시장보고서
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1483125

네오뱅킹 시장 평가 : 계좌 유형별, 용도별, 서비스별, 지역별, 기회, 예측(2017-2031년)

Neobanking Market Assessment, By Account Type, By Application, By Service, By Region, Opportunities and Forecast, 2017-2031F

발행일: | 리서치사: Market Xcel - Markets and Data | 페이지 정보: 영문 215 Pages | 배송안내 : 3-5일 (영업일 기준)

    
    
    


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세계 네오뱅킹 시장 규모는 2024-2031년 예측 기간 동안 31.38%의 CAGR로 2023년 855억 1,000만 달러에서 2031년 7,590억 5,000만 달러로 성장할 것으로 예측됩니다. 수수료 및 비용 절감, 접근성 및 편의성, 빠른 계좌 개설, 디지털화, 금융 포용성 등의 요인이 세계 네오뱅킹 시장의 성장에 기여하고 있습니다. 또한 고객 선호도 변화, 신기술 수용 확대, 규제 프레임워크, 컴플라이언스, 기술 발전, 스마트폰 및 인터넷 사용률 증가 등도 세계 네오뱅킹 시장의 성장 요인으로 작용하고 있습니다. 네오뱅크는 온라인으로 운영되는 디지털 뱅킹 플랫폼으로, 고객에게 번거로움 없이 완벽한 경험을 제공하는 디지털 뱅킹 플랫폼입니다.

대형 은행들은 새로운 기술과 변화하는 고객 니즈에 대한 대응이 늦어지고 있는 반면, 신흥 디지털 은행들은 적극적으로 서비스를 이용하는 많은 사용자들을 확보하고 있습니다. 연방예금보험공사에 따르면, 2023년 기존 은행들은 미국 전역에서 2,500개 이상의 지점을 잃을 것으로 예상됩니다. 소비자의 약 71%가 온라인으로 계좌를 관리하는 것을 선호하며, 밀레니얼 세대는 74%, Z세대는 68%입니다. AI 도구와 함께 온라인 뱅킹 시스템은 시장을 크게 성장시킬 것으로 보입니다.

이 보고서는 세계 네오뱅킹 시장에 대해 조사했으며, 시장 개요와 함께 계좌 유형별, 용도별, 서비스별, 지역별 동향, 시장 진입 기업 개요 등을 제공합니다.

목차

제1장 조사 방법

제2장 프로젝트 범위와 정의

제3장 주요 요약

제4장 고객의 소리

제5장 세계의 네오뱅킹 시장 전망, 2017-2031년

  • 시장 규모와 예측
  • 계좌 유형별
  • 용도별
  • 서비스별
  • 지역별
  • 기업별 시장 점유율(%), 2023년

제6장 세계의 네오뱅킹 시장 전망, 지역별, 2017-2031년

  • 북미
  • 유럽
  • 남미
  • 아시아태평양
  • 중동 및 아프리카

제7장 시장 매핑, 2023년

제8장 거시적 환경과 산업 구조

  • 수급 분석
  • 규제 프레임워크와 컴플라이언스
  • 밸류체인 분석
  • PESTEL 분석
  • Porter's Five Forces 분석

제9장 시장 역학

제10장 주요 진출 기업 상황

제11장 계좌 개설 수수료 가격 분석

제12장 사례 연구

제13장 주요 진출 기업 전망

  • NU Pagamentos S.A.
  • Social Finance Inc.
  • Chime Financial Inc.
  • Revolut Limited
  • N26 GmbH
  • Monzo Bank Limited
  • Atom Bank Plc.
  • Starling Bank Limited
  • Movencorp Inc.,
  • Ubank Limited

제14장 전략적 제안

제15장 문의와 면책사항

ksm 24.05.31

Global neobanking market is projected to witness a CAGR of 31.38% during the forecast period 2024-2031, growing from USD 85.51 billion in 2023 to USD 759.05 billion in 2031. Factors such as reduction in fees and costs, easy accessibility and convenience, fast account opening, digitalization, and financial inclusion are contributing to the growth of global neobanking market. Also, changing customer preferences, increasing acceptance of new technology, regulatory framework, and compliance, technological advancements, and rise in usage of smartphones and internet are responsible for the growth of global neobanking market. Neobanks are digital banking platforms that operate online and offer customers a flawless and hassle-free experience.

Major banks have been slower in adapting to newer technologies and changing customer requirements, but start-up digital banks have gained a large user base actively using their services. According to the Federal Deposit Insurance Corporation, traditional banks have lost over 2,500 branches across America in 2023. Around 71 percent of the consumers prefer to manage their accounts online with millennials at 74 percent and Generation Z at 68 percent. Together with AI tools online banking systems will boost the market to great heights.

Rising Digitalization in Banking Sector Driving the Market

The rise in demand for digitalization in banking activities across the world is leading to growth in global neobanking market. The development of neo-banks has been fastened by the increased digitization of banking activity. Government policies of tight movement and travel limitations have forced consumers to use digital banking systems, which positively impact the utilization of the services. Due to robust technology, neobanks are now more effective, efficient, and innovative. The fact that neo-banks are completely digital assists in automating transactional data, allowing the neo-bank to focus more on advanced goods and services. It has changed for the better to realize its full potential by integrating new technologies such as analytics, artificial intelligence, voice interfaces, and others. Around 71% of global businesses are now digital and financial service institutions are expanding digitally. Capital One's Eno, a personal banking assistant, has recently been upgraded with a fraud detection engine that automatically warns customers about fraud in real time and, if required, blocks their card.

Reduced Fees and Innovative Services to Boost the Market

Reduced fees and costs and personalized and innovative services significantly impacted the growth of neobanks in the financial services industry. Reduced costs and fees are one of the most compelling arguments for neobanks' rapid adoption in their ability to provide services at much-reduced fees and costs than traditional banks. Neobanks conducts its business with minimum physical infrastructure and focuses on digital services to prevent the overhead expenses of keeping physical branches open. It can pass on savings to its customers through lower fees for a variety of services such as transaction fees, foreign exchange fees, and account management fees, due to its cost-effective strategy. Customers are becoming more attracted to neobanks as they seek justified and transparent financial services.

In June 2023, Zepz launched Sendwave Pay which simplifies the way of sending funds to other countries in which the account holder can save up to 25 percent on transaction fees on payments to Kenya, Ghana, Tanzania, Uganda, Nigeria, and Liberia. People from tech-savvy millennials to small business owners are drawn to the idea of avoiding the numerous fees that traditional banks frequently demand for each service.

Europe Dominates the Market

Europe accounted for the largest market share in the global neobanking market. The regional market's growth can be attributed to the emergence of innovative technologies and AI tools and their early adoption. Moreover, companies are focused on developing new product platforms and forming partnerships to strengthen their position in the global neobanking market. Various regional neobanks have developed robust distribution channels, creating opportunities for online banking activities.

Asia-Pacific is the fastest growing region due to rising adoption of internet services, rise in usage of smartphones, and minimizing operating costs which will in turn boost the growth of global neobanking market in the region. Factors such as easy and efficient banking services and the rise in digital-only banks across countries including Japan, India, and China are expected to contribute to the growth of Asia-Pacific neobanking market over the forecast period.

Business Accounts Dominate the Global Neobanking Market Share

The business account segment dominates the market with the largest share of revenue. Neobanking has become a popular method for businesses worldwide to make large-scale payouts. The streamlined processes and user-friendly features of neobank platforms improve the efficiency of disbursals to vendors and other stakeholders while contributing to the growth by reducing the need for manual intervention.

Neobanks uses a user-friendly interface designed to protect against cyber threats and improve the online savings account environment. They are equipped to detect and respond to cyber-attacks within the banking network quickly. Moreover, customers can securely make international transactions with enhanced safety measures. For instance, Starling Bank, in 2023 launched a "Fixed Saver" product offering 3.25% on deposits between 2,000 GBP to 1 million GBP.

Enterprise Segment Rule the Market

The enterprise segment has the highest market share in global neobanking market. These platforms offer services customized for enterprises such as credit, transaction, and asset management. Neobank service providers that cater to small and medium-sized enterprises (SMEs) are expanding their product offerings by acquiring businesses to enhance the overall customer experience. SME neobank ZikZuk acquired TaxSpanner in November 2022 to provide customers with a seamless tax filing platform besides managing banking and payments.

The personal segment is experiencing significant growth in the forecast period owing to the increasing usage of smartphones providing consumers to easily adopt neobanking services, which are user-friendly interfaces and convenient. Through mobile apps, these services offer a hassle-free experience for money transfers and a mobile banking facility.

Future Market Scenario (2024 - 2031F)

Revolut Business launched RevTag in September 2023, an instant and free ecosystem for cross-border payments. It provides businesses with the stability to pay employees across 150 countries and regions worldwide.

In August 2023, Atom Bank added a new option through which funds can be transferred directly from the existing Instant Saver when we want to open a new fixed saver. This feature will make it easier to manage savings in the Atom app. These technological upgrades are making it more accessible for customers, making the global neobanking market soar high in the coming years.

Key Players Landscape and Outlook

The key market players are investing steadily in research and development to expand their products indicating the growth in global neobanking market. Market participants are undertaking a variety of strategic activities to expand their global footprint, with developments such as new product launches, contractual agreements, mergers and acquisitions, higher investments, and collaboration with other organizations.

In March 2024, Revolut launched the Point-of-Sale iPad application for hospitality industry businesses. It allows users to track sales trends and inventory turnover levels and helps in decision-making. The transaction fees start at 0.8% + GBP 0.02. Its user-friendly interface and advanced features streamline the way businesses manage store operations, while the low transaction fees and 24-hour settlement activity ensure easy access to funds without business delays.

Table of Contents

1.Research Methodology

2.Project Scope & Definitions

3.Executive Summary

4.Voice of Customer

  • 4.1.Demographics (Age/Cohort Analysis - Baby Boomers and GenX, Millennials, Gen Z; Gender; Income - Low, Mid and High; Geography; Nationality; etc.)
  • 4.2.Market Awareness and Product Information
  • 4.3.Brand Awareness and Loyalty
  • 4.4.Factors Considered in Purchase Decision
    • 4.4.1.Account Type
    • 4.4.2.Account Opening Fees
    • 4.4.3.Service
    • 4.4.4.Interest Rate
    • 4.4.5.Tenure
    • 4.4.6.Security and Trustworthiness
    • 4.4.7.Promotional Offers & Discounts
  • 4.5.Customer Support

5.Global Neobanking Market Outlook, 2017-2031F

  • 5.1.Market Size & Forecast
    • 5.1.1.By Value
  • 5.2.By Account Type
    • 5.2.1.Savings Account
    • 5.2.2.Business Account
  • 5.3.By Application
    • 5.3.1.Enterprises
    • 5.3.2.Personal
    • 5.3.3.Others
  • 5.4.By Service
    • 5.4.1.Mobile Banking
    • 5.4.2.Payments and Money Transfer
    • 5.4.3.Checking/Savings Account
    • 5.4.4.Loans and Insurance
    • 5.4.5.Investments
    • 5.4.6.Others
  • 5.5.By Region
    • 5.5.1.North America
    • 5.5.2.South America
    • 5.5.3.Europe
    • 5.5.4.Asia-Pacific
    • 5.5.5.Middle East & Africa
  • 5.6.By Company Market Share (%), 2023

6.Global Neobanking Market Outlook, By Region, 2017-2031F

  • 6.1.North America*
    • 6.1.1.Market Size & Forecast
      • 6.1.1.1.By Value
    • 6.1.2.By Account Type
      • 6.1.2.1.Savings Account
      • 6.1.2.2.Business Account
    • 6.1.3.By Application
      • 6.1.3.1.Enterprises
      • 6.1.3.2.Personal
      • 6.1.3.3.Others
    • 6.1.4.By Service
      • 6.1.4.1.Mobile Banking
      • 6.1.4.2.Payments and Money Transfer
      • 6.1.4.3.Checking/Savings Account
      • 6.1.4.4.Loans and Insurance
      • 6.1.4.5.Investments
      • 6.1.4.6.Others
    • 6.1.5.United States*
      • 6.1.5.1.Market Size & Forecast
        • 6.1.5.1.1.By Value
      • 6.1.5.2.By Account Type
        • 6.1.5.2.1.Savings Account
        • 6.1.5.2.2.Business Account
      • 6.1.5.3.By Application
        • 6.1.5.3.1.Enterprises
        • 6.1.5.3.2.Personal
        • 6.1.5.3.3.Others
      • 6.1.5.4.By Service
        • 6.1.5.4.1.Mobile Banking
        • 6.1.5.4.2.Payments and Money Transfer
        • 6.1.5.4.3.Checking/Savings Account
        • 6.1.5.4.4.Loans and Insurance
        • 6.1.5.4.5.Investments
        • 6.1.5.4.6.Others
    • 6.1.6.Canada
    • 6.1.7.Mexico

All segments will be provided for all regions and countries covered

  • 6.2.Europe
    • 6.2.1.Germany
    • 6.2.2.France
    • 6.2.3.Italy
    • 6.2.4.United Kingdom
    • 6.2.5.Russia
    • 6.2.6.Netherlands
    • 6.2.7.Spain
    • 6.2.8.Turkey
    • 6.2.9.Poland
  • 6.3.South America
    • 6.3.1.Brazil
    • 6.3.2.Argentina
  • 6.4.Asia-Pacific
    • 6.4.1.India
    • 6.4.2.China
    • 6.4.3.Japan
    • 6.4.4.Australia
    • 6.4.5.Vietnam
    • 6.4.6.South Korea
    • 6.4.7.Indonesia
    • 6.4.8.Philippines
  • 6.5.Middle East & Africa
    • 6.5.1.Saudi Arabia
    • 6.5.2.UAE
    • 6.5.3.South Africa

7.Market Mapping, 2023

  • 7.1.By Account Type
  • 7.2.By Application
  • 7.3.By Service
  • 7.4.By Region

8.Macro Environment and Industry Structure

  • 8.1.Supply Demand Analysis
  • 8.2.Regulatory Framework and Compliance
  • 8.3.Value Chain Analysis
  • 8.4.PESTEL Analysis
    • 8.4.1.Political Factors
    • 8.4.2.Economic System
    • 8.4.3.Social Implications
    • 8.4.4.Technological Advancements
    • 8.4.5.Environmental Impacts
    • 8.4.6.Legal Compliances and Regulatory Policies (Statutory Bodies Included)
  • 8.5.Porter's Five Forces Analysis
    • 8.5.1.Supplier Power
    • 8.5.2.Buyer Power
    • 8.5.3.Substitution Threat
    • 8.5.4.Threat from New Entrant
    • 8.5.5.Competitive Rivalry

9.Market Dynamics

  • 9.1.Growth Drivers
  • 9.2.Growth Inhibitors (Challenges and Restraints)

10.Key Players Landscape

  • 10.1.Competition Matrix of Top Five Market Leaders
  • 10.2.Market Revenue Analysis of Top Five Market Leaders (in %, 2023)
  • 10.3.Mergers and Acquisitions/Joint Ventures (If Applicable)
  • 10.4.SWOT Analysis (For Five Market Players)
  • 10.5.Patent Analysis (If Applicable)

11.Account Opening Fees Pricing Analysis

12.Case Studies

13.Key Players Outlook

  • 13.1.NU Pagamentos S.A.
    • 13.1.1.Company Details
    • 13.1.2.Key Management Personnel
    • 13.1.3.Products & Services
    • 13.1.4.Financials (As reported)
    • 13.1.5.Key Market Focus & Geographical Presence
    • 13.1.6.Recent Developments
  • 13.2.Social Finance Inc.
  • 13.3.Chime Financial Inc.
  • 13.4.Revolut Limited
  • 13.5.N26 GmbH
  • 13.6.Monzo Bank Limited
  • 13.7.Atom Bank Plc.
  • 13.8.Starling Bank Limited
  • 13.9.Movencorp Inc.,
  • 13.10.Ubank Limited

Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work

14.Strategic Recommendations

15.About Us & Disclaimer

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