市场调查报告书
商品编码
1561630
按类型(解决方案、服务)、部署模型(基于云端、本地)、应用程式(虚拟助理(聊天机器人)、信用评分、定量和资产管理、诈欺检测等)和区域分類的金融科技市场人工智慧报告2024-2032AI in Fintech Market Report by Type (Solutions, Services), Deployment Model (Cloud-based, On-premises), Application (Virtual Assistant (Chatbots), Credit Scoring, Quantitative and Asset Management, Fraud Detection, and Others), and Region 2024-2032 |
2023年,全球人工智慧金融科技市场IMARC Group达146亿美元。科技的快速进步、对监管合规性的需求不断增长、对个人化服务的需求不断增长、金融科技中广泛采用人工智慧来降低金融风险、网路诈欺发生率的增加以及金融科技中人工智慧的使用不断增加以实现财务流程自动化是其中一些主要因素。
科技的快速进步
人工智慧在金融科技中的整合很大程度上受到持续技术进步的影响。与此一致的是,整合机器学习(ML)演算法来完善巨量资料分析并扩展其在金融领域的潜在应用正在推动市场成长。此外,这些创新能够高速且准确地处理和解释大量资料,提供即时洞察和自动化功能。此外,量子运算和云端技术的发展进一步增强了复杂金融建模所需的运算能力,正在推动市场成长。除此之外,金融科技公司正在利用这些先进技术来创造个人化银行体验、自动化交易,并以前所未有的精度管理风险。此外,技术进步不仅提高了效率,也为全新产品和服务打开了大门。
监理合规需求不断成长
金融业的运作遵循一套复杂的法规,各个司法管辖区的法规各不相同。遵守这些法规不仅是强制性的,而且对于维护消费者信任和金融体系的整体完整性也至关重要。据此,金融科技中的人工智慧在确保监管合规性以及自动监控和分析数百万笔交易以检测异常或不遵守相关法律方面发挥着至关重要的作用。除此之外,整合自然语言处理(NLP)来解释不断变化的监管文本,确保金融机构始终了解最新要求,并对市场成长产生正面影响。此外,合规流程的自动化减少了人为错误的可能性,并实现了对监管变化更加敏感和适应性更强的方法。
对个人化服务的需求不断增长
消费者对包括金融在内的所有服务业的个人化体验日益增长的期望正在推动市场成长。人工智慧透过分析大量客户资料并识别个人偏好、消费习惯和财务需求,在满足这项需求方面发挥着至关重要的作用。此外,这些资讯也用于为每位客户量身定制金融产品、优惠和建议。此外,人工智慧使金融机构能够透过以前无法实现的客製化等级提供个人化投资策略或个人化贷款优惠。除此之外,人工智慧的广泛使用有助于提高客户忠诚度、增加参与度和提高整体满意度。因此,采用人工智慧创建量身定制的金融解决方案不仅是一种趋势,而且是金融服务提供方式的根本性转变。
The global AI in fintech market size reached US$ 14.6 Billion in 2023. Looking forward, IMARC Group expects the market to reach US$ 87.7 Billion by 2032, exhibiting a growth rate (CAGR) of 20.9% during 2024-2032. The rapid technological advancements, rising demand for regulatory compliances, growing demand for personalized services, widespread adoption of AI in fintech to mitigate financial risks, increasing incidence of cyber fraud, and rising utilization of AI in fintech to automate financial processes are some of the major factors propelling the AI in fintech market growth.
The rapid technological advancements
The integration of AI in fintech is heavily influenced by ongoing technological advancements. In line with this, the integration of machine learning (ML) algorithms to refine big data analytics and expand its potential applications within the financial sector is boosting the market growth. Furthermore, these innovations enable the accurate processing and interpretation of vast amounts of data at high speeds, providing real-time insights and automation capabilities. Moreover, the development of quantum computing and cloud technologies, which further enhance the computational power necessary for complex financial modeling, is fueling the market growth. Besides this, fintech companies are leveraging these advanced technologies to create personalized banking experiences, automated trading, and manage risks with unprecedented precision. In addition, technological advancements are not only driving efficiency but also opening doors to entirely new products and services.
The rising demand for regulatory compliance
The financial industry operates under a complex set of regulations that vary across jurisdictions. Compliance with these regulations is not just mandatory but also critical to maintaining consumer trust and the overall integrity of the financial system. In line with this, AI in fintech plays a vital role in ensuring regulatory compliance and automatically monitoring and analyzing millions of transactions to detect anomalies or non-compliance with relevant laws. Along with this, the integration of natural language processing (NLP) to interpret the ever-changing regulatory texts, ensuring that financial institutions are always up-to-date with the latest requirements, is positively influencing the market growth. Additionally, the automation of compliance processes reduces the potential for human error and enables a more responsive and adaptable approach to regulatory changes.
The growing demand for personalized services
The increasing consumer expectation for personalized experiences across all service sectors, including finance, is propelling the market growth. AI plays a crucial role in meeting this demand by analyzing vast amounts of customer data and identifying individual preferences, spending habits, and financial needs. Furthermore, this information is used to tailor financial products, offers, and advice to each customer. In addition, AI enables financial institutions to provide a personalized investment strategy or individualized loan offers through levels of customization that were previously unattainable. Apart from this, the widespread utilization of AI is aiding in enhancing customer loyalty, increasing engagement, and improving overall satisfaction. As a result, the adoption of AI in creating tailored financial solutions is not merely a trend but a fundamental shift in the way financial services are delivered.
IMARC Group provides an analysis of the key trends in each segment of the global AI in fintech market report, along with AI in fintech market forecast at the global, regional and country levels from 2024-2032. Our report has categorized the market based on type, deployment model and application.
Solutions dominate the market
The report has provided a detailed breakup and analysis of the market based on the type. This includes solutions and services. According to the report, solutions represented the largest segment.
AI solutions are dominating the market as they are designed to meet specific challenges within the financial industry, such as fraud detection, risk management, and customer service. Furthermore, they provide personalized service offerings, resulting in improved customer engagement and satisfaction. They also assist in understanding customer behavior and predicting their needs, thus facilitating tailored products and services. Apart from this, AI solutions are designed to integrate seamlessly with existing financial systems, which allows organizations to adopt AI without major overhauls, reducing resistance and encouraging adoption. Additionally, they can be scaled according to the business needs and market dynamics, which allows companies to grow and adapt without significant additional investment in technology. Moreover, AI solutions lead to cost savings by automating routine tasks and optimizing operational workflows.
Cloud-based dominates the market
The report has provided a detailed breakup and analysis of the market based on the deployment model. This includes cloud-based and on-premises. According to the report, cloud-based represented the largest segment.
Cloud-based models offer a cost-effective solution as they reduce the need for physical infrastructure, facilitating the shift towards an operational expenditure model. Furthermore, they allow financial institutions to easily scale their AI applications according to demand. Additionally, cloud-based AI solutions provide access from anywhere with an internet connection, which enables a more flexible working environment for employees and allows for real-time global collaboration. Apart from this, they allow rapid implementation and iteration, enabling financial institutions to stay ahead in a fast-moving industry. Moreover, cloud providers have robust security measures and can assist with compliance requirements. In addition, cloud-based AI solutions offer smoother integration with existing systems and other cloud services, which enables financial organizations to create a cohesive technology ecosystem without significant customization or compatibility challenges.
The report has provided a detailed breakup and analysis of the market based on the application. This includes virtual assistant (chatbots), credit scoring, quantitative and asset management, fraud detection, and others.
Virtual assistants powered by AI can meet various customer expectations by providing constant customer service, handling inquiries, and resolving issues in real time. In addition, they can significantly reduce the labor costs associated with customer support by handling a high volume of queries simultaneously, thus freeing human resources to focus on more complex tasks. Furthermore, virtual assistants can provide personalized responses based on user profiles and past interactions. This level of personalization fosters a more engaging and satisfying customer experience.
AI plays a crucial role in the credit scoring process as it can analyze vast amounts of data, including historical credit information, transaction history, and social media behavior, allowing for a more comprehensive and accurate assessment of an individual's or business's creditworthiness. Furthermore, AI-driven credit scoring provides results in a matter of seconds, thus enabling faster loan approvals and enhancing customer satisfaction. Besides this, it can be tailored to suit the specific requirements and risk appetites of individual financial institutions.
North America exhibits a clear dominance in the market, accounting for the largest AI in fintech market share
The report has also provided a comprehensive analysis of all the major regional markets, which includes North America (the United States and Canada); Asia Pacific (China, Japan, India, South Korea, Australia, Indonesia, and others); Europe (Germany, France, the United Kingdom, Italy, Spain, and others); Latin America (Brazil, Mexico, and others); and the Middle East and Africa. According to the report, North America represented the largest market segment.
North America hosts numerous technological innovation centers that foster a culture of innovation and entrepreneurship, leading to the development of cutting-edge AI technologies. In addition, the region has witnessed significant investment in research and development (R&D) initiatives from both private and public sectors to drive technological advancements and the commercialization of AI within fintech. Apart from this, North America's well-established financial industry, which provides a fertile ground for integrating AI, is positively influencing the market growth. Besides this, the imposition of supportive policies and regulations by regional governments, encouraging the responsible use of AI, is boosting the market growth. Moreover, the easy availability of skilled professionals with expertise in AI, ML, and data science is further bolstering the market growth.
Top firms are exploring new algorithms, methodologies, and technologies that can drive efficiency, security, and personalization in financial services. They are engaging in strategic partnerships with fintech startups and tech companies to develop cutting-edge solutions and foster innovation. Furthermore, several key players are implementing predictive analytics and machine learning (ML) models to provide insights into customer behavior, market trends, and risk management. In addition, top market companies are creating personalized services and products tailored to individual needs and preferences, including personalized banking, investment advice, and customized marketing strategies. Apart from this, leading firms are actively working to develop transparent and unbiased AI models, emphasizing ethical AI practices. Moreover, they are leveraging AI to provide financial services to underserved populations, using algorithms to assess creditworthiness differently or provide financial literacy through AI-driven tools.