オープンバンキングの世界市場・2023年の動向

オープンバンキングの導入・開発では英国がリードしていますが、ドイツ、フランス、スウェーデン、オランダといった国でも進展が見られます。特にドイツでは、強力なオープンバンキングのエコシステムを開発するための基礎が築かれており、2022年6月の時点で同国は自国規制の第三者プロバイダーの数が2番目に多くなっています。

アジア太平洋地域は、2021年時点でオープンバンキングのプラットフォームや製品の数が欧州に次いで多い地域となっています。同地域におけるオープンバンキングの成長は、消費者が自分のデータを共有することに積極的であることに起因しています。同地域では、オーストラリア、香港、シンガポールなどの国が、オープンバンキングの早期導入国となっています。

当レポートでは、世界のオープンバンキングの市場を調査し、世界、地域、主要国における発展の動向、市場規模の推移・予測などをまとめています。

目次

第1章 マネジメントサマリー

第2章 世界市場

• オープンバンキングの動向・発展の概要
• オープンバンキングの市場規模：実績・予測
• オープンバンキングによって促進される世界の決済額：：実績・予測
• オープンバンキング製品およびプラットフォーム数：地域別
• API製品の年間成長率：地域別
• 中小企業に焦点を当てた銀行・金融APIを事業とするフィンテックのシェア
• 銀行・金融APIのフィンテック製品のうち、金融包摂の課題解決に利用できると考えられる製品のシェア
• API製品のカテゴリー別構成比
• 自社APIの記述のためにOpen API仕様の標準を使用している銀行のシェア
• オープンバンキングを自組織に「必須」と考える金融機関のシェア
• オープンバンキングがもっとも大きな影響を与えると考えられる主な分野
• オープンバンキングの導入によるお主な影響
• API導入後の主なマネタイズ戦略
• オープンバンキングサービス事業者の概要：提供サービスなど

第3章 欧州

• 地域動向
• 英国
• ドイツ
• ロシア

第4章 アジア太平洋

• 地域動向
• インド
• 韓国
• オーストラリア

第5章 北米

• 米国
• 米国・カナダ
• カナダ

第6章 ラテンアメリカ

• 地域動向
• メキシコ
• ブラジル

第7章 中東・アフリカ

• 地域動向

"The open banking market is forecast to see a spurt in growth, with regulators worldwide implementing the concept on a large scale": new yStats.com report.

After the UK, Germany occupies a dominant position in the open banking market

Although the UK is the leader in open banking implementation and development, other countries such as Germany, France, Sweden, and the Netherlands are also making progress. Especially in Germany, the foundation has been laid to develop a strong open banking ecosystem, with the country having the second-highest number of home-regulated third-party providers as of June 2022, as mentioned in the new yStats.com report. Moreover, the number of passporting third-party providers in Germany reached a triple-digit count during the same period. As of 2021, a majority of the third-party providers in Germany offered both account information and payment initiation service, with this share being higher compared to the entire EEA region. Furthermore, the share of countries in the EEA that are approved to provide third-party services in Germany also saw a slight increase from 2019 to 2021. The number of third-party providers in Germany reached a triple-digit value as of June 2022, thereby reducing the gap between the EEA and Germany. More than three-quarters of countries in the EEA have the authority to provide third-party services in Germany, with Lithuania at the top of the list, followed by France and the Netherlands. One challenge that remains is providing stable and standard APIs.

Unlike its European counterparts, open banking in Asia-Pacific is mainly market driven, with Australia being the exception

After Europe, Asia-Pacific is the region with the highest number of open banking platforms and products as of 2021. The growth of open banking in the region is due to consumers' willingness to share their data, as outlined in the new yStats.com report. In Asia-Pacific, countries such as Australia, Hong Kong, and Singapore are some of the early adopters of open banking. In 2022, Australia aims to implement consumer data rights for the energy sector that will ensure further growth of open banking in the country. Singapore has robust and dynamic legislation in place for the development of open banking. New Zealand also plans to launch a similar consumer data rights initiative like in Australia by the end of 2022. Moreover, countries such as Indonesia and the Philippines are also making progress in the development of open banking initiatives.

Table of Contents

1. Management Summary

2. Global

• Overview of Trends And Development in Open Banking, September 2022 (1 of 2)
• Overview of Trends And Development in Open Banking, September 2022 (2 of 2)
• Open Banking Market Size, in USD billion, 2022 & 2026f
• Value of Global Payments Facilitated by Open Banking, in USD billion, 2021 & 2026f
• Number of Open Banking Products and Platforms, by Regions, Q2 2022
• Annual Growth of API Products, by Regions, in %, Q4 2021
• Share of Fintechs Built on Banking & Finance APIs That Focus on SMEs, in %, Q3 2022
• Share of Fintech Products Built on Banking & Finance APIs That Would be Used For Addressing Issues of Financial Inclusion, in %, Q3 2022
• Breakdown of APIs, by Category, in % of Total API Products, March 2022
• Share of Banks That Are Using Open API Specification Standard to Describe Their API, in %, Q1 2022
• Share of Financial Institutions That Regard Open Banking as a "Must Have" for Their Organization, in %, 2021 vs 2022
• Top Areas Where Open Banking Will Have the Largest Impact, in % of Financial Professionals, 2021 vs 2022
• Top Impact Due to the Introduction of Open Banking, in % of Financial Institutions, September 2022
• Top Monetization Strategies After the Introduction of APIs, in % of Banks, 2021e
• Overview of Open Banking Service Providers incl. Description of Services Provided, September 2022

3. Europe

• 3.1. Regional
  • Country Ranking by Open Banking Ecosystem Development, September 2022
  • Overview of The Open Banking System, by Country, incl. Improvements, September 2022 (1 of 3)
  • Overview of The Open Banking System, by Country, incl. Improvements, September 2022 (2 of 3)
  • Overview of The Open Banking System, by Country, incl. Improvements, September 2022 (3 of 3)
  • Share of Financial Executives Who Had a Positive Attitude Towards Open Banking, in %, 2019 vs 2021
  • Share of Financial Executives Who Believe Open Banking is a Revolution of The Banking Industry, in %, 2021
  • Share of Financial Executives Who Already Invested or Plan to Invest in Open Banking in the Next 12 Months, in %, March 2022
  • Share of Financial Executives Who Indicated That Their Level of Investment Increased as a Result of The Pandemic, in %, March 2022
  • Share of Financial Executives Who Indicated Payment Initiation Services (PIS) to Be The Most Important Open Banking Use Case to Invest in For Their Business, in %, March 2022
  • Top Benefits of The Payment Initiation Services, in % of Financial Executives, March 2022
  • Top Drivers For The Adoption of Payment Initiation Services (PIS), in % of Financial Executives, March 2022
  • Top Barriers to The Adoption of Payment Initiation Services (PIS), in % of Financial Executives, March 2022
  • Attitudes Towards User Awareness in Introduction of PIS, by Country, in % of Financial Executives, March 2022
  • Number of Third-Party Providers, January 2020, March 2020, June 2020, September 2020, December 2020, March 2021, June 2021, September 2021, December 2021, March 2022f
  • Areas Planned to Use Open Banking, in % of Financial Executives, March 2022
• 3.2. UK
  • Overview of The Open Banking Developments, September 2022
  • Number of Live-to-Market Open Banking Enabled Services, by Principal Outcome Area, March 2021, September 2021 & March 2022
  • Number of Live-to-Market Open Banking Enabled Products and Services, by Customer Type, March 2021, September 2021, & March 2022
  • Number of Live-to-Market Open Banking Enabled Products and Services, by route to Market, March 2021, September 2021, & March 2022
  • Share of Account Information Service (AIS) And Payment Initiation Service (PIS) Users, by User Type, in %, March 2022
  • Number of Successful Open Banking Payments, in millions, March 2021, September 2021 & March 2022
  • Number of Active Open Banking Users, in millions, November 2019, September 2020, September 2021 & January 2022
  • Breakdown of Awareness Regarding Open Banking Among Businesses and Consumers, in % of Respondents, 2022e
• 3.3. Germany
  • Overview of The Open Banking System, September 2022
  • Share of Third-Party Providers (TPPs) Offering Different Services, by Type of Services, 2021
  • Share of EEA Third-Party Providers Approved to Provide Services in Germany, in %, September 2019 vs June 2022
  • Total Number of TPPs, September 2019, September 2021 & June 2022
  • Share of EEA Countries That Are Authorized to Provide Third-Party Provider Services, in %, June 2022
  • Number of TPPs Passporting into Germany, by Countries, June 2022
• 3.4. Russia
  • Overview of The Open Banking System, September 2022

4. Asia-Pacific

• 4.1. Regional
  • Overview of The Open Banking System, September 2022
  • Breakdown of Top Bank API Products, by Category, in % of Total API Products, Q2 2022
  • Breakdown of Fintechs in Open Banking and Open Finance Creating Products to Reduce Financial Exclusion, by Region, in %, Q2 2022
• 4.2. India
  • Share of Businesses of Banks That Would be Carried Out Through Embedded Finance Model Operated by Open Banking, in %, 2027f
  • Share of Consumers Who Are Open to Sharing Data on Account Aggregator Platforms, in %, 2021
• 4.3. South Korea
  • Overview of The Open Banking System, September 2022
  • Settlement Volume by Payment System, incl. "Open Banking System", 2019-2021 (1 of 2)
  • Settlement Volume by Payment System, incl. "Open Banking System", 2019-2021 (2 of 2)
  • Settlement Value by Payment System, incl. "Open Banking System", in KRW billions, 2019-2021 (1 of 2)
  • Settlement Value by Payment System, incl. "Open Banking System", in KRW billions, 2019-2021 (2 of 2)
• 4.4. Australia
  • Share of Respondents Who See Open Banking Based Products and Services As Useful, in %, 2022e
  • Share of Respondents Willing to Engage in Open Banking, in %, 2022e
  • Top Concerns Individuals Have While Sharing Their Financial Information, in % of Individuals, 2022e

5. North America

• 5.1. USA
  • Share of Financial Institutions That Regard Open Banking as a "Must Have" for Their Organization, in %, 2021 vs 2022
  • Breakdown of Open Banking Strategies Among Banks, by Year, in % of Bank executives, 2021 vs 2022e
  • Share of Financial Institutions That Believe Shared Data Infrastructure Will Become a Key Strategy for Open Banking and Open Finance, in %, 2021 vs 2022
  • Share of Banks That Have Already Deployed or Plan to Deploy the Following Technologies, in %, 2021 vs 2022
  • Share of Credit Unions That Have Already Deployed or Plan to Deploy the Following Technologies, in %, 2021 vs 2022
• 5.2. USA & Canada
  • Breakdown of Top Bank API Products, by Category, in % of Total API Products, Q2 2022
• 5.3. Canada
  • Top Factors That Drive Customers to Share Data With Financial Institutions, in % of Retail Banking Respondents, 2021
  • Share of Small and Medium Businesses That Are Willing to Share Their Data Without Concerns About Security, in %, 2021

6. Latin America

• 6.1. Regional
  • Breakdown of Top Bank API Products, by Category, in % of Total API Products, Q2 2022
  • Value of Fintech Sector Investments, in USD billion, 2020 & Q1-Q3 2021
  • Share of Fintechs, by Country, in % of Total Fintechs, 2021
• 6.2. Mexico
  • Top Opportunities For Developing Open Banking Services, in % of Companies, 2021
  • Overview of The Open Banking Developments, September 2022
• 6.3. Brazil
  • Overview of The Open Banking Developments, September 2022

7. Middle East & Africa

• 7.1. Regional
  • Overview of The Open Banking System, September 2022