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Europe SaaS-based Core Banking Software Market Size, Share & Industry Analysis Report By Deployment (Public Cloud, Hybrid Cloud, and Private Cloud), By End-User (Retail Banking, Corporate Banking, Treasury, and Wealth Management), By Banking Type (Large Banks, Midsize Banks, Small Banks, Community Banks, and Credit Unions), By Country and Growth Forecast, 2025 - 2032

Published Date : 22-Aug-2025

Pages: 165

Report Format: PDF + Excel

The Europe SaaS-based Core Banking Software Market would witness market growth of 18.4% CAGR during the forecast period (2025-2032).

The Germany market dominated the Europe SaaS-based Core Banking Software Market by Country in 2024, and would continue to be a dominant market till 2032; thereby, achieving a market value of USD 2,358.6 Million by 2032. The France market is exhibiting a CAGR of 17.6% during (2025 - 2032). Additionally, The UK market would experience a CAGR of 18.9% during (2025 - 2032). The Germany and France led the Europe SaaS-based Core Banking Software Market by Country with a market share of 27.9% and 26% in 2024.

Europe SaaS-based Core Banking Software Market Size, 2021 - 2032

Cloud computing, new rules, and a growing need for digital banking services have all changed the European SaaS-based core banking software market in big ways. Banks switched to scalable, cost-effective SaaS platforms to improve efficiency and customer service because traditional on-premise systems were expensive and hard to change. GDPR and PSD2 made adoption faster by requiring systems to be safe and compliant. At the same time, the rise of fintechs and real-time banking services made the market more competitive. SaaS platforms now support mobile banking, payments, AI-driven analytics, and customer-focused solutions. This helps both big banks and digital-first challengers stay competitive in the changing European financial sector.

AI and ML integration for fraud detection, credit scoring, and personalized customer services are two of the most important trends in the market. Open banking and API ecosystems are also growing, making it easier for fintechs to work together. Providers are still focused on data security and following the rules. They do this by using encryption, multi-factor authentication, and real-time monitoring. Acquisitions, partnerships, and customer-focused customization are some of the best ways to grow a business's offerings and capabilities. Established companies like Temenos, Finastra, and FIS are in charge, but new, flexible fintech companies like Mambu and Thought Machine are pushing for new ideas, making the cloud-native, scalable, and secure SaaS core banking space even more competitive.

End-User Outlook

Based on End-User, the market is segmented into Retail Banking, Corporate Banking, Treasury, and Wealth Management. Among various UK SaaS-based Core Banking Software Market by End-User; The Retail Banking market achieved a market size of USD $1021.7 Million in 2024 and is expected to grow at a CAGR of 18.3 % during the forecast period. The Treasury market is predicted to experience a CAGR of 19.6% throughout the forecast period from (2025 - 2032).

Deployment Outlook

Based on Deployment, the market is segmented into Public Cloud, Hybrid Cloud, and Private Cloud. The Public Cloud market segment dominated the Spain SaaS-based Core Banking Software Market by Deployment is expected to grow at a CAGR of 20.3 % during the forecast period thereby continuing its dominance until 2032. Also, The Private Cloud market is anticipated to grow as a CAGR of 22.3 % during the forecast period during (2025 - 2032).

Country SaaS-based Core Banking Software Market Size by Segmentation

Free Valuable Insights: The Global SaaS-based Core Banking Software Market will Hit USD 43.72 Billion by 2032, at a CAGR of 18.9%

Country Outlook

The market for SaaS-based core banking software in Germany is changing quickly as banks modernize old systems and meet rules like GDPR and PSD2 by going digital. Cloud-based platforms let banks offer faster, more flexible services to tech-savvy customers by making their services more scalable, cost-effective, and secure. Digital banking and fintech competition are making people more likely to use it, and AI and machine learning integration help automate boring tasks and offer personalized services. In general, SaaS solutions are becoming necessary for German banks to stay competitive in a fast-changing financial market, improve their operations, and come up with new ideas.

List of Key Companies Profiled

  • nCino, Inc
  • Temenos AG
  • Mambu B.V
  • Oracle Corporation
  • Fiserv, Inc.
  • Jack Henry & Associates, Inc.
  • Finastra Group Holdings Limited (Vista Equity Partners)
  • Tata Consultancy Services Ltd.
  • SAP SE
  • Fidelity National Information Services, Inc.

Europe SaaS-based Core Banking Software Market Report Segmentation

By Deployment

  • Public Cloud
  • Hybrid Cloud
  • Private Cloud

By End-User

  • Retail Banking
  • Corporate Banking
  • Treasury
  • Wealth Management

By Banking Type

  • Large Banks
  • Midsize Banks
  • Small Banks
  • Community Banks
  • Credit Unions

By Country

  • Germany
  • UK
  • France
  • Russia
  • Spain
  • Italy
  • Rest of Europe
Chapter 1. Market Scope & Methodology
1.1 Market Definition
1.2 Objectives
1.3 Market Scope
1.4 Segmentation
1.4.1 Europe SaaS-based Core Banking Software Market, by Deployment
1.4.2 Europe SaaS-based Core Banking Software Market, by End-User
1.4.3 Europe SaaS-based Core Banking Software Market, by Banking Type
1.4.4 Europe SaaS-based Core Banking Software Market, by Country
1.5 Methodology for the research

Chapter 2. Market at a Glance
2.1 Key Highlights

Chapter 3. Market Overview
3.1 Introduction
3.1.1 Overview
3.1.1.1 Market Composition and Scenario
3.2 Key Factors Impacting the Market
3.2.1 Market Drivers
3.2.2 Market Restraints
3.2.3 Market Opportunities
3.2.4 Market Challenges

Chapter 4. Market Trends Europe SaaS-based Core Banking Software Market
Chapter 5. State of Competition Europe SaaS-based Core Banking Software Market
Chapter 6. PLC (Product Life Cycle) - Global SaaS-based Core Banking Software Market
Chapter 7. Market Consolidation - SaaS-based Core Banking Software Market
Chapter 8. Value Chain Analysis of SaaS-based Core Banking Software Market
Chapter 9. Competition Analysis - Global
9.1 KBV Cardinal Matrix
9.2 Recent Industry Wide Strategic Developments
9.2.1 Partnerships, Collaborations and Agreements
9.2.2 Product Launches and Product Expansions
9.2.3 Acquisition and Mergers
9.3 Market Share Analysis, 2024
9.4 Top Winning Strategies
9.4.1 Key Leading Strategies: Percentage Distribution (2021-2025)
9.4.2 Key Strategic Move: (Partnerships, Collaborations & Agreements: 2021, Dec – 2025, Jun) Leading Players
9.5 Porter Five Forces Analysis

Chapter 10. Key Customer Criteria - SaaS-based Core Banking Software Market
Chapter 11. Europe SaaS-based Core Banking Software Market by Deployment
11.1 Europe Public Cloud Market by Country
11.2 Europe Hybrid Cloud Market by Country
11.3 Europe Private Cloud Market by Country

Chapter 12. Europe SaaS-based Core Banking Software Market by End-User
12.1 Europe Retail Banking Market by Country
12.2 Europe Corporate Banking Market by Country
12.3 Europe Treasury Market by Country
12.4 Europe Wealth Management Market by Country

Chapter 13. Europe SaaS-based Core Banking Software Market by Banking Type
13.1 Europe Large Banks Market by Country
13.2 Europe Midsize Banks Market by Country
13.3 Europe Small Banks Market by Country
13.4 Europe Community Banks Market by Country
13.5 Europe Credit Unions Market by Country

Chapter 14. Europe SaaS-based Core Banking Software Market by Country
14.1 Germany SaaS-based Core Banking Software Market
14.1.1 Germany SaaS-based Core Banking Software Market by Deployment
14.1.2 Germany SaaS-based Core Banking Software Market by End-User
14.1.3 Germany SaaS-based Core Banking Software Market by Banking Type
14.2 France SaaS-based Core Banking Software Market
14.2.1 France SaaS-based Core Banking Software Market by Deployment
14.2.2 France SaaS-based Core Banking Software Market by End-User
14.2.3 France SaaS-based Core Banking Software Market by Banking Type
14.3 UK SaaS-based Core Banking Software Market
14.3.1 UK SaaS-based Core Banking Software Market by Deployment
14.3.2 UK SaaS-based Core Banking Software Market by End-User
14.3.3 UK SaaS-based Core Banking Software Market by Banking Type
14.4 Russia SaaS-based Core Banking Software Market
14.4.1 Russia SaaS-based Core Banking Software Market by Deployment
14.4.2 Russia SaaS-based Core Banking Software Market by End-User
14.4.3 Russia SaaS-based Core Banking Software Market by Banking Type
14.5 Spain SaaS-based Core Banking Software Market
14.5.1 Spain SaaS-based Core Banking Software Market by Deployment
14.5.2 Spain SaaS-based Core Banking Software Market by End-User
14.5.3 Spain SaaS-based Core Banking Software Market by Banking Type
14.6 Italy SaaS-based Core Banking Software Market
14.6.1 Italy SaaS-based Core Banking Software Market by Deployment
14.6.2 Italy SaaS-based Core Banking Software Market by End-User
14.6.3 Italy SaaS-based Core Banking Software Market by Banking Type
14.7 Rest of Europe SaaS-based Core Banking Software Market
14.7.1 Rest of Europe SaaS-based Core Banking Software Market by Deployment
14.7.2 Rest of Europe SaaS-based Core Banking Software Market by End-User
14.7.3 Rest of Europe SaaS-based Core Banking Software Market by Banking Type

Chapter 15. Company Profiles
15.1 nCino, Inc
15.1.1 Company Overview
15.1.2 Financial Analysis
15.1.3 Regional Analysis
15.1.4 Research & Development Expenses
15.1.5 Recent strategies and developments:
15.1.5.1 Partnerships, Collaborations, and Agreements:
15.1.5.2 Product Launches and Product Expansions:
15.1.5.3 Acquisition and Mergers:
15.1.6 SWOT Analysis
15.2 Temenos AG
15.2.1 Company Overview
15.2.2 Financial Analysis
15.2.3 Segmental Analysis
15.2.4 Recent strategies and developments:
15.2.4.1 Partnerships, Collaborations, and Agreements:
15.2.4.2 Product Launches and Product Expansions:
15.2.5 SWOT Analysis
15.3 Mambu B.V.
15.3.1 Company Overview
15.3.2 Recent strategies and developments:
15.3.2.1 Partnerships, Collaborations, and Agreements:
15.3.2.2 Product Launches and Product Expansions:
15.4 Oracle Corporation
15.4.1 Company Overview
15.4.2 Financial Analysis
15.4.3 Segmental and Regional Analysis
15.4.4 Research & Development Expense
15.4.5 Recent strategies and developments:
15.4.5.1 Product Launches and Product Expansions:
15.4.6 SWOT Analysis
15.5 Fiserv, Inc.
15.5.1 Company Overview
15.5.2 Financial Analysis
15.5.3 Segmental and Regional Analysis
15.5.4 Recent strategies and developments:
15.5.4.1 Acquisition and Mergers:
15.6 Jack Henry & Associates, Inc.
15.6.1 Company Overview
15.6.2 Financial Analysis
15.6.3 Research & Development Expenses
15.7 Finastra Group Holdings Limited (Vista Equity Partners)
15.7.1 Company Overview
15.7.2 Recent strategies and developments:
15.7.2.1 Partnerships, Collaborations, and Agreements:
15.8.1 Company Overview
15.8.2 Financial Analysis
15.8.3 Segmental and Regional Analysis
15.8.4 Research & Development Expenses
15.8.5 SWOT Analysis
15.9 SAP SE
15.9.1 Company Overview
15.9.2 Financial Analysis
15.9.3 Regional Analysis
15.9.4 Research & Development Expense
15.9.5 SWOT Analysis
15.10. Fidelity National Information Services, Inc.
15.10.1 Company Overview
15.10.2 Financial Analysis
15.10.3 Segmental and Regional Analysis
15.10.4 SWOT Analysis
TABLE 1 Europe SaaS-based Core Banking Software Market, 2021 - 2024, USD Million
TABLE 2 Europe SaaS-based Core Banking Software Market, 2025 - 2032, USD Million
TABLE 3 Partnerships, Collaborations and Agreements– SaaS-based Core Banking Software Market
TABLE 4 Product Launches And Product Expansions– SaaS-based Core Banking Software Market
TABLE 5 Acquisition and Mergers– SaaS-based Core Banking Software Market
TABLE 6 Key Customer Criteria - SaaS-based Core Banking Software Market
TABLE 7 Europe SaaS-based Core Banking Software Market by Deployment, 2021 - 2024, USD Million
TABLE 8 Europe SaaS-based Core Banking Software Market by Deployment, 2025 - 2032, USD Million
TABLE 9 Europe Public Cloud Market by Country, 2021 - 2024, USD Million
TABLE 10 Europe Public Cloud Market by Country, 2025 - 2032, USD Million
TABLE 11 Europe Hybrid Cloud Market by Country, 2021 - 2024, USD Million
TABLE 12 Europe Hybrid Cloud Market by Country, 2025 - 2032, USD Million
TABLE 13 Europe Private Cloud Market by Country, 2021 - 2024, USD Million
TABLE 14 Europe Private Cloud Market by Country, 2025 - 2032, USD Million
TABLE 15 Europe SaaS-based Core Banking Software Market by End-User, 2021 - 2024, USD Million
TABLE 16 Europe SaaS-based Core Banking Software Market by End-User, 2025 - 2032, USD Million
TABLE 17 Europe Retail Banking Market by Country, 2021 - 2024, USD Million
TABLE 18 Europe Retail Banking Market by Country, 2025 - 2032, USD Million
TABLE 19 Europe Corporate Banking Market by Country, 2021 - 2024, USD Million
TABLE 20 Europe Corporate Banking Market by Country, 2025 - 2032, USD Million
TABLE 21 Europe Treasury Market by Country, 2021 - 2024, USD Million
TABLE 22 Europe Treasury Market by Country, 2025 - 2032, USD Million
TABLE 23 Europe Wealth Management Market by Country, 2021 - 2024, USD Million
TABLE 24 Europe Wealth Management Market by Country, 2025 - 2032, USD Million
TABLE 25 Europe SaaS-based Core Banking Software Market by Banking Type, 2021 - 2024, USD Million
TABLE 26 Europe SaaS-based Core Banking Software Market by Banking Type, 2025 - 2032, USD Million
TABLE 27 Europe Large Banks Market by Country, 2021 - 2024, USD Million
TABLE 28 Europe Large Banks Market by Country, 2025 - 2032, USD Million
TABLE 29 Europe Midsize Banks Market by Country, 2021 - 2024, USD Million
TABLE 30 Europe Midsize Banks Market by Country, 2025 - 2032, USD Million
TABLE 31 Europe Small Banks Market by Country, 2021 - 2024, USD Million
TABLE 32 Europe Small Banks Market by Country, 2025 - 2032, USD Million
TABLE 33 Europe Community Banks Market by Country, 2021 - 2024, USD Million
TABLE 34 Europe Community Banks Market by Country, 2025 - 2032, USD Million
TABLE 35 Europe Credit Unions Market by Country, 2021 - 2024, USD Million
TABLE 36 Europe Credit Unions Market by Country, 2025 - 2032, USD Million
TABLE 37 Europe SaaS-based Core Banking Software Market by Country, 2021 - 2024, USD Million
TABLE 38 Europe SaaS-based Core Banking Software Market by Country, 2025 - 2032, USD Million
TABLE 39 Germany SaaS-based Core Banking Software Market, 2021 - 2024, USD Million
TABLE 40 Germany SaaS-based Core Banking Software Market, 2025 - 2032, USD Million
TABLE 41 Germany SaaS-based Core Banking Software Market by Deployment, 2021 - 2024, USD Million
TABLE 42 Germany SaaS-based Core Banking Software Market by Deployment, 2025 - 2032, USD Million
TABLE 43 Germany SaaS-based Core Banking Software Market by End-User, 2021 - 2024, USD Million
TABLE 44 Germany SaaS-based Core Banking Software Market by End-User, 2025 - 2032, USD Million
TABLE 45 Germany SaaS-based Core Banking Software Market by Banking Type, 2021 - 2024, USD Million
TABLE 46 Germany SaaS-based Core Banking Software Market by Banking Type, 2025 - 2032, USD Million
TABLE 47 France SaaS-based Core Banking Software Market, 2021 - 2024, USD Million
TABLE 48 France SaaS-based Core Banking Software Market, 2025 - 2032, USD Million
TABLE 49 France SaaS-based Core Banking Software Market by Deployment, 2021 - 2024, USD Million
TABLE 50 France SaaS-based Core Banking Software Market by Deployment, 2025 - 2032, USD Million
TABLE 51 France SaaS-based Core Banking Software Market by End-User, 2021 - 2024, USD Million
TABLE 52 France SaaS-based Core Banking Software Market by End-User, 2025 - 2032, USD Million
TABLE 53 France SaaS-based Core Banking Software Market by Banking Type, 2021 - 2024, USD Million
TABLE 54 France SaaS-based Core Banking Software Market by Banking Type, 2025 - 2032, USD Million
TABLE 55 UK SaaS-based Core Banking Software Market, 2021 - 2024, USD Million
TABLE 56 UK SaaS-based Core Banking Software Market, 2025 - 2032, USD Million
TABLE 57 UK SaaS-based Core Banking Software Market by Deployment, 2021 - 2024, USD Million
TABLE 58 UK SaaS-based Core Banking Software Market by Deployment, 2025 - 2032, USD Million
TABLE 59 UK SaaS-based Core Banking Software Market by End-User, 2021 - 2024, USD Million
TABLE 60 UK SaaS-based Core Banking Software Market by End-User, 2025 - 2032, USD Million
TABLE 61 UK SaaS-based Core Banking Software Market by Banking Type, 2021 - 2024, USD Million
TABLE 62 UK SaaS-based Core Banking Software Market by Banking Type, 2025 - 2032, USD Million
TABLE 63 Russia SaaS-based Core Banking Software Market, 2021 - 2024, USD Million
TABLE 64 Russia SaaS-based Core Banking Software Market, 2025 - 2032, USD Million
TABLE 65 Russia SaaS-based Core Banking Software Market by Deployment, 2021 - 2024, USD Million
TABLE 66 Russia SaaS-based Core Banking Software Market by Deployment, 2025 - 2032, USD Million
TABLE 67 Russia SaaS-based Core Banking Software Market by End-User, 2021 - 2024, USD Million
TABLE 68 Russia SaaS-based Core Banking Software Market by End-User, 2025 - 2032, USD Million
TABLE 69 Russia SaaS-based Core Banking Software Market by Banking Type, 2021 - 2024, USD Million
TABLE 70 Russia SaaS-based Core Banking Software Market by Banking Type, 2025 - 2032, USD Million
TABLE 71 Spain SaaS-based Core Banking Software Market, 2021 - 2024, USD Million
TABLE 72 Spain SaaS-based Core Banking Software Market, 2025 - 2032, USD Million
TABLE 73 Spain SaaS-based Core Banking Software Market by Deployment, 2021 - 2024, USD Million
TABLE 74 Spain SaaS-based Core Banking Software Market by Deployment, 2025 - 2032, USD Million
TABLE 75 Spain SaaS-based Core Banking Software Market by End-User, 2021 - 2024, USD Million
TABLE 76 Spain SaaS-based Core Banking Software Market by End-User, 2025 - 2032, USD Million
TABLE 77 Spain SaaS-based Core Banking Software Market by Banking Type, 2021 - 2024, USD Million
TABLE 78 Spain SaaS-based Core Banking Software Market by Banking Type, 2025 - 2032, USD Million
TABLE 79 Italy SaaS-based Core Banking Software Market, 2021 - 2024, USD Million
TABLE 80 Italy SaaS-based Core Banking Software Market, 2025 - 2032, USD Million
TABLE 81 Italy SaaS-based Core Banking Software Market by Deployment, 2021 - 2024, USD Million
TABLE 82 Italy SaaS-based Core Banking Software Market by Deployment, 2025 - 2032, USD Million
TABLE 83 Italy SaaS-based Core Banking Software Market by End-User, 2021 - 2024, USD Million
TABLE 84 Italy SaaS-based Core Banking Software Market by End-User, 2025 - 2032, USD Million
TABLE 85 Italy SaaS-based Core Banking Software Market by Banking Type, 2021 - 2024, USD Million
TABLE 86 Italy SaaS-based Core Banking Software Market by Banking Type, 2025 - 2032, USD Million
TABLE 87 Rest of Europe SaaS-based Core Banking Software Market, 2021 - 2024, USD Million
TABLE 88 Rest of Europe SaaS-based Core Banking Software Market, 2025 - 2032, USD Million
TABLE 89 Rest of Europe SaaS-based Core Banking Software Market by Deployment, 2021 - 2024, USD Million
TABLE 90 Rest of Europe SaaS-based Core Banking Software Market by Deployment, 2025 - 2032, USD Million
TABLE 91 Rest of Europe SaaS-based Core Banking Software Market by End-User, 2021 - 2024, USD Million
TABLE 92 Rest of Europe SaaS-based Core Banking Software Market by End-User, 2025 - 2032, USD Million
TABLE 93 Rest of Europe SaaS-based Core Banking Software Market by Banking Type, 2021 - 2024, USD Million
TABLE 94 Rest of Europe SaaS-based Core Banking Software Market by Banking Type, 2025 - 2032, USD Million
TABLE 95 Key Information – nCino, Inc
TABLE 96 Key Information – Temenos AG
TABLE 97 Key Information – Mambu B.V.
TABLE 98 Key Information – Oracle Corporation
TABLE 99 Key Information – Fiserv, Inc.
TABLE 100 Key Information – Jack Henry & Associates, Inc.
TABLE 101 Key Information – Finastra Group Holdings Limited
TABLE 102 Key Information – Tata Consultancy Services Ltd.
TABLE 103 Key Information – SAP SE
TABLE 104 Key Information – Fidelity National Information Services, Inc.

List of Figures
FIG 1 Methodology for the research
FIG 2 Europe SaaS-based Core Banking Software Market, 2021 - 2032, USD Million
FIG 3 Key Factors Impacting Europe SaaS-based Core Banking Software Market
FIG 4 KBV Cardinal Matrix
FIG 5 Market Share Analysis, 2024
FIG 6 Key Leading Strategies: Percentage Distribution (2021-2025)
FIG 7 Key Strategic Move: (Partnerships, Collaborations & Agreements: 2021, Dec – 2025, Jun) Leading Players
FIG 8 Porter’s Five Forces Analysis – SaaS-based Core Banking Software Market
FIG 9 Key Customer Criteria - SaaS-based Core Banking Software Market
FIG 10 Europe SaaS-based Core Banking Software Market share by Deployment, 2024
FIG 11 Europe SaaS-based Core Banking Software Market share by Deployment, 2032
FIG 12 Europe SaaS-based Core Banking Software Market by Deployment, 2021 - 2032, USD Million
FIG 13 Europe SaaS-based Core Banking Software Market share by End-User, 2024
FIG 14 Europe SaaS-based Core Banking Software Market share by End-User, 2032
FIG 15 Europe SaaS-based Core Banking Software Market by End-User, 2021 - 2032, USD Million
FIG 16 Europe SaaS-based Core Banking Software Market share by Banking Type, 2024
FIG 17 Europe SaaS-based Core Banking Software Market share by Banking Type, 2032
FIG 18 Europe SaaS-based Core Banking Software Market by Banking Type, 2021 - 2032, USD Million
FIG 19 Europe SaaS-based Core Banking Software Market share by Country, 2024
FIG 20 Europe SaaS-based Core Banking Software Market share by Country, 2032
FIG 21 Europe SaaS-based Core Banking Software Market by Country, 2021 - 2032, USD Million
FIG 22 Recent strategies and developments: nCino, Inc
FIG 23 SWOT Analysis: nCino, Inc.
FIG 24 Recent strategies and developments: Temenos AG
FIG 25 Swot Analysis: Temenos AG
FIG 26 Recent strategies and developments: Mambu B.V
FIG 27 SWOT Analysis: Oracle Corporation
FIG 28 SWOT Analysis: Tata Consultancy Services Ltd.
FIG 29 SWOT Analysis: SAP SE
FIG 30 SWOT Analysis: Fidelity National Information Services, Inc.

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