出版：Juniper Research（ジュニパーリサーチ） 出版年月：2022年9月
Banking-as-a-Service: Segment Analysis, Competitor Leaderboard & Market Forecasts 2022-2027
BaaS：セグメント分析、競合スコアボード、市場予測 2022-2027年
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レポート目次 お問合せ・ご注文 価格・納期について
Juniper Research（ジュニパーリサーチ）は「BaaS：セグメント分析、競合スコアボード、市場予測 2022-2027年 – Banking-as-a-Service: Segment Analysis, Competitor Leaderboard & Market Forecasts 2022-2027」のプレスリリースにおいて、BaaSのプラットフォーム収益は2027年までに380億ドル超になるとの予測を発表しました。
Juniper Research（ジュニパーリサーチ）「BaaS：セグメント分析、競合スコアボード、市場予測 2022-2027年 – Banking-as-a-Service: Segment Analysis, Competitor Leaderboard & Market Forecasts 2022-2027」は多様なBaaS (Banking-as-a-Service)のユースケースと用途を調査し、増加傾向にあるデジタルバンキングと組込型金融（エンベデッドファイナンス）利用の影響についても解説・分析しています。またJuniper Research競合スコアボードにおいてaaSベンダ15社の詳細な評価も行っています。
さらにこのレポートでは下記カテゴリ毎および主要8地域60地域のBaaSの利用状況と利用額の予測結果も提供します。
- 当座預金口座
- カード発行
- ウェルス・マネジメントと貯金
- プリペイドカード
- 法人口座
主な掲載内容
- 市場ダイナミクス
- セグメント分析：BaaS戦略の採用セグメントを分析
- Juniper Researchの競合スコアボード：主要プレイヤ 15社の特性と能力評価
- 11:FS Foundry
- Bankable
- BBVA
- ClearBank
- Column
- Credi2
- Fidor Bank
- Green Dot
- Marqeta
- MatchMove Pay Pte
- Railsr
- Solaris
- Starling Bank
- The Bancorp Bank
- Treezor
- 産業予測：BaaS関連の当座預金口座、カード発行、ウェルスマネジメント＆貯金、プリペイドカード、法人口座について、下記8地域60ヶ国の5年予測
- 北米：カナダ、米国
- ラテンアメリカ：アルゼンチン、ブラジル、チリ、コロンビア、エクアドル、メキシコ、ペルー、ウルグアイ
- 西欧：オーストリア、ベルギー、デンマーク、フィンランド、フランス、ドイツ、ギリシャ、アイルランド、イタリア、オランダ、ノルウェー、ポルトガル、スペイン、スウェーデン、スイス、英国
- 中東欧：クロアチア、チェコ共和国、ハンガリー、ポーランド、ルーマニア、ロシア、トルコ、ウクライナ
- 極東と中国：中国、香港、日本、韓国
- インド亜大陸：バングラデシュ、インド、ネパール、パキスタン
- その他のアジア太平洋地域：オーストラリア、インドネシア、マレーシア、ニュージーランド、フィリピン、シンガポール、タイ、ベトナム
- アフリカ＆中東：アルジェリア、エジプト、イスラエル、ケニア、クウェート、ナイジェリア、カタール、サウジアラビア、南アフリカ、アラブ首長国連邦
当レポートは下記疑問への回答につながる情報を提供しています。
- 2027年までのBaaSの総取引額予測は？
- BaaS産業の成長を促進する動向とは？
- アプリ内購入とデジタルPOS端末はBaaSの需要にどのような影響を与えたか？
- 多様な産業でBaaSはどのように利用されているか？また、もっとも利益を多く得ている産業はどこか？
- BaaS市場における最新の主要企業はどこか？また、どのようにうまく活用しているか？
Report Overview
Juniper Research’s Banking-as-a-Service research report provides detailed analysis of this rapidly developing market. This includes an assessment of the various use cases and applications of BaaS (Banking-as-a-Service) within a range of markets, as well as the ongoing impact of increased digital banking and embedded finance usage. Additionally, the report includes an in-depth evaluation of 15 BaaS vendors via a Juniper Research Competitor Leaderboard.
The research also provides industry benchmark forecasts for the market; covering BaaS usage and spend, split by the following categories, as well as by our 8 key regions and 60 countries:
- Current Accounts
- Card Issuing
- Wealth Management & Savings
- Prepaid Cards
- Business Accounts
This research suite comprises:
- Strategy & Forecasts (PDF)
- 5-year Market Sizing & Forecast Spreadsheet (Excel)
- 12 Months’ Access to harvest Online Data Platform
| Key Market Statistics |
| Market size in 2022: | $11bn |
| Market size in 2027: | $38bn |
| 2022 to 2027 CAGR: | 240% |
KEY FEATURES
- Market Dynamics: In-depth assessment of the key trends and challenges currently facing the BaaS market; focusing on the applications of BaaS, increasing use of digital banking and monetisation opportunities for BaaS providers.
- Segment Analysis: Analysis of important segments which are adopting BaaS strategies, including:
- Small/Medium Enterprises
- Large Enterprises
- Fintechs
- Banks
- Consumers
- Juniper Research Competitor Leaderboard: Key player capability and capacity assessment for 15 vendors, including:
- 11:FS Foundry
- Bankable
- BBVA
- ClearBank
- Column
- Credi2
- Fidor Bank
- Green Dot
- Marqeta
- MatchMove Pay Pte
- Railsr
- Solaris
- Starling Bank
- The Bancorp Bank
- Treezor
- Benchmark Industry Forecasts: 5-year forecasts for 5 closely interlinked areas within BaaS, including current accounts, card issuing, wealth management & savings, prepaid cards and business accounts, split by our 8 key regions and the 60 countries listed below:
- North America:
- Latin America:
- Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Peru, Uruguay
- West Europe:
- Austria, Belgium, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, UK
- Central & East Europe:
- Croatia, Czech Republic, Hungary, Poland, Romania, Russia, Turkey, Ukraine
- Far East & China:
- China, Hong Kong, Japan, South Korea
- Indian Subcontinent:
- Bangladesh, India, Nepal, Pakistan
- Rest of Asia Pacific:
- Australia, Indonesia, Malaysia, New Zealand, Philippines, Singapore, Thailand, Vietnam
- Africa & Middle East
- Algeria, Egypt, Israel, Kenya, Kuwait, Nigeria, Qatar, Saudi Arabia, South Africa, United Arab Emirates
KEY QUESTIONS ANSWERED
- What will the BaaS projected total transaction value be by 2027?
- What trends are driving the growth of the BaaS industry?
- How have in-app purchasing and digital POS terminals affected BaaS demand?
- How is BaaS being used within different industries? And which are the most profitable?
- Who are the current leading vendors within the BaaS market? What are they doing successfully?
COMPANIES REFERENCED
Case Studied: Treasury Prime.
Included in the Juniper Research Competitor Leaderboard: Bankable, The Bancorp Bank
BBVA, ClearBank, Column, Credi2, Fidor Bank, Green Dot, Marqeta, MatchMove Pay Pte., Railsr, Solaris, Starling Bank, Treezor, 11:FS Foundry.
Mentioned: AAZZUR, Aion Bank, Amazon, American Express, Apple, Arroweye Solutions, Capital, Churchill, CNP, Contis, Current, CyberSmart, Deutsche Bank, Digital Risk, Direct Line Group, Discover, Federal Deposit Insurance Corporation, Finleap, Goldman Sachs, Google, Intuit, Klarna, Mastercard, Maxi-Cash, Paysafe, PEXA, Plaid, QNTMPAY, Raiffeisen Bank International, Railsbank, Retreeb, Samsung, Sella, SumUp, Tap, Tappy Technologies, Totalenergies, Uber, UnionPay, Visa, Vodeno, Volkswagen Group, Walmart, Western Union, Xero, Ziglu, Zwipe.
DATA & INTERACTIVE FORECAST
Juniper Research’s Banking-as-a-Service forecast suite includes:
- Regional splits for our 8 key forecast regions, as well as 60 country-level data splits for:
- North America:
- Latin America:
- Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Peru, Uruguay.
- West Europe:
- Austria, Belgium, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, UK.
- Central & East Europe:
- Croatia, Czech Republic, Hungary, Poland, Romania, Russia, Turkey, Ukraine.
- Far East & China:
- China, Hong Kong, Japan, South Korea.
- Indian Subcontinent:
- Bangladesh, India, Nepal, Pakistan.
- Rest of Asia Pacific:
- Australia, Indonesia, Malaysia, New Zealand, Philippines, Singapore, Thailand, Vietnam.
- Africa & Middle East:
- Algeria, Egypt, Israel, Kenya, Kuwait, Nigeria, Qatar, Saudi Arabia, South Africa, United Arab Emirates.
- The BaaS forecast includes platform users, fee value and platform revenue split by service.
- Interactive scenario tool allowing users to manipulate Juniper Research’s data for 5 different metrics.
- Access to the full set of forecast data of more than 83 tables and nearly 38,000 datapoints.
Juniper Research’s highly granular IFxls (interactive Excels) enable clients to manipulate our forecast data and charts to test their own assumptions, by using the interactive scenario tool, and compare select markets side by side in customised charts and tables. IFxls greatly increase clients’ ability to both understand a particular market and to integrate their own views into the model.
FORECAST SUMMARY
Segment splits for:
- Current Accounts
- Card Issuing
- Wealth Management & Savings
- Prepaid Cards
- Business Accounts
Geographical splits: 60 countries
Number of tables: 83 tables
Number of datapoints: Nearly 38,000 datapoints
Harvest: Our online data platform, harvest, contains the very latest market data and is updated throughout the year. This is a fully featured platform; enabling clients to better understand key data trends and manipulate charts and tables, overlaying different forecasts within the one chart – using the comparison tool. Empower your business with our market intelligence centre, and get alerted whenever your data is updated.
Interactive Excels (IFxl): Our IFxl tool enables clients to manipulate both forecast data and charts, within an Excel environment, to test their own assumptions using the interactive scenario tool and compare select markets side by side in customised charts and tables. IFxls greatly increase a clients’ ability to both understand a particular market and to integrate their own views into the model.
レポート構成＆価格表
| - 市場動向・戦略・予測レポート（PDF）
Market trends, strategies and forecasts report (pdf) - 市場データ＆予測（Excel）
Market data & forecasts – All topic data and interactivity (xls) - 最新データへの12ヶ月アクセス
harvest market data platform (12 months’ online access)
| GBP 2,990 |
| |
[プレスリリース]
TOTAL BANKING-AS-A-SERVICE PLATFORM REVENUE TO REACH OVER $38 BILLION GLOBALLY BY 2027, AS BRANDS RACE TO LEVERAGE UPSELL OPPORTUNITIES
Hampshire, UK – 26th September 2022: A new study from Juniper Research has found that the total BaaS (Banking-as-a-Service) platform revenue will exceed $38 billion by 2027; rising from $11 billion in 2022. The rapid growth of 240% will be driven by BaaS’ ability to deepen relationships between brands and their customers by providing a user-friendly banking and payments experience.
BaaS enables non-banking companies to offer their customers financial services without owning a banking licence or infrastructure. This allows brands to generate new revenue without using time and resources to generate new capabilities in house.
To find out more, see the new report: Banking-as-a-Service: Segment Analysis, Competitor Leaderboard & Market Forecasts 2022-2027
Download the free whitepaper: The Rise of BaaS (Banking-as-a-Service)
Sector Leaders
The research assessed the top 15 BaaS vendors within the global market and ranked the top 3 vendors as follows:
Green Dot
Marqeta
Solaris
Juniper Research evaluated each vendor based on the same criteria, which included distribution and partnerships, breadth of offering and future business prospects in BaaS. The research found that Green Dot leads the BaaS market largely due to its strong partnerships; specifically with large retailers such as Apple and Walmart. Additionally, it highlights Green Dot’s impressive array of banking and payments solutions, including card issuance, custom rewards and payroll services.
Marqeta also ranks well due to its impressive international presence; being able to leverage a competitive position when onboarding multinational customers. Similarly to Green Dot, Solaris’ success stems from its large volume of partnerships that have been achieved through its established brand, coupled with the ease of integration and technological support offered with all its services.
Research author Dominique Tetnowski explained: “As digital banking is becoming increasingly advanced, pressure is on fintechs to innovate their BaaS capabilities to exceed user expectations. Offering a solutions portfolio in BaaS that has all the capabilities needed to offer banking services means that enterprises can focus on delivering a superior user experience, which is critical in an increasingly competitive banking environment.”
Juniper Research provides research and analytical services to the global hi-tech communications sector; providing consultancy, analyst reports, and industry commentary.
目次
Contents
1. Banking as a Service – Key Takeaways & Strategic Recommendations
1.1 Key Takeaways ………….5
1.2 Strategic Recommendations ……….6
2. Banking-as-a-Service – Market Landscape
2.1 Introduction…………..82.1.1 Definitions & Scope……….8
2.1.2 Functionalities of BaaS …………8
Figure 2.1: How BaaS Works …………8
Figure 2.2: How APIs Work ………..8
2.2 Current Market Landscape………….9
2.2.1 BaaS versus BaaP………….9
Figure 2.3: BaaS versus BaaP ……….9
2.2.2 BaaS & Open Banking……….9
Figure 2.4: How Open Banking Works ……… 10
2.2.3 BaaS Applications: Effective Use cases……..11
2.3 Current Trends……………11
2.3.1 Increase in Digital Payments………11
Figure 2.5: Smartphone Penetration in 2021 (%), Split by the Top 25 Countries 12
2.3.2 Embedded Finance: Superapps……..13
2.4 Future Outlook……………14
2.4.1 BaaS for BNPL & POS Financing ………..14
2.4.2 B2B BaaS ………….14
2.4.3 Monetisation Opportunities ………14
3. Banking-as-a-Service –Segment Analysis
3.1 Introduction…………… 18
3.1.1 Small/Medium Enterprises ……….. 18
3.1.2 Large Enterprises……….. 18
3.1.3 Fintechs…………… 19
3.1.4 Banks…………… 19
3.1.5 Consumers …………. 20
4. Banking-as-a-Service – Competitor Leaderboard
4.1 Why Read This Report ………. 22
Table 4.1: Juniper Research Competitor Leaderboard: BaaS Vendors …..23
Figure 4.2: Juniper Research Competitor Leaderboard: BaaS Vendors ….24
Table 4.3: Juniper Research Competitor Leaderboard: BaaS Vendors & Positioning ……………24
Table 4.4: Juniper Research Competitor Leaderboard Heatmap: BaaS Vendors 25
4.2 Vendor Profiles………….. 26
4.2.1 11:FS Foundry…………. 26
i. Corporate………….. 26
ii. Geographic Spread …………. 26
iii. Key Clients & Strategic Partnerships ……. 26
iv. High-level View of Offerings………. 26
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities ………….. 26
4.2.2 Bankable …………. 27
i. Corporate………….. 27
ii. Geographic Spread …………. 27
iii. Key Clients & Strategic Partnerships ……. 27
iv. High-level View of Offerings………. 27
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities……………28
4.2.3 BBVA …………28
i. Corporate …………..28
ii. Geographic Spread……….28
iii. Key Clients & Strategic Partnerships ……..28
iv. High-level View of Offerings ……….28
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities……………29
4.2.4 ClearBank…………29
i. Corporate …………..29
ii. Geographic Spread……….29
iii. Key Clients & Strategic Partnerships ……..29
iv. High-level View of Offerings ……….30
v. Juniper Research’s View: Key Strengths & Strategic Development
Opportunities……………30
4.2.5 Column …………30
i. Corporate …………..30
ii. Geographic Spread……….30
iii. Key Clients & Strategic Partnerships ……..30
iv. High-level View of Offerings ……….31
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities……………31
4.2.6 Credi2 …………..31
i. Corporate …………..31
ii. Geographic Spread……….32
iii. Key Clients & Strategic Partnerships ……..32
iv. High-level View of Offerings ……….32
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities……………32
4.2.7 Fidor Bank ……………33
i. Corporate………….. 33
ii. Geographic Spread …………. 33
iii. Key Clients & Strategic Partnerships ……. 33
iv. High-level View of Offerings………. 33
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities ………….. 33
4.2.8 Green Dot …………… 33
i. Corporate………….. 33
ii. Geographic Spread …………. 34
iii. Key Clients & Strategic Partnerships ……. 34
iv. High-level View of Offerings………. 34
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities ………….. 34
4.2.9 Marqeta…………… 35
i. Corporate………….. 35
ii. Geographic Spread …………. 35
iii. Key Clients & Strategic Partnerships ……. 35
iv. High-level View of Offerings………. 35
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities ………….. 35
4.2.10 MatchMove Pay Pte…………. 36
i. Corporate………….. 36
ii. Geographic Spread …………. 36
iii. Key Clients & Strategic Partnerships ……. 36
iv. High-level View of Offerings………. 36
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities ………….. 37
4.2.11 Railsr………….. 37
i. Corporate………….. 37
ii. Geographic Spread …………. 37
iii. Key Clients & Strategic Partnerships ……. 37
iv. High-level View of Offerings ……….37
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities……………38
4.2.12 Solaris …………38
i. Corporate …………..38
ii. Geographic Spread……….38
iii. Key Clients & Strategic Partnerships ……..38
iv. High-level View of Offerings ……….38
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities……………39
4.2.13 Starling Bank………….39
i. Corporate …………..39
ii. Geographic Spread……….40
iii. Key Clients & Strategic Partnerships ……..40
iv. High-level View of Offerings ……….40
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities……………40
4.2.14 The Bancorp Bank…………40
i. Corporate …………..40
ii. Geographic Spread……….41
iii. Key Clients & Strategic Partnerships ……..41
iv. High-level View of Offerings ……….41
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities……………41
4.2.15 Treezor …………..41
i. Corporate …………..41
ii. Geographic Spread……….42
iii. Key Clients & Strategic Partnerships ……..42
iv. High-level View of Offerings ……….42
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities……………43
4.3 Vendor Analysis & Juniper Research Leaderboard ……. 44
4.3.1 Limitations & Interpretations ……….. 44
Table 4.5: Juniper Research Competitor Leaderboard Heatmap Scoring Criteria: BaaS ……………..45
5. Banking-as-a-Service – Market Forecasts
5.1 Introduction…………… 47
5.2 Methodology & Assumptions ………. 47
Figure 5.1: BaaS Forecast Methodology, Current Accounts …….48
Figure 5.2: BaaS Forecast Methodology, Card Issuing……..49
Figure 5.3: BaaS Forecast Methodology, Wealth Management & Savings …50
Figure 5.4: BaaS Forecast Methodology, Prepaid Cards………51
Figure 5.5: BaaS Forecast Methodology, Business Accounts……52
5.3 BaaS Forecasts…………… 53
5.3.1 Total BaaS Consumer Users ……… 53
Figure & Table 5.6: Total Number of B2C BaaS Users (m), Split by 8 Key Regions, 2022-2027…………….53
5.3.2 Total BaaS Consumer Transaction Volume …….. 54
Figure & Table 5.7: Total BaaS Consumer Current/Checking Account Transaction Volume (m), Split by 8 Key Regions, 2022-2027…….54
5.3.3 Total BaaS Business Transaction Volume……. 55
Figure & Table 5.8: Total BaaS Business Account Transaction Volume (m), Split by 8 Key Regions, 2022-2027………….55
5.3.4 Total BaaS Platform Revenue……….. 56
Figure & Table 5.9: Total BaaS Platform Revenue ($m), Split by 8 Key Regions, 2022-2027…………….56
Table 5.10: Total BaaS Platform Revenue ($m), Split by Service, 2022-2027…56