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市场调查报告书

商品编码

1435905

数位借贷 - 市场占有率分析、产业趋势与统计、成长预测（2024 - 2029）

Digital Lending - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2024 - 2029)

出版日期: 2024年02月15日 | 出版商:

Mordor Intelligence | 英文 120 Pages | 商品交期: 2-3个工作天内

价格

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简介目录

预计到 2024 年，数位借贷市场规模将达到 4,533.2 亿美元，预计到 2029 年将达到 7,953.4 亿美元，在预测期内（2024-2029 年）CAGR为 11.90%。

主要亮点

由于 Covid-19 大流行，全球中小企业在危机期间面临筹集资金以维持业务运营的挑战。
数位贷款预计将在大流行期间找到一些成长和采用的机会，特别是在中小企业中。根据安永今年的全球银行业展望，63%的中小企业仍然更喜欢传统银行来满足其财务需求，而由于金融科技贷款机构的增加，56%的中小企业使用银行和支付金融科技服务。
由于 BFSI 行业数位化的快速采用，多年来贷款格局发生了巨大变化。传统的贷款形式在世界许多地方仍然盛行。然而，数位解决方案提供者提供的好处越来越多地为跨企业采用数位借贷解决方案和服务铺平了道路。
推动市场成长的另一个主要因素是由于数位化银行和金融服务的许多好处而改变的消费者期望和行为。客户可能来自不同的背景，可能需要贷款用于各种目的，从个人贷款到中小企业融资和房屋贷款等。 Razorpay 委託 IDC 进行的一项调查显示，每个中小企业平均每年在银行业务上花费 816 小时和 320 万卢比。
此外，智慧型手机的普及等多项技术进步的采用导致多个最终用户垂直领域对数位银行的采用有所增加。此外，人工智慧、机器学习和云端运算等技术也有利于银行和金融科技，因为它们可以处理大量客户资讯。然后对这些资料和资讯进行比较，以获得有关客户所需的及时服务/解决方案的结果，这有助于发展客户关係。
Aire、Kabbage 和 Kasisto 是全面投资人工智慧的最着名的金融领域新创公司之一。例如，Kabbage 使用人工智慧演算法来评估向特定客户贷款的所有风险，从而使公司经理能够在最短的时间内提供贷款。金融科技和银行公司消费者对个人化需求的需求进一步增强了对人工智慧的需求。

数位借贷市场趋势

消费领域预计将以更快的速度成长

全球领先的金融服务技术解决方案提供商 Fiserv, Inc. 最新的期望与体验消费者趋势调查表明，近三分之二在过去两年申请贷款的人现在部分或完全在线申请，较去年有大幅增长。这一增长的主要原因是智慧型手机和平板电脑的使用量不断增加。
此外，数位借贷新创公司已开始为教育和专业课程提供贷款，从主要专注于个人贷款和消费贷款领域扩大。例如，总部位于班加罗尔的 Zest Money 正在大力投资专业教育贷款。它已经与 Upgrade、NMIMS、Great Learning、Acadgild 和 Edureka 等公司合作，为想要获得新技能的初级或中级管理人员提供资金。
拥有几年工作经验且没有信用记录的千禧世代（或新信贷群体）发现他们的贷款要么未获批准，要么利率很高。此外，在传统银行，为小型企业和企业贷款做出决定的时间平均为三到五週；平均兑现时间接近三个月。这些挑战正在推动客户的数位行为转向行动装置来存取数位借贷应用程式。
政府法规也促进了数位行为的成长。例如，2023 年 1 月，印度储备银行宣布成立一个透过线上平台和行动应用程式进行数位借贷的工作小组 (WG)。该委员会将负责提出具体监管措施。此举是央行试图解决向服务不足的客户提供各种数位贷款的不可靠贷款应用程式的最新倡议。最近，这些平台因采取强制贷款追收手段而受到监管机构的关注。

亚太地区预计将呈现显着成长

信用合作社使用数位借贷已经相当长一段时间了，但随着新技术的出现和消费者藉贷的快节奏，数位借贷为会员提供的不仅仅是无纸化流程，这一点比以往任何时候都更加重要。例如，2022 年8 月，印度储备银行向银行和非银行金融公司(NBFC) 通报了数位借贷指南，这些银行和非银行金融公司透过数位借贷平台发放贷款主要涉及第三方的无节制参与、不当销售、侵犯资料隐私、不公平的商业行为、收取过高的利率、不道德的追偿行为。
由于缺乏有效的监管，中国的网路借贷行业在过去十年中快速增长，市场参与者数量不断增加。然而，根据中国人民银行的资料，截至5月份，全国持牌金融机构消费贷款余额为9兆元，占全国200兆元贷款余额的不到5%。
印度智慧型手机、网路存取的迅速普及以及消费主义的转变推动了数位借贷企业的成长。印度目前有 338 家线上借贷新创公司试图透过无缝流程缩小贷方和债权人之间的差距。
此外，日本政府正在启动计划，向公民灌输无现金行为。政府发起了2025年将无现金支付比例提高到40%的计划。随着2019年10月1日消费税从8%提高到10%，实施了多项折扣计划，为商家安装无现金支付终端提供补贴，并提供消费者在註册中小企业或特许经营店购买时可享2%或5%的折扣。

数位借贷产业概述

由于有多家解决方案供应商，数位借贷市场的竞争格局较为分散，但没有一家供应商占市场多数份额。 Funding Circle Limited、On Deck Capital Inc.、Prosper Marketplace, Inc.、LendInvest Limited 和 Bizfi LLCare 等市场参与者正在进行多项创新，以改善其产品并获得最大的市场吸引力。市场上的新兴参与者正在策略性地筹集资金，以提供创新和技术整合的解决方案。市场参与者也将策略合作视为一条有利可图的成长之路。

2023年9月，加密货币交易公司Coinbase Global宣布计画推出数位资产借贷平台，特别针对庞大的机构股东。据报道，该公司已为其新型加密货币借贷平台筹集了约 5,700 万美元。

额外的好处：

Excel 格式的市场估算 (ME) 表
3 个月的分析师支持

按类型
- 商业
  - 商业数位借贷市场动态
  - 商业数位借贷生态系统（包括新创公司和现有企业）
- 按消费者
  - 消费者数位借贷市场动态
  - 消费者数位借贷模式（发薪日贷款、点对点贷款、个人贷款、汽车贷款和学生贷款）
  - 消费者数位借贷生态系统（包括新创公司和现有企业）
按地理
- 北美洲
  - 美国
  - 加拿大
- 欧洲
  - 英国
  - 德国
  - 法国
  - 欧洲其他地区
- 亚太地区
  - 中国
  - 印度
  - 日本
  - 亚太地区其他地区
- 世界其他地区

第 7 章：竞争格局

公司简介
- Funding Circle Limited (Funding Circle Holdings PLC)
- Bizfi LLC
- On Deck Capital Inc.
- Prosper Marketplace Inc.
- LendInvest Limited
- LendingClub Corp.
- Zopa Limited
- Social Finance Inc.
- Upstart Network Inc.
- Kiva Microfunds
- Kabbage Inc.
- CAN Capital Inc.
- Lendingtree Inc.
其他公司简介
- Kaspi Bank JSC
- Klarna Bank AB
- Ferratum Oyj
- Provident Bank (Provident Financial Services Inc.)
- International Personal Finance PLC (IPF)
- Oriente
- Faircent
- LenDenClub
- CapFloat Financial Services Private Limited
- Transactree Technologies Private Limited (LendBox)
- Monexo
- i-LEND
- Decimal Technologies Pvt. Ltd.

第 8 章：投资分析与市场机会

简介目录

Product Code: 70790

The Digital Lending Market size is estimated at USD 453.32 billion in 2024, and is expected to reach USD 795.34 billion by 2029, growing at a CAGR of 11.90% during the forecast period (2024-2029).

Key Highlights

Due to the Covid-19 pandemic, SMEs across the globe faced challenges in raising funds during the crisis to keep their businesses operating.
Digital Lending is expected to find several opportunities for growth and adoption during the pandemic, especially among SMEs. According to EY Global Banking Outlook this year, 63% of SMEs still prefer traditional banks for their financial needs, whereas 56% use a banking and payments FinTech service due to increasing FinTech lenders.
The lending landscape has changed drastically over the years due to the rapid adoption of digitization in the BFSI industry. The traditional form of lending still prevails in many parts of the world. However, the benefits provided by digital solution providers are increasingly paving the way for adopting digital lending solutions and services across enterprises.
Another major factor driving the market's growth is the changing consumer expectations and behavior due to the several benefits of digitizing banking and financial services. The customers may range from diversified backgrounds and may require the loan for various purposes ranging from personal loans to SME finance and home loans, amongst many others. According to a survey by IDC commissioned by Razorpay, each SME spends 816 hours and Rs 32 lakh on banking on an average per year.
Further, the adoption of several technological advancements, such as the proliferation of smartphones, has led to an increase in the adoption of digital banking across several end-user verticals. Also, technologies like Artificial Intelligence, Machine Learning, and Cloud Computing benefit banks and fintech as they can process vast amounts of customer information. This data and information are then compared to obtain results about timely services/solutions that customers want, which has aided in developing customer relations.
Aire, Kabbage, and Kasisto are some of the most prominent financial sector startups that have fully invested in AI. For instance, Kabbage uses AI algorithms that assess all risks of lending money to a particular customer, allowing managers of the company to give loans in minimal time. The demand for personalization of their needs among consumers in the fintech and banking companies has further strengthened the demand for AI.

Digital Lending Market Trends

Consumer segment is expected to grow at a higher pace

The latest Expectations & Experiences consumer trends survey from Fiserv, Inc., a leading global provider of financial services technology solutions, states that almost two-thirds of people who have applied for loans in the past two years now do so either partially or fully online, representing a significant increase from last year. A central portion of this growth is due to the increasing usage of smartphones and tablets.
Also, Digital lending startups have started giving out loans for education and professional courses, expanding from mainly focusing on personal loans and consumer lending space. For instance, Bengaluru-based Zest Money is betting big on lending for professional education purposes. It has already partnered with players like Upgrade, NMIMS, Great Learning, Acadgild, and Edureka, among others, to provide funds to entry-level- or mid-level executives wanting to acquire new skill sets.
Millennials with a few years of work experience and no credit history (or the new-to-credit segment) find their loans either unapproved or come at high interest rates. Moreover, in traditional banks, the time to decide for small businesses and corporate lending averages between three and five weeks; the average time to cash is nearly three months. Such challenges are driving customers' digital behavior to mobile devices to access digital lending applications.
Government regulations also augment the increase in digital behavior. For instance, in January 2023, the Reserve Bank of India announced a working group (WG) on digital lending through online platforms and mobile apps. The committee will be responsible for suggesting specific regulatory measures. The move is the latest in the central bank's attempt to tackle fly-by-night lending apps offering various digital loans to underserved customers. Of late, these platforms have been coming under the regulator's glare for adopting coercive means of loan recovery.

Asia-pacific is Expected to Exhibit a Significant Growth Rate

Digital lending has been available to credit unions for quite some time, but with new emerging technologies and the fast-paced nature of consumer lending, it is more important than ever that digital lending offers members more than a paperless process. For instance, In August 2022, RBI Notifies Digital Lending Guidelines to banks and non-banking finance companies (NBFCs) that disbursement loans through digital lending platforms primarily relate to the unbridled engagement of third parties, misselling, breach of data privacy, unfair business conduct, charging of exorbitant interest rates, and unethical recovery practices.
China's online lending sector has seen rapid growth in the past decade owing to a lack of effective regulations, increasing the number of players in the market studied. However, According to data from the People's Bank of China, outstanding consumer loans at the nation's licensed financial institutions stood at 9 trillion yuan as of May, making up less than 5 percent of the country's total outstanding loans of 200 trillion yuan.
The rapid adoption of smartphones, internet access, and a shift toward consumerism in India helped fuel the growth of digital lending enterprises. There are currently 338 online lending start-ups in India trying to reduce the gap between lenders and creditors through a seamless process.
Moreover, the government of Japan is launching programs to inculcate cashless behaviors in citizens. The government launched an initiative to increase cashless payments to 40% by 2025. With the consumption tax increase from 8% to 10% on October 1, 2019, several discount schemes were implemented, which subsidized the installation of cashless payment terminals for merchants and provided 2% or 5% discounts for consumers when purchasing from registered SMEs or franchise stores.

Digital Lending Industry Overview

The competitive landscape of the Digital Lending Market is fragmented owing to the presence of several solution providers, with none of them holding a majority share in the market. The market players, such as Funding Circle Limited, On Deck Capital Inc., Prosper Marketplace, Inc., LendInvest Limited, and Bizfi LLCare, are making several innovations to improve their offerings and gain maximum market traction. The emerging players in the market are strategically raising funds to provide innovative and technologically integrated solutions. The market players also view strategic collaborations as a lucrative path toward growth.

In September 2023, cryptocurrency exchange company Coinbase Global announced its plan to launch a platform for digital asset lending, especially aimed at huge institutional stockholders. The company has reportedly raised around USD 57 million for its new-fangled crypto-lending platform.

Additional Benefits:

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

1 INTRODUCTION

1.1 Study Assumptions & Market Definition
1.2 Scope of the Study

2 RESEARCH METHODOLOGY

3 EXECUTIVE SUMMARY

4 MARKETDYNAMICS

4.1 Market Overview
4.2 Industry Stakeholder Analysis
4.3 Industry Attractiveness - Porter's Five Forces Analysis
- 4.3.1 Bargaining Power of Suppliers
- 4.3.2 Bargaining Power of Consumers
- 4.3.3 Threat of New Entrants
- 4.3.4 Intensity of Competitive Rivalry
- 4.3.5 Threat of Substitute Products
4.4 Important Touchpoints of Potential Loan Purchasers
4.5 Impact of COVID-19 on the Digital Lending and Allied Markets

5 MARKET DYNAMICS

5.1 Market Drivers
- 5.1.1 Increasing Number of Potential Loan Purchasers with Digital Behavior
5.2 Market Challenges
- 5.2.1 Security concerns

6 MARKET SEGMENTATION

6.1 By Type
- 6.1.1 Business
  - 6.1.1.1 Business Digital Lending Market Dynamics
  - 6.1.1.2 Business Digital Lending Ecosystem (including both Startups and Incumbents)
- 6.1.2 By Consumer
  - 6.1.2.1 Consumer Digital Lending Market Dynamics
  - 6.1.2.2 Consumer Digital Lending Models (Payday Lenders, Peer-to-peer Loans, Personal Loans, Auto Loans, and Student Loans)
  - 6.1.2.3 Consumer Digital Lending Ecosystem (including both Startups and Incumbents)
6.2 By Geography
- 6.2.1 North America
  - 6.2.1.1 United States
  - 6.2.1.2 Canada
- 6.2.2 Europe
  - 6.2.2.1 United Kingdom
  - 6.2.2.2 Germany
  - 6.2.2.3 France
  - 6.2.2.4 Rest of Europe
- 6.2.3 Asia Pacific
  - 6.2.3.1 China
  - 6.2.3.2 India
  - 6.2.3.3 Japan
  - 6.2.3.4 Rest of Asia Pacific
- 6.2.4 Rest of the World

7 COMPETITIVE LANDSCAPE

7.1 Company Profiles
- 7.1.1 Funding Circle Limited (Funding Circle Holdings PLC)
- 7.1.2 Bizfi LLC
- 7.1.3 On Deck Capital Inc.
- 7.1.4 Prosper Marketplace Inc.
- 7.1.5 LendInvest Limited
- 7.1.6 LendingClub Corp.
- 7.1.7 Zopa Limited
- 7.1.8 Social Finance Inc.
- 7.1.9 Upstart Network Inc.
- 7.1.10 Kiva Microfunds
- 7.1.11 Kabbage Inc.
- 7.1.12 CAN Capital Inc.
- 7.1.13 Lendingtree Inc.
7.2 Additional Company Profiles
- 7.2.1 Kaspi Bank JSC
- 7.2.2 Klarna Bank AB
- 7.2.3 Ferratum Oyj
- 7.2.4 Provident Bank (Provident Financial Services Inc.)
- 7.2.5 International Personal Finance PLC (IPF)
- 7.2.6 Oriente
- 7.2.7 Faircent
- 7.2.8 LenDenClub
- 7.2.9 CapFloat Financial Services Private Limited
- 7.2.10 Transactree Technologies Private Limited (LendBox)
- 7.2.11 Monexo
- 7.2.12 i-LEND
- 7.2.13 Decimal Technologies Pvt. Ltd.