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オープンバンキングの世界市場：2023-2030年

Global Open Banking Market 2023-2030
出版日: | 発行: Orion Market Research | ページ情報: 英文 100 Pages | 納期: 2～3営業日

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価格
価格表記: USDを日本円(税抜)に換算
本日の銀行送金レート: 1USD=156.76円
オープンバンキングの世界市場：2023-2030年
出版日: 2023年12月07日
発行: Orion Market Research
ページ情報: 英文 100 Pages
納期: 2～3営業日
  • 全表示
  • 概要
  • 図表
  • 目次
概要

世界のオープンバンキング市場は、予測期間（2023-2030年）にCAGR 21.2％で成長すると予測されます。オープンバンキングとは、アプリケーション・プログラミング・インターフェース（API）の利用を通じて、銀行やノンバンク金融機関の消費者向けバンキング、取引、その他の金融データへのオープンなアクセスをサードパーティの金融サービスプロバイダーに提供するバンキング手法です。人工知能（AI）、モノのインターネット（IoT）、クラウドなどの技術の採用が拡大しています。オープンバンキングによると、2023年10月、スルーインパクトは2023年6月に行われた970万件の決済を報告し、英国の消費者の9人に1人以上（11％）がオープンバンキングのアクティブユーザーであり、中小企業の17％がオープンバンキングを利用しています。オープンバンキング決済の月間総額は約61億6,000万米ドルに上ります。 例えば、2023年10月、マスターカードは、安全、柔軟、かつセキュアな融資・決済体験を提供するエコシステム全体のパートナーをサポートするオープンバンキング・テクノロジーを提供しました。これには、世界の金融サービス・テクノロジー・プロバイダーであるFISのマーチャント・ソリューション事業であるFISのWorldPayや、Buy Now, Pay Laterを展開するZipなどが含まれ、より多くの支払い選択肢を可能にし、消費者向け融資を強化し、アカウントベースの支払いを近代化する、オープンバンキングを活用した新しいソリューションの規模を拡大しています。

セグメント別展望

アプリ市場は世界のオープン市場でかなりのシェアを占めると予想されます。

流通チャネルの中では、アプリ市場のサブセグメントが世界のオープン市場でかなりのシェアを占めると予想されます。銀行やオープンバンキング関連のサードパーティ・サービス・プロバイダーは、さまざまな金融サービス・プロバイダーから統合された口座情報を受け取ることができるアプリケーションを開発しています。これらのアプリケーションやサービスを利用することで、顧客情報や資金の管理も可能になります。例えば、2023年3月、ノルデアは、顧客が利用できるサービスを他社が作成できるようにAPIを構築しました。そのうちのいくつかは、EUのPSD2規制に準拠するために構築され、顧客が他の銀行のアプリやショッピングアプリから第三者を通じて口座にアクセスできるようにしました。その他は、プレミアムAPIとして構築され、法人顧客に対して、財務の合理化、効率性の向上、摩擦のない顧客体験の構築、eコマースの強化、金融セキュリティの向上を支援しています。

地域別展望

世界のオープンバンキング市場は、北米（米国、カナダ）、欧州（英国、イタリア、スペイン、ドイツ、フランス、その他欧州地域）、アジア太平洋地域（インド、中国、日本、韓国、その他アジア地域）、世界のその他の地域（中東とアフリカ、ラテンアメリカ）を含む地域別にさらに細分化されます。このうち北米は、Yapily Ltd、Mineral Tree, Inc.などの市場ソリューションベンダーが集中しているため、世界全体で大きなシェアを占めると予想されています。例えば、2022年3月、NCRはオープンバンキングのためのフィンテック知的財産を買収しました。この買収により、NCRはあらゆる顧客体験に金融サービス機能を組み込み、顧客のために市場をリードするデータインテリジェンスを構築するソフトウェアを手に入れました。

欧州地域は世界のオープンバンキング市場で大きなCAGRで成長する見込み

全地域の中で、欧州地域は予測期間中にかなりのCAGRで成長すると予測されています。この地域の成長は、銀行や金融などのサービスへのアクセスが増加していることに起因しています。英国には現在、230以上のサービスプロバイダーと600万人のオープンバンキング利用者がおり、その大半は消費者ビジネスと零細企業です。その結果、英国は銀行サービスへのアクセスを増やし、人々がクレジットスコアリングを取得・改善しやすくし、金融サービスの体験（顧客体験）を向上させることに成功しました。例えば、2021年8月、インドネシア銀行は、オープンバンキングを実施するためのコンプライアンスと基準のベンチマークとして、決済オープンAPI国家標準（SNAP）を制定しました。オープンバンキングは現在、インドネシアの複数の銀行で導入されており、これらの基準を参照しています。

目次

第1章 レポート概要

  • 業界の現状分析と成長可能性の展望
  • 調査方法とツール
  • 市場内訳
    • セグメント別
    • 地域別

第2章 市場概要と洞察

  • 調査範囲
  • アナリストの洞察と現在の市場動向
    • 主な調査結果
    • 推奨事項
    • 結論

第3章 競合情勢

  • 主要企業分析
  • Banco Bilbao Vizcaya Argentaria, S.A.
    • 概要
    • 財務分析
    • SWOT分析
    • 最近の動向
  • Credit Agricole
    • 概要
    • 財務分析
    • SWOT分析
    • 最近の動向
  • DBS Bank Ltd
    • 概要
    • 財務分析
    • SWOT分析
    • 最近の動向
  • 主要戦略分析

第4章 市場セグメンテーション

  • オープンバンキングの世界市場：タイプ別
    • クラウド
    • オンプレミス
    • ハイブリッド
  • オープンバンキングの世界市場：サービス別
    • 銀行と資本市場
    • 支払い
    • デジタル通貨
    • 付加価値サービス
  • オープンバンキングの世界市場：流通チャネル別
    • 銀行チャネル
    • アプリ市場
    • 販売代理店
    • アグリゲーター

第5章 地域分析

  • 北米
    • 米国
    • カナダ
  • 欧州
    • 英国
    • ドイツ
    • イタリア
    • スペイン
    • フランス
    • その他欧州
  • アジア太平洋
    • 中国
    • インド
    • 日本
    • 韓国
    • その他アジア太平洋地域
  • 世界のその他の地域

第6章 企業プロファイル

  • Adform
  • Adroll.com
  • HSBC bank plc
  • Jack Henry & Associates Inc.
  • Lloyds Bank plc
  • Mambu
  • Mineral Tree, Inc
  • NCR corp.
  • Nordigen Solutions
  • Qwist GmbH
  • Revolut Ltd
  • Societe Generale Luxembourg
  • Tink AB
  • Wells Fargo
  • Yapily Ltd.
図表

LIST OF TABLES

  • 1. GLOBAL OPEN BANKING MARKET RESEARCH AND ANALYSIS BY TYPE, 2022-2030 ($ MILLION)
  • 2. GLOBAL CLOUD OPEN BANKING MARKET RESEARCH AND ANALYSIS BY REGION, 2022-2030 ($ MILLION)

3. GLOBAL ON-PREMISES OPEN BANKING MARKET RESEARCH AND ANALYSIS BY REGION, 2022-2030 ($MILLION)

  • 4. GLOBAL HYBRID OPEN BANKING MARKET RESEARCH AND ANALYSIS BY REGION, 2022-2030 ($ MILLION)
  • 5. GLOBAL OPEN BANKING MARKET RESEARCH AND ANALYSIS BY SERVICES, 2022-2030 ($ MILLION)
  • 6. GLOBAL OPEN BANKING IN BANKING & CAPITAL MARKETS MARKET RESEARCH AND ANALYSIS BY REGION, 2022-2030 ($ MILLION)
  • 7. GLOBAL OPEN BANKING IN PAYMENTS MARKETS RESEARCH AND ANALYSIS BY REGION, 2022-2030 ($ MILLION)
  • 8. GLOBAL OPEN BANKING IN DIGITAL CURRENCIES MARKETS RESEARCH AND ANALYSIS BY REGION, 2022-2030 ($ MILLION)
  • 9. GLOBAL OPEN BANKING IN VALUE ADDED SERVICES MARKETS RESEARCH AND ANALYSIS BY REGION, 2022-2030 ($ MILLION)
  • 10. GLOBAL OPEN BANKING MARKET RESEARCH AND ANALYSIS BY DISTRIBUTION CHANNEL, 2022-2030 ($ MILLION)
  • 11. GLOBAL OPEN BANKING FOR BANK CHANNEL MARKETS RESEARCH AND ANALYSIS BY REGION, 2022-2030 ($ MILLION)
  • 12. GLOBAL OPEN BANKING FOR APP MARKETS RESEARCH AND ANALYSIS BY REGION, 2022-2030 ($ MILLION)
  • 13. GLOBAL OPEN BANKING FOR DISTRIBUTORS MARKETS RESEARCH AND ANALYSIS BY REGION, 2022-2030 ($ MILLION)
  • 14. GLOBAL OPEN BANKING FOR AGGREGATORS MARKETS RESEARCH AND ANALYSIS BY REGION, 2022-2030 ($ MILLION)
  • 15. GLOBAL OPEN BANKING MARKET RESEARCH AND ANALYSIS BY REGION, 2022-2030 ($ MILLION)
  • 16. NORTH AMERICAN OPEN BANKING MARKET RESEARCH AND ANALYSIS BY COUNTRY, 2022-2030 ($ MILLION)
  • 17. NORTH AMERICAN OPEN BANKING MARKET RESEARCH AND ANALYSIS BY TYPE, 2022-2030 ($ MILLION)
  • 18. NORTH AMERICAN OPEN BANKING MARKET RESEARCH AND ANALYSIS BY SERVICES, 2022-2030 ($ MILLION)
  • 19. NORTH AMERICAN OPEN BANKING MARKET RESEARCH AND ANALYSIS BY DISTRIBUTION CHANNEL, 2022-2030 ($ MILLION)
  • 20. EUROPEAN OPEN BANKING MARKET RESEARCH AND ANALYSIS BY COUNTRY, 2022-2030 ($ MILLION)
  • 21. EUROPEAN OPEN BANKING MARKET RESEARCH AND ANALYSIS BY TYPE, 2022-2030 ($ MILLION)
  • 22. EUROPEAN OPEN BANKING MARKET RESEARCH AND ANALYSIS BY SERVICES, 2022-2030 ($ MILLION)
  • 23. EUROPEAN OPEN BANKING MARKET RESEARCH AND ANALYSIS BY DISTRIBUTION CHANNEL, 2022-2030 ($ MILLION)
  • 24. ASIA-PACIFIC OPEN BANKING MARKET RESEARCH AND ANALYSIS BY COUNTRY, 2022-2030 ($ MILLION)
  • 25. ASIA-PACIFIC OPEN BANKING MARKET RESEARCH AND ANALYSIS BY TYPE, 2022-2030 ($ MILLION)
  • 26. ASIA-PACIFIC OPEN BANKING MARKET RESEARCH AND ANALYSIS BY SERVICES, 2022-2030 ($ MILLION)
  • 27. ASIA-PACIFIC OPEN BANKING MARKET RESEARCH AND ANALYSIS BY DISTRIBUTION CHANNEL, 2022-2030 ($ MILLION)
  • 28. REST OF THE WORLD OPEN BANKING MARKET RESEARCH AND ANALYSIS BY REGION, 2022-2030 ($ MILLION)
  • 29. REST OF THE WORLD OPEN BANKING MARKET RESEARCH AND ANALYSIS BY TYPE, 2022-2030 ($ MILLION)
  • 30. REST OF THE WORLD OPEN BANKING MARKET RESEARCH AND ANALYSIS BY SERVICES, 2022-2030 ($ MILLION)
  • 31. REST OF THE WORLD OPEN BANKING MARKET RESEARCH AND ANALYSIS BY DISTRIBUTION CHANNEL, 2022-2030 ($ MILLION)

LIST OF FIGURES

  • 1. GLOBAL OPEN BANKING MARKET SHARE BY TYPE, 2022 VS 2030 (%)
  • 2. GLOBAL CLOUD OPEN BANKING MARKET SHARE BY REGION, 2022 VS 2030 (%)
  • 3. GLOBAL ON-PREMISES OPEN BANKING MARKET SHARE BY REGION, 2022 VS 2030 (%)
  • 4. GLOBAL HYBRID OPEN BANKING MARKET SHARE BY REGION, 2022 VS 2030 (%)
  • 5. GLOBAL OPEN BANKING MARKET SHARE BY SERVICES, 2022 VS 2030 ($ MILLION)
  • 6. GLOBAL OPEN BANKING IN BANKING & CAPITAL MARKETS SHARE BY REGION, 2022 VS 2030 (%)
  • 7. GLOBAL OPEN BANKING IN PAYMENTS MARKETS SHARE BY REGION, 2022 VS 2030 (%)
  • 8. GLOBAL OPEN BANKING IN DIGITAL CURRENCIES MARKETS SHARE BY REGION, 2022 VS 2030 (%)
  • 9. GLOBAL OPEN BANKING IN VALUE ADDED SERVICES MARKETS SHARE BY REGION, 2022 VS 2030 (%)
  • 10. GLOBAL OPEN BANKING MARKET SHARE ANALYSIS BY DISTRIBUTION CHANNEL, 2022-2030 ($ MILLION)
  • 11. GLOBAL OPEN BANKING FOR BANK CHANNEL MARKETS SHARE BY REGION, 2022 VS 2030 (%)
  • 12. GLOBAL OPEN BANKING FOR APP MARKETS SHARE BY REGION, 2022 VS 2030 (%)
  • 13. GLOBAL OPEN BANKING FOR DISTRIBUTORS MARKETS SHARE BY REGION, 2022 VS 2030 (%)
  • 14. GLOBAL OPEN BANKING FOR AGGREGATORS MARKETS SHARE BY REGION, 2022 VS 2030 (%)
  • 15. GLOBAL OPEN BANKING MARKET SHARE BY REGION, 2022 VS 2030 (%)
  • 16. US OPEN BANKING MARKET SIZE, 2022-2030 ($ MILLION)
  • 17. CANADA OPEN BANKING MARKET SIZE, 2022-2030 ($ MILLION)
  • 18. UK OPEN BANKING MARKET SIZE, 2022-2030 ($ MILLION)
  • 19. FRANCE OPEN BANKING MARKET SIZE, 2022-2030 ($ MILLION)
  • 20. GERMANY OPEN BANKING MARKET SIZE, 2022-2030 ($ MILLION)
  • 21. ITALY OPEN BANKING MARKET SIZE, 2022-2030 ($ MILLION)
  • 22. SPAIN OPEN BANKING MARKET SIZE, 2022-2030 ($ MILLION)
  • 23. REST OF EUROPE OPEN BANKING MARKET SIZE, 2022-2030 ($ MILLION)
  • 24. INDIA OPEN BANKING MARKET SIZE, 2022-2030 ($ MILLION)
  • 25. CHINA OPEN BANKING MARKET SIZE, 2022-2030 ($ MILLION)
  • 26. JAPAN OPEN BANKING MARKET SIZE, 2022-2030 ($ MILLION)
  • 27. SOUTH KOREA OPEN BANKING MARKET SIZE, 2022-2030 ($ MILLION)
  • 28. REST OF ASIA-PACIFIC OPEN BANKING MARKET SIZE, 2022-2030 ($ MILLION)
  • 29. REST OF THE WORLD OPEN BANKING MARKET SIZE, 2022-2030 ($ MILLION)
目次
Product Code: OMR2027935

Global Open Banking Market Size, Share & Trends Analysis Report by Type (Cloud, On-Premises, and Hybrid), by Services (Banking & Capital Markets, Payments, Digital Currencies, and Value-added Services), and by Distribution Channel (Bank Channel, App Market, Distributors, and Aggregators), Forecast Period (2023-2030)

The global open banking market is anticipated to grow at a CAGR of 21.2% during the forecast period (2023-2030). Open banking is a banking practice that provides third-party financial service providers open access to consumer banking, transactions, and other financial data from banks and non-bank financial institutions through the use of application programming interfaces (APIs). The growth adoption of technologies such as artificial intelligence (AI), internet of things (IoT), and cloud. According to Open Banking, In October 2023, Through Impact reported 9.7 million payments made in June 2023, over 1 in 9 (11%) British consumers are active users of open banking, and 17% of small businesses. The average transaction value of open banking payments is around $574, meaning the total monthly value of open banking payments is around $6.16 billion. For instance, In October 2023, Mastercard provided open banking technology to support partners across the ecosystem with safe, flexible, and secure lending and payment experiences. Including WorldPay from FIS, the merchant solutions business of global financial services technology provider FIS, and Zip, a buy now, pay later firm, to scale new open banking-powered solutions that enable more payment choices, empower consumer lending, and modernize account-based payments.

Segmental Outlook

The global open banking market is segmented by type, services, and distribution channel. Based on the type, the market is sub-segmented into cloud, on-premises, and hybrid. Based on the services, the market is sub-segmented into banking & capital markets, payments, digital currencies, and value-added services. Further, based on distribution channels, the market is sub-segmented into bank channels, app markets, distributors, and aggregators. Among the services banking & capital markets sub-segment is anticipated to hold a considerable share of the market owing to the rising customer awareness regarding investments and banking.

The App market Sub-Segment is Anticipated to Hold a Considerable Share of the Global Open Market

Among the distribution channels, the app market sub-segment is expected to hold a considerable share of the global open market. Banks and third-party service providers related to open banking have developed applications that aid users in receiving consolidated account information from various financial service providers. Using these applications and services also enables the management of client information and funds. The segmental growth is attributed to the growing adoption of mobile applications for various purposes such as buying and selling products and services, and rising awareness regarding the utilization of banking services through mobile banking. for instance, in march 2023, Nordea built APIs to enable other companies to create services that our customers can use Some of them were built to comply with the PSD2 EU regulation and give our customers access to their accounts through third parties from other banks' apps or shopping apps. Others were built as Premium APIs which offer corporate customers to help them streamline their finances, increase efficiency, build frictionless customer experiences, boost their e-commerce, and improve their financial security.

Regional Outlook

The global open banking market is further segmented based on geography including North America (the US, and Canada), Europe (UK, Italy, Spain, Germany, France, and the Rest of Europe), Asia-Pacific (India, China, Japan, South Korea, and Rest of Asia), and the Rest of the World (the Middle East & Africa, and Latin America. Among these, North America is anticipated to hold a prominent share of the market across the globe, owing to the high concentration of the market solution vendors including Yapily Ltd, Mineral Tree, Inc., and more. For Instance, In March 2022, NCR acquired fintech intellectual property for open banking. with the acquisition, NCR has the software to embed financial services capabilities into every customer experience and build market-leading data intelligence for their clients.

The Europe Region is Expected to Grow at a Significant CAGR in the Global Open banking Market

Among all regions, the Europe region is anticipated to grow at a considerable CAGR over the forecast period. Regional growth is attributed to increasing access to the services such as banking and finance. The UK now has more than 230 service providers and 6 million open banking users, which are dominated by consumer businesses and micro businesses. As a result, the UK has succeeded in increasing access to banking services, making it easier for people to obtain and improve credit scoring, and improving the experience of financial services (customer experience). for instance, in August 2021, Bank Indonesia established the Payment Open API National Standard (SNAP) as a benchmark for compliance and standards for implementing open banking. Open banking has now been implemented by several banks in Indonesia and refers to these standards.

Market Players Outlook

The major companies serving the open banking market include HSBC Bank plc, Jack Henry & Associates Inc., Lloyds Bank plc, Mambu and Mineral Tree, Inc., and others. The market players are considerably contributing to the market growth by the adoption of various strategies including mergers and acquisitions, partnerships, collaborations, funding, and new product launches, to stay competitive in the market. For instance, in 2021, Yapily Ltd. announced a partnership with American Express to provide open banking services to its customers in Europe.

The Report Covers:

  • Market value data analysis of 2022 and forecast to 2030.
  • Annualized market revenues ($ million) for each market segment.
  • Country-wise analysis of major geographical regions.
  • Key companies operating in the global open banking market. Based on the availability of data, information related to new product launches, and relevant news is also available in the report.
  • Analysis of business strategies by identifying the key market segments positioned for strong growth in the future.
  • Analysis of market-entry and market expansion strategies.
  • Competitive strategies by identifying 'who-stands-where' in the market.

Table of Contents

1. Report Summary

  • Current Industry Analysis and Growth Potential Outlook
  • 1.1. Research Methods and Tools
  • 1.2. Market Breakdown
    • 1.2.1. By Segments
    • 1.2.2. By Region

2. Market Overview and Insights

  • 2.1. Scope of the Report
  • 2.2. Analyst Insight & Current Market Trends
    • 2.2.1. Key Findings
    • 2.2.2. Recommendations
    • 2.2.3. Conclusion

3. Competitive Landscape

  • 3.1. Key Company Analysis
  • 3.2. Banco Bilbao Vizcaya Argentaria, S.A.
    • 3.2.1. Overview
    • 3.2.2. Financial Analysis
    • 3.2.3. SWOT Analysis
    • 3.2.4. Recent Developments
  • 3.3. Credit Agricole
    • 3.3.1. Overview
    • 3.3.2. Financial Analysis
    • 3.3.3. SWOT Analysis
    • 3.3.4. Recent Developments
  • 3.4. DBS Bank Ltd
    • 3.4.1. Overview
    • 3.4.2. Financial Analysis
    • 3.4.3. SWOT Analysis
    • 3.4.4. Recent Developments
  • 3.5. Key Strategy Analysis

4. Market Segmentation

  • 4.1. Global Open Banking Market by Type
    • 4.1.1. Cloud
    • 4.1.2. On-Premises
    • 4.1.3. Hybrid
  • 4.2. Global Open Banking Market by Services
    • 4.2.1. Banking & Capital Markets
    • 4.2.2. Payments
    • 4.2.3. Digital Currencies
    • 4.2.4. Value-Added Services
  • 4.3. Global Open Banking Market by Distribution Channel
    • 4.3.1. Bank Channel
    • 4.3.2. App market
    • 4.3.3. Distributors
    • 4.3.4. Aggregators

5. Regional Analysis

  • 5.1. North America
    • 5.1.1. United States
    • 5.1.2. Canada
  • 5.2. Europe
    • 5.2.1. UK
    • 5.2.2. Germany
    • 5.2.3. Italy
    • 5.2.4. Spain
    • 5.2.5. France
    • 5.2.6. Rest of Europe
  • 5.3. Asia-Pacific
    • 5.3.1. China
    • 5.3.2. India
    • 5.3.3. Japan
    • 5.3.4. South Korea
    • 5.3.5. Rest of Asia-Pacific
  • 5.4. Rest of the World

6. Company Profiles

  • 6.1. Adform
  • 6.2. Adroll.com
  • 6.3. HSBC bank plc
  • 6.4. Jack Henry & Associates Inc.
  • 6.5. Lloyds Bank plc
  • 6.6. Mambu
  • 6.7. Mineral Tree, Inc
  • 6.8. NCR corp.
  • 6.9. Nordigen Solutions
  • 6.10. Qwist GmbH
  • 6.11. Revolut Ltd
  • 6.12. Societe Generale Luxembourg
  • 6.13. Tink AB
  • 6.14. Wells Fargo
  • 6.15. Yapily Ltd.