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金融科技区块链市场:按提供者、组织规模、应用、产业划分 - 2024-2030 年全球预测FinTech Blockchain Market by Provider, Organization Size, Application, Vertical - Global Forecast 2024-2030 |
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预计2023年金融科技区块链市场规模为74.1亿美元,2024年达99.5亿美元,2030年预估达647.7亿美元,复合年增长率为36.30%。
金融科技中的区块链是一种分散式数位帐本,可安全地即时记录多台电脑上的交易,确保资料完整性、透明度和不变性。金融科技中的区块链技术可实现跨境付款、证券交易、数位身分认证等各种金融业务的高效处理和管理。这是透过简化流程、降低成本并透过消除银行和清算所等中介机构来提高安全性来实现的。此外,去中心化的性质允许透过智慧合约(作为在平台上编码的预定义规则的自动执行合约)来增强参与者之间的协作。比特币和以太坊等加密货币的流行和采用,以及金融科技产业对安全付款系统的需求,导致区块链解决方案的采用增加。然而,每个国家不确定的监管标准和框架以及安全问题正在限制市场成长。另一方面,增加对金融科技和区块链技术的投资以促进技术进步,以及人工智慧和机器学习在金融科技区块链中的集成,预计将在未来几年为市场创造良好的成长前景。
主要市场统计 | |
---|---|
基准年[2023] | 74.1亿美元 |
预测年份 [2024] | 99.5亿美元 |
预测年份 [2030] | 647.7亿美元 |
复合年增长率(%) | 36.30% |
提供者越来越多地使用基础设施和基础通讯协定提供者来建立可扩展且安全的区块链网络
应用程式和解决方案提供者为各种金融科技行业(包括银行、保险、汇款、财富管理和资本市场)开发专业应用程式和端到端解决方案。这些提供者利用区块链的核心功能,例如不变性、透明度和去中心化,来简化流程、降低成本并增加参与者之间的信任。其他应用程式和解决方案提供智慧合约以实现交易自动化、去中心化应用程式(DApp)以提高安全性和透明度,以及代币化平台以实现资产数位化。基础设施和基础通讯协定提供者为建立可扩展且安全的区块链网路奠定了基础,以支援整个金融科技产业的各种应用程式。这些基础设施和基础通讯协定提供者开发核心区块链通讯协定,例如以太坊、确保资料完整性的客自订化私有区块链、检验交易的共识机制以及确保网路通讯安全的加密技术。这些供应商解决了可扩展性、不同网路之间的互通性和隐私问题等关键挑战,同时提供了确保安全资料传输和储存的共识演算法和加密机制等功能。我们还提供工具,使开发人员能够使用预先建置的模板和软体开发套件(SDK) 轻鬆建立应用程式。中间件和服务供应商透过提供工具、库、API、Oracle和其他服务来弥合底层通讯协定和应用程式之间的差距,使开发人员可以轻鬆建立功能丰富的应用程序,从而进一步简化整合现有的过程。中介软体供应商促进各种金融科技区块链元素的无缝集成,服务供应商透过分析平台和咨询服务帮助企业优化其流程,从而帮助应对复杂的法规环境。服务提供者可以使用多重附加价值服务钱包来增强安全控制、用于监管合规性的身份验证解决方案(KYC/AML)、资料储存选项(例如去中心化文件系统)以及智慧合约中的链下安全性。
组织规模:寻求更快交易处理速度的大型企业越来越多地采用
区块链解决方案可以透过提供去中心化、透明且高度安全的数位帐本系统来提高许多金融科技应用的效率、降低成本和风险,从而使金融科技领域的大型和小型企业受益。对于大型企业来说,区块链透过智慧合约消除中介并实现流程自动化,从而实现更快的交易处理。分散式帐本技术 (DLT) 应用程式可让大型企业与合作伙伴和客户安全地共用资料,同时维护隐私。采用区块链技术可以让中小企业(SME)在市场竞争中获得优势。中小型企业可以利用区块链提供的增强安全性来实现「了解您的客户」(KYC) 合规流程,简化客户入职流程,同时降低诈欺风险。此外,由区块链技术支援的跨境付款解决方案透过降低交易费用和即时付款为中小企业提供全球影响力。
扩大区块链技术在应用付款、清算和付款应用的使用
在 KYC 流程中采用区块链正在提高金融机构和组织的效率。区块链解决方案可让您将客户资料储存在安全的数位身分中,从而无需纸本文件和手动资料输入。这使您能够简化入职流程并减少与传统 KYC 流程相关的时间和成本。区块链的分散式帐本系统透过简化 KYC 程序并实现机构之间的安全资料共用来加强合规控制。这减少了重复,并最大限度地降低了与手动资料审核相关的营运风险和成本。将区块链纳入跨境付款系统可以更轻鬆地减少交易时间、提高透明度并确保可追溯性。由区块链驱动的跨境付款可以实现无限银行帐本之间的安全转账,绕过充当从一家银行到另一家银行转账中介的银行仲介业者。交易所和汇款服务也透过引入P2P交易平台从区块链技术中受益,这些平台可以实现安全且低成本的跨境交易。基于区块链的交易和汇款服务使用分散式帐本技术,允许个人和组织直接发送和接收资金,无需中介。基于区块链的身分管理系统具有无与伦比的优势,例如透明度、可追溯性和防篡改记录。这些系统支援自我主权身份,使用者可以在没有中介的情况下创建、管理和共用数位身分。智能合约是金融科技的另一个重要方面,区块链在其中发挥关键作用。这些自动执行的合约包含相关人员商定的预定义规则,当满足某些条件时自动执行交易。区块链平台上的智慧合约确保信任,降低诈骗风险,消除对中介机构以及银行、律师事务所等传统中介机构的需求。
按行业划分:银行业广泛应用区块链技术实现流程自动化
银行正在利用区块链技术来改善跨境付款、贸易融资业务智慧合约、企业联合贷款管理和了解你的客户 (KYC) 流程等服务。区块链提供了一种分散式帐本,可以实现更快、更透明的交易处理,同时减少诈欺和营运成本。透过采用智慧合约,银行可以自动化贷款支付和身分验证流程。在保险领域,区块链技术透过简化文件和投保人身份验证来简化索赔支付。透过P2P平台促进保险公司之间风险资料共用的透明度。
此外,区块链的不可变帐本系统带来的改进的诈欺检测功能可以帮助保险公司大幅降低营运成本。非银行金融服务(NBFC)也将受益于采用区块链技术。资产管理者可以使用它来即时追踪投资并安全地转移所有权。P2P借贷平台和群众集资网站可以受益于区块链的去中心化性质,消除中介机构。它提高了资金转移的透明度,同时提供了不可变的交易记录。此外,区块链的代币化方面允许 NBFS 提供者透过资产支持代币和 ICO(首次代币发行)获得替代资金来源。
区域洞察
在美洲,随着金融中心的建立和加密货币使用的增加,金融科技区块链技术的使用正在增加。美国、加拿大、巴西和墨西哥的金融科技公司致力于采用区块链技术,以消除金融业务中对第三方中介机构的需求。美国、墨西哥、加拿大、巴西和阿根廷政府正在支持金融机构负责任的数位化以及金融流程中的区块链集成,以扩大获得安全金融服务的机会。由于数位交易的激增、政府对区块链技术的倡议和投资以及金融科技区块链技术的进步,亚太地区金融科技区块链技术的使用显着增加。新加坡和香港等国家透过数位转型倡议确立了全球金融中心的地位。传统金融机构正在与新兴科技公司合作,利用他们在全部区域区块链实施方面的专业知识来简化跨境付款交易等流程。由于监管支持的增加、银行和区块链新兴企业之间的合作以及对增强金融服务的需求不断增长,欧洲、中东和非洲地区金融科技区块链技术的采用正在显着增长。欧盟 (EU) 实施了修订后的付款服务指令 (PSD2),该指令透过应用程式介面 (API) 向第三方开放银行资料,从而促进金融服务创新。
FPNV定位矩阵
FPNV定位矩阵对于评估金融科技区块链市场至关重要。我们检视与业务策略和产品满意度相关的关键指标,以对供应商进行全面评估。这种深入的分析使用户能够根据自己的要求做出明智的决策。根据评估,供应商被分为四个成功程度不同的像限:前沿(F)、探路者(P)、利基(N)和重要(V)。
市场占有率分析
市场占有率分析是一种综合工具,可以对金融科技区块链市场中供应商的现状进行深入而详细的研究。全面比较和分析供应商在整体收益、基本客群和其他关键指标方面的贡献,以便更好地了解公司的绩效及其在争夺市场占有率时面临的挑战。此外,该分析还提供了对该行业竞争特征的宝贵见解,包括在研究基准年观察到的累积、分散主导地位和合併特征等因素。这种详细程度的提高使供应商能够做出更明智的决策并制定有效的策略,从而在市场上获得竞争优势。
1. 市场渗透率:提供有关主要企业所服务的市场的全面资讯。
2. 市场开拓:我们深入研究利润丰厚的新兴市场,并分析其在成熟细分市场的渗透率。
3. 市场多元化:提供有关新产品发布、开拓地区、最新发展和投资的详细资讯。
4. 竞争评估和情报:对主要企业的市场占有率、策略、产品、认证、监管状况、专利状况和製造能力进行全面评估。
5. 产品开发与创新:提供对未来技术、研发活动和突破性产品开发的见解。
1.金融科技区块链市场的市场规模与预测是多少?
2.金融科技区块链市场预测期内需要考虑投资的产品、细分市场、应用程式和领域有哪些?
3.金融科技区块链市场的技术趋势和法规结构是什么?
4.金融科技区块链市场主要厂商的市场占有率是多少?
5.进入金融科技区块链市场的合适型态和策略手段是什么?
[194 Pages Report] The FinTech Blockchain Market size was estimated at USD 7.41 billion in 2023 and expected to reach USD 9.95 billion in 2024, at a CAGR 36.30% to reach USD 64.77 billion by 2030.
Blockchain in FinTech is a decentralized and distributed digital ledger that securely records transactions across multiple computers in real-time, ensuring data integrity, transparency, and immutability. Blockchain technology in FinTech enables efficient processing and management of various financial operations such as cross-border payments, securities trading, and digital identity verification. It achieves this by eliminating intermediaries such as banks and clearinghouses, thereby streamlining processes, reducing costs, and enhancing security. Moreover, its decentralized nature allows for enhanced collaboration among participants through smart contracts as self-executing agreements with predefined rules encoded on the platform. The popularity and adoption of cryptocurrencies such as Bitcoin and Ethereum, along with the need for secure payment systems in the FinTech industry, has increased the adoption of blockchain solutions. However, uncertain regulatory standards and frameworks in various countries, along with security concerns, are restricting market growth. On the other hand, growing investments in FinTech and blockchain technology for technological advancement & integration of AI and ML in FinTech blockchain are expected to create lucrative growth prospects for the market in the upcoming years.
KEY MARKET STATISTICS | |
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Base Year [2023] | USD 7.41 billion |
Estimated Year [2024] | USD 9.95 billion |
Forecast Year [2030] | USD 64.77 billion |
CAGR (%) | 36.30% |
Provider: Expanding utilization by infrastructure & base protocol providers for building scalable and secure blockchain networks
Application & solution providers develop specialized applications and end-to-end solutions catering to various FinTech industries such as banking, insurance, remittance, asset management, and capital markets. These providers utilize core blockchain features, including immutability, transparency, and decentralization, to streamline processes, reduce costs, and increase participant trust. Further applications & solutions provide smart contracts to automate transactions, decentralized applications (DApps) for improved security and transparency, and tokenized platforms for digitizing assets. Infrastructure & base protocol providers set the foundation for building scalable and secure blockchain networks that power diverse applications across FinTech industries. These infrastructure & base protocol providers develop core blockchain protocols such as Ethereum or custom private blockchains that ensure data integrity, consensus mechanisms for validating transactions, and cryptographic techniques for securing network communications. These providers address key challenges such as scalability, interoperability between different networks, and privacy concerns while offering features such as consensus algorithms and encryption mechanisms that ensure secure data transmission and storage. It also provides tools that enable developers to easily create applications using pre-built templates or software development kits (SDKs). Middleware & service providers bridge the gap between base protocols and applications by offering tools, libraries, APIs, oracles, and other services that enable developers to build feature-rich applications with ease and further simplify the process of integrating existing systems with blockchain infrastructure while maintaining high standards of security and performance. Middleware providers facilitate seamless integration of various FinTech blockchain elements, while service providers help businesses optimize their processes through analytics platforms or consulting services that aid in navigating complex regulatory environments. Service providers offer value-added services like multi-signature wallets for enhanced security management, identity verification solutions for regulatory compliance (KYC/AML), data storage options such as decentralized file systems, and oracles for accessing off-chain data sources within smart contracts.
Organization Size: growing adoption by large enterprises for faster transaction processing
Blockchain solutions are beneficial for both large enterprises and small & medium-sized enterprises (SMEs) in the FinTech sector by providing a decentralized, transparent, and secure digital ledger system, resulting in improved efficiency, reduced costs, and mitigated risks in numerous FinTech applications. For large enterprises, blockchain enables faster transaction processing by eliminating intermediaries and automating processes through smart contracts. With Distributed Ledger Technology (DLT) applications, large organizations can securely share data with their partners and clients while maintaining privacy. The adoption of blockchain technology has positioned small & medium enterprises (SMEs) competitively within the market. SMEs leverage the enhanced security provided by blockchain for Know Your Customer (KYC) compliance processes, allowing them to streamline customer onboarding while reducing fraud risks. Furthermore, cross-border payment solutions powered by blockchain technology offer small & medium businesses global reach with reduced transaction fees and real-time settlements.
Application: Growing use of blockchain technology for payment, clearing & settlement application
The adoption of blockchain for KYC processes has increased efficiency in financial institutions & organizations. Customer data can be stored in a secure digital identity with blockchain solutions, eliminating the need for paper-based documents and manual data entry. This can streamline the onboarding process, reducing the time and cost associated with traditional KYC processes. Blockchain's distributed ledger system enhances compliance management by streamlining KYC procedures and enabling secure data sharing between institutions. This reduces duplication and minimizes operational risks and costs associated with manual data verification. Incorporating blockchain in a cross-border payment system facilitates a reduction in transaction times, enhanced transparency, and traceability. Blockchain-based cross-border payments can enable secure transfers between an infinite number of bank ledgers, bypassing banking intermediaries that serve as middlemen to help transfer money from one bank to another. Exchanges and remittance services also benefit from blockchain technology by introducing peer-to-peer trading platforms that allow for secure, low-cost transactions across borders. Blockchain-based exchanges & remittance services use distributed ledger technology to enable individuals and organizations to send and receive money directly without intermediaries. Blockchain-based identity management systems offer unparalleled benefits such as transparency, traceability, and tamper-proof records. These systems enable self-sovereign identities where users can create, manage, and share their digital identities without intermediaries. Smart contracts are another vital aspect of FinTech, where blockchain plays a significant role. These self-executing agreements contain predefined rules agreed upon by involved parties and automatically execute transactions once certain conditions are met. Smart contracts on blockchain platforms ensure trustworthiness, reduce fraud risks, and eliminate the need for middlemen or traditional intermediaries such as banks or legal firms.
Vertical: Wider application of blockchain technology by banking sector for automate their processes
Banks leverage blockchain technology to improve services like cross-border payments, smart contracts for trade finance operations, syndicated loan management, and Know Your Customer (KYC) processes. Blockchain provides a decentralized ledger that enables faster and more transparent processing of transactions while reducing fraud and operational costs. Banks can automate loan disbursal and identity verification processes by employing smart contracts. Blockchain technology simplifies claim settlements by streamlining the authentication of documents and policyholders' identities for the insurance sector. It promotes transparency in risk data sharing among insurers through peer-to-peer platforms.
Furthermore, with improved fraud detection capabilities enabled by blockchain's immutable ledger system, insurers can significantly lower operational costs. Non-banking financial services (NBFCs) also benefit from incorporating blockchain technology. Asset management firms can leverage it for real-time tracking of investments and secure transfer of ownership titles. Peer-to-peer lending platforms and crowdfunding portals can benefit from blockchain's decentralized nature that eliminates intermediaries. It enhances transparency during fund transfers while offering a tamper-proof record of transactions. Moreover, the tokenization aspect of blockchain allows NBFS providers to access alternative funding sources through asset-backed tokens or initial coin offerings (ICOs).
Regional Insights
In the Americas, well-established financial hubs and the increasing use of cryptocurrency raised the utilization of FinTech blockchain technology. FinTech companies in the United States, Canada, Brazil, and Mexico focus on employing blockchain technology to eliminate the need for third-party intermediaries in financial operations. The United States, Mexico, Canada, Brazil, and Argentina governments support responsible digitalization of financial institutes and blockchain integration in financial processes to expand access to safe financial services. In Asia-Pacific, rapidly rising digital transactions, government initiatives and investment in blockchain technology, and advancement in FinTech blockchain technology significantly increased the utilization of FinTech blockchain technology. Countries, including Singapore and Hong Kong, have established global financial centers by embracing digital transformation initiatives. Traditional finance institutions are partnering with emerging tech firms to leverage their expertise in blockchain implementation for streamlining processes such as cross-border payment transactions across the region. The adoption of FinTech blockchain technology in the EMEA region has experienced significant growth, owing to the increasing regulatory support, collaboration between banks and blockchain startups, and rising demand for enhanced financial services. The European Union (EU) implemented the revised Payment Services Directive (PSD2), which encourages innovation in financial services by opening up banking data to third parties through application programming interfaces (APIs).
FPNV Positioning Matrix
The FPNV Positioning Matrix is pivotal in evaluating the FinTech Blockchain Market. It offers a comprehensive assessment of vendors, examining key metrics related to Business Strategy and Product Satisfaction. This in-depth analysis empowers users to make well-informed decisions aligned with their requirements. Based on the evaluation, the vendors are then categorized into four distinct quadrants representing varying levels of success: Forefront (F), Pathfinder (P), Niche (N), or Vital (V).
Market Share Analysis
The Market Share Analysis is a comprehensive tool that provides an insightful and in-depth examination of the current state of vendors in the FinTech Blockchain Market. By meticulously comparing and analyzing vendor contributions in terms of overall revenue, customer base, and other key metrics, we can offer companies a greater understanding of their performance and the challenges they face when competing for market share. Additionally, this analysis provides valuable insights into the competitive nature of the sector, including factors such as accumulation, fragmentation dominance, and amalgamation traits observed over the base year period studied. With this expanded level of detail, vendors can make more informed decisions and devise effective strategies to gain a competitive edge in the market.
Key Company Profiles
The report delves into recent significant developments in the FinTech Blockchain Market, highlighting leading vendors and their innovative profiles. These include Accenture PLC, AlphaPoint, Amazon Web Services, Inc., Anchorage Digital, Applied Blockchain Ltd., Auxesis Group, Bitfury Group Limited, BitGo Holdings, Inc., BitPay, Inc., Blockchain.com, Inc., Chain Global Ltd., Chainalysis Inc., Circle Internet Financial, LLC, Coinbase Global, Inc., Consensys Software Inc., Digital Asset Holdings, LLC, Factom, Gemini Trust Company, LLC, GuardTime OU,, International Business Machines Corporation, JPMorgan Chase & Co., Kraken by Payward, Inc., Microsoft Corporation, Morgan Stanley, Oracle Corporation, R3 HoldCo LLC, Ripple Labs Inc., Stellar Development Foundation, Tata Consultancy Services, and Wipro.
Market Segmentation & Coverage
1. Market Penetration: It presents comprehensive information on the market provided by key players.
2. Market Development: It delves deep into lucrative emerging markets and analyzes the penetration across mature market segments.
3. Market Diversification: It provides detailed information on new product launches, untapped geographic regions, recent developments, and investments.
4. Competitive Assessment & Intelligence: It conducts an exhaustive assessment of market shares, strategies, products, certifications, regulatory approvals, patent landscape, and manufacturing capabilities of the leading players.
5. Product Development & Innovation: It offers intelligent insights on future technologies, R&D activities, and breakthrough product developments.
1. What is the market size and forecast of the FinTech Blockchain Market?
2. Which products, segments, applications, and areas should one consider investing in over the forecast period in the FinTech Blockchain Market?
3. What are the technology trends and regulatory frameworks in the FinTech Blockchain Market?
4. What is the market share of the leading vendors in the FinTech Blockchain Market?
5. Which modes and strategic moves are suitable for entering the FinTech Blockchain Market?