BaaS（Banking-as-a-Service）の世界市場の評価：コンポーネント別、タイプ別、企業規模別、エンドユーザー別、地域別、機会、予測（2017年～2031年）

世界のBaaS（Banking-as-a-Service）の市場規模は、2023年の43億9,000万米ドルから2031年に167億1,000万米ドルに達すると予測され、予測期間の2024年～2031年にCAGRで18.20％の成長が見込まれます。市場は、デジタルバンキングサービス、先進の金融業務に向けたスケーラブルで効率的なバックエンドサポート、ユーザーエクスペリエンスの向上に対する急速な需要によって成長しています。並行して、組み込み型金融の動向が高まり、さまざまなアプリケーションにシームレスに統合され、そうした統合を可能にするBaaSプラットフォームへの需要が高まっています。この成長は、BaaSプロバイダーが先進の適応性の高いサービスを提供することを可能にする、AIや機械学習などの技術の進歩によってさらに促進されています。さらに、オープンバンキングの機運の高まりがイノベーションと競合を刺激し、金融機関に柔軟で安全なバックエンドソリューションを追求させています。クラウドコンピューティングの普及は、BaaSプラットフォームにおけるインフラのスケーラビリティ向上と高性能サービスを可能にしており、各要因が相まって、ダイナミックで変化の激しいBaaS市場を牽引しています。

BaaS（Banking-as-a-Service）プラットフォームにより、開発者はアプリの機能やユーザビリティに取り組むことができる一方、BaaSはスケーラビリティ、セキュリティ、サーバーサイドの運用を担当します。2024年、カード発行の世界的リーダーであるMarqetaは、Visa、Affirmと協力して、Visa Flexible Credentialを発表します。このカードは、デビットカードやクレジット、後払い決済、ポイントなどの決済オプションをシームレスに切り替えることを可能にします。Marqetaは2024年5月にVisa Flexible Credentialの認証を取得し、顧客のカード会員が任意の決済オプションを簡単に選択できるようにしています。

金融サービスにおけるBaaS採用の増加が市場成長を後押し

BaaS市場の主な成長要因の1つは、金融サービスの採用の増加です。デジタル化の進行に伴い、銀行業務、資産管理、投資信託、保険、証券取引、財務商品、税務・監査相談、資本再編、ポートフォリオ管理など、あらゆる金融取引やサービスにおいて、拡張性と信頼性の高いバックエンドソリューションへの需要が高まっています。さらに、インターネットサービスの普及は、このデジタルトランスフォーメーションを加速させ、金融機関や企業の経営方法に影響を与えます。2024年7月、PLS Financial ServicesはXpectations! Plus, Debit Cardを発表しました。Green Dotの統合ファイナンスプラットフォームを採用したこの新しい口座は、PLSの500万人以上の顧客にオンラインバンキング機能を提供します。Xpectations! Plus, Debit Cardの機能には、口座振替の早期利用、当座貸越保護、全国に広がるATMネットワークへの無料アクセスなどの多数の有用な金融ツールやサービスが含まれています。

BaaSプラットフォームは、データストレージ、ユーザー認証、リアルタイム処理に関する必要なサービスを提供することにより、このような進歩への重要な基礎構造を提供します。これにより、金融機関は大量のトランザクションを効率的に処理し、セキュリティを維持し、業務を支障なく拡大することができます。したがって、BaaSの広範な採用はフィンテックの近代化に不可欠です。こうすることで、金融機関はサービス提案を改善し続け、デジタルファーストの世界で進化する顧客のニーズに応えることができます。

技術の急速な進歩が市場を押し上げる

BaaS市場が急成長している主な理由の1つは、技術の急速な進歩です。AI、ML、先進のクラウドコンピューティングといった新たなイノベーションの導入は、BaaSプラットフォームが提供する機能に変化をもたらし、その結果、BaaSプラットフォームは強力で多機能なものとなっています。AIとMLはBaaSソリューションの機能をさらに発展させ、先進のデータアナリティクス、予測的考察、自動化がバックエンドプロセスを合理化し、意思決定を強化します。一方、クラウドコンピューティングは、増大するデータ量とユーザー負荷を効率的に処理するためのプラットフォームの拡張を可能にします。これらの技術的能力は、さまざまな複雑なアプリケーションのスケーラビリティとパフォーマンスを拡張するBaaSをサポートしています。

当レポートでは、世界のBaaS（Banking-as-a-Service）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
• 実績指標
• 購入決定において考慮される要素
  • 機能
  • 実績と信頼性
  • 使いやすさ
  • セキュリティ
  • コスト
  • 解約率
  • ベンダーの評判
• カスタマーサポート
• プライバシーと規制の考慮

第5章 世界のBaaS（Banking-as-a-Service）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
  • コンポーネント別
  • タイプ別
  • 企業規模別
  • エンドユーザー別
  • 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）
  • コンポーネント別
  • タイプ別
  • 企業規模別
  • エンドユーザー別
  • 地域別

第6章 北米のBaaS（Banking-as-a-Service）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
  • コンポーネント別
  • タイプ別
  • 企業規模別
  • エンドユーザー別
  • シェア：国別
• 各国の市場の評価
  • 米国のBaaS（Banking-as-a-Service）市場の見通し（2017年～2031年）
  • カナダ
  • メキシコ

第7章 欧州のBaaS（Banking-as-a-Service）市場の見通し（2017年～2031年）

• ドイツ
• フランス
• イタリア
• 英国
• ロシア
• オランダ
• スペイン
• トルコ
• ポーランド

第8章 アジア太平洋のBaaS（Banking-as-a-Service）市場の見通し（2017年～2031年）

• インド
• 中国
• 日本
• オーストラリア
• ベトナム
• 韓国
• インドネシア
• フィリピン

第9章 南米のBaaS（Banking-as-a-Service）市場の見通し（2017年～2031年）

• ブラジル
• アルゼンチン

第10章 中東・アフリカのBaaS（Banking-as-a-Service）市場の見通し（2017年～2031年）

• サウジアラビア
• アラブ首長国連邦
• 南アフリカ

第11章 需給分析

第12章 バリューチェーン分析

第13章 ポーターのファイブフォース分析

第14章 PESTLE分析

第15章 ソフトウェアの価格分析

第16章 市場力学

• 市場促進要因
• 市場の課題

第17章 市場の動向と発展

第18章 ケーススタディ

第19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
  • Treezor SAS
  • 10x Future Technologies Limited
  • Green Dot Corporation
  • Marqeta Inc.
  • Railsbank Technology Limited
  • Solaris SE
  • Movencorp Inc.
  • Thought Machine Group Limited
  • Mambu GmbH
  • Finastra Group Holdings Limited

第20章 戦略的推奨

第21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. Global Banking-as-a-Service (BaaS) Market, By Value, In USD Billion, 2017-2031F
• Figure 2. Global Banking-as-a-Service (BaaS) Market Share (%), By Component, 2017-2031F
• Figure 3. Global Banking-as-a-Service (BaaS) Market Share (%), By Type, 2017-2031F
• Figure 4. Global Banking-as-a-Service (BaaS) Market Share (%), By Enterprise Size, 2017-2031F
• Figure 5. Global Banking-as-a-Service (BaaS) Market Share (%), By End-user, 2017-2031F
• Figure 6. Global Banking-as-a-Service (BaaS) Market Share (%), By Region, 2017-2031F
• Figure 7. North America Banking-as-a-Service (BaaS) Market, By Value, In USD Billion, 2017-2031F
• Figure 8. North America Banking-as-a-Service (BaaS) Market Share (%), By Component, 2017-2031F
• Figure 9. North America Banking-as-a-Service (BaaS) Market Share (%), By Type, 2017-2031F
• Figure 10. North America Banking-as-a-Service (BaaS) Market Share (%), By Enterprise Size, 2017-2031F
• Figure 11. North America Banking-as-a-Service (BaaS) Market Share (%), By End-user, 2017-2031F
• Figure 12. North America Banking-as-a-Service (BaaS) Market Share (%), By Country, 2017-2031F
• Figure 13. United States Banking-as-a-Service (BaaS) Market, By Value, In USD Billion, 2017-2031F
• Figure 14. United States Banking-as-a-Service (BaaS) Market Share (%), By Component, 2017-2031F
• Figure 15. United States Banking-as-a-Service (BaaS) Market Share (%), By Type, 2017-2031F
• Figure 16. United States Banking-as-a-Service (BaaS) Market Share (%), By Enterprise Size, 2017-2031F
• Figure 17. United States Banking-as-a-Service (BaaS) Market Share (%), By End-user, 2017-2031F
• Figure 18. Canada Banking-as-a-Service (BaaS) Market, By Value, In USD Billion, 2017-2031F
• Figure 19. Canada Banking-as-a-Service (BaaS) Market Share (%), By Component, 2017-2031F
• Figure 20. Canada Banking-as-a-Service (BaaS) Market Share (%), By Type, 2017-2031F
• Figure 21. Canada Banking-as-a-Service (BaaS) Market Share (%), By Enterprise Size, 2017-2031F
• Figure 22. Canada Banking-as-a-Service (BaaS) Market Share (%), By End-user, 2017-2031F
• Figure 23. Mexico Banking-as-a-Service (BaaS) Market, By Value, In USD Billion, 2017-2031F
• Figure 24. Mexico Banking-as-a-Service (BaaS) Market Share (%), By Component, 2017-2031F
• Figure 25. Mexico Banking-as-a-Service (BaaS) Market Share (%), By Type, 2017-2031F
• Figure 26. Mexico Banking-as-a-Service (BaaS) Market Share (%), By Enterprise Size, 2017-2031F
• Figure 27. Mexico Banking-as-a-Service (BaaS) Market Share (%), By End-user, 2017-2031F
• Figure 28. Europe Banking-as-a-Service (BaaS) Market, By Value, In USD Billion, 2017-2031F
• Figure 29. Europe Banking-as-a-Service (BaaS) Market Share (%), By Component, 2017-2031F
• Figure 30. Europe Banking-as-a-Service (BaaS) Market Share (%), By Type, 2017-2031F
• Figure 31. Europe Banking-as-a-Service (BaaS) Market Share (%), By Enterprise Size, 2017-2031F
• Figure 32. Europe Banking-as-a-Service (BaaS) Market Share (%), By End-user, 2017-2031F
• Figure 33. Europe Banking-as-a-Service (BaaS) Market Share (%), By Country, 2017-2031F
• Figure 34. Germany Banking-as-a-Service (BaaS) Market, By Value, In USD Billion, 2017-2031F
• Figure 35. Germany Banking-as-a-Service (BaaS) Market Share (%), By Component, 2017-2031F
• Figure 36. Germany Banking-as-a-Service (BaaS) Market Share (%), By Type, 2017-2031F
• Figure 37. Germany Banking-as-a-Service (BaaS) Market Share (%), By Enterprise Size, 2017-2031F
• Figure 38. Germany Banking-as-a-Service (BaaS) Market Share (%), By End-user, 2017-2031F
• Figure 39. France Banking-as-a-Service (BaaS) Market, By Value, In USD Billion, 2017-2031F
• Figure 40. France Banking-as-a-Service (BaaS) Market Share (%), By Component, 2017-2031F
• Figure 41. France Banking-as-a-Service (BaaS) Market Share (%), By Type, 2017-2031F
• Figure 42. France Banking-as-a-Service (BaaS) Market Share (%), By Enterprise Size, 2017-2031F
• Figure 43. France Banking-as-a-Service (BaaS) Market Share (%), By End-user, 2017-2031F
• Figure 44. Italy Banking-as-a-Service (BaaS) Market, By Value, In USD Billion, 2017-2031F
• Figure 45. Italy Banking-as-a-Service (BaaS) Market Share (%), By Component, 2017-2031F
• Figure 46. Italy Banking-as-a-Service (BaaS) Market Share (%), By Type, 2017-2031F
• Figure 47. Italy Banking-as-a-Service (BaaS) Market Share (%), By Enterprise Size, 2017-2031F
• Figure 48. Italy Banking-as-a-Service (BaaS) Market Share (%), By End-user, 2017-2031F
• Figure 49. United Kingdom Banking-as-a-Service (BaaS) Market, By Value, In USD Billion, 2017-2031F
• Figure 50. United Kingdom Banking-as-a-Service (BaaS) Market Share (%), By Component, 2017-2031F
• Figure 51. United Kingdom Banking-as-a-Service (BaaS) Market Share (%), By Type, 2017-2031F
• Figure 52. United Kingdom Banking-as-a-Service (BaaS) Market Share (%), By Enterprise Size, 2017-2031F
• Figure 53. United Kingdom Banking-as-a-Service (BaaS) Market Share (%), By End-user, 2017-2031F
• Figure 54. Russia Banking-as-a-Service (BaaS) Market, By Value, In USD Billion, 2017-2031F
• Figure 55. Russia Banking-as-a-Service (BaaS) Market Share (%), By Component, 2017-2031F
• Figure 56. Russia Banking-as-a-Service (BaaS) Market Share (%), By Type, 2017-2031F
• Figure 57. Russia Banking-as-a-Service (BaaS) Market Share (%), By Enterprise Size, 2017-2031F
• Figure 58. Russia Banking-as-a-Service (BaaS) Market Share (%), By End-user, 2017-2031F
• Figure 59. Netherlands Banking-as-a-Service (BaaS) Market, By Value, In USD Billion, 2017-2031F
• Figure 60. Netherlands Banking-as-a-Service (BaaS) Market Share (%), By Component, 2017-2031F
• Figure 61. Netherlands Banking-as-a-Service (BaaS) Market Share (%), By Type, 2017-2031F
• Figure 62. Netherlands Banking-as-a-Service (BaaS) Market Share (%), By Enterprise Size, 2017-2031F
• Figure 63. Netherlands Banking-as-a-Service (BaaS) Market Share (%), By End-user, 2017-2031F
• Figure 64. Spain Banking-as-a-Service (BaaS) Market, By Value, In USD Billion, 2017-2031F
• Figure 65. Spain Banking-as-a-Service (BaaS) Market Share (%), By Component, 2017-2031F
• Figure 66. Spain Banking-as-a-Service (BaaS) Market Share (%), By Type, 2017-2031F
• Figure 67. Spain Banking-as-a-Service (BaaS) Market Share (%), By Enterprise Size, 2017-2031F
• Figure 68. Spain Banking-as-a-Service (BaaS) Market Share (%), By End-user, 2017-2031F
• Figure 69. Turkey Banking-as-a-Service (BaaS) Market, By Value, In USD Billion, 2017-2031F
• Figure 70. Turkey Banking-as-a-Service (BaaS) Market Share (%), By Component, 2017-2031F
• Figure 71. Turkey Banking-as-a-Service (BaaS) Market Share (%), By Type, 2017-2031F
• Figure 72. Turkey Banking-as-a-Service (BaaS) Market Share (%), By Enterprise Size, 2017-2031F
• Figure 73. Turkey Banking-as-a-Service (BaaS) Market Share (%), By End-user, 2017-2031F
• Figure 74. Poland Banking-as-a-Service (BaaS) Market, By Value, In USD Billion, 2017-2031F
• Figure 75. Poland Banking-as-a-Service (BaaS) Market Share (%), By Component, 2017-2031F
• Figure 76. Poland Banking-as-a-Service (BaaS) Market Share (%), By Type, 2017-2031F
• Figure 77. Poland Banking-as-a-Service (BaaS) Market Share (%), By Enterprise Size, 2017-2031F
• Figure 78. Poland Banking-as-a-Service (BaaS) Market Share (%), By End-user, 2017-2031F
• Figure 79. South America Banking-as-a-Service (BaaS) Market, By Value, In USD Billion, 2017-2031F
• Figure 80. South America Banking-as-a-Service (BaaS) Market Share (%), By Component, 2017-2031F
• Figure 81. South America Banking-as-a-Service (BaaS) Market Share (%), By Type, 2017-2031F
• Figure 82. South America Banking-as-a-Service (BaaS) Market Share (%), By Enterprise Size, 2017-2031F
• Figure 83. South America Banking-as-a-Service (BaaS) Market Share (%), By End-user, 2017-2031F
• Figure 84. South America Banking-as-a-Service (BaaS) Market Share (%), By Country, 2017-2031F
• Figure 85. Brazil Banking-as-a-Service (BaaS) Market, By Value, In USD Billion, 2017-2031F
• Figure 86. Brazil Banking-as-a-Service (BaaS) Market Share (%), By Component, 2017-2031F
• Figure 87. Brazil Banking-as-a-Service (BaaS) Market Share (%), By Type, 2017-2031F
• Figure 88. Brazil Banking-as-a-Service (BaaS) Market Share (%), By Enterprise Size, 2017-2031F
• Figure 89. Brazil Banking-as-a-Service (BaaS) Market Share (%), By End-user, 2017-2031F
• Figure 90. Argentina Banking-as-a-Service (BaaS) Market, By Value, In USD Billion, 2017-2031F
• Figure 91. Argentina Banking-as-a-Service (BaaS) Market Share (%), By Component, 2017-2031F
• Figure 92. Argentina Banking-as-a-Service (BaaS) Market Share (%), By Type, 2017-2031F
• Figure 93. Argentina Banking-as-a-Service (BaaS) Market Share (%), By Enterprise Size, 2017-2031F
• Figure 94. Argentina Banking-as-a-Service (BaaS) Market Share (%), By End-user, 2017-2031F
• Figure 95. Asia-Pacific Banking-as-a-Service (BaaS) Market, By Value, In USD Billion, 2017-2031F
• Figure 96. Asia-Pacific Banking-as-a-Service (BaaS) Market Share (%), By Component, 2017-2031F
• Figure 97. Asia-Pacific Banking-as-a-Service (BaaS) Market Share (%), By Type, 2017-2031F
• Figure 98. Asia-Pacific Banking-as-a-Service (BaaS) Market Share (%), By Enterprise Size, 2017-2031F
• Figure 99. Asia-Pacific Banking-as-a-Service (BaaS) Market Share (%), By End-user, 2017-2031F
• Figure 100. Asia-Pacific Banking-as-a-Service (BaaS) Market Share (%), By Country, 2017-2031F
• Figure 101. India Banking-as-a-Service (BaaS) Market, By Value, In USD Billion, 2017-2031F
• Figure 102. India Banking-as-a-Service (BaaS) Market Share (%), By Component, 2017-2031F
• Figure 103. India Banking-as-a-Service (BaaS) Market Share (%), By Type, 2017-2031F
• Figure 104. India Banking-as-a-Service (BaaS) Market Share (%), By Enterprise Size, 2017-2031F
• Figure 105. India Banking-as-a-Service (BaaS) Market Share (%), By End-user, 2017-2031F
• Figure 106. China Banking-as-a-Service (BaaS) Market, By Value, In USD Billion, 2017-2031F
• Figure 107. China Banking-as-a-Service (BaaS) Market Share (%), By Component, 2017-2031F
• Figure 108. China Banking-as-a-Service (BaaS) Market Share (%), By Type, 2017-2031F
• Figure 109. China Banking-as-a-Service (BaaS) Market Share (%), By Enterprise Size, 2017-2031F
• Figure 110. China Banking-as-a-Service (BaaS) Market Share (%), By End-user, 2017-2031F
• Figure 111. Japan Banking-as-a-Service (BaaS) Market, By Value, In USD Billion, 2017-2031F
• Figure 112. Japan Banking-as-a-Service (BaaS) Market Share (%), By Component, 2017-2031F
• Figure 113. Japan Banking-as-a-Service (BaaS) Market Share (%), By Type, 2017-2031F
• Figure 114. Japan Banking-as-a-Service (BaaS) Market Share (%), By Enterprise Size, 2017-2031F
• Figure 115. Japan Banking-as-a-Service (BaaS) Market Share (%), By End-user, 2017-2031F
• Figure 116. Australia Banking-as-a-Service (BaaS) Market, By Value, In USD Billion, 2017-2031F
• Figure 117. Australia Banking-as-a-Service (BaaS) Market Share (%), By Component, 2017-2031F
• Figure 118. Australia Banking-as-a-Service (BaaS) Market Share (%), By Type, 2017-2031F
• Figure 119. Australia Banking-as-a-Service (BaaS) Market Share (%), By Enterprise Size, 2017-2031F
• Figure 120. Australia Banking-as-a-Service (BaaS) Market Share (%), By End-user, 2017-2031F
• Figure 121. Vietnam Banking-as-a-Service (BaaS) Market, By Value, In USD Billion, 2017-2031F
• Figure 122. Vietnam Banking-as-a-Service (BaaS) Market Share (%), By Component, 2017-2031F
• Figure 123. Vietnam Banking-as-a-Service (BaaS) Market Share (%), By Type, 2017-2031F
• Figure 124. Vietnam Banking-as-a-Service (BaaS) Market Share (%), By Enterprise Size, 2017-2031F
• Figure 125. Vietnam Banking-as-a-Service (BaaS) Market Share (%), By End-user, 2017-2031F
• Figure 126. South Korea Banking-as-a-Service (BaaS) Market, By Value, In USD Billion, 2017-2031F
• Figure 127. South Korea Banking-as-a-Service (BaaS) Market Share (%), By Component, 2017-2031F
• Figure 128. South Korea Banking-as-a-Service (BaaS) Market Share (%), By Type, 2017-2031F
• Figure 129. South Korea Banking-as-a-Service (BaaS) Market Share (%), By Enterprise Size, 2017-2031F
• Figure 130. South Korea Banking-as-a-Service (BaaS) Market Share (%), By End-user, 2017-2031F
• Figure 131. Indonesia Banking-as-a-Service (BaaS) Market, By Value, In USD Billion, 2017-2031F
• Figure 132. Indonesia Banking-as-a-Service (BaaS) Market Share (%), By Component, 2017-2031F
• Figure 133. Indonesia Banking-as-a-Service (BaaS) Market Share (%), By Type, 2017-2031F
• Figure 134. Indonesia Banking-as-a-Service (BaaS) Market Share (%), By Enterprise Size, 2017-2031F
• Figure 135. Indonesia Banking-as-a-Service (BaaS) Market Share (%), By End-user, 2017-2031F
• Figure 136. Philippines Banking-as-a-Service (BaaS) Market, By Value, In USD Billion, 2017-2031F
• Figure 137. Philippines Banking-as-a-Service (BaaS) Market Share (%), By Component, 2017-2031F
• Figure 138. Philippines Banking-as-a-Service (BaaS) Market Share (%), By Type, 2017-2031F
• Figure 139. Philippines Banking-as-a-Service (BaaS) Market Share (%), By Enterprise Size, 2017-2031F
• Figure 140. Philippines Banking-as-a-Service (BaaS) Market Share (%), By End-user, 2017-2031F
• Figure 141. Middle East & Africa Banking-as-a-Service (BaaS) Market, By Value, In USD Billion, 2017-2031F
• Figure 142. Middle East & Africa Banking-as-a-Service (BaaS) Market Share (%), By Component, 2017-2031F
• Figure 143. Middle East & Africa Banking-as-a-Service (BaaS) Market Share (%), By Type, 2017-2031F
• Figure 144. Middle East & Africa Banking-as-a-Service (BaaS) Market Share (%), By Enterprise Size, 2017-2031F
• Figure 145. Middle East & Africa Banking-as-a-Service (BaaS) Market Share (%), By End-user, 2017-2031F
• Figure 146. Middle East & Africa Banking-as-a-Service (BaaS) Market Share (%), By Country, 2017-2031F
• Figure 147. Saudi Arabia Banking-as-a-Service (BaaS) Market, By Value, In USD Billion, 2017-2031F
• Figure 148. Saudi Arabia Banking-as-a-Service (BaaS) Market Share (%), By Component, 2017-2031F
• Figure 149. Saudi Arabia Banking-as-a-Service (BaaS) Market Share (%), By Type, 2017-2031F
• Figure 150. Saudi Arabia Banking-as-a-Service (BaaS) Market Share (%), By Enterprise Size, 2017-2031F
• Figure 151. Saudi Arabia Banking-as-a-Service (BaaS) Market Share (%), By End-user, 2017-2031F
• Figure 152. UAE Banking-as-a-Service (BaaS) Market, By Value, In USD Billion, 2017-2031F
• Figure 153. UAE Banking-as-a-Service (BaaS) Market Share (%), By Component, 2017-2031F
• Figure 154. UAE Banking-as-a-Service (BaaS) Market Share (%), By Type, 2017-2031F
• Figure 155. UAE Banking-as-a-Service (BaaS) Market Share (%), By Enterprise Size, 2017-2031F
• Figure 156. UAE Banking-as-a-Service (BaaS) Market Share (%), By End-user, 2017-2031F
• Figure 157. South Africa Banking-as-a-Service (BaaS) Market, By Value, In USD Billion, 2017-2031F
• Figure 158. South Africa Banking-as-a-Service (BaaS) Market Share (%), By Component, 2017-2031F
• Figure 159. South Africa Banking-as-a-Service (BaaS) Market Share (%), By Type, 2017-2031F
• Figure 160. South Africa Banking-as-a-Service (BaaS) Market Share (%), By Enterprise Size, 2017-2031F
• Figure 161. South Africa Banking-as-a-Service (BaaS) Market Share (%), By End-user, 2017-2031F
• Figure 162. By Component Map-Market Size (USD Billion) & Growth Rate (%), 2023
• Figure 163. By Type Map-Market Size (USD Billion) & Growth Rate (%), 2023
• Figure 164. By Enterprise Size Map-Market Size (USD Billion) & Growth Rate (%), 2023
• Figure 165. By End-user Map-Market Size (USD Billion) & Growth Rate (%), 2023
• Figure 166. By Region Map-Market Size (USD Billion) & Growth Rate (%), 2023

Global banking-as-a-service (BaaS) market is projected to witness a CAGR of 18.20% during the forecast period 2024-2031, growing from USD 4.39 billion in 2023 to USD 16.71 billion in 2031. The market for BaaS is growing due to rapid demand for digital banking services, scalable and efficient backend support for advanced financial operations, and enhanced user experiences. Parallelly, the mounting trend of embedded finance is being seamlessly integrated into a variety of applications and increasing demand for Baas platforms that enable such integrations. This growth is further being fueled by advancements in technologies, such as artificial intelligence and machine learning, as it enables BaaS providers to offer more advanced and adaptable services. In addition, the increasing momentum of open banking stimulates innovation and competition, driving financial institutions to pursue flexible and secure backend solutions. The widespread adoption of cloud computing is enabling better scalability of infrastructure in BaaS platforms and high-performance services, each factor taken together, driving a dynamic and fast-changing BaaS market.

Banking-as-a-service platform (BaaS) enables developers to work on the functionality of an app and its usability while BaaS takes care of scalability, security, and server-side operations. In 2024, one of the global card-issuing leader, Marqeta is collaborating with Visa and Affirm on the launch of the Visa Flexible Credential. This card will enable seamless switching among payment options, such as debit and credit, buy now, pay later, and rewards points. Marqeta obtained Visa Flexible Credential certification in May 2024 to enable its clients' cardholders to choose their preferred payment option simply.

Rising Adoption of BaaS in Financial Services to Boost Market Growth

This rising adoption of financial services is one of the major reasons for the growth of the BaaS market. With the increasing digitalization, the demand for scalable and reliable backend solutions intensifies for every financial transaction and service, including banking, wealth management, mutual funds, insurance, stock exchanges, treasury instruments, tax and audit consultation, capital restructuring, and portfolio management. Besides, the proliferation of internet services accelerates this digital transformation and affects how financial institutions and businesses operate. In July 2024, PLS Financial Services announced the launch of Xpectations! Plus, Debit Card. Powered by an integrated finance platform from Green Dot, this new account provides a full suite of online banking capabilities to PLS's more than five million customers. Features of Xpectations! Plus, a Debit Card includes early availability of direct deposits, overdraft protection, free access to a nationwide network of ATMs, and many other valuable financial tools and services.

BaaS platforms provide an important underlying structure for such advancement by offering required services around data storage, user authentication, and real-time processing. This thereby means that financial entities can process big volumes of transactions efficiently, maintain security, and expand their operations without difficulties. Therefore, wide adoption of BaaS is instrumental in modernizing fintech; this way, institutions can continue improving their service proposition and meet their customers' evolving needs in a digital-first world.

Rapid Advancements in Technology to Boost the Market

One of the major reasons for such a rapid boom in the BaaS market is the surging pace of technologies. The introduction of emerging innovations in AI, ML, and advanced cloud computing has structured changes in the capability provided by BaaS platforms, hence making them strong and multi-functional. AI and ML further develop capabilities for BaaS solutions, wherein higher-degree data analytics, predictive insights, and automation streamline the backend processes and enhance decision-making. Meanwhile, cloud computing enables scaling up the platforms to handle increasing data volumes and user loads efficiently. These technological capabilities support BaaS to extend scalability and performance for various complex applications.

In 2024, Treezor announced a new partnership with WITHLESS, a top player in AI-powered IT management specializing in SaaS management automation. Through the new partnership, WITHLESS will be able to offer innovative solutions to its corporate clients in Italy, France, and Spain by significantly simplifying its processes of software management. In such a way, businesses will gain the benefits of more efficiency with less time invested and significant cost savings. As more enterprises and developers look to leverage such advanced technologies for building robust, scalable, and efficient applications, the BaaS market continues to grow in leaps and bounds. In any case, continuous technological evolution would remain the key to push the BaaS market and keeping organizations competitive and agile in the ever-growing digital landscape.

Cloud-based BaaS to Dominate the Banking-as-a-Service (BaaS) Market

The cloud-based BaaS segment has become the clear force in the industry, holding the largest market share, and is expected to record the fastest growth rate throughout the forecast period. Its advantages are fast deployment of new digital features, uniform policy enforcement, automated provisioning, and monitoring of all kinds of traffic. These benefits, in turn, help digital businesses meet stringent service commitments and help mitigate reputational damage caused by service disruptions. The segment will see significant growth due to better utilization of cloud technology in bringing optimum efficiency to digital operations. In 2024, Avidia Bank teamed up with Q2 Software Inc. to extend and improve its digital banking suite. With the help of this partnership, Avidia will be able to upgrade to the latest online banking services and integrate Personetics' AI-powered engagement engine. This tie-up empowers Avidia to offer real-time insights and automated savings plans that improve a customer's digital banking experience.

The API-based BaaS segment is projected to record high growth during the forecast period. BaaS APIs help in secure data transfer between fintechs and banks. Such APIs enable fintech firms to integrate banking services directly into their apps or websites. This capability is expected to drive the growth of the segment, since fintech firms are consistently working on enriching the BaaS ecosystem with innovative solutions.

North America Dominates Banking-as-a-Service (BaaS) Market Share

North America dominates the share of the global banking-as-a-service market. This could be driven by an advanced financial technology ecosystem, strong levels of digital adoption, and a supportive regulatory environment fostering innovation in banking services. The major financial institutions and key fintech players in North America are increasingly looking toward BaaS for process automation, enhancing customer experiences, and fast deployment of new services. Moreover, BaaS providers are in North America, and with heavy investment in technology, it will continue to lead the market globally. This region is expected to continue leading in the current evolution of digital transformation, and thus drive market growth.

Europe is gradually becoming one of the major players in the BaaS market due to increased digital transformation among financial services across the region. The European market is gaining an efficient regulatory environment for innovation, coupled with growth in digital banking and fintech solution adoptions. BaaS is gaining further momentum as the means for European financial institutions and their start-ups to upgrade their back-office infrastructure in a much-needed scalable, flexible, and cost-effective way. In 2024, Solaris SE announced that it had signed its Series F round led by SBI Group alongside other existing investors. The current round includes an additional USD 105.6 million in capital and a financial guarantee of up to USD 110 million in capital equivalent.

Future Market Scenario (2024 - 2031F)

With digital transformation gaining further momentum, BaaS is bound to be at the forefront in the financial services landscape.

Further consolidations of technological advancements, including artificial intelligence, machine learning, and blockchain, will further improve the BaaS platforms by offering advanced data analytics, automated decision-making, and higher levels of security.

Demand will be created for BaaS due to the growth in digital and mobile banking since increasingly more financial services are shifting to digital channels. This will be additionally contributed by the continued inclusion of banking services into an increasingly diversified set of applications and platforms, further reinforcing the need for sound backend solutions.

Key Players Landscape and Outlook

The competitive landscape of the banking-as-a-service market is constantly changing, with different players contesting for a greater share of the market. Major players include well-established financial institutions, new fintech startups, and pure-play BaaS providers, each bringing their strength in the market. Major banks and traditional financial services firms increasingly adopt BaaS on their journey of renewal for innovation, leveraging strong industry experience and large customer bases. Meanwhile, a group of fintech startups disrupts the market with agile technology-driven platforms that boast state-of-the-art functionality and flexible integration. Specialized BaaS providers who compete based on advanced technology offerings related to, for instance, artificial intelligence or blockchain, must provide strong scalability and security. Further competitive intensity adds to the continuous emergence of new entrants and strategic partnerships forged in attempts to reach a broader range of services and geography.

In 2024, with the partnership with ClearBank, Payset, and its users are now in line to access a full-suite payment system for both local and cross-border transactions. It has integrated the ClearBank API into the client application of Payset, thereby smoothening account management and securing swift payment processing. The partnership further allows Payset to offer expanded business and personal account services across its markets, ensuring the highest possible service levels for clients in all supported jurisdictions.

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. Performance Metrics
• 4.3. Factors Considered in Purchase Decisions
  • 4.3.1. Features
  • 4.3.2. Performance and Reliability
  • 4.3.3. Ease of Use
  • 4.3.4. Security
  • 4.3.5. Costs
  • 4.3.6. Churn Rate
  • 4.3.7. Vendor Reputation
• 4.4. Customer Support
• 4.5. Consideration of Privacy and Regulations

5. Global Banking-as-a-Service (BaaS) 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 Component
    • 5.2.1.1. Platform
    • 5.2.1.2. Service
  • 5.2.2. By Type
    • 5.2.2.1. API-based BaaS
    • 5.2.2.2. Cloud-based BaaS
  • 5.2.3. By Enterprise Size
    • 5.2.3.1. Large Enterprises
    • 5.2.3.2. Small and Medium Enterprises
  • 5.2.4. By End-user
    • 5.2.4.1. Banks
    • 5.2.4.2. Financial Institutions
    • 5.2.4.3. Nonbank Financial Companies (NBFCs)
    • 5.2.4.4. Others
  • 5.2.5. By Region
    • 5.2.5.1. North America
    • 5.2.5.2. Europe
    • 5.2.5.3. Asia-Pacific
    • 5.2.5.4. South America
    • 5.2.5.5. Middle East and Africa
  • 5.2.6. By Company Market Share Analysis (Top 5 Companies and Others - By Value, 2023)
• 5.3. Market Map Analysis, 2023
  • 5.3.1. By Component
  • 5.3.2. By Type
  • 5.3.3. By Enterprise Size
  • 5.3.4. By End-user
  • 5.3.5. By Region

6. North America Banking-as-a-Service (BaaS) Market Outlook, 2017-2031F*

• 6.1. Market Size Analysis & Forecast
  • 6.1.1. By Value
• 6.2. Market Share Analysis & Forecast
  • 6.2.1. By Component
    • 6.2.1.1. Platform
    • 6.2.1.2. Service
  • 6.2.2. By Type
    • 6.2.2.1. API-based BaaS
    • 6.2.2.2. Cloud-based BaaS
  • 6.2.3. By Enterprise Size
    • 6.2.3.1. Large Enterprises
    • 6.2.3.2. Small and Medium Enterprises
  • 6.2.4. By End-user
    • 6.2.4.1. Banks
    • 6.2.4.2. Financial Institutions
    • 6.2.4.3. Nonbank Financial Companies (NBFCs)
    • 6.2.4.4. Others
  • 6.2.5. By Country Share
    • 6.2.5.1. United States
    • 6.2.5.2. Canada
    • 6.2.5.3. Mexico
• 6.3. Country Market Assessment
  • 6.3.1. United States Banking-as-a-Service (BaaS) Market Outlook, 2017-2031F*
    • 6.3.1.1. Market Size Analysis & Forecast
      • 6.3.1.1.1. By Value
    • 6.3.1.2. Market Share Analysis & Forecast
      • 6.3.1.2.1. By Component
        • 6.3.1.2.1.1. Platform
        • 6.3.1.2.1.2. Service
      • 6.3.1.2.2. By Type
        • 6.3.1.2.2.1. API-based BaaS
        • 6.3.1.2.2.2. Cloud-based BaaS
      • 6.3.1.2.3. By Enterprise Size
        • 6.3.1.2.3.1. Large Enterprises
        • 6.3.1.2.3.2. Small and Medium Enterprises
      • 6.3.1.2.4. By End-user
        • 6.3.1.2.4.1. Banks
        • 6.3.1.2.4.2. Financial Institutions
        • 6.3.1.2.4.3. Nonbank Financial Companies (NBFCs)
        • 6.3.1.2.4.4. Others
  • 6.3.2. Canada
  • 6.3.3. Mexico

All segments will be provided for all regions and countries covered

7. Europe Banking-as-a-Service (BaaS) Market Outlook, 2017-2031F

• 7.1. Germany
• 7.2. France
• 7.3. Italy
• 7.4. United Kingdom
• 7.5. Russia
• 7.6. Netherlands
• 7.7. Spain
• 7.8. Turkey
• 7.9. Poland

8. Asia-Pacific Banking-as-a-Service (BaaS) Market Outlook, 2017-2031F

• 8.1. India
• 8.2. China
• 8.3. Japan
• 8.4. Australia
• 8.5. Vietnam
• 8.6. South Korea
• 8.7. Indonesia
• 8.8. Philippines

9. South America Banking-as-a-Service (BaaS) Market Outlook, 2017-2031F

• 9.1. Brazil
• 9.2. Argentina

10. Middle East and Africa Banking-as-a-Service (BaaS) Market Outlook, 2017-2031F

• 10.1. Saudi Arabia
• 10.2. UAE
• 10.3. South Africa

11. Demand Supply Analysis

12. Value Chain Analysis

13. Porter's Five Forces Analysis

14. PESTLE Analysis

15. Software Pricing Analysis

16. Market Dynamics

• 16.1. Market Drivers
• 16.2. Market Challenges

17. Market Trends and Developments

18. Case Studies

19. Competitive Landscape

• 19.1. Competition Matrix of Top 5 Market Leaders
• 19.2. SWOT Analysis for Top 5 Players
• 19.3. Key Players Landscape for Top 10 Market Players
  • 19.3.1. Treezor SAS
    • 19.3.1.1. Company Details
    • 19.3.1.2. Key Management Personnel
    • 19.3.1.3. Products and Services
    • 19.3.1.4. Financials (As Reported)
    • 19.3.1.5. Key Market Focus and Geographical Presence
    • 19.3.1.6. Recent Developments/Collaborations/Partnerships/Mergers and Acquisition
  • 19.3.2. 10x Future Technologies Limited
  • 19.3.3. Green Dot Corporation
  • 19.3.4. Marqeta Inc.
  • 19.3.5. Railsbank Technology Limited
  • 19.3.6. Solaris SE
  • 19.3.7. Movencorp Inc.
  • 19.3.8. Thought Machine Group Limited
  • 19.3.9. Mambu GmbH
  • 19.3.10. Finastra Group Holdings Limited

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

20. Strategic Recommendations

21. About Us and Disclaimer