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市場調査レポート

デジタルバンキングの世界市場

Worldwide Digital Banking

発行 Juniper Research 商品コード 258835
出版日 ページ情報 英文
納期: 即日から翌営業日
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デジタルバンキングの世界市場 Worldwide Digital Banking
出版日: 2015年10月13日 ページ情報: 英文

当商品の販売は、2016年06月24日を持ちまして終了しました。

概要

当レポートでは、世界のデジタルバンキング市場の動向について包括的に調査し、モバイル&オンラインバンキング利用の現状、新興国・先進国市場における各種戦略とケーススタディ、主要事業者の位置付け、プロファイル、端末区分 (PC/ラップトップ・携帯端末・タブレット・ウェアラブル)・サービス区分 (EBPP・MBPPなど) 別のバンキングサービスのユーザー数、決済件数、決済額などの推移と予測などをまとめています。

市場動向・競合環境

第1章 デジタルバンキング市場のダイナミクス

  • デジタルコマース:イントロダクション
    • 市場区分
    • Eコマースの成長
    • 部門別分析
      • プッシュ型サービス:BIS (バンキング情報サービス)
      • プル型サービス:BPP (請求書決済)
  • 現在のデジタルバンキング部門
    • モバイル&オンラインバンキングの導入
      • クラウド戦略の構築の課題
      • ビッグデータ・カスタマーアナリティクスによる大規模な投資回収
    • 市場動向・成長推進因子・制約:サマリー
  • Juniperによるロードマッピング:デジタルバンキングの動向

第2章 デジタルバンキング:先進市場および新興市場の戦略

  • イントロダクション
    • 先進市場の戦略
  • イントロダクション
    • 先進市場の戦略
    • 新興市場の戦略
    • 無支店バンキング戦略
      • ケーススタディ:Fidor Bank
      • ケーススタディ:Monese
    • デジタルウォレット:新興市場のバンキング戦略の一部に
      • 新興市場
      • モバイルウォレット市場の予測
    • 貯蓄・マイクロインシュアランス・ローン支払い
      • ケーススタディ:MicroEnsure
      • 洗練されたモバイルファイナンシャルサービスユーザー

第3章 ステークホルダーの分析・ベンダーマトリックス・産業への影響者

  • イントロダクション
  • ベンダー分析
    • ベンダー評価基準
  • 制約・解釈
    • 新たな位置付けマトリクスの結果
    • ベンダーのグルーピング
  • モバイル&オンラインバンキング:主要事業者
  • 主要企業のプロファイル
    • Accenture
    • Monitive
    • Infosys (EdgeVerve)
    • Intelligent Environments
    • FIS
    • Fiserv
    • Tata Consultancy Services
    • Oracle Financial Services Software
    • Gemalto
    • Infobip
    • Mahindra Comviva
    • SAP
      • 企業概要
      • 地域的分布
      • 主要クライアント&提携関係
      • 提供製品に関する見解
      • Juniperによる見解:主な強みと発展の機会、など

市場規模・予測

第1章 モバイル&オンラインバンキング

  • イントロダクション
  • デジタルバンキング:市場予測サマリー
    • 請求書支払い:EBPP (電子請求書決済) vs MBPP (モバイル請求書決済)

第2章 市場予測:オンラインバンキングサービス

  • イントロダクション
  • 調査手法・前提因子
  • 市場予測:導入率・ユーザー数
    • オンラインバンキングのアドレサブル市場
  • オンラインバンキングのアドレサブル市場:口座保有者数
    • オンラインバンキングユーザー数:PCのみ
  • オンラインバンキング:EBPPの予測
    • EBPPユーザー数の予測
    • EBPPによる取引件数・取引額

第3章 市場予測:モバイルバンキングサービス

  • イントロダクション
  • MBIS (モバイルバンキングのプッシュ型情報サービス)
    • MBISユーザー数
    • プッシュ型メッセージング市場
  • MBPP:モバイル端末によるユーザー数
    • 端末ユーザー数の予測
    • 取引件数
    • 取引額
  • MBPP:タブレットによるユーザー数
    • タブレットユーザー数の予測
    • 取引件数
    • 取引額

第4章 市場予測:ウェアラブルバンキング情報サービス

  • イントロダクション
    • 調査手法・前提因子
    • スマートウォッチユーザー数の予測
    • バンキングアプリのアクセス数の予測
目次

Overview

Over the past 10 years, Juniper Research has pioneered research into the commerce sector. Our industry benchmark research on Digital Banking provides the most comprehensive and detailed view of both mobile and online platforms.

This research is essential for understanding the fundamental structure of the digital banking ecosystem, and includes data and analysis for Handsets, Tablets, PCs and Wearables.

Key Features

  • Provides an in-depth evaluation of the mobile and online banking ecosystem, highlighting adoption across key platforms:
    • PC/Laptop
    • Handsets
    • Tablets
    • Wearables
  • Strategic assessment of the key digital banking trends, including the development of banking apps and the opportunities for blockchain technology.
  • Interviews with leading players across the banking and commerce value chain:
    • Amdocs
    • Ericsson
    • Fidor Bank
    • FIS
    • Fiserv
    • Gemalto
    • Infosys EdgeVerve
    • Intelligent Environments
    • Mahindra Comviva
    • Monitise
    • MTN
  • Invaluable insight into the varying business models and strategies adopted by developed and developing nations.
  • Benchmark industry forecasts for the size and growth of the digital banking, including users and transaction values.
  • Key player capability and capacity assessment, together with our vendor market positioning matrix.
  • Key industry executives identified in our ‘Movers & Shakers' section.

Key Questions

  • 1. What are the top digital retail banking trends?
  • 2. What is the current state of wearable banking services?
  • 3. When will regional and global mobile banking users exceed online banking users?
  • 4. What are the primary business models for digital banking service providers?
  • 5. How will increased app usage impact messaging based banking services?

Companies Referenced

Interviewed: Amdocs, Ericsson, Fidor Bank, FIS, Fiserv, Gemalto, Infosys, Intelligent Environments, Mahindra Comviva, Monitise, MTN.

Profiled: Accenture, FIS, Fiserv, Gemalto, Infobip, Infosys (EdgeVerve), Intelligent Environments, Mahindra Comviva, Monitise, Oracle Financial Services Software, SAP, TCS (Tata Consultancy Services).

Case Studied: Barclays, Fidor Bank, MicroEnsure, Monese.

Mentioned: Agricultural Bank of China, Airtel, Alcatel-Lucent, AliPay, ALLTEL Information Services, Amazon, American Bankers Association, American Express, ANZ, Apple, Aricent, ASB, Atom Bank, Aurum Technology, Avidia Bank, Azer-Turk Bank, BancNet, Banco Galicia, Banco Nacional de Panamá, Bangladesh Bank, Bank of America, Bank of China, Bank of Tanzania, BankWare, Banrisul Bank, Barclaycard, BBA, BI & Data Warehouse, Bill & Melinda Gates Foundation, BlackBerry, BMO Harris, Caixa Bank, CashEdge, CBA (Canadian Bankers Association), CFCA (China Financial Certification Authority), CGAP (Consultative Group to Assist the Poor), CheckFree Corporation, China Banking Association, China Construction Bank, CIMB, Citi, Citrix, Concur Technologies, CSC, DAB Bank, Deutsche Bank, DNB, Dutch-Bangla Bank, eFunds, Experian, Facebook, FIAT, FIFA, First Data, First Gulf Bank, Fortune, Fujitsu, Generali Group, GSMA, H&R Block, Halifax Bank, HANA R&D, HBL, HDFC, Hewlett-Packard, Home Retail Group, Home Trust Canada, Household Bank, HSBC, hybris, IBM, ICBC Bank, ICICI, ING, Innovation Center for Financial Services, Intel, InterCept, IssBank, ITF, JP Morgan Chase, Juniper Networks, Kallidus, Kaspersky Labs, Key Bank, Kotak Bank, LinkedIn, Lloyds, Malauzai Software, MasterCard, McKinsey, M-Com, Metavante Technologies, Microfinance Bank, Microsoft, Mitsubishi, Mobey Forum, Nationwide, NatWest, Nedbank, Norges Bank, O2, Open Solutions, Opportunity International, Oracle Corporation, Orange, Osaifu Keitai, Paym, Payment Council of India, Payveris, Pebble, Pegasus Airlines, People's United Bank, PNC Bank, Poten & Partners, Pozitron Yazilim AS, Pranaya, PricewaterhouseCoopers, Qantas Credit Union, RBI (Reserve Bank of India), RBS, RBS, RBS Citizens, Ripple Labs, SafeNet, Sainsbury's Bank, Samsung, Santander, SK Telecom, SlideShare, SpareBank 1, Standard & Poor's, STG, Taiwan Mobile Payment Co, Tangerine Bank, Telefonica, Telenor Group, thinkmoney, Tsys, Türk Ekonomi Bankasi, Twitter, UBS, UnionPay, US Bank, VeriSign, Verizon, Visa, WeChat, Wells Fargo, Western Union, Whitbread, World Bank, YouTube, Ziraat Bank.

Data & Interactive Forecast

Juniper Research's highly granular interactive Excels (IFxls) enable clients to manipulate Juniper's forecast data and charts to test their own assumptions by using the Interactive Scenario Tool, and compare select markets and sectors side by side in customised charts and tables. IFxls greatly increase clients' ability to both understand a particular market and to integrate their own views into the model.

Forecast suite includes:

  • Regional splits for 8 key regions, as well as 12 country level data splits for:
    • Canada
    • China
    • Denmark
    • France
    • Germany
    • India
    • Norway
    • Portugal
    • Spain
    • Sweden
    • UK
    • US
  • Platform splits by PC, Mobile Handset, Tablet & Smartwatch.
  • Segment splits by Banking Information Services and Bill Payment & Presentment.
  • Interactive Scenario Tool allowing users to manipulate Juniper's data for 16 different metrics.
  • Access to the full set of forecast data of 66 tables and 8,500 datapoints.

Regions:

8 Key Regions - includes North America, Latin America, West Europe, Central & East Europe, Far East & China, Indian Subcontinent, Rest of Asia Pacific and Africa & Middle East.

Countries:

Canada, China, Denmark, France, Germany, India, Norway, Portugal, Sweden, UK, USA.

Table of Contents

Market Trends & Competitive Landscape

1. Digital Banking Market Dynamics

  • 1.1. Digital Commerce: An Introduction
    • 1.1.1. Market Segmentation
      • Figure 1.1: Digital Commerce Market Segmentation
    • 1.1.2. The Rise of eCommerce
      • Figure 1.2: 0nline Gross Merchandising Value Sales ($m), Selected Leading 0nline Storefronts, 2014
    • 1.1.3. Segment Analysis
      • i. Push Services - BIS (Banking Information Services)
      • ii. ‘Pull' Services - BPP (Bill Payment and Presentment)
        • Figure 1.3: Examples of Push and Pull Online Banking Services
  • 1.2. The Digital Banking Sector Today
    • 1.2.1. Mobile & Online Banking Adoption
      • Figure & Table 1.4: Banked, Mobile & Online Banked Individuals Split by 8 Key Regions: 2013-2014
      • Figure 1.5: Example of an 0mnichannel Banking Experience
      • Figure 1.6: Number of Bank Branches in the UK, 1990-2018e
      • Figure 1.7: Digital Banking Service Expansion
      • Figure 1.8: Barclays Bank Smartwatch App
      • Figure 1.9: Top 5 Financial Apps on App Store & Google Play, UK & US Markets - September 2015
      • Figure 1.10: UK Mobile Banking App Logins vs Internet Banking Logins (m) 2012-2014
      • Figure 1.11: Mobile Users who Access App based MBIS (m) 2013-2015e
      • Figure 1.12: Mobile Money Account vs Banking Penetration, Selected Markets, 2014 (%)
      • i. Challenge of Developing a Cloud Strategy
      • ii. The Drive for Big Returns via Big Data & Customer Analytics
        • Figure 1.13: ASB Clever Kash
        • Figure 1.14: Payment System Layers
    • 1.2.11. Market Trends, Drivers & Constraints Summary
      • Figure 1.15: Digital Banking Market Trends, Drivers & Constraints Summary
  • 1.3. Juniper Road mapping - Digital Banking Trends
    • Figure 1.16: Juniper Road mapping of Digital Banking Trends - Now, Near Future & Far Future

2. Digital Banking: Developed & Developing Market Strategies

  • 2.1. Introduction
    • 2.1.1. The Developed Market Strategic
  • 2.1. Introduction
    • 2.1.1. The Developed Market Strategy
      • Figure 2.1:A Bank-Led Interoperable Mobile Banking Ecosystem
    • 2.1.2. The Developing Market Strategy
      • Figure 2.2: Distribution Channels of Additive Services in Developing Markets
    • 2.1.3. The Branchless Banking Strategy
      • Table 2.3: Branchless Mobile Banking Advantages for Developing and Developed Markets
      • i. Case Study: Fidor Bank
      • ii. Case Study: Monese
    • 2.1.4. Digital Wallets: A Part of the Banking Strategy Developed Markets
      • ii. Developing Markets
      • iii. The Market for Mobile Wallets 2015-2020
        • Figure 2.4: Proportion of Mobile Handsets with Wallets (%) Split by 8 Key Regions 2015-2020
    • 2.1.5. Savings, Micro insurance and Loan Disbursement
      • i. Case Study: MicroEnsure
        • Figure 2.5: Number of Live Sophisticated Mobile Financial Services for the Unbanked, 2013-2014
      • ii. Sophisticated Mobile Financial Services Users
        • Figure & Table 2.6: Number of Sophisticated Mobile Financial Services Users

3. Stakeholder Analysis, Vendor Matrix & Industry Influencers

  • 3.1. Introduction
  • 3.2. Vendor Analysis
    • 3.2.1. Vendor Assessment Criteria
      • Table 3.1: Vendor Capability Assessment Criteria
  • 3.3. Limitations and Interpretation
    • 3.3.1. New Positioning Matrix Results
      • Figure 3.2: Mobile & 0nline Banking Vendor Positioning Matrix
      • Figure 3.3: Mobile & 0nline Banking Vendor Scoring
    • 3.3.2. Vendor Groupings
      • i. Summary
      • ii. 0n Track Vendors
      • iii. Vendors with Further Potential
  • 3.4. Mobile & 0nline Banking: Movers & Shakers
  • 3.5. Player Profiles
    • 3.5.1. Accenture
      • i. Corporate
      • ii. Geographic Spread
        • Figure 3.4: Accenture Group Revenue ($m)Split by Region 2012-2014
      • iii. Key Clients & Strategic Partnerships
      • iv. High Level View of Offerings
      • v. Junipers View: Accenture Key Strengths & Strategic Development Opportunities
    • 3.5.2. Monitive
      • i. Corporate
        • Figure 3.5: Monitive Group Revenue ($m) Split by Region 2012-2013
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High Level View of Offerings
        • Figure 3.6: Monitive Key Services Snapshot
      • v. Juniper's View: Monitive's Key Strengths & Strategic Development Opportunities
    • 3.5.3. Infosys (EdgeVerve)
      • i. Corporate
      • ii. Geographic Spread
        • Figure 3.7: Infosys Group Revenue ($m) Split by Region FY 2013-FY
      • iii. Key Clients & Strategic Partnerships
      • iv. High Level View of Offerings
      • v. Juniper's View: Infosys' Key Strengths & Strategic Development Opportunities
    • 3.5.4. Intelligent Environments
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High Level View of Offerings
      • v. Juniper's View: Intelligent Environments' Key Strengths & Strategic Development Opportunities
    • 3.5.5. FIS
      • i. Corporate
        • Table 3.8: FIS Segment Revenue ($m) Split FY2012-FY2014
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High Level View of Offerings
      • v. Juniper's View: Fiserv's Key Strengths & Strategic Development Opportunities
    • 3.5.6. Fiserv
    • 3.5.7. Tata Consultancy Services
      • i. Corporate
        • Figure 3.10: Infosys Segment Revenue ($m) Split FY2012-FY2014
      • ii. Geographic Spread
        • Figure 3.11: TCS Revenue by Geography (%)- FY 2015
      • iii. Key Clients & Strategic Partnerships
      • i. Corporate
      • iv. High Level View of Offerings
      • v. Juniper's View: TCS' Key Strengths & Strategic Development Opportunities
    • 3.5.8. Oracle Financial Services Software
      • Figure 3.12: Oracle Financial Services Snapshot FY2014-FY2015
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High Level View of Offerings
      • v. Juniper's View: Oracle Financial Services Software's Key Strengths & Strategic Development Opportunities
    • 3.5.9. Gemalto
      • i. Corporate
        • Figure 3.13: Gemalto Financial Snapshot, 2013-2014
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High Level View of Offerings
      • v. Juniper's View: Gemalto's Key Strengths & Strategic Development Opportunities
    • 3.5.10. Infobip
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High Level View of Offerings
        • Figure 3.14: Infobip Mobile Platform Overview
      • v. Juniper's View: Infobip's Key Strengths & Strategic Development Opportunities
    • 3.5.11. Mahindra Comviva
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High Level View of Offerings
      • v. Juniper's View: Mahindra Comviva's Key Strengths & Strategic Development Opportunities
    • 3.5.12. SAP
      • i. Corporate
        • Table 3.15: SAP Financial Performance Snapshot, 2013-2014
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High Level Offering
        • Figure 3.16: SAP Omnichannel Banking
      • v. Juniper's View: SAP Mobile Services Key Strengths & Strategic Development Opportunities

Market Sizing & Forecast

1. Mobile & 0nline Banking

  • 1.1. Introduction
    • 1.1.1. Market Segmentation
      • Figure 1.1: Digital Commerce Market Segmentation
    • 1.1.2. Segment Analysis
      • i. Push Services - Banking Information Services-
      • ii. 'Pull' Services - BPP (Bill Payment and Presentment)
  • 1.2. Digital Banking: Market Forecast Summary
    • Figure & Table 1.2: Mobile and 0nline Banking Service Adoption Comparison(m) 2015-2020
    • 1.2.1. Bill Payment: EBPP vs MBPP
      • Figure & Table 1.3: BPP Service Comparison for Mobile Handset and Tablet Users 2015-2020

2. Market Forecasts: 0nline Banking Services

  • 2.1. Introduction
  • 2.2. Methodology & Assumptions
    • 2.2.1. Banked Individuals Growth Trend Analysis
      • Figure 2.1:Online PC-based Banking Market Forecast Methodology
  • 2.3. Market Forecasts: Adoption & Users
    • 2.3.1. Online Banking Addressable Market
      • Figure & Table 2.2: Total Number of Adults (Aged 15+) (m) Split by 8 Key Regions 2015-2020
  • 2.4. Online Banking Addressable Market: Number of Banked Individuals
    • Figure & Table 2.3: Total Number of Banked Individuals (m)Split by 8 Key Regions 2015-2020
    • 2.4.4.1. Number of Online Banking Users, PC-based Only
      • Figure & Table 2.4: Total Number of 0nline Banking Users, PC-based Only (m), Split by 8 Key Regions 2015-2020
  • 2.5. Online Banking: EBPP Forecasts
    • 2.5.1. EBPP User Forecast
      • Figure & Table 2.5: Total Number of Online Banking Users (m) Who Make EBPP Transactions (m) Split by 8 Key Regions 2015-2020
    • 2.5.2. EBPP Transaction Volume and Value
      • Table 2.6: Total Number of Online EBPP Transactions (m)Split by 8 Key Region 2015-2020
      • Figure & Table 2.7: Total Online EBPP Transaction Value ($bn) Split by 8 Key Regions 2015-2020

3. Market Forecasts: Mobile Banking Services

  • 3.1. Introduction
    • 3.1.1. Methodology and Assumptions
      • i. Mobile Handset & Tablet Subscriber Growth Trend Analysis
      • ii. Extensive Primary & Secondary Research
        • Figure 3.1: Mobile Banking Forecast Methodology
  • 3.2. MBIS (Mobile Banking ‘Push' Information Services)
    • 3.2.1. MBIS Users
      • Table 3.2: Mobile Phone Users (%) Who Use MBIS Split by 8 Key Regions 2015-2020
      • Figure 3.3: Global Mobile Banking Adoption Comparison (%) as a Proportion of Mobile Users 2012-2020
      • Figure & Table 3.4: Total Mobile Phone Users (m)Accessing MBIS (mBanking Users) Split by 8 Key Regions 2015-2020
      • i. Mobile Banking Users: Split by Banking Channels
        • Figure 3.5: Mobile Banking User Segment Overlap
        • Figure & Table 3.6: Total Mobile Banking Users (m), Split by Messaging, App and Browser-based MBIS 2015-2020
    • 3.2.2. ‘Push' Messaging Market
      • Figure & Table 3.7:'Push' SMS Banking Messaging Wholesale Market Value ($m) Split by 8 Key Regions 2015-2020
  • 3.3. MBPP: Mobile Handset Users
    • 3.3.1. MBPP - Handset User Forecast
      • Table 3.8: Mobile Phone Users (%)Who Make MBPP Transactions Split by 8 Key Regions 2015-2020
      • Figur.e & Table 3.9: Total Mobile Phone Users (m)Who Make MBPP Transactions Split by 8 Key Regions 2015-2020
    • 3.3.2. Handset MBPP Transactional Traffic
      • Figure & Table 3.10: Total Number of Handset MBPP Transactions (m) Split by 8 Key Regions 2015-2020
    • 3.3.3. Handset MBPP Transaction Value
      • Figure & Table 3.11: Total Handset MBPP Transaction Value ($bn) Split by 8 Key Regions 2015-2020
  • 3.4. MBPP: Tablet Users
    • 3.4.1. Tablet - MBPP User Forecast
      • Table 3.12: Tablet Users (%)Who Make MBPP Transactions Split by 8 Key Regions 2015-2020
      • Figure & Table 3.13: Total Tablet Users (m)Who Make MBPP Transactions Split by 8 Key Regions 2015-2020
    • 3.4.2. Tablet MBPP Transactional Traffic
      • Figure & Table 3.14: Total Number of Tablet MBPP Transactions (m)Split by 8 Key Regions 2015-2020
    • 3.4.3. Tablet MBPP Transaction Value
      • Figure & Table 3.15: Total Tablet MBPP Transaction Value ($bn) Split by 8 Key Regions 2015-2020

4. Market Forecasts: Wearable Banking Information Services

  • 4.1. Introduction
    • 4.1.1. Methodology & Assumptions
      • Figure 4.1: Wearable Banking Forecast Methodology
    • 4.1.2. WBIS - Smartwatch User Forecast
      • Figure & Table 4.2: Number of Smartwatch Users (m)Accessing App based Wearable Banking Information Services (WBIS), Split by 8 Key Regions 2015-2020
    • 4.1.3. WBIS - Number of Banking Apps Accessed
      • Figure & Table 4.3: Number of Wearable Banking Apps Accessed for Banking Information Services (m) Split by 8 Key Regions 2015-2020
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