美國開放銀行市場評估：依機構類型、服務類型、部署模型、最終用戶、通路、地區、機會、預測，2017-2031 年

美國開放銀行市場規模預計將從 2023 年的 70.8 億美元成長到 2031 年的 357.9 億美元，在 2024 年至 2031 年的預測期內複合年增長率為 22.45%。在技術創新和不斷變化的消費者期望的推動下，美國開放銀行市場正在經歷轉型。

開放銀行的特點是透過標準化 API 安全共享金融數據，透過促進傳統銀行、金融科技新創公司和第三方供應商之間的合作，正在重塑金融服務的前景。向開放銀行的轉變是出於為消費者提供更個人化、高效和全面的金融體驗的願望。

近年來，課題者銀行和新銀行的崛起正在課題傳統銀行機構的主導地位，並提供優先考慮以客戶為中心的數位優先解決方案。這些靈活的進入者正在利用開放銀行原則提供創新服務，例如即時支付、個人化預算工具和人工智慧驅動的財務建議。因此，市場上現有企業和金融科技顛覆者之間的夥伴關係和合作激增，推動了生態系統的成長和市場的擴張。

該報告研究了美國開放銀行市場，並提供了市場概況，以及依機構類型、服務類型、部署模型、最終用戶、分銷管道、地區和進入市場的公司概況等劃分的趨勢。

目錄

第一章研究方法論

第二章 專案範圍與定義

第三章執行摘要

第四章 客戶回饋

第五章 2017-2031 年美國開放銀行市場展望

• 市場規模及預測
• 透過引擎連接
• 依服務類型
• 依部署模型
• 依最終用戶
• 依分銷渠道
• 依地區
• 依公司劃分的市佔率 (%)，2023 年

第六章 2017-2031 年美國開放銀行市場前景（依地區）

• 北美
• 歐洲
• 南美洲
• 亞太地區
• 中東/非洲

第 7 章 市場測繪，2023 年

第八章 宏觀環境與產業結構

• 供需分析
• 進出口分析
• 價值鏈分析
• PESTEL 分析
• 波特五力分析

第九章市場動態

第十章 主要與企業狀況

第11章價格分析

第十二章案例研究

第十三章 主要進入者展望

• Salt Edge Inc.
• Plaid Financial Ltd.
• TrueLayer Limited
• Token GmbH and Token.io Ltd
• Stripe
• Block, Inc.
• Bud Financial Limited
• The ID Co.
• Yodlee, Inc.
• Conflux Technologies

第十四章 戰略建議

第十五章 查詢及免責聲明

United States open banking market is projected to witness a CAGR of 22.45% during the forecast period 2024-2031, growing from USD 7.08 billion in 2023 to USD 35.79 billion in 2031. Open banking market in the United States is going through a transformative shift driven by technological innovation and constantly evolving consumer expectations.

Open banking, characterized by the secure sharing of financial data through standardized APIs, is reshaping the financial services landscape by fostering collaboration between traditional banks, fintech startups, and third-party providers. The shift towards open banking is fuelled by a desire to deliver consumers more personalized, efficient, and inclusive financial experiences.

In recent years, the rise of challenger banks and neobanks has challenged the dominance of traditional banking institutions, offering digital-first solutions that prioritize customer-centricity. These agile players leverage open banking principles to offer innovative services such as real-time payments, personalized budgeting tools, and AI-driven financial advice. As a result, the market has witnessed a surge in partnerships and collaborations between incumbents and fintech disruptors, driving ecosystem growth and expanding market reach.

Furthermore, regulatory initiatives such as Consumer Financial Data Rights (CFDR) framework and industry-led efforts, such as the Financial Data Exchange (FDX), promote data sharing standards and consumer data rights, providing a regulatory foundation for open banking practices. The regulatory support, coupled with advancements in API standardization and data security, is paving the way for a more interconnected and transparent financial ecosystem.

Consumer Financial Protection Bureau (CFPB) encourages banks and fintech to move forward with open banking. This regulatory framework allows individuals to grant a third-party access to portions of their bank records. On October 19, 2023, the CFPB proposed the Personal Financial Data Rights regulation, which can potentially increase competition, improve financial goods and services, and discourage junk fees. It will empower consumers to reject poor service and instead choose financial institutions that provide better products and rates.

API Adoption and Standardization

The one of the major factors driving the United States open banking market is the adoption of APIs and standardization playing a crucial role in driving innovation, interoperability, and efficiency. Adoption of APIs (Application Programming Interfaces) enables secure data sharing and connectivity between financial institutions, fintech startups, third-party providers and consumers, thus providing the necessary firewall and eliminating the customers' most common concerns regarding the privacy of their financial data. APIs allow banks and financial institutions to securely share customer data with authorized third-party providers (TPPs) while ensuring data privacy and consent management. It enables seamless integration of financial services and applications. APIs empower fintech startups and developers to build innovative financial products and services that leverage banking data. Collaboration between banks and TPPs fosters ecosystem growth and supports the development of customer-centric solutions.

FDX is an industry-led consortium that develops and promotes API standards for secure financial data sharing. FDX specifications provide guidelines for data models, authentication protocols, and API implementation across the financial services ecosystem.

API standardization promotes interoperability between different systems, platforms, and institutions. Standardized APIs ensure compatibility, consistency, and seamless integration across the open banking ecosystem. Standardized APIs adhere to best practices for security, data protection, and regulatory compliance. Common authentication methods, encryption standards, and consent management frameworks enhance trust and mitigate risks.

Fintech Collaboration and Partnerships

Fintech startups and companies play a vital role in the United States open banking market as their partnership is instrumental in driving innovation, creating innovative ideas and expanding market reach. Fintech startups and established financial institutions increasingly leverage strategic alliances to leverage each other's strengths, technologies, and customer bases. Fintech startups bring innovation and agility, developing technologies and solutions that address evolving customer needs. Collaborations with traditional banks provide fintechs with access to banking infrastructure, regulatory expertise, and customer data. Partnerships enable fintechs to tap into the established customer base and distribution channels of banks. Fintechs can reach a wider audience and gain market visibility by integrating their services with banking platforms.

Banks leverage fintech solutions through white-label partnerships, offering branded fintech services to their customers. The approach enhances the bank's digital offerings without heavy investments in technology development. Fintech startups integrate their APIs with bank systems to access customer data securely. It allows for real-time account aggregation, payment initiation, credit scoring, and other value-added services.

Visa completed its EUR 1.8 billion acquisition of Tink in March 2022 and has made it possible for the United States consumers to connect accounts and grant trusted parties access to their financial information. In April 2024, Visa introduced open banking in the United States, leveraging technology from Tink, a recently acquired Swedish vendor. Visa has negotiated data access agreements with merchant banks and fintechs such as Capital One, Fiserv, Jack Henry, Dwolla, and Max Rewards in preparation for the United States debut.

Demand for Innovation and Increasing Competition in the Market

The increasing competition in the open banking market is a significant driver for the United States open banking market as the intensifying competition is constantly driving innovation. As consumers seek more personalized, convenient, and efficient financial services, traditional banks, and fintech startups are under pressure to innovate and differentiate their offerings. This demand for innovation, coupled with increased competition within the financial services industry, is fueling the adoption of open banking practices. The demand for innovation is centered around delivering customer-centric solutions that cater to individual preferences and needs.

Open banking enables the development of personalized budgeting tools, real-time payment services, automated investment platforms, and tailored lending products. Open banking accelerates digital transformation in banks and fintechs by promoting API-driven integrations, cloud-based services, and mobile-first experiences. The shift towards digitalization enhances operational efficiency, reduces costs, and improves consumer accessibility. Open banking facilitates access to rich financial data, which can be leveraged for advanced analytics and AI-driven insights. Banks and fintechs use data analytics to offer predictive financial advice, optimize risk management, and enhance fraud detection capabilities.

Consumer Expectations for Personalization

Consumer expectations for personalization is a powerful driver influencing the evolution of the United States open banking market. As technology advances and customer preferences shift towards personalized experiences, banks and fintech companies are leveraging open banking principles to meet these expectations. Open banking enables banks and fintechs to access consumer financial data with consent, allowing for personalized recommendations based on individual spending habits, financial goals, and lifestyle preferences. It includes tailored investment advice, budgeting tips, and product recommendations. Consumers expect intuitive budgeting tools that analyze transaction data to provide insights into spending patterns and savings opportunities. Open banking APIs facilitate real-time access to account information, empowering consumers to make informed financial decisions. Consumers expect instant payment capabilities that leverage open banking infrastructure for fast and secure transactions. Open banking facilitates real-time payment initiation directly from bank accounts, eliminating the need for traditional payment methods.

Future Market Scenario (2024 - 2031F)

Data privacy and security remain top priorities in global open banking market. Financial institutions are implementing robust security measures, including encryption, tokenization, and secure authentication protocols, to protect customer data and comply with regulatory requirements. The market will witness many market players who will further act and adopt technologies to protect data.

The adoption of open banking APIs will continue to expand, facilitating secure data sharing and interoperability among financial institutions, fintech, and third-party providers. An increasing number of developers will leverage APIs to build innovative financial products and services.

Regulatory frameworks governing open banking will evolve to support innovation while ensuring data privacy and security. Increased collaboration between industry stakeholders and regulators will foster a conducive environment for open banking initiatives.

Key Players Landscape and Outlook

The outlook for the United States open banking market is highly positive, it is expected that the market will continue to grow and expand in the coming years. The market outlook for the United States open banking sector presents a dynamic landscape shaped by technological innovation, regulatory developments, and evolving consumer behaviors. As open banking gains traction, several key factors are driving the market outlook and shaping the future direction of the industry.

As stakeholders navigate opportunities and challenges, the industry is poised for continued growth, driven by technological advancements and consumer-driven demand for personalized financial services. The future of open banking in the United States promises enhanced customer experiences, expanded market reach, and increased financial inclusion, shaping the future of banking and finance in the digital age.

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 Gen X, 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.Interest Rate
  • 4.4.2.Institute Reputation
  • 4.4.3.Financial Flexibility
  • 4.4.4.Loan Sanction Period
• 4.5.Purpose of Purchase
• 4.6.Medium of Purchase
• 4.7.Frequency of Purchase
• 4.8.Recommendations from friends/family
• 4.9.Role of Brand Ambassador or Influencer Marketing on Product/Brand Absorption.

5.United States Open Banking Market Outlook, 2017-2031F

• 5.1.Market Size & Forecast
  • 5.1.1.By Value
• 5.2.By Institution Type
  • 5.2.1.Traditional Banks
  • 5.2.2.Neobanks and Challenger Banks
  • 5.2.3.NBFCs
  • 5.2.4.Credit Unions
  • 5.2.5.Others
• 5.3.By Service Type
  • 5.3.1.Payments
  • 5.3.2.Digital Currencies
  • 5.3.3.Value Added Services (VAS)
  • 5.3.4.Others
• 5.4.By Deployment Model
  • 5.4.1.Cloud
  • 5.4.2.On-premises
  • 5.4.3.Hybrid
• 5.5.By End-user
  • 5.5.1.Retail Customers
    • 5.5.1.1.Self-Employed Individuals / Solo Entrepreneurs
  • 5.5.2.SMEs
    • 5.5.2.1.Small Enterprise
    • 5.5.2.2.Micro Enterprise
  • 5.5.3.Banks
  • 5.5.4.Fintechs
  • 5.5.5.Insurance Companies
  • 5.5.6.Others
• 5.6.By Distribution Channel
  • 5.6.1.Bank Channel
  • 5.6.2.Apps
  • 5.6.3.Distributors
  • 5.6.4.Aggregators
• 5.7.By Region
  • 5.7.1.North America
  • 5.7.2.Europe
  • 5.7.3.South America
  • 5.7.4.Asia-Pacific
  • 5.7.5.Middle East and Africa
• 5.8.By Company Market Share (%), 2023

6.United States Open Banking 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 Institution Type
    • 6.1.2.1.Traditional Banks
    • 6.1.2.2.Neobanks and Challenger Banks
    • 6.1.2.3.NBFCs
    • 6.1.2.4.Credit Unions
    • 6.1.2.5.Others
  • 6.1.3.By Service Type
    • 6.1.3.1.Payments
    • 6.1.3.2.Digital Currencies
    • 6.1.3.3.Value Added Services (VAS)
    • 6.1.3.4.Others
  • 6.1.4.By Deployment Model
    • 6.1.4.1.Cloud
    • 6.1.4.2.On-premises
    • 6.1.4.3.Hybrid
  • 6.1.5.By End-user
    • 6.1.5.1.Retail Customers
      • 6.1.5.1.1.Self-Employed Individuals / Solo Entrepreneurs
    • 6.1.5.2.SMEs
      • 6.1.5.2.1.Small Enterprise
      • 6.1.5.2.2.Micro Enterprise
    • 6.1.5.3.Banks
    • 6.1.5.4.Fintechs
    • 6.1.5.5.Insurance Companies
    • 6.1.5.6.Others
  • 6.1.6.By Distribution Channel
    • 6.1.6.1.Bank Channel
    • 6.1.6.2.Apps
    • 6.1.6.3.Distributors
    • 6.1.6.4.Aggregators
  • 6.1.7.United States*
    • 6.1.7.1.Market Size & Forecast
      • 6.1.7.1.1.By Value
    • 6.1.7.2.By Institution Type
      • 6.1.7.2.1.Traditional Banks
      • 6.1.7.2.2.Neobanks and Challenger Banks
      • 6.1.7.2.3.NBFCs
      • 6.1.7.2.4.Credit Unions
      • 6.1.7.2.5.Others
    • 6.1.7.3.By Service Type
      • 6.1.7.3.1.Payments
      • 6.1.7.3.2.Digital Currencies
      • 6.1.7.3.3.Value Added Services (VAS)
      • 6.1.7.3.4.Others
    • 6.1.7.4.By Deployment Model
      • 6.1.7.4.1.Cloud
      • 6.1.7.4.2.On-premises
      • 6.1.7.4.3.Hybrid
    • 6.1.7.5.By End-user
      • 6.1.7.5.1.Retail Customers
        • 6.1.7.5.1.1.Self-Employed Individuals / Solo Entrepreneurs
      • 6.1.7.5.2.SMEs
        • 6.1.7.5.2.1.Small Enterprise
        • 6.1.7.5.2.2.Micro Enterprise
      • 6.1.7.5.3.Banks
      • 6.1.7.5.4.Fintechs
      • 6.1.7.5.5.Insurance Companies
      • 6.1.7.5.6.Others
    • 6.1.7.6.By Distribution Channel
      • 6.1.7.6.1.Bank Channel
      • 6.1.7.6.2.Apps
      • 6.1.7.6.3.Distributors
      • 6.1.7.6.4.Aggregators
  • 6.1.8.Canada
  • 6.1.9.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 and Africa
  • 6.5.1.UAE
  • 6.5.2.Saudi Arabia
  • 6.5.3.South Africa

7.Market Mapping, 2023

• 7.1.By Institute Type
• 7.2.By Service Type
• 7.3.By Deployment Model
• 7.4.By End-user
• 7.5.By Distribution Channel
• 7.6.By Region

8.Macro Environment and Industry Structure

• 8.1.Supply Demand Analysis
• 8.2.Import Export Analysis
• 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.Pricing Analysis

12.Case Studies

13.Key Players Outlook

• 13.1.Salt Edge Inc.
  • 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.Plaid Financial Ltd.
• 13.3.TrueLayer Limited
• 13.4.Token GmbH and Token.io Ltd
• 13.5.Stripe
• 13.6.Block, Inc.
• 13.7.Bud Financial Limited
• 13.8.The ID Co.
• 13.9.Yodlee, Inc.
• 13.10.Conflux Technologies

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

List of Tables

• Table 1. Pricing Analysis of Products from Key Players
• Table 2. Competition Matrix of Top 5 Market Leaders
• Table 3. Mergers & Acquisitions/ Joint Ventures (If Applicable)
• Table 4. About Us - Regions and Countries Where We Have Executed Client Projects

List of Figures

• Figure 1.United States Open Banking Market, By Value, In USD Billion, 2017-2031F
• Figure 2.United States Open Banking Market Share (%), By Institution Type, 2017-2031F
• Figure 3.United States Open Banking Market Share (%), By Service Type, 2017-2031F
• Figure 4.United States Open Banking Market Share (%), By Deployment Model, 2017-2031F
• Figure 5.United States Open Banking Market Share (%), By End-user, 2017-2031F
• Figure 6.United States Open Banking Market Share (%), By Distribution Channel, 2017-2031F
• Figure 7.United States Open Banking Market Share (%), By Region, 2017-2031F
• Figure 8.By Institution Type Map-Market Size (USD Billion) & Growth Rate (%), 2023
• Figure 9.By Service Type Map-Market Size (USD Billion) & Growth Rate (%), 2023
• Figure 10.By Deployment Model Map-Market Size (USD Billion) & Growth Rate (%), 2023
• Figure 11.By End-user Map-Market Size (USD Billion) & Growth Rate (%), 2023
• Figure 12.By Distribution Channel Map-Market Size (USD Billion) & Growth Rate (%), 2023
• Figure 13.By Region Map-Market Size (USD Billion) & Growth Rate (%), 2023