英国金融科技：市场占有率分析、产业趋势与统计、成长预测（2026-2031）

英国金融科技市场预计到 2026 年将达到 214.4 亿美元，高于 2025 年的 185.7 亿美元。

预计到 2031 年将达到 439.2 亿美元，2026 年至 2031 年的复合年增长率为 15.42%。

开放银行、即时支付和监管沙盒框架的普及，即便宏观经济的不确定性重塑了资金筹措格局，也正在扩大潜在需求。伦敦对创业投资依然具有吸引力，而曼彻斯特和爱丁堡等区域中心城市也不断拓展其专业领域。新兴银行正从成长阶段迈向获利阶段，嵌入式金融正在推动零售商与金融科技公司之间建立更深入的合作关係。科技的应用，尤其是人工智慧，正在支持经济高效的规模化发展，并推动英国金融科技市场持续保持两位数的成长。

英国金融科技市场趋势与洞察

开放银行监理加速了基于API的支付

到2024年，将有700万英国消费者积极使用开放银行服务，进而为第三方服务供应商提供标准化的API介面。强制性资料共用使帐户间交易量增加了30%，并使一些小众支付公司得以绕过传统卡组织。在金融行为监理局（FCA）的主导，监理政策的製定已将英国金融科技市场打造成为竞争主导创新的标竿。支付服务提供者目前正在整合即时支付和身份验证功能，从而降低商家费用，并促进各种嵌入式金融应用场景的实现。互通性的提升降低了客户转换方式的门槛，并加大了传统支付处理商面临的竞争压力。

英国脱欧后的监管沙盒吸引了全球参与者

自2016年以来，已有55家公司参与了FCA的监管沙盒，数位证券沙盒在2025年3月迎来了12家国际参与者。託管测试环境降低了合规成本并缩短了产品上市时间，吸引了来自新加坡和美国的公司。 2025年1月宣布的一项新的人工智慧测试走廊将扩大覆盖范围，涵盖演算法信贷承销和自主交易。 FCA与加拿大、澳洲和日本监管机构签署的跨境谅解备忘录简化了通行证流程，使英国金融科技市场稳固地成为寻求国际扩张的成长型公司的理想跳板。

英国GDPR和弹性法规增加云端合规成本

2025年3月全面落实业务弹性要求，需要对关键业务服务进行详细梳理，并进行严谨而又贴近实际的情境测试。使用超大规模云端服务供应商的金融科技公司需要证明其具备端到端的控制能力，这将导致审核频率增加和供应商管理成本上升。将于2025年1月生效的《数位业务弹性法案》将在英国GDPR义务的基础上，增加额外的ICT风险报告要求。中小企业面临着能力发展与合规之间的权衡，将改变英国金融科技市场的成本曲线。

细分市场分析

截至2025年，数位支付占英国金融科技市场的32.15%，而新银行预计将以19.18%的复合年增长率成长至2031年，成为成长最快的领域。 Revolut和Starling创纪录的盈利证明了规模化后业务单位经济效益的可行性。 Revolut于2024年7月获得英国银行牌照，旨在扩大存款融资利润率并加强产品交叉销售。随着区域信贷差距​​的扩大，中小企业的数位贷款正在加速发展。保险科技公司正在利用数据分析来改善核保流程，而数位投资则受益于人工智慧主导的投资组合视觉化。英格兰银行于2024年9月启动的人工智慧联盟正在推动各种提案领域的演算法创新，从而深化英国金融科技市场。

随着嵌入式金融合作伙伴的兴起，新银行的客户获取成本将会下降，这些合作伙伴会将帐户嵌入零售商的支付流程中。盈利的转捩点将与手续费和交换费收入的增加有关，例如来自加密货币交易的收入。另类贷款机构将利用开放银行数据，透过现金流审查来缩短中小企业的批准时间。财富科技公司将使零售投资更加普及，而保险科技公司将透过理赔自动化来提高客户满意度。总而言之，这些变化凸显了英国金融科技产业正在进行的结构性调整。

其他福利：

• Excel格式的市场预测（ME）表
• 分析师支持（3个月）

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 市场情势

• 市场概览
• 市场驱动因素
  • 开放银行监理加速英国基于API的支付创新
  • 英国脱欧后的监理沙盒吸引全球金融科技扩张
  • 全国范围内的快速支付和即时支付（RTP）基础设施将推动数位钱包的普及。
  • 伦敦金融服务人才储备和创业投资资金筹措将有助于金融科技公司扩大规模。
  • 英国地区银行规避风险，中小企业对替代融资的需求增加
  • 透过与零售商建立嵌入式金融合作关係，扩大消费者「先买后付」的普及率
• 市场限制
  • 英国金融行为监理局（FCA）加强对金融推广活动的审查，抑制了金融科技公司的行销支出。
  • 英国GDPR和业务永续营运法规导致云端合规成本不断上升
  • 诈骗的损失诈骗了消费者对新兴银行的信任。
  • 自2022年起，资金筹措和估值重置将导致后期金融科技资金筹措停滞不前。
• 价值/供应链分析
• 监管或技术环境
• 波特五力模型
  • 供应商的议价能力
  • 买方的议价能力
  • 新进入者的威胁
  • 替代品的威胁
  • 竞争对手之间的竞争
• 投资和资金筹措趋势分析

第五章 市场规模与成长预测

• 透过服务提案
  • 数位支付
  • 数字借贷和资金筹措
  • 数位投资
  • 保险科技
  • 新银行
• 最终用户
  • 零售
  • 公司
• 透过使用者介面
  • 行动应用
  • 网页/浏览器
  • POS/物联网设备

第六章 竞争情势

• 市场集中度
• 策略趋势
• 市占率分析
• 公司简介
  • Revolut Ltd
  • Monzo Bank Ltd
  • Wise plc
  • Starling Bank Ltd
  • Checkout.com
  • Zopa Bank Ltd
  • OakNorth Bank plc
  • Klarna Bank AB（UK Ops）
  • Stripe Payments UK Ltd
  • GoCardless Ltd
  • Atom Bank plc
  • Zepz
  • PaySafe Group Ltd
  • Tide Platform Ltd
  • Onfido Ltd
  • Soldo Ltd
  • Nutmeg Saving & Investment Ltd
  • Rapyd Financial Network（UK）
  • Funding Circle UK
  • PensionBee plc

第七章 市场机会与未来展望

United Kingdom fintech market size in 2026 is estimated at USD 21.44 billion, growing from 2025 value of USD 18.57 billion with 2031 projections showing USD 43.92 billion, growing at 15.42% CAGR over 2026-2031.

Open banking adoption, real-time payments, and a supportive regulatory sandbox framework are expanding addressable demand even as macro-uncertainty reshapes funding patterns. London retains its magnetic pull for venture capital, yet regional hubs in Manchester and Edinburgh are capturing specialized niches. Neobanks move from growth to profitability, while embedded finance deepens retailer-fintech partnerships. Technology adoption, especially artificial intelligence, underpins cost-efficient scale-ups and positions the United Kingdom fintech market for sustained double-digit growth.

United Kingdom Fintech Market Trends and Insights

Open Banking Regulations Accelerate API-Based Payments

Seven million UK consumers actively used open-banking services in 2024, unlocking standardized API access for third-party providers. Mandatory data-sharing spurred a 30% rise in account-to-account transactions and enabled niche payment firms to bypass incumbent card networks. The regulatory design, championed by the Financial Conduct Authority (FCA), positions the United Kingdom fintech market as a benchmark for competition-led innovation. Payment providers now integrate real-time settlement and identity verification, lowering merchant fees and fuelling broader embedded-finance use cases. Elevated interoperability also reduces customer switching friction, intensifying competitive pressure on legacy processors.

Post-Brexit Regulatory Sandboxes Attract Global Entrants

Since 2016, the FCA sandbox has admitted 55 firms, and the Digital Securities Sandbox opened to 12 additional international participants in March 2025. Controlled testing cuts compliance costs and time-to-market, drawing firms from Singapore and the United States. A new AI-testing corridor, announced in January 2025, broadens the scope to algorithmic underwriting and autonomous trading. Cross-border memoranda between the FCA and Canadian, Australian, and Japanese regulators streamline passporting, thereby anchoring the United Kingdom fintech market as a launchpad for multi-jurisdictional scale-ups.

Rising Cloud-Compliance Costs Under UK GDPR and Resilience Rules

Full implementation of operational-resilience mandates by March 2025 requires granular mapping of important business services and severe-but-plausible scenario tests. Fintechs leveraging hyperscale cloud providers must evidence end-to-end controls, increasing audit frequency, and vendor-management expense. The Digital Operational Resilience Act, effective January 2025, layers additional ICT-risk reporting on top of UK GDPR obligations. Smaller firms face trade-offs between feature development and compliance, changing cost curves across the United Kingdom fintech market.

Other drivers and restraints analyzed in the detailed report include:

1. Nationwide Faster Payments & RTP Infrastructure Boost Digital Wallet Uptake
2. London Talent Pool and Venture Capital Density Catalyze Scale-Ups
3. Digital Fraud and APP-Scam Losses Dent Consumer Trust

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

Segment Analysis

Digital Payments retained 32.15% of the United Kingdom fintech market size in 2025, yet Neobanking posted the fastest outlook with a 19.18% CAGR to 2031. Record profitability at Revolut and Starling demonstrates viable unit-economics once scale is reached. Revolut secured a UK banking licence in July 2024, expanding deposit-funded margins and improving product cross-sell. Digital Lending to SMEs accelerates as regional credit gaps broaden. Insurtech deploys data analytics to refine underwriting, while Digital Investments benefit from AI-led portfolio visualization. The Bank of England's AI Consortium, launched in September 2024, catalyzes algorithmic innovation across propositions, adding depth to the United Kingdom fintech market.

Customer acquisition costs for neobanks fall as embedded-finance partners bundle accounts inside retail checkout journeys. Profitability inflection points align with higher interchange income and fee-based revenues, such as crypto trading. Alternative lenders leverage open-banking data for cash-flow underwriting, cutting decision times for SMEs. Wealth-tech providers democratize fractional investing, while Insurtech firms automate claims, raising user satisfaction. Collectively, these shifts underline the structural re-rating occurring in the United Kingdom fintech industry.

The United Kingdom Fintech Market is Segmented by Service Proposition (Digital Payments, Digital Lending and Financing, Digital Investments, Insurtech, and Neobanking), by End-User (Retail and Businesses), and by User Interface (Mobile Applications, Web / Browser, and POS / IoT Devices). The Market Forecasts are Provided in Terms of Value (USD).

List of Companies Covered in this Report:

1. Revolut Ltd
2. Monzo Bank Ltd
3. Wise plc
4. Starling Bank Ltd
5. Checkout.com
6. Zopa Bank Ltd
7. OakNorth Bank plc
8. Klarna Bank AB (UK Ops)
9. Stripe Payments UK Ltd
10. GoCardless Ltd
11. Atom Bank plc
12. Zepz
13. PaySafe Group Ltd
14. Tide Platform Ltd
15. Onfido Ltd
16. Soldo Ltd
17. Nutmeg Saving & Investment Ltd
18. Rapyd Financial Network (UK)
19. Funding Circle UK
20. PensionBee plc

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 Open Banking Regulations Accelerating API-Based Payment Innovation in UK
  • 4.2.2 Post-Brexit UK Regulatory Sandboxes Attracting Global Fintech Expansion
  • 4.2.3 Nationwide Faster Payments & RTP Infrastructure Boosting Digital Wallet Adoption
  • 4.2.4 London's FinServ Talent Pool & VC Funding Density Catalyzing Fintech Scale-ups
  • 4.2.5 SME Demand for Alternative Lending Amid Bank De-Risking in UK Regions
  • 4.2.6 Embedded Finance Partnerships with Retailers Scaling Consumer BNPL Penetration
• 4.3 Market Restraints
  • 4.3.1 Heightened FCA Scrutiny on Financial Promotions Limiting Fintech Marketing Spend
  • 4.3.2 Rising Cloud Compliance Costs under UK GDPR & Operational Resilience Rules
  • 4.3.3 Digital Fraud & APP-Scam Losses Eroding Consumer Trust in Neobanks
  • 4.3.4 Funding Contraction Post-2022 Valuation Reset Stalling Late-Stage Fintech Rounds
• 4.4 Value / Supply-Chain Analysis
• 4.5 Regulatory or Technological Outlook
• 4.6 Porter's Five Forces
  • 4.6.1 Bargaining Power of Suppliers
  • 4.6.2 Bargaining Power of Buyers
  • 4.6.3 Threat of New Entrants
  • 4.6.4 Threat of Substitutes
  • 4.6.5 Intensity of Competitive Rivalry
• 4.7 Investment & Funding Trend Analysis

5 Market Size & Growth Forecasts (Value, USD)

• 5.1 By Service Proposition
  • 5.1.1 Digital Payments
  • 5.1.2 Digital Lending and Financing
  • 5.1.3 Digital Investments
  • 5.1.4 Insurtech
  • 5.1.5 Neobanking
• 5.2 By End-User
  • 5.2.1 Retail
  • 5.2.2 Businesses
• 5.3 By User Interface
  • 5.3.1 Mobile Applications
  • 5.3.2 Web / Browser
  • 5.3.3 POS / IoT Devices

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 & Services, and Recent Developments)
  • 6.4.1 Revolut Ltd
  • 6.4.2 Monzo Bank Ltd
  • 6.4.3 Wise plc
  • 6.4.4 Starling Bank Ltd
  • 6.4.5 Checkout.com
  • 6.4.6 Zopa Bank Ltd
  • 6.4.7 OakNorth Bank plc
  • 6.4.8 Klarna Bank AB (UK Ops)
  • 6.4.9 Stripe Payments UK Ltd
  • 6.4.10 GoCardless Ltd
  • 6.4.11 Atom Bank plc
  • 6.4.12 Zepz
  • 6.4.13 PaySafe Group Ltd
  • 6.4.14 Tide Platform Ltd
  • 6.4.15 Onfido Ltd
  • 6.4.16 Soldo Ltd
  • 6.4.17 Nutmeg Saving & Investment Ltd
  • 6.4.18 Rapyd Financial Network (UK)
  • 6.4.19 Funding Circle UK
  • 6.4.20 PensionBee plc

7 Market Opportunities & Future Outlook

• 7.1 White-space & Unmet-Need Assessment