零售核心银行系统市场基于(关键地区、市场参与者、规模和份额)- 到 2031 年的预测

  • Report Code : TIPRE00006768
  • Category : Technology, Media and Telecommunications
  • Status : Published
  • No. of Pages : 155
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[研究报告]零售核心银行系统市场预计将从2021年的65.2983亿美元增长到2027年的114.1083亿美元。零售核心银行系统市场预计复合年增长率为9.5%预计在 2021 年至 2027 年期间。

零售核心银行系统是个人银行业务或消费银行业务的解决方案,使银行能够通过数字渠道更好地服务客户。这些解决方案通过安全地转账、存入资金以及获取信贷来帮助客户更好地管理资金。零售银行系统的实施可以为银行提供低成本资金,建立稳健的基础,并维持高效的客户关系管理(CRM),预计将推动零售核心银行系统市场的需求。此外,客户对网上银行和手机银行的需求不断增长,也推动了市场的增长。此外,来自各种移动支付钱包和其他金融科技的日益激烈的竞争正在促使银行采用更好的解决方案,为客户提供便捷的支付解决方案,这预计将推动市场的增长。

 

COVID-19 危机正在影响全球各行各业,预计全球经济将在 2020 年(甚至 2021 年)遭受最严重的打击。然而,由于数字银行的兴起,BFSI行业在全球大流行期间仍然蓬勃发展。以下部分介绍了 COVID-19 爆发对各个国家/地区全球零售核心银行系统市场增长的影响。大多数消费者手机银行应用程序的使用量有所增加,并且比疫情爆发前更多地使用网上银行。

在零售核心银行系统市场专注于新产品的推出,以保持竞争优势。例如,2020 年 10 月,Temenos AG 推出了 Temenos Transact 数据中心。它是一个针对核心银行业务的实时 SaaS(软件即服务)平台。此外,根据对多个市场参与者的识别和分析,全球零售核心银行系统市场大致分为产品和部署。根据提供的产品,市场分为解决方案和服务。根据部署,市场分为本地和云。

零售核心银行系统市场的利润丰厚的区域


零售核心银行系统市场洞察

零售银行业竞争加剧

几个非传统公司——包括零售商、技术提供商或金融科技初创企业已经进入零售银行市场,它们以消费者为导向、技术驱动且敏捷。他们正在利用创新技术为客户提供更实惠的价格、更优质的服务和更便捷的访问。这些公司通过瞄准其价值链中最赚钱的部分(例如移动支付)或通过引入点对点(P2P)外汇和贷款来完全消除银行业务,成为传统银行的强大竞争对手。尽管目前这些非传统公司的数量有限,但其中一些公司已经占据了传统银行业务的相当一部分。例如,中国的 P2P 和在线支付即时通讯平台微信支付每月为超过 9 亿活跃用户提供服务。 2019年底,支付宝和微信扩大了服务范围,允许外国游客在手机钱包中添加国际信用卡,使他们能够在国内更轻松地进行移动支付。

< p>基于产品的市场洞察

产品部分分为解决方案和服务。由于零售银行业的竞争加剧,一些银行正在采用零售核心银行系统来保持其市场份额并与价值链中的潜在利基市场竞争。此外,快速变化的客户对轻松银行业务的需求正在推动组织部署高效的零售核心银行系统。


零售核心银行系统市场,按产品划分 - 2021 年和 2027 年


基于部署的市场洞察

根据部署,亚太地区零售核心银行系统市场分为基于云的系统和基于云的系统。 - 本地部署。与本地零售核心银行系统相比,基于云的零售核心银行系统的需求量很大。云部分产生了大部分需求,因为它相对便宜,而且发达国家拥有强大的网络基础设施。此外,基于云的零售核心银行系统供应商高度重视开发高级别安全补丁,以消除网络攻击的风险。这一因素也创造了金融机构的巨大需求,从而推动了零售核心银行系统市场的发展。

战略洞察

在以下领域运营的参与者零售核心银行系统市场专注于市场举措、收购和产品发布等战略,以维持其在零售核心银行系统市场的地位。零售核心银行系统市场主要参与者的一些发展包括:

2020 年 10 月,NEC 以 22 亿美元的价格收购了 Avaloq。 NEC 将高度重视与 Avaloq 及其客户建立长期合作关系,并专注于提供将 Avaloq 软件与 NEC 技术(包括生物识别身份验证解决方案)集成的新解决方案。

< p>2020 年 8 月,巴林国家银行指定 Infosys 公司对其交易银行业务进行数字化转型。

零售核心银行系统市场 –通过提供

  • 解决方案
  • 服务


零售核心银行系统市场 -按部署划分

  • 本地部署


零售核心银行系统市场 -按地理位置

  • 北美洲
    • 美国
    • 加拿大
    • 墨西哥
  • < li>欧洲
    • 法国
    • 德国
    • 俄罗斯
    • 英国
    • 意大利
    • 其他欧洲
  • 亚太地区 (APAC)
    • 中国
    • 印度
    • 日本
    • < li>澳大利亚
    • 韩国
    • 亚太地区其他地区
  • 中东和非洲
    • 沙特阿拉伯
    • 阿联酋
    • 南非
    • 中东和非洲其他地区
  • SAM
    • 巴西
    • 阿根廷
    • SAM 的其他地区


零售核心银行系统市场 –公司简介

  • Avaloq
  • FIS
  • Fiserv Inc
  • Infosys Ltd
  • Intellect Design Arena Ltd
  • 甲骨文公司
  • SAP SE
  • Sopra Steria
  • 塔塔咨询服务有限公司
  • Temenos总部SA
  • li>
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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