시장보고서
상품코드
1486791

일본의 임베디드 금융 시장 : 금융 유형별, 비즈니스 모델별, 유통 모델별, 최종 용도별, 지역별, 기회 및 예측(2018-2032년)

Japan Embedded Finance Market Assessment, By Finance Type, By Business Model, By Distribution Model, By End-use, By Region, Opportunities and Forecast, FY2018-FY2032

발행일: | 리서치사: Market Xcel - Markets and Data | 페이지 정보: 영문 124 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.

일본의 임베디드 금융 시장 규모는 2025-2032년의 예측 기간 동안 35.58%의 연평균 복합 성장률(CAGR)로 확대되어 2024년 69억 2,000만 달러에서 2032년 790억 1,000만 달러로 성장할 것으로 예상됩니다. 임베디드 금융 시장의 성장은 스마트폰 및 인터넷 사용자 증가, AI 도구를 통한 기술 발전, 금융 및 비금융 플랫폼의 통합, 편의성에 대한 소비자 수요, 핀테크 스타트업 증가, 규제 프레임워크 지원, 금융 포용 이니셔티브, 디지털화 진전 등의 요인에 의해 주도되고 있습니다. 등의 요인에 의해 주도되고 있습니다.

임베디드 금융은 비금융회사가 API나 플랫폼을 통해 금융 상품이나 서비스를 제공하는 것을 의미합니다. 임베디드 금융은 제3자가 제공하는 금융 서비스에 대한 접근과 이용을 기업에 제공합니다. 이 시장은 기존 금융기관과 핀테크 스타트업이 협력하여 혁신적으로 고객 도달 범위를 확대할 수 있는 몇 가지 기회를 제공합니다.

금융기관들이 서비스형 금융(BaaS, Banking-as-a-Service)을 제공하는 가운데, 임베디드 금융은 높은 성장률을 보이고 있습니다. 일본에서는 가상 카드와 QR 코드의 사용이 시장 성장에 크게 기여하고 있습니다. 일본에서는 신용카드가 가장 선호되는 결제 수단으로, 2022년에는 16% 증가한 6,015억 5,400만 달러에 달할 것으로 예상됩니다.

본 보고서는 일본의 임베디드 금융 시장에 대해 조사했으며, 시장 개요와 함께 금융 유형별/비즈니스 모델별/유통 모델별/최종 용도별/지역별 동향, 시장 진출 기업 프로파일 등을 정리하여 전해드립니다.

목차

제1장 조사 방법

제2장 프로젝트의 범위와 정의

제3장 주요 요약

제4장 고객의 소리

제5장 일본의 임베디드 파이낸싱 시장 전망, 2018년-2032년

  • 시장 규모와 예측
  • 금융 유형별
  • 비즈니스 모델별
  • 유통 모델별
  • 최종 용도별
  • 지역별
  • 기업별 시장 점유율(%), 2024년

제6장 시장 매핑, 2024년

제7장 거시환경과 산업 구조

  • 공급 수요 분석
  • 밸류체인 분석
  • PESTEL 분석
  • Porter의 Five Forces 분석

제8장 시장 역학

제9장 주요 시장 진출기업 상황

제10장 구독료 분석

제11장 사례 연구

제12장 주요 시장 진출기업 전망

  • Paidy Co. Limited
  • Credit Saison Co. Limited
  • Sumitomo Mitsui Financial Group Inc.
  • Infcurion Inc.
  • Net Protections Holdings Inc.
  • Origami Inc.
  • Kyash Inc.
  • Credit Engine Inc.
  • Upsider Inc.
  • Smartpay K.K.

제13장 전략적 제안

제14장 문의와 면책사항

LSH 24.06.05

Japan embedded finance market is projected to witness a CAGR of 35.58% during the forecast period FY2025-FY2032, growing from USD 6.92 billion in FY2024 to USD 79.01 billion in FY2032. The growth in the embedded finance market is governed by factors such as the rise in usage of smartphones and internet users, technological advancements with AI tools, integrating finance with non-finance platforms, consumer demand for convenience, rise in fintech startups, supporting regulatory frameworks, financial inclusion initiatives, and rise in digitalization.

Embedded finance means a non-financial company provides financial products and services through APIs and platforms. It provides companies with access to and utilizes financial services provided by third parties. The market has presented several opportunities for established financial institutions and fintech startups to collaborate and expand their customer reach innovatively.

Embedded finance is growing at a high rate as financial institutions are providing Banking-as-a-service (BaaS) offerings. The use of virtual cards and QR codes are significant in Japan leading to the growth of the market. Credit cards are the most favorable method of payment in Japan with an increase of 16 percent amounting to USD 601,554 million in FY2022.

Integrating Financial Services into Non-Financial Platforms

The integration of financial services into non-financial platforms has emerged as a fundamental driver fueling the growth of global embedded finance market. This deliberate fusion flawlessly embeds financial services within the ecosystem of non-financial platforms, primarily transforming how consumers and businesses access and utilize financial tools. Traditional boundaries between financial and non-financial sectors are blurred, providing users with a comprehensive and unified experience. It facilitates non-financial businesses, such as e-commerce platforms, ride-sharing apps, and other digital service providers, to offer various financial services directly through their interfaces.

In 2023, Infcurion provided a wallet station to Tsuruha Group's smartphone payment service "Happay", where users can now conduct payments, and collect points and coupons in the app. As consumers increasingly seek flawless, one-stop solutions, the embedded finance market leverages this demand by embedding financial functionalities where users already engage with services in Japan.

Rise in Smartphone and Internet Users

The adoption rate of smartphones has significantly increased in the past few years. The proliferation of 4G and 5G connectivity has enabled customers to have hassle-free access to conduct payments through smartphones. Moreover, comprehensive growth in the distribution network of smartphone companies has made smartphone devices easily available for end-users. For instance, Samsung and MI are major mobile phone brands in rural India, owing to their pan-India distribution channel, making online payments accessible to the rural population via their mobile phones. According to the Iron Source, Japan has 107.12 million smartphone users, which is 85 percent of the population. Furthermore, the increase in the use of smartphones and the expansion in faster connectivity have enabled retailers and customers to transact payments through their smartphones, which is indirectly propelling the growth of Japan embedded finance market.

Kanto to Dominate Japan Embedded Finance Market

Kanto dominated the Japanese market share in FY2023 owing to the dominance of key market players in the region. Moreover, various embedded finance startups in Tokyo are actively engaging in fundraising initiatives to accelerate the adoption of embedded finance. The regulatory bodies in Japan are actively contemplating policies and regulations to foster innovation and competition in the embedded finance market. They are aiming to maintain a balance between consumer protection and enabling partnerships between financial and non-financial entities. Recently, Smartpay secured USD 7 million in pre-Series A funding to promote expansion and business development efforts in the payment sector.

Also, Kansai is growing faster as Osaka is emerging due to a strong economy and growing tech scenario. The adoption of fintech startups is growing indirectly, leading to the growth of the embedded finance market in the region.

Embedded Payment Segment to Dominate the Market

The embedded payment segment dominated the market as traditional invoicing techniques were replaced with embedded payments, which gave firms a faster and more effective means to receive payments. These payments give customers, an access to other funding sources and make shopping simpler, leading to customer delight. Moreover, partnerships between non-financial platforms and payment provide access to secure, reliable, and flexible payment solutions, facilitating the adoption of embedded payments. In 2024, Infcurion and FreeWay started a business-to-business payment service "FreeWay Invoice Card Payment, Powered by Winvoice" allowing users the facility to switch their payment method, delay payment deadlines, and resolve issues related to sudden financing needs.

The embedded lending segment has the highest CAGR due to the increasing demand for seamless and quick access to funds. With lending options at relevant touch points within non-lending platforms, users are exposed to lending products and encouraged to consider their lending needs. The increased awareness is attributed to the growth of the embedded lending segment.

Future Market Scenario (FY2025 - FY2032)

The embedded finance solution vendors are integrating their services, making them personalized for end-users, which includes AI integration into lending platforms, machine learning for embedded investment programs, and Internet of Things (IoT) integration with embedded payment options which enhance the end-user experience and continuously transform the market.

In February 2024, Credit Engine launched an "AI Negotiation Chat" in its CE Collection service, which is designed to handle overdue receivables.

Key Players Landscape and Outlook

The market is competitive due to the presence of many prominent players. The industry players aim for new product launches and partnerships and collaboration as a strategic method to improve their offerings and expand their customer base. Together with the advancement in technologies, such as AI and ML, the market players are reaching newer heights and boosting the growth of Japan embedded finance market.

In March 2024, Chubb Insurance partnered with Smartpay to develop digital insurance products focusing on the embedded insurance sector in the Japanese market. These products will allow consumers to purchase insurance that suits the product they are purchasing at the point of checkout, at a price that caters to their needs.

Table of Contents

1.Research Methodology

2.Project Scope and 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.Brand Name
    • 4.4.2.Finance Type
    • 4.4.3.Fees and Costs
    • 4.4.4.Awareness
    • 4.4.5.Ease of Use
    • 4.4.6.Security
    • 4.4.7.Promotional Offers and Discounts
  • 4.5.Purpose of Purchase
  • 4.6.Frequency of Purchase
  • 4.7.Customer Support

5.Japan Embedded Finance Market Outlook, FY2018-FY2032

  • 5.1.Market Size & Forecast
    • 5.1.1.By Value
  • 5.2.By Finance Type
    • 5.2.1.Embedded Payment
    • 5.2.2.Embedded Insurance
    • 5.2.3.Embedded Investment
    • 5.2.4.Embedded Banking
    • 5.2.5.Embedded Lending
  • 5.3.By Business Model
    • 5.3.1.Platforms
    • 5.3.2.Enabler
    • 5.3.3.Regular Entity
  • 5.4.By Distribution Model
    • 5.4.1.Own Platform
    • 5.4.2.Third Party Platforms
  • 5.5.By End-use
    • 5.5.1.Retail and E-Commerce
    • 5.5.2.Healthcare
    • 5.5.3.Transportation and Logistics
    • 5.5.4.Manufacturing
    • 5.5.5.Travel and Entertainment
    • 5.5.6.Others
  • 5.6.By Region
    • 5.6.1.Hokkaido
    • 5.6.2.Tohoku
    • 5.6.3.Kanto
    • 5.6.4.Chubu
    • 5.6.5.Kinki/Kansai
    • 5.6.6.Chugoku
    • 5.6.7.Shikoku
    • 5.6.8.Kyushu
  • 5.7.By Company Market Share (%), FY2024

6.Market Mapping, FY2024

  • 6.1.By Finance Type
  • 6.2.By Business Model
  • 6.3.By Distribution Model
  • 6.4.By End-use
  • 6.5.By Region

7.Macro Environment and Industry Structure

  • 7.1.Supply Demand Analysis
  • 7.2.Value Chain Analysis
  • 7.3.PESTEL Analysis
    • 7.3.1.Political Factors
    • 7.3.2.Economic System
    • 7.3.3.Social Implications
    • 7.3.4.Technological Advancements
    • 7.3.5.Environmental Impacts
    • 7.3.6.Legal Compliances and Regulatory Policies (Statutory Bodies Included)
  • 7.4.Porter's Five Forces Analysis
    • 7.4.1.Supplier Power
    • 7.4.2.Buyer Power
    • 7.4.3.Substitution Threat
    • 7.4.4.Threat from New Entrant
    • 7.4.5.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.Subscription Fee Analysis

11.Case Studies

12.Key Players Outlook

  • 12.1.Paidy Co. Limited
    • 12.1.1.Company Details
    • 12.1.2.Key Management Personnel
    • 12.1.3.Products and Services
    • 12.1.4.Financials (As reported)
    • 12.1.5.Key Market Focus and Geographical Presence
    • 12.1.6.Recent Developments
  • 12.2.Credit Saison Co. Limited
  • 12.3.Sumitomo Mitsui Financial Group Inc.
  • 12.4.Infcurion Inc.
  • 12.5.Net Protections Holdings Inc.
  • 12.6.Origami Inc.
  • 12.7.Kyash Inc.
  • 12.8.Credit Engine Inc.
  • 12.9.Upsider Inc.
  • 12.10.Smartpay K.K.

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 and Disclaimer

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