表紙:ネオバンキングの世界市場-2022-2029
市場調査レポート
商品コード
1117922

ネオバンキングの世界市場-2022-2029

Global Neobanking Market - 2022-2029

出版日: | 発行: DataM Intelligence | ページ情報: 英文 220 Pages | 納期: 約2営業日

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ネオバンキングの世界市場-2022-2029
出版日: 2022年08月22日
発行: DataM Intelligence
ページ情報: 英文 220 Pages
納期: 約2営業日
ご注意事項 :
本レポートは最新情報反映のため適宜更新し、内容構成変更を行う場合があります。ご検討の際はお問い合わせください。
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  • 概要
  • 目次
概要

市場力学

ネオバンキングの需要は、主に銀行業務の簡素化に対する世界の需要に牽引されています。サイバーセキュリティとデータプライバシーに関する懸念は、この市場の成長を制限する主な要因となっています。

簡素化されたバンキングサービスに対する世界の需要の高まり

従来の銀行サービスに対する不満の高まりが世界的に確認されています。この不満は、北米や欧州などの先進地域でより顕著に見られます。人々は、従来の銀行サービスを利用する際に、さまざまな障害に直面しています。面倒な口座開設手続きや高額なサービス料が、顧客の高い不満につながっているのです。さらに、従来型の銀行融資やその他の信用供与は、高金利や隠れた手数料、非倫理的な債権回収方法など、搾取的で略奪的な場合が少なくありません。

伝統的な銀行業務に対する不満の高まりから、消費者は世界的にネオバンクを採用する傾向が強まっています。ネオバンクは物理的なインフラを一切維持せず、すべてのサービスをデジタルで提供します。一般的に、ネオバンクは手数料が安く、銀行サービスを提供するための無駄のないアプローチをとっています。ネオバンクは顧客サービスや顧客満足を最優先しています。

特にアフリカやアジア太平洋などの発展途上地域では、スマートフォンと安価なインターネットサービスの普及が、ネオバンキング・サービスの普及につながっています。多くの若年層がネオバンクを通じて初めて銀行口座を開設していますが、これは主に、従来の銀行の煩雑なペーパーワークから解放され、デジタルプロセスが簡素化されたことが理由です。金融テクノロジーの急速な進歩により、ネオバンクの採用は今後数年で増加すると思われます。簡素化された銀行サービスへの世界の需要の高まりが、ネオバンキングの世界市場成長の主要な要因となっている

サイバーセキュリティとデータプライバシーに関する懸念

ネオバンキング・サービスは、無駄を省いたアプローチと簡素化された業務プロセスにより、人気を博しています。ネオバンキングは、顧客体験を向上させるために最新のデジタル技術を採用・統合することに大きく依存しています。テクノロジーへの依存度が高いため、サイバーセキュリティとデータ・プライバシーに関する懸念が高まっています。

ネオバンクでは、銀行口座の開設や認証に多くの個人データが必要とされます。データ・プライバシーに関する法律は、テクノロジーの進歩にまだ追いついていないです。そのため、ネオバンクによるユーザーデータの悪用の可能性が懸念されます。同様に、サイバーセキュリティもネオバンクの運営に関する大きな懸念事項です。多くのネオバンクは設立からまだ数年しか経っていない新興企業であり、その運営はベンチャーキャピタルからの資金に大きく依存しています。

そのため、最新の強固なサイバーセキュリティ対策を導入する資金がなく、サイバー攻撃に対して脆弱な状態にある可能性があります。ネオバンクへのサイバー攻撃は、銀行とその顧客に壊滅的な金銭的損失をもたらす可能性があります。利便性が向上したにもかかわらず、セキュリティやプライバシーに関する懸念から、多くの人がネオバンクのサービスを利用することをためらっています。サイバーセキュリティやデータプライバシーに関する懸念は、ネオバンキング・サービスの採用を制限し、世界市場の成長にとって大きな課題となっています。

COVID-19の影響分析

COVID-19のパンデミックは、世界のネオバンキング市場に好影響を与えました。パンデミックの規制により、通常のルーチンワークや日常生活に支障をきたしました。伝統的な銀行の支店は閉鎖され、顧客はデジタルバンキングチャネルに移行せざるを得ませんでした。伝統的な銀行の顧客の多くは、銀行が制定した面倒な手続きやさまざまな官僚的政策のために、移行に困難に直面しました。

ネオバンクの人気は、パンデミック時に大きく高まっています。ネオバンクは物理的な拠点を持たずにデジタルで運営されているため、パンデミックの規制は業務にほとんど影響を与えなかっています。初めて口座を開く人は、使いやすさと利便性からネオバンクを選ぶことが多かっています。

パンデミックの沈静化とともに、ネオバンクは伝統的な銀行や金融機関との競合を強めています。ネオバンクの多くは、パンデミックの経験を生かし、デジタルベースの成長戦略を追求しています。多くの伝統的な銀行は、ネオバンクに対抗するため、残高ゼロでサービス手数料が安いデジタルバンキングサービスを展開しました。

COVID-19の大流行が世界のネオバンキング市場にプラスの影響を与えたもの、市場は大きな課題と競争の激化に直面すると予想されます。パンデミックは、世界のネオバンキング市場の中長期的な成長を助けると予想されます。ネオバンキングサービスに対する需要は、特に新興国地域で依然として強く、市場は今後数年間で大きく成長すると予想されます。

世界のネオバンキング市場レポートでは、約58の市場データ表、58の図、220ページの構成で提供しています。

目次

第1章 世界のネオバンキング市場の調査手法と範囲

  • 調査手法
  • 調査目的・調査範囲

第2章 ネオバンキングの世界市場-市場の定義と概要

第3章 世界のネオバンキング市場- エグゼクティブサマリー

  • 口座タイプ別市場内訳
  • サービス別市場内訳
  • アプリケーション別市場内訳
  • 地域別市場内訳

第4章 世界のネオバンキング市場-市場力学

  • 市場影響要因
    • 促進要因
      • エネルギー効率化に対する世界の要求の高まり
    • 抑制要因
      • ネオバンキングにかかる高いコスト
    • ビジネスチャンス
    • 影響分析

第5章 世界のネオバンキング市場-産業分析

  • ポーターのファイブフォース分析
  • サプライチェーン分析
  • 価格設定分析
  • 規制分析

第6章 ネオバンキングの世界市場-COVID-19分析

  • COVID-19の市場分析
    • COVID-19登場前の市場シナリオ
    • COVID-19の現在の市場シナリオ
    • COVID-19以降、または将来のシナリオ
  • COVID-19の中でのプライシングダイナミクス
  • 需要-供給スペクトラム
  • パンデミック時の市場に関連する政府の取り組み
  • メーカーの戦略的な取り組み
  • まとめ

第7章 ネオバンキングの世界市場- 口座タイプ別

  • ビジネスアカウント
  • 貯蓄口座

第8章 ネオバンキングの世界市場- サービス別

  • モバイルバンキング
  • ペイメントと送金
  • 当座預金/普通預金
  • ローン
  • その他

第9章 ネオバンキングの世界市場- アプリケーション別

  • 企業
  • 個人向け
  • その他

第10章 ネオバンキングの世界市場(地域別)

  • 北米
    • 米国
    • カナダ
    • メキシコ
  • 欧州
    • ドイツ
    • 英国
    • フランス
    • イタリア
    • スペイン
    • その他欧州
  • 南米
    • ブラジル
    • アルゼンチン
    • その他の南米地域
  • アジア太平洋地域
    • 中国
    • インド
    • 日本
    • 韓国
    • その他アジア太平洋地域
  • 中東・アフリカ地域

第11章 世界のネオバンキング市場- 競争情勢

  • 競合シナリオ
  • 市況分析/シェア分析
  • M&A(合併・買収)分析

第12章 ネオバンキングの世界市場-企業プロファイル

  • SoFi Technologies, Inc.
    • 企業概要
    • アプリケーションのポートフォリオと説明
    • 主なハイライト
    • 財務概要
  • Monzo Bank Ltd
  • Atom Bank PLC
  • Nu Pagamentos S.A
  • Revolut Inc.
  • Tinkoff Bank
  • N26 GmbH
  • Ubank
  • Fidor Bank
  • WeBank Co., Ltd.

第13章 ネオバンキングの世界市場- 重要考察

第14章 世界のネオバンキング市場- データM

目次
Product Code: DMICT351

Market Overview

The global neobanking market was worth US$ XX million in 2021 and is estimated to reach US$ XX million by 2029, growing at a CAGR of XX% during the forecast period (2022-2029).

Neobanks are financial institutions that digitally offer a wide range of banking and financial services. Neobanks operate exclusively online without any physical infrastructure. Neobanks rely on the use of fintech to provide banking services. Neobanks typically provide all the major services traditional banking institutions offer, such as savings and checking accounts, credit cards, payment and fund transfer services, vehicle and personal loans, mortgages and investment and insurance products.

Due to their lack of physical presence, neobanks typically have lower operating costs. Therefore, they can offer many banking services at lower charges than traditional banks. With increased digital penetration and cheaper internet services, neobanks are becoming increasingly popular as an alternative to traditional banks and financial institutions.

Market Dynamics

The neobanking demand is mainly driven by the global demand for simplified banking services. Cybersecurity and data privacy concerns are key factors in limiting this market's growth.

Increasing global demand for simplified banking services

Growing dissatisfaction with traditional banking services is being observed globally. The dissatisfaction is more acute in developed regions such as North America and Europe. People face various hindrances in accessing traditional banking services. Cumbersome account opening process and hefty service charges lead to high customer dissatisfaction. Furthermore, traditional banking loans and other credit facilities are often exploitative and predatory, with high-interest rates, hidden charges and unethical debt collection methods.

The growing dissatisfaction with traditional banking has led to consumers' growing adoption of neobanking globally. Neobanks do not maintain any physical infrastructure and digitally present all their services. Neobanks generally have lower charges and a no-frills approach to offering banking services. Neobanks give utmost priority to customer service and satisfaction.

The penetration of smartphones and cheap internet services, especially in developing regions such as Africa and Asia-Pacific, leads to the growing adoption of neobanking services. Many young adults are opening their first bank accounts through neobanks, mainly due to the simplified digital process, which removes the hassle of cumbersome paperwork of traditional banks. The adoption of neobanking is likely to increase in the coming years due to rapid advances in financial technologies. The growing global demand for simplified banking services is a key driver for the growth of the global neobanking market

Cybersecurity and data privacy concerns

Neobanking services have proven popular due to their no-frills approach and simplified operating process. Neobanking relies heavily on adopting and integrating the latest digital technologies to improve customer experience. The heavy reliance on technology has raised concerns regarding cybersecurity and data privacy.

A lot of personal user data is required for opening and authenticating a bank account in the neobanks. Data privacy legislation has not yet caught up with advancements in technology. It raises concerns about the potential misuse of user data by neobanks. Similarly, cybersecurity is another major concern regarding neobank operations. Many neobanks are startups that are barely a few years old and rely heavily on venture capital funding for operations.

Neobanks may not have the funds to adopt the latest robust cybersecurity measures, leaving them vulnerable to cyberattacks. A cyberattack on a neobank could lead to catastrophic financial losses for the bank and its customers. Despite increased convenience, many people are hesitant to avail the services of neobanks due to security and privacy concerns. The cybersecurity and data privacy concerns limit the adoption of neobanking services and present a major challenge for the growth of the global market.

COVID-19 impact analysis

The COVID-19 pandemic had a positive impact on the global neobanking market. Normal routines and daily lives were disrupted due to the pandemic restrictions. Bank branches of traditional banks were closed and customers had to migrate to digital banking channels. Many customers of traditional banks faced difficulties in migration due to the cumbersome process and various bureaucratic policies instituted by banks.

The popularity of neobanks increased greatly during the pandemic. Since neobanks operate digitally without physical presence, the pandemic restrictions had minimal impact on operations. Many first-time customers opted to open accounts with neobanks for ease of use and increased convenience.

With the receding of the pandemic, neobanks face increasing competition from traditional banks and financial institutions. Many of them have utilized the pandemic experience to pursue digital-based growth strategies. Many traditional banks have rolled out digital banking services with zero balance and low service charges to compete with neobanks.

Although the COVID-19 pandemic positively impacted the global neobanking market, the market is expected to face significant challenges and increased competition. The pandemic is expected to aid the medium and long-term growth of the global neobanking market. The demand for neobanking services remains strong, especially in developing regions and the market is expected to grow significantly in the coming years.

Segment Analysis

The global neobanking market is segmented into account type, service, application and region. The neobanking market by account type is further segmented into business account and savings account. Savings account is leading in this segmentation since it is the most widely adopted neobanking account type.

Neobank's savings account offers many advantages for consumers over a traditional savings account. The consumer cannot maintain a balance within the account, whereas traditional banks have a minimum balance requirement. Furthermore, savings account-related services such as issuing debit cards and checkbooks are offered at modest and nominal rates instead of the hefty charges of traditional banks.

Consumers who maintain high account balances in neobank savings accounts are often made eligible for loans, credit cards and other financing options at extremely attractive interest rates. With the integration of the latest digital payment technologies, neobanks offer instant real-time payment and fund transfer services. Traditional banks have been slow in adopting new and emerging financial technologies, which has given a major competitive advantage to neobanks. Adopting savings accounts from neobanks is expected to accelerate in the coming years.

Geographical Analysis

Asia-Pacific has a leading regional share in the global neobanking market. Asia-Pacific is a rapidly industrializing region undergoing sustained economic growth. The region has a large tech-savvy young adult population, the main target demographic for neobanks. The adoption of emerging financial technologies is driving the growth of the neobanking market in Asia-Pacific. Many neobanks have emerged in the region in recent years. China, India, Malaysia, Taiwan and Singapore have some of the largest markets for neobanks.

Neobanks are formulating customized neobanking services to suit various income classes. Neobanks are offering simple, no-frills services to drive growth among first-time customers. Many governments in Asia-Pacific have rolled out national financial inclusion programs and neobanks have partnered with governments to provide banking services to the poor and unbanked.

The proliferation of smartphones and cheaper internet services across Asia-Pacific is a key factor in the growing popularity of neobanks in the region. With a large young population and rising technological innovation, Asia-Pacific is expected to become a key market for neobanking. The market for neobanking in Asia-Pacific is expected to expand significantly in the coming years.

Competitive Landscape

The global neobanking market is competitive due to the availability of various neobanking services that cater to different consumer requirements. Some major players contributing to growth in the market are Atom Bank PLC, Monzo Bank Ltd, SoFi Technologies, Inc., Nu Pagamentos S.A, Revolut Inc., Tinkoff Bank, N26 GmbH, Ubank, Fidor Bank and WeBank Co., Ltd. The players in the global neobanking market adopt several growth strategies such as launching new banking services, regional and global expansion, collaborations and government tie-ups to contribute to the growth of the industry.

SoFi Technologies, Inc.

Overview: SoFi Technologies, Inc. is a U.S.-based financial technology company offering various online banking and finance services. SoFi Technologies, Inc. was founded by a group of students at the Stanford Graduate School of Business with the goal of offering simplified banking services to the public. The company provides auto and student loans, home mortgages, investment and insurance products, personal loans, loan refinancing, credit cards and bank accounts. The company is currently expanding its user base by introducing new banking services. SoFi Technologies, Inc. was established in 2011 and is headquartered in San Francisco, California, U.S.

Product Portfolio

  • SoFi Checking Account is the company's flagship checking account for individuals and businesses. The account has no minimum balance fees and no overdraft charges. The account has an annual interest rate of 1.25%. The account also comes with a pre-loaded credit card which can be used at select partner stores to earn up to 15% cashback. The credit card can also be used to withdraw cash at a network of more than 55,000 ATMs across U.S.

Key Developments:

  • In April 2020, SoFi Technologies, Inc. acquired 8 Limited, a Hong Kong-based investment services company, for US$ 16.1 million. It was the company's first major acquisition outside U.S. and is intended to aid its expansion in Asia-Pacific.

Why Purchase the Report?

  • Visualize the composition of the neobanking market segmentation by the account type, service, application and region, highlighting the critical commercial assets and players.
  • Identify commercial opportunities in the neobanking market by analyzing trends and co-development deals.
  • Excel data sheet with thousands of global neobanking market-level 4/5 segmentation data points.
  • PDF report with the most relevant analysis cogently put together after exhaustive qualitative interviews and in-depth market study.
  • Product mapping in excel for the critical product of all major market players

The global neobanking market report would provide approximately 58 market data tables, 58 figures and 220 pages.

Target Audience 2022

  • Neobanking manufacturers
  • Wastewater treatment service providers
  • Oil and gas companies
  • Industry Investors/Investment Bankers
  • Education & Research Institutes
  • Research Professionals

Table of Contents

1. Global Neobanking Market Methodology and Scope

  • 1.1. Research Methodology
  • 1.2. Research Objective and Scope of the Report

2. Global Neobanking Market - Market Definition and Overview

3. Global Neobanking Market - Executive Summary

  • 3.1. Market Snippet by Account Type
  • 3.2. Market Snippet by Service
  • 3.3. Market Snippet by Application
  • 3.4. Market Snippet by Region

4. Global Neobanking Market-Market Dynamics

  • 4.1. Market Impacting Factors
    • 4.1.1. Drivers
      • 4.1.1.1. The increasing global drive for energy efficiency
      • 4.1.1.2. XX
    • 4.1.2. Restraints
      • 4.1.2.1. High costs of neobanking
      • 4.1.2.2. XX
    • 4.1.3. Opportunity
      • 4.1.3.1. XX
    • 4.1.4. Impact Analysis

5. Global Neobanking Market - Industry Analysis

  • 5.1. Porter's Five Forces Analysis
  • 5.2. Supply Chain Analysis
  • 5.3. Pricing Analysis
  • 5.4. Regulatory Analysis

6. Global Neobanking Market - COVID-19 Analysis

  • 6.1. Analysis of COVID-19 on the Market
    • 6.1.1. Before COVID-19 Market Scenario
    • 6.1.2. Present COVID-19 Market Scenario
    • 6.1.3. After COVID-19 or Future Scenario
  • 6.2. Pricing Dynamics Amid COVID-19
  • 6.3. Demand-Supply Spectrum
  • 6.4. Government Initiatives Related to the Market During Pandemic
  • 6.5. Manufacturers Strategic Initiatives
  • 6.6. Conclusion

7. Global Neobanking Market - By Account Type

  • 7.1. Introduction
    • 7.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By Account Type
    • 7.1.2. Market Attractiveness Index, By Account Type
  • 7.2. Business Account
    • 7.2.1. Introduction
    • 7.2.2. Market Size Analysis and Y-o-Y Growth Analysis (%)
  • 7.3. Savings Account

8. Global Neobanking Market - By Service

  • 8.1. Introduction
    • 8.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By Service
    • 8.1.2. Market Attractiveness Index, By Service
  • 8.2. Mobile Banking
    • 8.2.1. Introduction
    • 8.2.2. Market Size Analysis and Y-o-Y Growth Analysis (%)
  • 8.3. Payments and Money Transfer
  • 8.4. Checking/Savings Account
  • 8.5. Loans
  • 8.6. Others

9. Global Neobanking Market - By Application

  • 9.1. Introduction
    • 9.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By Application
    • 9.1.2. Market Attractiveness Index, By Application
  • 9.2. Enterprise
    • 9.2.1. Introduction
    • 9.2.2. Market Size Analysis and Y-o-Y Growth Analysis (%)
  • 9.3. Personal
  • 9.4. Others

10. Global Neobanking Market - By Region

  • 10.1. Introduction
    • 10.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By Region
    • 10.1.2. Market Attractiveness Index, By Region
  • 10.2. North America
    • 10.2.1. Introduction
    • 10.2.2. Key Region-Specific Dynamics
    • 10.2.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Account Type
    • 10.2.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Service
    • 10.2.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By Application
    • 10.2.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
      • 10.2.6.1. U.S.
      • 10.2.6.2. Canada
      • 10.2.6.3. Mexico
  • 10.3. Europe
    • 10.3.1. Introduction
    • 10.3.2. Key Region-Specific Dynamics
    • 10.3.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Account Type
    • 10.3.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Service
    • 10.3.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By Application
    • 10.3.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
      • 10.3.6.1. Germany
      • 10.3.6.2. UK
      • 10.3.6.3. France
      • 10.3.6.4. Italy
      • 10.3.6.5. Spain
      • 10.3.6.6. Rest of Europe
  • 10.4. South America
    • 10.4.1. Introduction
    • 10.4.2. Key Region-Specific Dynamics
    • 10.4.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Account Type
    • 10.4.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Service
    • 10.4.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By Application
    • 10.4.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
      • 10.4.6.1. Brazil
      • 10.4.6.2. Argentina
      • 10.4.6.3. Rest of South America
  • 10.5. Asia-Pacific
    • 10.5.1. Introduction
    • 10.5.2. Key Region-Specific Dynamics
    • 10.5.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Account Type
    • 10.5.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Service
    • 10.5.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By Application
    • 10.5.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
      • 10.5.6.1. China
      • 10.5.6.2. India
      • 10.5.6.3. Japan
      • 10.5.6.4. South Korea
      • 10.5.6.5. Rest of Asia-Pacific
  • 10.6. Middle East and Africa
    • 10.6.1. Introduction
    • 10.6.2. Key Region-Specific Dynamics
    • 10.6.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Account Type
    • 10.6.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Service
    • 10.6.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By Application

11. Global Neobanking Market - Competitive Landscape

  • 11.1. Competitive Scenario
  • 11.2. Market Positioning/Share Analysis
  • 11.3. Mergers and Acquisitions Analysis

12. Global Neobanking Market- Company Profiles

  • 12.1. SoFi Technologies, Inc.
    • 12.1.1. Company Overview
    • 12.1.2. Application Portfolio and Description
    • 12.1.3. Key Highlights
    • 12.1.4. Financial Overview
  • 12.2. Monzo Bank Ltd
  • 12.3. Atom Bank PLC
  • 12.4. Nu Pagamentos S.A
  • 12.5. Revolut Inc.
  • 12.6. Tinkoff Bank
  • 12.7. N26 GmbH
  • 12.8. Ubank
  • 12.9. Fidor Bank
  • 12.10. WeBank Co., Ltd.

LIST NOT EXHAUSTIVE

13. Global Neobanking Market - Premium Insights

14. Global Neobanking Market - DataM

  • 14.1. Appendix
  • 14.2. About Us and Services
  • 14.3. Contact Us