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市场调查报告书
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1690896

北美金融科技：市场占有率分析、产业趋势与统计、成长预测（2025-2030 年）

North America Fintech - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2025 - 2030)
出版日期: | 出版商: Mordor Intelligence | 英文 140 Pages | 商品交期: 2-3个工作天内

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简介目录

北美金融科技市场规模预计在 2025 年为 1,453.7 亿美元，预计到 2030 年将达到 3,255.9 亿美元，预测期内（2025-2030 年）的复合年增长率为 17.5%。

北美金融科技市场-IMG1

Fintech 代表金融科技，指的是利用科技进步提供比传统金融机构更有效率的金融服务。其中包括行动银行、P2P借贷、群众集资、财富管理机器人顾问、数位付款等。金融科技公司利用科技提供比传统金融机构更便利、更具成本效益的服务。

北美金融科技市场充满活力且快速发展，许多公司正在彻底改变人们取得金融服务的方式。其主要业务包括数位付款解决方案，例如行动钱包和P2P付款管道。北美的法规环境对金融科技公司相对有利，监管机构鼓励创新。北美消费者和企业是金融科技解决方案的早期采用者，推动了对数位银行和行动付款的需求。在北美，金融科技投资和资金筹措蓬勃发展，创业投资、银行和其他金融机构纷纷投资新兴企业和创新技术。

北美金融科技市场趋势

北美数位付款市场的成长

由于多种因素，近年来北美的数位付款交易量大幅增加。电子商务的扩张大大增加了对高效、安全的数付款解决方案的需求。这种成长反映出，受科技进步和网路购物成长的推动，消费者对无缝、可靠的付款方式的偏好日益增强。

付款和非接触式付款的兴起也是为消费者提供更多便利和快速的重要因素。增强的安全措施和创新的付款管道等技术改进进一步刺激了市场成长。支持性的法规环境和对数位付款基础设施的增加投资也将提高市场准入程度。新冠疫情加速了数位化商务的转变，企业和消费者越来越喜欢非接触式和远端支付方式。这种转变进一步加强了无现金经济的进程。

美国引领北美金融科技市场

美国已经显着改变了金融的许多方面，包括贷款、投资、贷款选择、企业创业援助和收购。一个值得注意的趋势是，目前三分之一的美国数位消费者使用两种或两种以上的金融科技服务，这表明金融科技解决方案在日常金融活动中的接受度和融入度不断提高。

美国金融科技市场持续成长，这体现在其市值的不断增加。新银行和数位付款在交易量方面处于领先地位，吸引了新市场进入者增加的投资。这种扩张是由消费者对更便利、更有效率、更容易取得的金融服务的需求所推动的。

与传统金融机构相比，18-40 岁的消费者对金融科技品牌更信任。这种人口结构的变化标誌着金融服务格局的转变，年轻一代更有可能采用创新的金融技术。

美国的这些趋势正在对北美的金融科技趋势产生重大影响。随着美国市场的成熟，它建立了通常遍布北美大陆的基准和模式，并可以影响邻国金融科技产业的发展。

北美金融科技产业概况

北美金融科技市场基本整合，每个子部门产业都有少数主导企业。这种整合是由多种因素推动的，包括由于监管合规要求而产生的高进入门槛、开发和扩展金融科技解决方案需要大量的资本投入，以及随着金融科技公司不断增长和发展基本客群产生的网络效应。市场的主要企业包括 Stripe、Chime、Avant、Wealthsimple 和 SoFi。

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 市场洞察与动态

  • 市场概况
  • 市场驱动因素
    • 区块链、人工智慧和机器学习等创新将提高金融科技解决方案的效率和能力
  • 市场限制
    • 对资料外洩和诈欺的日益担忧可能会阻碍消费者对数位金融服务的信任和采用
  • 市场机会与未来趋势
    • 金融科技公司与传统金融机构之间的合作可能会透过将创新技术融入现有系统来推动市场成长。
    • 数位钱包的日益普及为金融科技公司提供了提供创新付款解决方案并将其与各种金融服务相结合的机会
  • 深入了解影响该地区金融科技市场的关键法规和政策
  • 该地区网路和智慧型手机普及率
  • 收益及资金筹措统计
  • 波特五力分析
    • 购买者/消费者的议价能力
    • 供应商的议价能力
    • 新进入者的威胁
    • 替代品的威胁
    • 竞争对手之间的竞争强度
  • 新冠肺炎疫情对市场的影响

第五章 市场区隔

  • 按服务主张
    • 汇款和付款
    • 储蓄和投资
    • 数位借贷和借贷市场
    • 线上保险和保险市场
    • 其他服务建议
  • 按国家
    • 美国
    • 加拿大
    • 北美其他地区

第六章 竞争格局

  • 公司简介
    • Avant LLC
    • Chime Financial Inc.
    • Wealthsimple Inc.
    • Stripe Inc.
    • SoFi Technologies Inc.
    • Square
    • Kraken
    • Oscar Health
    • Mogo

第七章 市场趋势

第八章 免责声明及发布者

简介目录
Product Code: 72325

The North America Fintech Market size is estimated at USD 145.37 billion in 2025, and is expected to reach USD 325.59 billion by 2030, at a CAGR of 17.5% during the forecast period (2025-2030).

North America Fintech - Market - IMG1

Fintech, which stands for financial technology, involves harnessing technological advancements to offer financial services with greater efficiency than traditional institutions. It includes mobile banking, peer-to-peer lending, crowdfunding, robo-advisors for wealth management, and digital payments. Fintech companies leverage technology to offer services that are more convenient and cost-effective than traditional financial institutions.

The North American fintech market is dynamic and rapidly evolving, with companies revolutionizing how people access financial services. Key segments include digital payment solutions like mobile wallets and peer-to-peer payment platforms. The regulatory environment in North America is relatively favorable for fintech companies, with regulators encouraging innovation. North American consumers and businesses are early adopters of fintech solutions, driving the demand for digital banking and mobile payments. North America attracts significant investment and funding in the fintech sector, with venture capital firms, banks, and other financial institutions investing in startups and innovative technologies.

North America Fintech Market Trends

Growth in the North American Digital Payment Market

North America's digital payment transaction value has grown significantly in recent years, driven by several factors. The expansion of e-commerce has substantially increased the demand for efficient and secure digital payment solutions. This growth reflects consumers' increasing preference for seamless and reliable payment methods, driven by technological advancements and the rise in online shopping.

The widespread adoption of mobile and contactless payments is another major contributor, offering consumers enhanced convenience and speed. Technological improvements, including enhanced security measures and innovative payment platforms, further stimulate the market's growth. Supportive regulatory environments and increased investment in digital payment infrastructure also improve market accessibility. The COVID-19 pandemic accelerated the shift to digital transactions, with businesses and consumers increasingly favoring contactless and remote payment methods. This transition has further reinforced the movement toward a cashless economy.

The United States is Leading the North American Fintech Market

The United States has significantly altered various aspects of finance, including lending, investing, loan selection, startup support, and acquisitions. A notable trend shows that one-third of US digital consumers now use two or more fintech services, indicating increased acceptance and integration of fintech solutions in daily financial activities.

The US fintech market continues to grow, as reflected in its increasing market value. Neo-banking and digital payments lead in transaction value, attracting increased investment from new market entrants. This expansion is driven by consumer demand for more convenient, efficient, and accessible financial services.

Consumers aged 18-40 show higher trust in fintech brands compared to traditional financial institutions. This demographic shift suggests a changing landscape in financial services, with younger generations more readily adopting innovative financial technologies.

These trends in the United States significantly influence the broader North American fintech landscape. As the US market matures, it establishes benchmarks and patterns that often extend across the continent, potentially shaping the development of fintech sectors in neighboring countries.

North America Fintech Industry Overview

The North American fintech market is largely consolidated, with a few dominant players in each sub-sector of the industry. This consolidation has been driven by a few factors, including high barriers to entry due to regulatory compliance requirements, the need for significant capital investment to develop and scale fintech solutions, and the network effects that arise as fintech companies grow and develop their customer bases. Some of the major players in the market are Stripe, Chime, Avant, Wealthsimple, and SoFi.

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 INSIGHTS AND DYNAMICS

  • 4.1 Market Overview
  • 4.2 Market Drivers
    • 4.2.1 Innovations Such as Blockchain, Artificial Intelligence, and Machine Learning Enhance the Efficiency and Capabilities of Fintech Solutions
  • 4.3 Market Restraints
    • 4.3.1 Increasing Concerns About Data Breaches and Fraud May Hinder Consumer Trust and Adoption of Digital Financial Services
  • 4.4 Market Opportunities And Future Trends
    • 4.4.1 Collaborations Between Fintech Firms and Traditional Financial Institutions Can Drive the Market's Growth By Integrating Innovative Technologies Into Established Systems
    • 4.4.2 Increased Adoption of Digital Wallets Presents Opportunities for Fintech Firms to Offer Innovative Payment Solutions and Integrate with Various Financial Services
  • 4.5 Insights on Key Regulations and Industry Policies Impacting Fintech Market in the Region
  • 4.6 A Brief on Internet and Smartphone Penetration in the Region
  • 4.7 Revenue and Funding Statistics
  • 4.8 Porter's Five Forces Analysis
    • 4.8.1 Bargaining Power of Buyers/Consumers
    • 4.8.2 Bargaining Power of Suppliers
    • 4.8.3 Threat of New Entrants
    • 4.8.4 Threat of Substitute Products
    • 4.8.5 Intensity of Competitive Rivalry
  • 4.9 Impact of the COVID-19 Pandemic on the Market

5 MARKET SEGMENTATION

  • 5.1 By Service Proposition
    • 5.1.1 Money Transfer and Payments
    • 5.1.2 Savings and Investments
    • 5.1.3 Digital Lending and Lending Marketplaces
    • 5.1.4 Online Insurance and Insurance Marketplaces
    • 5.1.5 Other Service Propositions
  • 5.2 By Country
    • 5.2.1 United States
    • 5.2.2 Canada
    • 5.2.3 Rest of North America

6 COMPETITIVE LANDSCAPE

  • 6.1 Overview (Market Concentration and Major Players)
  • 6.2 Company Profiles
    • 6.2.1 Avant LLC
    • 6.2.2 Chime Financial Inc.
    • 6.2.3 Wealthsimple Inc.
    • 6.2.4 Stripe Inc.
    • 6.2.5 SoFi Technologies Inc.
    • 6.2.6 Square
    • 6.2.7 Kraken
    • 6.2.8 Oscar Health
    • 6.2.9 Mogo

7 MARKET FUTURE TRENDS

8 DISCLAIMER AND ABOUT US