デジタルバンキングプラットフォーム市場規模：シェア、成長分析、タイプ別、コンポーネント別、バンキングモード別、地域別 - 産業予測 2025～2032年

デジタルバンキングプラットフォーム市場規模は2023年に307億4,000万米ドルとなり、2024年の338億1,000万米ドルから2032年には724億8,000万米ドルに成長し、予測期間（2025-2032年）のCAGRは10.0％で成長する見通しです。

世界のデジタルバンキングプラットフォーム市場は、金融機関によるデジタルバンキングサービスの採用増加や、安全で利便性の高いバンキング体験に対する消費者ニーズの高まりを背景に、堅調な成長を遂げています。これらのプラットフォームは、デジタルチャネルを活用して顧客体験を向上させ、業務効率を高め、シームレスで安全な取引を可能にすることで、従来のバンキングを変革しつつあります。主要な成長促進要因は、Z世代の影響力です。彼らはデジタルファーストの嗜好を持ち、モバイルバンキングの普及を加速させており、2020年には2,070万人だった利用者は、2026年には4,780万人に達すると予測されています。スマートフォンとインターネットへのアクセスがユビキタスになるにつれ、銀行は競争力を維持するためにユーザー中心の設計とセルフサービス機能を優先し、より包括的でテクノロジー主導の銀行エコシステムを育成しています。

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
• ケーススタディ
• 技術の進歩
• 規制情勢
• 顧客と購買基準の分析
• スタートアップ分析
• 特許分析

デジタルバンキングプラットフォーム市場規模：タイプ別& CAGR（2025-2032）

• 市場概要
• コーポレートバンキング
• リテールバンキング

デジタルバンキングプラットフォーム市場規模：コンポーネント別& CAGR（2025-2032）

• 市場概要
• プラットフォーム
• サービス

デジタルバンキングプラットフォーム市場規模：バンキングモード別& CAGR（2025-2032）

• 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プラットフォーム市場規模：展開別& CAGR（2025-2032）

• 市場概要
• クラウド
• オンプレミス

デジタルバンキングプラットフォーム市場規模：地域別& CAGR（2025-2032）

• 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）

主要企業プロファイル

• IBM Corporation（USA）
• Oracle Corporation（USA）
• SAP SE（Germany）
• Microsoft Corporation（USA）
• Fiserv, Inc.（USA）
• Temenos AG（Switzerland）
• Infosys Ltd.（India）
• Tata Consultancy Services（India）
• Finastra（UK）
• Salesforce, Inc.（USA）
• Alkami Technology, Inc.（USA）
• Apiture（USA）
• ebankIT（Portugal）
• nCino（USA）
• Sopra Banking Software（France）
• Backbase（Netherlands）
• Q2 Holdings, Inc.（USA）
• Intellect Design Arena Ltd.（India）

結論と提言

Digital Banking Platform Market size was valued at USD 30.74 billion in 2023 and is poised to grow from USD 33.81 billion in 2024 to USD 72.48 billion by 2032, growing at a CAGR of 10.0% during the forecast period (2025-2032).

The global digital banking platform market is witnessing robust growth, driven by the increasing adoption of digital banking services by financial institutions and rising consumer demand for secure and convenient banking experiences. These platforms are transforming traditional banking by leveraging digital channels to enhance customer experience, boost operational efficiency, and enable seamless, secure transactions. A key growth catalyst is the influence of Gen Z, whose digital-first preferences are accelerating mobile banking adoption-from 20.7 million users in 2020 to a projected 47.8 million by 2026. As smartphone and internet accessibility become ubiquitous, banks are prioritizing user-centric designs and self-service capabilities to remain competitive, fostering a more inclusive and technology-driven banking ecosystem.

Top-down and bottom-up approaches were used to estimate and validate the size of the Digital Banking Platform 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.

Digital Banking Platform Market Segments Analysis

Global Digital Banking Platform Market is segmented by Type, Component, Banking Mode, Deployment and region. Based on Type, the market is segmented into Corporate Banking and Retail Banking. Based on Component, the market is segmented into Platforms and Services. Based on Banking Mode, the market is segmented into Online Banking and Mobile Banking. Based on Deployment, the market is segmented into Cloud and On-Premise. Based on region, the market is segmented into North America, Europe, Asia Pacific, Latin America and Middle East & Africa.

Driver of the Digital Banking Platform Market

The rapid shift of customers toward digital banking services is a key driver for the Global Digital Banking Platform Market. Consumers increasingly prefer digital banking due to its convenience, accessibility, and personalized experiences, prompting banks to develop comprehensive digital platforms that support a wide range of financial activities. Financial institutions are investing heavily in user-friendly mobile apps and online banking services to enhance customer engagement. For instance, JPMorgan Chase, one of the largest banks in the United States, witnessed a significant rise in digital banking adoption, with approximately 75% of its customers actively using digital banking services in 2022. This growing reliance on digital solutions is accelerating the expansion of digital banking platforms worldwide.

Restraints in the Digital Banking Platform Market

Cybersecurity and data privacy concerns pose a significant restraint to the growth of the global digital banking platform market. As digital banking adoption expands, financial institutions face mounting pressure to invest in advanced security frameworks to comply with stringent regulatory mandates and protect customer data from cyber threats. A single security breach can lead to severe reputational damage, eroding customer trust and resulting in substantial financial losses. The growing sophistication of cyberattacks further amplifies these risks, making it imperative for banks to enhance their security infrastructure continuously. Failure to address these concerns effectively can hinder market expansion, as users and regulators demand higher levels of data protection and system resilience to ensure safe digital banking experiences.

Market Trends of the Digital Banking Platform Market

AI and ML are increasingly becoming core components of digital banking platforms, revolutionizing customer experience, fraud detection, and risk management. These technologies enable hyper-personalization, automate banking processes, and enhance decision-making through predictive analytics. A notable example is Bank of America's AI-driven virtual assistant, which fosters intelligent customer interactions and delivers personalized financial insights. As banks continue to leverage AI and ML for operational efficiency and security, the market is witnessing a shift towards smarter, more adaptive banking ecosystems. With ongoing advancements, AI and ML are poised to redefine digital banking platforms, driving innovation, cost optimization, and enhanced regulatory compliance in the coming years.

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
• Case Studies
• Technology Advancement
• Regulatory Landscape
• Customer & Buying Criteria Analysis
• Startup Analysis
• Patent Analysis

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

• Market Overview
• Corporate Banking
• Retail Banking

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

• Market Overview
• Platforms
• Services

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

• Market Overview
• Online Banking
• Mobile Banking

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

• Market Overview
• Cloud
• On-Premise

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

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

• IBM Corporation (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Oracle Corporation (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• SAP SE (Germany)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Microsoft Corporation (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Fiserv, Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Temenos AG (Switzerland)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Infosys Ltd. (India)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Tata Consultancy Services (India)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Finastra (UK)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Salesforce, Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Alkami Technology, Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Apiture (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• ebankIT (Portugal)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• nCino (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Sopra Banking Software (France)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Backbase (Netherlands)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Q2 Holdings, Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Intellect Design Arena Ltd. (India)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments

Conclusion & Recommendations