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市场调查报告书
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机器人咨询服务：市场占有率分析、产业趋势与统计、成长预测（2024-2029）

Robo-advisory Services - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2024 - 2029)
出版日期: | 出版商: Mordor Intelligence | 英文 120 Pages | 商品交期: 2-3个工作天内

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简介目录

机器人咨询服务市场规模预计到 2024 年为 115.2 亿美元，预计到 2029 年将达到 457.5 亿美元，在预测期内（2024-2029 年）增长 31.78%，复合年增长率增长。

机器人咨询服务-市场

BFSI 行业的快速数位化正在加速数位投资的成长，其中机器人顾问发挥关键作用。机器人咨询服务主要有利于那些不喜欢亲自监控投资组合发展的被动投资者。

主要亮点

  • 最终用户行业流程和业务的快速自动化是采用机器人咨询服务的主要驱动力。这些服务消除了人力，因为线上平台以一小部分成本提供相同的服务。只要用户连接到互联网，该服务也可以 24/7 提供。
  • 一些新兴国家正在促使该地区的公司加强对机器人咨询服务的测试和研究。这些倡议预计将进一步成为市场成长的催化剂。例如，沙乌地阿拉伯资本市场管理局（CMA）已核准Wahed Capital 和 Haseed Investment Company 测试机器人咨询服务。这是该国鼓励在阿拉伯经济中使用金融科技策略的一部分。
  • 在冠状病毒爆发、封锁和市场不确定性的背景下，我们看到全球 B2B 机器人顾问、数位投资、财务建议和投资组合管理激增。从传统投资服务向机器人顾问投资服务的快速转变也是推动市场成长的因素。此外，投资平台提供机器人顾问作为传统投资服务的新数位财务顾问替代品，从而有可能扩大机器人顾问的范围。
  • 机器人咨询广泛应用于零售银行业务、财富管理等行业，用于分析资料并执行演算法计算，以发送推动市场前进的综合讯息。此外，机器人顾问还提供实际的好处，例如损失弥补、低成本投资组合、更好的决策、安全可靠的投资，并有助于消除信用风险。预计这些因素将在预测期内推动产业成长。
  • 然而，机器人顾问提供的弹性有限，预计将限制预测期内的市场成长。此外，缺乏面对面会议预计会对投资者和顾问之间的协商造成障碍，从而阻碍市场成长。然而，对低成本投资顾问的需求预计将为市场成长带来机会。此外，进阶分析和巨量资料的使用增加可以显着扩大机器人顾问的范围。

机器人咨询服务市场趋势

投资顾问预计将受到最多关注

  • 机器人咨询服务主要包括为个人提供个人理财相关的投资咨询服务。机器人顾问正在迅速填补人类投资顾问留下的空白，包括能力、容量和成本，这主要是由于整个投资行业越来越多地采用数位化，再加上机器人技术中人工智慧的采用。
  • 由于金融领域投资咨询中越来越多地采用技术分析，预计对机器人顾问的需求将会增加。推动产业成长的另一个因素是从传统投资服务向机器人咨询投资服务的快速转变。此外，机器人顾问现在可以在投资平台而不是传统的投资服务上使用，这使得机器人顾问变得更普及。
  • 该市场是由机器人咨询广泛使用演算法计算来评估资料并在零售银行业务、财富管理等多个行业提供完整资讯所推动的。预计这些变数将在预测期内推动该行业的扩张。推动市场成长的关键因素之一是人工智慧（AI）和机器学习（ML）等新技术的出现。
  • 世界各地的金融科技公司既依赖技术，也依赖个人建议。他们正在快速打造机器人投顾服务，透过采用AI、ML等技术，为散户投资者提供准确、透明的投顾服务，防止他们做出不准确的投资决策，进一步预防。
  • 机器人顾问的关键发展之一是在投资平台中越来越多地使用人工智慧和机器学习。例如，马来西亚金融服务公司 Kenanga IB (KDI) 于 2022 年 2 月宣布推出 Kenanga Digital Investing。市场上最新的自动化人工智慧 (AI) 机器人顾问旨在让财务决策变得更容易，为这个数位投资平台提供动力。

预计北美将主导市场

  • 投资管理机器人咨询代表了以前专属财富管理服务的突破，因为与传统的人工协助相比，它可以让更多的人以更低的成本获得服务。机器人顾问透过收集有关客户当前财务状况的资讯来估计客户的风险接受度。当机器人顾问决定如何分配客户的资产时，它会考虑客户的风险偏好和预期目标回报。
  • 北美地区预计将主导市场，因为 Betterment LLC、Charles Schwab &Co. Inc.、Wealthfront Inc. 和 Vanguard Group 等多家市场参与者都在该地区开展业务。该地区在技术进步和机器人产业方面也领先其他地区。市场上不同的公司正在创新和开发自己的产品，以利用先发优势并最大限度地提高市场吸引力。
  • 一些金融机构正处于创新和开发先进平台的发展阶段，为客户提供机器人咨询服务。例如，先锋集团计划推出机器人咨询服务，该公司声称该服务将消除对人工建议的需求。
  • 例如，2022 年 5 月，Ally Financial 推出了新的财富管理服务，并聘请了人类顾问团队来补充其现有的机器人咨询服务。新增后，该公司现在将透过其服务向客户提供一对一的财富建议。
  • 此外，北美对区块链技术的投资正在增加。近年来，多个区块链开发计划在美国启动，加速了市场成长。此外，该地区也是许多科技型中小企业的所在地。
  • 此外，公共关键服务和 BaaS 解决方案的整合也取得了重大进展，预计将在未来几年为机器人咨询创造新的成长前景。 BaaS 是一种云端基础的架构，可协助企业开发和营运区块链应用程式。

机器人咨询服务业概况

Betterment LLC、Wealthfront Inc. 和 The Vanguard Group 等主要企业占据了大部分市场占有率，从而增强了机器人咨询服务市场的竞争形势。这些市场公司正在进行产品创新，以占领全球最大的市场占有率。一些国家的政府也鼓励小供应商以创新产品进入市场或结成策略联盟。

2022 年 11 月，摩根大通推出了混合机器人顾问计划，为投资者提供持续访问数位投资平台和人力财务顾问的机会，从而缩小了其财富管理服务套件的差距。儘管摩根大通个人顾问向所有投资者开放，但该公司主要服务于对财富管理服务感兴趣但不想与摩根大通分店顾问接触的银行和信用卡客户，预计摩根大通会提供这种服务。

2022 年 3 月，欧洲最大、成长最快的零售投资者线上仲介flatexDEGIRO AG 与领先的独立机器人顾问之一数位财富管理师Whitebox 签署了一份谅解备忘录，扩大了其长期的 B2B 合作伙伴关係。 。个人投资者。 flatexDEGIRO 和 Whitebox 将共同为希望在德国开始使用 flatex 的 flatexDEGIRO 客户提供完整的数位投资解决方案。

其他福利

  • Excel 格式的市场预测 (ME) 表
  • 3 个月分析师支持

目录

第一章 简介

  • 研究假设和市场定义
  • 调查范围

第二章调查方法

第三章执行摘要

第四章市场动态

  • 市场概况
  • 市场驱动因素
    • BFSI 产业数位化
    • 提高个人财务管理的成本效率
  • 市场限制因素
    • 缺乏人类专业知识和同理心
    • 科技的早期阶段
  • 产业吸引力－波特五力分析
    • 供应商的议价能力
    • 买方议价能力
    • 新进入者的威胁
    • 替代产品的威胁
    • 竞争公司之间的敌意强度
  • COVID-19感染疾病对市场的影响分析

第五章市场区隔

  • 按服务类型
    • 投资顾问
    • 财富管理
    • 退休后规划
    • 损失追收
  • 地区
    • 北美洲
    • 欧洲
    • 亚太地区
    • 世界其他地区

第六章 竞争形势

  • 公司简介
    • Betterment LLC
    • Wealthfront Corporation
    • The Vanguard Group Inc.
    • Charles Schwab &Co. Inc.
    • BlackRock Inc.（FutureAdvisor）
    • FMR LLC（Fidelity Go）
    • Roboadviso
    • M1 Holdings Inc.

第七章 投资分析

第八章市场机会及未来趋势

简介目录
Product Code: 70172

The Robo-advisory Services Market size is estimated at USD 11.52 billion in 2024, and is expected to reach USD 45.75 billion by 2029, growing at a CAGR of 31.78% during the forecast period (2024-2029).

Robo-advisory Services - Market

The rapid digitization of the BFSI industry has accelerated the growth of digital investments in which Robo-advisors play a major role. The Robo-advisory services are beneficial majorly for passive investors who do not prefer personal monitoring of their portfolio development.

Key Highlights

  • Rapid automation of processes and businesses across end-user industries is acting as a major catalyst for the adoption of Robo-advisory services. These services eliminate human labor, as the online platforms offer the same services at a fraction of the cost. Also, the services are available 24/7 as long as the user has an Internet connection.
  • Several emerging economies are stimulating the regional players to enhance their testing and research of Robo-advisory services. These initiatives are further expected to act as a catalyst for market growth. For instance, Saudi Arabia's Capital Market Authority (CMA) approved Wahed Capital and Haseed Investing Company to test its Robo-advisory services. This was done as part of the country's strategy to encourage the use of financial technology in the Arab economy.
  • Amidst the coronavirus outbreak, lockdown, and market uncertainty, a surge in B2B Robo-advisors, Digital investing, financial advice, and portfolio management is witnessed globally. A rapid shift from traditional investment services to robo-advisory investment services is another factor in market growth. In addition, investment platforms are now offering robo-advisors as new digital financial advisors over traditional investment services, enabling the scope of expansion for robo-advisors.
  • The widespread use of robo-advisory throughout industrial verticals such as retail banking, asset management, and others for conducting algorithmic calculations to analyze data and transmit comprehensive information driving the market forward. Moreover, robo advisors offer specific benefits such as tax-loss harvesting, low-cost portfolio, better decision-making, safe and secure investments, and help eliminate credit risks. Such factors are anticipated to drive industry growth over the forecast period.
  • However, the limited flexibility offered by robo advisors is anticipated to restrain the market's growth during the forecast period. In addition, the lack of face-to-face meetings leading to consultation barriers between investors and advisors is also expected to hinder market growth. However, the demand for low-cost investment advisory is anticipated to open up opportunities for market growth. Furthermore, the growing usage of advanced analytics and big data can potentially broaden the scope of robo-advisors significantly.

Robo Advisory Services Market Trends

Investment Advisory Expected to Gain Maximum Traction

  • Robo-advisory services majorly include investment advisory services related to the personal finance of individuals. Robo-advisors are rapidly filling the gaps created by human investment advisors, such as capability, capacity, and cost, majorly due to the increase in the adoption of digitization across the investment industry, coupled with the adoption of AI in robotics.
  • The demand for robo-advisers is anticipated to increase due to the financial sector's increased adoption of technology-enabled analytics for investment consultations. Another driver of industry growth is the quick transition from traditional investment services to robo-advising investment services. Furthermore, robo-advisors are now available on investment platforms instead of traditional investment services, allowing for the spread of robo-advisors.
  • The market is being driven ahead by the extensive usage of robo-advisory across several industrial verticals, including retail banking, asset management, and others, for algorithmic calculations to evaluate data and provide thorough information. Over the forecast period, these variables are anticipated to fuel industry expansion. One of the key factors propelling the market's growth is the emergence of new technologies like artificial intelligence (AI) and machine learning (ML).
  • FinTechs across the world rely upon both technology and personal advisory. They are rapidly creating robo-advisory services by adopting technologies such as AI and ML, offering accurate and transparent advisory services to retail investors, further preventing them from making inaccurate investment decisions.
  • One of the main robo-adviser developments is the expanding use of AI and ML in investment platforms. For instance, the launch of Kenanga Digital Investing was announced by the Malaysian financial services company Kenanga IB in February 2022. (KDI). The market's newest automated Artificial Intelligence (AI) robo-advisor, which seeks to make financial decisions easier, powers this digital investing platform.

North America Expected to Dominate the Market

  • Investment management robo-advice is regarded as a breakthrough in the formerly exclusive wealth management services since it makes the services accessible to a wider audience at a cheaper cost in comparison to conventional human assistance. Robo-advisors estimate the client's risk tolerance by gathering information about the client's current financial status. The client's risk choices and intended target return are taken into account when the robo-advisor decides how to distribute the client's assets.
  • The North American region is expected to dominate the market owing to the presence of several market players in the region, such as Betterment LLC, Charles Schwab & Co. Inc., Wealthfront Inc., and Vanguard Group, amongst others. Also, the region has led other regions in terms of technological advancement and the robotics industry. Various companies in the market have been making product innovations and developments to leverage the first-mover advantage and gain maximum market traction.
  • Several financial institutions are still in the development phase to innovate and develop highly advanced platforms offering robo-advisory services to their customers. For instance, the Vanguard Group plans to launch a Robo-advisory service, which the company claims is expected to eliminate human advisory.
  • For instance, in May 2022, Ally Financial launched a new wealth management offering, hiring a team of human advisors in an effort to complement its existing robo-advisor service. With this addition, the company would be providing its customers with one-on-one wealth advice through the service.
  • Moreover, increasing investment in blockchain technology in North America. Several blockchain development projects have been initiated in the United States in recent years, accelerating the market's growth. In addition, this region is home to a significant number of small and medium-sized technology-based firms.
  • In addition, great progress has been made in the integration of public vital services with BaaS solutions, which is anticipated to create new growth prospects for the robo advisory over the next few years. BaaS is a cloud-based architecture that assists enterprises in developing and operating blockchain applications.

Robo Advisory Services Industry Overview

The competitive landscape of the Robo-advisory Services Market is consolidated owing to the presence of major players like Betterment LLC, Wealthfront Inc., and The Vanguard Group, amongst others holding the majority of the market share. These market players are making product innovations to capture maximum market share globally. Also, several economies' governments are stimulating smaller vendors to enter the market with innovative products or by forming strategic collaborations.

In November 2022, JPMorgan Chase was filling in a gap in its suite of wealth management services with the launch of a hybrid robo-advisor program that would offer investors a digital investment platform and ongoing access to a human, financial advisor. J.P. Morgan Personal Advisors is open to all investors, but the company envisions it primarily serving banking or credit card customers who are interested in wealth management services but wouldn't be inclined to engage with J.P. Morgan's in-branch advisors.

In March 2022, flatexDEGIRO AG, Europe's largest and fastest-growing online broker for retail investors, signed a Memorandum of Understanding (MoU) to extend its long-standing B2B partnership with digital wealth manager Whitebox, one of the leading independent robo-advisors for retail investors. Together, flatexDEGIRO and Whitebox would offer a fully digital investment solution to flatexDEGIRO's customers, aimed to start at flatex, Germany.

Additional Benefits:

  • The market estimate (ME) sheet in Excel format
  • 3 months of analyst support

TABLE OF CONTENTS

1 INTRODUCTION

  • 1.1 Study Assumptions and Market Definition
  • 1.2 Scope of the Study

2 RESEARCH METHODOLOGY

3 EXECUTIVE SUMMARY

4 MARKET DYNAMICS

  • 4.1 Market Overview
  • 4.2 Market Drivers
    • 4.2.1 Digitization of the BFSI Industry
    • 4.2.2 Cost-efficiency in Managing Personal Finance
  • 4.3 Market Restraints
    • 4.3.1 Lack of Human Expertise and Empathy
    • 4.3.2 Nascency of the Technology
  • 4.4 Industry Attractiveness - Porter's Five Forces Analysis
    • 4.4.1 Bargaining Power of Suppliers
    • 4.4.2 Bargaining Power of Buyers/Consumers
    • 4.4.3 Threat of New Entrants
    • 4.4.4 Threat of Substitute Products
    • 4.4.5 Intensity of Competitive Rivalry
  • 4.5 Analysis of Impact of COVID-19 on the Market

5 MARKET SEGMENTATION

  • 5.1 By Type of Services
    • 5.1.1 Investment Advisors
    • 5.1.2 Wealth Management
    • 5.1.3 Retirement Planning
    • 5.1.4 Tax-loss Harvesting
  • 5.2 Geography
    • 5.2.1 North America
    • 5.2.2 Europe
    • 5.2.3 Asia-Pacific
    • 5.2.4 Rest of the World

6 COMPETITIVE LANDSCAPE

  • 6.1 Company Profiles
    • 6.1.1 Betterment LLC
    • 6.1.2 Wealthfront Corporation
    • 6.1.3 The Vanguard Group Inc.
    • 6.1.4 Charles Schwab & Co. Inc.
    • 6.1.5 BlackRock Inc. (FutureAdvisor)
    • 6.1.6 FMR LLC (Fidelity Go)
    • 6.1.7 Roboadviso
    • 6.1.8 M1 Holdings Inc.

7 INVESTMENT ANALYSIS

8 MARKET OPPORTUNITIES AND FUTURE TRENDS