リテールバンキング市場規模、シェア、成長分析：タイプ別、サービス別、技術別、地域別 - 産業予測 2025～2032年

リテールバンキング市場規模は2023年に2兆1,500億米ドルと評価され、2024年の2兆2,900億米ドルから2032年には3兆8,500億米ドルに成長し、予測期間（2025年～2032年）のCAGRは6.7％で成長する見通しです。

リテールバンキング部門は、貯蓄口座や当座預金口座、個人ローン、住宅ローン、クレジット商品などの金融サービスに対する個人消費者の需要の増加に牽引され、力強い成長を遂げています。大手商業銀行は、家族や個人により良いサービスを提供するため、戦略的に地方支店に重点を置き、顧客エンゲージメントとモニタリング機能を強化しています。住宅や自動車といった大きな買い物のために、消費者が様々なローンオプションを利用するようになっているため、市場はさらに拡大すると予想されます。リテールバンキングは、顧客との緊密な結びつきを活かして、金融サービスをカスタマイズし、顧客との関係を強化しており、これが今後数年間の市場成長の重要な原動力となると思われます。

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
• 規制情勢
• 特許分析

リテールバンキング市場規模：タイプ別& CAGR（2025-2032）

• 市場概要
• 公的銀行
• 民間銀行
• 外国銀行
• コミュニティ開発銀行
• 非銀行金融会社（NBFC）

リテールバンキング市場規模：サービス別& CAGR（2025-2032）

• 市場概要
• 普通預金口座と当座預金口座
• 取引口座
• 個人ローン
• 住宅ローン
• モーゲージローン
• デビットカードとクレジットカード
• 自動現金自動預払機（ATM）

リテールバンキング市場規模：技術別& 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
• 支店銀行
• ATMバンキング

リテールバンキング市場規模：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

• JPMorgan Chase & Co.（USA）
• Bank of America（USA）
• Wells Fargo & Co.（USA）
• Citigroup Inc.（USA）
• HSBC Holdings plc（UK）
• TD Bank Group（Canada）
• PNC Financial Services Group, Inc.（USA）
• U.S. Bancorp（USA）
• Capital One Financial Corporation（USA）
• Royal Bank of Canada（Canada）
• Barclays PLC（UK）
• Lloyds Banking Group（UK）
• BNP Paribas（France）
• Societe Generale（France）
• Banco Santander（Spain）
• ING Group（Netherlands）
• UBS Group AG（Switzerland）
• Deutsche Bank AG（Germany）
• Industrial and Commercial Bank of China（ICBC）（China）

結論と提言

Retail Banking Market size was valued at USD 2.15 trillion in 2023 and is poised to grow from USD 2.29 trillion in 2024 to USD 3.85 trillion by 2032, growing at a CAGR of 6.7% during the forecast period (2025-2032).

The retail banking sector is experiencing robust growth, driven by an increasing demand from individual consumers for financial services such as savings and current accounts, personal loans, mortgages, and credit products. Larger commercial banks are strategically focusing on local branches to better serve families and individuals, enhancing customer engagement and monitoring capabilities. As consumers increasingly turn to various loan options for major purchases like homes and vehicles, the market is expected to expand further. Retail banks are capitalizing on their close connectivity with clients, allowing them to tailor financial services and strengthen customer relationships, which will be a critical driver of market growth in the coming years.

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

Retail Banking Market Segments Analysis

Global Retail Banking Market is segmented by Type, Service, Technology and region. Based on Type, the market is segmented into Public Sector Banks, Private Sector Banks, Foreign Banks, Community Development Banks and Non-Banking Financial Companies (NBFCs). Based on Service, the market is segmented into Saving and Checking Accounts, Transactional Accounts, Personal Loans, Home Loans, Mortgages, Debit and Credit Cards and Automated Teller Machines (ATMs). Based on Technology, the market is segmented into Online Banking, Mobile Banking, Branch Banking and ATM Banking. Based on region, the market is segmented into North America, Europe, Asia Pacific, Latin America and Middle East & Africa.

Driver of the Retail Banking Market

The retail banking sector is poised for significant growth, driven by its ability to provide credit to individuals more swiftly than traditional banks. This rapid response to customer needs not only enhances accessibility but also fosters greater customer satisfaction. Moreover, retail banks are increasingly prioritizing customer connectivity and investing in advanced monitoring capabilities, which further strengthens their relationships with clients. By improving the overall banking experience and ensuring quick access to financial services, retail banks are positioning themselves to capitalize on evolving consumer demands, thereby propelling the entire market forward in the competitive banking landscape.

Restraints in the Retail Banking Market

The retail banking market is facing significant constraints due to escalating loan losses, as individuals default on their repayments. This situation poses a serious threat to the market's overall growth and stability. Furthermore, the strict regulations enforced within the banking industry add another layer of complexity, leading to various challenges for retail banking institutions. These factors combined create an environment that hinders the sector's ability to thrive and adapt to changing economic conditions, ultimately impacting the services provided to consumers and the overall financial landscape. The interplay of these challenges calls for strategic responses to mitigate their effects.

Market Trends of the Retail Banking Market

The retail banking market is experiencing a transformative shift driven by the integration of artificial intelligence (AI), robotic process automation (RPA), Robo-advisors, and advanced digital identification technologies. These innovations enhance customer experience through personalized services and streamlined operations, enabling banks to offer more efficient and user-friendly platforms. AI and RPA optimize back-office functions, significantly reducing operational costs while improving accuracy. Meanwhile, Robo-advisors democratize investment advice, making it accessible to a broader demographic. The increased focus on digital identity solutions enhances security and compliance, thus fostering consumer trust. Collectively, these trends are reshaping the landscape of retail banking, highlighting the imperative for technological adoption.

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
• Regulatory Landscape
• Patent Analysis

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

• Market Overview
• Public Sector Banks
• Private Sector Banks
• Foreign Banks
• Community Development Banks
• Non-Banking Financial Companies (NBFCs)

Global Retail Banking Market Size by Service & CAGR (2025-2032)

• Market Overview
• Saving and Checking Accounts
• Transactional Accounts
• Personal Loans
• Home Loans
• Mortgages
• Debit and Credit Cards
• Automated Teller Machines (ATMs)

Global Retail Banking Market Size by Technology & CAGR (2025-2032)

• Market Overview
• Online Banking
• Mobile Banking
• Branch Banking
• ATM Banking

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

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

• JPMorgan Chase & Co. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Bank of America (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Wells Fargo & Co. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Citigroup Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• HSBC Holdings plc (UK)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• TD Bank Group (Canada)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• PNC Financial Services Group, Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• U.S. Bancorp (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Capital One Financial Corporation (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Royal Bank of Canada (Canada)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Barclays PLC (UK)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Lloyds Banking Group (UK)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• BNP Paribas (France)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Societe Generale (France)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Banco Santander (Spain)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• ING Group (Netherlands)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• UBS Group AG (Switzerland)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Deutsche Bank AG (Germany)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Industrial and Commercial Bank of China (ICBC) (China)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments

Conclusion & Recommendations