Mercado de sistemas bancarios básicos minoristas: mapeo competitivo y perspectivas estratégicas para 2031

  • Report Code : TIPRE00006768
  • Category : Technology, Media and Telecommunications
  • Status : Published
  • No. of Pages : 155
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[Informe de investigación] Se espera que el mercado de sistemas bancarios centrales minoristas crezca de 6.529,83 millones de dólares en 2021 a 11.410,83 millones de dólares estadounidenses en 2027. Se espera que el mercado de sistemas bancarios centrales minoristas crezca a una tasa compuesta anual del 9,5%. durante el período previsto de 2021 a 2027.

Los sistemas bancarios centrales minoristas son soluciones para banca personal o banca de consumo que ofrecen a los bancos la capacidad de atender mejor a sus clientes a través de canales digitales. . Estas soluciones ayudan a los clientes a administrar mejor su dinero transfiriéndolo y depositándolo de forma segura y accediendo al crédito. La implementación del sistema de banca minorista permite fondos de bajo costo para los bancos, construye una base sólida y mantiene una gestión eficiente de las relaciones con los clientes (CRM), lo que se espera que impulse la demanda del mercado de sistemas bancarios centrales minoristas. Además, la creciente demanda de los clientes de banca en red y banca móvil está impulsando el crecimiento del mercado. Además, la creciente competencia de varias carteras de pagos móviles y otras tecnologías financieras está empujando a los bancos a adoptar mejores soluciones que puedan ofrecer soluciones de pago sencillas a los clientes, lo que se espera que impulse el crecimiento del mercado.

 

La crisis de COVID-19 está afectando a las industrias de todo el mundo y se prevé que la economía mundial se verá más afectada en el año 2020 y probablemente también en 2021. Sin embargo, la industria BFSI sigue en auge en medio de la pandemia mundial debido al aumento de la banca digital. El impacto del brote de COVID-19 en el crecimiento del mercado global de sistemas bancarios centrales minoristas en varios países/regiones se describe en las secciones siguientes. La mayoría de los consumidores han aumentado el uso de su aplicación de banca móvil y están utilizando la banca en línea más que antes del brote.

Los proveedores que operan en El mercado de sistemas bancarios centrales minoristas se centra en el lanzamiento de nuevos productos para mantener su ventaja competitiva. Por ejemplo, en octubre de 2020, Temenos AG lanzó Temenos Transact Data Hub. Es una plataforma SaaS (software como servicio) en tiempo real para banca central. Además, basándose en la identificación y el análisis de múltiples actores del mercado, el mercado global de sistemas bancarios centrales minoristas está ampliamente segmentado en oferta e implementación. Según la oferta, el mercado se bifurca en soluciones y servicios. Según la implementación, el mercado se clasifica en local y en la nube.

regiones lucrativas en el mercado de sistemas bancarios centrales minoristas


Perspectivas del mercado de sistemas de banca minorista

Intensificación de la competencia en la industria de la banca minorista

Varios Las empresas no tradicionales, incluidos minoristas, proveedores de tecnología o nuevas empresas de tecnología financiera, han ingresado al mercado de la banca minorista y están orientadas al consumidor, impulsadas por la tecnología y son ágiles. Están utilizando tecnologías innovadoras para ofrecer a los clientes una mejor asequibilidad, un servicio superior y un acceso más fácil. Estas empresas emergen como fuertes competidores de los bancos tradicionales al apuntar a los segmentos más rentables de sus cadenas de valor, como los pagos móviles, o al eliminar por completo las operaciones bancarias con la introducción de divisas y préstamos entre pares (P2P). Aunque el número de estas empresas no tradicionales es actualmente limitado, algunas de ellas ya han captado una parte considerable del negocio bancario tradicional. Por ejemplo, WeChatPay, una plataforma china de mensajería instantánea para pagos P2P y en línea, atiende a más de 900 millones de usuarios activos cada mes. A finales de 2019, Doku y WeChat ampliaron sus servicios para permitir a los turistas extranjeros agregar sus tarjetas de crédito internacionales en la billetera móvil, lo que les permite realizar pagos móviles más fácilmente en el país.

< p>Información de mercado basada en ofertas

El segmento de oferta se divide en soluciones y servicios. Debido a la intensificación de la competencia en el sector de la banca minorista, varios bancos están adoptando sistemas bancarios básicos minoristas para mantener su participación de mercado y competir con posibles nichos en la cadena de valor. Además, las necesidades rápidamente cambiantes de los clientes para realizar operaciones bancarias sencillas están empujando a las organizaciones a implementar sistemas de banca central minorista eficientes.


Mercado de sistemas de banca central minorista, por oferta: 2021 y 2027


Información de mercado basada en la implementación

Basado en la implementación, el mercado de sistemas bancarios centrales minoristas de APAC se segmenta en basados en la nube y en -implementación local. Los sistemas bancarios centrales minoristas basados en la nube están experimentando una gran demanda en comparación con los sistemas bancarios centrales minoristas locales. El segmento de la nube genera la mayor parte de la demanda porque es comparativamente menos costoso y debido a la sólida infraestructura de red en los países desarrollados. Además, los proveedores de sistemas bancarios centrales minoristas basados en la nube están muy centrados en desarrollar un parche de seguridad de alto nivel para eliminar el riesgo de ciberataques. Este factor también está creando una demanda significativa por parte de las instituciones financieras, impulsando así el mercado de sistemas bancarios centrales minoristas.

Perspectivas estratégicas

Actuadores que operan en el El mercado de sistemas bancarios centrales minoristas se centra en estrategias, como iniciativas de mercado, adquisiciones y lanzamientos de productos, para mantener sus posiciones en el mercado de sistemas bancarios centrales minoristas. Algunos avances de los actores clave del mercado de sistemas bancarios centrales minoristas son:

En octubre de 2020, NEC adquirió Avaloq en un acuerdo de $2.2 mil millones. NEC dará gran importancia a la construcción de relaciones a largo plazo con Avaloq y sus clientes, y se centrará en ofrecer nuevas soluciones que integren el software de Avaloq con las tecnologías de NEC, incluidas las soluciones de autenticación biométrica.

< p>En agosto de 2020, el Banco Nacional de Bahréin nombró a la empresa Infosys para transformar digitalmente su negocio de banca de transacciones.

Mercado de sistemas bancarios básicos minoristas: ofreciendo

  • Soluciones
  • Servicios


Mercado de sistemas bancarios centrales minoristas: por implementación

  • Nube
  • On-Premise


Mercado de sistemas bancarios centrales minoristas: por Geografía

  • América del Norte
    • Estados Unidos
    • Canadá
    • México
  • < li>Europa
    • Francia
    • Alemania
    • Rusia
    • Reino Unido
    • Italia
    • Resto de Europa
  • Asia Pacífico (APAC)
    • China
    • India
    • Japón
    • < li>Australia
    • Corea del Sur
    • Resto de APAC
  • MEA
    • Arabia Saudita
    • EAU
    • Sudáfrica
    • Resto de MEA
  • SAM
    • Brasil
    • Argentina
    • Resto de SAM


Mercado de sistemas bancarios básicos minoristas: Perfiles de empresa

  • Avaloq
  • FIS
  • Fiserv Inc
  • Infosys Ltd
  • Intellect Design Arena Ltd
  • Oracle Corporation
  • SAP SE
  • Sopra Steria
  • Tata Consultancy Services Limited
  • Temenos Headquarters SA
Report Coverage
Report Coverage

Revenue forecast, Company Analysis, Industry landscape, Growth factors, and Trends

Segment Covered
Segment Covered

This text is related
to segments covered.

Regional Scope
Regional Scope

North America, Europe, Asia Pacific, Middle East & Africa, South & Central America

Country Scope
Country Scope

This text is related
to country scope.

Frequently Asked Questions


Which factor is driving the Retail Core Banking System market?

Several non-traditional companies-including retailers, technology providers, or Fintech start-ups have entered into the retail banking market, and they are consumer-oriented, technology-driven, and agile. They are using innovative technologies to offer customers better affordability, superior service, and easier access. These companies emerging as strong competitors for the traditional banks by targeting the most profitable segments of their value chains, such as mobile payments, or by completely eliminating banking operations with the introduction of peer-to-peer (P2P) forex and lending. Although the number of these non-traditional companies is limited at present, a few of them have already captured a considerable portion of the traditional banking business. For instance, WeChatPay, a Chinese instant messaging platform for P2P and online payments, serves over 900 million active users every month. In late 2019, AliPay and WeChat expanded their services to allow foreign tourists to add their international credit cards in the mobile wallet, enabling them to pay easier mobile payments in the country.

Which offering led the Retail Core Banking System market?

The solutions segment comprise of various systems offered by vendors operating in the marketplace, such as ATM technology, check processing, card/payments processing, electronic commerce solutions, customer accounts, and mortgages, among others. Features of core banking solutions include customer on-boarding, transactions management, calculation of interest, management of withdrawals and deposits, loans management and disbursal, accounts management, and CRM activities, among others. These solutions enable banks to gain better customer satisfactions by enabling them to have entire range of their banking products available from any location. Further, accessibility from numerous digital channels, such as web and mobile, is another significant advantage of retail core banking solutions.

What factors are providing opportunities for Retail Core Banking System market?

Several banks across the APAC region are still using their legacy core banking systems. However, the advent of new technologies such as application programming interfaces (APIs), cloud, and digital banking has resulted in significant shift in partnership preferences of banking institutes with fintechs. Moreover, increasing consumer expectations for real-time transaction processing from banks is resulting in new partnerships between banks and fintech companies. Moreover, the growing preference for private cloud is another significant opportunity for the retail banking software market players. Several players operating in the market are providing banks with innovative, economically priced cloud-ready solutions that compliant with open-banking. The replacement of legacy banking infrastructure with advanced banking systems provides lucrative market opportunities to the market players.

The List of Companies - Retail Core Banking System Market

  1. Avaloq
  2. Fiserv Inc
  3. Infosys Ltd
  4. Oracle Corporation
  5. SAP SE
  6. Sopra Steria
  7. Tata Consultancy Services Limited
  8. Temenos Headquarters SA
  9. Intellect Design Arena Ltd
  10. FIS

The Insight Partners performs research in 4 major stages: Data Collection & Secondary Research, Primary Research, Data Analysis and Data Triangulation & Final Review.

  1. 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.

  1. 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:

Research Methodology

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.

  1. 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.

  1. 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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