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市场调查报告书
商品编码
1887186
个人理财软体市场规模、占有率、成长及全球产业分析:依类型、应用和地区划分的洞察与预测(2024-2032)Personal Finance Software Market Size, Share, Growth and Global Industry Analysis By Type & Application, Regional Insights and Forecast to 2024-2032 |
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随着消费者越来越多地使用数位化工具进行预算、银行业务、投资和维护整体财务健康,全球个人理财软体市场持续快速成长。根据2024年的产业评估,受金融素养提高、数位科技普及以及对即时财务资讯日益增长的需求等因素的推动,该市场规模在2024年达到12.8亿美元。预计到2025年,市场规模将成长至13.5亿美元,到2032年将达到21.9亿美元,预测期内复合年增长率(CAGR)为7.2%。 2024年,北美以33.59%的市占率领先全球市场,这主要得益于金融应用程式的普及和金融科技领域的创新。
数位转型正在加速市场成长
随着金融科技的进步重塑个人和小型企业监控和规划财务的方式,个人理财软体市场已显着成熟。行动应用程式和云端工具使用户能够随时随地追踪支出、管理帐单支付、分析投资并自动储蓄。 Quicken Inc.、The Infinite Kind、Buxfer Inc.、Doxo Inc.和You Need A Budget LLC等公司正在扩展其产品和服务,以满足不断变化的消费者期望。同时,金融科技合作关係也不断提升服务能力。例如,2024年8月,Galileo Financial Technologies帮助合作伙伴公司整合了万事达卡的智慧数据分析平台,以增强企业费用管理。
新冠疫情进一步加速了数位金融的普及,推动了市场的强劲表现,因为越来越多的用户寻求远端工具来管理他们的帐户、信用卡、储蓄和投资。
生成式人工智慧的影响:变革的力量
生成式人工智慧正在透过实现自动化预算、投资洞察、信用管理和个人化推荐,塑造个人理财的未来。 Google Gemini、Cleo 和 ChatGPT 等工具已成为财务规划的必备工具。根据 Cleo 发布的 "2024 年人工智慧与金融报告" ,74% 的 Z 世代和千禧世代愿意使用人工智慧驱动的金融工具,57% 的 18-24 岁美国成年人已经在人工智慧的帮助下进行退休储蓄。 Experian 的 2024 年调查也发现,67% 的 Z 世代和 62% 的千禧世代正在使用人工智慧进行预算(60%)、投资规划(48%)和信用评分提升(48%)。这些变化显示使用者对数位咨询技术的信任度正在不断提高。
市场驱动因素
行动银行已经改变了全球的金融行为。随着金融科技公司和新型银行不断扩展其数位银行解决方案,传统银行也开始提供创新的金融工具。 2025年1月,阿布达比伊斯兰银行发布了阿联酋首个个人财务管理工具“ADIB 资金管理追踪器”,旨在帮助用户更有效地管理其财务活动。
区块链、人工智慧、机器学习和自动化投资工具等新兴技术正在推动市场扩张。这些创新正在为去中心化的金融服务和个人化资金管理铺平道路。
市场限制因子
网路安全威胁
随着数位交易的增加,与身分盗窃、网路钓鱼和网路诈骗相关的风险也在增加。例如,VMware报告称,2020年初针对金融机构的网路攻击增加了238%,金融业资料外洩的平均成本达到572万美元(IBM和Ponemon Institute)。这些威胁阻碍了一些用户采用金融软体,尤其是在云端环境中。
市场机会
发展中国家的普及率不断提高
亚太地区、南美洲以及中东和非洲的新兴市场蕴藏着巨大的成长机会。智慧型手机普及率的提高和网路存取的扩大正在推动数位个人理财工具的普及。人工智慧和机器学习也在提升发展中地区金融机构的金融风险评估和规划能力。
区域趋势
预计2024年,北美市场规模将达到4.3亿美元,主要得益于金融科技的广泛应用和金融教育措施。亚太地区预计将成为成长最快的地区,预计到2025年,该地区市场规模将达到2.8亿美元,主要得益于中国、印度和日本对数位银行的普及。预计到2025年,欧洲市场规模将达到3.3亿美元,反映出人们对预算和规划应用程式的浓厚兴趣。随着数位素养和行动装置普及率的提高,南美以及中东和非洲地区将实现稳步成长。
The global personal finance software market continues to expand rapidly as consumers increasingly rely on digital tools to manage their budgets, banking, investments, and overall financial well-being. According to the 2024 industry assessment, the market size stood at USD 1.28 billion in 2024, supported by rising financial literacy, digital adoption, and the growing need for real-time financial visibility. The market is projected to grow to USD 1.35 billion in 2025, eventually reaching USD 2.19 billion by 2032, reflecting a strong CAGR of 7.2% over the forecast period. In 2024, North America led the global market with a 33.59% share, driven by widespread use of financial apps and innovations in fintech.
Digital Transformation Accelerating Market Growth
The personal finance software market has matured significantly as fintech advancements reshape how individuals and small businesses monitor and plan their finances. Mobile apps and cloud-based tools now enable users to track expenses, manage bill payments, analyze investments, and automate savings anytime and anywhere. Companies such as Quicken Inc., The Infinite Kind, Buxfer Inc., Doxo Inc., and You Need A Budget LLC have expanded their offerings to meet evolving consumer expectations. Meanwhile, financial technology partnerships continue to enhance service capabilities. For example, in August 2024, Galileo Financial Technologies enabled partners to integrate MasterCard's Smart Data analytics platform, strengthening enterprise expense management.
The COVID-19 pandemic further accelerated digital finance adoption as users sought remote tools to manage accounts, credit cards, savings, and investments, contributing to a positive market trajectory.
Impact of Generative AI: A Transformative Force
Generative AI is shaping the future of personal finance by enabling automated budgeting, investment insights, credit management, and personalized recommendations. Tools like Google Gemini, Cleo, and ChatGPT have become integral to financial planning. According to Cleo's 2024 AI & Money Report, 74% of Gen Z and Millennials are open to using AI-powered financial tools, while 57% of U.S. adults aged 18-24 are already saving for retirement with AI assistance. Experian's 2024 survey also found that 67% of Gen Z and 62% of Millennials used AI for budgeting (60%), investment planning (48%), and improving credit scores (48%). These shifts highlight growing user confidence in digital advisory technologies.
Market Drivers
Mobile banking has transformed financial behavior globally. Fintech companies and neobanks have expanded digital banking solutions, prompting traditional banks to launch innovative financial tools. In January 2025, Abu Dhabi Islamic Bank launched the UAE's first personal finance management tool-ADIB Money Management Tracker-offering users enhanced control over financial activities.
Emerging technologies such as blockchain, AI, machine learning, and automated investment tools are contributing to market expansion. These innovations open new pathways for decentralized financial services and personalized money management.
Market Restraints
Cybersecurity Threats
With growing digital transactions, risks related to identity theft, phishing, and online fraud have intensified. For instance, VMware reported a 238% rise in cyberattacks on financial institutions in early 2020, while the average cost of a financial sector data breach reached USD 5.72 million (IBM & Ponemon Institute). These threats discourage some users from adopting financial software, especially in cloud-based environments.
Market Opportunities
Growing Adoption in Developing Economies
Emerging markets in Asia Pacific, South America, and the Middle East & Africa provide substantial growth opportunities. Increased smartphone penetration and expanding internet access are enabling greater adoption of digital personal finance tools. AI and machine learning also enhance financial risk assessment and planning capabilities across institutions in developing regions.
Regional Landscape
North America recorded USD 0.43 billion in 2024, supported by strong fintech penetration and financial education initiatives. Asia Pacific is set to grow fastest, with the regional market expected to reach USD 0.28 billion in 2025, driven by digital banking adoption in China, India, and Japan. Europe is forecast to reach USD 0.33 billion in 2025, reflecting strong interest in budgeting and planning apps. South America and the Middle East & Africa will grow steadily as digital literacy and mobile adoption rise.
Competitive Landscape
Key players include Quicken Inc., The Infinite Kind, YNAB, Buxfer Inc., Doxo Inc., Money Dashboard, Moneyspire Inc., Spendee, Personal Capital, Banktivity, Finicity, PayU, PayPal, PocketSmith, and others. Product expansions, acquisitions, and AI-driven innovation remain core strategic priorities. For example, Moneyspire's 2025 version introduced enhanced budgeting and reporting features, while Doxo launched doxoBILLS, enabling secure bill payments to over 120,000 billers.
Segmentation By Tool
By Type
By Deployment
By End-user
By Region
Companies Profiled in the Report Quicken Inc. (U.S.), The Infinite Kind (Scotland), You Need A Budget LLC (U.S.), Buxfer Inc. (U.S.), Doxo Inc. (U.S.), Money Dashboard Limited (U.K.), Moneyspire Inc. (U.S.), Personal Capital Corp. (U.S.), Pocket Smith Ltd. (New Zealand), and Paypal Inc. (U.S.).