security solutions.
• High Implementation and Maintenance Costs: Implementing and maintaining core banking software can be expensive, especially for smaller institutions. Expenses include software licensing, hardware updates, employee training and continuing support.

Key Trends:

• Increasing Competition from Fintech: Traditional banks are seeing increasing competition from fintech startups that offer innovative solutions and improved customer experiences. This tendency requires existing institutions to innovate quickly, adapt to changing customer tastes and streamline operations in order to maintain market share in a highly competitive environment.
• Demand For Enhanced Customer Experiences: Customers demand personalized, frictionless financial services that use technology. To achieve these expectations, financial institutions must invest in easy-to-use interfaces and specialized solutions. Failure to improve customer experiences can result in lower customer loyalty and a loss of market share.
• Emergence Of Open Banking: The emergence of open banking legislation encourages financial organizations to share data, which has the potential to challenge established banking structures. Banks face the issue of integrating third-party services while maintaining data security and compliance. Adapting To this new ecosystem requires significant investment in technology and collaboration with Fintechs.

Global Core Banking Software Market Regional Analysis

Here is a more detailed regional analysis of the global Core Banking Software Market:

North America:

• According to Verified Market Research, North America is expected to dominate the global Core Banking Software Market.
• The rapid adoption of digital banking services in North America has resulted in an increase in the demand for innovative core banking software. The Federal Deposit Insurance Corporation (FDIC) says that 93% of US households used mobile banking apps in 2024, up from 65% in 2018. This drastic transformation drives financial institutions to improve their fundamental technologies, allowing customers to have seamless, omnichannel banking experiences.
• The growing emphasis on cybersecurity and data protection encourages banks to invest in contemporary core banking technologies with strong security measures. Between 2019 and 2024, the US Financial Crimes Enforcement Network (FinCEN) reported a 75% increase in suspicious activity reports tied to cybercrime.

Asia Pacific:

• According to Verified Market Research, Asia Pacific is fastest growing region in global Core Banking Software Market.
• The Asia Pacific area is experiencing tremendous increase in digital banking adoption, driving up need for modern core banking systems. According to the Asian Development Bank (ADB), the number of adults using digital banking services in Southeast Asia increasing from 49% in 2020 to 76% in 2024.
• This spike requires financial institutions to improve their basic banking infrastructure in order to fulfil rising digital service demand. Concurrently, financial inclusion projects are gaining traction, with governments and institutions focusing on increasing access. According to the World Bank's Global Findex Database, bank account ownership in East Asia and the Pacific has expanded from 70% in 2017 to 84% in 2024, forcing banks to implement scalable core banking solutions for underserved communities.

Global Core Banking Software Market: Segmentation Analysis

The Global Core Banking Software Market is segmented based Model of Deployment, Functionality, End-User and Geography.

Core Banking Software Market, By Model of Deployment

• On-Premise
• Cloud-based (SaaS)
• Hybrid Model

Based on Model of Deployment, the Global Core Banking Software Market is separated into On-Premise, Cloud-based (SaaS), and Hybrid Model. The cloud-based (SaaS) approach currently dominates the global core banking software industry. Scalability, cost-efficiency and ease of updating are among its advantages, which contribute to its appeal. Financial institutions are increasingly using SaaS because of its ability to streamline operations and provide real-time access to banking services across many locations.

Core Banking Software Market, By Functionality

• Account Management
• Transaction Processing
• General Ledger
• CRM
• Regulatory Compliance

Based on Functionality, Global Core Banking Software Market is divided into Account Management, Transaction Processing, General Ledger, CRM, and Regulatory Compliance. In the global core banking software industry, transaction processing is the most popular feature. It is crucial for real-time financial operations, allowing banks to handle large volumes of transactions efficiently. With the advent of digital banking and omnichannel services, transaction processing is critical for providing seamless client experiences and operational efficiency.

Core Banking Software Market, By End-User

• Retail Banks
• Corporate Banks
• Investment Banks
• Private Banks
• Credit Unions

Based on End-User, Global Core Banking Software Market is divided into Retail Banks, Corporate Banks, Investment Banks, Private Banks, and Credit Unions. Retail banks dominate the worldwide Core Banking Software Market owing to their huge client base and widespread use of digital banking services. Retail banks require strong core banking solutions to manage high transaction volumes, customer accounts and regulatory compliance, creating a significant demand for innovative software to maintain smooth operations and consumer satisfaction.

Core Banking Software Market, By Geography

• North America
• Europe
• Asia Pacific
• Rest of the World

Based on the Geography, the Global Core Banking Software Market divided into North America, Europe, Asia Pacific and Rest of the World. North America dominates the Core Banking Software Market, owing to its established financial institutions and robust technology infrastructure. In contrast, the Asia-Pacific area is the fastest-growing, driven by rapid digitalization, increasing smartphone penetration and a growing need for new banking products among an extensive population.

Key Players

• The Global Core Banking Software Market study report will provide valuable insight with an emphasis on the global market. The major players in the market are Capgemini, Finastra, FIS, Fiserv, Inc., HCL Technologies Limited, Infosys Limited, Jack Henry & Associates, Inc., Oracle Corporation, Temenos Group, Unisys.

Our market analysis also entails a section solely dedicated to such major players wherein our analysts provide an insight into the financial statements of all the major players, along with product benchmarking and SWOT analysis. The competitive landscape section also includes key development strategies, market share and market ranking analysis of the above-mentioned players globally.

• Global Core Banking Software Market Recent Developments
• In September 2021, SAP SE establishes Fioneer, a joint venture with Dediq GmbH. SAP Fioneer offers innovative solutions to support customers in the rapidly changing insurance and banking industries.
• In August 2021, WITTY launches Oracle Banking APIs, Oracle FLEXCUBE and banking payments. These are part of the Oracle Banking portfolio, which comprises digital experience, real-time payments and digital core. Applications in business and retail banking.

TABLE OF CONTENTS

1. Introduction

• Market Definition
• Market Segmentation
• Research Methodology

2. Executive Summary

• Key Findings
• Market Overview
• Market Highlights

3. Market Overview

• Market Size and Growth Potential
• Market Trends
• Market Drivers
• Market Restraints
• Market Opportunities
• Porter's Five Forces Analysis

4. Core Banking Software Market, By Model of Deployment

• On-Premise
• Cloud-based (SaaS)
• Hybrid Model

5. Core Banking Software Market, By Functionality

• Account Management
• Transaction processing
• General Ledger
• CRM
• Regulatory Compliance

6. Core Banking Software Market, By End User

• Retail Banks
• Corporate banks
• Investment banks
• Private banks
• Credit Unions

7. Regional Analysis

• North America
• United States
• Canada
• Mexico
• Europe
• United Kingdom
• Germany
• France
• Italy
• Asia-Pacific
• China
• Japan
• India
• Australia
• Latin America
• Brazil
• Argentina
• Chile
• Middle East and Africa
• South Africa
• Saudi Arabia
• UAE

8. Market Dynamics

• Market Drivers
• Market Restraints
• Market Opportunities
• Impact of COVID-19 on the Market

9. Competitive Landscape

• Key Players
• Market Share Analysis

10. Company Profiles

• Oracle Corporation (U.S.)
• SAP SE (Germany) (SAP S/4HANA Banking)
• Temenos AG (Switzerland)
• Fiserv, Inc. (U.S.) (OpenWave)
• FIS (Fidelity National Information Services) (U.S.)
• Tata Consultancy Services Limited (India)
• Finastra International Limited (U.K.)
• Infosys Limited (India) (Finacle)
• Capgemini SE (France)
• Microsoft Corporation (U.S.)

11. Market Outlook and Opportunities

• Emerging Technologies
• Future Market Trends
• Investment Opportunities

12. Appendix

• List of Abbreviations
• Sources and References