Marché des systèmes bancaires de base de détail – Analyse des tendances et de la croissance | Année de prévision 2031

  • Report Code : TIPRE00006768
  • Category : Technology, Media and Telecommunications
  • Status : Published
  • No. of Pages : 155
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[Rapport de recherche]Le marché des systèmes bancaires de détail devrait passer de 6 529,83 millions de dollars américains en 2021 à 11 410,83 millions de dollars d'ici 2027. Le marché des systèmes bancaires de détail devrait croître à un TCAC de 9,5 % au cours de la période de prévision de 2021 à 2027.



Les systèmes bancaires de détail sont des solutions pour les services bancaires personnels ou les services bancaires aux consommateurs qui offrent aux banques la possibilité de mieux servir leurs clients via les canaux numériques. Ces solutions aident les clients à mieux gérer leur argent en le transférant et en le déposant en toute sécurité et en accédant au crédit. La mise en œuvre du système bancaire de détail permet aux banques de disposer de fonds à faible coût, de construire une base solide et de maintenir une gestion efficace de la relation client (CRM), ce qui devrait propulser la demande pour le marché des systèmes bancaires de détail de base. De plus, la demande croissante des clients pour le net banking et le mobile banking soutient la croissance du marché. En outre, la concurrence croissante de divers portefeuilles de paiement mobile et d'autres fintech pousse les banques à adopter de meilleures solutions qui pourraient offrir des solutions de paiement faciles aux clients, ce qui devrait stimuler la croissance du marché.



Le COVID-19 La crise affecte les industries du monde entier, et l'économie mondiale devrait être la plus touchée en 2020 et probablement en 2021 également. Cependant, l'industrie BFSI est toujours en plein essor au milieu de la pandémie mondiale en raison de l'essor de la banque numérique. L’impact de l’épidémie de COVID-19 sur la croissance du marché mondial des systèmes bancaires de détail de base dans divers pays/régions est décrit dans les sections ci-dessous. La majorité des consommateurs ont augmenté l'utilisation de leur application bancaire mobile et utilisent les services bancaires en ligne plus qu'avant l'épidémie.



Les fournisseurs opérant sur le marché des systèmes bancaires de détail se concentrent sur les lancements de nouveaux produits pour maintenir leur avantage concurrentiel. Par exemple, en octobre 2020, Temenos AG a lancé Temenos Transact Data Hub. Il s'agit d'une plate-forme SaaS (Software-as-a-Service) en temps réel pour les services bancaires de base. De plus, sur la base de l'identification et de l'analyse de plusieurs acteurs du marché, le marché mondial des systèmes bancaires de détail de base est largement segmenté en offre et déploiement. Basé sur l'offre, le marché est divisé en solutions et services. Sur la base du déploiement, le marché est classé en sur site et dans le cloud.



Régions lucratives sur le marché des systèmes bancaires de détail



Aperçu du marché des systèmes bancaires de détail



Intensification de la concurrence dans le secteur de la banque de détail



Plusieurs entreprises non traditionnelles, notamment des détaillants, des fournisseurs de technologie ou des start-up Fintech, sont entrées sur le marché de la banque de détail, et elles sont axées sur le consommateur, axées sur la technologie et agile. Ils utilisent des technologies innovantes pour offrir aux clients une meilleure accessibilité, un service supérieur et un accès plus facile. Ces entreprises émergent comme de puissants concurrents pour les banques traditionnelles en ciblant les segments les plus rentables de leurs chaînes de valeur, tels que les paiements mobiles, ou en éliminant complètement les opérations bancaires avec l'introduction du forex et des prêts peer-to-peer (P2P). Bien que le nombre de ces entreprises non traditionnelles soit limité à l'heure actuelle, quelques-unes d'entre elles ont déjà accaparé une part considérable de l'activité bancaire traditionnelle. Par exemple, WeChatPay, une plate-forme chinoise de messagerie instantanée pour les paiements P2P et en ligne, dessert plus de 900 millions d'utilisateurs actifs chaque mois. Fin 2019, AliPay et WeChat ont étendu leurs services pour permettre aux touristes étrangers d'ajouter leurs cartes de crédit internationales dans le portefeuille mobile, ce qui leur permet de payer plus facilement les paiements mobiles dans le pays.



Offre des aperçus du marché basés sur l'offre



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Le segment de l'offre est divisé en solutions et services. En raison de l'intensification de la concurrence dans le secteur de la banque de détail, plusieurs banques adoptent des systèmes bancaires de détail de base pour conserver leur part de marché et rivaliser avec des créneaux potentiels dans la chaîne de valeur. De plus, l'évolution rapide des besoins des clients en matière d'opérations bancaires simples pousse les organisations à déployer des systèmes bancaires de détail efficaces.



Marché des systèmes bancaires de détail de base, par offre - 2021 et 2027



Déploiement - Aperçu du marché basé



Sur la base du déploiement, le marché des systèmes bancaires de détail APAC est segmenté en déploiement basé sur le cloud et sur site. Les systèmes bancaires de détail basés sur le cloud connaissent une forte demande par rapport aux systèmes bancaires de détail sur site. Le segment du cloud génère la majorité de la demande car il est comparativement moins cher et en raison d'une infrastructure de réseau solide dans les pays développés. En outre, les fournisseurs de systèmes bancaires de détail basés sur le cloud se concentrent fortement sur le développement d'un correctif de sécurité de haut niveau afin d'éliminer le risque de cyberattaque. Ce facteur crée également une demande importante de la part des institutions financières, stimulant ainsi le marché des systèmes bancaires de détail.



Aperçus stratégiques



Les acteurs opérant sur le marché des systèmes bancaires de détail se concentrent sur les stratégies, tels que des initiatives de marché, des acquisitions et des lancements de produits, pour maintenir leurs positions sur le marché des systèmes bancaires de détail de base. Voici quelques développements d'acteurs clés du marché des systèmes bancaires de détail :



En octobre 2020, NEC a acquis Avaloq dans le cadre d'un accord de 2,2 milliards de dollars. NEC accordera une grande importance à l'établissement de relations à long terme avec Avaloq et ses clients, et se concentrera sur l'offre de nouvelles solutions qui intègrent le logiciel Avaloq aux technologies de NEC, y compris les solutions d'authentification biométrique.



En août 2020, la Banque Nationale de Bahreïn a nommé la société Infosys pour transformer numériquement son activité de transaction bancaire.



Marché des systèmes bancaires de détail de base - en offrant




  • Solutions

  • Services


Marché des systèmes bancaires de détail de base - par déploiement




  • Cloud

  • Sur site


Banque de détail de base Marché des systèmes - par géographie




  • Amérique du Nord

    • États-Unis

    • Canada

    • Mexique


  • Europe

    • France

    • Allemagne

    • Russie

    • Royaume-Uni

    • Italie

    • < li>Reste de l'Europe


  • Asie-Pacifique (APAC)

    • Chine

    • Inde

    • Japon
    • Australie

    • Corée du Sud

    • Reste de l'APAC



  • MEA

    • Arabie saoudite< /li>
    • EAU

    • Afrique du Sud

    • Reste de la MEA



  • SAM

    • Brésil< /li>
    • Argentine

    • Reste de SAM




Marché des systèmes bancaires de détail de base - Profils des entreprises



  • 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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