세계의 코어 뱅킹 소프트웨어 시장 : 규모, 점유율, 동향 분석(배포 방식별, 최종 용도별, 구성 요소별, 지역별), 전망, 예측

The Global Core Banking Software Market size is expected to reach $25.10 billion by 2032, rising at a market growth of 10.0% CAGR during the forecast period.

The COVID-19 pandemic further accelerated cloud migration, compelling financial institutions to support remote operations and digital-first strategies. Cloud-native platforms also benefit from modern architectural frameworks such as containerization and microservices, which improve system reliability and security. Vendors like Temenos, nCino, Finxact (a Fiserv company), and Mambu have become leading players in the cloud CBS space, often in collaboration with major cloud providers such as Amazon Web Services and Microsoft Azure.

The banking industry is undergoing a significant digital transformation, driven by evolving customer expectations and technological advancements. Modern customers demand seamless, personalized, and accessible banking experiences across multiple channels. To meet these expectations, banks are investing in CBS that offers real-time processing, omnichannel support, and integrated customer relationship management. Thus, digital transformation and the focus on customer-centric banking are compelling banks to adopt advanced CBS solutions.

Additionally, the adoption of cloud computing in the banking sector is revolutionizing the way financial institutions operate. Cloud-based CBS offers scalability, flexibility, and cost-effectiveness, enabling banks to respond swiftly to market changes and customer needs. By migrating to the cloud, banks can reduce their reliance on legacy infrastructure, lower operational costs, and enhance system reliability. Therefore, the shift towards cloud-based CBS is driven by the need for agility, efficiency, and innovation in the banking sector.

However, implementing a modern Core Banking Software (CBS) system requires significant investment, making high implementation costs and extended timelines one of the primary restraints in the market. The transition from legacy systems to modern CBS involves expenses that go beyond software acquisition. Banks must invest in new hardware, system integration, data migration, employee training, and ongoing technical support. In conclusion, many mid-sized and smaller banks delay CBS modernization, fearing financial strain and operational risk.

Deployment Outlook

Based on Deployment, the market is segmented into Cloud and On-premise. on-premise CBS deployment remains prevalent among institutions with legacy infrastructure, complex custom workflows, or regulatory mandates requiring data residency and full system control. These solutions are typically managed internally, offering banks direct oversight of hardware, software, and data. On-premise systems continue to dominate in regions where cloud regulation is evolving slowly, or where large volumes of sensitive data demand tight internal control.

End Use Outlook

Based on End Use, the market is segmented into Banks, Financial Institutions, and Other End Use. Banks represent the largest segment in the CBS market and are the primary drivers of demand for robust, scalable, and secure platforms. Commercial, retail, and cooperative banks depend on CBS to manage customer accounts, process transactions, support lending operations, and integrate digital banking services.

Component Outlook

Based on Component, the market is segmented into Solution (Deposits, Loans, Enterprise Customer Solutions, and Other Solution Type) and Service (Professional Service and Managed Service). The Service segment supports the deployment and lifecycle management of core banking solutions. It includes consulting, integration, customization, migration, testing, training, and support services. As CBS platforms become more complex and adaptable to varied banking environments, the role of services in ensuring successful implementation and long-term performance has become increasingly important.

Regional Outlook

Region-wise, the market is analyzed across North America, Europe, Asia Pacific, and LAMEA. The Core Banking Software Market in North America is witnessing a significant shift toward platform modernization, driven by the growing pressure on financial institutions to deliver seamless, real-time digital services while maintaining operational resilience. With the increasing use of embedded finance, banks in the region are rethinking their core systems to integrate directly into third-party ecosystems such as retail platforms, fintech apps, and enterprise software environments.

Recent Strategies Deployed in the Market

• Mar-2025: Fiserv, Inc. partnered with Republic Bank & Trust Company to implement its DNA core banking platform, enhancing digital transformation, operational efficiency, and real-time transaction processing. The partnership aims to streamline banking processes, reduce manual workloads, and support future growth.
• Feb-2025: Fiserv, Inc. partnered with Third Federal Savings and Loan to implement its DNA core banking system, enhancing real-time transaction processing, operational efficiency, and digital transformation. The platform supports product development and customization, positioning the bank for future growth and improved customer experience.
• Jun-2024: HCLTech expands its partnership with apoBank to provide scalable, secure, and compliant digital foundation services. Leveraging its expertise in Avaloq's core banking system, HCLTech will enhance apoBank's IT infrastructure and cloud services, supporting its digital banking transformation and operational efficiency.
• Jan-2024: Finastra Group Holdings Limited partnered with Newgen Software to enhance loan origination by integrating Newgen's lending solutions with Finastra's LaserPro platform. This API-driven integration streamlines loan documentation, improves compliance, reduces manual effort, and accelerates financial processes for a seamless digital-first banking experience.
• Jun-2023: Temenos AG and Huawei expand their partnership to modernize core banking systems with cloud technology. Leveraging Huawei Cloud, they enhance scalability, cost efficiency, and security for banks, driving digital transformation and financial inclusion, especially in the Asia-Pacific region.

List of Key Companies Profiled

• Capgemini SE
• Finastra Group Holdings Limited (Vista Equity Partners)
• Temenos AG
• HCL Technologies Ltd.
• Oracle Corporation
• Fiserv, Inc.
• Infosys Limited
• SAP SE
• Tata Consultancy Services Ltd.
• Jack Henry & Associates, Inc.

Global Core Banking Software Market Report Segmentation

By Deployment

• Cloud
• On-premise

By End Use

• Banks
• Financial Institutions
• Other End Use

By Component

• Solution
  • Deposits
  • Loans
  • Enterprise Customer Solutions
  • Other Solution Type
• Service
  • Professional Service
  • Managed Service

By Geography

• North America
  • US
  • Canada
  • Mexico
  • Rest of North America
• Europe
  • Germany
  • UK
  • France
  • Russia
  • Spain
  • Italy
  • Rest of Europe
• Asia Pacific
  • China
  • Japan
  • India
  • South Korea
  • Singapore
  • Malaysia
  • Rest of Asia Pacific
• LAMEA
  • Brazil
  • Argentina
  • UAE
  • Saudi Arabia
  • South Africa
  • Nigeria
  • Rest of LAMEA

Table of Contents

Chapter 1. Market Scope & Methodology

• 1.1 Market Definition
• 1.2 Objectives
• 1.3 Market Scope
• 1.4 Segmentation
  • 1.4.1 Global Core Banking Software Market, by Deployment
  • 1.4.2 Global Core Banking Software Market, by End Use
  • 1.4.3 Global Core Banking Software Market, by Component
  • 1.4.4 Global Core Banking Software Market, by Geography
• 1.5 Methodology for the research

Chapter 2. Market at a Glance

• 2.1 Key Highlights

Chapter 3. Market Overview

• 3.1 Introduction
  • 3.1.1 Overview
    • 3.1.1.1 Market Scenario and Composition
• 3.2 Key Factors Impacting the Market
  • 3.2.1 Market Drivers
  • 3.2.2 Market Restraints
  • 3.2.3 Market Opportunities
  • 3.2.4 Market Challenges

Chapter 4. Competition Analysis - Global

• 4.1 Market Share Analysis, 2024
• 4.2 Strategies Deployed in Core Banking Software Market
• 4.3 Porter Five Forces Analysis

Chapter 5. Key Customer Criteria - Global Core Banking Software Market

• 5.1 Scalability and Performance
• 5.2 Modularity and Flexibility
• 5.3 Cloud-Readiness and Deployment Flexibility
• 5.4 API Ecosystem and Open Banking Integration
• 5.5 Security, Privacy, and Regulatory Compliance
• 5.6 Total Cost of Ownership (TCO)
• 5.7 Speed of Implementation and Ease of Upgrades
• 5.8 User Experience (UX) for Staff and Customers
• 5.9 Vendor Reputation, Industry Expertise, and References
• 5.10. Localization, Support, and Post-Sales Service

Chapter 6. Global Core Banking Software Market by Deployment

• 6.1 Global Cloud Market by Region
• 6.2 Global On-premise Market by Region

Chapter 7. Global Core Banking Software Market by End Use

• 7.1 Global Banks Market by Region
• 7.2 Global Financial Institutions Market by Region
• 7.3 Global Other End Use Market by Region

Chapter 8. Global Core Banking Software Market by Component

• 8.1 Global Solution Market by Region
• 8.2 Global Core Banking Software Market by Solution Type
  • 8.2.1 Global Deposits Market by Region
  • 8.2.2 Global Loans Market by Region
  • 8.2.3 Global Enterprise Customer Solutions Market by Region
  • 8.2.4 Global Other Solution Type Market by Region
• 8.3 Global Service Market by Region
• 8.4 Global Core Banking Software Market by Service Type
  • 8.4.1 Global Professional Service Market by Region
  • 8.4.2 Global Managed Service Market by Region

Chapter 9. Global Core Banking Software Market by Region

• 9.1 North America Core Banking Software Market
  • 9.1.1 North America Core Banking Software Market by Deployment
    • 9.1.1.1 North America Cloud Market by Region
    • 9.1.1.2 North America On-premise Market by Region
  • 9.1.2 North America Core Banking Software Market by End Use
    • 9.1.2.1 North America Banks Market by Country
    • 9.1.2.2 North America Financial Institutions Market by Country
    • 9.1.2.3 North America Other End Use Market by Country
  • 9.1.3 North America Core Banking Software Market by Component
    • 9.1.3.1 North America Solution Market by Country
    • 9.1.3.2 North America Core Banking Software Market by Solution Type
      • 9.1.3.2.1 North America Deposits Market by Country
      • 9.1.3.2.2 North America Loans Market by Country
      • 9.1.3.2.3 North America Enterprise Customer Solutions Market by Country
      • 9.1.3.2.4 North America Other Solution Type Market by Country
    • 9.1.3.3 North America Service Market by Country
    • 9.1.3.4 North America Core Banking Software Market by Service Type
      • 9.1.3.4.1 North America Professional Service Market by Country
      • 9.1.3.4.2 North America Managed Service Market by Country
  • 9.1.4 North America Core Banking Software Market by Country
    • 9.1.4.1 US Core Banking Software Market
      • 9.1.4.1.1 US Core Banking Software Market by Deployment
      • 9.1.4.1.2 US Core Banking Software Market by End Use
      • 9.1.4.1.3 US Core Banking Software Market by Component
    • 9.1.4.2 Canada Core Banking Software Market
      • 9.1.4.2.1 Canada Core Banking Software Market by Deployment
      • 9.1.4.2.2 Canada Core Banking Software Market by End Use
      • 9.1.4.2.3 Canada Core Banking Software Market by Component
    • 9.1.4.3 Mexico Core Banking Software Market
      • 9.1.4.3.1 Mexico Core Banking Software Market by Deployment
      • 9.1.4.3.2 Mexico Core Banking Software Market by End Use
      • 9.1.4.3.3 Mexico Core Banking Software Market by Component
    • 9.1.4.4 Rest of North America Core Banking Software Market
      • 9.1.4.4.1 Rest of North America Core Banking Software Market by Deployment
      • 9.1.4.4.2 Rest of North America Core Banking Software Market by End Use
      • 9.1.4.4.3 Rest of North America Core Banking Software Market by Component
• 9.2 Europe Core Banking Software Market
  • 9.2.1 Europe Core Banking Software Market by Deployment
    • 9.2.1.1 Europe Cloud Market by Country
    • 9.2.1.2 Europe On-premise Market by Country
  • 9.2.2 Europe Core Banking Software Market by End Use
    • 9.2.2.1 Europe Banks Market by Country
    • 9.2.2.2 Europe Financial Institutions Market by Country
    • 9.2.2.3 Europe Other End Use Market by Country
  • 9.2.3 Europe Core Banking Software Market by Component
    • 9.2.3.1 Europe Solution Market by Country
    • 9.2.3.2 Europe Core Banking Software Market by Solution Type
      • 9.2.3.2.1 Europe Deposits Market by Country
      • 9.2.3.2.2 Europe Loans Market by Country
      • 9.2.3.2.3 Europe Enterprise Customer Solutions Market by Country
      • 9.2.3.2.4 Europe Other Solution Type Market by Country
    • 9.2.3.3 Europe Service Market by Country
    • 9.2.3.4 Europe Core Banking Software Market by Service Type
      • 9.2.3.4.1 Europe Professional Service Market by Country
      • 9.2.3.4.2 Europe Managed Service Market by Country
  • 9.2.4 Europe Core Banking Software Market by Country
    • 9.2.4.1 UK Core Banking Software Market
      • 9.2.4.1.1 UK Core Banking Software Market by Deployment
      • 9.2.4.1.2 UK Core Banking Software Market by End Use
      • 9.2.4.1.3 UK Core Banking Software Market by Component
    • 9.2.4.2 Germany Core Banking Software Market
      • 9.2.4.2.1 Germany Core Banking Software Market by Deployment
      • 9.2.4.2.2 Germany Core Banking Software Market by End Use
      • 9.2.4.2.3 Germany Core Banking Software Market by Component
    • 9.2.4.3 France Core Banking Software Market
      • 9.2.4.3.1 France Core Banking Software Market by Deployment
      • 9.2.4.3.2 France Core Banking Software Market by End Use
      • 9.2.4.3.3 France Core Banking Software Market by Component
    • 9.2.4.4 Russia Core Banking Software Market
      • 9.2.4.4.1 Russia Core Banking Software Market by Deployment
      • 9.2.4.4.2 Russia Core Banking Software Market by End Use
      • 9.2.4.4.3 Russia Core Banking Software Market by Component
    • 9.2.4.5 Spain Core Banking Software Market
      • 9.2.4.5.1 Spain Core Banking Software Market by Deployment
      • 9.2.4.5.2 Spain Core Banking Software Market by End Use
      • 9.2.4.5.3 Spain Core Banking Software Market by Component
    • 9.2.4.6 Italy Core Banking Software Market
      • 9.2.4.6.1 Italy Core Banking Software Market by Deployment
      • 9.2.4.6.2 Italy Core Banking Software Market by End Use
      • 9.2.4.6.3 Italy Core Banking Software Market by Component
    • 9.2.4.7 Rest of Europe Core Banking Software Market
      • 9.2.4.7.1 Rest of Europe Core Banking Software Market by Deployment
      • 9.2.4.7.2 Rest of Europe Core Banking Software Market by End Use
      • 9.2.4.7.3 Rest of Europe Core Banking Software Market by Component
• 9.3 Asia Pacific Core Banking Software Market
  • 9.3.1 Asia Pacific Core Banking Software Market by Deployment
    • 9.3.1.1 Asia Pacific Cloud Market by Country
    • 9.3.1.2 Asia Pacific On-premise Market by Country
  • 9.3.2 Asia Pacific Core Banking Software Market by End Use
    • 9.3.2.1 Asia Pacific Banks Market by Country
    • 9.3.2.2 Asia Pacific Financial Institutions Market by Country
    • 9.3.2.3 Asia Pacific Other End Use Market by Country
  • 9.3.3 Asia Pacific Core Banking Software Market by Component
    • 9.3.3.1 Asia Pacific Solution Market by Country
    • 9.3.3.2 Asia Pacific Core Banking Software Market by Solution Type
      • 9.3.3.2.1 Asia Pacific Deposits Market by Country
      • 9.3.3.2.2 Asia Pacific Loans Market by Country
      • 9.3.3.2.3 Asia Pacific Enterprise Customer Solutions Market by Country
      • 9.3.3.2.4 Asia Pacific Other Solution Type Market by Country
    • 9.3.3.3 Asia Pacific Service Market by Country
    • 9.3.3.4 Asia Pacific Core Banking Software Market by Service Type
      • 9.3.3.4.1 Asia Pacific Professional Service Market by Country
      • 9.3.3.4.2 Asia Pacific Managed Service Market by Country
  • 9.3.4 Asia Pacific Core Banking Software Market by Country
    • 9.3.4.1 China Core Banking Software Market
      • 9.3.4.1.1 China Core Banking Software Market by Deployment
      • 9.3.4.1.2 China Core Banking Software Market by End Use
      • 9.3.4.1.3 China Core Banking Software Market by Component
    • 9.3.4.2 Japan Core Banking Software Market
      • 9.3.4.2.1 Japan Core Banking Software Market by Deployment
      • 9.3.4.2.2 Japan Core Banking Software Market by End Use
      • 9.3.4.2.3 Japan Core Banking Software Market by Component
    • 9.3.4.3 India Core Banking Software Market
      • 9.3.4.3.1 India Core Banking Software Market by Deployment
      • 9.3.4.3.2 India Core Banking Software Market by End Use
      • 9.3.4.3.3 India Core Banking Software Market by Component
    • 9.3.4.4 South Korea Core Banking Software Market
      • 9.3.4.4.1 South Korea Core Banking Software Market by Deployment
      • 9.3.4.4.2 South Korea Core Banking Software Market by End Use
      • 9.3.4.4.3 South Korea Core Banking Software Market by Component
    • 9.3.4.5 Singapore Core Banking Software Market
      • 9.3.4.5.1 Singapore Core Banking Software Market by Deployment
      • 9.3.4.5.2 Singapore Core Banking Software Market by End Use
      • 9.3.4.5.3 Singapore Core Banking Software Market by Component
    • 9.3.4.6 Malaysia Core Banking Software Market
      • 9.3.4.6.1 Malaysia Core Banking Software Market by Deployment
      • 9.3.4.6.2 Malaysia Core Banking Software Market by End Use
      • 9.3.4.6.3 Malaysia Core Banking Software Market by Component
    • 9.3.4.7 Rest of Asia Pacific Core Banking Software Market
      • 9.3.4.7.1 Rest of Asia Pacific Core Banking Software Market by Deployment
      • 9.3.4.7.2 Rest of Asia Pacific Core Banking Software Market by End Use
      • 9.3.4.7.3 Rest of Asia Pacific Core Banking Software Market by Component
• 9.4 LAMEA Core Banking Software Market
  • 9.4.1 LAMEA Core Banking Software Market by Deployment
    • 9.4.1.1 LAMEA Cloud Market by Country
    • 9.4.1.2 LAMEA On-premise Market by Country
  • 9.4.2 LAMEA Core Banking Software Market by End Use
    • 9.4.2.1 LAMEA Banks Market by Country
    • 9.4.2.2 LAMEA Financial Institutions Market by Country
    • 9.4.2.3 LAMEA Other End Use Market by Country
  • 9.4.3 LAMEA Core Banking Software Market by Component
    • 9.4.3.1 LAMEA Solution Market by Country
    • 9.4.3.2 LAMEA Core Banking Software Market by Solution Type
      • 9.4.3.2.1 LAMEA Deposits Market by Country
      • 9.4.3.2.2 LAMEA Loans Market by Country
      • 9.4.3.2.3 LAMEA Enterprise Customer Solutions Market by Country
      • 9.4.3.2.4 LAMEA Other Solution Type Market by Country
    • 9.4.3.3 LAMEA Service Market by Country
    • 9.4.3.4 LAMEA Core Banking Software Market by Service Type
      • 9.4.3.4.1 LAMEA Professional Service Market by Country
      • 9.4.3.4.2 LAMEA Managed Service Market by Country
  • 9.4.4 LAMEA Core Banking Software Market by Country
    • 9.4.4.1 Brazil Core Banking Software Market
      • 9.4.4.1.1 Brazil Core Banking Software Market by Deployment
      • 9.4.4.1.2 Brazil Core Banking Software Market by End Use
      • 9.4.4.1.3 Brazil Core Banking Software Market by Component
    • 9.4.4.2 Argentina Core Banking Software Market
      • 9.4.4.2.1 Argentina Core Banking Software Market by Deployment
      • 9.4.4.2.2 Argentina Core Banking Software Market by End Use
      • 9.4.4.2.3 Argentina Core Banking Software Market by Component
    • 9.4.4.3 UAE Core Banking Software Market
      • 9.4.4.3.1 UAE Core Banking Software Market by Deployment
      • 9.4.4.3.2 UAE Core Banking Software Market by End Use
      • 9.4.4.3.3 UAE Core Banking Software Market by Component
    • 9.4.4.4 Saudi Arabia Core Banking Software Market
      • 9.4.4.4.1 Saudi Arabia Core Banking Software Market by Deployment
      • 9.4.4.4.2 Saudi Arabia Core Banking Software Market by End Use
      • 9.4.4.4.3 Saudi Arabia Core Banking Software Market by Component
    • 9.4.4.5 South Africa Core Banking Software Market
      • 9.4.4.5.1 South Africa Core Banking Software Market by Deployment
      • 9.4.4.5.2 South Africa Core Banking Software Market by End Use
      • 9.4.4.5.3 South Africa Core Banking Software Market by Component
    • 9.4.4.6 Nigeria Core Banking Software Market
      • 9.4.4.6.1 Nigeria Core Banking Software Market by Deployment
      • 9.4.4.6.2 Nigeria Core Banking Software Market by End Use
      • 9.4.4.6.3 Nigeria Core Banking Software Market by Component
    • 9.4.4.7 Rest of LAMEA Core Banking Software Market
      • 9.4.4.7.1 Rest of LAMEA Core Banking Software Market by Deployment
      • 9.4.4.7.2 Rest of LAMEA Core Banking Software Market by End Use
      • 9.4.4.7.3 Rest of LAMEA Core Banking Software Market by Component

Chapter 10. Company Profiles

• 10.1 Capgemini SE
  • 10.1.1 Company Overview
  • 10.1.2 Financial Analysis
  • 10.1.3 Regional Analysis
  • 10.1.4 SWOT Analysis
• 10.2 Finastra Group Holdings Limited (Vista Equity Partners)
  • 10.2.1 Company Overview
  • 10.2.2 Recent strategies and developments:
    • 10.2.2.1 Partnerships, Collaborations, and Agreements:
• 10.3 Temenos AG
  • 10.3.1 Company Overview
  • 10.3.2 Financial Analysis
  • 10.3.3 Segmental and Regional Analysis
  • 10.3.4 Recent strategies and developments:
    • 10.3.4.1 Partnerships, Collaborations, and Agreements:
  • 10.3.5 SWOT Analysis
• 10.4 HCL Technologies Ltd. (HCL Enterprises)
  • 10.4.1 Company Overview
  • 10.4.2 Financial Analysis
  • 10.4.3 Segmental and Regional Analysis
  • 10.4.4 Research & Development Expenses
  • 10.4.5 Recent strategies and developments:
    • 10.4.5.1 Partnerships, Collaborations, and Agreements:
    • 10.4.5.2 Acquisition and Mergers:
  • 10.4.6 SWOT Analysis
• 10.5 Oracle Corporation
  • 10.5.1 Company Overview
  • 10.5.2 Financial Analysis
  • 10.5.3 Segmental and Regional Analysis
  • 10.5.4 Research & Development Expense
  • 10.5.5 SWOT Analysis
• 10.6 Fiserv, Inc.
  • 10.6.1 Company Overview
  • 10.6.2 Financial Analysis
  • 10.6.3 Segmental and Regional Analysis
  • 10.6.4 Recent strategies and developments:
    • 10.6.4.1 Partnerships, Collaborations, and Agreements:
• 10.7 Infosys Limited
  • 10.7.1 Company Overview
  • 10.7.2 Financial Analysis
  • 10.7.3 Segmental and Regional Analysis
  • 10.7.4 Research & Development Expense
  • 10.7.5 SWOT Analysis
• 10.8 SAP SE
  • 10.8.1 Company Overview
  • 10.8.2 Financial Analysis
  • 10.8.3 Regional Analysis
  • 10.8.4 Research & Development Expense
  • 10.8.5 SWOT Analysis
• 10.9 Tata Consultancy Services Ltd.
  • 10.9.1 Company Overview
  • 10.9.2 Financial Analysis
  • 10.9.3 Segmental and Regional Analysis
  • 10.9.4 Research & Development Expenses
  • 10.9.5 SWOT Analysis
• 10.10. Jack Henry & Associates, Inc.
  • 10.10.1 Company Overview
  • 10.10.2 Financial Analysis
  • 10.10.3 Research & Development Expenses

Chapter 11. Winning Imperatives of Core Banking Software Market