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市场调查报告书
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1643185

机器人咨询服务 -市场占有率分析、行业趋势和统计、成长预测（2025-2030 年）

Robo-advisory Services - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2025 - 2030)
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在 2025 年为 151.8 亿美元，预计到 2030 年将达到 603.3 亿美元，预测期内（2025-2030 年）的复合年增长率为 31.78%。

机器人咨询服务-市场-IMG1

BFSI 行业的快速数位化正在加速数位投资的成长，其中机器人咨询发挥着重要作用。机器人咨询服务对于不喜欢亲自监控其投资组合发展的被动投资者来说非常有用。

关键亮点

  • 终端用户产业的快速流程和业务自动化是采用机器人咨询服务的主要驱动力。这些服务消除了对人力的需求，因为线上平台以极低的成本提供相同的服务。此外，只要用户有网路连接，该服务就可以全天 24 小时、全年 365 天提供。
  • 一些新兴经济体正在鼓励本地参与企业加强对机器人咨询服务的测试和研究。预计这些措施将进一步促进市场成长。例如，沙乌地阿拉伯资本市场管理局（CMA）已核准Wahed Capital 和 Haseed Investing Company 测试机器人咨询服务。这是该国鼓励阿拉伯经济使用金融科技的策略的一部分。
  • 在冠状病毒、封锁和市场不确定性期间，我们看到全球 B2B 机器人咨询、数位投资、财务建议和投资组合管理激增。从传统投资服务到机器人咨询投资服务的快速转变也推动了市场成长。此外，投资平台现在提供机器人投资咨询作为超越传统投资服务的新型数位金融咨询服务，为机器人投资咨询的发展创造了更大的空间。
  • 机器人投顾透过分析资料，利用演算法计算，传播综合讯息，正被零售银行、资产管理等多个产业领域广泛采用，推动市场的发展。此外，机器人咨询还列出了一些好处，例如税收损失收穫、低成本投资组合、更好的决策、安全可靠的投资以及消除信用风险。预计这些因素将在预测期内推动该行业的成长。
  • 然而，预计机器人咨询提供的有限灵活性将在预测期内抑制市场成长。缺乏面对面会议导致投资者和顾问之间的咨询障碍也预计会阻碍市场成长。然而，对低成本投资咨询的需求预计将为市场成长带来机会。此外，高级分析和巨量资料的日益广泛使用有可能极大地扩展机器人咨询的范围。

机器人咨询服务市场趋势

投资咨询可望成为最大推动力

  • 机器人咨询服务包括主要与个人财务相关的投资咨询服务。机器人咨询正在迅速填补人类投资咨询留下的空白，包括能力、容量和成本，这主要是由于投资业日益采用数位化以及机器人技术日益采用人工智慧。
  • 随着金融业在投资建议中采用技术支援的分析，对机器人咨询的需求预计会增加。产业成长的另一个驱动力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，机器人咨询现已在投资平台上提供，作为传统投资服务的替代品，从而推动机器人咨询的广泛应用。
  • 推动市场发展的是零售银行业务，根据 evidenceinsights.com 的数据，全球最大的银行之一摩根大通将在 2023 年采用最高的人工智慧 (AI)，财富管理和其他行业也是如此，这得益于评估资料和提供深入资讯的演算法计算，以及在多个垂直行业广泛使用机器人咨询。
  • 预计这些变数将在预测期内推动产业扩张。推动市场成长的主要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都依赖科技和个人咨询。透过采用人工智慧和机器学习等技术，他们正在快速建立机器人咨询服务，为散户投资者提供准确、透明的咨询服务，进一步防止投资者做出不准确的投资决策。

北美可望主导市场

  • 机器人投资咨询管理被视为以前专属资产管理服务的突破，因为它使更广泛的人群能够以比传统人工协助更低的成本享受该服务。机器人顾问透过收集有关客户当前财务状况的资讯来评估客户的风险接受度。当机器人顾问决定如何为其客户分配资产时，它会考虑客户的风险偏好和目标回报。
  • 在北美，参与者包括 Betterment LLC、Charles Schwab & Co. Inc.、Wealthfront Inc. 和 Vanguard Group。该地区在技术进步和机器人行业方面也处于领先地位。该市场中的各类公司都在创新和开发产品，以利用先发优势并最大限度地吸引市场。
  • 一些金融机构仍处于发展阶段，致力于创新和开发高度先进的平台，为客户提供机器人咨询服务。例如，先锋集团（Vanguard Group）计划推出一项机器人咨询服务，据称该服务将消除对人工咨询的需求。
  • 此外，北美对区块链技术的投资正在增加。近期，美国已启动多个区块链开发计划，加速市场成长。该地区也是许多科技型中小企业的所在地。
  • 此外，公共基本服务与 BaaS 解决方案的整合正在取得重大进展，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

机器人咨询服务市场的竞争格局正在巩固，Betterment LLC、Wealthfront Inc. 和 Vanguard Group 等主要企业占据大部分市场占有率。这些市场参与企业正在创新他们的产品，以最大限度地扩大市场占有率。此外，一些经济体的政府也在鼓励中小型供应商透过创新产品进入市场并建立策略联盟。

  • 2023 年 11 月，Wealthfront 宣布该公司目前为美国超过 70 万名客户（主要是年轻专业人士）监督超过 500 亿美元的资产。 Wealthfront 的投资团队不断监控投资格局的变化并评估机会，以帮助投资最新的行业和趋势。
  • 2023 年 9 月 -美国最大的独立数位投资顾问公司 Betterment 今天宣布推出新的比特币/以太坊投资组合，作为其 Betterment 加密投资套件的一部分。对于希望将加密货币作为长期投资策略一部分的投资者来说，新的投资组合可让他们直接投资市场上两种最大的加密货币。
  • 2022年11月，摩根大通推出了一项混合机器人咨询计划，让投资者能够持续访问数位投资平台和人工财务咨询，填补了公司财富管理服务的空白。虽然摩根大通个人顾问对所有投资者开放，但该公司主要为那些对财富管理服务感兴趣但不愿接受摩根分店咨询服务的银行和信用卡客户提供服务。

其他福利

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

目录

第 1 章 简介

  • 研究假设和市场定义
  • 研究范围

第二章调查方法

第三章执行摘要

第四章 市场洞察

  • 市场概况
  • 产业吸引力-波特五力分析
    • 供应商的议价能力
    • 购买者/消费者的议价能力
    • 新进入者的威胁
    • 替代品的威胁
    • 竞争对手之间的竞争强度
  • COVID-19 市场影响分析

第五章 市场动态

  • 市场驱动因素
    • BFSI 产业的数位化
    • 经济高效的个人财务管理
  • 市场限制
    • 缺乏人类专业知识和同理心
    • 技术尚未成熟

第六章 市场细分

  • 按服务类型
    • 投资咨询
    • 财富管理
    • 退休计划
    • 税收损失收穫
  • 按地区
    • 北美洲
    • 欧洲
    • 亚太地区
    • 其他的

第七章 竞争格局

  • 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.

第八章投资分析

第九章 市场机会与未来趋势

简介目录
Product Code: 70172

The Robo-advisory Services Market size is estimated at USD 15.18 billion in 2025, and is expected to reach USD 60.33 billion by 2030, at a CAGR of 31.78% during the forecast period (2025-2030).

Robo-advisory Services - Market - IMG1

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, According to evidentinsights.com Among the largest banks in the world, JPMorgan Chase had the highest artificial intelligence (AI) adoption in 2023, 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.

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.
  • 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 2023 - Wealthfronthas announced that the company now oversees more than USD50 billion in assets for over 700,000 clients, largely young professionals across the United States. Wealthfront's Investment Team constantly monitors the changing investment landscape and evaluates opportunities to help clients invest in the latest industries and trends.
  • In Spetember 2023 - Betterment, the largest independent digital investment advisor in the U.S., announced today the launch of a new Bitcoin/Ethereum Portfolio as part of the crypto investing by betterment suite. The new portfolio provides direct access to the two largest cryptocurrencies in the market for investors who are interested in gaining exposure to crypto as part of their long-term investment strategy.
  • 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.

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 MAKET INSIGHTS

  • 4.1 Market Overview
  • 4.2 Industry Attractiveness - Porter's Five Forces Analysis
    • 4.2.1 Bargaining Power of Suppliers
    • 4.2.2 Bargaining Power of Buyers/Consumers
    • 4.2.3 Threat of New Entrants
    • 4.2.4 Threat of Substitute Products
    • 4.2.5 Intensity of Competitive Rivalry
  • 4.3 Analysis of Impact of COVID-19 on the Market

5 MARKET DYNAMICS

  • 5.1 Market Drivers
    • 5.1.1 Digitization of the BFSI Industry
    • 5.1.2 Cost-efficiency in Managing Personal Finance
  • 5.2 Market Restraints
    • 5.2.1 Lack of Human Expertise and Empathy
    • 5.2.2 Nascency of the Technology

6 MARKET SEGMENTATION

  • 6.1 By Type of Services
    • 6.1.1 Investment Advisors
    • 6.1.2 Wealth Management
    • 6.1.3 Retirement Planning
    • 6.1.4 Tax-loss Harvesting
  • 6.2 By Geography
    • 6.2.1 North America
    • 6.2.2 Europe
    • 6.2.3 Asia-Pacific
    • 6.2.4 Rest of the World

7 COMPETITIVE LANDSCAPE

  • 7.1 Company Profiles
    • 7.1.1 Betterment LLC
    • 7.1.2 Wealthfront Corporation
    • 7.1.3 The Vanguard Group Inc.
    • 7.1.4 Charles Schwab & Co. Inc.
    • 7.1.5 BlackRock Inc. (FutureAdvisor)
    • 7.1.6 FMR LLC (Fidelity Go)
    • 7.1.7 Roboadviso
    • 7.1.8 M1 Holdings Inc.

8 INVESTMENT ANALYSIS

9 MARKET OPPORTUNITIES AND FUTURE TRENDS