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1662680

2030 年金融科技即服務市場預測：按類型、技術、應用、最終用戶和地區進行的全球分析

Fintech as a Service (FaaS) Market Forecasts to 2030 - Global Analysis by Type (Payment Processing, Wealth Management, Banking and Lending, Insurance and Compliance and Risk Management), Technology, Application, End User and By Geography
出版日期: | 出版商: Stratistics Market Research Consulting | 英文 200+ Pages | 商品交期: 2-3個工作天內

價格

根據 Stratistics MRC 的數據，全球金融科技即服務 (FaaS) 市場預計在 2024 年達到 3,173 億美元，到 2030 年將達到 7,733 億美元，預測期內的複合年成長率為 16.0%。 FaaS（金融科技即服務）是一個雲端基礎的平台，使用 API（應用程式介面）和支援 API 的基礎設施提供金融服務和解決方案。無需從頭開始建立這些系統，這種方法使企業、新興企業和金融機構能夠將貸款、付款、詐欺檢測、合規和數位錢包等關鍵金融服務嵌入到他們的產品和應用程式中。 FaaS 系統具有可擴展性、靈活性和成本效益，可協助企業快速取得和部署金融創新。 FaaS 讓企業依靠安全、可靠的金融技術基礎設施來管理複雜的財務流程，同時簡化業務、改善客戶體驗並專注於創新。

數付款需求不斷成長

對數位付款的日益成長的需求正在推動金融科技即服務 (FaaS) 行業的發展，鼓勵企業採用無摩擦、安全且可擴展的付款解決方案。 FaaS 解決方案提供整合的付款處理、詐欺偵測和合規工具，協助組織在消費者和企業轉向無現金交易時滿足客戶期望。這種需求將使企業能夠更有效地管理其財務流程，推動雲端基礎的解決方案的採用並刺激付款系統的創新。

資料安全和隱私問題

資料安全和隱私問題增加了在第三方平台上儲存和處理敏感財務資料的風險，對金融科技即服務 (FaaS) 業務產生了重大影響。洩漏、未授權存取或濫用資料的可能性資料削弱客戶信任並導致監管審查和合規問題。這些問題可能會減緩採用速度並抑制市場擴張和創新，尤其是在資料隱私法規嚴格的地區。

技術進步

技術進步將增強雲端平台、API 和資料分析的功能，大大推動金融科技即服務 (FaaS) 市場的發展。這些技術創新提高了金融服務的速度、安全性和可擴展性，使公司能夠提供更有效率、更具成本效益的解決方案。此外，人工智慧、機器學習和區塊鏈的進步實現了更好的詐欺檢測、個人化的客戶體驗和更快的交易處理，使得 FaaS 平台對於尋求創新和在金融領域保持競爭力的公司更具吸引力。

整合複雜性

整合複雜性是企業採用新解決方案的障礙，並阻礙了金融科技即服務 (FaaS) 市場的發展。企業通常難以將 FaaS 平台無縫整合到其現有系統中，從而導致延遲、成本增加和潛在的業務中斷。對於擁有傳統基礎設施和複雜工作流程的企業來說，這項挑戰尤其明顯，限制了 FaaS 解決方案的採用並減緩了市場成長。

COVID-19 的影響

新冠疫情刺激了金融科技即服務 (FaaS) 產業的擴張，企業和消費者迅速轉向數位化和非接觸式金融服務。電子商務、遠端銀行和網路交易的興起使得對安全、可擴展的金融解決方案的需求日益成長。透過提供靈活且經濟實惠的傳統銀行服務替代方案，FaaS 平台使企業能夠快速適應不斷變化的市場條件並提高市場接受度。

金融機構板塊預計將成為預測期內最大的板塊

預計金融機構部門將在預測期內佔據最大的市場佔有率，因為對有效、可擴展和安全的解決方案的需求正在加速對提供付款、貸款、合規等綜合服務的 FaaS 系統的需求。透過與 FaaS 供應商合作來改善客戶體驗、加快業務並滿足監管要求，這些組織正在推動市場擴張。這些公司的進入將會擴大市場，提升整個產業的認可度。

預計預測期內付款處理部分將以最高的複合年成長率成長。

提供付款處理服務的 FaaS 平台使企業能夠快速採用付款解決方案，改善消費者體驗。行動錢包、非接觸式付款和跨境交易的需求不斷成長，進一步推動了對強大付款處理基礎設施的需求，從而推動了市場擴張和 FaaS 解決方案的採用。

比最大的地區

在預測期內，由於先進的數位基礎設施、對無縫數位付款的高需求以及金融科技新興企業的快速成長，預計北美將佔據最大的市場佔有率。對經濟高效、可擴展的金融解決方案的需求促使企業採用 FaaS 平台，以實現更快、更安全的交易並遵守不斷變化的法規。此外，消費者對個人化金融服務的需求不斷成長以及金融包容性的推動力進一步加速了北美對 FaaS 的採用。

複合年成長率最高的地區

在預測期內，由於數位轉型的快速發展、智慧型手機普及率的提高以及全部區域數位付款的日益普及，預計亞太地區將呈現最高的複合年成長率。政府正在透過監管支持促進金融包容性並鼓勵金融科技創新。電子商務的興起、銀行帳戶人口的增加以及向無現金交易的轉變進一步推動了對 FaaS 解決方案的需求。此外，該地區金融科技新興企業數量不斷增加，市場條件良好，加速了具有成本效益的金融服務的採用。

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訂閱此報告的客戶可享有以下免費自訂選項之一：

  • 公司簡介
    • 對其他市場參與企業（最多 3 家公司）進行全面分析
    • 主要企業的 SWOT 分析（最多 3 家公司）
  • 地理細分
    • 根據客戶興趣對主要國家進行市場估計、預測和複合年成長率（註：基於可行性檢查）
  • 競爭性基準化分析
    • 根據產品系列、地理分佈和策略聯盟對主要企業基準化分析

目錄

第1章執行摘要

第 2 章 前言

  • 概述
  • 相關利益者
  • 研究範圍
  • 調查方法
    • 資料探勘
    • 資料分析
    • 資料檢驗
    • 研究途徑
  • 研究資訊來源
    • 主要研究資訊來源
    • 二手研究資料資訊來源
    • 先決條件

第3章 市場走勢分析

  • 介紹
  • 驅動程式
  • 限制因素
  • 機會
  • 威脅
  • 技術分析
  • 應用分析
  • 最終用戶分析
  • 新興市場
  • COVID-19 的影響

第 4 章 波特五力分析

  • 供應商的議價能力
  • 買家的議價能力
  • 替代品的威脅
  • 新進入者的威脅
  • 競爭對手之間的競爭

第5章 全球金融科技即服務市場（按類型）

  • 介紹
  • 付款處理
  • 資產管理
  • 業務及貸款
  • 保險
  • 合規與風險管理

第6章 全球金融科技即服務市場（按技術）

  • 介紹
  • 人工智慧和機器學習（AI＆ML）
  • 區塊鏈
  • 機器人流程自動化 (RPA)
  • 應用程式介面 (API)
  • 巨量資料

第7章 全球金融科技即服務市場（按應用）

  • 介紹
  • 詐欺監控
  • KYC檢驗
  • 合規與監理支持
  • 資料分析與洞察
  • 客戶入職和帳戶管理
  • 資金管理
  • 房屋抵押貸款服務
  • 其他

第 8 章 全球金融科技即服務市場（依最終用戶分類）

  • 介紹
  • 銀行
  • 金融機構
  • 保險公司
  • 其他

第9章 全球金融科技即服務市場（按地區）

  • 介紹
  • 北美洲
    • 美國
    • 加拿大
    • 墨西哥
  • 歐洲
    • 德國
    • 英國
    • 義大利
    • 法國
    • 西班牙
    • 歐洲其他地區
  • 亞太地區
    • 日本
    • 中國
    • 印度
    • 澳洲
    • 紐西蘭
    • 韓國
    • 其他亞太地區
  • 南美洲
    • 阿根廷
    • 巴西
    • 智利
    • 南美洲其他地區
  • 中東和非洲
    • 沙烏地阿拉伯
    • 阿拉伯聯合大公國
    • 卡達
    • 南非
    • 其他中東和非洲地區

第10章 主要進展

  • 協議、夥伴關係、合作和合資企業
  • 收購與合併
  • 新產品發布
  • 業務擴展
  • 其他關鍵策略

第11章 公司概況

  • Airwallex
  • Stripe
  • Plaid
  • Marqeta
  • Rapyd
  • Synapse
  • Solarisbank
  • Unit
  • Railsbank
  • Finix
  • Galileo Financial Technologies
  • Mambu
  • Bankable
  • Currencycloud
  • Dwolla
  • Weavr
  • OpenPayd
  • Treasury Prime
Product Code: SMRC28541

According to Stratistics MRC, the Global Fintech as a Service (FaaS) Market is accounted for $317.3 billion in 2024 and is expected to reach $773.3 billion by 2030 growing at a CAGR of 16.0% during the forecast period. Fintech as a Service (FaaS) is a cloud-based platform that offers financial services and solutions using APIs (Application Programming Interfaces) and API-enabled infrastructure. Without creating these systems from the ground up, this methodology allows companies, startups, and financial institutions to include crucial financial services like loans, payments, fraud detection, compliance, and digital wallets into their goods or apps. FaaS systems enable businesses to swiftly acquire and deploy financial innovations since they are scalable, flexible, and cost-effective. FaaS enables companies to rely on safe and reliable financial technology infrastructure to manage intricate financial processes while streamlining operations, enhancing customer experience, and concentrating on innovation.

Market Dynamics:

Driver:

Increased Demand for Digital Payments

The growing need for digital payments is propelling the Fintech as a Service (FaaS) industry by pushing businesses to embrace frictionless, secure, and scalable payment solutions. FaaS solutions provide integrated payment processing, fraud detection, and compliance tools that help organizations fulfill customer expectations as consumers and businesses move toward cashless transactions. Businesses may more effectively manage their financial processes due to this demand, which also stimulates the adoption of cloud-based solutions and encourages innovation in payment systems.

Restraint:

Data Security and Privacy Concerns

Data security and privacy issues have a substantial impact on the Fintech as a Service (FaaS) business by increasing the risks involved with storing and processing sensitive financial data on third party platforms. Customer trust can be damaged by possible breaches, illegal access, or abuse of financial and personal data, which can result in regulatory scrutiny and compliance issues. These problems might impede market expansion and innovation by slowing adoption, especially in areas with strict data privacy regulations.

Opportunity:

Technological Advancements

Technological advancements significantly drive the Fintech as a Service (FaaS) market by enhancing the capabilities of cloud platforms, APIs, and data analytics. These innovations improve the speed, security, and scalability of financial services, allowing businesses to offer more efficient, cost-effective solutions. Moreover, advancements in artificial intelligence, machine learning, and blockchain enable better fraud detection, personalized customer experiences, and faster transaction processing, making FaaS platforms more attractive to businesses looking to innovate and stay competitive in the financial sector.

Threat:

Integration Complexity

Integration complexity hinders the Fintech as a Service (FaaS) market by creating barriers for businesses in adopting new solutions. Companies often struggle to seamlessly incorporate FaaS platforms into their existing systems, leading to delays, increased costs, and potential operational disruptions. This challenge can be particularly pronounced for businesses with legacy infrastructure or complex workflows, limiting the widespread adoption of FaaS solutions and slowing market growth.

Covid-19 Impact:

The COVID-19 epidemic spurred the expansion of the Fintech as a Service (FaaS) sector, as companies and consumers quickly transitioned to digital and contactless financial services. The need for safe and expandable financial solutions was fueled by the rise of e-commerce, remote banking, and online transactions. By providing flexible, affordable alternatives to traditional banking services, FaaS platforms allowed firms to swiftly adjust to shifting market conditions and increase market acceptance.

The financial institutes segment is expected to be the largest during the forecast period

The financial institutes segment is expected to account for the largest market share during the forecast period because the demand for FaaS systems that offer integrated services like payments, loans, and compliance is accelerated by their need for effective, scalable, and secure solutions. By collaborating with FaaS providers to improve client experiences, expedite operations, and satisfy regulatory requirements, these organizations propel market expansion. Their participation expands the market and promotes industry-wide acceptance.

The payment processing segment is expected to have the highest CAGR during the forecast period

Over the forecast period, the payment processing segment is predicted to witness the highest growth rate as digital payments gain popularity, FaaS platforms that provide payment processing services allow businesses to swiftly incorporate payment solutions, improving the consumer experience. The requirement for a strong payment processing infrastructure is further accelerated by the growing demand for mobile wallets, contactless payments, and cross-border transactions, which promotes market expansion and the use of FaaS solutions.

Region with largest share:

During the forecast period, the North America region is expected to hold the largest market share due to region's advanced digital infrastructure, high demand for seamless digital payments, and the rapid growth of fintech startups. The need for cost-effective and scalable financial solutions has led businesses to adopt FaaS platforms for faster, secure transactions and compliance with evolving regulations. Additionally, increased consumer demand for personalized financial services and the push for financial inclusion further accelerate the adoption of FaaS in North America.

Region with highest CAGR:

Over the forecast period, the Asia Pacific region is anticipated to exhibit the highest CAGR owing to rapid digital transformation, increasing smartphone penetration, and the growing adoption of digital payments across the region. Governments are promoting financial inclusion through regulatory support and fostering fintech innovation. The rise of e-commerce, a large unbanked population, and a shift towards cashless transactions further boost demand for FaaS solutions. Additionally, the region's growing fintech startups and favorable market conditions accelerate the adoption of cost-effective financial services.

Key players in the market

Some of the key players in Fintech as a Service (FaaS) market include Airwallex, Stripe, Plaid, Marqeta, Rapyd, Synapse, Solarisbank, Unit, Railsbank, Finix, Galileo Financial Technologies, Mambu, Bankable, Currencycloud, Dwolla, Weavr, OpenPayd and Treasury Prime.

Key Developments:

In January 2025, Airwallex announced its partnership with Carwow. Following the integration of Airwallex's Scale Native API, Carwow can now process payments for those enterprise dealer groups who purchase cars from thousands of private sellers through its daily online auctions every week.

In December 2024, Airwallex has expanded headcount in its Tel Aviv and Vilnius offices, and made two senior Executive Director Appointments - in London and Amsterdam - which brings the total employee count in EMEA to over 150, representing over 38 nationalities.

In November 2024, Airwallex announced that it is launching Airwallex for Startups in New Zealand, to help Kiwi startups to accelerate their growth.

Types Covered:

  • Payment Processing
  • Wealth Management
  • Banking and Lending
  • Insurance
  • Compliance and Risk Management

Technologies Covered:

  • Artificial Intelligence and Machine Learning (AI & ML)
  • Blockchain
  • Robotic Process Automation (RPA)
  • Application Programming Interface (API)
  • Big data

Applications Covered:

  • Fraud Monitoring
  • KYC Verification
  • Compliance & Regulatory Support
  • Data Analytics and Insights
  • Customer Onboarding & Account Management
  • Money Management
  • Real Estate Mortgage Services
  • Other Applications

End Users Covered:

  • Banks
  • Financial Institutes
  • Insurance Companies
  • Other End Users

Regions Covered:

  • North America
    • US
    • Canada
    • Mexico
  • Europe
    • Germany
    • UK
    • Italy
    • France
    • Spain
    • Rest of Europe
  • Asia Pacific
    • Japan
    • China
    • India
    • Australia
    • New Zealand
    • South Korea
    • Rest of Asia Pacific
  • South America
    • Argentina
    • Brazil
    • Chile
    • Rest of South America
  • Middle East & Africa
    • Saudi Arabia
    • UAE
    • Qatar
    • South Africa
    • Rest of Middle East & Africa

What our report offers:

  • Market share assessments for the regional and country-level segments
  • Strategic recommendations for the new entrants
  • Covers Market data for the years 2022, 2023, 2024, 2026, and 2030
  • Market Trends (Drivers, Constraints, Opportunities, Threats, Challenges, Investment Opportunities, and recommendations)
  • Strategic recommendations in key business segments based on the market estimations
  • Competitive landscaping mapping the key common trends
  • Company profiling with detailed strategies, financials, and recent developments
  • Supply chain trends mapping the latest technological advancements

Free Customization Offerings:

All the customers of this report will be entitled to receive one of the following free customization options:

  • Company Profiling
    • Comprehensive profiling of additional market players (up to 3)
    • SWOT Analysis of key players (up to 3)
  • Regional Segmentation
    • Market estimations, Forecasts and CAGR of any prominent country as per the client's interest (Note: Depends on feasibility check)
  • Competitive Benchmarking
    • Benchmarking of key players based on product portfolio, geographical presence, and strategic alliances

Table of Contents

1 Executive Summary

2 Preface

  • 2.1 Abstract
  • 2.2 Stake Holders
  • 2.3 Research Scope
  • 2.4 Research Methodology
    • 2.4.1 Data Mining
    • 2.4.2 Data Analysis
    • 2.4.3 Data Validation
    • 2.4.4 Research Approach
  • 2.5 Research Sources
    • 2.5.1 Primary Research Sources
    • 2.5.2 Secondary Research Sources
    • 2.5.3 Assumptions

3 Market Trend Analysis

  • 3.1 Introduction
  • 3.2 Drivers
  • 3.3 Restraints
  • 3.4 Opportunities
  • 3.5 Threats
  • 3.6 Technology Analysis
  • 3.7 Application Analysis
  • 3.8 End User Analysis
  • 3.9 Emerging Markets
  • 3.10 Impact of Covid-19

4 Porters Five Force Analysis

  • 4.1 Bargaining power of suppliers
  • 4.2 Bargaining power of buyers
  • 4.3 Threat of substitutes
  • 4.4 Threat of new entrants
  • 4.5 Competitive rivalry

5 Global Fintech as a Service (FaaS) Market, By Type

  • 5.1 Introduction
  • 5.2 Payment Processing
  • 5.3 Wealth Management
  • 5.4 Banking and Lending
  • 5.5 Insurance
  • 5.6 Compliance and Risk Management

6 Global Fintech as a Service (FaaS) Market, By Technology

  • 6.1 Introduction
  • 6.2 Artificial Intelligence and Machine Learning (AI & ML)
  • 6.3 Blockchain
  • 6.4 Robotic Process Automation (RPA)
  • 6.5 Application Programming Interface (API)
  • 6.6 Big data

7 Global Fintech as a Service (FaaS) Market, By Application

  • 7.1 Introduction
  • 7.2 Fraud Monitoring
  • 7.3 KYC Verification
  • 7.4 Compliance & Regulatory Support
  • 7.5 Data Analytics and Insights
  • 7.6 Customer Onboarding & Account Management
  • 7.7 Money Management
  • 7.8 Real Estate Mortgage Services
  • 7.9 Other Applications

8 Global Fintech as a Service (FaaS) Market, By End User

  • 8.1 Introduction
  • 8.2 Banks
  • 8.3 Financial Institutes
  • 8.4 Insurance Companies
  • 8.5 Other End Users

9 Global Fintech as a Service (FaaS) Market, By Geography

  • 9.1 Introduction
  • 9.2 North America
    • 9.2.1 US
    • 9.2.2 Canada
    • 9.2.3 Mexico
  • 9.3 Europe
    • 9.3.1 Germany
    • 9.3.2 UK
    • 9.3.3 Italy
    • 9.3.4 France
    • 9.3.5 Spain
    • 9.3.6 Rest of Europe
  • 9.4 Asia Pacific
    • 9.4.1 Japan
    • 9.4.2 China
    • 9.4.3 India
    • 9.4.4 Australia
    • 9.4.5 New Zealand
    • 9.4.6 South Korea
    • 9.4.7 Rest of Asia Pacific
  • 9.5 South America
    • 9.5.1 Argentina
    • 9.5.2 Brazil
    • 9.5.3 Chile
    • 9.5.4 Rest of South America
  • 9.6 Middle East & Africa
    • 9.6.1 Saudi Arabia
    • 9.6.2 UAE
    • 9.6.3 Qatar
    • 9.6.4 South Africa
    • 9.6.5 Rest of Middle East & Africa

10 Key Developments

  • 10.1 Agreements, Partnerships, Collaborations and Joint Ventures
  • 10.2 Acquisitions & Mergers
  • 10.3 New Product Launch
  • 10.4 Expansions
  • 10.5 Other Key Strategies

11 Company Profiling

  • 11.1 Airwallex
  • 11.2 Stripe
  • 11.3 Plaid
  • 11.4 Marqeta
  • 11.5 Rapyd
  • 11.6 Synapse
  • 11.7 Solarisbank
  • 11.8 Unit
  • 11.9 Railsbank
  • 11.10 Finix
  • 11.11 Galileo Financial Technologies
  • 11.12 Mambu
  • 11.13 Bankable
  • 11.14 Currencycloud
  • 11.15 Dwolla
  • 11.16 Weavr
  • 11.17 OpenPayd
  • 11.18 Treasury Prime

List of Tables

  • Table 1 Global Fintech as a Service (FaaS) Market Outlook, By Region (2022-2030) ($MN)
  • Table 2 Global Fintech as a Service (FaaS) Market Outlook, By Type (2022-2030) ($MN)
  • Table 3 Global Fintech as a Service (FaaS) Market Outlook, By Payment Processing (2022-2030) ($MN)
  • Table 4 Global Fintech as a Service (FaaS) Market Outlook, By Wealth Management (2022-2030) ($MN)
  • Table 5 Global Fintech as a Service (FaaS) Market Outlook, By Banking and Lending (2022-2030) ($MN)
  • Table 6 Global Fintech as a Service (FaaS) Market Outlook, By Insurance (2022-2030) ($MN)
  • Table 7 Global Fintech as a Service (FaaS) Market Outlook, By Compliance and Risk Management (2022-2030) ($MN)
  • Table 8 Global Fintech as a Service (FaaS) Market Outlook, By Technology (2022-2030) ($MN)
  • Table 9 Global Fintech as a Service (FaaS) Market Outlook, By Artificial Intelligence and Machine Learning (AI & ML) (2022-2030) ($MN)
  • Table 10 Global Fintech as a Service (FaaS) Market Outlook, By Blockchain (2022-2030) ($MN)
  • Table 11 Global Fintech as a Service (FaaS) Market Outlook, By Robotic Process Automation (RPA) (2022-2030) ($MN)
  • Table 12 Global Fintech as a Service (FaaS) Market Outlook, By Application Programming Interface (API) (2022-2030) ($MN)
  • Table 13 Global Fintech as a Service (FaaS) Market Outlook, By Big data (2022-2030) ($MN)
  • Table 14 Global Fintech as a Service (FaaS) Market Outlook, By Application (2022-2030) ($MN)
  • Table 15 Global Fintech as a Service (FaaS) Market Outlook, By Fraud Monitoring (2022-2030) ($MN)
  • Table 16 Global Fintech as a Service (FaaS) Market Outlook, By KYC Verification (2022-2030) ($MN)
  • Table 17 Global Fintech as a Service (FaaS) Market Outlook, By Compliance & Regulatory Support (2022-2030) ($MN)
  • Table 18 Global Fintech as a Service (FaaS) Market Outlook, By Data Analytics and Insights (2022-2030) ($MN)
  • Table 19 Global Fintech as a Service (FaaS) Market Outlook, By Customer Onboarding & Account Management (2022-2030) ($MN)
  • Table 20 Global Fintech as a Service (FaaS) Market Outlook, By Money Management (2022-2030) ($MN)
  • Table 21 Global Fintech As A Service (Faas) Market Outlook, By Real Estate Mortgage Services (2022-2030) ($MN)
  • Table 22 Global Fintech as a Service (FaaS) Market Outlook, By Other Applications (2022-2030) ($MN)
  • Table 23 Global Fintech as a Service (FaaS) Market Outlook, By End User (2022-2030) ($MN)
  • Table 24 Global Fintech as a Service (FaaS) Market Outlook, By Banks (2022-2030) ($MN)
  • Table 25 Global Fintech as a Service (FaaS) Market Outlook, By Financial Institutes (2022-2030) ($MN)
  • Table 26 Global Fintech as a Service (FaaS) Market Outlook, By Insurance Companies (2022-2030) ($MN)
  • Table 27 Global Fintech as a Service (FaaS) Market Outlook, By Other End Users (2022-2030) ($MN)

Note: Tables for North America, Europe, APAC, South America, and Middle East & Africa Regions are also represented in the same manner as above.