ネオバンキングの米国市場の評価：アカウントタイプ別、用途別、サービス別、地域別、機会、予測（2017年～2031年）

米国のネオバンキングの市場規模は、2023年の240億9,000万米ドルから2031年に2,194億9,000万米ドルに達すると予測され、2024年～2031年の予測期間にCAGRで31.81％の成長が見込まれます。複数の要因によってデジタル専用銀行のコンセプトがより魅力的で実行可能なものとなっており、米国のネオバンキング市場の成長を促進しています。手数料や経営コストの削減により、バンキングサービスはより手頃なものとなり、より多くの人々にとって魅力的なものとなっています。

ネオバンキングの本質は、スムーズなデジタルインターフェースを提供することで、どこにいても苦労することなく財務にアクセスできるようにし、アクセスのしやすさと利便性を提供することです。口座を開設するときに高度な技術を駆使することで、迅速で時間のかからないバンキングサービスを求める顧客をスピーディに惹きつけます。このサービスは、デジタル化と金融包摂により、より広範な市場機会を生み出すと同時に、高度な技術への精通度やカスタマイズされたバンキング体験への選好により、需要のシフトを生み出しています。支援的な規制枠組み、厳格なコンプライアンス基準、新技術の迅速な獲得により、ネオバンクはその機能を安全かつ効率的に実行することができます。スマートフォンやインターネットへのアクセスが増加したことで、ネオバンキングサービスが世界中のあらゆる人々に行き渡り、この部門で成長を続けるための明確な基盤が築かれました。

ネオバンキングとは、実店舗を持たず、オンラインのみで事業を展開する銀行を指します。こうしたデジタルファーストの銀行は、モバイルアプリやウェブサイトを通じて、当座預金や普通預金といった従来の金融サービスを提供しており、多くの場合、手数料は最低限か無料です。デジタル技術を活用することで、ネオバンクは迅速な口座開設、リアルタイムの取引、シームレスなユーザーエクスペリエンスを提供し、現代のデジタル時代における便利で効率的な銀行ソリューションに対する需要の高まりに対応しています。2024年1月、デジタルパーソナルファイナンス企業のSoFiは、SoFi製品体験内の新たな小企業マーケットプレイスの拡大を発表しました。この新機能により、SoFiは、融資ニーズをSoFiのプロバイダーネットワークにつなげることで、何百万人もの米国の小企業オーナーにサービスを提供できるようになります。

コスト削減と革新的サービスで市場成長を後押し

低い手数料とカスタマイズされた革新的なサービスは、金融サービス市場におけるネオバンクの成長を強化しました。それは競合のルールを変え、銀行に対する顧客の認識を変えました。ネオバンクが急速に普及したもっとも強力な理由は、実店舗型の銀行よりも安価にサービスを提供できることだと考えられます。物理的なインフラを最小限に抑え、デジタルサービスを集中的に提供するネオバンクは、実店舗網を維持するための諸経費を負担する必要がありません。このため、取引手数料や外国為替手数料、口座管理手数料を低く抑えることで、顧客にコスト削減を還元することができます。より平等で開放的な金融サービスを求める顧客にサービスを提供することで、その顧客層は技術に精通したミレニアル世代から、従来の銀行手数料に疲れた小企業経営者まで幅広くなっています。このような手数料の削減は、顧客ロイヤルティを高め、顧客自身にとってもよりよい財務管理を実現するため、ネオバンクは従来のバンキングに代わる選択肢として非常に魅力的な存在となっています。

2024年5月、Alliant Credit Unionは、SBL Edgeを導入しました。SBL Edgeは、集合住宅、プレハブ住宅、セルフストレージ産業の小規模商業用不動産の借り手に焦点を当てた新しい融資プラットフォームです。SBL Edgeは、商業用不動産融資に豊富な経験を持つ業界のベテランによって考案され、構築されました。SBL Edgeは業務の効率化を図り、業界の深い知識を駆使して比類ないサービスを提供します。

当レポートでは、米国のネオバンキング市場について調査分析し、市場規模と予測、市場力学、主要企業の情勢と見通し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

• 製品と市場情報
• ブランド認知の方式
• 購入決定において考慮される要素
• カスタマーサポート
• プライバシーと規制の考慮

第5章 米国のネオバンキング市場の見通し（2017年～2031年）

• 市場規模の分析と予測
  • 金額
• 市場シェア分析と予測
  • アカウントタイプ別
  • 用途別
  • サービス別
  • 地域別
  • 市場シェア分析：企業別（金額）（上位5社とその他 - 2023年）
• 市場マップ分析（2023年）
  • アカウントタイプ別
  • 用途別
  • サービス別
  • 地域別

第6章 需給分析

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

• 市場促進要因
• 市場の課題

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

• マーケットリーダー上位5社の競合マトリクス
• 上位5社のSWOT分析
• 主要企業上位10社の情勢
  • Chime Financial Inc.
  • Acorns Grow Incorporated
  • Revolut Group Holdings Limited
  • Alliant Credit Union Corporation
  • Finco Services Inc. (Current)
  • Primis Financial Corporation
  • M1 Finance LLC
  • SoFi Technologies Inc.
  • Zeta Services Inc.
  • Axos Financial Inc.

第15章 戦略的推奨

第16章 当社について、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. United States Neobanking Market, By Value, In USD Billion, 2017-2031F
• Figure 2. United States Neobanking Market Share (%), By Account Type, 2017-2031F
• Figure 3. United States Neobanking Market Share (%), By Application, 2017-2031F
• Figure 4. United States Neobanking Market Share (%), By Service, 2017-2031F
• Figure 5. United States Neobanking Market Share (%), By Region, 2017-2031F
• Figure 6. By Account Type Map-Market Size (USD Billion) & Growth Rate (%), 2023
• Figure 7. By Application Size Map-Market Size (USD Billion) & Growth Rate (%), 2023
• Figure 8. By Service Map-Market Size (USD Billion) & Growth Rate (%), 2023
• Figure 9. By Region Map-Market Size (USD Billion) & Growth Rate (%), 2023

United States neobanking market is projected to witness a CAGR of 31.81% during the forecast period 2024-2031, growing from USD 24.09 billion in 2023 to USD 219.49 billion in 2031. Several factors are contributing towards making the concept of a digital-only bank more attractive and workable, hence driving the growth of the United States neobanking market, including reductions in fees and operational costs, making banking services more affordable and attractive to a wider audience.

The essence of neobanking is to provide smooth digital interfaces to provide access to their finances without hustling anywhere, providing ease of accessibility and convenience. The usage of high technology while opening an account speedily attracts customers in search of quick and less time-consuming banking services. The offering generates wider market opportunities due to digitalization and financial inclusion, while demanding shifts due to preferences for tech-savviness and customized banking experiences. With a supportive regulatory framework, strict standards of compliance, and the rapid acquisition of new technologies, neobanks can execute their functions securely and efficiently. Increased access to smartphones and the internet has laid a concrete foundation for neobanking services to reach everybody worldwide and continue growing in this field.

Neobanking refers to banks that operate exclusively online, without any physical branches. These digital-first banks offer traditional financial services, such as current and savings accounts, through mobile apps and websites, often with minimal or no fees. By leveraging digital technology, neobanks provide quick account openings, real-time transactions, and a seamless user experience, addressing the increasing demand for convenient and efficient banking solutions in the modern digital age. In January 2024, SoFi, the digital personal finance company, announced the expansion of a new small business marketplace inside the SoFi product experience. This new feature will allow SoFi to serve millions of American small business owners by connecting their financing needs to SoFi's network of providers.

Reduced Costs and Innovative Services to Boost Market Growth

Lower fees and customized and innovative services have powered the growth of neobanks in the financial services market. It has transformed the rules of competition and changed customer perceptions of banking. Probably the most powerful rationale for rapid neobank adoption is the ability to provide services cheaper than brick-and-mortar banks. With minimal physical infrastructure and concentrated digital services, neobanks are not burdened with the overhead of maintaining a physical branch network. This eventually saves the model for passing on savings to customers by offering low transaction fees, foreign exchanges, or account management fees. Serving customers seeking a more equal and open-minded route to financial services, its clientele went from tech-savvy millennials to small business owners tired of the traditional bank charges. Such a reduction of fees creates customer loyalty and better finance management for the customers themselves, thus making neobanks quite attractive as an alternative to conventional banking.

In May 2024, Alliant Credit Union introduced SBL Edge, its new lending platform that focuses on small balance commercial real estate borrowers in the multifamily, manufactured housing, and self-storage industries. SBL Edge was conceived and built by industry veterans with immense experience in commercial real estate lending. SBL Edge executes operational efficiencies and unleashes deep industry knowledge to deliver unparalleled service.

Integration of Advanced Technologies to Boost the Market Growth

Advanced technological integration shapes the course of the United States neobanking market, which is expanding at a rapid rate since it can support improved operational efficiency and higher customer satisfaction. Indeed, neobanks are driving the shift by leveraging advanced technologies such as AI, machine learning, and blockchain to reshape traditional banking models. Thus, AI and machine learning help neobanks to provide really customized financial services, from tailored investment recommendations to fraud detection in real-time, aside from automating routine jobs and reducing human errors. It makes the entire banking experience more efficient, secure, and user-friendly. In February 2024, Revolut launched an advanced scam detection feature to protect customers against card scams. Revolut's brand-new AI-scam feature can help spot if a customer is being scammed, and hence break the spell of the scammer before they send their money to the criminal. Since testing was initiated, fraud losses from card scams at Revolut have fallen 30%, where money has been sent to take advantages of investment opportunities.

Furthermore, blockchain makes transactions more transparent and secure, further cutting costs due to intermediaries and, at the same time, increasing user trust. The nature of the technological changes is to smoothen banking operations and introduce new, innovative services that will meet the changing needs and preferences of customers. And as these technologies get further refined, they are likely to further distinguish neobanks from traditional financial institutions, bringing a diverse and technology-savvy customer base on board, and ensuring significant market growth in the digital age.

Savings Account to Dominate the United States Neobanking Market

Savings accounts are predominant in the United States neobanking market. This can be identified as a reason for dominance from neobanks that can place their initial focus on personal users or consumers rather than businesses. The cost-effective and user-friendly features usually attract personal users. Neobanks usually encourage personal consumers with features related to high-yield savings, low fees, and hassle-free digital experience. These low fees and hassle-free features are increasingly driving the consumer's need for cost-effective and user-friendly banking solutions. Savings accounts are in high demand among neobank users due to the attractive interest rates, tiny maintenance fees, and ease of management with mobile applications. The features improve a host of common consumer pain points regarding traditional banking that charges exorbitant fees and provides limited access to digital tools. In 2023, GoHenry and Pixpay have now partnered with the United States savings and investing app, Acorns, to bring financial wellness to families worldwide. With nearly 6 million customers worldwide, this new union brings amazing innovation for our customers, enabling us to collaborate and move forward in innovating for the next generation toward a brighter future.

While neobanks have increasingly added business accounts to their services, the latter naturally tends to be relatively smaller in comparison. Business accounts would relate to invoicing tools, expense management features, or business loans, which demand a different set of requirements and compliance standards altogether. But while neobanks are making strong headways toward catering to such needs in businesses, the market for personal savings accounts remains a more developed and widely adopted segment.

West Region to Dominate the United States Neobanking Market Share

Various key factors drive the leading position of the Western United States. West has major technology hubs, such as Silicon Valley, that drive innovation and early adoption of digital financial solutions, accelerating the adoption of neobanking services. Coupled with its advanced and enforced digital infrastructure, which guarantees seamless access to online banking, the region has become a haven for neobanks. Furthermore, the West places great emphasis on fintech, supported by enormous venture and technology company investments. The combination of such factors puts the West in a competitive position for the growth of neobanking market, setting the trends and benchmarks for the remainder of the country, while fastening an already leading position in the market. In August 2024, Axos Bank is a nationwide subsidiary of Axos Financial Inc. and has earned several class-leading spots in various USA TODAY Blueprint, Best Of lists, including the top spots for Best Checking Account, Best Business Bank Account, and Best Personal Loan.

Northeast region is turning out to be the main force in the United States neobanking market as the region is among the major financial centers, with innovations and venture capital investments in digital financial services flowing from cities such as New York. The Northeast indeed has a very high population density in the urban centers, hence offering a great market potential for neobanking solutions.

Future Market Scenario (2024 - 2031F)

As digital transformation reshapes the landscape for financial services, the neo-banking pace is expected to increase. Neobanks will extend their effort in fostering financial inclusion by continuing extensive services to the low-income and underbanked segments.

Advanced analytics intends neo-banks to offer bespoke financial products and proactive financial management tools, meeting customer needs in the forecast period.

Key Players Landscape and Outlook

Key players invest heavily in research and development to widen their portfolio of products and offerings in the growth of the neo-banking market. Since companies focus on research and development activities, they are therefore able to provide innovative new features that continue shaping the changing needs of consumers and manage the competitive advantage of companies.

Market players focus on strategic plans for expansion across various regions. These include new product development, partnering through contractual agreements, and merger and acquisition deals to expand their portfolio with new technologies and market opportunities. Further, additional investment in technology and infrastructure added to the points of scalability of operation improvement and better service delivery. Strategic partnerships between organizations and other fintech startups contribute to the innovation of ideas and expansion of services available. Put together, these activities underline a dynamic and fast-changing neobanking landscape with continuous innovation and global expansion.

In June 2024, Chime's has acquired Salt Labs, which will include Jason Lee and the team at Salt Labs, along with their offerings, joining Chime as part of this acquisition. The move allows Chime to further advance its mission of empowering people to achieve financial progress by adding top-tier enterprise capabilities and industry expertise.

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. United States Neobanking Market Outlook, 2017-2031F

• 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. Northeast
    • 5.2.4.2. Midwest
    • 5.2.4.3. West
    • 5.2.4.4. South
  • 5.2.5. By Company Market Share Analysis (Top 5 Companies and Others - By Value, 2023)
• 5.3. Market Map Analysis, 2023
  • 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. Chime Financial Inc.
    • 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. Acorns Grow Incorporated
  • 14.3.3. Revolut Group Holdings Limited
  • 14.3.4. Alliant Credit Union Corporation
  • 14.3.5. Finco Services Inc. (Current)
  • 14.3.6. Primis Financial Corporation
  • 14.3.7. M1 Finance LLC
  • 14.3.8. SoFi Technologies Inc.
  • 14.3.9. Zeta Services Inc.
  • 14.3.10. Axos Financial Inc.

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