首页 > 市场调查报告书 > 通讯

金融科技

市场调查报告书

商品编码

1447822

金融科技贷款全球市场规模、份额、成长分析、按类型、按应用划分 - 2024-2031 年产业预测

Global Fintech Lending Market Size, Share, Growth Analysis, By By Type(P2P Business Lending, P2P Consumer Lending), By By Application(Private Lending, Company Lending) - Industry Forecast 2024-2031

出版日期: 2024年02月28日 | 出版商:

SkyQuest | 英文 157 Pages | 商品交期: 3-5个工作天内

价格

简介目录

2022年全球金融科技贷款市场规模将为7,142.9亿美元，预测期间（2024-2031年）复合年增长率为27.4%，从2023年的9100.1亿美元到2031年。预计2019年将增长至63154.1亿美元。

除传统银行业务外，全球金融科技借贷市场还涉及透过数位平台提供贷款和信贷等金融服务。在过去的十年中，这个市场经历了显着的成长和重大的转变。市场创新彻底改变了世界各地个人和企业获得资金筹措的方式。工业公司使这些行业的资金筹措变得更加容易和便利。与耗时且繁琐的传统方法不同，金融科技贷款允许借款人透过行动应用程式和线上平台轻鬆申请贷款。这些因素是市场扩张的主要驱动力。金融科技贷款使用资料分析和人工智慧 (AI) 来评估信用度，使个人和小型企业的贷款流程变得更加简单。P2P（P2P）借贷平台在这个市场中特别突出，允许个人直接借贷而无需中介。这种直接方法简化了贷款流程，为借款人提供有竞争力的利率，为投资者提供有吸引力的回报。在 COVID-19 大流行期间，随着企业和个人寻求快速且方便的财务援助，金融科技贷款的采用激增。甚至中央银行和政府也认识到这个市场的好处，金融科技贷款机构在有效分配奖励策略资金方面发挥关键作用。

市场概况
北美洲
- 美国
- 加拿大
欧洲
- 德国
- 西班牙
- 法国
- 英国
- 其他欧洲国家地区
亚太地区
- 中国
- 印度
- 日本
- 韩国
- 其他亚太地区
拉丁美洲
- 巴西
- 其他拉丁美洲地区
中东和非洲 (MEA)
- 海湾合作委员会国家
- 南非
- 其他中东/非洲地区

竞争格局

前5名企业对比
主要企业市场定位（2021年）
主要市场参与者所采取的策略
关键成功策略
近期市集活动
主要企业市场占有率（2021年）

主要企业简介

Avant（USA）
Kabbage（USA）
Funding Circle（UK）
Funding Societies（Singapore）
Prosper Marketplace（USA）
LendingClub（USA）
OnDeck（USA）
Qudian（China）
SoFi（USA）
Zopa（UK）
Upgrade（USA）
Yirendai（China）
LendInvest（UK）
Affirm（USA）
Lufax（China）
GreenSky（USA）
Fellow Finance（Finland）
Mintos（Latvia）
Kreditech（Germany）
FundingSecure（UK）
Klarna（Sweden）
Adyen（Netherlands）
CommonBond（USA）
Upstart（USA）
SoFi（USA）

简介目录

Product Code: SQMIG40C2002

Global Fintech Lending Market size was valued at USD 714.29 Billion in 2022 and is poised to grow from USD 910.01 Billion in 2023 to USD 6315.41 Billion by 2031, at a CAGR of 27.4% during the forecast period (2024-2031).

The global fintech lending market involves the provision of financial services, such as loans and credit, through digital platforms separate from traditional banking operations. Over the past decade, this market has experienced significant growth and has undergone notable transformations. Innovations in the market have revolutionized the way individuals and businesses worldwide access funding. Industry players have made funding more accessible and convenient for these sectors. Unlike traditional methods that are time-consuming and labor-intensive, fintech lending allows borrowers to apply for loans easily through mobile apps or online platforms. These factors have been key drivers of market expansion. Fintech lenders rely on data analytics and Artificial Intelligence (AI) to assess creditworthiness, making the financing process simpler for individuals and small businesses. Peer-to-peer (P2P) lending platforms are particularly prominent in this market, enabling individuals to lend and borrow money directly without intermediaries. This direct approach has streamlined lending processes and offers competitive interest rates for borrowers, as well as attractive returns for investors. The adoption of fintech lending surged during the COVID-19 pandemic, as firms and individuals sought quick and accessible financial assistance. Even central banks and governments recognized the benefits of this market, with fintech lenders playing a vital role in efficiently distributing stimulus funds.

Top-down and bottom-up approaches were used to estimate and validate the size of the Global Fintech Lending and to estimate the size of various other dependent submarkets. The research methodology used to estimate the market size includes the following details: The key players in the market were identified through secondary research, and their market shares in the respective regions were determined through primary and secondary research. This entire procedure includes the study of the annual and financial reports of the top market players and extensive interviews for key insights from industry leaders such as CEOs, VPs, directors, and marketing executives. All percentage shares split, and breakdowns were determined using secondary sources and verified through Primary sources. All possible parameters that affect the markets covered in this research study have been accounted for, viewed in extensive detail, verified through primary research, and analysed to get the final quantitative and qualitative data.

Global Fintech Lending Market Segmental Analysis

The market is split into Private Lending and Company Lending, among others, based on Application. Division of market by type gives us the P2P Business Lending and P2P Consumer Lending segments, among others. The main market regions are Europe, Asia Pacific, North America, Latin America, and Middle East and Africa.

Drivers of the Global Fintech Lending Market

The fintech lending market has been significantly shaped by widespread internet and smartphone usage, as well as advancements in digital technology. Fintech platforms have created online channels for consumers to easily access financial services. Both individuals and businesses can now manage loan applications and receive approvals online. These platforms offer quicker processing times compared to traditional banks, thanks to their streamlined and user-friendly interfaces.

Fintech lenders have developed faster and more convenient methods for assessing creditworthiness and making lending decisions. They utilize advanced data analytics and AI algorithms for this purpose. These technologies enable the analysis of vast amounts of data, including non-traditional sources such as social media, transaction history, psychometric data, and digital footprints. This comprehensive data analysis ensures more accurate risk assessment. AI-driven underwriting models have expanded the market's customer base by offering loans to individuals and small and medium-sized enterprises (SMEs) that may have been overlooked or underserved by traditional financial institutions.

Restraints in the Global Fintech Lending Market

The fintech lending industry is subject to scrutiny from various regulatory standards that vary from one jurisdiction to another. Navigating these complex and differing sets of rules can be challenging and time-consuming for fintech lenders. Compliance with these intricate standards can pose difficulties, especially considering the varying consumer protection laws and lending approval processes across jurisdictions. Fintech lending companies may face challenges in conducting their daily operations and expanding their business plans amidst these evolving regulations.

Lending financial resources to individuals and businesses with limited or no credit history can be risky. While fintech lenders have developed advanced algorithms to assess credit risk, there is still a margin for error. High credit risk and default rates can negatively impact the profit margins of these platforms. Additionally, unpredictable economic conditions, such as the COVID-19 pandemic, can lead to an increase in default rates, presenting a significant risk to the growth of the fintech lending market.

Market Trends of the Global Fintech Lending Market

Expansion of Online and Digital Lending Platforms: Fintech lending platforms have gained widespread popularity globally due to their high level of convenience and accessibility. These online platforms utilize modern technology, such as data analytics, to streamline and accelerate the lending process. Individuals and businesses now have the ability to access a variety of financial services through mobile apps and websites, including applying for and receiving loan approvals and funds online. The speed and convenience of digital platforms have driven consumer preference towards these methods, leading to the growth of this trend.

Focus on Alternative Credit Scoring: Traditional lenders rely heavily on traditional credit scoring models, such as FICO scores, to assess a borrower's creditworthiness and make lending decisions. In contrast, fintech lenders have developed and implemented alternative credit scoring methods. By analyzing psychometric data, digital footprints, social media activity, and transaction history, they create a comprehensive risk profile for each borrower. This approach allows individuals with limited or no credit history to access financial services. The inclusive nature of these offerings by fintech lenders has expanded the overall market.

Executive Summary

Market Overview
Wheel of Fortune

Research Methodology

Information Procurement
Secondary & Primary Data Sources
Market Size Estimation
Market Assumptions & Limitations

Parent Market Analysis

Market Overview
Market Size
Market Dynamics
- Drivers
- Opportunities
- Restraints
- Challenges

Key Market Insights

Technology Analysis
Pricing Analysis
Supply Chain Analysis
Value Chain Analysis
Ecosystem of the Market
IP Analysis
Trade Analysis
Startup Analysis
Raw Material Analysis
Innovation Matrix
Pipeline Product Analysis
Macroeconomic Indicators
Top Investment Analysis
Key Success Factor
Degree of Competition

Market Dynamics & Outlook

Market Dynamics
- Drivers
- Opportunities
- Restraints
- Challenges
Regulatory Landscape
Porters Analysis
- Competitive rivalry
- Threat of Substitute Products
- Bargaining Power of Buyers
- Threat of New Entrants
- Bargaining Power of Suppliers
Skyquest Special Insights on Future Disruptions
- Political Impact
- Economic Impact
- Social Impact
- Technical Impact
- Environmental Impact
- Legal Impact

Global Fintech Lending Market by By Type

Market Overview
P2P Business Lending
P2P Consumer Lending
Others

Global Fintech Lending Market by By Application

Market Overview
Private Lending
Company Lending
and Others

Global Fintech Lending Market Size by Region

Market Overview
North America
- USA
- Canada
Europe
- Germany
- Spain
- France
- UK
- Rest of Europe
Asia Pacific
- China
- India
- Japan
- South Korea
- Rest of Asia-Pacific
Latin America
- Brazil
- Rest of Latin America
Middle East & Africa (MEA)
- GCC Countries
- South Africa
- Rest of MEA

Competitive Landscape

Top 5 Player Comparison
Market Positioning of Key Players, 2021
Strategies Adopted by Key Market Players
Top Winning Strategies
- By Development
- By Company
- By Year
Recent Activities in the Market
Key Companies Market Share (%), 2021

Key Company Profiles

Avant (USA)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Kabbage (USA)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Funding Circle (UK)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Funding Societies (Singapore)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Prosper Marketplace (USA)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
LendingClub (USA)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
OnDeck (USA)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Qudian (China)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
SoFi (USA)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Zopa (UK)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Upgrade (USA)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Yirendai (China)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
LendInvest (UK)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Affirm (USA)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Lufax (China)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
GreenSky (USA)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Fellow Finance (Finland)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Mintos (Latvia)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Kreditech (Germany)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
FundingSecure (UK)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Klarna (Sweden)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Adyen (Netherlands)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
CommonBond (USA)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
Upstart (USA)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments
SoFi (USA)
- Company Overview
- Business Segment Overview
- Financial Updates
- Key Developments