日本のネオバンキング市場：口座タイプ別、用途別、サービス別、地域別、機会、予測、2018年～2032年

日本のネオバンキングの市場規模は、2025年～2032年の予測期間中に20.09％のCAGRで拡大し、2024年の72億6,000万米ドルから2032年には314億米ドルに成長すると予測されています。同市場は、近代的な金融ソリューションに対する消費者の多面的な需要によって著しい成長を遂げています。スマートフォンの普及とデジタルバンキングの増加は消費者行動に大きな影響を与え、消費者の嗜好は便利で手頃な価格のバンキングへとシフトしています。AIやブロックチェーンなどの先進技術により、ネオバンクは顧客体験を向上させる革新的で安全な金融商品を提供できます。規制の枠組みや政府のイニシアティブによる支援は、フィンテックイノベーションを促進する環境を作り出しています。ネオバンクは従来の同業他社よりも運営コストを低く抑えることができるため、競争力のある価格設定を実現し、十分なサービスを受けていない層にも金融サービスへの参加を拡大することができます。その結果、日本のネオバンキング市場は活気にあふれ、最も急速に成長している市場のひとつとなっています。

ネオバンクは、迅速な口座開設、リアルタイムの取引、自宅からの快適なアクセスを顧客に提供しています。2024年、Wiseは日本で第1種資金移動業免許を取得したグローバルテクノロジー企業であり、国際金融サービス・プロバイダーの先駆けです。このライセンスにより、ワイズ・ペイメント・ジャパン株式会社を通じて、これまで100万円であった取引限度額が拡大されます。

デジタルバンキング導入の増加は、日本のネオバンキング市場に大きな追い風となると思われます。デジタルバンキング動向は、顧客の利便性向上というトレンドに追いつき、急速に進展しています。日本の顧客は、銀行へのアクセス手段としてスマートフォンやその他のデジタル手段を好むようになっており、ネオバンクはユーザーやアプリに優しいプラットフォームを提供することで、この現象をうまく利用しています。このようなデジタルバンキングの成長は、オンラインおよびモバイル金融サービスの広範な動向を反映しており、ネオバンキングのコストフレンドリーで革新的な提案の魅力を裏付けています。強化されたデジタル体験は、フィンテックの進歩とともに、従来の金融機関からネオバンクが提供する柔軟で利用しやすいソリューションへと消費者を引き付けています。したがって、日本におけるネオバンキングは、デジタルバンキングへのニーズの加速により増加し、金融シナリオを変化させ、さらなるイノベーションを促すとみられています。

当レポートでは、日本のネオバンキング市場について調査し、市場の概要とともに、口座タイプ別、用途別、サービス別、地域別動向、および市場に参入する企業のプロファイルなどを提供しています。

目次

第1章 プロジェクトの範囲と定義

第2章 調査手法

第3章 エグゼクティブサマリー

第4章 顧客の声

第5章 日本のネオバンキング市場の見通し、2018年～2032年

• 市場規模の分析と予測
• 市場シェア分析と予測
• 市場マップ分析、2024年
  • 口座タイプ別
  • 用途別
  • サービス別
  • 地域別

第6章 需要供給分析

第7章 バリューチェーン分析

第8章 ポーターのファイブフォース分析

第9章 PESTLE分析

第10章 金利分析

第11章 市場力学

第12章 市場の動向と発展

第13章 ケーススタディ

第14章 競合情勢

• 市場リーダートップ5の競合マトリックス
• 参入企業トップ5のSWOT分析
• 市場の主要参入企業トップ10の情勢
  • Japan Airlines Company Limited
  • Au Jibun Bank Corporation
  • Kyash Inc
  • Neat Limited
  • Sony Bank Inc.
  • SBI Sumishin Net Bank Limited
  • Rakuten Bank Limited
  • TransferGo Limited
  • Wise Payments Japan K.K.
  • WorldRemit Limited

第15章 戦略的提言

第16章 お問い合わせと免責事項

List of Tables

• Table 1. Pricing Analysis of Products from Key Players
• Table 2. Competition Matrix of Top 5 Market Leaders
• Table 3. Mergers & Acquisitions/ Joint Ventures (If Applicable)
• Table 4. About Us - Regions and Countries Where We Have Executed Client Projects

List of Figures

• Figure 1. Japan Neobanking Market, By Value, In USD Billion, FY2018-FY2032F
• Figure 2. Japan Neobanking Market Share (%), By Account Type, FY2018-FY2032F
• Figure 3. Japan Neobanking Market Share (%), By Application, FY2018-FY2032F
• Figure 4. Japan Neobanking Market Share (%), By Service, FY2018-FY2032F
• Figure 5. Japan Neobanking Market Share (%), By Region, FY2018-FY2032F
• Figure 6. By Account Type Map-Market Size (USD Billion) & Growth Rate (%), FY2024
• Figure 7. By Application Map-Market Size (USD Billion) & Growth Rate (%), FY2024
• Figure 8. By Service Map-Market Size (USD Billion) & Growth Rate (%), FY2024
• Figure 9. By Region Map-Market Size (USD Billion) & Growth Rate (%), FY2024

Japan neobanking market is projected to witness a CAGR of 20.09% during the forecast period FY2025-FY2032, growing from USD 7.26 billion in FY2024 to USD 31.40 billion in FY2032. The market is witnessing significant growth due to multifaceted demand by consumers for modern financial solutions. Growing smartphone adoption and increased digital banking have significantly affected consumer behavior, shifting consumer preferences toward convenient and affordable banking. Advanced technologies, such as AI and blockchain, allow neobanks to offer innovative and safe financial products that improve customer experience. Support from regulatory frameworks and initiatives from the government creates a facilitating environment for fintech innovations. Neobanks can keep their operational costs lower than their traditional peers, which enables them to offer competitive pricing and expand financial inclusions among the underserved segments of the population. Consequently, these factors have made Japan neobanking market, vibrant and one of the fastest growing.

Neobanks offer rapid opening of accounts, making real-time transactions, and ensuring comfort for customers from their homes. In 2024, Wise is a global technology company licensed as a Type 1 Funds Transfer Service Provider in Japan, one of the very first international financial service providers. This license will be able to extend the transaction limit previously standing at JPY 1 million via Wise Payments Japan K.K.

Surge in Adoption of Digital Banking to Boost Market Growth

Increased digital banking adoption will provide a massive boost to the neobanking market in Japan. Digital transactions have become fast, catching up with the trend of convenience among customers, which will further give an upward drive to the market. Japanese customers have turned more affectionate toward smartphones and other digital means to access their banks, and neobanks, successfully capitalizing on this phenomenon by offering user and app-friendly platforms. This growth in digital banking reflects the broader trend of online and mobile financial services and underlines the attractiveness of neobanks' cost-friendly and innovative proposals. Enhanced digital experiences, along with fintech advancements, attract consumers from traditional institutions to the flexible and accessible solutions provided by neobanks. Therefore, neobanking in Japan will increase due to the accelerated need for digital banking and will change the financial scenario, encouraging further innovations. In June 2024, TransferGo extended its partnership with Visa, the world's leader in digital payments, to ramp up efforts for seamless cross-border payments while encouraging financial inclusion across Central Asia, the Caucasus, and Moldova.

Fusion of Advanced Technologies to Boost the Market Growth

The integration of several advanced technologies is driving the growth of Japan neobanking market, with a complete change in the delivery and experience of financial services. AI is a key lever in enhancing customer engagement; through chatbots and virtual personal assistants, there can be instant support and personalized advice. This allows AI-driven predictive analytics to be applied by neobanks, moving a step closer to reality in the tailored offering of financial products and anticipating customer needs with greater precision. It contributes to the sector by offering safe, transparent, and tamper-proof transactions that instill trust and reduce fraud risks. This technology can enable decentralized applications in DeFi capable of providing a range of innovative financial services beyond the bounds of traditional banking models. In October 2023, au Jibun Bank implemented Authlete to build OAuth 2.0 authorization capabilities for its APIs, enabling secure access for business partners.

Big data analytics further powers neobanking by offering deep insights into customer behavior and preference. It enables neobanks to continuously adapt their offerings in developing personalized financial solutions, improving the overall user experience. With such technologies, neobanks can normalize operations and bring down costs, thus enabling scalability. All this makes neobanks increasingly appealing to tech-savvy consumers in Japan. This technological synergy is transforming the financial landscape and positioning neobanks as key players in the future of banking in Japan.

Business Account to Dominate the Japan Neobanking Market

Business accounts are poised to drive the growth of the neobanking market in Japan as demand rises for smooth and seamless financial solutions by its SME and startup segments. Neobanks will be well-positioned to meet the most complex needs of businesses through targeted financial products that include real-time expense management, integrated invoicing, and automated accounting services. These digital-first solutions provide businesses with greater flexibility, lower fees, and enhanced transparency compared to traditional banking methods. However, the growth in digital transformation within Japan's business ecosystem raises neobanks' appeal, as companies look to leverage new technologies to create operational efficiencies and cost savings. This is where neobanks are expected to continue taking business away from the business banking segment due to growth and become indispensable partners for modern enterprises in Japan's changed financial scenario.

Savings accounts will be a key phenomenon in neobanking, in response to the growth in demand for more accessible and yield-enhancing financial products by Japan's tech-savvy consumers. Neobanks are uniquely positioned to offer competitive savings account rates with lower fees and, eventually, seamless digital management. The included features in this account usually comprise automated savings plans, goal-setting tools, and real-time notifications, allowing user engagement and better management of one's finances.

Kanto to Dominate Japan's Neobanking Market Share

Kanto, which encompasses Tokyo and its surrounding environments, is the most dominant force in Japan's neo-banking market because of its unmatched economic and technological advantages. As the country's financial capital, the region has an incredible concentration of businesses, startups, and technology-savvy consumers that provide a high demand for online banking solutions. Advanced infrastructure in the region makes the pace of technological adoption. There is high-speed access to the internet almost everywhere to support seamless online banking experiences. Several financial institutions and fintech firms create a competitive atmosphere in Kanto, speeding the innovation and development of services. In April 2024, Rakuten Group will merge its fintech businesses into one group, aiming to reinforce collaboration and the acquisition of customers across online banking and credit cards to securities and insurance. Overall, the progressive attitude and vitality of the economy make a strong ecosystem for neobanks, which are given every opportunity to attract and serve clients in all categories. Thus, economic strength combined with technological infrastructure and innovation makes Kanto a remarkable region in the country.

Future Market Scenario (FY2025 - FY2032F)

Further innovation will be driven by consumer expectations for seamless user experiences, access via multi-channels, and integration with other digital services.

The potential role that Japanese neobanks could play within the financial system is huge, as the country digitalizes. They can offer innovative, customized banking solutions made possible by emerging technologies such as artificial intelligence, machine learning, and blockchain.

With increased consumer consumption of digital banking services, digital financial literacy will continue to grow, as will the embedment of neobanks in daily financial management.

Key Players Landscape and Outlook

Neobanking markets have become a field of vivid competition among newly created fintech startups, traditional financial institutions, and international players who are trying to win leading positions in the swiftly changing environment. In turn, emerging fintech startups create a competitive environment with innovative, technology-driven solutions, and user-friendly interfaces, offering special financial products needed for the niche segments of users and fostering digital-first experiences. Simultaneously, traditional banks take part in neobanking through digital platforms or strategic partnerships by using their wide consumer bases and regulatory experience. International neobanks add another layer of competitiveness with global best practices and advanced technologies to the market. In this competition, success will depend on technological innovation, superior customer experiences, and effective handling of regulatory requirements as players try to differentiate themselves and increase their market share.

In December 2023, Blackstone announced that its Private Equity funds have entered into a definitive agreement to acquire from Sony Bank a majority stake in Sony Payment Services Inc., one of Japan's largest payment service providers. Under the terms of the agreement, Sony Bank would retain a minority interest in the company and continue to support the future growth of SPSV. This transaction represents Blackstone's first investment in the financial technology sector of Japan.

Table of Contents

1. Project Scope and Definitions

2. Research Methodology

3. Executive Summary

4. Voice of Customer

• 4.1. Product and Market Intelligence
• 4.2. Mode of Brand Awareness
• 4.3. Factors Considered in Purchase Decisions
  • 4.3.1. Account Type
  • 4.3.2. Service
  • 4.3.3. Account Opening Fees
  • 4.3.4. Tenure
  • 4.3.5. Interest Rate
  • 4.3.6. Security
  • 4.3.7. Discounts and Offers
• 4.4. Customer Support
• 4.5. Consideration of Privacy and Regulations

5. Japan Neobanking Market Outlook, FY2018-FY2032F

• 5.1. Market Size Analysis & Forecast
  • 5.1.1. By Value
• 5.2. Market Share Analysis & Forecast
  • 5.2.1. By Account Type
    • 5.2.1.1. Savings Account
    • 5.2.1.2. Business Account
  • 5.2.2. By Application
    • 5.2.2.1. Enterprises
    • 5.2.2.2. Personal
    • 5.2.2.3. Others
  • 5.2.3. By Service
    • 5.2.3.1. Mobile Banking
    • 5.2.3.2. Payments and Money Transfer
    • 5.2.3.3. Checking/Savings Account
    • 5.2.3.4. Loans and Insurance
    • 5.2.3.5. Investments
    • 5.2.3.6. Others
  • 5.2.4. By Region
    • 5.2.4.1. North [Hokkaido and Tohoku]
    • 5.2.4.2. Central [Kanto and Chubu]
    • 5.2.4.3. South [Kansai, Chugoku, Shikoku, Kyushu, Okinawa]
  • 5.2.5. By Company Market Share Analysis (Top 5 Companies and Others - By Value, FY2024)
• 5.3. Market Map Analysis, FY2024
  • 5.3.1. By Account Type
  • 5.3.2. By Application
  • 5.3.3. By Service
  • 5.3.4. By Region

6. Demand Supply Analysis

7. Value Chain Analysis

8. Porter's Five Forces Analysis

9. PESTLE Analysis

10. Interest Rate Analysis

11. Market Dynamics

• 11.1. Market Drivers
• 11.2. Market Challenges

12. Market Trends and Developments

13. Case Studies

14. Competitive Landscape

• 14.1. Competition Matrix of Top 5 Market Leaders
• 14.2. SWOT Analysis for Top 5 Players
• 14.3. Key Players Landscape for Top 10 Market Players
  • 14.3.1. Japan Airlines Company Limited (JAL Global Wallet)
    • 14.3.1.1. Company Details
    • 14.3.1.2. Key Management Personnel
    • 14.3.1.3. Products and Services
    • 14.3.1.4. Financials (As Reported)
    • 14.3.1.5. Key Market Focus and Geographical Presence
    • 14.3.1.6. Recent Developments/Collaborations/Partnerships/Mergers and Acquisition
  • 14.3.2. Au Jibun Bank Corporation
  • 14.3.3. Kyash Inc
  • 14.3.4. Neat Limited
  • 14.3.5. Sony Bank Inc.
  • 14.3.6. SBI Sumishin Net Bank Limited
  • 14.3.7. Rakuten Bank Limited
  • 14.3.8. TransferGo Limited
  • 14.3.9. Wise Payments Japan K.K.
  • 14.3.10. WorldRemit Limited

Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work.

15. Strategic Recommendations

16. About Us and Disclaimer