市场调查报告书
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1475034
全球金融科技市场评估:依部署方法、依技术、依应用、依最终用户、依地区、机会、预测(2017-2031)Fintech Market Assessment, By Deployment Mode, By Technology, By Application, By End-user, By Region, Opportunities, and Forecast, 2017-2031F |
全球金融科技市场规模预计将从 2023 年的 2,510.4 亿美元增至 2031 年的 5,997.1 亿美元,预计 2024-2031 年的复合年增长率为 11.5%。 金融科技,也称为fintech,是将新的技术突破应用于金融产品和服务,以改善和自动化金融服务的提供和使用。 多种因素促进了全球金融科技市场的成长,包括对线上支付方式的需求增加、更广泛的数位支付选项的推出、技术创新、合作伙伴关係的增加以及政府举措。
全球范围内互联网的普及、智慧型手机拥有量的增加以及数位货币的接受度不断提高,正在改变全球金融科技市场。 根据《2023 年上半年金融科技脉动》报告,美洲金融科技融资总额从 2022 年下半年的 289 亿美元跃升至 2023 年上半年的 360 亿美元。 2023 年上半年,各金融科技次类别的融资金额显着增加。 截至年中,专门从事物流和供应链管理的金融科技公司已筹集82亿美元,超过去年总额。 此外,注重 ESG 的金融科技公司获得了 17 亿美元的融资,超过了 2022 年的融资总额。
保险科技、监管科技和支付服务等金融科技近年来不断发展,每项都利用了专门针对特定业务或行业的尖端技术。 如今,金融科技业务已不仅仅是一种趋势,公司策略的执行程度也变得越来越重要。 金融科技业的技术成分不断扩大。 区块链、应用程式介面 (API)、机器人流程自动化和数据分析等技术正在迅速利用,以提高敏捷性、效率和准确性。
广泛的数位支付选项
疫情期间金融便利性的提高促使数位支付的扩张和全球基础金融机构的发展。 现金替代、请求支付、BNPL(先买后付)和数位货币服务等新型支付方式都为金融科技市场的成长创造了新的机会。 数位支付提供了更快、更有效率、更安全的转帐和交易方式,重塑了金融科技产业。 UPI(统一支付介面)是印度国家支付公司 (NPCI) 的数位支付铁路,处理全球 40% 的即时支付。
金融服务科技创新
新兴技术使银行、保险公司和其他金融服务公司能够升级其营运并找到不同的方式来服务客户。 运算能力、密码学、大数据、人工智慧的进步、区块链和加密货币的投资、改进的行动存取以及更快的互联网速度正在金融业务的多个领域创造新的应用程式。 技术创新的例子包括提供信贷的新方法、投资建议、保险定价,以及更广泛的将资金从储户和投资者转移到借款人的方法。 支持金融机构高效运作的技术创新之一是 有机器人流程自动化(RPA)。 聊天机器人提供即时回应和快速解决投诉,带来个人银行体验。 2023年区块链领域占据最大市场占有率。
本报告研究和分析了全球金融科技市场,提供市场规模和预测、市场动态以及主要参与者的现状和前景。
The Global fintech market is projected to witness a CAGR of 11.5% during the forecast period 2024-2031, growing from USD 251.04 billion in 2023 to USD 599.71 billion by 2031. Financial technology, also known as Fintech, is the application of new technical breakthroughs into financial products and services to improve and automate the delivery and usage of financial services. Multiple factors are contributing to the growth of the global fintech market such as increasing demand for online payment methods, introduction of a wide range of digital payment options, technological innovations, increasing partnerships, and government schemes.
Increasing internet penetration and smartphone ownership throughout the world, as well as the growing acceptance of digitized currencies, are transforming the global fintech market. According to the Pulse of Fintech H1 2023, total fintech funding in the Americas surged from USD 28.9 billion in H2 2022 to reach USD 36 billion in H1 2023. In the H1 of 2023, various fintech subcategories experienced significant levels of funding. By mid-year, the funding for fintech companies specializing in logistics and supply chain management surpassed all Previous yearly totals, reaching USD 8.2 billion. Additionally, ESG-focused fintech companies received USD 1.7 billion in funding, exceeding the total amount raised in 2022.
Insurtech, Regtech, payment services, and other varieties of fintech have evolved in recent years, each utilizing cutting-edge technology specialized in certain tasks or industries. Now as the FinTech business is more than a trend, the level of execution accomplished in companies' strategies is becoming increasingly important. The FinTech industry's technological component is continuously expanding. Blockchain, Application Programming Interface (API), robotic process automation, data analytics, and other technologies are rapidly being used to enable increased agility, efficiency, and accuracy.
Wide Range of Digital Payment Options
Financial accessibility increased during the pandemic, resulting in the growth of digital payments and the development of basic financial institutions around the globe. Novel payment methods such as cash replacement, request to pay, buy now, pay later (BNPL), and digital currency services have all generated new opportunities for the growth of the FinTech market. Digital payments have restructured the fintech industry by providing faster, more efficient, and more secure ways to transfer money and make transactions. The National Payments Corporation of India's (NPCI) digital payments railroad, Unified Payments Interface (UPI), is processing 40% of the global real-time payments.
Technological Innovations in Financial Services
New technologies have enabled banks, insurers, and other financial services firms to upgrade their operations and find different ways of serving their clients. Computing power, cryptography, big data, advancement in AI, investments in blockchain and cryptocurrency, improved mobile access, and increasing internet speed are creating new applications in several areas of the financial business. A few examples of technological innovations are novel ways of loan extension, investment advice, insurance pricing, and more broadly, how money is transferred from savers/investors to borrowers. One area of innovation helping FIs to become efficient and effective is robotic process automation (RPA). Chatbots provide instant responses and quick complaint resolution, triggering personal banking experience. The blockchain segment held the largest share of the market in 2023.
Government schemes
Governments around the world are increasingly recognizing the importance of fintech for their economies and are implementing various schemes and incentives to support the growth of the fintech market. Tax incentives, grant programs, innovation hubs, and talent development programs are being introduced by governments. Policymakers around the world are developing regulatory sandboxes to encourage finance industry innovation while keeping an eye on potential threats. Regulatory sandboxes allow fintech companies to test innovative products and services in a controlled environment. It helps in reducing the time and costs associated with regulatory compliance. In India, FinTech sector unveils a promising landscape with USD 12 billion (INR 1 lakh crore) fund offering 50-year interest-free loans for tech-driven growth, fostering creativity and potentially intensifying competition in lending.
Cloud to Dominate the Market Share as the Mode of Deployment
The cloud sector leads with the largest share of the global fintech market and is projected to maintain its dominance in the foreseeable future. It is primarily due to the scalability and cost-effectiveness of cloud solutions, which enable fintech companies to swiftly expand their operations. The ability to adjust to varying workloads and the potential for cost reduction further reinforces the prevalence of cloud development.
Conversely, the on-premises sector is expected to experience robust growth during the forecast period. On-premises deployment, where software and infrastructure are hosted internally within a company's data centers, has traditionally been favored by some financial institutions due to security and control considerations. While on-premises solutions offer extensive customization and control, they may encounter challenges in terms of scalability, upfront expenses, and agility when compared to cloud alternatives.
Future Market Scenario (2024 - 2031F)
The global fintech market is projected to witness sustainable growth in the upcoming years as it is driven by the increasing adoption of digital financial services and technological advancements.
Fintech companies are expected to expand their presence into emerging markets, tapping into the growing demand for innovative financial solutions in regions with developing economies.
The fintech industry is likely to face evolving regulatory landscapes, requiring companies to adapt to changing compliance requirements and standards to ensure sustainable growth.
With the rise of digital transactions and data sharing, cybersecurity will remain a top priority for fintech firms, leading to investments in robust security measures to protect customer information and financial assets.
Key Players Landscape and Outlook
In 2023, the fintech sector witnessed notable collaborations driving the market growth. For instance, PayPal partnered with a leading AI company to enhance fraud detection in digital transactions, contributing to increased security and customer trust. Additionally, joined forces with a major cryptocurrency exchange to enable seamless integration of crypto payments for small businesses expanding access to innovative financial solutions. These collaborations exemplify the ongoing synergy between fintech players, shaping the industry's trajectory for the future.
All segments will be provided for all regions and countries covered