세계의 서비스형 핀테크(FaaS) 시장 보고서(2025년)
Fintech as a Service (FaaS) Global Market Report 2025
상품코드 : 1808157
리서치사 : The Business Research Company
발행일 : On Demand Report
페이지 정보 : 영문 250 Pages
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한글목차

서비스형 핀테크(FaaS) 시장은 향후 수년간 급성장할 것으로 전망됩니다. 2029년까지 CAGR 16.9%로 8,280억 6,000만 달러로 성장할 전망입니다. 예측 기간의 성장은 AI와 자동화, 오픈뱅킹 확대, 블록체인과 암호화폐, 서비스의 세계화, 데이터 보안과 프라이버시로 인한 것으로 예측됩니다. 예측 기간의 주요 동향으로는 임베디드 금융, AP 생태계 성장, RegTech 및 컴플라이언스 솔루션, 진화하는 결제 솔루션, 지속 가능한 금융에 대한 주력 등이 있습니다.

향후 5년간 예측되는 성장률 16.9%는 이 시장의 과거 예측에서 0.2% 감소하였습니다. 이러한 성장 감소는 주로 미국과 다른 국가 간의 관세의 영향 때문입니다. 주로 싱가포르와 독일 기업이 공급하는 모듈형 뱅킹 애플리케이션 프로그래밍 인터페이스와 클라우드 기반 결제 처리 솔루션은 인프라 비용 상승으로 인해 도입이 지연될 전망입니다. 또한 상호 관세와 무역의 긴장과 한계 증가로 인한 세계 경제와 무역에 대한 악영향으로 인해 그 영향이 더욱 광범위해질 것으로 보입니다.

디지털 뱅킹과 디지털 결제로의 전환의 급증이 예상되어 서비스형 핀테크 시장의 성장을 견인할 전망입니다. 디지털 뱅킹은 디지털 플랫폼을 통해 이루어지는 거래를 포함하여 종이 기반 프로세스를 제거하고 있으며, 서비스형 핀테크(FaaS)는 이러한 변화에 기여하고 있습니다. FaaS는 모바일 애플리케이션, 웹 기반 플랫폼, API, 인공지능 및 머신러닝을 활용한 고급 애플리케이션을 제공하고 금융 조언을 제공함으로써 디지털 뱅킹에 크게 기여하고 있습니다. 또한 FaaS는 기업이 고객에게 온라인 뱅킹 서비스를 제공하는 디지털 뱅킹 솔루션을 제공합니다. 예를 들어, 2023년 7월 영국인의 93%가 2022년에 온라인 뱅킹을 이용한 것으로 나타났으며, 또한 530만명(10%)이 2023년에 디지털 전용 은행 계좌를 취득한 것으로 나타났습니다. 예측에 따르면 2028년까지 영국 디지털 전용 은행 계좌 보유자는 2,260만 명(43%)에 이를 전망입니다. 그 결과, 디지털 뱅킹과 결제의 도입이 급증하고 있어 서비스형 핀테크 시장의 성장에 박차를 가하고 있습니다.

목차

제1장 주요 요약

제2장 시장 특징

제3장 시장 동향과 전략

제4장 시장 : 금리, 인플레이션, 지정학, 무역 전쟁과 관세, 그리고 코로나 및 회복이 시장에 미치는 영향을 포함한 거시 경제 시나리오

제5장 세계의 성장 분석과 전략 분석 프레임워크

제6장 시장 세분화

제7장 지역별/국가별 분석

제8장 아시아태평양 시장

제9장 중국 시장

제10장 인도 시장

제11장 일본 시장

제12장 호주 시장

제13장 인도네시아 시장

제14장 한국 시장

제15장 서유럽 시장

제16장 영국 시장

제17장 독일 시장

제18장 프랑스 시장

제19장 이탈리아 시장

제20장 스페인 시장

제21장 동유럽 시장

제22장 러시아 시장

제23장 북미 시장

제24장 미국 시장

제25장 캐나다 시장

제26장 남미 시장

제27장 브라질 시장

제28장 중동 시장

제29장 아프리카 시장

제30장 경쟁 구도와 기업 프로파일

제31장 기타 주요 기업 및 혁신 기업

제32장 세계 시장 경쟁 벤치마킹과 대시보드

제33장 주요 인수 합병(M&A)

제34장 최근 시장 동향

제35장 시장의 잠재력이 높은 국가, 부문, 전략

제36장 부록

CSM
영문 목차

영문목차

Fintech as a Service (FaaS) is a business model that allows organizations to delegate their financial technology (fintech) services to a third party. This approach empowers businesses to utilize fintech services in a flexible and cost-effective manner, enhancing their financial operations.

The primary categories of fintech as a service include banking, payment, insurance, investment, lending, and others. Banking encompasses commercial enterprises handling money, credit, and various financial affairs for both individuals and corporate entities. These services leverage technologies such as artificial intelligence (AI), blockchain, robotic process automation (RPA), application programming interfaces (API), among others. They find applications in various areas such as fraud monitoring, KYC (Know Your Account) verification, compliance and regulatory support, and more. The end-users of fintech as a service span across banks, financial institutions, insurance companies, and other relevant entities.

Note that the outlook for this market is being affected by rapid changes in trade relations and tariffs globally. The report will be updated prior to delivery to reflect the latest status, including revised forecasts and quantified impact analysis. The report's Recommendations and Conclusions sections will be updated to give strategies for entities dealing with the fast-moving international environment.

The sharp rise in U.S. tariffs and the ensuing trade tensions in spring 2025 are having a considerable impact on the financial sector, particularly in the areas of investment strategies and risk management. The increased tariffs have intensified market volatility, leading institutional investors to adopt more cautious approaches and driving greater demand for hedging solutions. Banks and asset managers are encountering higher costs in cross-border transactions as disrupted global supply chains and declining corporate earnings weigh on equity market performance. At the same time, insurance providers are facing elevated claims risks linked to supply chain interruptions and trade-related business losses. Furthermore, reduced consumer spending and weaker export demand are limiting credit growth and dampening investment appetite. In response to these challenges, the sector must focus on diversification, accelerate digital transformation, and strengthen scenario planning to manage the heightened economic uncertainty and safeguard profitability.

The fintech as a service market research report is one of a series of new reports from The Business Research Company that provides fintech as a service market statistics, including fintech as a service industry global market size, regional shares, competitors with a fintech as a service market share, detailed fintech as a service market segments, market trends, and opportunities, and any further data you may need to thrive in the fintech as a service industry. This fintech as a service market research report delivers a complete perspective of everything you need, with an in-depth analysis of the current and future scenarios of the industry.

The fintech as a service (faas) market size has grown rapidly in recent years. It will grow from $378.33 billion in 2024 to $442.89 billion in 2025 at a compound annual growth rate (CAGR) of 17.1%. The growth in the historic period can be attributed to digital transformation, mobile and internet penetration, regulatory changes, rise of APIS, demand for efficiency.

The fintech as a service (faas) market size is expected to see rapid growth in the next few years. It will grow to $828.06 billion in 2029 at a compound annual growth rate (CAGR) of 16.9%. The growth in the forecast period can be attributed to ai and automation, open banking expansion, blockchain and cryptocurrency, globalization of services, data security and privacy. Major trends in the forecast period include embedded finance, AP ecosystem growth, RegTech and compliance solutions, evolving payment solutions, sustainable finance focus.

The forecast of 16.9% growth over the next five years reflects a modest reduction of 0.2% from the previous estimate for this market. This reduction is primarily due to the impact of tariffs between the US and other countries. This is likely to directly affect the US through slower innovation in financial technology, as modular banking application programming interfaces and cloud-based payment processing solutions, mainly supplied by firms in Singapore and Germany, experience implementation delays due to higher infrastructure costs. The effect will also be felt more widely due to reciprocal tariffs and the negative effect on the global economy and trade due to increased trade tensions and restrictions.

The anticipated surge in the shift towards digital banking and payments is poised to drive the growth of the fintech-as-a-service market. Digital banking, involving transactions conducted through digital platforms, is eliminating paper-based processes, and fintech as a Service (FaaS) is instrumental in this shift. FaaS contributes significantly to digital banking by offering mobile applications, web-based platforms, APIs, and sophisticated applications leveraging artificial intelligence and machine learning to provide financial advice. Moreover, FaaS provides digital banking solutions that empower companies to furnish their customers with online banking services. For example, as of July 2023, an estimated 93% of Brits utilized online banking in 2022, with an additional 5.3 million (10%) intending to acquire a digital-only bank account in 2023. Projections indicate that by 2028, digital-only bank account holders in the UK will reach 22.6 million (43%). Consequently, the upsurge in the adoption of digital banking and payments is steering the growth of the fintech-as-a-service market.

The increasing concerns regarding security and privacy are expected to drive the growth of the fintech-as-a-service market in the future. Security and privacy involve measures and safeguards that protect information and ensure confidentiality, integrity, and availability. In the rapidly expanding Fintech-as-a-Service market, strong cybersecurity protocols and privacy frameworks are crucial for addressing these concerns, building trust, and ensuring the secure management of financial data in digital transactions and services. For instance, in April 2024, data published by the Department for Science, Innovation, and Technology, a UK-based ministerial department, revealed that around 22% of businesses and 14% of charities reported experiencing cybercrime in the past year, with those figures rising to 45% for medium-sized businesses, 58% for large businesses, and 37% for high-income charities. Therefore, the growing concerns about security and privacy are driving the growth of the fintech-as-a-service market.

Technological innovations have emerged as a prominent trend in the fintech-as-a-service market. Major companies in this sector are directing their efforts toward developing technologically advanced solutions to bolster their market positions. An illustrative example is the April 2023 launch of a fintech innovation platform by Valley National Bank, a regional bank holding company based in the US. This platform, powered by NayaOne, facilitates a straightforward and user-friendly onboarding process. Integrated with the offerings of various financial businesses, it provides a toolkit for generating and utilizing synthetic data. This capability allows Valley and its fintech partners to efficiently test and implement novel solutions within a controlled and secure environment.

Major players in the fintech-as-a-service market are forming partnerships to introduce a global fintech-as-a-service solution, simplifying the integration of financial services into business operations. Strategic partnerships involve companies leveraging each other's strengths and resources for mutual benefits. An instance of this approach is the collaboration between PayPugs, a US-based financial services company, and Muniy, a UK-based neobank. Through this partnership, a comprehensive global fintech-as-a-service solution has been introduced, enabling businesses to seamlessly integrate diverse financial services, including payments, remittances, and foreign exchange. By combining PayPugs' expertise in online payments with Muniy's proficiency in personal finance, the collaboration aims to enhance operational efficiency, reduce costs, and meet the growing demand for streamlined financial services, thereby contributing significantly to the expansion of the fintech-as-a-service market.

In March 2023, TD Bank Group, a Canada-based banking and financial services business, completed the acquisition of Cowen Inc. for an undisclosed amount. This strategic move strengthens TD Securities' long-term growth strategy in the United States, expanding its current operations with complementary products and services. Cowen Inc., a US-based fintech company, specializes in equity and debt financing, investment banking, and other financial-related services.

Major companies operating in the fintech as a service (FaaS) market include Stripe Inc., Rapyd Financial Network Ltd., Visa Inc., Mastercard Incorporated, Fiserv Inc., Block Inc., Fidelity National Information Services Inc., Global Payments Inc., NCR Corporation, Broadridge Financial Solutions, Worldline SA, Diebold Nixdorf Incorporated, Coinbase Global Inc, WEX Inc., Jack Henry and Associates Inc., Chime Financial Inc., Finastra, Green Dot Corporation, Envestnet Inc., Adyen NV, Temenos AG, Revolut Ltd., Marqeta Inc., Airwallex Pty Ltd., Plaid Inc., Finix Payments Inc., Square Capital LLC, Dwolla Inc., Synctera Inc., Solid Financial Technologies Inc.

North America was the largest region in the fintech as a service market in 2024. The regions covered in the fintech as a service (faas) market report are Asia-Pacific, Western Europe, Eastern Europe, North America, South America, Middle East, Africa

The countries covered in the fintech as a service (faas) market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Russia, South Korea, UK, USA, Italy, Spain, Canada.

The fintech as a service market includes revenues earned by financial services such as white-label E-Wallet platforms, card acceptance, payment acceptance, payouts, and remittances. Values in this market are 'factory gate' values, that is, the value of goods sold by the manufacturers or creators of the goods, whether to other entities (including downstream manufacturers, wholesalers, distributors, and retailers) or directly to end customers. The value of goods in this market includes related services sold by the creators of the goods.

The market value is defined as the revenues that enterprises gain from the sale of goods and/or services within the specified market and geography through sales, grants, or donations in terms of the currency (in USD, unless otherwise specified).

The revenues for a specified geography are consumption values that are revenues generated by organizations in the specified geography within the market, irrespective of where they are produced. It does not include revenues from resales along the supply chain, either further along the supply chain or as part of other products.

Fintech as a Service (FaaS) Global Market Report 2025 from The Business Research Company provides strategists, marketers and senior management with the critical information they need to assess the market.

This report focuses on fintech as a service (faas) market which is experiencing strong growth. The report gives a guide to the trends which will be shaping the market over the next ten years and beyond.

Reasons to Purchase

Where is the largest and fastest growing market for fintech as a service (faas) ? How does the market relate to the overall economy, demography and other similar markets? What forces will shape the market going forward, including technological disruption, regulatory shifts, and changing consumer preferences? The fintech as a service (faas) market global report from the Business Research Company answers all these questions and many more.

The report covers market characteristics, size and growth, segmentation, regional and country breakdowns, competitive landscape, market shares, trends and strategies for this market. It traces the market's historic and forecast market growth by geography.

The forecasts are made after considering the major factors currently impacting the market. These include the technological advancements such as AI and automation, Russia-Ukraine war, trade tariffs (government-imposed import/export duties), elevated inflation and interest rates.

Scope

Table of Contents

1. Executive Summary

2. Fintech as a Service (FaaS) Market Characteristics

3. Fintech as a Service (FaaS) Market Trends And Strategies

4. Fintech as a Service (FaaS) Market - Macro Economic Scenario Including The Impact Of Interest Rates, Inflation, Geopolitics, Trade Wars and Tariffs, And Covid And Recovery On The Market

5. Global Fintech as a Service (FaaS) Growth Analysis And Strategic Analysis Framework

6. Fintech as a Service (FaaS) Market Segmentation

7. Fintech as a Service (FaaS) Market Regional And Country Analysis

8. Asia-Pacific Fintech as a Service (FaaS) Market

9. China Fintech as a Service (FaaS) Market

10. India Fintech as a Service (FaaS) Market

11. Japan Fintech as a Service (FaaS) Market

12. Australia Fintech as a Service (FaaS) Market

13. Indonesia Fintech as a Service (FaaS) Market

14. South Korea Fintech as a Service (FaaS) Market

15. Western Europe Fintech as a Service (FaaS) Market

16. UK Fintech as a Service (FaaS) Market

17. Germany Fintech as a Service (FaaS) Market

18. France Fintech as a Service (FaaS) Market

19. Italy Fintech as a Service (FaaS) Market

20. Spain Fintech as a Service (FaaS) Market

21. Eastern Europe Fintech as a Service (FaaS) Market

22. Russia Fintech as a Service (FaaS) Market

23. North America Fintech as a Service (FaaS) Market

24. USA Fintech as a Service (FaaS) Market

25. Canada Fintech as a Service (FaaS) Market

26. South America Fintech as a Service (FaaS) Market

27. Brazil Fintech as a Service (FaaS) Market

28. Middle East Fintech as a Service (FaaS) Market

29. Africa Fintech as a Service (FaaS) Market

30. Fintech as a Service (FaaS) Market Competitive Landscape And Company Profiles

31. Fintech as a Service (FaaS) Market Other Major And Innovative Companies

32. Global Fintech as a Service (FaaS) Market Competitive Benchmarking And Dashboard

33. Key Mergers And Acquisitions In The Fintech as a Service (FaaS) Market

34. Recent Developments In The Fintech as a Service (FaaS) Market

35. Fintech as a Service (FaaS) Market High Potential Countries, Segments and Strategies

36. Appendix

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