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銀行服務金融科技

市場調查報告書

商品編碼

1738720

全球數位銀行平台市場：按模式、部署、組件、類型、地區、範圍和預測

Global Digital Banking Platform Market By Mode (Online Banking, Mobile Banking), By Deployment (On-premise, Cloud), By Component (Platforms, Services), By Type (Retail Banking, Corporate Banking), By Geographic Scope And Forecast

出版日期: 2025年05月05日 | 出版商:

Verified Market Research | 英文 202 Pages | 商品交期: 2-3個工作天內

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簡介目錄

數位銀行平台市場規模及預測

2024 年數位銀行平台市場規模價值 290.4 億美元，預計到 2032 年將達到 1,040.4 億美元，2026 年至 2032 年的複合年成長率為 17.29%。

數位銀行平台是一種綜合軟體解決方案，旨在透過行動應用程式、網站、線上入口網站等數位管道提供銀行服務。它將帳戶管理、交易處理、貸款申請和投資服務等各種金融功能整合到統一的介面中。

這些平台利用雲端處理、人工智慧和數據分析等技術來改善用戶體驗、簡化業務並提供個人化的金融解決方案。

在應用方面，銀行和金融機構使用數位銀行平台為客戶提供無縫且有效率的服務。數位銀行平台不僅支援查詢帳戶餘額、轉帳和支付帳單等日常銀行業務，還支援財富管理和財務規劃等更複雜的功能。

平台通常包括即時通知、詐欺偵測和透過聊天機器人提供的自動客戶支援等高級功能，從而提高了用戶的可訪問性和便利性。

數位銀行平台的全球市場動態

關鍵市場促進因素

消費者對便利性的需求日益成長：消費者對行動銀行解決方案的偏好日益成長，這推動了對數位銀行平台的需求。客戶希望隨時隨地、方便地存取銀行帳戶服務，這促使銀行投資於全面的數位解決方案。美國聯邦存款保險公司 (FDIC) 在其 2023 年全國銀行帳戶和銀行帳戶不足家庭調查（於 2024 年 2 月發布）中報告稱，95% 擁有銀行帳戶帳戶的家庭使用手機或網上銀行作為訪問帳戶的主要方式（高於 2021 年的 89%）。

成本效益：數位銀行平台透過自動化日常流程並減少對實體分行的需求，為銀行節省了顯著的成本。這種效率促使更多金融機構採用數位解決方案來降低業務成本。例如，美國銀行於2024年2月宣布，上年度關閉了250分店。該銀行報告稱，其72%的客戶透過數位管道開展大部分銀行業務。

監管支持：良好的法規環境和政府推動金融業數位轉型的舉措，正在促進市場成長。促進創新和保護消費者的政策有助於為數位銀行平台建立支持性框架。消費者金融保護局 (CFPB) 於 2024 年 1 月發布了《數位銀行消費者保護框架》，概述了安全、公平的數位銀行實踐原則。

擴大金融普惠：數位銀行平台改善了服務匱乏和偏遠地區人口的金融服務可近性。透過行動和線上管道提供便利的銀行服務，這些平台有助於縮小金融普惠方面的差距。例如，富國銀行於2024年2月啟動了「數位存取」計劃，旨在為服務匱乏的社區提供簡化、低成本的數位銀行服務，目標是到2026年為銀行系統帶來100萬新客戶。

主要挑戰

網路安全威脅：數位銀行平台處理敏感的金融數據，使其成為網路攻擊的理想目標。強大的安全措施需要持續的投資和專業知識，以防範違規和詐欺。

技術整合：將新的數位銀行解決方案與遺留系統整合可能很困難且耗費資源，從而擾亂業務並增加業務效率低下的風險。

消費者信任：贏得並維護消費者信任至關重要。糟糕的使用者體驗和資料外洩等問題會削弱信任，影響客戶維繫和平台採用率。

市場競爭：數位銀行領域競爭激烈，眾多參與者爭奪市場佔有率。保持領先地位需要不斷創新和差異化，這可能會消耗大量資源並影響盈利。

主要趨勢

整合人工智慧與自動化：數位銀行平台正擴大利用人工智慧和自動化來改善客戶服務、簡化業務並提供個人化金融諮詢，從而提高效率和用戶體驗。根據美國美國監督署 (OCC) 2023 年 12 月發布的《半年度風險展望報告》，85% 的國家銀行已在其數位銀行平台中實施了某種形式的人工智慧或機器學習，高於 2022 年的 67%。

行動優先策略：隨著行動裝置使用率的不斷提高，行動優先銀行解決方案正日益受到青睞，各大平台不斷最佳化服務，以服務精通科技的消費者，並提升用戶參與度。例如，美國銀行於2024年4月宣布，其行動應用程式用戶已超過5,000萬，行動端目前佔數位銀行總使用量的76%。該銀行還推出了“行動銀行VR”，為高級行動用戶提供虛擬實境銀行體驗。

區塊鏈和加密貨幣：區塊鏈技術和加密貨幣在數位銀行領域的應用正在蓬勃發展。這些技術創新有望提高交易和記錄保存的安全性、透明度和效率。例如，2024年1月，摩根大通將其基於區塊鏈的銀行間資訊網路擴展到全球500多家銀行，從而促進了更快捷、更安全的跨國交易。

A digital banking platform is a comprehensive software solution designed to provide banking services through digital channels, such as mobile apps, websites, and online portals. It integrates various financial functions including account management, transaction processing, loan applications, and investment services into a unified interface.

These platforms leverage technologies like cloud computing, artificial intelligence, and data analytics to enhance user experience, streamline operations, and offer personalized financial solutions.

In terms of application, digital banking platforms are used by banks and financial institutions to deliver seamless and efficient services to their customers. They support everyday banking activities such as checking account balances, transferring funds, and paying bills, while also enabling more complex functions like wealth management and financial planning.

The platforms often include advanced features such as real-time notifications, fraud detection, and automated customer support through chatbots, improving accessibility and convenience for users.

Global Digital Banking Platform Market Dynamics

The key market dynamics that are shaping the global digital banking platform market include:

Key Market Drivers

Rising Consumer Demand for Convenience: Increasing consumer preference for on-the-go banking solutions fuels the demand for digital banking platforms. Customers seek the convenience of accessing financial services anytime, anywhere, which drives banks to invest in comprehensive digital solutions. The Federal Deposit Insurance Corporation (FDIC) reported in its 2023 National Survey of Unbanked and Underbanked Households (published February 2024) that 95% of banked households used mobile or online banking as their primary method of account access, compared to 89% in 2021.

Cost Efficiency: Digital banking platforms offer banks significant cost savings by automating routine processes and reducing the need for physical branches. This efficiency encourages more financial institutions to adopt digital solutions as a means to lower operational costs. For instance, Bank of America announced in February 2024 that it had closed 250 branches in the previous year, citing increased digital adoption as a primary factor. The bank reported that 72% of its customers were now using digital channels for the majority of their banking needs.

Regulatory Support: Favorable regulatory environments and government initiatives promoting digital transformation in the financial sector contribute to market growth. Policies that facilitate innovation and protect consumers help create a supportive framework for digital banking platforms. The Consumer Financial Protection Bureau (CFPB) released its "Digital Banking Consumer Protection Framework" in January 2024, outlining principles for secure and fair digital banking practices.

Increased Financial Inclusion: Digital banking platforms enhance access to financial services for underserved and remote populations. By providing easy access to banking services through mobile and online channels, these platforms help bridge gaps in financial inclusion. For instance, in February 2024, Wells Fargo launched its "Digital Access" program, aimed at providing simplified, low-cost digital banking services to underserved communities, with a goal of bringing 1 million new customers into the banking system by 2026.

Key Challenges:

Cybersecurity Threats: As digital banking platforms handle sensitive financial data, they are prime targets for cyberattacks. Ensuring robust security measures requires continuous investment and expertise to protect against breaches and fraud.

Technological Integration: Integrating new digital banking solutions with legacy systems can be challenging and resource-intensive, potentially causing disruptions and increasing the risk of operational inefficiencies.

Consumer Trust: Gaining and maintaining consumer trust is crucial. Issues such as poor user experience or data breaches can undermine confidence, impacting customer retention and platform adoption.

Market Competition: The digital banking space is highly competitive, with numerous players vying for market share. Staying ahead requires constant innovation and differentiation, which can strain resources and affect profitability.

Key Trends

AI and Automation Integration: Digital banking platforms are increasingly leveraging artificial intelligence and automation to enhance customer service, streamline operations, and provide personalized financial advice, improving efficiency and user experience. According to the U.S. Office of the Comptroller of the Currency (OCC) in its Semiannual Risk Perspective report published in December 2023, 85% of national banks had implemented some form of AI or machine learning in their digital banking platforms, up from 67% in 2022.

Mobile-First Strategy: Mobile-first banking solutions are gaining prominence due to the rise in mobile device usage, as platforms optimize services for tech-savvy consumers and enhance engagement. For instance, in April 2024, Bank of America announced that its mobile app users had surpassed 50 million, with mobile interactions accounting for 76% of all digital banking engagements. The bank also introduced "Mobile Banking VR," a virtual reality banking experience for advanced mobile users.

Blockchain and Cryptocurrencies: The adoption of blockchain technology and cryptocurrencies is gaining momentum in digital banking. These innovations promise greater security, transparency, and efficiency in transactions and record-keeping. For instance, in January 2024, JPMorgan Chase expanded its blockchain-based Interbank Information Network to include over 500 banks globally, facilitating faster and more secure cross-border transactions.

Global Digital Banking Platform Market Regional Analysis

Here is a more detailed regional analysis of the global digital banking platform market:

North America

North America continues to dominate the digital banking platform market due to its advanced technological infrastructure and high adoption rates of digital solutions. As one of the most developed regions in terms of financial technology, North America benefits from a robust digital ecosystem that supports the growth and innovation of banking platforms.

One major driver is the increasing digital adoption among consumers and businesses in the region. According to the Federal Reserve's 2023 report, over 80% of U.S. adults use online banking services regularly, reflecting a strong preference for digital financial solutions.

Additionally, the U.S. Census Bureau reported in 2022 that financial technology investments in North America reached approximately USD 40 Billion, underscoring the significant capital flow into the sector which fuels market growth.

Asia Pacific

The Asia Pacific region is experiencing rapid growth in the digital banking platform market, driven by a surge in technological adoption and expanding internet connectivity. With its diverse and rapidly developing economies, the region presents a dynamic landscape for digital banking innovations, positioning itself as a key player in the global market.

A significant driver of this growth is the increasing smartphone penetration and internet access. According to the Asia-Pacific Economic Cooperation (APEC) report from 2023, over 70% of the population in major Asia Pacific markets now uses smartphones, facilitating easier access to digital banking services.

Additionally, the International Data Corporation (IDC) reported in 2023 that digital banking investments in the region surged by 35% year-over-year, reflecting strong economic support and consumer demand for advanced financial technologies.

Global Digital Banking Platform Market: Segmentation Analysis

The Digital Banking Platform Market is segmented based on Mode, Deployment, Component, Type, and Geography.

Digital Banking Platform Market, By Mode

Online Banking
Mobile Banking

Based on the Mode, the Global Digital Banking Platform Market is segmented into Online Banking and Mobile Banking. In the digital banking platform market, Online Banking is currently the dominant segment due to its established infrastructure and broad adoption among traditional banking users. However, Mobile Banking is the rapidly growing segment, driven by the increasing use of smartphones and mobile apps. With a rise in mobile-first banking experiences and advancements in mobile technology, the demand for mobile banking solutions is expanding quickly, outpacing the growth rate of online banking.

Digital Banking Platform Market, By Deployment

On-premise
Cloud

Based on Deployment, the Global Digital Banking Platform Market is segmented into On-premise and Cloud. In the digital banking platform market, the cloud deployment segment is rapidly growing due to its scalability, flexibility, and cost-efficiency, which appeal to financial institutions looking to innovate and manage resources more effectively. Conversely, On-premise deployment remains dominant, particularly among established banks with significant investments in legacy systems and a preference for maintaining control over their IT infrastructure. However, the shift towards cloud solutions is accelerating as banks seek to leverage modern technologies and reduce operational costs.

Digital Banking Platform Market, By Component

Platforms
Services

Based on Component, the Global Digital Banking Platform Market is divided into Platforms and Services. In the digital banking platform market, platforms are currently the dominating segment due to their comprehensive capabilities in providing a full range of banking services, from transaction processing to customer management. However, the services segment is rapidly growing, driven by the increasing demand for value-added services such as consulting, integration, and support. As banks focus on enhancing their digital capabilities and adapting to new technologies, the need for specialized services to support and optimize these platforms is expanding significantly.

Digital Banking Platform Market, By Type

Retail Banking
Corporate Banking
Investment Banking

Based on Type, the Global Digital Banking Platform Market is divided into Retail Banking, Corporate Banking, and Investment Banking. In the digital banking platform market, Retail banking is the dominating segment, reflecting its broad customer base and high transaction volumes that drive significant demand for digital solutions. Meanwhile, corporate banking is the rapidly growing segment, as businesses increasingly seek advanced digital tools for managing complex transactions, risk, and financial planning. The shift towards digitalization in corporate banking is fueled by the need for efficiency and real-time access to financial data, positioning it as a key area of expansion.

Digital Banking Platform Market, By Geography

North America
Europe
Asia Pacific
Rest of the World

Based on Geography, the Global Digital Banking Platform Market is classified into North America, Europe, Asia Pacific, and the Rest of the World. In the digital banking platform market, North America is the dominating region due to its advanced technological infrastructure, high digital adoption rates, and significant investments in financial technology. However, Asia Pacific is the rapidly growing segment, driven by a surge in smartphone usage, expanding internet access, and increasing demand for digital financial services across diverse economies. The region's dynamic growth is fueled by both emerging markets and rapidly evolving technology landscapes, positioning it as a major driver of future market expansion.

Key Players

The "Global Digital Banking Platform Market" study report will provide valuable insight with an emphasis on the global market. The major players in the market are Alkami, Apiture, Fiserv, nCino, Oracle Corp, TCS, Velmie, Appway, Backbase, BNY Mellon, CR2, Finastra, Mambu, NETinfo, SAP SE, Sopra Banking Software, Temenos, EdgeVerve, ebankIT, Intellect Design Arena, and Technisys.

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 its 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 Digital Banking Platform Market Key Developments

In August 2023, Finastra introduced a new suite of digital banking solutions focusing on open banking and API integration. The suite aims to enable financial institutions to offer more innovative and flexible services, enhance customer experience, and drive operational efficiency.
In October 2023, Bank of America launched a new mobile banking app with advanced digital tools such as voice-activated banking and predictive analytics to help users manage their finances more effectively and access personalized financial advice.