시장보고서
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인도의 네오뱅킹 시장 평가 : 계정 유형, 용도, 서비스, 사용자 연령, 지역별, 기회, 예측(2018-2032년)

India Neobanking Market Assessment, By Account Type, By Application, By Service, By Age of Users, By Region, Opportunities and Forecast, FY2018-FY2032F

발행일: | 리서치사: Market Xcel - Markets and Data | 페이지 정보: 영문 135 Pages | 배송안내 : 3-5일 (영업일 기준)

    
    
    


■ Add-on 가능: 고객의 요청에 따라 일정한 범위 내에서 Customization이 가능합니다. 자세한 사항은 문의해 주시기 바랍니다.
■ 보고서에 따라 최신 정보로 업데이트하여 보내드립니다. 배송기일은 문의해 주시기 바랍니다.

인도 네오뱅킹 시장 규모는 2024년 93억 8,000만 달러에서 2024년부터 2031년까지 예측 기간 동안 42.16%의 CAGR을 기록하며 2031년에는 1,564억 7,000만 달러 규모로 성장할 것으로 예상됩니다.

인도 네오뱅킹 시장의 성장 요인으로는 수수료 및 비용 절감, 접근성 및 편의성, 빠른 계좌 개설, 디지털화, 금융 포용성, 고객 선호도 변화 및 신기술에 대한 빠른 적응, 규제 프레임워크 및 컴플라이언스, 기술 발전, 스마트폰 및 인터넷 사용률 증가 등을 꼽을 수 있습니다. 기술 발전, 스마트폰과 인터넷 이용률의 상승 등을 들 수 있습니다. 네오뱅킹은 온라인으로 운영되는 디지털 뱅킹 플랫폼으로, 고객에게 번거로움 없이 완벽한 온라인 경험을 제공합니다.

대형 은행들은 새로운 기술과 변화하는 고객 니즈에 대한 대응이 늦어지고 있으며, 신흥 디지털 은행들이 적극적으로 서비스를 이용하는 많은 사용자들을 확보해 나가고 있습니다. 인도에서는 2023년 인구의 약 26%가 네오 뱅크를 이용하고 있으며, 네오 뱅크의 계좌 보유자 수는 3억 7,120만 명에 달합니다. 이러한 성공률은 네오뱅크가 제공하는 고객 편의성, 비용 절감 및 24시간 고객 지원으로 인한 것입니다. 인도는 2024년 3월에 인터넷 사용자 수가 8억 2,000만 명을 넘어설 것으로 예상되며, 이러한 인터넷 보급률의 증가는 전 세계 네오뱅킹 시장의 성장을 가져온 요인 중 하나입니다.

은행업의 디지털화 진전이 시장을 주도:

네오뱅킹의 발전은 은행 업무의 디지털화 진전에 따라 가속화되고 있습니다. 전 세계적으로 은행 업무의 디지털화에 대한 수요가 증가하면서 인도 네오뱅킹 시장이 성장하고 있으며, COVID-19 팬데믹 기간 동안 정부의 엄격한 이동 및 여행 제한 정책으로 인해 소비자들은 디지털 뱅킹 시스템을 이용하게 되었고, 이는 서비스 이용에 긍정적인 영향을 미쳤습니다.

인도의 네오뱅킹 시장을 조사했으며, 시장 정의와 개요, 시장 규모 추정 및 예측, 각종 부문별·지역별 상세 분석, 산업 구조, 시장 성장에 영향을 미치는 요인 분석, 사례 연구, 경쟁 상황, 주요 기업 개요 등의 정보를 정리하여 전해드립니다.

목차

제1장 조사 방법

제2장 프로젝트 범위와 정의

제3장 주요 요약

제4장 고객의 소리

  • 인구통계
  • 시장 인지도와 제품 정보
  • 브랜드 인지도와 로열티
  • 구입 결정시에 고려되는 요소
  • 고객 서포트
  • 온라인 거래 빈도

제5장 인도의 네오뱅킹 시장 전망

  • 시장 규모와 예측
  • 계좌 유형별
    • 보통예금 계좌
    • 법인 계좌
  • 용도별
    • 기업
    • 개인
    • 기타
  • 서비스별
    • 모바일 뱅킹
    • 지불·송금
    • 당좌예금/보통예금 계좌
    • 대출·보험
    • 투자
    • 기타
  • 사용자 연령별
    • 20세 미만
    • 20-40세
    • 40세 이상
  • 지역별
    • 북부
    • 남부
    • 동부
    • 서부·중부
  • 기업별 시장 점유율

제6장 시장 매핑, 2024년

  • 계좌 유형별
  • 용도별
  • 서비스별
  • 사용자 연령별
  • 지역별

제7장 거시적 환경과 산업 구조

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

제8장 시장 역학

  • 성장 촉진요인
  • 성장 저해요인(과제·제약)

제9장 주요 기업 상황

  • 시장 리더 상위 5개사 경쟁 매트릭스
  • 시장 리더 상위 5개사 시장 매출 분석
  • M&A·합작투자(해당되는 경우)
  • SWOT 분석(참여 5개사)
  • 특허 분석(해당되는 경우)

제10장 계좌 개설 수수료 가격 분석

제11장 사례 연구

제12장 주요 기업 전망

  • MWYN Tech Private Limited(Freo)
  • EpiFi Technologies Private Limited(FI.money)
  • Amica Financial Technologies Private Limited(Jupiter)
  • Instantpay India Limited
  • Fampay Solutions Private Limited
  • Mahila Money Private Limited
  • Finnew Solutions Private Limited(Niyo)
  • Razorpay Technologies Private Limited
  • Zikzuk Technologies Private Limited
  • State Bank of India(YONO)

제13장 전략적 제안

제14장 당사 소개와 면책사항

ksm 24.06.03

India neobanking market is projected to witness a CAGR of 42.16% during the forecast period FY2025-FY2032, growing from USD 9.38 billion in FY2024 to USD 156.47 billion in FY2032. Factors such as reduction in fees and costs, easy accessibility and convenience, fast account opening, digitalization, financial inclusion, changing customer preferences and rapid adaptation of new technology, regulatory framework and compliance, technological advancements, and rise in usage of smartphones and internet are responsible for the growth of India neobanking market. Neobanks are digital banking platforms that are operated online. They provide a flawless online experience to customers for a hassle-free usage.

The major banks have been slower in terms of adaptation to newer technologies and changing customer requirements, but start-up digital banks have been gaining a large user base, which is actively using their services. In India, about 26 percent population were using neobanks in 2023 with neobank users by volume of 371.2 million account holders. The success rate is due to the customer convenience factor, reduced costs, and 24-hour customer support provided by the neobanking companies. The rise in the internet penetration in India is one of the factors which has led to the growth in global neobanking market with more than 820 million active internet users till March 2024.

Rising Digitalization in Banking Sector to Drive the Market

The development of neo-banks has been fastened by the increased digitization of banking activity. The rise in demand for digitalization in banking activities across the world is leading to growth in the India neobanking market. During the COVID-19 pandemic, government policies of tight movement and travel limitations forced consumers to use digital banking systems, which created a positive impact on 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 the automation of transactional data, allowing the neo-bank to focus more on advanced goods and services. According to a press release by the Press Information Bureau, the total number of digital payment transactions volume increased to 11,660 crores in FY2023. It has changed for the better to realize its full potential by integrating new technologies such as analytics, artificial intelligence, voice interfaces, and many more.

Reduced Fees and Innovative Services to Boost the Market

Reduced fees and costs and personalized and innovative services had a significant impact on 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 transactions, foreign exchanges, and account management, through its cost-effective strategy. Customers are becoming more attracted to neobanks as they are looking for justice and transparency in financial services. 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.

South India to Dominate the Market Share

The southern region accounted for the largest market share in India neobanking market. The growth of the region's share in the market can be attributed to the emergence of innovative technologies together with AI tools and early adoption of these technologies. In south, Bangalore is considered one the largest neobanking cities in India. Companies are focused on developing new product platforms and forming partnerships to strengthen their position in the neobanking market. Various neobanks in the region have developed robust distribution channels creating opportunities for online banking activities.

Western India is the fastest growing region due to the adoption of internet services, the rise in usage of smartphones, and minimizing operating costs which will boost the growth of India neobanking market. Factors such as easy and efficient banking services and the rise in digital-only banks across the region are expected to contribute to the growth of India neobanking market in west and central India over the forecast period.

Savings Accounts Dominated the Market

The savings account segment dominates the market by gaining the largest share of revenue, owing to the emerging population in the country. Neobanking has become a popular method for consumers to make large-scale payments. The streamlined processes and user-friendly features of neobank platforms improve efficiency and contribute to growth by reducing the need for manual intervention. Maximum neobanks in India have the savings account feature.

In 2023, the YONO app was used to obtain 64 percent of all savings accounts. 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. Business accounts are fast-growing due to several startup companies launching in the country which would require them to make payments on a large scale and across different countries.

Personal Segment Rule the Market

The personal segment has the highest market share in India neobanking market. These platforms offer services customized personally owing to the usage of smartphones, providing consumers to adopt neobanking services, which are user-friendly and convenient easily. These mobile apps and services offer a hassle-free experience for money transfers and payments and a mobile banking facility. 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. Multiple neobank startups are coming up with offerings targeted toward small businesses by providing them with a portfolio of financial services. SME neobank ZikZuk acquired TaxSpanner in November 2022 to provide customers with a seamless tax filing platform besides managing banking and payments.

Future Market Scenario (2025 - 2032F)

In April 2024, Razorpay launched its own UPI infrastructure "UPI Switch" in partnership with Airtel Payments Bank. It is a next-generation cloud-based solution designed to handle 10,000 transactions per minute boosting the success rate by 4-5 percent.

State Bank of India's YONO, in July 2023, launched inter operable cardless cash withdrawal facility which will allow users to generate a QR code through the app which they can scan at the ATM to withdraw cash. These upgrades in technology make it more accessible for customers to make the neobanking market soar skies in the forecast years.

Key Players Landscape and Outlook

The key market players are investing steadily in research and development to expand their products indicating the growth of global neobanking market. Market participants are undertaking a variety of strategic activities to expand their Indian footprints, with developments related to new product launches, contractual agreements, mergers and acquisitions, higher investments, and collaboration with other organizations. Neo Banks specialize in the needs of women, teenagers, gig economy, SMSE has been formed and offered lucrative products and schemes to expand the financial umbrella towards all sections of society.

In June 2022, Bengaluru-based startup Freo launched Freo Save which is a digital savings account in partnership with Equitas Small Finance Bank to become a prominent platform providing savings, lending, and wealth-growth products to customers. It will offer an interest rate of 7 percent to consumers for amounts more than USD 6004. 74 (INR 5 lakh) up to USD 240196.8 (INR 2 crores).

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.Application Used
    • 4.4.2.Age
    • 4.4.3.Account Type
    • 4.4.4.Account Opening Fees
    • 4.4.5.Service Type
    • 4.4.6.Security and Trustworthiness
    • 4.4.7.Promotional Offers & Discounts
  • 4.5.Customer Support
  • 4.6.Frequency of Online Transaction

5.India Neobanking Market Outlook, FY2018-FY2032F

  • 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 Age of Users
    • 5.5.1.Less than 20
    • 5.5.2.Between 20-40
    • 5.5.3.Greater than 40
  • 5.6.By Region
    • 5.6.1.North
    • 5.6.2.South
    • 5.6.3.East
    • 5.6.4.West and Central
  • 5.7.By Company Market Share (%), FY2024

6.Market Mapping, FY2024

  • 6.1.By Account Type
  • 6.2.By Application
  • 6.3.By Service
  • 6.4.By Age of Users
  • 6.5.By Region

7.Macro Environment and Industry Structure

  • 7.1.Supply Demand Analysis
  • 7.2.Regulatory Framework and Compliance
    • 7.2.1.Reserve Bank of India
    • 7.2.2.Securities Exchange Board of India
    • 7.2.3.Insurance and Regulatory Development Authority of India
  • 7.3.Value Chain Analysis
  • 7.4.PESTEL Analysis
    • 7.4.1.Political Factors
    • 7.4.2.Economic System
    • 7.4.3.Social Implications
    • 7.4.4.Technological Advancements
    • 7.4.5.Environmental Impacts
    • 7.4.6.Legal Compliances and Regulatory Policies (Statutory Bodies Included)
  • 7.5.Porter's Five Forces Analysis
    • 7.5.1.Supplier Power
    • 7.5.2.Buyer Power
    • 7.5.3.Substitution Threat
    • 7.5.4.Threat from New Entrant
    • 7.5.5.Competitive Rivalry

8.Market Dynamics

  • 8.1.Growth Drivers
  • 8.2.Growth Inhibitors (Challenges and Restraints)

9.Key Players Landscape

  • 9.1.Competition Matrix of Top Five Market Leaders
  • 9.2.Market Revenue Analysis of Top Five Market Leaders (in %, FY2024)
  • 9.3.Mergers and Acquisitions/Joint Ventures (If Applicable)
  • 9.4.SWOT Analysis (For Five Market Players)
  • 9.5.Patent Analysis (If Applicable)

10.Account Opening Fees Pricing Analysis

11.Case Studies

12.Key Players Outlook

  • 12.1.MWYN Tech Private Limited (Freo)
    • 12.1.1.Company Details
    • 12.1.2.Key Management Personnel
    • 12.1.3.Products & Services
    • 12.1.4.Financials (As reported)
    • 12.1.5.Key Market Focus & Geographical Presence
    • 12.1.6.Recent Developments
  • 12.2.EpiFi Technologies Private Limited (FI.money)
  • 12.3.Amica Financial Technologies Private Limited (Jupiter)
  • 12.4.Instantpay India Limited
  • 12.5.Fampay Solutions Private Limited
  • 12.6.Mahila Money Private Limited
  • 12.7.Finnew Solutions Private Limited (Niyo)
  • 12.8.Razorpay Technologies Private Limited
  • 12.9.Zikzuk Technologies Private Limited
  • 12.10.State Bank of India (YONO)

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

13.Strategic Recommendations

14.About Us & Disclaimer

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