日本銀行即服務 (BaaS) 市場評估：依組成部分、類型、公司規模、最終用戶、地區、機會、預測，2018-2032年

日本銀行即服務 (BaaS) 市場規模預計將從2024年的2.8568億美元成長到2032年的9.8343億美元，預測期內年複合成長率為16.71%。 BaaS 平台的日益普及是由銀行積極努力提高其數位能力和簡化服務交付所推動的。日本政府的支持立場在這方面非常重要，其有利的監管政策支持先進金融科技的創建和整合。這種監管環境促進創新，確保金融服務的競爭力，並滿足消費者的需求。

銀行即服務使支付和帳戶管理等銀行功能能夠整合到第三方技術平台支援的服務產品中。透過 API 與銀行系統連接並提供金融產品，而無需管理底層基礎設施。2023年，富士通決定與致力於公共雲端服務的富士通雲端技術有限公司合併。這將加速引進提供透明度、安全性和可靠性的雲端服務先進技術。

日本市場成長的另一個主要原因是消費者利率的上升，這支持了服務組合的進一步擴張和多元化，這對中小型金融公司具有戰略意義。透過這種方式，BaaS 平台提供了將銀行服務擴展到傳統銀行結構不普遍的地區的機會。透過BaaS，企業可以提供更全面、更切合實際的金融解決方案，縮小城鄉金融服務差距。這是由監管支援、技術進步和金融機構的策略採用所推動的，這些因素推動日本 BaaS 市場的成長。

本報告調查了日本的銀行即服務 (BaaS) 市場，並提供了市場概述以及依組成部分、類型、公司規模、最終用戶、區域的趨勢，以及進入市場的公司簡介。

目錄

第1章 專案範圍與定義

第2章 研究方法

第3章 執行摘要

第4章 顧客回饋

第5章 日本銀行即服務 (BaaS) 市場展望，2018-2032年

• 市場規模分析與預測
• 市佔率分析與預測
• 2024年市場地圖分析
  • 依組件
  • 依類型
  • 依公司規模
  • 依最終用戶
  • 依地區

第6章 供需分析

第7章 價值鏈分析

第8章 波特五力分析

第9章 PESTLE分析

第10章 軟體價格分析

第11章 市場動態

第12章 市場趨勢與發展

第13章 案例研究

第14章 競爭態勢

• 前5名市場領導者的競爭矩陣
• 前5名的公司的SWOT 分析
• 前10名主要企業狀況
  • GMO Payment Gateway Inc.
  • NTT DATA Corporation
  • PayPay Corporation
  • Mitsubishi UFJ Financial Group Inc.
  • Hitachi Limited
  • NEC Corporation
  • Fujitsu Limited
  • Finastra Group Holdings Limited
  • Orb Inc.
  • TIS Inc.

第15章 策略建議

第16章 查詢及免責聲明

Japan banking-as-a-service (BaaS) market is projected to witness a CAGR of 16.71% during the forecast period FY2025-FY2032, growing from USD 285.68 million in FY2024 to USD 983.43 million in FY2032. Factors such as proactive attempts by banks to improve digital capabilities and streamline service offerings drive the increasing adoption of BaaS platforms. Supportive stance taken by the government of Japan has been important in this regard, favorable regulatory policies encourage the creation and integration of advanced financial technologies. This regulatory environment encourages innovation and ensures that financial services are competitive, servicing the consumers' needs.

Banking-as-a-Service is the ability for businesses to inject banking functions, like the facilitation of payments and account management, into their service offering enabled by third-party technology platforms. It connects via APIs with banking systems to provide financial products without managing the underlying infrastructure. In 2023, Fujitsu decided to absorb and merge Fujitsu Cloud Technologies Limited, which specializes in public cloud services, in the form of an absorption-type merger. This will expedite the introduction of advanced technologies for cloud services that provide transparency, security, and reliability.

The other significant reason for the market's growth in Japan is the rising interest rate for consumers, helping them reach further and diversify service portfolios that make strategic sense for small finance companies. In this way, using a BaaS platform offers the opportunity to expand banking services for regions where traditional banking structures are not as prevalent. By tapping BaaS for power, the companies can offer more inclusive and contextual financial solutions that narrow the gap between urban and rural financial services, ultimately serving the cause of growth in this market. These are driven by regulatory support, technological advancement, and strategic adoption by FIs, driving the growth of the BaaS market in Japan.

Growing Adoption of Open Banking to Drive Market Growth

An increase in the traction for open banking adoption in Japan is one of the factors driving the growth of the BaaS market. Open banking allows banks and third-party providers to share data more transparently and be more connected using APIs, thus allowing financial services to integrate seamlessly into a wide variety of applications. This will, in turn, provide more interoperability for companies to offer more customer-centric banking products and services without the need to create convoluted banking systems. Therefore, enhanced diversity and accessibility of financial services have repercussions in the form of BaaS demand growth. Further, this is fueled by the supportive regulatory environment in Japan, which looks forward to innovation and ensures that data sharing is secure and efficient.

The trends in the performance of the BaaS market in Japan have been remarkable as established financial institutions and new entrants are adopting open banking to boost sophisticated financial services and widen their market reach. In 2023, Vector Consulting Group, one of the leading domestic management consulting firms, entered a capital and business alliance with TIS Inc., one of Japan's top technology companies. In the process, TIS Inc. has agreed to buy a 20 percent stake in Vector. The move underlines a strategic partnership to support expansion into emerging markets such as Indonesia, Japan, and Thailand.

Surge in BaaS Adoption to Accelerate the Market Growth

The increased adoption of BaaS platforms is significantly driving Japan BaaS market. The integration of BaaS reduces or eliminates the need for businesses to build, maintain, and operate complex banking infrastructures, therefore reducing costs and speeding up the delivery of services. With the increasing demand for digital financial solutions, companies are taking advantage of BaaS to extend their offerings and create superior customer experiences. The flexibility and scalability of BaaS platforms make it easier for businesses to rapidly deploy innovative financial products and services. In Japan, favorable regulatory measures and an emphasis on open banking by the government further amplify the appeal of BaaS, creating an enabling environment for market expansion.

In 2023, NEC Corporation acquired a 50.1 percent stake in Japan Asset Management Inc. Following this acquisition, Japan Asset Management will become a consolidated subsidiary of the NEC Group. The integration will connect expertise from asset management advice given by JAM with state-of-the-art technologies, including AI from NEC, to enhance customer experiences further and bring more value into the realm of asset management and financial education.

Banks Segment to Dominate the Japan Banking-as-a-Service (BaaS) Market Share

In the Japanese BaaS market, banks are expected to lead the end-user segment, owing to developed infrastructure, know-how in handling regulatory issues, and the fact that banks enjoy the customer's trust. Banks have strong advantages in adopting the BaaS platform, as they can easily utilize their existing networks and know-how of finance to offer advanced integrated banking services. With robust infrastructure and acquaintance with stringent regulations, banks are in a better position to provide comprehensive and secure financial solutions using BaaS.

In addition, banks are equally well-placed to provide services that range from payments and account management to lending, deeply integrated with the BaaS offerings. Thus, as adoption increases, banks will be set to steer the market share and, consequently, standards and innovation in the sector. This will be driven and supported by its capability of providing reliable, scalable, and compliant financial services for individuals and business customers. In July 2024, Finastra Global PAYplus Japanese, a game-changing payment hub solution, enabled banks to address all dimensions of the payment transformation challenge. With an unrivaled breadth of payment services, ranging from high-value payments to mass payments and real-time payments, everything is integrated into one complete solution.

Central Region Dominates Japan Banking-as-a-Service (BaaS) Market Share

The Central region, including Tokyo and its surroundings, is expected to lead the Japan banking-as-a-service (BaaS) market. The region hosts the central economic and financial hub of the country, representing a high concentration of major banks, financial institutions, and technology enterprises. Tokyo has the reputation of being one of the world's largest financial centers due to its modern infrastructure and well-developed financial base. Therefore, large investments in Fintech, added to a progressive regulatory environment by the city, form an ideal background against which BaaS platforms are adopting and expanding at an incredible speed.

Indeed, the Kanto region, with its wide network of financial services, innovative technology, and permissive policies, is a significant region for BaaS to grow and take the lead in driving the market's growth. The region continues to strengthen its dominance as it attracts and develops new, pioneering financial technologies and services to spearhead the evolution of Japanese banking.

In 2024, NTT DATA executed a capital tie-up with ALLOYED LIMITED to strengthen the technological capability of NTT DATA XAM Technologies. This will help develop solutions to the customers' challenge of designing and manufacturing highly technological components and support business development on a greater scale.

Future Market Scenario (FY2025 - FY2032F)

As BaaS becomes established in central urban areas, such as Tokyo, it will gradually expand to unserved and rural areas, further enhancing financial inclusion within the country.

The Japanese government is expected to continue promoting open banking and digital financial innovations by creating a regulatory framework which encourages the adoption of BaaS while ensuring security and compliance.

Most BaaS platforms will be integrated with emerging technologies, such as artificial intelligence, blockchain, and IoT, extending features to encompass personalized financial advice and enhancing transactional security.

Key Players Landscape and Outlook

Competition in Japan BaaS market is influenced by sophisticated service providers, supplemented by a rising number of new entrants. Such competitiveness is justified by the fact that the region necessitates more adaptability towards diversified regional and customer-specific preferences with strict national banking controls. Over the past couple of years, new entrants in the market have risen greatly, development substantially supported by strategic collaborations taking place between global banks and small financial institutions. These partnerships have successfully ushered in speedy scaling and diversification into the offering of BaaS. As BaaS platforms are highly configurable, new entrants can design their offer and service different client needs in unique ways, particularly when the clients are smaller organizations. This flexibility allows new entrants to compete by offering customized solutions that best fit specific market needs, therefore leading to a dynamic and constantly changing BaaS environment in the Japanese market.

In June 2024, GMO Payment Gateway, Inc. carried out a welfare service, allowing workers to start charging digital money anytime. Immediately, a part of the amount calculated through the actual work, the amount can be charged to PPIH Group's original electronic money, majica. The amount of charging is later deducted from the person's salary afterwards.

Table of Contents

1. Project Scope and Definitions

2. Research Methodology

3. Executive Summary

4. Voice of Customer

• 4.1. Product and Market Intelligence
• 4.2. Performance Metrics
• 4.3. Factors Considered in Purchase Decisions
  • 4.3.1. Cost Efficiency
  • 4.3.2. Scalability and Flexibility
  • 4.3.3. Local Compliance
  • 4.3.4. Security and Data Privacy
  • 4.3.5. Integration Capabilities
  • 4.3.6. Service Reliability
  • 4.3.7. Vendor Reputation
• 4.4. Customer Support
• 4.5. Consideration of Privacy and Regulations

5. Japan Banking-as-a-Service (BaaS) Market Outlook, FY2018-FY2032F

• 5.1. Market Size Analysis & Forecast
  • 5.1.1. By Value
• 5.2. Market Share Analysis & Forecast
  • 5.2.1. By Component
    • 5.2.1.1. Platform
    • 5.2.1.2. Service
  • 5.2.2. By Type
    • 5.2.2.1. API-based BaaS
    • 5.2.2.2. Cloud-based BaaS
  • 5.2.3. By Enterprise Size
    • 5.2.3.1. Large Enterprises
    • 5.2.3.2. Small and Medium Enterprises
  • 5.2.4. By End-user
    • 5.2.4.1. Banks
    • 5.2.4.2. Financial Institutions
    • 5.2.4.3. Nonbank Financial Companies (NBFCs)
    • 5.2.4.4. Others
  • 5.2.5. By Region
    • 5.2.5.1. North
    • 5.2.5.2. Central
    • 5.2.5.3. South
  • 5.2.6. By Company Market Share Analysis (Top 5 Companies and Others - By Value, FY2024)
• 5.3. Market Map Analysis, FY2024
  • 5.3.1. By Component
  • 5.3.2. By Type
  • 5.3.3. By Enterprise Size
  • 5.3.4. By End-user
  • 5.3.5. By Region

6. Demand Supply Analysis

7. Value Chain Analysis

8. Porter's Five Forces Analysis

9. PESTLE Analysis

10. Software Pricing Analysis

11. Market Dynamics

• 11.1. Market Drivers
• 11.2. Market Challenges

12. Market Trends and Developments

13. Case Studies

14. Competitive Landscape

• 14.1. Competition Matrix of Top 5 Market Leaders
• 14.2. SWOT Analysis for Top 5 Players
• 14.3. Key Players Landscape for Top 10 Market Players
  • 14.3.1. GMO Payment Gateway Inc.
    • 14.3.1.1. Company Details
    • 14.3.1.2. Key Management Personnel
    • 14.3.1.3. Products and Services
    • 14.3.1.4. Financials (As Reported)
    • 14.3.1.5. Key Market Focus and Geographical Presence
    • 14.3.1.6. Recent Developments/Collaborations/Partnerships/Mergers and Acquisition
  • 14.3.2. NTT DATA Corporation
  • 14.3.3. PayPay Corporation
  • 14.3.4. Mitsubishi UFJ Financial Group Inc.
  • 14.3.5. Hitachi Limited
  • 14.3.6. NEC Corporation
  • 14.3.7. Fujitsu Limited
  • 14.3.8. Finastra Group Holdings Limited
  • 14.3.9. Orb Inc.
  • 14.3.10. TIS Inc.

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

15. Strategic Recommendations

16. About Us and 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. Japan Banking-as-a-Service (BaaS) Market, By Value, In USD Million, FY2018-FY2032F
• Figure 2. Japan Banking-as-a-Service (BaaS) Market Share (%), By Component, FY2018-FY2032F
• Figure 3. Japan Banking-as-a-Service (BaaS) Market Share (%), By Type, FY2018-FY2032F
• Figure 4. Japan Banking-as-a-Service (BaaS) Market Share (%), By Enterprise Size, FY2018-FY2032F
• Figure 5. Japan Banking-as-a-Service (BaaS) Market Share (%), By End-user, FY2018-FY2032F
• Figure 6. Japan Banking-as-a-Service (BaaS) Market Share (%), By Region, FY2018-FY2032F
• Figure 7. By Component Map-Market Size (USD Million) & Growth Rate (%), FY2024
• Figure 8. By Type Map-Market Size (USD Million) & Growth Rate (%), FY2024
• Figure 9. By Enterprise Size Map-Market Size (USD Million) & Growth Rate (%), FY2024
• Figure 10. By End-user Map-Market Size (USD Million) & Growth Rate (%), FY2024
• Figure 11. By Region Map-Market Size (USD Million) & Growth Rate (%), FY2024