銀行が提供するBaaSサービスは、顧客獲得コストの削減と顧客基盤の拡大につながっています。インド、シンガポール、中国は、アジア太平洋地域でフィンテック資金調達国として浮上しており、フィンテック分野をリードしています。インドのPaytmやRazorpayなどのローカルプレーヤーは、多くの未銀行化人口への金融サービスアクセスの拡大に寄与しています。これらの新興デジタル決済、金融包摂、金融サービスの拡大は、アジア太平洋地域のバンキング・アズ・ア・サービス市場の大幅な成長につながっています。

• 1 イントロダクション

  • 1.1 調査の前提条件と市場の定義

  • 1.2 本調査の範囲

• 2 調査手法

• 3 エグゼクティブサマリー

• 4 市場ダイナミクスと考察

  • 4.1 市場概要

  • 4.2 市場の促進要因

    • 4.2.1 アジア地域におけるデジタルバンキングの台頭

    • 4.2.2 金融取引量の増加

  • 4.3 市場の抑制要因

    • 4.3.1 一部の銀行事業体にとってBaaS技術のコストは高い

  • 4.4 市場機会

    • 4.4.1 経済のデジタル化に向けた政府のイニシアチブの高まり

    • 4.4.2 企業によるカスタマイズされた金融サービス商品の増加

  • 4.5 業界魅力度 - ポーターのファイブフォース分析

    • 4.5.1 新規参入の脅威

    • 4.5.2 買い手の交渉力

    • 4.5.3 サプライヤーの交渉力

    • 4.5.4 代替品の脅威

    • 4.5.5 競合・競争状況の激しさ

  • 4.6 アジア太平洋地域のBaaS市場における技術革新

  • 4.7 COVID-19の市場インパクト

• 5 市場セグメンテーション

  • 5.1 タイプ別

    • 5.1.1 APIベースのBaaS

    • 5.1.2 クラウドベースBaaS

  • 5.2 サービスタイプ別

    • 5.2.1 ペイメントプロセスサービス

    • 5.2.2 デジタルバンキングサービス

    • 5.2.3 KYCサービス

    • 5.2.4 カスタマーサポートサービス

    • 5.2.5 その他

  • 5.3 企業別

    • 5.3.1 大企業

    • 5.3.2 中小企業

  • 5.4 国別

    • 5.4.1 中国

    • 5.4.2 インド

    • 5.4.3 日本

    • 5.4.4 韓国

    • 5.4.5 インドネシア

    • 5.4.6 ベトナム

    • 5.4.7 マレーシア

    • 5.4.8 オーストラリア

    • 5.4.9 ニュージーランド

    • 5.4.10 その他のアジア太平洋

• 6 競合情勢

  • 6.1 Market Concetration Overview

  • 6.2 企業プロファイル

    • 6.2.1 ZestMoney

    • 6.2.2 MoneyTap

    • 6.2.3 Paytm

    • 6.2.4 OneConnect

    • 6.2.5 Jiedaibao

    • 6.2.6 Money Forward

    • 6.2.7 Kyash

    • 6.2.8 Moneycatcha

    • 6.2.9 Policybazaar

    • 6.2.10 Razorpay*

• 7 市場の将来動向

• 8 ディスクレイマー

The APAC Banking-As-A-Service Market size is estimated at USD 144.94 billion in 2024, and is expected to reach USD 230.58 billion by 2029, growing at a CAGR of 9.80% during the forecast period (2024-2029).

Asia Pacific region is observing a sharp increase in its economic activities and is emerging as a leading digital transaction adoption market. With the rise in different services and businesses different models of payment are been adopted in the region of which BaaS is an upcoming market. Digital payment transaction volume in the region is observing a continuous increase in the region with digital commerce existing with more than half of the market share. This trend is resulting in different businesses adopting BaaS payment methods either directly through banks or by fintech companies.

BaaS as a system allows fintech companies and other third-party organizations to access the bank’s system via APIs and provide its services to the users without having any bank license. Asia Pacific is an emerging market with a continuously rising value of investment in fintech companies. This increase in the number of fintech companies resulted in the creation of new financial products as well as an increase in partnerships between banks and fintech companies for the service. Fintechs and other third-party players running a digital platform are using APIs and the data which banks provides to create new and innovative financial solutions targeting specific customer needs.

BaaS services provided by banks are resulting in a reduction of their customer acquisition cost and expanding their customer base. India, Singapore, and China are emerging as fintech funding countries in the Asia Pacific region leading the fintech space. Local players such as Paytm and Razorpay in India are resulting in an expansion of financial services access to a large amount of unbanked population. These emerging digital payments, financial inclusion, and expansion of financial services are leading to a significant rise in the Asia Pacific Banking As Service market.

APAC Banking as a Service (BAAS) Market Trends

Increase In Digital Banking

Post-COVID, the value of Digital banking transactions in the Asia Pacific region is observing a continuous increase with the increase in the number of users preferring to make digital transactions while rendering a service. Banking as a Service (BaaS) enables rapid and effortless expansion of digital payment services by the fintech companies without any requirement for a banking license and infrastructure. Mobile Banking, Mobile payment, Blockchain, Insurtech, and Digital lending are among some of the services that can be offered using BaaS. India, China, Singapore, and Indonesia are among the emerging Asia-Pacific countries with an increasing share of digital transactions in the region. The rise in the number of digital payment users combined with an increase in digital payment providers is leading to a positive growth outlook for Banking as a Service in Asia Pacific.

Rising Value of Transaction in the Region

China, Japan, India, and Australia are emerging as the Asia Pacific countries with the leading value of GDP in the region. This rise is leading to a large number of financial transactions and economic activities occurring in these countries creating demand for an increase in financial services products. Alternative finance, i.e. funding available outside traditional banks. in the region is observing significant growth with India, Indonesia, South Korea, and China existing in the leading position. Rising payment volume in the region through digital commerce and Mobile POS systems has observed an increase, with demand for digital financial services by different payment facilitators leading to the expansion of the Banking as a Service (BaaS) market in the region.

APAC Banking as a Service (BAAS) Industry Overview

The APAC Banking-As-A-Service Market is fragmented with a large number of small and large players existing in the market. With technological advancement and service innovation, mid-size to large-size companies are increasing their market presence by securing new contracts and tapping new markets. Some of the major players existing in the market are One Connect, Du Xiaoman Financial, Money Forward, and Policy Bazar, etc.,

Additional Benefits:

• The market estimate (ME) sheet in Excel format
• 3 months of analyst support

• 1 INTRODUCTION

  • 1.1 Study Assumptions and Market Definition

  • 1.2 Scope of the Study

• 2 RESEARCH METHODOLOGY

• 3 EXECUTIVE SUMMARY

• 4 MARKET DYNAMICS AND INSIGHTS

  • 4.1 Market Overview

  • 4.2 Market Drivers

    • 4.2.1 Rise in Digital Banking in The Region

    • 4.2.2 Rise in Volume of Financial Transaction

  • 4.3 Market Restraints

    • 4.3.1 Higher Cost of BaaS Technology for Some Banking Entities

  • 4.4 Market Opportunities

    • 4.4.1 Rise in Government Initiatives Towards Digitizing Economy

    • 4.4.2 Rise in Customized Financial Services Products by Businesses

  • 4.5 Industry Attractiveness - Porters' Five Forces Analysis

    • 4.5.1 Threat of New Entrants

    • 4.5.2 Bargaining Power of Buyers

    • 4.5.3 Bargaining Power of Suppliers

    • 4.5.4 Threat of Substitutes

    • 4.5.5 Intensity of Competitive Rivalry

  • 4.6 Technological Innovations in the Asia Pacific Banking-As-A-Service Market

  • 4.7 Impact of COVID-19 on the Market

• 5 MARKET SEGMENTATION

  • 5.1 By Type

    • 5.1.1 API Based BaaS

    • 5.1.2 Cloud Based BaaS

  • 5.2 By Service Type

    • 5.2.1 Payment Process Services

    • 5.2.2 Digital Banking Services

    • 5.2.3 KYC Service

    • 5.2.4 Customer Support Services

    • 5.2.5 Others

  • 5.3 By Enterprise

    • 5.3.1 Large Enterprise

    • 5.3.2 Small & Medium Enterprise

  • 5.4 By Country

    • 5.4.1 China

    • 5.4.2 India

    • 5.4.3 Japan

    • 5.4.4 South Korea

    • 5.4.5 Indonesia

    • 5.4.6 Vietnam

    • 5.4.7 Malaysia

    • 5.4.8 Australia

    • 5.4.9 New Zealand

    • 5.4.10 Rest of Asia-Pacific

• 6 COMPETITIVE LANDSCAPE

  • 6.1 Market Concetration Overview

  • 6.2 Company Profiles

    • 6.2.1 ZestMoney

    • 6.2.2 MoneyTap

    • 6.2.3 Paytm

    • 6.2.4 OneConnect

    • 6.2.5 Jiedaibao

    • 6.2.6 Money Forward

    • 6.2.7 Kyash

    • 6.2.8 Moneycatcha

    • 6.2.9 Policybazaar

    • 6.2.10 Razorpay*

• 7 MARKET FUTURE TREND

• 8 DISCLAIMER AND ABOUT US