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市场调查报告书
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1644310

数位借贷：市场占有率分析、产业趋势与统计、成长预测（2025-2030 年）

Digital Lending - 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

预计 2025 年数位借贷市场规模为 5,072.7 亿美元，到 2030 年将达到 8,899.9 亿美元，预测期内（2025-2030 年）的复合年增长率为 11.9%。

数位借贷-市场-IMG1

主要亮点

  • 数位借贷，也称为金融科技借贷，透过线上平台获得贷款，使借贷流程更加有效率。借款人可以透过网路申请贷款，无需亲自前往银行。这种数位化方法消除了对银行等传统仲介业者的需求，并大大减轻了行政负担。
  • 随着数位化在 BFSI 行业的快速应用，贷款格局在过去几年发生了巨大变化。儘管传统借贷形式在世界许多地方仍占主导地位，但数位解决方案提供商提供的优势正日益为整个企业采用数位借贷解决方案和服务铺平道路。
  • 银行和金融服务数位化带来的各种好处正在改变消费者的期望和行为，这也是推动市场成长的主要因素。我们的客户背景各异，需要融资用于各种目的，从个人贷款到小型企业融资到房屋抵押贷款。
  • 此外，智慧型手机的广泛使用等技术进步正在推动各行各业的终端用户采用数位银行。此外，人工智慧、机器学习和云端处理等技术也使银行和金融科技公司受益，因为它们可以处理大量客户资讯。比较这些资料和资讯以获得客户所需的及时服务和解决方案的结果，从而有助于发展客户关係。
  • Aire、Kabbage 和 Kasisto 是一些最知名的全力投资人工智慧的金融新兴企业。例如，Kabbage 使用人工智慧演算法评估向特定客户贷款所涉及的所有风险，让公司经理能够在最短的时间内发放贷款。金融科技和银行公司被要求个性化他们的客户体验，这进一步增加了对人工智慧的需求。

数位借贷市场的趋势

消费领域将经历显着成长

  • 根据全球领先的金融服务技术解决方案提供商 Fiserv Inc. 进行的最新期望与体验消费者趋势研究，过去两年申请贷款的人中近三分之二是部分或全部通过在线方式申请的，与上一年相比有显着增长。这一增长的关键部分是由于智慧型手机和平板电脑的使用日益增加。
  • 数位借贷新兴企业也开始提供教育和专业课程贷款，从个人借贷扩展到消费借贷。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。该公司与 Upgrade、NMIMS、Great Learning、Acadgild 和 Edureka 等公司合作，为想要重新接受技能培训的初级员工和中阶管理人员提供资金。
  • 千禧世代只有几年工作经历，没有信用记录（或信用记录不佳），他们发现他们的贷款要么未获核准，要么利率很高。此外，传统银行批准中小企业和大企业的贷款平均需要三到五週的时间，而平均兑现时间则接近三个月。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。
  • 政府监管也在强化消费者的数位行为。例如，2023 年 12 月，印度储备银行 (RBI) 宣布了监管数位贷款聚合机构并提高业务透明度的计画。此举凸显了印度储备银行对受监管实体和相关贷款服务提供者监督的决心，以确保顺利提供允许的信贷便利服务。

亚太地区成长强劲

  • 信用合作社已经提供数位借贷服务很长一段时间了。但随着新技术和消费贷款的快节奏发展，数位贷款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为重要。
  • 2024 年 4 月，国家农业和农村发展银行 (NABARD) 宣布与印度储备银行的子公司 RBIH 建立战略合作伙伴关係，以简化农业贷款的处理。 NABARD 计划将其 e-KCC 贷款发放系统入口网站与储备银行创新中心 (RBIH) 开发的无摩擦信贷公共技术平台 (PTPFC) 结合。
  • 在印度，智慧型手机的快速普及、网路的普及以及消费主义的转变刺激了数位借贷公司的成长。目前，印度共有 338 家线上借贷新兴企业，它们都试图透过无缝流程缩小借贷双方之间的差距。
  • 此外，日本政府也推出计画鼓励公民采用无现金行为。政府已启动倡议，到 2025 年将无现金付款提高到 40%。配合2019年10月1日消费税由8%增加至10%，多项折扣制度也已实施。这些计划为参与的商店提供补贴以安装无现金付款终端，并为从註册小型企业或专利权购买商品的消费者提供 2% 或 5% 的折扣。

数位借贷行业概况

数位借贷市场分散，有多家解决方案提供商，但没有一家能够占多数。 Funding Circle Limited、On Deck Capital Inc.、Prosper Marketplace Inc.、LendInvest Limited 和 Bizfi LLC 等市场参与者正在进行多项创新，以改善其服务并最大限度地吸引市场。市场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联盟视为有利可图的成长途径。

  • 2024年7月，领先的CRM供应商销售团队宣布计画推出「面向印度的数位借贷」。该平台旨在使印度银行和贷方能够采用数位化方式进行消费者贷款。这样，您可以简化业务，降低成本，并消除管理分散、过时系统的挑战。 「印度数位借贷」是专门针对印度市场量身定制的。此外，它还提供整合功能，让银行可以将财务资料与来自销售团队的客户洞察相结合。
  • 2024 年 5 月，PhonePe 在其应用程式内推出了一个安全的数位借贷平台。该平台为超过 5.35 亿註册用户提供六种类别的贷款，包括共同基金、金融和汽车贷款。该贷款将与银行、非银行金融公司 (NBFC) 和金融科技公司网路合作提供，包括 Tata Capital、L&T Finance、Hero FinCorp 和 Muthoot Fincorp。

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 市场趋势

  • 市场概况
  • 产业相关人员分析
  • 产业吸引力－波特五力分析
    • 供应商的议价能力
    • 消费者议价能力
    • 新进入者的威胁
    • 竞争对手之间的竞争
    • 替代品的威胁
  • 潜在贷款购买者的关键接触点
  • 新冠肺炎对数位借贷及相关市场的影响

第五章 市场动态

  • 市场驱动因素
    • 越来越多潜在的贷款购买者正在采用数位化行为
  • 市场挑战
    • 安全问题

第六章 市场细分

  • 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（包括新兴企业和成熟企业）
    • 按消费者
      • 消费者数位借贷市场动态
      • 消费者数位借贷模式（发薪日贷款人、P2P贷款、个人贷款、汽车贷款、学生贷款）
      • 消费者数位借贷生态系统（包括新兴企业和现有企业）
  • 按地区
    • 北美洲
      • 美国
      • 加拿大
    • 欧洲
      • 英国
      • 德国
      • 法国
    • 亚洲
      • 中国
      • 印度
      • 日本
    • 澳洲和纽西兰
    • 拉丁美洲
    • 中东和非洲

第七章 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.
    • 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

第八章 投资分析及市场机会

简介目录
Product Code: 70790

The Digital Lending Market size is estimated at USD 507.27 billion in 2025, and is expected to reach USD 889.99 billion by 2030, at a CAGR of 11.9% during the forecast period (2025-2030).

Digital Lending - Market - IMG1

Key Highlights

  • Digital lending, also known as fintech lending, involves securing loans through online platforms, making the borrowing process more efficient. Rather than physically visiting a bank, borrowers can apply for loans online. This digital approach removes the need for traditional intermediaries, such as banks, and significantly reduces the burden of paperwork.
  • The lending landscape has changed drastically over the years due to the rapid adoption of digitization in the BFSI industry. While the traditional form of lending still prevails in many parts of the world, the benefits provided by digital solution providers are increasingly paving the way for the adoption of 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. Customers may hail from diversified backgrounds and require loans for various purposes, ranging from personal loans to SME finance and home loans.
  • Furthermore, technological advancements, such as the proliferation of smartphones, have 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 industry startups that are fully investing in AI. For instance, Kabbage uses AI algorithms that assess all risks of lending money to a particular customer, allowing company managers to give loans in minimal time. The demand for personalization of their needs among consumers in fintech and banking companies has further strengthened the demand for AI.

Digital Lending Market Trends

The Consumer Segment to Witness Significant Growth

  • According to the latest Expectations & Experiences consumer trends survey from Fiserv Inc., a leading global provider of financial services technology solutions, almost two-thirds of people who have applied for loans in the past two years do so either partially or fully online, representing a significant increase from the previous year. A central portion of this growth is due to the increasing usage of smartphones and tablets.
  • Digital lending startups have also started giving out loans for education and professional courses, expanding from mainly focusing on personal loans to consumer lending space. For instance, Bengaluru-based Zest Money is betting big on lending for professional education purposes. The company partnered with players like Upgrade, NMIMS, Great Learning, Acadgild, and Edureka 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 at high interest rates. Moreover, in traditional banks, the time to decide for small businesses and corporate lending averages between three and five weeks, and 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 digital behavior among consumers. For instance, in December 2023, the Reserve Bank of India (RBI) announced plans to subject digital loan aggregators to a regulatory framework to enhance transparency in operations. This move underscores the RBI's commitment to overseeing its regulated entities and the lending service providers it collaborates with, ensuring the smooth provision of permissible credit facilitation services.

Asia-Pacific to Register Major Growth

  • Digital lending has been available to credit unions for quite some time. However, with 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.
  • In April 2024, the National Bank for Agriculture and Rural Development (NABARD) announced a strategic partnership with the Reserve Bank's subsidiary, RBIH, to streamline the processing of agricultural loans. NABARD is projected to merge its e-KCC loan origination system portal with the Public Tech Platform for Frictionless Credit (PTPFC) developed by the Reserve Bank Innovation Hub (RBIH).
  • The rapid adoption of smartphones, internet access, and a shift toward consumerism in India helped fuel the growth of digital lending enterprises. Currently, there are 338 online lending start-ups in India that are 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. These schemes 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 digital lending market is fragmented owing to the presence of several solution providers, none of which holds a majority share. 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.

  • July 2024: Salesforce, a leading CRM provider, unveiled its plans to launch 'Digital Lending for India.' This platform is designed to enable banks and lenders in India to adopt digital approaches to consumer lending. By doing so, they can streamline operations, reduce costs, and eliminate the challenges of managing outdated, disparate systems. 'Digital Lending for India' is tailored exclusively for the Indian market. Furthermore, it offers integration capabilities, allowing banks to merge their financial data with Salesforce's customer insights.
  • May 2024: PhonePe launched its secure digital lending platform within its app. This platform allows over 535 million registered users to access loans across six categories, including mutual fund, gold, and car loans. The loans are provided in partnership with a network of banks, non-banking financial companies (NBFCs), and other fintech companies, including Tata Capital, L&T Finance, Hero FinCorp, and Muthoot Fincorp.

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 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
    • 6.2.3 Asia
      • 6.2.3.1 China
      • 6.2.3.2 India
      • 6.2.3.3 Japan
    • 6.2.4 Australia and New Zealand
    • 6.2.5 Latin America
    • 6.2.6 Middle East and Africa

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.
    • 7.1.14 Kaspi Bank JSC
    • 7.1.15 Klarna Bank AB
    • 7.1.16 Ferratum Oyj
    • 7.1.17 Provident Bank (Provident Financial Services Inc.)
    • 7.1.18 International Personal Finance PLC (IPF)
    • 7.1.19 Oriente
    • 7.1.20 Faircent
    • 7.1.21 LenDenClub
    • 7.1.22 CapFloat Financial Services Private Limited
    • 7.1.23 Transactree Technologies Private Limited (LendBox)
    • 7.1.24 Monexo
    • 7.1.25 i-LEND
    • 7.1.26 Decimal Technologies Pvt. Ltd

8 INVESTMENT ANALYSIS AND MARKET OPPORTUNITIES