オープンバンキング：機会、競合スコアボード、市場予測　2023-2027年

Report Overview

Juniper Research’s latest Open Banking research provides a detailed analysis of this evolving market in the financial services industry. The banking market report analyses key drivers of the market, such as increasing regulatory involvement, rising consumer awareness, and the ongoing cost-of-living crisis driving the use of services, such as personal financial management. Furthermore, the report focuses on key factors relating to how Open Banking can be used to serve businesses, especially SMEs (Small and Medium Enterprises). Additionally, the research includes an extensive evaluation of 18 Open Banking vendors via the Juniper Research Competitor Leaderboard.

The banking market segmentation research report covers current market opportunities, key recommendations and future prospects. The banking market trends research also includes a comprehensive dataset for key Open Banking metrics, featuring the total number of Open Banking API calls, the number of Open Banking payment transactions, and the total value of Open Banking payments. This bank channels market analysis report is split by the following market segments:

• Consumer Use Cases
  • Consumer Payments
    • eCommerce
    • Bill Payments
  • Underwriting Services
  • Other Consumer Services
• Business Use Cases

This research suite comprises:

• Market Trends & Strategies (PDF)
• Competitor Leaderboard (PDF)
• Data & Forecasts (PDF & Excel)
• 12 Months’ Access to harvest Online Data Platform

KEY FEATURES

• Market Dynamics: Insights into key trends and market expansion challenges within the Open Banking market; addressing challenges posed by the highly technical nature of Open Banking and ongoing consumer fears regarding security, the potential benefits of increasing regulatory involvement, and analysing the many Open Banking use cases. The banking market share research also includes a regional market growth analysis on the current development and segment growth of the Open Banking market in 19 countries, as well as providing a future outlook.
• Key Takeaways & Strategic Recommendations: In-depth analysis of key development opportunities and key findings within the Open Banking market, accompanied by key strategic recommendations for stakeholders.
• Benchmark Industry Forecasts: The business overview into financial service providers includes forecasts for total revenue for Open Banking, split by consumer vs business use cases. This banking services industry growth data is further split by our 8 key forecast regions and 60 countries:
  • North America:
    • Canada, US
  • 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.
• Juniper Research Competitor Leaderboard: Key player capability and capacity assessment for 18 Open Banking vendors, via the Juniper Research Competitor Leaderboard, featuring banking market size for major players in the banking industry:
  • Avaloq
  • Bud Financial
  • Fabrick
  • Mastercard
  • MX
  • Ndigit
  • Nordigen
  • OpenPayd
  • Plaid
  • Salt Edge
  • TESOBE
  • Tink
  • Token
  • True Layer
  • Trustly
  • Volt
  • Worldline
  • Yapily

KEY QUESTIONS ANSWERED

1. What is the state of the Open Banking market?
2. What are the challenges facing the Open Banking market?
3. Which countries show the greatest adoption of Open Banking?
4. Who are the largest vendors operating in the Open Banking market?
5. What will the total value of the Open Banking market be between 2023 and 2027?

DATA & INTERACTIVE FORECAST

Juniper Research’s Open Banking forecast suite includes:

Data Splits for:

• Consumer Open Banking
  • Consumer Payments
    • eCommerce
    • Bill Payments
• Underwriting Services
• Other Consumer Services
  • Business Open Banking

Metrics include total value of Open Banking payments, based on payment use cases, as well as the total number of Open Banking API calls split by each of the aforementioned use cases.
Geographical splits: 60 countries
Number of tables: Over 50 tables
Number of datapoints: Over 22,000 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 receive alerts 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 selected markets side by side in customised charts and tables. IFxls greatly increase a client’s 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

COMPANIES REFERENCED

Interviewed: Mastercard, Nordigen, Tink, Token, Trustly, Worldline, Yapily.

Case Studied: Konsentus, Plend.

Included in the Juniper Research Competitor Leaderboard: Avaloq, Bud Financial, Fabrick, Mastercard, MX, ndigit, Nordigen, OpenPayd, Plaid, Salt Edge, TESOBE, Tink, Token, TrueLayer, Trustly, Volt, Worldline, Yapily.

Mentioned: 9YC, Aberdeen Standard Investments, Addition, Adyen, Affinity, Agricultural Bank of China, Aiia, Algoan, Alibaba, AltaBank, Altimeter Capital, American Express, American Express Ventures, Andreessen Horowitz, Anna, Anthemis Group, ANZ, Australian Payments Network, Avanza, Azimo, Banco BNI Europa, Bankart, Barclays, BBVA, Betterment, Betway, BlackRock Private Equity Partners, Blend, BNP Paribas, Cambr, Capital on Tap, CapitalG, Capnamic Ventures, Cazoo, Charles Schwab, Citi, Citizens Bank, Cleo, Coconut, Connect Ventures, Crédit du Norde, Credit Hero, Credit Karma, Credit Ladder, Curve, Cuscal, Dave, DBS, DCU Fintech Innovation Centre, Dell, Dieter von Holtzbrinck Ventures, Digital Garage, Dots, dozens, Dwolla, Ecolytiq, Ecospend, Ekata, EllieMae, Equens, eToro, Eurobits Technologies, Experian, Fattura24, ferratum, Finastra, Finicity, Fintech Sandbox, FiVision, Formfree, Freetrade, Go Compare, GoFundMe, Goldman Sachs, Greycroft, Groupon, Halifax, HeyTrade, HSBC, HV Capital, Hypothekarbank Lenzburg, IBM, iDeal, IDnow, IFC (International Finance Corporation), illimity, Index Ventures, Inform, Instantor, Intuit Quickbooks, Investment Corporation of Dubai, IPF Digital, JPMorgan Chase, Kleiner Perkins, La Banque Postal, Lemonway, LEVEL, LHV, Lloyds, Lyft, Mambu, Mantl, Market Pay, MaRS, Maybank, Microsoft, mobile.de, MoneyFarm, MoneyWhizz, Monzo, Moov, Nationwide, NatWest, Neonomics, Nets, Neuberger Berman Group, New Enterprise Associates, Nordic Capital, Northzone, Nutmeg, Online Payment Platform B.V., OpenWrks, Ourbanc, Outward, Oval, PAYONE, PayPal, Payveris, Pelion Venture Partners, Penfold, PensionBee, Pix, Pleo, Plum, Poste Italiane, Prelim , PROfounders Capital, PwC, QuickPay, Raiffeisen, Rakuten, RBS, Revolut, Sambla Group, Santander, Simpl, Simple, SlimPay, Société Générale, Sodexo, Sozialbank, Spark Capital, SPS (SIX Payment Services), SS&C, Stake, Standard Bank, Stripe, Swedbank, SWIFT, SwissBorg, Synch, TDR Capital, Temasek Holdings, Temenos, Tencent, Thought Machine, Tieto, TPG, Tymit, UBS, UniCredit, US Bank, Venmo, VIABILL, Visa, Vocalink, Wave, WealthOS, Wells Fargo, Wise, Wizz Air, Wombat, Worldpay, Y Combinator.

[プレスリリース]

OPEN BANKING-FACILITATED PAYMENTS TO EXCEED $116 BILLION BY 2026, AS APIS THREATEN TO END CARD DOMINANCE

Hampshire, UK – 1^st November 2021

A new study from Juniper Research has found that the value of global payment transactions facilitated by Open Banking will exceed $116 billion in 2026, from just under $4 billion in 2021. This extraordinary growth rate of over 2,800% over the next five years will be driven by increasing user awareness of Open Banking features, supported by greater deployment within Europe, as vendors build on PSD2 (Second Payment Services Directive) APIs to deliver expanding services.

The research identified Open Banking-facilitated payments, where payments are made directly from bank accounts, as a growing threat to the dominance of cards within eCommerce. While card payments are well established, leveraging permissioned access to bank accounts can reduce fraud risks due to strict KYC (Know Your Customer) rules. The research recommends payment providers partner with Open Banking API providers now to reduce risks of disintermediation.

Europe Dominating Open Banking Payments

The new research, Open Banking: Key Opportunities, Vendor Strategies & Market Forecasts 2021‑2026, found that Europe will account for over 75% of Open Banking payments users globally in 2026; demonstrating the head start that PSD2 has given this market. However, the report recommends that API vendors look beyond regulatory minimum requirements to develop advanced use cases such as aggregation of additional products, including loans, credit cards and mortgages, as awareness builds.

Research co-author Damla Sat explained:

“While PSD2 is a great starting point, it is not the end goal for Open Banking – supportive regulation must be a platform for much greater innovation. The race is on for vendors to build the most compelling capabilities for the future of Open Finance.”

US Market Opening Up

The research found that recent governmental support within the US will stimulate the growth of Open Banking, and the market will require payments players to develop new capabilities quickly to capitalise. As such, we anticipate acquisitions and partnerships to intensify, so vendors can meet these evolving requirements quickly, rather than developing their own solutions over time.

Juniper Research provides research and analytical services to the global hi-tech communications sector; providing consultancy, analyst reports and industry commentary.

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OPEN BANKING

1.Market Trends & Strategies Table of Contents

1.key Takeaways and Strategic Recommendations
2.Market Landscape
3.Regional Analysis

2.Competitor Leaderboard Table of Contents

1.Competitor Leaderboard
2.Vendor Profiles

3.Data & Forecasting Table of Contents

1.Forecast Methodology
2.Open Banking Summary Forecasts
3.Consumer Payments Forecasts
4.Consumer Summary Forecasts
5.Consumer Services Forecasts
6.Open Banking Business Forecasts