Digital Banking Platform Market Growth Report and Size by 2031
预计到 2031 年,数字银行平台市场规模将从 2023 年的 56.1 亿美元增至 139.9 亿美元。预计 2023-2031 年市场复合年增长率将达到 15.5%。对定制银行服务的日益增长的需求以及对金融包容性的监管支持可能仍是数字银行平台市场的主要趋势。
数字银行平台市场分析
随着手机使用率的提高,越来越多的人选择使用手机银行,因为它很方便。这一变化促使银行创建可在移动设备上使用的数字银行系统,让用户在旅途中也能进行银行业务。此外,这些系统还帮助银行提高运营效率、削减开支,并整合人工智能和数据分析等现代技术,以个性化服务并改善决策。
数字银行平台市场概况
数字银行平台是一种可通过互联网或移动应用程序访问的电子系统,允许消费者远程执行各种银行任务和金融交易。这些任务包括账户管理、付款、贷款申请以及访问各种银行服务。该平台还提供账户管理、移动存款、数字钱包、预算工具以及通过聊天机器人或消息服务提供的客户支持等功能。数字银行平台的主要优势是客户和银行的便利性、可访问性和效率。用户无需前往实体分行即可方便地进行银行交易,从而提高客户满意度和参与度。
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数字银行平台市场:
复合年增长率(2023 - 2031)15.5%- 2023 年市场规模
56.1 亿美元 - 2031年市场规模
139.9亿美元
市场动态
- 定制银行服务需求日益增长
- 转向手机银行
- 区块链提高安全性
- 政府和监管机构对金融包容性的支持
关键人物;主力;重要一员
- 艾普威集团
- CREALOGIX 控股公司
- EdgeVerve 系统有限公司
- Fiserv 公司
- 甲骨文公司
- 思爱普
- 索普拉斯特里亚
- 塔塔咨询服务有限公司
- Temenos 总部 SA
- Worldline SA。
区域概况
- 北美
- 欧洲
- 亚太
- 南美洲和中美洲
- 中东和非洲
市场细分
- 云端和本地
- 企业银行和零售银行
- 示例 PDF 通过定性和定量分析展示了内容结构和信息的性质。
数字银行平台市场驱动因素和机遇
定制银行服务需求不断增长,市场受益
客户寻求个性化金融服务的趋势日益增长,这促使银行采用数字平台来提供定制体验。通过数字银行,银行可以提供专门的金融产品和服务,提高客户忠诚度和满意度。个性化银行服务需求的不断增长反映了消费者偏好向定制金融解决方案的转变。客户现在希望获得满足其特定需求的个性化体验,这促使银行转向数字平台以获得更加个性化的银行体验。
政府和监管机构对金融包容性的支持
全球范围内推动数字银行发展的动力源于人们认识到数字银行在增强金融包容性方面具有巨大潜力。通过使用数字平台,那些过去一直被排除在正规金融体系之外的人,例如没有银行账户或银行账户不足的人,现在可以获得重要的金融服务。这种金融服务的扩大不仅缩小了拥有和没有银行服务的人之间的差距,而且还通过让更多人参与正规经济来促进经济增长。因此,监管部门对数字银行的支持不仅是增强金融包容性的一种方式,也是促进整体经济进步和减少社会不平等的一种战略。
数字银行平台市场报告细分分析
有助于得出数字银行平台市场分析的关键部分是部署和类型。
- 根据部署情况,市场分为云和本地部署。2023 年,本地部署部分占据了相当大的市场份额。
- 根据类型,市场分为企业银行业务和零售银行业务。2023 年,企业银行业务占据了相当大的市场份额。
数字银行平台市场份额(按地区)分析
数字银行平台市场报告的地理范围主要分为五个地区:北美、亚太、欧洲、中东和非洲、南美/南美和中美。
北美,尤其是美国,是全球技术采用率最高的地区之一。智能手机的广泛使用和强大的互联网普及率为数字银行服务的发展和主导地位创造了理想的环境。该地区完善的金融基础设施促进了数字银行的创新,成熟的银行业、良好的监管环境和对金融科技公司的大量投资为其提供了支持。北美消费者对数字服务(包括银行业务)表现出强烈的偏好,这是因为他们希望进行快速、轻松和安全的网上银行交易。这种需求促使银行和金融机构不断增强其数字平台。
数字银行平台市场报告范围
报告属性 | 细节 |
---|---|
2023 年的市场规模 | 56.1亿美元 |
2031 年市场规模 | 139.9 亿美元 |
全球复合年增长率(2023 - 2031)CAGR (2023 - 2031) | 15.5% |
历史数据 | 2021-2022 |
预测期 | 2024-2031 |
涵盖的领域 | 按部署
|
覆盖地区和国家 | 北美
|
市场领导者和主要公司简介 |
|
- 示例 PDF 通过定性和定量分析展示了内容结构和信息的性质。
数字银行平台市场新闻和最新发展
数字银行平台市场通过收集一手和二手研究后的定性和定量数据进行评估,其中包括重要的公司出版物、协会数据和数据库。以下是市场发展情况的列表:
- 领先的数字银行解决方案提供商 Apiture 今天宣布,NWSB(新华盛顿州银行)已选择 Apiture 数字银行平台来支持其在线和移动银行解决方案。NWSB 是一家自 1908 年以来一直为印第安纳州南部客户提供服务的社区金融机构。NWSB 将实施 Apiture 的消费者银行、商业银行、开户和数据智能解决方案,为其零售和商业客户提供无缝、创新的体验。
(来源:Apiture,公司网站,2024 年)
- Alkami Technology, Inc. (Nasdaq: ALKT) (“Alkami”) 是一家领先的面向美国金融机构的云端数字银行解决方案提供商,该公司今天宣布 Elevations Credit Union (“Elevations”) 已推出 Alkami 的在线业务和零售银行平台。在无缝实施流程之后,Elevations 现正利用该平台扩大其零售和业务组合并扩大市场份额。
(来源:Alkami Technology, Inc.,新闻稿,2024 年)
数字银行平台市场报告范围和交付成果
“数字银行平台市场规模和预测(2023-2031)”报告对市场进行了详细分析,涵盖以下领域:
- 范围内所有主要细分市场的全球、区域和国家层面的市场规模和预测
- 市场动态,如驱动因素、限制因素和关键机遇
- 未来主要趋势
- 详细的 PEST/波特五力分析和 SWOT 分析
- 全球和区域市场分析涵盖关键市场趋势、主要参与者、法规和最新市场发展
- 行业格局和竞争分析,涵盖市场集中度、热点图分析、知名参与者和最新发展
- 详细的公司简介
Report Coverage
Revenue forecast, Company Analysis, Industry landscape, Growth factors, and Trends
Segment Covered
This text is related
to segments covered.
Regional Scope
North America, Europe, Asia Pacific, Middle East & Africa, South & Central America
Country Scope
This text is related
to country scope.
Frequently Asked Questions
The market is expected to reach US$ 13.99 billion by 2031.
The key players holding majority shares in the market are Appway AG, CREALOGIX Holding AG, EdgeVerve Systems Limited, Fiserv, Inc., and Oracle Corporation.
Blockchain for improved security is anticipated to play a significant role in the digital banking platform market in the coming years.
The growing need for tailored banking services and the shift towards mobile banking are the major factors that propel the digital banking platform market.
The market was estimated to be US$ 5.61 billion in 2023 and is expected to grow at a CAGR of 12.1% during the forecast period 2023 - 2031.
The Insight Partners performs research in 4 major stages: Data Collection & Secondary Research, Primary Research, Data Analysis and Data Triangulation & Final Review.
- Data Collection and Secondary Research:
As a market research and consulting firm operating from a decade, we have published and advised several client across the globe. First step for any study will start with an assessment of currently available data and insights from existing reports. Further, historical and current market information is collected from Investor Presentations, Annual Reports, SEC Filings, etc., and other information related to company’s performance and market positioning are gathered from Paid Databases (Factiva, Hoovers, and Reuters) and various other publications available in public domain.
Several associations trade associates, technical forums, institutes, societies and organization are accessed to gain technical as well as market related insights through their publications such as research papers, blogs and press releases related to the studies are referred to get cues about the market. Further, white papers, journals, magazines, and other news articles published in last 3 years are scrutinized and analyzed to understand the current market trends.
- Primary Research:
The primarily interview analysis comprise of data obtained from industry participants interview and answers to survey questions gathered by in-house primary team.
For primary research, interviews are conducted with industry experts/CEOs/Marketing Managers/VPs/Subject Matter Experts from both demand and supply side to get a 360-degree view of the market. The primary team conducts several interviews based on the complexity of the markets to understand the various market trends and dynamics which makes research more credible and precise.
A typical research interview fulfils the following functions:
- Provides first-hand information on the market size, market trends, growth trends, competitive landscape, and outlook
- Validates and strengthens in-house secondary research findings
- Develops the analysis team’s expertise and market understanding
Primary research involves email interactions and telephone interviews for each market, category, segment, and sub-segment across geographies. The participants who typically take part in such a process include, but are not limited to:
- Industry participants: VPs, business development managers, market intelligence managers and national sales managers
- Outside experts: Valuation experts, research analysts and key opinion leaders specializing in the electronics and semiconductor industry.
Below is the breakup of our primary respondents by company, designation, and region:
Once we receive the confirmation from primary research sources or primary respondents, we finalize the base year market estimation and forecast the data as per the macroeconomic and microeconomic factors assessed during data collection.
- Data Analysis:
Once data is validated through both secondary as well as primary respondents, we finalize the market estimations by hypothesis formulation and factor analysis at regional and country level.
- Macro-Economic Factor Analysis:
We analyse macroeconomic indicators such the gross domestic product (GDP), increase in the demand for goods and services across industries, technological advancement, regional economic growth, governmental policies, the influence of COVID-19, PEST analysis, and other aspects. This analysis aids in setting benchmarks for various nations/regions and approximating market splits. Additionally, the general trend of the aforementioned components aid in determining the market's development possibilities.
- Country Level Data:
Various factors that are especially aligned to the country are taken into account to determine the market size for a certain area and country, including the presence of vendors, such as headquarters and offices, the country's GDP, demand patterns, and industry growth. To comprehend the market dynamics for the nation, a number of growth variables, inhibitors, application areas, and current market trends are researched. The aforementioned elements aid in determining the country's overall market's growth potential.
- Company Profile:
The “Table of Contents” is formulated by listing and analyzing more than 25 - 30 companies operating in the market ecosystem across geographies. However, we profile only 10 companies as a standard practice in our syndicate reports. These 10 companies comprise leading, emerging, and regional players. Nonetheless, our analysis is not restricted to the 10 listed companies, we also analyze other companies present in the market to develop a holistic view and understand the prevailing trends. The “Company Profiles” section in the report covers key facts, business description, products & services, financial information, SWOT analysis, and key developments. The financial information presented is extracted from the annual reports and official documents of the publicly listed companies. Upon collecting the information for the sections of respective companies, we verify them via various primary sources and then compile the data in respective company profiles. The company level information helps us in deriving the base number as well as in forecasting the market size.
- Developing Base Number:
Aggregation of sales statistics (2020-2022) and macro-economic factor, and other secondary and primary research insights are utilized to arrive at base number and related market shares for 2022. The data gaps are identified in this step and relevant market data is analyzed, collected from paid primary interviews or databases. On finalizing the base year market size, forecasts are developed on the basis of macro-economic, industry and market growth factors and company level analysis.
- Data Triangulation and Final Review:
The market findings and base year market size calculations are validated from supply as well as demand side. Demand side validations are based on macro-economic factor analysis and benchmarks for respective regions and countries. In case of supply side validations, revenues of major companies are estimated (in case not available) based on industry benchmark, approximate number of employees, product portfolio, and primary interviews revenues are gathered. Further revenue from target product/service segment is assessed to avoid overshooting of market statistics. In case of heavy deviations between supply and demand side values, all thes steps are repeated to achieve synchronization.
We follow an iterative model, wherein we share our research findings with Subject Matter Experts (SME’s) and Key Opinion Leaders (KOLs) until consensus view of the market is not formulated – this model negates any drastic deviation in the opinions of experts. Only validated and universally acceptable research findings are quoted in our reports.
We have important check points that we use to validate our research findings – which we call – data triangulation, where we validate the information, we generate from secondary sources with primary interviews and then we re-validate with our internal data bases and Subject matter experts. This comprehensive model enables us to deliver high quality, reliable data in shortest possible time.