デジタルバンキングの市場規模、シェア、成長分析；コンポーネント別、展開タイプ別、バンキングタイプ別、バンキングモード別、エンドユーザー別、地域別 - 産業予測 2025～2032年

デジタルバンキングの世界市場規模は2023年に105億3,000万米ドルと評価され、2024年の119億2,000万米ドルから2032年には321億4,000万米ドルに成長し、予測期間中（2025年～2032年）のCAGRは13.2％で成長する見通しです。

世界のデジタルバンキング市場は、決済、投資、保険、ローン、資産運用など、多様な金融サービスを提供するフィンテック企業の存在感の高まりによって、加速度的に成長するとみられます。テクノロジーに精通した消費者は、シームレスなユーザー体験を提供するこれらのプラットフォームを好み、銀行がフィンテック企業やサードパーティアプリと協業することを促しています。このようなコラボレーションは、顧客の財務管理を強化すると同時に、大規模なシステム改修を行うことなく銀行インフラを最適化します。WhatsApp PayやPhonePeのようなリアルタイム決済サービスの急増は、堅牢な銀行インフラに対する需要をさらに高めています。特に、Visaが53億米ドルを投じてPlaidを買収したことは、デジタルバンキングにおけるクラウドベースのソリューションの重要性が高まっていることを裏付けています。2022年には1億9,700万人以上の米国人がデジタルバンキングを利用すると予想され、北米は依然として重要な成長地域です。

目次

イントロダクション

• 調査の目的
• 調査範囲
• 定義

調査手法

• 情報調達
• 二次と一次データの方法
• 市場規模予測
• 市場の前提条件と制限

エグゼクティブサマリー

• 世界市場の見通し
• 供給と需要の動向分析
• セグメント別機会分析

市場力学と見通し

• 市場概要
• 市場規模
• 市場力学
  • 促進要因と機会
  • 抑制要因と課題
• ポーターの分析

主な市場の考察

• 重要成功要因
• 競合の程度
• 主な投資機会
• 市場エコシステム
• 市場の魅力指数（2024年）
• PESTEL分析
• マクロ経済指標
• バリューチェーン分析
• 価格分析

デジタルバンキング市場規模：コンポーネント別

• 市場概要
• プラットフォーム
• サービス
• プロフェッショナルサービス
  • コンサルティング
  • 実装
  • サポートとメンテナンス
• マネージドサービス
• トランザクションサービス
  • 現金の預け入れと引き出し
  • 資金振替
  • 自動引き落とし/自動入金サービス
  • ローン
• 非トランザクションサービス
  • 情報セキュリティ
  • リスク管理
  • 財務計画
  • 株式アドバイス

デジタルバンキング市場規模：展開タイプ別

• 市場概要
• オンプレミス
• クラウド

デジタルバンキング市場規模：バンキングタイプ別

• 市場概要
• リテールバンキング
• コーポレートバンキング
• 投資バンキング

デジタルバンキング市場規模：バンキングモード別

• 市場概要
• オンラインバンキング
• モバイルバンキング

デジタルバンキング市場規模：エンドユーザー別

• 市場概要
• 個人
  • オンラインバンキングプラットフォーム
  • モバイルバンキングアプリ
• 政府機関
  • オンラインバンキングプラットフォーム
  • モバイルバンキングアプリ
• 企業
  • オンラインバンキングプラットフォーム
  • モバイルバンキングアプリ

デジタルバンキング市場規模

• 北米
  • 米国
  • カナダ
• 欧州
  • ドイツ
  • スペイン
  • フランス
  • 英国
  • イタリア
  • その他欧州地域
• アジア太平洋地域
  • 中国
  • インド
  • 日本
  • 韓国
  • その他アジア太平洋地域
• ラテンアメリカ
  • ブラジル
  • その他ラテンアメリカ地域
• 中東・アフリカ
  • GCC諸国
  • 南アフリカ
  • その他中東・アフリカ

競合情報

• 上位5社の比較
• 主要企業の市場ポジショニング（2024年）
• 主な市場企業が採用した戦略
• 最近の市場動向
• 企業の市場シェア分析（2024年）
• 主要企業の企業プロファイル
  • 企業の詳細
  • 製品ポートフォリオ分析
  • 企業のセグメント別シェア分析
  • 収益の前年比比較（2022～2024年）

主要企業プロファイル

• Nubank（Brazil）
• Revolut（United Kingdom）
• Monzo（United Kingdom）
• Starling Bank（United Kingdom）
• Chime（United States）
• Varo Bank（United States）
• SoFi（United States）
• Ally Bank（United States）
• Tinkoff Bank（Russia）
• KakaoBank（South Korea）
• WeBank（China）
• Judo Bank（Australia）
• Volt Bank（Australia）
• N26（Germany）
• bunq（Netherlands）
• Fidor Bank（Germany）
• BankMobile（United States）
• Current（United States）
• Aspiration（United States）
• Zempler Bank（United Kingdom）

結論と提言

Global Digital Banking Market size was valued at USD 10.53 billion in 2023 and is poised to grow from USD 11.92 billion in 2024 to USD 32.14 billion by 2032, growing at a CAGR of 13.2% during the forecast period (2025-2032).

The global digital banking market is set for accelerated growth, driven by the increasing presence of fintech players offering diverse financial services, including payments, investments, insurance, loans, and asset management. Tech-savvy consumers prefer these platforms for their seamless user experience, prompting banks to collaborate with fintech firms and third-party apps. This collaboration enhances customer control over finances while optimizing banking infrastructure without major system overhauls. The surge in real-time payment services like WhatsApp Pay and PhonePe has further heightened the demand for robust banking infrastructure. Notably, Visa's $5.3 billion acquisition of Plaid underscores the rising importance of cloud-based solutions in digital banking. With over 197 million Americans using digital banking in 2022, North America remains a key growth region.

Top-down and bottom-up approaches were used to estimate and validate the size of the Global Digital Banking market and to estimate the size of various other dependent submarkets. The research methodology used to estimate the market size includes the following details: The key players in the market were identified through secondary research, and their market shares in the respective regions were determined through primary and secondary research. This entire procedure includes the study of the annual and financial reports of the top market players and extensive interviews for key insights from industry leaders such as CEOs, VPs, directors, and marketing executives. All percentage shares split, and breakdowns were determined using secondary sources and verified through Primary sources. All possible parameters that affect the markets covered in this research study have been accounted for, viewed in extensive detail, verified through primary research, and analyzed to get the final quantitative and qualitative data.

Global Digital Banking Market Segments Analysis

Global Digital Banking Market is segmented by Component, Deployment Type, Banking Type, Banking Mode, End users and region. Based on Component, the market is segmented into Platforms, Services, Professional services, Managed Services, Transactional Services and Non-Transactional Services. Based on Deployment Type, the market is segmented into On-premises and Cloud. Based on Banking Type, the market is segmented into Retail Banking, Corporate Banking and Investment Banking. Based on Banking Mode, the market is segmented into Online Banking and Mobile Banking. Based on End users, the market is segmented into Individuals, Government organizations and Corporates. Based on region, the market is segmented into North America, Europe, Asia Pacific, Latin America and Middle East & Africa.

Driver of the Global Digital Banking Market

Growing awareness of cybersecurity risks is a key driver for the global digital banking market. Traditional banks face intense competition from fintech firms, payment service providers, and tech giants, pushing them to enhance their digital offerings. Customers are increasingly prioritizing security, seeking banking solutions that offer robust protection against fraud and cyber threats. Digital banking platforms address these concerns by integrating advanced security measures such as biometric authentication, AI-driven fraud detection, and encryption technologies. As cybersecurity threats grow, consumer trust in digital banking continues to strengthen, accelerating its adoption worldwide. This shift compels banks to invest in secure digital infrastructure, further propelling market expansion.

Restraints in the Global Digital Banking Market

A key restraint in the global Digital Banking Market is the strong consumer preference for traditional brick-and-mortar banking, particularly among older demographics. Many users continue to value in-person interactions and the perceived security of physical branches, creating a barrier to the widespread adoption of digital banking services. This hesitation is often rooted in long-standing trust in conventional banking models and concerns over cybersecurity risks. As a result, even for routine transactions, some customers remain reluctant to transition fully to digital platforms. To overcome this challenge, financial institutions must invest in advanced digital security measures, user-friendly interfaces, and targeted educational campaigns to build consumer confidence and drive greater acceptance of digital banking solutions worldwide.

Market Trends of the Global Digital Banking Market

Our analysis reveals that mobile banking is emerging as a dominant trend in the global Digital Banking Market, driven by convenience and a growing emphasis on sustainability. Financial institutions are integrating sustainability metrics into digital banking services, as seen with Danske Bank's June 2024 launch of a feature to track sustainable investments. Additionally, the rise of "buy now, pay later" (BNPL) solutions is reshaping consumer spending, particularly among millennials and Gen Z. Google Pay's May 2024 update enhanced online shopping by expanding BNPL options like Affirm and Zip while improving security and checkout experiences. These advancements reflect the increasing demand for seamless, personalized, and secure digital financial services, shaping the future of digital banking with innovation and user-centric solutions.

Table of Contents

Introduction

• Objectives of the Study
• Scope of the Report
• Definitions

Research Methodology

• Information Procurement
• Secondary & Primary Data Methods
• Market Size Estimation
• Market Assumptions & Limitations

Executive Summary

• Global Market Outlook
• Supply & Demand Trend Analysis
• Segmental Opportunity Analysis

Market Dynamics & Outlook

• Market Overview
• Market Size
• Market Dynamics
  • Drivers & Opportunities
  • Restraints & Challenges
• Porters Analysis
  • Competitive rivalry
  • Threat of substitute
  • Bargaining power of buyers
  • Threat of new entrants
  • Bargaining power of suppliers

Key Market Insights

• Key Success Factors
• Degree of Competition
• Top Investment Pockets
• Market Ecosystem
• Market Attractiveness Index, 2024
• PESTEL Analysis
• Macro-Economic Indicators
• Value Chain Analysis
• Pricing Analysis

Global Digital Banking Market Size by Component & CAGR (2025-2032)

• Market Overview
• Platforms
• Services
• Professional services
  • Consulting
  • Implementation
  • Support and maintenance
• Managed Services
• Transactional Services
  • Cash deposits and withdrawal
  • Fund transfers
  • Auto-debit/auto-credit services
  • Loans
• Non-Transactional Services
  • Information security
  • Risk management
  • Financial planning
  • Stock advisory

Global Digital Banking Market Size by Deployment Type & CAGR (2025-2032)

• Market Overview
• On-premises
• Cloud

Global Digital Banking Market Size by Banking Type & CAGR (2025-2032)

• Market Overview
• Retail Banking
• Corporate Banking
• Investment Banking

Global Digital Banking Market Size by Banking Mode & CAGR (2025-2032)

• Market Overview
• Online Banking
• Mobile Banking

Global Digital Banking Market Size by End users & CAGR (2025-2032)

• Market Overview
• Individuals
  • Online banking platforms
  • Mobile banking apps
• Government organizations
  • Online banking platforms
  • Mobile banking apps
• Corporates
  • Online banking platforms
  • Mobile banking apps

Global Digital Banking Market Size & CAGR (2025-2032)

• North America (Component, Deployment Type, Banking Type, Banking Mode, End users)
  • US
  • Canada
• Europe (Component, Deployment Type, Banking Type, Banking Mode, End users)
  • Germany
  • Spain
  • France
  • UK
  • Italy
  • Rest of Europe
• Asia Pacific (Component, Deployment Type, Banking Type, Banking Mode, End users)
  • China
  • India
  • Japan
  • South Korea
  • Rest of Asia-Pacific
• Latin America (Component, Deployment Type, Banking Type, Banking Mode, End users)
  • Brazil
  • Rest of Latin America
• Middle East & Africa (Component, Deployment Type, Banking Type, Banking Mode, End users)
  • GCC Countries
  • South Africa
  • Rest of Middle East & Africa

Competitive Intelligence

• Top 5 Player Comparison
• Market Positioning of Key Players, 2024
• Strategies Adopted by Key Market Players
• Recent Developments in the Market
• Company Market Share Analysis, 2024
• Company Profiles of All Key Players
  • Company Details
  • Product Portfolio Analysis
  • Company's Segmental Share Analysis
  • Revenue Y-O-Y Comparison (2022-2024)

Key Company Profiles

• Nubank (Brazil)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Revolut (United Kingdom)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Monzo (United Kingdom)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Starling Bank (United Kingdom)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Chime (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Varo Bank (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• SoFi (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Ally Bank (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Tinkoff Bank (Russia)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• KakaoBank (South Korea)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• WeBank (China)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Judo Bank (Australia)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Volt Bank (Australia)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• N26 (Germany)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• bunq (Netherlands)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Fidor Bank (Germany)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• BankMobile (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Current (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Aspiration (United States)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Zempler Bank (United Kingdom)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments

Conclusion & Recommendations