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市场调查报告书
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1844512

汽车金融：市场份额分析、行业趋势、统计数据和成长预测（2025-2030 年）

Automotive Finance - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2025 - 2030)
出版日期: | 出版商: Mordor Intelligence | 英文 150 Pages | 商品交期: 2-3个工作天内

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简介目录

预计2025年汽车金融市场规模将达3,256.2亿美元，2030年将达4,718.3亿美元。

汽车金融-市场-IMG1

二手车融资占汽车金融市场的53.40%，目前正经历9.2%的快速成长，并将在2030年之前继续成为主要的成长引擎。儘管基准利率持续高企，但数位化发起平台、消费者对灵活支付结构日益增长的需求以及汽车电动化的持续推进，都使二手车融资保持成长势头。金融机构正在透过深化分析能力、拓展基于风险的定价以及与线上汽车零售市场合作来应对这一挑战，以保持信贷流通。此外，将融资与增值出行服务（例如订阅套餐和电池租赁）相结合的能力，正成为银行、整车厂专属专属式和金融科技参与企业的关键竞争优势。

全球汽车金融市场趋势与洞察

线上汽车零售平台的激增推动了即时数位借贷

2024年，北美经销商和贷款机构的数位化交易数量较去年同期激增。消费者现在期望在线购买后10分钟内即可获得实时信贷核准，这比2023年通常需要一到两天的时间大幅加快。整合的比价Widgets提高了价格透明度，挤压了没有自动定价工具的贷款机构的利润空间。这一趋势正在蔓延到欧洲，在那里，多贷款机构API已将高端市场的平均资金筹措时间缩短了48%。对于专属式金融业而言，在OEM电商入口网站中嵌入专有金融计算器，改善了保险和维护合约的交叉销售，从而提高了转换率和客户生命週期价值。

二手车交易量增加创造新的租赁量

认证二手车专案正在改变消费者对二手车的看法，使贷款机构能够提供更接近新车的贷款比率和利率。例如，起亚的六年期CPO保修，使其在2024年美国市场二手车渗透率提升了五个百分点。在欧洲，由于供应链衝击后新车型库存回升，二手车平均贷款额较去年同期成长14%。随着二手车市场整合即时融资服务，允许消费者在前往经销商之前锁定利率，正在提高销售转换率，缩短销售漏斗，并降低贷款放弃率。

央行升息挤压净息差

截至2025年5月，美国政策利率介于4.25%至4.5%之间。资金筹措成本上升挤压了贷款机构的利差，2024年银行新增汽车贷款余额下降了3.4%。传统上在利率方面极具竞争力的信用合作社已下调其72个月固定利率，引导借款人选择较短的期限。在製造商激励措施的支持下，专属式金融营业单位吸收了部分利率上行压力，以维持展示室客流量，这解释了其市场份额的成长。在欧洲，欧洲央行（ECB）升息效应的延迟传导也同样抑制了净收益，迫使贷款发起人采用分级利率结构，将风险成本转嫁给品质较低的借款人。

細項分析

汽车金融市场中的二手车细分市场将持续保持领先地位，到2024年将占据汽车金融市场的53.40%，复合年增长率为9.2%，超过整体市场成长速度。认证二手车专案已成为主流保固方案，使贷款机构能够将将近新车视为优质风险抵押品。数位市场规模正在进一步扩大，各大门户网站上整合的贷款Widgets使申请到核准的转换率提高了30%以上。因此，到2030年，二手车细分市场的规模预计将超过2,800亿美元。

到2025年初，新车的平均付款将达到742美元。为了减轻价格衝击，经销商正在推广长期融资和租赁套餐。然而，负资产以旧换新的比例正在上升，使得残值计算更加复杂。虽然新车通路的份额仍维持在46%，但其成长放缓可能迫使贷款机构调整其风险调整后的定价，并考虑捆绑保险产品，以在内燃机汽车转售环境疲软的情况下保护转售价值。

到2024年，银行将占据汽车金融市场的46.50%，但专属式金融业正在蚕食其领先地位，预计2025年至2030年的复合年增长率将达到8.1%。光是大众金融服务公司一家，到2024年就将签署1,030万份新契约，渗透率将提升至34.1%。受会员忠诚度和具有竞争力的二手车贷款定价的推动，信用合作社的汽车金融市场份额仍维持在20%左右。

其余15%是非银行贷款机构，它们利用另类资料渗透到高额、低利润的细分市场。与分店银行相比，它们的低开销数位模式可将贷款发放成本降低高达40%。透过整合金融API，电商平台可以快速推出品牌汽车贷款产品，并推动贷款额成长。传统银行将继续严格审查成本收入比，这要求它们策略性地实现承保自动化、简化文件工作流程，并与金融科技专家合作，以保持其在更广泛的汽车金融行业中的地位。

区域分析

亚太地区仍将是最具影响力的地区，到2024年将维持41.20%的汽车金融市占率。中国电动车市场蓬勃发展，预计到2024年电动车将占新车销售的近一半，再加上印度在FAME计画下制定的500亿美元电动车融资蓝图，这些因素确保了信贷需求的长期成长。数位化优先的核保、即时情报数据以及基于人工智慧的欺诈管理，使贷款机构能够为此前缺乏正式信用檔案的借款人提供服务。随着各国政府扩大报废汽车奖励措施，贷款额度正变得更具韧性。中国实施的10%汽车退税政策，仅在六个月内就使汽车更换贷款额激增14%。

到2024年第四季，儘管拖欠率高达2.96%，汽车贷款余额仍成长至1.66兆美元。贷款机构正在收紧信贷分期，提高首付要求，并投资预测分析，以减少冲销。然而，美国汽车金融市场正受益于创新的金融科技合作，这些合作缩短了资金筹措週期，并将商店贷款提案扩展到线上市场。贷款机构正在捆绑远端维护订阅服务，这些服务可以发送预测性服务提醒，保护抵押品，并提高转售价值。

中东是成长最快的地区，预计到2030年复合年增长率将达到10.4%。沙乌地阿拉伯的银行贷款余额预计将在2025年3月达到8,272亿美元，其符合伊斯兰教法的汽车贷款组合将达到两位数成长。政府的多元化政策优先考虑出行，刺激了个人贷款和经营租赁产品的需求。数位化程度正在加速提升，行动优先平台目前占海湾合作委员会（GCC）新车申请的35%。该地区的汽车金融业也受惠于人口结构的年轻化，超过55%的海湾合作委员会居民年龄在35岁以下，他们对灵活订阅模式的偏好正在重塑产品设计。

欧洲的法规环境正在改变。英国最高法院对未揭露费用行为的审查可能会改变经销商和贷款机构之间的经济关係，从而降低利差。将高价值电池组所有权与车辆所有权分开的电池租赁计划正在兴起，这有助于金融服务提供者降低残值风险。与金融合约挂钩的按公里付费保险在斯堪地那维亚越来越受欢迎，这表明远端资讯处理数据能够支持风险调整后的定价。

在南美和非洲，不断上升的政策利率和外汇波动对人们的负担能力构成挑战，但人工智慧驱动的替代信用评分正在释放新的借款人群体。在撒哈拉以南非洲地区，儘管分店基础设施薄弱，但行动货币的整合正在加速贷款发放。对于全球贷款机构而言，进入这些地区通常需要与当地小额信贷机构和通讯业者合作，创建混合融资结构，将风险分散到多个资本提供者。在汽车金融市场，我们预计叫车司机将更多地采用轻资产订阅车队，从而建立正式的信用记录，以支持未来的购车。

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

第一章 引言

  • 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 市场状况

  • 市场概况
  • 市场驱动因素
    • 线上汽车零售平台的激增推动了北美对即时数位借贷的需求
    • 欧洲二手车交易和认证二手车专案的成长将创造新的贷款量
    • 亚太地区电动车租赁和订阅模式的快速成长将推动专属式融资的采用
    • 政府报废汽车奖励和绿色金融补贴促进了中国和欧盟的汽车贷款发放
    • OEM 专属式在新兴市场拓展「先买后付」和灵活的气球支付产品
    • 利用替代数据和基于人工智慧的信用评分进入南美洲次级抵押贷款市场
  • 市场限制
    • 2023年起央行升息将挤压汽车贷款机构的净利差
    • 美国次级汽车贷款拖欠率上升，削弱了银行发放信贷的意愿
    • 印度和巴西的汽车贷款余额规定限制了贷款量
    • 在向电动车转型的过程中，内燃机汽车的折旧免税额风险正在破坏残值假设
  • 波特五力分析
    • 新进入者的威胁
    • 买方的议价能力
    • 供应商的议价能力
    • 替代品的威胁
    • 竞争对手之间的竞争强度

第五章市场规模及成长预测

  • 按类型
    • 新车
    • 二手车
  • 按来源类型
    • OEM专属式融资
    • 银行
    • 信用合作社
    • 非银行金融机构
  • 按车辆类型
    • 搭乘用车
    • 商用车
  • 按贷款产品
    • 贷款
    • 租
    • 一次付款
    • 订阅
  • 按地区
    • 北美洲
      • 美国
      • 加拿大
      • 北美其他地区
    • 南美洲
      • 巴西
      • 阿根廷
      • 南美洲其他地区
    • 欧洲
      • 德国
      • 英国
      • 法国
      • 义大利
      • 西班牙
      • 俄罗斯
      • 其他欧洲国家
    • 亚太地区
      • 中国
      • 日本
      • 印度
      • 韩国
      • 印尼
      • 越南
      • 菲律宾
      • 澳洲
      • 纽西兰
      • 其他亚太地区
    • 中东
      • 沙乌地阿拉伯
      • 阿拉伯聯合大公国
      • 土耳其
      • 其他中东地区
    • 非洲
      • 南非
      • 奈及利亚
      • 埃及
      • 其他非洲国家

第六章 竞争态势

  • 市场集中度
  • 策略倡议
  • 市占率分析
  • 公司简介
    • Bank of America Corp.
    • Ally Financial Inc.
    • Hitachi Capital Corp.
    • HDFC Bank Ltd.
    • Bank of China
    • Capital One Financial Corp.
    • Wells Fargo & Co.
    • Toyota Financial Services
    • BNP Paribas SA
    • Volkswagen Financial Services AG
    • Mercedes-Benz Financial Services
    • Standard Bank Group
    • Mahindra Finance Ltd.
    • Santander Consumer Finance
    • General Motors Financial Company, Inc.
    • Ford Motor Credit Co.
    • Mitsubishi UFJ Lease & Finance Ltd.
    • DBS Bank Ltd.
    • Hyundai Capital Ltd.

第七章 市场机会与未来展望

简介目录
Product Code: 49425

The automotive finance market stands at a current value of USD 325.62 billion in 2025 and is forecast to reach USD 471.83 billion by 2030, reflecting a healthy 7.7% CAGR over the 2025-2030 period.

Automotive Finance - Market - IMG1

Used-car financing, which already commands 53.40% of the automotive finance market, is growing at a rapid 9.2% pace and is set to remain the key growth engine through 2030. Digital origination platforms, heightened consumer appetite for flexible payment structures, and the continued electrification of vehicle fleets are together sustaining momentum even while benchmark rates remain elevated Lenders are responding by deepening analytics capabilities, widening risk-based pricing, and partnering with online auto-retail marketplaces to keep credit flowing. The ability to combine financing with value-added mobility services, such as subscription packages and battery leasing, is also becoming a decisive competitive lever for banks, OEM captives, and fintech entrants alike.

Global Automotive Finance Market Trends and Insights

Surging Online Auto-Retail Platforms Driving Instant Digital Financing

Digitized contracting volumes among dealers and lenders in North America surged year-on-year in 2024. Consumers now expect real-time credit approvals delivered inside a 10-minute online purchase journey, a dramatic acceleration from the 1-2-day turnaround common in 2023. Integrated rate-shopping widgets have heightened price transparency, squeezing margins for lenders that lack automated pricing tools. The trend is spreading to Europe, where multi-lender APIs have cut average time-to-funding by 48% in premium segments. For captive finance arms, embedding proprietary finance calculators inside OEM e-commerce portals is improving cross-selling of insurance and maintenance contracts, thereby lifting attachment rates and customer lifetime value.

Rising Used-Car Transactions Creating New Lending Volume

Certified pre-owned programs are reshaping consumer perceptions of second-hand vehicles, enabling lenders to offer loan-to-value ratios and rates closer to those on new cars. Kia's six-year bumper-to-bumper CPO warranty, for example, bolstered used-car penetration in the marque's U.S. portfolio by five percentage points in 2024 . In Europe, inventory normalization after supply-chain shocks has restored late-model availability, pushing the average financed ticket size for used vehicles up 14% year-on-year. As used-car marketplaces integrate instant finance offers, origination conversion improves because consumers can lock rates before visiting a dealership, thereby shortening the sales funnel and reducing loan abandonment rates.

Central-Bank Rate Hikes Compressing Net-Interest Margins

Policy rates in the United States remain in a 4.25-4.5% corridor as of May 2025 . The higher funding cost has squeezed lender spreads; new-auto loan balances at banks fell 3.4% in 2024. Credit unions, traditionally rate-competitive, cut long-term fixed offers for 72-month terms, nudging borrowers toward shorter tenors. Captive finance entities, cushioned by manufacturer incentives, absorbed part of the rate pressure to sustain showroom traffic, explaining their share gains. In Europe, the lagged pass-through of European Central Bank hikes is similarly dampening net-interest income, forcing originators to introduce tiered-rate structures that pass risk costs to lower-quality borrowers.

Other drivers and restraints analyzed in the detailed report include:

  1. Rapid Growth of EV Leasing & Subscription Models Catalyzing Finance Penetration
  2. Government Scrappage Incentives & Green-Finance Subsidies
  3. Rising Delinquency Rates Constraining Credit Appetite

For complete list of drivers and restraints, kindly check the Table Of Contents.

Segment Analysis

The used-vehicle slice of the automotive finance market generated 53.40% of the automotive finance market in 2024 and will continue to widen its lead because its 9.2% CAGR exceeds overall market growth. Certified pre-owned programs have mainstreamed warranty coverage, letting lenders treat near-new units more like prime-risk collateral. Digital marketplaces further amplify scale: integrated loan widgets on leading portals lift application-to-approval conversion by more than 30%. As a result, the automotive finance market size for the used-segment is projected to top USD 280 billion by 2030.

Affordability headwinds are steering some prime borrowers away from new vehicles; average new-car payments hit USD 742 early in 2025. To mitigate sticker shock, dealers are pitching longer-term loans and leasing packages. However, the proportion of negative-equity trade-ins is rising, complicating residual-value mathematics. Although the new-vehicle channel retains 46% share, its slower growth will compel lenders to refine risk-adjusted pricing and to consider bundled insurance products that protect resale values in a softening ICE resale environment.

Banks generated 46.50% of the automotive finance market size in 2024, yet captive finance arms are eroding that lead. Captives are forecast to post an 8.1% CAGR from 2025 to 2030 as they leverage purchase-journey integration and subsidized APR promotions. Volkswagen Financial Services alone wrote 10.3 million new contracts in 2024, boosting penetration to 34.1%. The automotive finance market share of credit unions hovers near 20%, helped by member loyalty and competitive pricing on used-vehicle loans.

Non-bank financial companies contribute the balance 15%, using alternative data to expand into thin-file demographics. Their low-overhead digital models cut origination expense by up to 40% versus branch-centric banks. Embedded-finance APIs also allow e-commerce players to launch branded auto-loan offerings rapidly, driving incremental volume. For traditional banks, cost-to-income ratios will remain under scrutiny, setting a strategic imperative to automate underwriting, streamline document workflows and partner with fintech specialists to stay relevant in the broader automotive finance industry.

The Automotive Finance Market Report is Segmented by Type (New Vehicle and Used Vehicle), Source Type (OEM Captive Finance, Banks, and More), Vehicle Type (Passenger Cars and Commercial Vehicles), Financing Product (Loan, Lease, and More), and Geography (North America, South America, and More). The Market Sizes and Forecasts are Provided in Terms of Value (USD).

Geography Analysis

Asia-Pacific retained 41.20% share of the automotive finance market in 2024 and remains the most influential region. China's EV boom, EVs captured nearly half of new-car sales in 2024, coupled with India's USD 50 billion EV-finance roadmap under the FAME scheme, ensures prolonged credit-demand growth. Digital-first underwriting, real-time bureau data, and AI-based fraud controls enable lenders to serve borrowers who previously lacked formal credit files. As governments expand scrappage incentives, loan volume elasticity is rising; a 10% rebate in China triggered a 14% jump in financed replacement purchases in just six months.

Auto-loan balances climbed to USD 1.66 trillion by Q4 2024, even as delinquency transitions reached 2.96%. Lenders are tightening credit tiers, boosting down-payment requests, and investing in predictive analytics to pre-empt charge-offs. The automotive finance market size in the United States nonetheless benefits from innovative fintech collaborations that shrink funding cycles and extend point-of-sale loan offers into online marketplaces. Captive lenders are bundling tele-maintenance subscriptions that send predictive service reminders, protecting collateral, and improving resale values.

The Middle East is the fastest-growing territory, projected to advance at a 10.4% CAGR to 2030. Saudi banking credit reached USD 827.2 billion in March 2025, with Shariah-compliant auto-loan portfolios expanding in double digits. Government diversification agendas prioritize mobility, sparking demand for both personal loans and operating-lease products. Digitalization levels are accelerating; mobile-first platforms now account for 35% of new auto applications in the Gulf. The automotive finance industry in the region also benefits from a young demographic, more than 55% of GCC citizens are under 35, whose preference for flexible subscription models is reshaping product design.

Europe region's regulatory environment is evolving; the UK Supreme Court's review of undisclosed commission practices could alter dealer-lender economics, potentially lowering rate spreads. Battery-lease programs that detach ownership of high-value packs from the vehicle are emerging, helping finance providers de-risk residual-value exposure. Scandinavia's embrace of pay-per-kilometre insurance tied to finance contracts illustrates how telematics data can underpin risk-adjusted pricing.

South America and Africa elevated policy rates and currency volatility pose affordability challenges, yet AI-driven alternative credit scoring is unlocking new borrower pools. Mobile money integration accelerates loan payments in sub-Saharan Africa, where branch infrastructure remains thin. For global lenders, entering these regions often requires partnering with local microfinance institutions or telco wallets, creating blended-finance structures that dilute risk across multiple capital providers. The automotive finance market is expected to see wider adoption of asset-light subscription fleets for ride-hail drivers, fostering formal credit histories that can support future personal-vehicle purchases.

  1. Bank of America Corp.
  2. Ally Financial Inc.
  3. Hitachi Capital Corp.
  4. HDFC Bank Ltd.
  5. Bank of China
  6. Capital One Financial Corp.
  7. Wells Fargo & Co.
  8. Toyota Financial Services
  9. BNP Paribas SA
  10. Volkswagen Financial Services AG
  11. Mercedes-Benz Financial Services
  12. Standard Bank Group
  13. Mahindra Finance Ltd.
  14. Santander Consumer Finance
  15. General Motors Financial Company, Inc.
  16. Ford Motor Credit Co.
  17. Mitsubishi UFJ Lease & Finance Ltd.
  18. DBS Bank Ltd.
  19. Hyundai Capital Ltd.

Additional Benefits:

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

TABLE OF CONTENTS

1 Introduction

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

2 Research Methodology

3 Executive Summary

4 Market Landscape

  • 4.1 Market Overview
  • 4.2 Market Drivers
    • 4.2.1 Surging Online Auto-Retail Platforms Driving Demand for Instant Digital Financing in North America
    • 4.2.2 Rising Used-Car Transactions and Certified Pre-Owned Programs in Europe Creating New Lending Volume
    • 4.2.3 Rapid Growth of EV Leasing and Subscription Models in Asia-Pacific Catalyzing Captive Finance Penetration
    • 4.2.4 Government Scrappage Incentives and Green-Finance Subsidies Accelerating Auto Loan Originations in China and EU
    • 4.2.5 OEM Captives Expanding Buy-Now-Pay-Later and Flexible Balloon Payment Products in Emerging Markets
    • 4.2.6 Alternative Data and AI-Based Credit Scoring Opening Sub-prime Borrower Segments in South America
  • 4.3 Market Restraints
    • 4.3.1 Central-Bank Rate Hikes Compressing Net Interest Margins for Auto Lenders Since 2023
    • 4.3.2 Rising Delinquency Rates in U.S. Sub-prime Auto Segment Constraining Banks' Credit Appetite
    • 4.3.3 Regulatory Caps on Vehicle Loan-to-Value Ratios in India and Brazil Limiting Financing Volumes
    • 4.3.4 Depreciation Risk of ICE Vehicles Undermining Residual Value Assumptions amid EV Shift
  • 4.4 Porter's Five Forces Analysis
    • 4.4.1 Threat of New Entrants
    • 4.4.2 Bargaining Power of Buyers
    • 4.4.3 Bargaining Power of Suppliers
    • 4.4.4 Threat of Substitutes
    • 4.4.5 Intensity of Competitive Rivalry

5 Market Size & Growth Forecasts (Value, USD)

  • 5.1 By Type
    • 5.1.1 New Vehicle
    • 5.1.2 Used Vehicle
  • 5.2 By Source Type
    • 5.2.1 OEM Captive Finance
    • 5.2.2 Banks
    • 5.2.3 Credit Unions
    • 5.2.4 Non-Bank Financial Institutions
  • 5.3 By Vehicle Type
    • 5.3.1 Passenger Cars
    • 5.3.2 Commercial Vehicles
  • 5.4 By Financing Product
    • 5.4.1 Loan
    • 5.4.2 Lease
    • 5.4.3 Balloon Payment
    • 5.4.4 Subscription
  • 5.5 By Geography
    • 5.5.1 North America
      • 5.5.1.1 United States
      • 5.5.1.2 Canada
      • 5.5.1.3 Rest of North America
    • 5.5.2 South America
      • 5.5.2.1 Brazil
      • 5.5.2.2 Argentina
      • 5.5.2.3 Rest of South America
    • 5.5.3 Europe
      • 5.5.3.1 Germany
      • 5.5.3.2 United Kingdom
      • 5.5.3.3 France
      • 5.5.3.4 Italy
      • 5.5.3.5 Spain
      • 5.5.3.6 Russia
      • 5.5.3.7 Rest of Europe
    • 5.5.4 Asia-Pacific
      • 5.5.4.1 China
      • 5.5.4.2 Japan
      • 5.5.4.3 India
      • 5.5.4.4 South Korea
      • 5.5.4.5 Indonesia
      • 5.5.4.6 Vietnam
      • 5.5.4.7 Philippines
      • 5.5.4.8 Australia
      • 5.5.4.9 New Zealand
      • 5.5.4.10 Rest of Asia-Pacific
    • 5.5.5 Middle East
      • 5.5.5.1 Saudi Arabia
      • 5.5.5.2 United Arab Emirates
      • 5.5.5.3 Turkey
      • 5.5.5.4 Rest of Middle East
    • 5.5.6 Africa
      • 5.5.6.1 South Africa
      • 5.5.6.2 Nigeria
      • 5.5.6.3 Egypt
      • 5.5.6.4 Rest of Africa

6 Competitive Landscape

  • 6.1 Market Concentration
  • 6.2 Strategic Moves
  • 6.3 Market Share Analysis
  • 6.4 Company Profiles (includes Global Level Overview, Market Level Overview, Core Segments, Financials as Available, Strategic Information, Market Rank/Share for Key Companies, Products and Services, SWOT Analysis, and Recent Developments)
    • 6.4.1 Bank of America Corp.
    • 6.4.2 Ally Financial Inc.
    • 6.4.3 Hitachi Capital Corp.
    • 6.4.4 HDFC Bank Ltd.
    • 6.4.5 Bank of China
    • 6.4.6 Capital One Financial Corp.
    • 6.4.7 Wells Fargo & Co.
    • 6.4.8 Toyota Financial Services
    • 6.4.9 BNP Paribas SA
    • 6.4.10 Volkswagen Financial Services AG
    • 6.4.11 Mercedes-Benz Financial Services
    • 6.4.12 Standard Bank Group
    • 6.4.13 Mahindra Finance Ltd.
    • 6.4.14 Santander Consumer Finance
    • 6.4.15 General Motors Financial Company, Inc.
    • 6.4.16 Ford Motor Credit Co.
    • 6.4.17 Mitsubishi UFJ Lease & Finance Ltd.
    • 6.4.18 DBS Bank Ltd.
    • 6.4.19 Hyundai Capital Ltd.

7 Market Opportunities & Future Outlook

  • 7.1 White-space & Unmet-Need Assessment