到 2032 年，开放银行市场规模将突破 1,302 亿美元

Global Market Insights Inc. 的一项研究报告称，到 2032 年，开放银行市场估值预计将突破 1,302 亿美元。

Selbyville, Delaware, Aug. 26, 2024 (GLOBE NEWSWIRE) — Major open banking market participants include Accenture, Tink, Finicity (Mastercard), Capgemini, F5, Inc., Virtusa Corp., MuleSoft (Salesforce), Yodlee (Envestnet), Plaid, TrueLayer, and Token.io. These industry players are placing efforts on partnership-based strategies to match the rising consumer and end-user needs to widen their global presence. To quote an instance, in February 2024, financial technology leader FIS inked a strategic collaboration with Banked, a well-known open banking solutions provider, to drive new pay-by-bank offerings for businesses and consumers.

特拉华州塞尔比维尔，2024 年 8 月 26 日（环球通讯社）— 主要开放银行市场参与者包括 Accenture、Tink、Finicity (Mastercard)、Capgemini、F5, Inc.、Virtusa Corp.、MuleSoft (Salesforce)、Yodlee (Envestnet)、 Plaid、TrueLayer 和 Token.io。这些行业参与者正在努力实施基于合作伙伴关系的战略，以满足不断增长的消费者和最终用户的需求，从而扩大其全球影响力。举个例子，2024年2月，金融科技领导者FIS与知名开放银行解决方案提供商Banked签署战略合作，为企业和消费者推出新的银行支付服务。

The open banking market valuation is predicted to cross USD 130.2 billion by 2032, as reported in a research study by Global Market Insights Inc.

Global Market Insights Inc. 的一项研究报告称，到 2032 年，开放银行市场估值预计将突破 1,302 亿美元。

The rising integration with digital currency platforms to enable seamless transactions between fiat currencies and cryptocurrencies will influence the industry growth. The implementation of robust security measures, such as encryption, multi-factor authentication, and real-time monitoring, has grown critical for protecting sensitive financial data in open banking. Of late, leading financial institutions and fintech firms are exploring subscription-based models for open banking services to offer premium features and value-added services through tiered pricing plans.

与数字货币平台的日益融合，以实现法定货币和加密货币之间的无缝交易，这将影响行业的增长。实施加密、多因素身份验证和实时监控等强大的安全措施对于保护开放银行中的敏感金融数据变得至关重要。最近，领先的金融机构和金融科技公司正在探索基于订阅的开放银行服务模式，通过分级定价计划提供优质功能和增值服务。

Rapid advancements in fraud detection technologies deploying AI and machine learning to identify and prevent fraudulent activities across financial transactions will also favor market expansion. To cite an instance, in May 2024, Mastercard accelerated the use of generative AI to double the speed for detecting potentially compromised cards to protect cardholders whilst securing the ecosystem card fraud detection.

部署人工智能和机器学习来识别和防止金融交易中的欺诈活动的欺诈检测技术的快速进步也将有利于市场的扩张。举个例子，2024 年 5 月，万事达卡加速了生成式人工智能的使用，将检测潜在受损卡的速度提高了一倍，以保护持卡人，同时确保生态系统的卡欺诈检测。

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The open banking market share from the digital currencies financial services segment is expected to exponentially expand between 2024 and 2032. By directly linking digital wallets to their banking systems, open banking streamlines the acceptance of digital currency payments by merchants. This integration lowers the hurdles for businesses eager to embrace cryptocurrencies. Furthermore, it enables connections with global financial institutions, simplifying cross-border transactions and allowing users to effortlessly send and receive payments in various currencies worldwide.

数字货币金融服务领域的开放银行市场份额预计将在 2024 年至 2032 年间呈指数级增长。通过将数字钱包直接连接到银行系统，开放银行简化了商户对数字货币支付的接受。这种集成降低了渴望接受加密货币的企业的障碍。此外，它还可以与全球金融机构建立联系，简化跨境交易，并允许用户轻松地在全球范围内以各种货币发送和接收付款。

The on-premise deployment model segment is expected to account for considerable share of the open banking industry by 2032. Financial institutions using on-premise open banking solutions can fully control sensitive customer data. As concerns about data breaches and cyberattacks grow, numerous banks are opting to manage data in-house instead of depending on third-party cloud services. On-premise deployments further allow banks to customize their open banking infrastructure as per their specific needs. This flexibility is particularly important for large financial institutions with complex IT environments that require bespoke solutions.

预计到2032年，本地部署模式部分将在开放银行行业中占据相当大的份额。使用本地开放银行解决方案的金融机构可以完全控制敏感的客户数据。随着对数据泄露和网络攻击的担忧日益加剧，许多银行选择在内部管理数据，而不是依赖第三方云服务。本地部署进一步允许银行根据其特定需求定制其开放银行基础设施。这种灵活性对于拥有复杂 IT 环境、需要定制解决方案的大型金融机构尤为重要。

Asia Pacific open banking market is anticipated to reach a significant share by 2032. This is propelled by the surge in cross-border open banking services, particularly in areas, such as remittances and international payments. Countries like India, Indonesia, and Vietnam are witnessing a swift expansion of open banking. With a vast unbanked populace and a strong mobile presence, these nations present lucrative prospects for open banking solutions. The proliferation of digital payments in China and India will also influence regional industry growth.

预计到 2032 年，亚太地区开放银行市场将占据重要份额。这是由跨境开放银行服务激增推动的，特别是在汇款和国际支付等领域。印度、印度尼西亚和越南等国家的开放银行业务正在迅速扩张。这些国家拥有大量没有银行账户的人口和强大的移动业务，为开放银行解决方案提供了利润丰厚的前景。中国和印度数字支付的激增也将影响地区行业的增长。

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Partial chapters of report table of contents (TOC):

报告目录（TOC）的部分章节：

Chapter 1   Methodology & Scope

第一章方法论和范围

1.1    Market scope & definition

1.1 市场范围及定义

1.2    Research design

1.2 研究设计

1.2.1    Research approach

1.2.1 研究方法

1.2.2    Data collection methods

1.2.2 数据收集方法

1.3    Base estimates & calculations

1.3 基本估计和计算

1.3.1    Base year calculation

1.3.1 基准年计算

1.3.2    Key trends for market estimation

1.3.2 市场预测的主要趋势

1.4    Forecast model

1.4 预测模型

1.5    Primary research and validation

1.5 初步研究与验证

1.5.1    Primary sources

1.5.1 主要来源

1.5.2    Data mining sources

1.5.2 数据挖掘来源

Chapter 2   Executive Summary

第 2 章执行摘要

2.1    Open Banking Market 3600 synopsis, 2021 – 2032

2.1 开放银行市场 3600 概要，2021 – 2032

Chapter 3   Open Banking Market Insights

第三章开放银行市场洞察

3.1    Industry ecosystem analysis

3.1 行业生态系统分析

3.2    Supplier landscape

3.2 供应商格局

3.2.1    API platforms and gateway providers

3.2.1 API平台和网关提供商

3.2.2    Security solutions providers

3.2.2 安全解决方案提供商

3.2.3    RegTech providers

3.2.3 监管科技提供商

3.2.4    End user

3.2.4 最终用户

3.3    Profit margin analysis

3.3 利润率分析

3.4    Technology & innovation landscape

3.4 技术与创新格局

3.5    Patent analysis

3.5 专利分析

3.6    Key news & initiatives

3.6 关键新闻和举措

3.7    Regulatory landscape

3.7 监管格局

3.8    Impact forces

3.8 冲击力

3.8.1    Growth drivers

3.8.1 增长动力

3.8.

3.8.