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BaaS(서비스형 블록체인) 시장 예측 2022-2027년

출판:Juniper Research(주니퍼 리서치) 출판년도:2022년09월

Banking-as-a-Service: Segment Analysis, Competitor Leaderboard & Market Forecasts 2022-2027
BaaS(서비스형 블록체인) 시장: 세그먼트 분석, 경쟁 스코어보드, 시장 예측 2022-2027년

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Juniper Research 「BaaS: 세그먼트 분석, 경쟁 스코어보드, 시장 예측 2022-2027년 – Banking-as-a-Service: Segment Analysis, Competitor Leaderboard & Market Forecasts 2022-2027」의  보도 자료에서 BaaS의 플랫폼 수익은 2027 년까지 380 억 달러를 초과 할 것이라는 예측을 발표했습니다.

BaaS: 세그먼트 분석, 경쟁 스코어보드, 시장 예측 2022-2027년

Juniper Research 의 본 리포트「BaaS: 세그먼트 분석, 경쟁 스코어보드, 시장 예측 2022-2027년 」에서는 다양한 BaaS(Banking-as-a-Service)의 유스 케이스와 용도를 조사해, 증가 경향에 있는 디지털 뱅킹과 임베디드 금융(임베디드 파이낸스) 이용의 영향에 대해서도 해설·분석하고 있습니다. 또한 Juniper Research 경쟁 스코어 보드에서 aaS 벤더 15 사에 대한 자세한 평가를 실시하고 있습니다.

또한 이 보고서는 아래의 카테고리별 및 주요 8개 지역 60개 지역의 BaaS 이용 상황과 이용액 예측 결과도 제공합니다.

  • 당좌 예금 계좌
  • 카드 발급
  • 웰스 매니지먼트 및 저축
  • 선불 카드
  • 법인 계좌

주요 게시물

  • 시장 역학
  • 세그먼트 분석: BaaS 전략 채택 세그먼트 분석
    • 중소기업
    • 대기업
    • 핀텍
    • 은행
    • 소비자
  • Juniper Research의 경쟁 스코어보드 : 주요 플레이어 15개 기업의 특성과 능력 평가
    • 11:FS Foundry
    • Bankable
    • BBVA
    • ClearBank
    • Column
    • Credi2
    • Fidor Bank
    • Green Dot
    • Marqeta
    • MatchMove Pay Pte
    • Railsr
    • Solaris
    • Starling Bank
    • The Bancorp Bank
    • Treezor
  • 산업예측: BaaS 관련 당좌예금계좌, 카드발행, 웰스매니지먼트&저금, 선불카드, 법인계좌에 대해 아래 8개 지역 60개국의 5년 예측
    • 북미: 캐나다, 미국
    • 라틴 아메리카: 아르헨티나, 브라질, 칠레, 콜롬비아, 에콰도르, 멕시코, 페루, 우루과이
    • 서유럽: 오스트리아, 벨기에, 덴마크, 핀란드, 프랑스, ​​독일, 그리스, 아일랜드, 이탈리아, 네덜란드, 노르웨이, 포르투갈, 스페인, 스웨덴, 스위스, 영국
    • 중동유럽: 크로아티아, 체코, 헝가리, 폴란드, 루마니아, 러시아, 터키, 우크라이나
    • 극동과 중국: 중국, 홍콩, 일본, 한국
    • 인도 아대륙: 방글라데시, 인도, 네팔, 파키스탄
    • 기타 아시아 태평양 지역: 호주, 인도네시아, 말레이시아, 뉴질랜드, 필리핀, 싱가포르, 태국, 베트남
    • 아프리카 & 중동: 알제리, 이집트, 이스라엘, 케냐, 쿠웨이트, 나이지리아, 카타르, 사우디 아라비아, 남아프리카, 아랍 에미리트

이 보고서는 다음 질문에 대한 답변으로 이어지는 정보를 제공합니다.

  • 2027년까지 BaaS의 총 거래액 예측은?
  • BaaS 산업의 성장을 촉진하는 동향이란?
  • 인앱 구매와 디지털 POS 단말기가 BaaS 수요에 어떤 영향을 미쳤는가?
  • 다양한 산업에서 BaaS는 어떻게 이용되고 있는가? 또, 가장 이익을 많이 얻고 있는 산업은 어디인가?
  • BaaS 시장의 최신 주요 기업은 어디입니까? 또한, 어떻게 잘 활용하고 있습니까?

Report Overview

Juniper Research’s Banking-as-a-Service research report provides detailed analysis of this rapidly developing market. This includes an assessment of the various use cases and applications of BaaS (Banking-as-a-Service) within a range of markets, as well as the ongoing impact of increased digital banking and embedded finance usage. Additionally, the report includes an in-depth evaluation of 15 BaaS vendors via a Juniper Research Competitor Leaderboard.

The research also provides industry benchmark forecasts for the market; covering BaaS usage and spend, split by the following categories, as well as by our 8 key regions and 60 countries:

  • Current Accounts
  • Card Issuing
  • Wealth Management & Savings
  • Prepaid Cards
  • Business Accounts

This research suite comprises:

  • Strategy & Forecasts (PDF)
  • 5-year Market Sizing & Forecast Spreadsheet (Excel)
  • 12 Months’ Access to harvest Online Data Platform
Key Market Statistics
Market size in 2022: $11bn
Market size in 2027: $38bn
2022 to 2027 CAGR: 240%

KEY FEATURES

  • Market Dynamics: In-depth assessment of the key trends and challenges currently facing the BaaS market; focusing on the applications of BaaS, increasing use of digital banking and monetisation opportunities for BaaS providers.
  • Segment Analysis: Analysis of important segments which are adopting BaaS strategies, including:
    • Small/Medium Enterprises
    • Large Enterprises
    • Fintechs
    • Banks
    • Consumers
  • Juniper Research Competitor Leaderboard: Key player capability and capacity assessment for 15 vendors, including:
    • 11:FS Foundry
    • Bankable
    • BBVA
    • ClearBank
    • Column
    • Credi2
    • Fidor Bank
    • Green Dot
    • Marqeta
    • MatchMove Pay Pte
    • Railsr
    • Solaris
    • Starling Bank
    • The Bancorp Bank
    • Treezor
  • Benchmark Industry Forecasts: 5-year forecasts for 5 closely interlinked areas within BaaS, including current accounts, card issuing, wealth management & savings, prepaid cards and business accounts, split by our 8 key regions and the 60 countries listed below:
    • North America:
      • Canada, US
    • Latin America:
      • Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Peru, Uruguay
    • West Europe:
      • Austria, Belgium, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, UK
    • Central & East Europe:
      • Croatia, Czech Republic, Hungary, Poland, Romania, Russia, Turkey, Ukraine
    • Far East & China:
      • China, Hong Kong, Japan, South Korea
    • Indian Subcontinent:
      • Bangladesh, India, Nepal, Pakistan
    • Rest of Asia Pacific:
      • Australia, Indonesia, Malaysia, New Zealand, Philippines, Singapore, Thailand, Vietnam
    • Africa & Middle East
      • Algeria, Egypt, Israel, Kenya, Kuwait, Nigeria, Qatar, Saudi Arabia, South Africa, United Arab Emirates
KEY QUESTIONS ANSWERED
  1. What will the BaaS projected total transaction value be by 2027?
  2. What trends are driving the growth of the BaaS industry?
  3. How have in-app purchasing and digital POS terminals affected BaaS demand?
  4. How is BaaS being used within different industries? And which are the most profitable?
  5. Who are the current leading vendors within the BaaS market? What are they doing successfully?

COMPANIES REFERENCED

Case Studied: Treasury Prime.

Included in the Juniper Research Competitor Leaderboard: Bankable, The Bancorp Bank
BBVA, ClearBank, Column, Credi2, Fidor Bank, Green Dot, Marqeta, MatchMove Pay Pte., Railsr, Solaris, Starling Bank, Treezor, 11:FS Foundry.

Mentioned: AAZZUR, Aion Bank, Amazon, American Express, Apple, Arroweye Solutions, Capital, Churchill, CNP, Contis, Current, CyberSmart, Deutsche Bank, Digital Risk, Direct Line Group, Discover, Federal Deposit Insurance Corporation, Finleap, Goldman Sachs, Google, Intuit, Klarna, Mastercard, Maxi-Cash, Paysafe, PEXA, Plaid, QNTMPAY, Raiffeisen Bank International, Railsbank, Retreeb, Samsung, Sella, SumUp, Tap, Tappy Technologies, Totalenergies, Uber, UnionPay, Visa, Vodeno, Volkswagen Group, Walmart, Western Union, Xero, Ziglu, Zwipe.

DATA & INTERACTIVE FORECAST

Juniper Research’s Banking-as-a-Service forecast suite includes:

  • Regional splits for our 8 key forecast regions, as well as 60 country-level data splits for:
    • North America:
      • Canada, US
    • Latin America:
      • Argentina, Brazil, Chile, Colombia, Ecuador, Mexico, Peru, Uruguay.
    • West Europe:
      • Austria, Belgium, Denmark, Finland, France, Germany, Greece, Ireland, Italy, Netherlands, Norway, Portugal, Spain, Sweden, Switzerland, UK.
    • Central & East Europe:
      • Croatia, Czech Republic, Hungary, Poland, Romania, Russia, Turkey, Ukraine.
    • Far East & China:
      • China, Hong Kong, Japan, South Korea.
    • Indian Subcontinent:
      • Bangladesh, India, Nepal, Pakistan.
    • Rest of Asia Pacific:
      • Australia, Indonesia, Malaysia, New Zealand, Philippines, Singapore, Thailand, Vietnam.
    • Africa & Middle East:
      • Algeria, Egypt, Israel, Kenya, Kuwait, Nigeria, Qatar, Saudi Arabia, South Africa, United Arab Emirates.
  • The BaaS forecast includes platform users, fee value and platform revenue split by service.
  • Interactive scenario tool allowing users to manipulate Juniper Research’s data for 5 different metrics.
  • Access to the full set of forecast data of more than 83 tables and nearly 38,000 datapoints.

Juniper Research’s highly granular IFxls (interactive Excels) enable clients to manipulate our forecast data and charts to test their own assumptions, by using the interactive scenario tool, and compare select markets side by side in customised charts and tables. IFxls greatly increase clients’ ability to both understand a particular market and to integrate their own views into the model.

FORECAST SUMMARY

Segment splits for:

  • Current Accounts
  • Card Issuing
  • Wealth Management & Savings
  • Prepaid Cards
  • Business Accounts

Geographical splits: 60 countries
Number of tables: 83 tables
Number of datapoints: Nearly 38,000 datapoints

Harvest: Our online data platform, harvest, contains the very latest market data and is updated throughout the year. This is a fully featured platform; enabling clients to better understand key data trends and manipulate charts and tables, overlaying different forecasts within the one chart – using the comparison tool. Empower your business with our market intelligence centre, and get alerted whenever your data is updated.
Interactive Excels (IFxl): Our IFxl tool enables clients to manipulate both forecast data and charts, within an Excel environment, to test their own assumptions using the interactive scenario tool and compare select markets side by side in customised charts and tables. IFxls greatly increase a clients’ ability to both understand a particular market and to integrate their own views into the model.

보고서 구성 및 가격표

  • 시장 동향, 전략, 예측 보고서(PDF)
    Market trends, strategies and forecasts report (pdf)
  • 시장 데이터 및 예측(Excel)
    Market data & forecasts – All topic data and interactivity (xls)
  • 최신 데이터에 대한 12개월 액세스
    harvest market data platform (12 months’ online access)
GBP 2,990

[보도자료]

TOTAL BANKING-AS-A-SERVICE PLATFORM REVENUE TO REACH OVER $38 BILLION GLOBALLY BY 2027, AS BRANDS RACE TO LEVERAGE UPSELL OPPORTUNITIES
Hampshire, UK – 26th September 2022: A new study from Juniper Research has found that the total BaaS (Banking-as-a-Service) platform revenue will exceed $38 billion by 2027; rising from $11 billion in 2022. The rapid growth of 240% will be driven by BaaS’ ability to deepen relationships between brands and their customers by providing a user-friendly banking and payments experience.
영국 햄프셔 – 2022년 9월 26일: Juniper Research의 새로운 연구에 따르면 2027년까지 총 BaaS(Banking-as-a-Service) 플랫폼 수익이 380억 달러를 초과할 것으로 나타났습니다. 2022년에는 110억 달러에서 증가할 것입니다. 240%의 빠른 성장은 사용자 친화적인 뱅킹 및 결제 경험을 제공함으로써 브랜드와 고객 간의 관계를 심화하는 BaaS의 능력에 의해 주도될 것입니다.

 

BaaS enables non-banking companies to offer their customers financial services without owning a banking licence or infrastructure. This allows brands to generate new revenue without using time and resources to generate new capabilities in house.

To find out more, see the new report: Banking-as-a-Service: Segment Analysis, Competitor Leaderboard & Market Forecasts 2022-2027
Download the free whitepaper: The Rise of BaaS (Banking-as-a-Service)

Sector Leaders

The research assessed the top 15 BaaS vendors within the global market and ranked the top 3 vendors as follows:
Green Dot
Marqeta
Solaris

BaaS(서비스형 블록체인) 시장 예측 2022-2027년

 

Juniper Research evaluated each vendor based on the same criteria, which included distribution and partnerships, breadth of offering and future business prospects in BaaS. The research found that Green Dot leads the BaaS market largely due to its strong partnerships; specifically with large retailers such as Apple and Walmart. Additionally, it highlights Green Dot’s impressive array of banking and payments solutions, including card issuance, custom rewards and payroll services.

Marqeta also ranks well due to its impressive international presence; being able to leverage a competitive position when onboarding multinational customers. Similarly to Green Dot, Solaris’ success stems from its large volume of partnerships that have been achieved through its established brand, coupled with the ease of integration and technological support offered with all its services.

Research author Dominique Tetnowski explained: “As digital banking is becoming increasingly advanced, pressure is on fintechs to innovate their BaaS capabilities to exceed user expectations. Offering a solutions portfolio in BaaS that has all the capabilities needed to offer banking services means that enterprises can focus on delivering a superior user experience, which is critical in an increasingly competitive banking environment.”

Juniper Research provides research and analytical services to the global hi-tech communications sector; providing consultancy, analyst reports, and industry commentary.


목차

Contents

1. Banking as a Service – Key Takeaways & Strategic Recommendations

1.1 Key Takeaways ………….5
1.2 Strategic Recommendations ……….6

2. Banking-as-a-Service – Market Landscape

2.1 Introduction…………..82.1.1 Definitions & Scope……….8
2.1.2 Functionalities of BaaS …………8
Figure 2.1: How BaaS Works …………8
Figure 2.2: How APIs Work ………..8
2.2 Current Market Landscape………….9
2.2.1 BaaS versus BaaP………….9
Figure 2.3: BaaS versus BaaP ……….9
2.2.2 BaaS & Open Banking……….9
Figure 2.4: How Open Banking Works ……… 10
2.2.3 BaaS Applications: Effective Use cases……..11
2.3 Current Trends……………11
2.3.1 Increase in Digital Payments………11
Figure 2.5: Smartphone Penetration in 2021 (%), Split by the Top 25 Countries 12
2.3.2 Embedded Finance: Superapps……..13
2.4 Future Outlook……………14
2.4.1 BaaS for BNPL & POS Financing ………..14
2.4.2 B2B BaaS ………….14
2.4.3 Monetisation Opportunities ………14

3. Banking-as-a-Service –Segment Analysis

3.1 Introduction…………… 18
3.1.1 Small/Medium Enterprises ……….. 18
3.1.2 Large Enterprises……….. 18
3.1.3 Fintechs…………… 19
3.1.4 Banks…………… 19
3.1.5 Consumers …………. 20

4. Banking-as-a-Service – Competitor Leaderboard

4.1 Why Read This Report ………. 22
Table 4.1: Juniper Research Competitor Leaderboard: BaaS Vendors …..23
Figure 4.2: Juniper Research Competitor Leaderboard: BaaS Vendors ….24
Table 4.3: Juniper Research Competitor Leaderboard: BaaS Vendors & Positioning ……………24
Table 4.4: Juniper Research Competitor Leaderboard Heatmap: BaaS Vendors 25
4.2 Vendor Profiles………….. 26
4.2.1 11:FS Foundry…………. 26
i. Corporate………….. 26
ii. Geographic Spread …………. 26
iii. Key Clients & Strategic Partnerships ……. 26
iv. High-level View of Offerings………. 26
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities ………….. 26
4.2.2 Bankable …………. 27
i. Corporate………….. 27
ii. Geographic Spread …………. 27
iii. Key Clients & Strategic Partnerships ……. 27
iv. High-level View of Offerings………. 27
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities……………28
4.2.3 BBVA …………28
i. Corporate …………..28
ii. Geographic Spread……….28
iii. Key Clients & Strategic Partnerships ……..28
iv. High-level View of Offerings ……….28
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities……………29
4.2.4 ClearBank…………29
i. Corporate …………..29
ii. Geographic Spread……….29
iii. Key Clients & Strategic Partnerships ……..29
iv. High-level View of Offerings ……….30
v. Juniper Research’s View: Key Strengths & Strategic Development
Opportunities……………30
4.2.5 Column …………30
i. Corporate …………..30
ii. Geographic Spread……….30
iii. Key Clients & Strategic Partnerships ……..30
iv. High-level View of Offerings ……….31
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities……………31
4.2.6 Credi2 …………..31
i. Corporate …………..31
ii. Geographic Spread……….32
iii. Key Clients & Strategic Partnerships ……..32
iv. High-level View of Offerings ……….32
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities……………32
4.2.7 Fidor Bank ……………33
i. Corporate………….. 33
ii. Geographic Spread …………. 33
iii. Key Clients & Strategic Partnerships ……. 33
iv. High-level View of Offerings………. 33
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities ………….. 33
4.2.8 Green Dot …………… 33
i. Corporate………….. 33
ii. Geographic Spread …………. 34
iii. Key Clients & Strategic Partnerships ……. 34
iv. High-level View of Offerings………. 34
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities ………….. 34
4.2.9 Marqeta…………… 35
i. Corporate………….. 35
ii. Geographic Spread …………. 35
iii. Key Clients & Strategic Partnerships ……. 35
iv. High-level View of Offerings………. 35
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities ………….. 35
4.2.10 MatchMove Pay Pte…………. 36
i. Corporate………….. 36
ii. Geographic Spread …………. 36
iii. Key Clients & Strategic Partnerships ……. 36
iv. High-level View of Offerings………. 36
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities ………….. 37
4.2.11 Railsr………….. 37
i. Corporate………….. 37
ii. Geographic Spread …………. 37
iii. Key Clients & Strategic Partnerships ……. 37
iv. High-level View of Offerings ……….37
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities……………38
4.2.12 Solaris …………38
i. Corporate …………..38
ii. Geographic Spread……….38
iii. Key Clients & Strategic Partnerships ……..38
iv. High-level View of Offerings ……….38
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities……………39
4.2.13 Starling Bank………….39
i. Corporate …………..39
ii. Geographic Spread……….40
iii. Key Clients & Strategic Partnerships ……..40
iv. High-level View of Offerings ……….40
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities……………40
4.2.14 The Bancorp Bank…………40
i. Corporate …………..40
ii. Geographic Spread……….41
iii. Key Clients & Strategic Partnerships ……..41
iv. High-level View of Offerings ……….41
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities……………41
4.2.15 Treezor …………..41
i. Corporate …………..41
ii. Geographic Spread……….42
iii. Key Clients & Strategic Partnerships ……..42
iv. High-level View of Offerings ……….42
v. Juniper Research’s View: Key Strengths & Strategic Development Opportunities……………43
4.3 Vendor Analysis & Juniper Research Leaderboard ……. 44
4.3.1 Limitations & Interpretations ……….. 44
Table 4.5: Juniper Research Competitor Leaderboard Heatmap Scoring Criteria: BaaS ……………..45

5. Banking-as-a-Service – Market Forecasts

5.1 Introduction…………… 47
5.2 Methodology & Assumptions ………. 47
Figure 5.1: BaaS Forecast Methodology, Current Accounts …….48
Figure 5.2: BaaS Forecast Methodology, Card Issuing……..49
Figure 5.3: BaaS Forecast Methodology, Wealth Management & Savings …50
Figure 5.4: BaaS Forecast Methodology, Prepaid Cards………51
Figure 5.5: BaaS Forecast Methodology, Business Accounts……52
5.3 BaaS Forecasts…………… 53
5.3.1 Total BaaS Consumer Users ……… 53
Figure & Table 5.6: Total Number of B2C BaaS Users (m), Split by 8 Key Regions, 2022-2027…………….53
5.3.2 Total BaaS Consumer Transaction Volume …….. 54
Figure & Table 5.7: Total BaaS Consumer Current/Checking Account Transaction Volume (m), Split by 8 Key Regions, 2022-2027…….54
5.3.3 Total BaaS Business Transaction Volume……. 55
Figure & Table 5.8: Total BaaS Business Account Transaction Volume (m), Split by 8 Key Regions, 2022-2027………….55
5.3.4 Total BaaS Platform Revenue……….. 56
Figure & Table 5.9: Total BaaS Platform Revenue ($m), Split by 8 Key Regions, 2022-2027…………….56
Table 5.10: Total BaaS Platform Revenue ($m), Split by Service, 2022-2027…56


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