Se prevé que el tamaño del mercado de soluciones de gestión de liquidez y activos y pasivos crezca de 1.787,59 millones de dólares en 2022 a 3.009,24 millones de dólares en 2028; se estima que crecerá a una tasa compuesta anual del 9,1% de 2022 a 2028.
La gestión de la liquidez puede denominarse el acto de una institución de garantizar la disponibilidad de suficiente efectivo y activos líquidos para pagar los gastos de la institución y satisfacer la demanda de retiro de préstamos o ahorros de cualquier cliente. La gestión de activos y pasivos es el proceso de planificación, organización y control de volúmenes, vencimientos, tasas y rendimientos de activos y pasivos para minimizar el riesgo de tasas de interés y mantener un nivel de rentabilidad aceptable. Las soluciones y servicios de gestión de liquidez y pasivos de activos ayudan a las empresas a gestionar la liquidez y los pasivos de activos de manera eficaz.
El creciente rigor de las regulaciones y la creciente atención al riesgo de tasas de interés han obligado a las instituciones bancarias a buscar soluciones integrales de gestión de liquidez y pasivos de activos. El riesgo de tipos de interés en la cartera bancaria (IRRBB) y la prueba de resistencia de la EBA en la planificación de financiación son algunos de los factores que obligan a los bancos a evaluar las posibles consecuencias de un aumento de los tipos de interés, el cambio en los valores de los activos sensibles a los intereses y la consiguiente disminución. en capital regulatorio. Además, el sector BFSI ha sido testigo de un aumento de las regulaciones relacionadas con la gestión de riesgos. Además, las fluctuaciones persistentes en las tasas de interés en Estados Unidos, el Reino Unido, Suiza, Japón y otras grandes naciones bancarias han disminuido los márgenes del sector BFSI. Estos factores han promovido el crecimiento del mercado mundial de soluciones de gestión de liquidez y activos y pasivos. Estas soluciones y servicios pueden permitir a las instituciones financieras tomar decisiones basadas en análisis de escenarios, proporcionar una mejor perspectiva tanto desde el punto de vista del riesgo como de las finanzas, y ayudar fuertemente a las empresas a cumplir con los requisitos regulatorios. La mayoría de las soluciones modernas de liquidez y pasivo de activos tienen precios de transferencia de fondos (FTP) integrados, lo que permite a los usuarios distinguir entre la rentabilidad de una actividad y otra.
Basado en el informe de mercado de soluciones de gestión de liquidez y pasivo de activos, El mercado de soluciones de gestión de liquidez y activos y pasivos se segmenta en componentes e industrias. Según el componente, el mercado de soluciones de gestión de liquidez y activos y pasivos se segmenta en soluciones y servicios. Según la industria, el mercado de soluciones de gestión de liquidez y activos y pasivos se segmenta en bancos, corredores, finanzas especializadas, asesores patrimoniales y otros.
Perspectivas estratégicas
Impacto de la pandemia de COVID-19 sobre el tamaño del mercado de soluciones de gestión de liquidez y activos y pasivos
Con las restricciones sociales impuestas por varios países en respuesta al inicio de la pandemia de COVID-19, las principales partes interesadas en el sector BFSI, como bancos, corredores y Los asesores patrimoniales recurrieron a las plataformas digitales para satisfacer sus necesidades diarias. Las billeteras digitales, a menudo conocidas como eWallets, se hicieron más populares en medio de estas condiciones. Como resultado de esta transición, aumentó la probabilidad de pérdidas crediticias y activos morosos (NPA), mientras que los bancos experimentaron resultados inesperados del modelo de gestión de activos y pasivos (ALM). El Grupo de Acción Financiera Internacional (GAFI) ha advertido a los bancos sobre transacciones monetarias ilegales. Como resultado, la demanda de soluciones de gestión de liquidez y activos y pasivos ha aumentado, lo que ha influido significativamente en el crecimiento del mercado de soluciones de liquidez y gestión de activos y pasivos. Además, debido al uso generalizado de plataformas digitales, el volumen de datos en las redes está creciendo, lo que ejerce mucha presión sobre los bancos y las instituciones financieras para mantener oportunamente sus balances. La mayoría de los bancos regionales e internacionales han experimentado rendimientos y márgenes de préstamos significativamente más bajos de lo previsto debido a una mayor refinanciación de préstamos. La pandemia de COVID-19 ha acelerado la evolución de las tecnologías digitales y la liquidez digital. Por lo tanto, los bancos y las instituciones financieras están utilizando técnicas de análisis de datos para mejorar sus procesos de gestión de activos.
regiones lucrativas para el mercado de soluciones de gestión de liquidez y pasivos de activos
Perspectivas del mercado: análisis de mercado Análisis de mercado de soluciones de gestión de liquidez y pasivos de activos
Crecimiento de la industria BNPL
La industria progresiva de comprar ahora, pagar después (BNPL) también está respaldando el crecimiento de la liquidez y el pasivo de activos. mercado de soluciones de gestión. La gestión eficaz del riesgo crediticio y de la responsabilidad es la clave del éxito de los actores de BNPL. Según un informe de Apptopia, las descargas de aplicaciones BNPL alcanzaron los 6,8 millones en noviembre de 2021, un 54 % más que en noviembre de 2020, y los usuarios activos mensuales (MAU) aumentaron un 63 % año tras año. Aunque Estados Unidos lidera la carrera, el número de usuarios activos en Europa también ha crecido significativamente. Según un informe de PayU, el 7,4% del total de transacciones de comercio electrónico en Europa se realizaron utilizando los servicios de BNPL en 2020, y se espera que el recuento de transacciones crezca un 45% en los próximos cinco años. Por lo tanto, con la proliferación global de la industria BNPL, junto con el creciente enfoque en el riesgo de responsabilidad por parte de los actores de la industria, se anticipa que el crecimiento del mercado de soluciones de gestión de liquidez y activos y pasivos a un buen ritmo durante el período de pronóstico.
Componente- Información sobre el mercado de soluciones de gestión de liquidez y activos y pasivos
Según el componente, el mercado de soluciones de gestión de liquidez y activos y pasivos se segmenta en soluciones y servicios. Se espera que el segmento de soluciones sea el de más rápido crecimiento, impulsado principalmente por la llegada de soluciones basadas en IA. Se espera que el segmento de servicios crezca a un ritmo moderado durante el período de pronóstico.
Perspectivas del mercado de soluciones de gestión de pasivos de activos y liquidez basadas en el usuario final
En términos de industria, la liquidez global y el mercado de soluciones de activos y responsabilidad está segmentado en bancos, corredores, finanzas especializadas, asesores patrimoniales y otros. Se prevé que el segmento de bancos sea el segmento más grande durante el período de pronóstico, debido a la adopción generalizada de soluciones de liquidez y pasivo de activos en todo el mundo.
Los actores del mercado de soluciones de gestión de pasivos de activos y liquidez se centran principalmente en el desarrollo Productos avanzados y eficientes. A continuación se ofrecen algunos ejemplos.
- En junio de 2022, Infosys Finacle, parte de EdgeVerve Systems, una subsidiaria de propiedad total de Infosys y Suryoday Small Finance Bank (SSFB), anunció la Implementación exitosa de la plataforma Finacle Core Banking y la plataforma Finacle Treasury. Finacle respaldará los motores minoristas, corporativos y de pago de SSFB en un modelo local respaldado por la infraestructura de IBM.
- En febrero de 2022, el gigante de tecnología de inteligencia artificial y análisis de datos SAS adquirió Kamakura Corp., con sede en Honolulu, que ampliará su alcance dentro de la industria de servicios financieros y ampliará la cartera de software de gestión de riesgos financieros de SAS. Es una de las empresas líderes en el ámbito del análisis y la gestión de datos.
Perfiles de la empresa: mercado de soluciones de gestión de liquidez y activos y pasivos
- Software de información Experian , Inc.
- Fidelity National Information Services, Inc.
- Finastra International Limited
- IBM Corporation
- Infosys, Ltd.
- Intellect Design Arena Limited
- Moody's Corporation
- Oracle Corporation
- SAP SE
- Wolters Kluwer NV >ul>
Report Coverage
Revenue forecast, Company Analysis, Industry landscape, Growth factors, and Trends
Segment Covered
This text is related
to segments covered.
Regional Scope
North America, Europe, Asia Pacific, Middle East & Africa, South & Central America
Country Scope
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to country scope.
Frequently Asked Questions
The global liquidity and asset liability management solutions market was estimated to be USD 1,661.64 million in 2021 and is expected to grow at a CAGR of 9.1%, during the forecast period 2022 - 2028.
Liquidity and asset liability management solutions market is being driven by the increasing credit risk across financial institutions. The banking and financial industry experienced severe disruptions in 2020 and 2021 after the onset of the COVID-19 pandemic. This provides growth opportunities for liquidity and asset liability management solution providers.
Growing integration of AI and analytics into liquidity and asset liability management solutions is expected to play a crucial role in the future of the liquidity and asset liability management solutions market. AI is being integrated extensively across numerous areas, from cloud computing applications to digital assistants, to automate the process.
The key players, holding majority shares, in liquidity and asset liability management solutions market includes Fidelity National Information Services, Inc., Moody's Corporation, Oracle Corporation, Wolters Kluwer N.V., and Finastra International Limited.
Asia Pacific is the fastest growing regional market, followed by North America.
China, India, Japan, and the US are expected to register high growth rates during the forecast period.
The US held the largest market share in 2021, followed by China.
The solutions led the liquidity and asset liability management solutions market with a significant share in 2021.
The liquidity and asset liability management solutions market is expected to reach US$ 3,009.24 million by 2028.
The incremental growth, expected to be recorded for the liquidity and asset liability management solutions market during the forecast period, is US$ 1,221.66 million.
The List of Companies - Liquidity and Asset Liability Management Solutions Market
- Experian Information Softwares, Inc.
- Fidelity National Information Services, Inc.
- Finastra International Limited
- IBM Corporation
- Infosys, Ltd.
- Intellect Design Arena Limited
- Moody's Corporation
- Oracle Corporation
- SAP SE
- Wolters Kluwer N.V.
The Insight Partners performs research in 4 major stages: Data Collection & Secondary Research, Primary Research, Data Analysis and Data Triangulation & Final Review.
- Data Collection and Secondary Research:
As a market research and consulting firm operating from a decade, we have published and advised several client across the globe. First step for any study will start with an assessment of currently available data and insights from existing reports. Further, historical and current market information is collected from Investor Presentations, Annual Reports, SEC Filings, etc., and other information related to company’s performance and market positioning are gathered from Paid Databases (Factiva, Hoovers, and Reuters) and various other publications available in public domain.
Several associations trade associates, technical forums, institutes, societies and organization are accessed to gain technical as well as market related insights through their publications such as research papers, blogs and press releases related to the studies are referred to get cues about the market. Further, white papers, journals, magazines, and other news articles published in last 3 years are scrutinized and analyzed to understand the current market trends.
- Primary Research:
The primarily interview analysis comprise of data obtained from industry participants interview and answers to survey questions gathered by in-house primary team.
For primary research, interviews are conducted with industry experts/CEOs/Marketing Managers/VPs/Subject Matter Experts from both demand and supply side to get a 360-degree view of the market. The primary team conducts several interviews based on the complexity of the markets to understand the various market trends and dynamics which makes research more credible and precise.
A typical research interview fulfils the following functions:
- Provides first-hand information on the market size, market trends, growth trends, competitive landscape, and outlook
- Validates and strengthens in-house secondary research findings
- Develops the analysis team’s expertise and market understanding
Primary research involves email interactions and telephone interviews for each market, category, segment, and sub-segment across geographies. The participants who typically take part in such a process include, but are not limited to:
- Industry participants: VPs, business development managers, market intelligence managers and national sales managers
- Outside experts: Valuation experts, research analysts and key opinion leaders specializing in the electronics and semiconductor industry.
Below is the breakup of our primary respondents by company, designation, and region:
Once we receive the confirmation from primary research sources or primary respondents, we finalize the base year market estimation and forecast the data as per the macroeconomic and microeconomic factors assessed during data collection.
- Data Analysis:
Once data is validated through both secondary as well as primary respondents, we finalize the market estimations by hypothesis formulation and factor analysis at regional and country level.
- Macro-Economic Factor Analysis:
We analyse macroeconomic indicators such the gross domestic product (GDP), increase in the demand for goods and services across industries, technological advancement, regional economic growth, governmental policies, the influence of COVID-19, PEST analysis, and other aspects. This analysis aids in setting benchmarks for various nations/regions and approximating market splits. Additionally, the general trend of the aforementioned components aid in determining the market's development possibilities.
- Country Level Data:
Various factors that are especially aligned to the country are taken into account to determine the market size for a certain area and country, including the presence of vendors, such as headquarters and offices, the country's GDP, demand patterns, and industry growth. To comprehend the market dynamics for the nation, a number of growth variables, inhibitors, application areas, and current market trends are researched. The aforementioned elements aid in determining the country's overall market's growth potential.
- Company Profile:
The “Table of Contents” is formulated by listing and analyzing more than 25 - 30 companies operating in the market ecosystem across geographies. However, we profile only 10 companies as a standard practice in our syndicate reports. These 10 companies comprise leading, emerging, and regional players. Nonetheless, our analysis is not restricted to the 10 listed companies, we also analyze other companies present in the market to develop a holistic view and understand the prevailing trends. The “Company Profiles” section in the report covers key facts, business description, products & services, financial information, SWOT analysis, and key developments. The financial information presented is extracted from the annual reports and official documents of the publicly listed companies. Upon collecting the information for the sections of respective companies, we verify them via various primary sources and then compile the data in respective company profiles. The company level information helps us in deriving the base number as well as in forecasting the market size.
- Developing Base Number:
Aggregation of sales statistics (2020-2022) and macro-economic factor, and other secondary and primary research insights are utilized to arrive at base number and related market shares for 2022. The data gaps are identified in this step and relevant market data is analyzed, collected from paid primary interviews or databases. On finalizing the base year market size, forecasts are developed on the basis of macro-economic, industry and market growth factors and company level analysis.
- Data Triangulation and Final Review:
The market findings and base year market size calculations are validated from supply as well as demand side. Demand side validations are based on macro-economic factor analysis and benchmarks for respective regions and countries. In case of supply side validations, revenues of major companies are estimated (in case not available) based on industry benchmark, approximate number of employees, product portfolio, and primary interviews revenues are gathered. Further revenue from target product/service segment is assessed to avoid overshooting of market statistics. In case of heavy deviations between supply and demand side values, all thes steps are repeated to achieve synchronization.
We follow an iterative model, wherein we share our research findings with Subject Matter Experts (SME’s) and Key Opinion Leaders (KOLs) until consensus view of the market is not formulated – this model negates any drastic deviation in the opinions of experts. Only validated and universally acceptable research findings are quoted in our reports.
We have important check points that we use to validate our research findings – which we call – data triangulation, where we validate the information, we generate from secondary sources with primary interviews and then we re-validate with our internal data bases and Subject matter experts. This comprehensive model enables us to deliver high quality, reliable data in shortest possible time.
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