オープンバンキング市場：サービス、展開、流通チャネル別-2025-2030年の世界予測

オープンバンキング市場の2023年の市場規模は225億7,000万米ドルで、2024年には266億7,000万米ドルに達すると予測され、2030年にはCAGR 18.63%で746億6,000万米ドルに成長すると予測されています。

オープンバンキングは、金融データを従来のクローズドなシステムから、サードパーティの開発者がAPIを通じて銀行データにアクセスし、アプリケーションやサービスを構築できるエコシステムに移行させる変革的なアプローチを示しています。オープンバンキングの主な必要性は、金融の透明性の向上、個人データに対する消費者のコントロールの改善、競争力のあるイノベーションの必要性から生じています。アプリケーションには、パーソナライズされた財務管理アプリ、強化された中小企業向け融資ソリューション、高度な決済システムなどが含まれます。最終用途の範囲は、キャッシュフローや財務分析の管理能力を得るリテールバンキング、投資サービス、中小企業など様々なセクターを包含しています。

主な成長要因としては、規制による支援、より良い金融サービスを求める消費者の需要、AIやブロックチェーンにおける技術進歩などが挙げられます。PSD2規制が拍車をかけた欧州は大きな勢いを見せているが、アジア太平洋と北米はデジタルバンキング導入の増加により追い上げています。データ分析を活用することで、パーソナライズされた金融商品を提供することができます。企業への提言としては、フィンテック企業との戦略的提携や、増加するデジタル脅威に対処するためのサイバーセキュリティへの投資などがあります。

成長を阻害する課題としては、データ・プライバシーへの懸念、地域によって異なる規制のハードル、オープンバンキングのメリットに関する消費者の意識の低さなどが挙げられます。このような状況では、強固なリスク管理プロトコルとテクノロジー・インフラへの多額の初期投資が必要となります。そのためには、継続的な消費者教育と規制機関との積極的な関わりが重要です。

技術革新が必要な分野には、信用スコアリング、本人確認、詐欺検出のための高度な機械学習モデルの開発が含まれます。さらに、ブロックチェーンを統合することで、取引の安全性と透明性を高め、銀行とエンドユーザーの双方にアピールすることができます。市場は急速に進化しており、オープンバンキングは統合された金融エコシステムへとシフトしています。シームレスな消費者体験は今や極めて重要であり、拡大する消費者の期待に応え、市場浸透を効果的に推進するために、企業はユーザーフレンドリーなインターフェースとクロスプラットフォーム統合に注力することを推奨します。

市場力学：急速に進化するオープンバンキング市場における主要市場インサイトを公開

オープンバンキング市場は、需要と供給のダイナミックな相互作用によって変貌を遂げています。このような市場力学の進化を理解することで、企業は十分な情報に基づいた投資決定、戦略的決定の精緻化、そして新たなビジネスチャンスの獲得に備えることができます。これらの動向を包括的に把握することで、企業は政治的、地理的、技術的、社会的、経済的な領域にわたる様々なリスクを軽減することができ、また、消費者行動とそれが製造コストや購買動向に与える影響をより明確に理解することができます。

• 市場促進要因
  • オンラインおよびモバイル決済プラットフォームの利用の増加
  • 一元化されたサービスと金融手続きへの迅速なアクセスに起因する潜在的需要
  • 金融の透明性とオーダーメイドのバンキング・サービスに対する需要の高まり
• 市場抑制要因
  • 顧客の信頼性が低いという懸念
• 市場機会
  • 銀行セクターにおけるビッグデータ分析とAIの台頭
  • eコマース・プラットフォームの採用が大幅に増加
• 市場の課題
  • オンライン詐欺やサイバー攻撃に関する懸念

ポーターのファイブフォース：オープンバンキング市場をナビゲートする戦略ツール

ポーターのファイブフォースフレームワークは、市場情勢の競合情勢を理解するための重要なツールです。ポーターのファイブフォース・フレームワークは、企業の競争力を評価し、戦略的機会を探るための明確な手法を提供します。このフレームワークは、企業が市場内の勢力図を評価し、新規事業の収益性を判断するのに役立ちます。これらの洞察により、企業は自社の強みを活かし、弱みに対処し、潜在的な課題を回避することができ、より強靭な市場でのポジショニングを確保することができます。

PESTLE分析：オープンバンキング市場における外部からの影響の把握

外部マクロ環境要因は、オープンバンキング市場の業績ダイナミクスを形成する上で極めて重要な役割を果たします。政治的、経済的、社会的、技術的、法的、環境的要因の分析は、これらの影響をナビゲートするために必要な情報を提供します。PESTLE要因を調査することで、企業は潜在的なリスクと機会をよりよく理解することができます。この分析により、企業は規制、消費者の嗜好、経済動向の変化を予測し、先を見越した積極的な意思決定を行う準備ができます。

市場シェア分析オープンバンキング市場における競合情勢の把握

オープンバンキング市場の詳細な市場シェア分析により、ベンダーの業績を包括的に評価することができます。企業は、収益、顧客ベース、成長率などの主要指標を比較することで、競争上のポジショニングを明らかにすることができます。この分析により、市場の集中、断片化、統合の動向が明らかになり、ベンダーは競争が激化する中で自社の地位を高める戦略的意思決定を行うために必要な知見を得ることができます。

FPNVポジショニング・マトリックスオープンバンキング市場におけるベンダーのパフォーマンス評価

FPNVポジショニングマトリックスは、オープンバンキング市場においてベンダーを評価するための重要なツールです。このマトリックスにより、ビジネス組織はベンダーのビジネス戦略と製品満足度に基づき評価することで、目標に沿った十分な情報に基づいた意思決定を行うことができます。4つの象限によってベンダーを明確かつ正確にセグメント化し、戦略目標に最適なパートナーやソリューションを特定することができます。

戦略分析と推奨オープンバンキング市場における成功への道筋を描く

オープンバンキング市場の戦略分析は、世界市場でのプレゼンス強化を目指す企業にとって不可欠です。主要なリソース、能力、業績指標を見直すことで、企業は成長機会を特定し、改善に取り組むことができます。このアプローチにより、競合情勢における課題を克服し、新たなビジネスチャンスを活かして長期的な成功を収めるための体制を整えることができます。

本レポートでは、主要な注目分野を網羅した市場の包括的な分析を提供しています：

1.市場の浸透度：現在の市場環境の詳細なレビュー、主要企業による広範なデータ、市場でのリーチと全体的な影響力の評価。

2.市場の開拓度：新興市場における成長機会を特定し、既存分野における拡大可能性を評価し、将来の成長に向けた戦略的ロードマップを提供します。

3.市場の多様化：最近の製品発売、未開拓の地域、業界の主要な進歩、市場を形成する戦略的投資を分析します。

4.競合の評価と情報：競合情勢を徹底的に分析し、市場シェア、事業戦略、製品ポートフォリオ、認証、規制当局の承認、特許動向、主要企業の技術進歩などを検証します。

5.製品開発およびイノベーション：将来の市場成長を促進すると期待される最先端技術、研究開発活動、製品イノベーションをハイライトしています。

また、利害関係者が十分な情報を得た上で意思決定できるよう、重要な質問にも答えています：

1.現在の市場規模と今後の成長予測は？

2.最高の投資機会を提供する製品、セグメント、地域はどこか？

3.市場を形成する主な技術動向と規制の影響とは？

4.主要ベンダーの市場シェアと競合ポジションは？

5.ベンダーの市場参入・撤退戦略の原動力となる収益源と戦略的機会は何か？

目次

第1章 序文

第2章 調査手法

第3章 エグゼクティブサマリー

第4章 市場の概要

第5章 市場洞察

• 市場力学
  • 促進要因
    • オンラインおよびモバイル決済プラットフォームの利用増加
    • 集中化されたサービスと金融手続きへの迅速なアクセスに起因する潜在的な需要
    • 金融の透明性とカスタマイズされた銀行サービスに対する需要の高まり
  • 抑制要因
    • 顧客の信頼性が低いことへの懸念
  • 機会
    • 銀行業界におけるビッグデータ分析とAIの出現
    • eコマースプラットフォームの採用が大幅に増加
  • 課題
    • オンライン詐欺やサイバー攻撃に関する懸念
• 市場セグメンテーション分析
  • サービス：スマートフォンとモバイルベースのアプリケーションの拡大により、デジタル通貨の導入が進む
  • 流通チャネル：政府の支援と取り組みにより、世界中で銀行チャネルが拡大
• ポーターのファイブフォース分析
• PESTEL分析
  • 政治的
  • 経済
  • 社交
  • 技術的
  • 法律上
  • 環境

第6章 オープンバンキング市場：サービス別

• 銀行・資本市場
• デジタル通貨
• 支払い
• 付加価値サービス

第7章 オープンバンキング市場：展開別

• クラウド
• オンプレミス

第8章 オープンバンキング市場：流通チャネル別

• アグリゲーター
• アプリマーケット
• 銀行チャネル

第9章 南北アメリカのオープンバンキング市場

• アルゼンチン
• ブラジル
• カナダ
• メキシコ
• 米国

第10章 アジア太平洋地域のオープンバンキング市場

• オーストラリア
• 中国
• インド
• インドネシア
• 日本
• マレーシア
• フィリピン
• シンガポール
• 韓国
• 台湾
• タイ
• ベトナム

第11章 欧州・中東・アフリカのオープンバンキング市場

• デンマーク
• エジプト
• フィンランド
• フランス
• ドイツ
• イスラエル
• イタリア
• オランダ
• ナイジェリア
• ノルウェー
• ポーランド
• カタール
• ロシア
• サウジアラビア
• 南アフリカ
• スペイン
• スウェーデン
• スイス
• トルコ
• アラブ首長国連邦
• 英国

第12章 競合情勢

• 市場シェア分析2023
• FPNVポジショニングマトリックス, 2023
• 競合シナリオ分析
  • LandsbankinnがMenigaと提携し、オープンバンキングを活用したPISおよびAISサービスを開始
  • AtomicがPayLinkという新しいオープンバンキングツールをリリース
  • IFCとフィリピン中央銀行がOpen Finance PHパイロットを開始し、銀行業務の変革への道を開く
• 戦略分析と提言

企業一覧

• Alkami Technology Inc.
• Amplify Platform. by TrillerNet
• Banco Bilbao Vizcaya Argentaria, S.A. by PNC Financial Services
• Bud Financial
• Cashfree Payments India Private Limited
• Codat Limited
• Cross River Bank
• Credit Agricole CIB
• DirectID
• Finastra
• Fincity by Mastercard
• Flinks
• GoCardless Ltd.
• Jack Henry & Associates, Inc.
• M2P Solutions Private Limited
• Minna Technologies AB
• Nubank
• Plaid Inc. by Visa
• Railsbank Technology Ltd.
• Salt Edge
• Stitch
• Stripe, Inc.
• Token.io Ltd.
• TrueLayer Ltd.
• Yodlee by Envestnet

LIST OF FIGURES

• FIGURE 1. OPEN BANKING MARKET RESEARCH PROCESS
• FIGURE 2. OPEN BANKING MARKET SIZE, 2023 VS 2030
• FIGURE 3. GLOBAL OPEN BANKING MARKET SIZE, 2018-2030 (USD MILLION)
• FIGURE 4. GLOBAL OPEN BANKING MARKET SIZE, BY REGION, 2023 VS 2024 VS 2030 (USD MILLION)
• FIGURE 5. GLOBAL OPEN BANKING MARKET SIZE, BY COUNTRY, 2023 VS 2024 VS 2030 (USD MILLION)
• FIGURE 6. GLOBAL OPEN BANKING MARKET SIZE, BY SERVICES, 2023 VS 2030 (%)
• FIGURE 7. GLOBAL OPEN BANKING MARKET SIZE, BY SERVICES, 2023 VS 2024 VS 2030 (USD MILLION)
• FIGURE 8. GLOBAL OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2023 VS 2030 (%)
• FIGURE 9. GLOBAL OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2023 VS 2024 VS 2030 (USD MILLION)
• FIGURE 10. GLOBAL OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2023 VS 2030 (%)
• FIGURE 11. GLOBAL OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2023 VS 2024 VS 2030 (USD MILLION)
• FIGURE 12. AMERICAS OPEN BANKING MARKET SIZE, BY COUNTRY, 2023 VS 2030 (%)
• FIGURE 13. AMERICAS OPEN BANKING MARKET SIZE, BY COUNTRY, 2023 VS 2024 VS 2030 (USD MILLION)
• FIGURE 14. UNITED STATES OPEN BANKING MARKET SIZE, BY STATE, 2023 VS 2030 (%)
• FIGURE 15. UNITED STATES OPEN BANKING MARKET SIZE, BY STATE, 2023 VS 2024 VS 2030 (USD MILLION)
• FIGURE 16. ASIA-PACIFIC OPEN BANKING MARKET SIZE, BY COUNTRY, 2023 VS 2030 (%)
• FIGURE 17. ASIA-PACIFIC OPEN BANKING MARKET SIZE, BY COUNTRY, 2023 VS 2024 VS 2030 (USD MILLION)
• FIGURE 18. EUROPE, MIDDLE EAST & AFRICA OPEN BANKING MARKET SIZE, BY COUNTRY, 2023 VS 2030 (%)
• FIGURE 19. EUROPE, MIDDLE EAST & AFRICA OPEN BANKING MARKET SIZE, BY COUNTRY, 2023 VS 2024 VS 2030 (USD MILLION)
• FIGURE 20. OPEN BANKING MARKET SHARE, BY KEY PLAYER, 2023
• FIGURE 21. OPEN BANKING MARKET, FPNV POSITIONING MATRIX, 2023

LIST OF TABLES

• TABLE 1. OPEN BANKING MARKET SEGMENTATION & COVERAGE
• TABLE 2. UNITED STATES DOLLAR EXCHANGE RATE, 2018-2023
• TABLE 3. GLOBAL OPEN BANKING MARKET SIZE, 2018-2030 (USD MILLION)
• TABLE 4. GLOBAL OPEN BANKING MARKET SIZE, BY REGION, 2018-2030 (USD MILLION)
• TABLE 5. GLOBAL OPEN BANKING MARKET SIZE, BY COUNTRY, 2018-2030 (USD MILLION)
• TABLE 6. OPEN BANKING MARKET DYNAMICS
• TABLE 7. GLOBAL OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 8. GLOBAL OPEN BANKING MARKET SIZE, BY BANKING & CAPITAL MARKETS, BY REGION, 2018-2030 (USD MILLION)
• TABLE 9. GLOBAL OPEN BANKING MARKET SIZE, BY DIGITAL CURRENCIES, BY REGION, 2018-2030 (USD MILLION)
• TABLE 10. GLOBAL OPEN BANKING MARKET SIZE, BY PAYMENTS, BY REGION, 2018-2030 (USD MILLION)
• TABLE 11. GLOBAL OPEN BANKING MARKET SIZE, BY VALUE ADDED SERVICES, BY REGION, 2018-2030 (USD MILLION)
• TABLE 12. GLOBAL OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 13. GLOBAL OPEN BANKING MARKET SIZE, BY CLOUD, BY REGION, 2018-2030 (USD MILLION)
• TABLE 14. GLOBAL OPEN BANKING MARKET SIZE, BY ON-PREMISE, BY REGION, 2018-2030 (USD MILLION)
• TABLE 15. GLOBAL OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 16. GLOBAL OPEN BANKING MARKET SIZE, BY AGGREGATORS, BY REGION, 2018-2030 (USD MILLION)
• TABLE 17. GLOBAL OPEN BANKING MARKET SIZE, BY APP MARKET, BY REGION, 2018-2030 (USD MILLION)
• TABLE 18. GLOBAL OPEN BANKING MARKET SIZE, BY BANK CHANNEL, BY REGION, 2018-2030 (USD MILLION)
• TABLE 19. AMERICAS OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 20. AMERICAS OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 21. AMERICAS OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 22. AMERICAS OPEN BANKING MARKET SIZE, BY COUNTRY, 2018-2030 (USD MILLION)
• TABLE 23. ARGENTINA OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 24. ARGENTINA OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 25. ARGENTINA OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 26. BRAZIL OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 27. BRAZIL OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 28. BRAZIL OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 29. CANADA OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 30. CANADA OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 31. CANADA OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 32. MEXICO OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 33. MEXICO OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 34. MEXICO OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 35. UNITED STATES OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 36. UNITED STATES OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 37. UNITED STATES OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 38. UNITED STATES OPEN BANKING MARKET SIZE, BY STATE, 2018-2030 (USD MILLION)
• TABLE 39. ASIA-PACIFIC OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 40. ASIA-PACIFIC OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 41. ASIA-PACIFIC OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 42. ASIA-PACIFIC OPEN BANKING MARKET SIZE, BY COUNTRY, 2018-2030 (USD MILLION)
• TABLE 43. AUSTRALIA OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 44. AUSTRALIA OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 45. AUSTRALIA OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 46. CHINA OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 47. CHINA OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 48. CHINA OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 49. INDIA OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 50. INDIA OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 51. INDIA OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 52. INDONESIA OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 53. INDONESIA OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 54. INDONESIA OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 55. JAPAN OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 56. JAPAN OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 57. JAPAN OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 58. MALAYSIA OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 59. MALAYSIA OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 60. MALAYSIA OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 61. PHILIPPINES OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 62. PHILIPPINES OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 63. PHILIPPINES OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 64. SINGAPORE OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 65. SINGAPORE OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 66. SINGAPORE OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 67. SOUTH KOREA OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 68. SOUTH KOREA OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 69. SOUTH KOREA OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 70. TAIWAN OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 71. TAIWAN OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 72. TAIWAN OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 73. THAILAND OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 74. THAILAND OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 75. THAILAND OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 76. VIETNAM OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 77. VIETNAM OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 78. VIETNAM OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 79. EUROPE, MIDDLE EAST & AFRICA OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 80. EUROPE, MIDDLE EAST & AFRICA OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 81. EUROPE, MIDDLE EAST & AFRICA OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 82. EUROPE, MIDDLE EAST & AFRICA OPEN BANKING MARKET SIZE, BY COUNTRY, 2018-2030 (USD MILLION)
• TABLE 83. DENMARK OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 84. DENMARK OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 85. DENMARK OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 86. EGYPT OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 87. EGYPT OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 88. EGYPT OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 89. FINLAND OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 90. FINLAND OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 91. FINLAND OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 92. FRANCE OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 93. FRANCE OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 94. FRANCE OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 95. GERMANY OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 96. GERMANY OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 97. GERMANY OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 98. ISRAEL OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 99. ISRAEL OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 100. ISRAEL OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 101. ITALY OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 102. ITALY OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 103. ITALY OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 104. NETHERLANDS OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 105. NETHERLANDS OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 106. NETHERLANDS OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 107. NIGERIA OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 108. NIGERIA OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 109. NIGERIA OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 110. NORWAY OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 111. NORWAY OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 112. NORWAY OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 113. POLAND OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 114. POLAND OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 115. POLAND OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 116. QATAR OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 117. QATAR OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 118. QATAR OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 119. RUSSIA OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 120. RUSSIA OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 121. RUSSIA OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 122. SAUDI ARABIA OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 123. SAUDI ARABIA OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 124. SAUDI ARABIA OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 125. SOUTH AFRICA OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 126. SOUTH AFRICA OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 127. SOUTH AFRICA OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 128. SPAIN OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 129. SPAIN OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 130. SPAIN OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 131. SWEDEN OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 132. SWEDEN OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 133. SWEDEN OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 134. SWITZERLAND OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 135. SWITZERLAND OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 136. SWITZERLAND OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 137. TURKEY OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 138. TURKEY OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 139. TURKEY OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 140. UNITED ARAB EMIRATES OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 141. UNITED ARAB EMIRATES OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 142. UNITED ARAB EMIRATES OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 143. UNITED KINGDOM OPEN BANKING MARKET SIZE, BY SERVICES, 2018-2030 (USD MILLION)
• TABLE 144. UNITED KINGDOM OPEN BANKING MARKET SIZE, BY DEPLOYMENT, 2018-2030 (USD MILLION)
• TABLE 145. UNITED KINGDOM OPEN BANKING MARKET SIZE, BY DISTRIBUTION CHANNEL, 2018-2030 (USD MILLION)
• TABLE 146. OPEN BANKING MARKET SHARE, BY KEY PLAYER, 2023
• TABLE 147. OPEN BANKING MARKET, FPNV POSITIONING MATRIX, 2023

The Open Banking Market was valued at USD 22.57 billion in 2023, expected to reach USD 26.67 billion in 2024, and is projected to grow at a CAGR of 18.63%, to USD 74.66 billion by 2030.

Open Banking represents a transformative approach to moving financial data from traditionally closed systems into an ecosystem where third-party developers can access banking data via APIs to build applications and services. The main necessity for Open Banking arises from the need for increased financial transparency, improved consumer control over personal data, and competitive innovations. Applications include personalized financial management apps, enhanced SME financing solutions, and advanced payment systems. The end-use scope envelops various sectors such as retail banking, investment services, and small to medium-sized enterprises that gain capabilities in managing cash flow and financial analytics.

Key growth factors include regulatory support, consumer demand for better financial services, and technological advancements in AI and blockchain. Europe, spurred by PSD2 regulations, shows significant momentum, but Asia-Pacific and North America are catching up due to increased digital banking adoption. One potential opportunity lies in tapping into underserved markets through fintech; leveraging data analytics can drive personalized financial products. Recommendations for businesses include forming strategic alliances with fintech firms and investing in cybersecurity to tackle increasing digital threats.

Challenges hindering growth involve data privacy concerns, regulatory hurdles varying between regions, and limited consumer awareness about Open Banking benefits. This situation requires robust risk management protocols and heavy initial investment in technology infrastructure. To this end, continuous consumer education and proactive engagement with regulatory bodies are crucial.

Areas ripe for innovation include developing advanced machine learning models for credit scoring, identity verification, and fraud detection. Additionally, integrating blockchain could enhance transaction security and transparency, appealing to both banks and end-users. The market is rapidly evolving, with Open Banking shifting towards integrated financial ecosystems, enabling agile products tailored to changing consumer behaviors. Seamless consumer experiences are now pivotal, recommending that businesses focus on user-friendly interfaces and cross-platform integration to capitalize on expanding consumer expectations and drive market penetration effectively.

Market Dynamics: Unveiling Key Market Insights in the Rapidly Evolving Open Banking Market

The Open Banking Market is undergoing transformative changes driven by a dynamic interplay of supply and demand factors. Understanding these evolving market dynamics prepares business organizations to make informed investment decisions, refine strategic decisions, and seize new opportunities. By gaining a comprehensive view of these trends, business organizations can mitigate various risks across political, geographic, technical, social, and economic domains while also gaining a clearer understanding of consumer behavior and its impact on manufacturing costs and purchasing trends.

• Market Drivers
  • Increasing use of online and mobile payment platforms
  • Potential demand attributed to centralized services and rapid access to financial procedures
  • Increasing demand for financial transparency and tailored banking services
• Market Restraints
  • Concern regarding low customer credibility
• Market Opportunities
  • Emergence of big data analytics and AI in the banking sector
  • Significant growth in the adoption of e-commerce platforms
• Market Challenges
  • Concerns associated with online fraud and cyber attacks

Porter's Five Forces: A Strategic Tool for Navigating the Open Banking Market

Porter's five forces framework is a critical tool for understanding the competitive landscape of the Open Banking Market. It offers business organizations with a clear methodology for evaluating their competitive positioning and exploring strategic opportunities. This framework helps businesses assess the power dynamics within the market and determine the profitability of new ventures. With these insights, business organizations can leverage their strengths, address weaknesses, and avoid potential challenges, ensuring a more resilient market positioning.

PESTLE Analysis: Navigating External Influences in the Open Banking Market

External macro-environmental factors play a pivotal role in shaping the performance dynamics of the Open Banking Market. Political, Economic, Social, Technological, Legal, and Environmental factors analysis provides the necessary information to navigate these influences. By examining PESTLE factors, businesses can better understand potential risks and opportunities. This analysis enables business organizations to anticipate changes in regulations, consumer preferences, and economic trends, ensuring they are prepared to make proactive, forward-thinking decisions.

Market Share Analysis: Understanding the Competitive Landscape in the Open Banking Market

A detailed market share analysis in the Open Banking Market provides a comprehensive assessment of vendors' performance. Companies can identify their competitive positioning by comparing key metrics, including revenue, customer base, and growth rates. This analysis highlights market concentration, fragmentation, and trends in consolidation, offering vendors the insights required to make strategic decisions that enhance their position in an increasingly competitive landscape.

FPNV Positioning Matrix: Evaluating Vendors' Performance in the Open Banking Market

The Forefront, Pathfinder, Niche, Vital (FPNV) Positioning Matrix is a critical tool for evaluating vendors within the Open Banking Market. This matrix enables business organizations to make well-informed decisions that align with their goals by assessing vendors based on their business strategy and product satisfaction. The four quadrants provide a clear and precise segmentation of vendors, helping users identify the right partners and solutions that best fit their strategic objectives.

Strategy Analysis & Recommendation: Charting a Path to Success in the Open Banking Market

A strategic analysis of the Open Banking Market is essential for businesses looking to strengthen their global market presence. By reviewing key resources, capabilities, and performance indicators, business organizations can identify growth opportunities and work toward improvement. This approach helps businesses navigate challenges in the competitive landscape and ensures they are well-positioned to capitalize on newer opportunities and drive long-term success.

Key Company Profiles

The report delves into recent significant developments in the Open Banking Market, highlighting leading vendors and their innovative profiles. These include Alkami Technology Inc., Amplify Platform. by TrillerNet, Banco Bilbao Vizcaya Argentaria, S.A. by PNC Financial Services, Bud Financial, Cashfree Payments India Private Limited, Codat Limited, Cross River Bank, Credit Agricole CIB, DirectID, Finastra, Fincity by Mastercard, Flinks, GoCardless Ltd., Jack Henry & Associates, Inc., M2P Solutions Private Limited, Minna Technologies AB, Nubank, Plaid Inc. by Visa, Railsbank Technology Ltd., Salt Edge, Stitch, Stripe, Inc., Token.io Ltd., TrueLayer Ltd., and Yodlee by Envestnet.

Market Segmentation & Coverage

This research report categorizes the Open Banking Market to forecast the revenues and analyze trends in each of the following sub-markets:

• Based on Services, market is studied across Banking & Capital Markets, Digital Currencies, Payments, and Value Added Services.
• Based on Deployment, market is studied across Cloud and On-Premise.
• Based on Distribution Channel, market is studied across Aggregators, App Market, and Bank Channel.
• Based on Region, market is studied across Americas, Asia-Pacific, and Europe, Middle East & Africa. The Americas is further studied across Argentina, Brazil, Canada, Mexico, and United States. The United States is further studied across California, Florida, Illinois, New York, Ohio, Pennsylvania, and Texas. The Asia-Pacific is further studied across Australia, China, India, Indonesia, Japan, Malaysia, Philippines, Singapore, South Korea, Taiwan, Thailand, and Vietnam. The Europe, Middle East & Africa is further studied across Denmark, Egypt, Finland, France, Germany, Israel, Italy, Netherlands, Nigeria, Norway, Poland, Qatar, Russia, Saudi Arabia, South Africa, Spain, Sweden, Switzerland, Turkey, United Arab Emirates, and United Kingdom.

The report offers a comprehensive analysis of the market, covering key focus areas:

1. Market Penetration: A detailed review of the current market environment, including extensive data from top industry players, evaluating their market reach and overall influence.

2. Market Development: Identifies growth opportunities in emerging markets and assesses expansion potential in established sectors, providing a strategic roadmap for future growth.

3. Market Diversification: Analyzes recent product launches, untapped geographic regions, major industry advancements, and strategic investments reshaping the market.

4. Competitive Assessment & Intelligence: Provides a thorough analysis of the competitive landscape, examining market share, business strategies, product portfolios, certifications, regulatory approvals, patent trends, and technological advancements of key players.

5. Product Development & Innovation: Highlights cutting-edge technologies, R&D activities, and product innovations expected to drive future market growth.

The report also answers critical questions to aid stakeholders in making informed decisions:

1. What is the current market size, and what is the forecasted growth?

2. Which products, segments, and regions offer the best investment opportunities?

3. What are the key technology trends and regulatory influences shaping the market?

4. How do leading vendors rank in terms of market share and competitive positioning?

5. What revenue sources and strategic opportunities drive vendors' market entry or exit strategies?

Table of Contents

1. Preface

• 1.1. Objectives of the Study
• 1.2. Market Segmentation & Coverage
• 1.3. Years Considered for the Study
• 1.4. Currency & Pricing
• 1.5. Language
• 1.6. Stakeholders

2. Research Methodology

• 2.1. Define: Research Objective
• 2.2. Determine: Research Design
• 2.3. Prepare: Research Instrument
• 2.4. Collect: Data Source
• 2.5. Analyze: Data Interpretation
• 2.6. Formulate: Data Verification
• 2.7. Publish: Research Report
• 2.8. Repeat: Report Update

3. Executive Summary

4. Market Overview

5. Market Insights

• 5.1. Market Dynamics
  • 5.1.1. Drivers
    • 5.1.1.1. Increasing use of online and mobile payment platforms
    • 5.1.1.2. Potential demand attributed to centralized services and rapid access to financial procedures
    • 5.1.1.3. Increasing demand for financial transparency and tailored banking services
  • 5.1.2. Restraints
    • 5.1.2.1. Concern regarding low customer credibility
  • 5.1.3. Opportunities
    • 5.1.3.1. Emergence of big data analytics and AI in the banking sector
    • 5.1.3.2. Significant growth in the adoption of e-commerce platforms
  • 5.1.4. Challenges
    • 5.1.4.1. Concerns associated with online fraud and cyber attacks
• 5.2. Market Segmentation Analysis
  • 5.2.1. Services: Expansion of smartphones and mobile-based applications leading to the adoption of digital currencies
  • 5.2.2. Distribution Channel: Expansion of bank channels across the world owing to government support and initiatives
• 5.3. Porter's Five Forces Analysis
  • 5.3.1. Threat of New Entrants
  • 5.3.2. Threat of Substitutes
  • 5.3.3. Bargaining Power of Customers
  • 5.3.4. Bargaining Power of Suppliers
  • 5.3.5. Industry Rivalry
• 5.4. PESTLE Analysis
  • 5.4.1. Political
  • 5.4.2. Economic
  • 5.4.3. Social
  • 5.4.4. Technological
  • 5.4.5. Legal
  • 5.4.6. Environmental

6. Open Banking Market, by Services

• 6.1. Introduction
• 6.2. Banking & Capital Markets
• 6.3. Digital Currencies
• 6.4. Payments
• 6.5. Value Added Services

7. Open Banking Market, by Deployment

• 7.1. Introduction
• 7.2. Cloud
• 7.3. On-Premise

8. Open Banking Market, by Distribution Channel

• 8.1. Introduction
• 8.2. Aggregators
• 8.3. App Market
• 8.4. Bank Channel

9. Americas Open Banking Market

• 9.1. Introduction
• 9.2. Argentina
• 9.3. Brazil
• 9.4. Canada
• 9.5. Mexico
• 9.6. United States

10. Asia-Pacific Open Banking Market

• 10.1. Introduction
• 10.2. Australia
• 10.3. China
• 10.4. India
• 10.5. Indonesia
• 10.6. Japan
• 10.7. Malaysia
• 10.8. Philippines
• 10.9. Singapore
• 10.10. South Korea
• 10.11. Taiwan
• 10.12. Thailand
• 10.13. Vietnam

11. Europe, Middle East & Africa Open Banking Market

• 11.1. Introduction
• 11.2. Denmark
• 11.3. Egypt
• 11.4. Finland
• 11.5. France
• 11.6. Germany
• 11.7. Israel
• 11.8. Italy
• 11.9. Netherlands
• 11.10. Nigeria
• 11.11. Norway
• 11.12. Poland
• 11.13. Qatar
• 11.14. Russia
• 11.15. Saudi Arabia
• 11.16. South Africa
• 11.17. Spain
• 11.18. Sweden
• 11.19. Switzerland
• 11.20. Turkey
• 11.21. United Arab Emirates
• 11.22. United Kingdom

12. Competitive Landscape

• 12.1. Market Share Analysis, 2023
• 12.2. FPNV Positioning Matrix, 2023
• 12.3. Competitive Scenario Analysis
  • 12.3.1. Landsbankinn Partners Meniga to Launch Open Banking-powered PIS and AIS Services
  • 12.3.2. Atomic Launches New Open Banking Tool Called PayLink
  • 12.3.3. IFC and Philippine Central Bank Pave the Way for Banking Transformation with Launch of Open Finance PH Pilot
• 12.4. Strategy Analysis & Recommendation

Companies Mentioned

• 1. Alkami Technology Inc.
• 2. Amplify Platform. by TrillerNet
• 3. Banco Bilbao Vizcaya Argentaria, S.A. by PNC Financial Services
• 4. Bud Financial
• 5. Cashfree Payments India Private Limited
• 6. Codat Limited
• 7. Cross River Bank
• 8. Credit Agricole CIB
• 9. DirectID
• 10. Finastra
• 11. Fincity by Mastercard
• 12. Flinks
• 13. GoCardless Ltd.
• 14. Jack Henry & Associates, Inc.
• 15. M2P Solutions Private Limited
• 16. Minna Technologies AB
• 17. Nubank
• 18. Plaid Inc. by Visa
• 19. Railsbank Technology Ltd.
• 20. Salt Edge
• 21. Stitch
• 22. Stripe, Inc.
• 23. Token.io Ltd.
• 24. TrueLayer Ltd.
• 25. Yodlee by Envestnet