市场调查报告书
商品编码
1471013
机器人顾问市场:经营模式、提供者、服务类型和最终用户划分 - 2024-2030 年全球预测Robo Advisor Market by Business Model (Hybrid Robo Advisors, Pure Robo Advisors), Provider (Banks, Fintech Robo Advisors, Traditional Wealth Managers), Service Type, End-User - Global Forecast 2024-2030 |
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预计2023年机器人顾问市场规模为63.6亿美元,预计2024年将达80.1亿美元,2030年将达到333.8亿美元,复合年增长率为26.71%。
机器人顾问是提供自动化财务规划和投资管理服务的数位平台。机器人顾问以比传统人类财务顾问低得多的成本为用户提供个人化的投资建议、投资组合推荐和财富管理解决方案。金融业的扩张以及线上交易作为世界各地个人收入来源的日益普及正在加速机器人顾问的使用。此外,金融服务日益数位化增加了对高效财富管理解决方案的需求,进一步推动了对机器人顾问的需求。然而,有限的客製化选项和缺乏弹性可能会阻止客户采用机器人顾问服务。提高机器人顾问性能和用户体验的持续进步预计将推动世界各地最终用户采用机器人顾问。
主要市场统计 | |
---|---|
基准年[2023] | 63.6亿美元 |
预测年份 [2024] | 80.1亿美元 |
预测年份 [2030] | 333.8亿美元 |
复合年增长率(%) | 26.71% |
经营模式混合机器人顾问正在寻求复杂财务规划服务的投资者中扩大其潜力
混合机器人顾问将演算法主导的投资组合管理自动化与人类财务顾问的个人化支援相结合。这种模式使投资者能够获得针对其个人需求的更全面的服务,同时保持成本效率。纯粹的机器人顾问使用演算法和定量模型来执行投资组合管理,无需直接人工输入或互动。与混合模式相比,此类平台所需的最低投资金额较低,因此更容易为更广泛的投资者所接受。虽然混合机器人顾问提供了更高程度的个人化和人际关係,并且可以吸引寻求客製化建议和复杂财务规划服务的投资者,但纯机器人顾问更喜欢提供数位体验,并提高效能和建议品质。
提供者创新且具成本效益的投资服务提高了金融科技机器人顾问的受欢迎程度
银行越来越多地提供类似机器人顾问的服务,以满足精通技术的消费者并与独立金融科技公司竞争。许多银行正在利用其广泛的客户群和值得信赖的品牌来推广机器人顾问解决方案。银行通常提供机器人咨询和人工财务咨询的结合,吸引寻求混合服务模式的客户。金融科技机器人顾问通常是机器人顾问领域的先驱,为主要数位化的客户提供创新且具成本效益的投资服务。这些提供者的目标投资者是那些喜欢完全自动化的投资体验而无需与顾问进行个人、人际互动的投资者。金融科技注重使用者体验、低费用和可近性,旨在实现投资管理民主化,尤其受到千禧世代和首次投资者的欢迎。传统的财富管理公司,也称为现有资产管理公司,已经透过推出自己的机器人顾问服务来适应时代的变化。他们的目标是透过提供比传统财富管理服务更便宜、更容易获得的服务来扩大市场范围。传统财富管理机构提供机器人咨询解决方案作为补充服务,吸引对技术主导和传统投资咨询服务感兴趣的新客户和现有客户。
服务类型:越来越多地采用直接基于计划或基于目标的服务,根据设定的目标相应地重新调整资产配置
基于直接计划的服务专为喜欢直接投资的个人而设计。这种投资型态可以让您保持较低的费用比率,因此您可以期待长期的高回报。机器人顾问采用复杂的演算法和预测模型来分析市场趋势、历史资料和财务健康状况,以製定量身定制的投资计划。投资策略中特别考虑风险管理,以平衡利润预期和市场波动。您可以透过简单的仪表板轻鬆监控您的投资组合,始终提供完全的透明度。基于目标的服务是为旨在实现特定财务目标的投资者提供的。您可以为特定目标储蓄,例如住宅首付、子女教育或退休储蓄。
最终用户:个人投资者越来越多地采用机器人顾问来优化风险回报权衡。
富人越来越认识到机器人顾问是传统财富管理服务的补充服务。富人越来越多地利用混合模式自动化系统的效率与复杂财务状况下经常需要的个人化人类专业知识结合起来。超级富豪阶级正在采用机器人顾问的服务,该服务提供自动化投资、财务顾问、自动化再平衡和税收损失收穫。透过使用机器人顾问,个人投资者可以受益于低进入门槛、最低费用和客製化投资组合管理技术。个人投资者利用机器人顾问来优化投资者的风险回报权衡,并自动管理和重新平衡其投资组合。
区域洞察
科技的进步、对数位金融服务的需求增加以及千禧世代人口的成长正在推动美洲对机器人顾问的需求。随着网路普及飙升以及央行鼓励金融领域的数位创新,亚太地区机器人顾问平台正在迅速采用。在金融机构对金融科技和数位解决方案的投资以及促进透明度和投资者保护措施的强大监管框架的推动下,欧洲、中东和非洲地区智能投顾解决方案的采用正在稳步增长。此外,完全整合的机器人顾问的开发以及将人类专业知识与数位效率相结合的混合模式的引入预计将推动全球最终用户采用机器人顾问。
FPNV定位矩阵
FPNV 定位矩阵对于评估机器人顾问市场至关重要。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,可以对机器人顾问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。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,以获得市场竞争优势。
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.竞争评估与资讯: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、製造能力等进行全面评估。
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. 机器人顾问市场的市场规模与预测是多少?
2. 在智能投顾市场预测期间内,有哪些产品、细分市场、应用程式和领域值得考虑投资?
3.智能投顾市场的技术趋势和法规结构是什么?
4.智能投顾市场主要厂商的市场占有率是多少?
5.进入智能投顾市场合适的型态和策略手段是什么?
[181 Pages Report] The Robo Advisor Market size was estimated at USD 6.36 billion in 2023 and expected to reach USD 8.01 billion in 2024, at a CAGR 26.71% to reach USD 33.38 billion by 2030.
A robo advisor is a digital platform offering automated financial planning and investment management services. Robo advisors provide users with personalized investment advice, portfolio recommendations, and asset management solutions at a significantly lower cost compared to traditional human financial advisors. The expansion of financial sectors and the increasing popularity of online trading as a source of income among individuals worldwide are accelerating the use of robo-advisors. Additionally, growing digitization in financial services has increased the need for efficient wealth management solutions, further propelling the demand for robo advisors. However, limited customization options and lack of flexibility can refrain customers from adopting robo advisor services. The ongoing advancements in robo advisors to improve their performance and user experience are expected to encourage their adoption by end users worldwide.
KEY MARKET STATISTICS | |
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Base Year [2023] | USD 6.36 billion |
Estimated Year [2024] | USD 8.01 billion |
Forecast Year [2030] | USD 33.38 billion |
CAGR (%) | 26.71% |
Business Model: Growing potentail of hybrid robo advisors among investors seeking complex financial planning services
Hybrid robo advisors combine the automation of algorithm-driven portfolio management with personalized support from human financial advisors. This model provides investors with a more comprehensive service that caters to their individual needs while maintaining cost efficiency. Pure robo advisors use algorithms and quantitative models for portfolio management without direct human input or interaction. These platforms require a smaller minimum investment compared to hybrid models, making them accessible to a broader range of investors. Hybrid robo advisors offer an enhanced level of personalization and human connection that may appeal to investors seeking tailored advice or complex financial planning services, while pure robo advisors are preferred to achieve a digital experience with enhanced performance and quality of advice.
Provider: Growing popularity of fintech robo advisors due to innovative and cost-effective investment services
Banks have increasingly integrated robo advisory services into their offerings to cater to tech-savvy consumers and to compete with standalone fintech companies. Many are now leveraging their extensive customer base and trusted brand name to promote their robo advisor solutions. Banks typically offer a combination of robo advisory and human financial advice, which can be appealing to customers looking for a hybrid service model. Fintech Robo Advisors are often pioneers in the robo advisory space, offering innovative and cost-effective investment services to a primarily digitally-minded clientele. These providers target investors who are comfortable with a fully automated investment experience without the need for personal, human advisor interaction. With a focus on user experience, low fees, and accessibility, fintech robo advisors aim to democratize investment management and are particularly popular among millennials and first-time investors. Traditional Wealth Managers, also known as incumbent asset management firms, have adapted to the changing times by introducing their own robo advisor services. Their goal is to extend their market reach by offering more accessible services at a lower price point compared to their conventional wealth management services. Traditional Wealth Managers provide robo advisory solutions as a complementary service, appealing to both new and existing clients interested in a mix of tech-driven and traditional investment advisory services.
Service Type: Growing adoption of direct plan-based or goal-based that readjusts the asset allocation accordingly to align with the set goal
The direct plan-based service is designed specifically for individuals who prefer to invest directly. This form of investment allows for a lower expense ratio, resulting in higher returns in the long run. Robo-advisor employs advanced algorithms and predictive models to analyze market trends, historical data, and financial conditions to create bespoke investment plans. Special attention to risk management is integrated into the investment strategy to balance profit expectations with market volatility. The investment portfolio can be monitored easily through a simple dashboard, providing complete transparency at all times. The goal-based service is meant for investors aiming towards certain financial objectives. It could be saving for a down payment on a house, a child's education, retirement, or any specific goal that in mind.
End-User: Emerging adoption of robo advisor among retail investors to optimize risk-return tradeoff
The high net worth individuals are increasingly recognizing robo advisors as a complementary service that operates alongside traditional wealth management services. High-worth individuals are inclined to use these hybrid models as it combines the efficiency of automated systems with the personalized human expertise often required in complex financial situations. The ultra high net worth individuals adopt robo advisor's services as it gives them access to automated investing and financial advisors, automatic rebalancing, and tax loss harvesting. Retail investors benefit from robo advisors through low entry barriers, minimal fees, and a tailored portfolio management approach. Retail investors adopt robo advisors, which optimize investors' risk-return tradeoff and automatically manage and rebalance their portfolios.
Regional Insights
Evolving technology, increasing demand for digital financial services, and growing millennial population have contributed to the elevated demand for robo advisors in the Americas. The APAC is witnessing rapid adoption of robo advisory platforms due to the surging internet penetration rate and central banks encouraging digital innovation in finance. Steady growth in the adoption of robo advisory solutions due to the robust regulatory frameworks that promote transparency and investor protection measures alongside investment in fintech and digital solutions by financial institutions are expanding the usage of robo advisors in the EMEA region. Furthermore, the development of fully integrated robo advisors and the introduction of hybrid models combining human expertise with digital efficiency is anticipated to encourage the adoption of robo advisors by end-users across the globe.
FPNV Positioning Matrix
The FPNV Positioning Matrix is pivotal in evaluating the Robo Advisor 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 Robo Advisor 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 Robo Advisor Market, highlighting leading vendors and their innovative profiles. These include Acorns Grow Incorporated, Ally Financial Inc., Axos Financial, Inc., Capital One, Charles Schwab Corporation, Covestor Ltd., E*TRADE by Morgan Stanley, Fincite GmbH, FMR LLC, Ginmon Vermogensverwaltung GmbH, M1 Holdings Inc., Merrill Guided Investing by Bank of America Corporation, MFM Investment Ltd., Mphasis, Profile Software S.A., Qraft Technologies Inc., QuietGrowth Pty. Ltd., Scalable Capital GmbH, SigFig Wealth Management, LLC, Social Finance, Inc., The Vanguard Group Inc., Wealthfront Inc., Wells Fargo Clearing Services, LLC, and Zacks Advantage.
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 Robo Advisor Market?
2. Which products, segments, applications, and areas should one consider investing in over the forecast period in the Robo Advisor Market?
3. What are the technology trends and regulatory frameworks in the Robo Advisor Market?
4. What is the market share of the leading vendors in the Robo Advisor Market?
5. Which modes and strategic moves are suitable for entering the Robo Advisor Market?