查看购物车
  • Traditional Chinese
  • English
  • Japanese
  • Korean
封面
市场调查报告书
商品编码
1818091

全球机器人咨询市场：未来预测（至 2032 年）—按经营模式、服务类型、提供者、最终用户和地区进行分析

Robo-Advisory Market Forecasts to 2032 - Global Analysis By Business Model, Service Type, Provider, End User and By Geography
出版日期: | 出版商: Stratistics Market Research Consulting | 英文 200+ Pages | 商品交期: 2-3个工作天内

价格

根据 Stratistics MRC 的数据，全球机器人咨询市场预计在 2025 年达到 84.5 亿美元，到 2032 年将达到 478.5 亿美元，预测期内的复合年增长率为 28.1%。

机器人顾问平台利用演算法和人工智慧，提供自动化、低成本的投资管理服务，无需人工理财顾问。这些服务包括根据个人风险状况和投资目标建立投资组合、进行资产配置、资产再平衡和税务最佳化。机器人顾问透过降低费用和最低投资要求，让个人投资者也能轻鬆进行资产管理，从而实现资产管理的民主化。即时数据分析和预测模型有助于高效决策。在投资者行为和数位化应用趋势不断变化的背景下，对价格合理、透明且易于使用的金融服务的需求正在推动市场成长。

自营投资者的崛起

受金融知识水准提升和对独立投资决策偏好日益增长的推动，自营投资者的崛起是机器人顾问市场的主要驱动力。千禧世代和精通科技的个人尤其青睐自动化、低成本的投资解决方案，这些解决方案提供演算法主导的投资组合管理，无需传统财务顾问的协助。此外，数位平台的便利性和可近性也有助于提高采用率。此外，经济不确定性和市场波动加速了对高效风险管理工具的需求，例如机器人顾问提供的工具。这些平台能够即时调整投资组合併提供数据主导的洞察，进一步推动市场扩张。

对演算法透明度的担忧

投资人往往对机器人咨询平台不透明的决策流程心存疑虑。驱动投资策略的专有演算法通常缺乏清晰的揭露，这引发了那些要求课责和风险管理理解的用户的信任问题。此外，全球法律规范并不一致，在合规要求和消费者保护方面造成了不确定性。此外，对演算法偏差及其在极端市场条件下表现的担忧正在削弱投资者信心。

与数位银行平台整合

随着传统银行日益拥抱数位转型，将机器人咨询服务融入其生态系统可以增强客户参与并扩大服务范围。这种整合实现了将银行服务与自动化投资解决方案相结合的无缝财务管理。此外，金融科技Start-Ups与成熟金融机构之间的伙伴关係促进了产品创新和市场渗透。此外，透过行动银行应用程式提供机器人咨询解决方案，可让客户方便地存取并即时监控投资组合。

与传统财富管理公司的竞争

现有的金融顾问公司拥有强大的客户关係、品牌信任度和专业知识，这使得自动化平台难以完全取代它们，尤其是在高净值投资者群体中。此外，将人工顾问与自动化解决方案结合的混合模式正变得越来越普遍，进一步模糊了市场界限。技术的快速进步也使得平台需要持续升级，这需要大量的投资。资料隐私和网路安全威胁也十分严峻，资料外洩可能会损害消费者的信任。此外，景气衰退可能会减少投资流量，并限制机器人顾问的成长。

COVID-19的影响：

由于封锁和保持社交距离措施限制了传统金融咨询服务的获取，新冠疫情加速了机器人顾问解决方案的普及。投资者越来越多地寻求投资组合管理的数位化替代方案，从而推动了短期市场成长。此外，疫情期间市场波动加剧，凸显了对自动化风险调整策略的需求，并强化了机器人顾问的价值提案。然而，初期的挑战包括市场不确定性加剧影响了演算法效能，以及对客户支援的需求增加。此外，经济动盪导致一些投资者撤资或减少投资活动。整体而言，疫情成为财富管理数位转型的催化剂，并凸显了自动化顾问平台的策略重要性。

混合型机器人顾问市场预计将成为预测期内最大的市场

混合型机器人顾问预计将在预测期内占据最大的市场份额。混合型机器人顾问将演算法主导的投资管理与人工咨询支援相结合，提供均衡的解决方案，满足投资者的广泛需求。这种方法既吸引精通科技的个人，也吸引寻求个人化建议的个人，弥合了全自动和传统咨询服务之间的差距。此外，透过整合人工判断，混合模式解决了人们对演算法透明度的担忧，并增强了投资者的信任。此外，具有竞争力的价格和更好的用户体验正在推动其进一步普及。

预计银行和信用合作社部门在预测期内的复合年增长率最高

预计银行和信用合作社领域将在预测期内实现最高成长率。随着金融机构积极拥抱数位转型，将机器人咨询服务纳入其客户服务体係正成为一项策略重点。这将使银行和信用合作社能够在传统银行服务之外提供自动化投资解决方案，从而增强客户参与和交叉销售机会。此外，鼓励数位金融服务的监管规定将进一步推动该领域的成长。此外，与独立的机器人顾问公司相比，银行的信任度和现有基本客群降低了采用该服务的门槛。

占比最大的地区：

预计北美将在预测期内占据最大的市场份额。该地区的主导地位归功于其成熟的金融服务业、较早采用金融科技以及先进的数位基础设施。尤其是美国，由于其较高的投资者认知度、智慧型手机普及率以及支持金融服务创新的法律规范，占据领先地位。此外，总部位于北美的领先机器人咨询公司的存在增强了其市场领导地位。此外，消费者对低成本自动化投资解决方案的需求补充了该地区强大的技术生态系统。

复合年增长率最高的地区：

预计亚太地区在预测期内的复合年增长率最高。快速的经济成长、日益增强的数位化以及日益增长的金融包容性，正在推动印度、中国和东南亚国家等新兴市场对自动化投资解决方案的需求。此外，蓬勃发展的中产阶级和精通科技的年轻一代正在推动自动化投资解决方案的采用。此外，金融科技创新和对数位银行的监管支持正在进一步加速市场扩张。一些国家传统财富管理服务的存在感有限，为机器人顾问填补这一空白创造了机会。

提供免费客製化：

此报告的订阅者可以使用以下免费自订选项之一：

  • 公司简介
    • 全面分析其他市场参与者（最多 3 家公司）
    • 主要企业的SWOT分析（最多3家公司）
  • 区域细分
    • 根据客户兴趣对主要国家进行的市场估计、预测和复合年增长率（註：基于可行性检查）
  • 竞争基准化分析
    • 根据产品系列、地理分布和策略联盟对主要企业基准化分析

目录

第一章执行摘要

第 2 章 简介

  • 概述
  • 相关利益者
  • 分析范围
  • 分析方法
    • 资料探勘
    • 数据分析
    • 数据检验
    • 分析方法
  • 分析材料
    • 主要研究资料
    • 二手研究资讯来源
    • 先决条件

第三章市场走势分析

  • 驱动程式
  • 抑制因素
  • 市场机会
  • 威胁
  • 最终用户分析
  • 新兴市场
  • COVID-19的感染疾病

第四章 波特五力分析

  • 供应商的议价能力
  • 买方议价能力
  • 替代产品的威胁
  • 新参与企业的威胁
  • 企业之间的竞争

第五章 全球机器人咨询市场（依经营模式）

  • 纯机器人顾问
  • 混合机器人顾问

6. 全球机器人咨询市场（依服务类型）

  • 投资顾问
  • 资产管理
  • 退休计划
  • 税收损失收穫

7. 全球机器人咨询市场（依提供者）

  • 金融科技公司
  • 银行和信用合作社
  • 传统资产管理公司

8. 全球机器人咨询市场（依最终用户划分）

  • 个人投资者
  • 高净值人士（HNWI）
  • 中小企业、企业融资

9. 全球机器人咨询市场（按地区）

  • 北美洲
    • 美国
    • 加拿大
    • 墨西哥
  • 欧洲
    • 德国
    • 英国
    • 义大利
    • 法国
    • 西班牙
    • 其他欧洲国家
  • 亚太地区
    • 日本
    • 中国
    • 印度
    • 澳洲
    • 纽西兰
    • 韩国
    • 其他亚太地区
  • 南美洲
    • 阿根廷
    • 巴西
    • 智利
    • 南美洲其他地区
  • 中东和非洲
    • 沙乌地阿拉伯
    • 阿拉伯聯合大公国
    • 卡达
    • 南非
    • 其他中东和非洲地区

第十章：主要趋势

  • 合约、商业伙伴关係和合资企业
  • 企业合併（M&A）
  • 新产品发布
  • 业务扩展
  • 其他关键策略

第十一章 公司概况

  • Betterment
  • Wealthfront
  • Fidelity Investments
  • Acorns
  • Vanguard Group
  • Empower
  • Charles Schwab Corporation
  • Ally Invest
  • Wealthsimple
  • M1 Finance
  • E*TRADE
  • SoFi
  • SigFig
  • Ellevest
  • Merrill Guided Investing
  • Scalable Capital
Product Code: SMRC31054

According to Stratistics MRC, the Global Robo-Advisory Market is accounted for $8.45 billion in 2025 and is expected to reach $47.85 billion by 2032 growing at a CAGR of 28.1% during the forecast period. Robo-advisory platforms use algorithms and AI to provide automated, low-cost investment management services without human financial advisors. These services offer portfolio creation, asset allocation, rebalancing, and tax optimization based on individual risk profiles and investment goals. Robo-advisors democratize wealth management by making it accessible to retail investors with lower fees and minimum investment requirements. Real-time data analysis and predictive modeling enable efficient decision-making. Market growth is driven by the demand for affordable, transparent, and user-friendly financial services amid shifting investor behavior and digital adoption trends.

Market Dynamics:

Driver:

Rise of self-directed investors

The rise of self-directed investors significantly propels the Robo-Advisory Market, driven by increasing financial literacy and the growing inclination toward independent investment decision-making. Millennials and tech-savvy individuals, in particular, favor automated, low-cost investment solutions that offer algorithm-driven portfolio management without requiring a traditional financial advisor. Moreover, the convenience and accessibility of digital platforms contribute to heightened adoption rates. Additionally, economic uncertainties and volatile markets have accelerated the need for efficient risk management tools, which robo-advisors provide. These platforms enable real-time portfolio adjustments and data-driven insights, further fueling market expansion.

Restraint:

Algorithm transparency concerns

Investors often express skepticism over the opaque nature of the decision-making processes employed by robo-advisory platforms. The proprietary algorithms driving investment strategies typically lack clear disclosure, which raises trust issues among users seeking accountability and understanding of risk management. Moreover, regulatory frameworks remain inconsistent globally, creating uncertainty around compliance requirements and consumer protections. Additionally, concerns over algorithmic bias and performance during extreme market conditions diminish investor confidence.

Opportunity:

Integration with digital banking platforms

As traditional banks increasingly embrace digital transformation, embedding robo-advisory services within their ecosystems can enhance customer engagement and expand service offerings. This convergence enables seamless financial management, combining banking services with automated investment solutions. Additionally, partnerships between fintech startups and established financial institutions facilitate product innovation and market penetration. Moreover, offering robo-advisory solutions via mobile banking applications provides customers with convenient access and real-time portfolio monitoring.

Threat:

Competition from traditional wealth managers

Established financial advisory firms possess strong client relationships, brand trust, and expertise, making it challenging for automated platforms to fully displace them, especially among affluent investors. Furthermore, hybrid models combining human advisors and automated solutions gain traction, further blurring market boundaries. Additionally, rapid technological advancements necessitate continuous platform upgrades, demanding substantial investment. Data privacy and cybersecurity threats also loom large, with breaches potentially undermining consumer trust. Moreover, economic downturns may reduce investment flows, limiting robo-advisor growth.

Covid-19 Impact:

The COVID-19 pandemic accelerated the adoption of robo-advisory solutions as lockdowns and social distancing measures limited access to traditional financial advisory services. Investors increasingly sought digital alternatives for portfolio management, driving short-term market growth. Moreover, heightened market volatility during the pandemic underscored the need for automated risk-adjusted strategies, strengthening the value proposition of robo-advisors. However, initial challenges included increased market uncertainty impacting algorithm performance and heightened customer support demands. Additionally, economic disruptions led some investors to withdraw funds or reduce investment activity. Overall, the pandemic acted as a catalyst for digital transformation in wealth management, emphasizing the strategic importance of automated advisory platforms.

The hybrid robo-advisors segment is expected to be the largest during the forecast period

The hybrid robo-advisors segment is expected to account for the largest market share during the forecast period. Hybrid robo-advisors combine algorithm-driven investment management with human advisory support, providing a balanced solution that caters to a broad spectrum of investor needs. This approach appeals to both tech-savvy individuals and those seeking personalized advice, thereby bridging the gap between fully automated and traditional advisory services. Moreover, the hybrid model addresses concerns over algorithm transparency by integrating human judgment, enhancing investor confidence. Additionally, competitive pricing and enhanced user experience drive further adoption.

The banks and credit unions segment is expected to have the highest CAGR during the forecast period

Over the forecast period, the banks and credit unions segment is predicted to witness the highest growth rate. As financial institutions embrace digital transformation, embedding robo-advisory services into their customer offerings becomes a strategic priority. This adoption allows banks and credit unions to offer automated investment solutions alongside traditional banking services, enhancing customer engagement and cross-selling opportunities. Additionally, regulatory mandates encouraging digital financial services further catalyze growth in this segment. Moreover, the trust and existing customer base of banks lower barriers to adoption compared to standalone robo-advisory firms.

Region with largest share:

During the forecast period, the North America region is expected to hold the largest market share. The region's dominance stems from a mature financial services industry, early fintech adoption, and advanced digital infrastructure. The United States, in particular, leads due to high investor awareness, widespread smartphone penetration, and favorable regulatory frameworks supporting innovation in financial services. Additionally, the presence of major robo-advisory firms headquartered in North America strengthens market leadership. Moreover, consumer demand for low-cost, automated investment solutions complements the region's robust technological ecosystem.

Region with highest CAGR:

Over the forecast period, the Asia Pacific region is anticipated to exhibit the highest CAGR. Rapid economic growth, rising digital penetration, and increasing financial inclusion drive the demand for automated investment solutions in emerging markets such as India, China, and Southeast Asian countries. Additionally, a burgeoning middle-class population and tech-savvy younger generations fuel adoption. Moreover, regulatory support for fintech innovation and digital banking further accelerates market expansion. The limited presence of traditional wealth management services in some countries creates an opportunity for robo-advisors to fill this gap.

Key players in the market

Some of the key players in Robo-Advisory Market include Betterment, Wealthfront, Fidelity Investments, Acorns, Vanguard Group, Empower, Charles Schwab Corporation, Ally Invest, Wealthsimple, M1 Finance, E*TRADE, SoFi, SigFig, Ellevest, Merrill Guided Investing, and Scalable Capital.

Key Developments:

In June 2025, Betterment acquired Rowboat Advisors, a move designed to accelerate its platform for Registered Investment Advisors (RIAs), expanding its reach in the financial advisory space.

In September 2024, Vanguard announced a reduction in the minimum asset requirement for its Digital Advisor service from $3,000 to $100, making automated financial advice more accessible to a broader range of investors.

In August 2024, Fidelity Go was recognized as the Best Robo Advisor of 2024 in Barron's annual Best Robo-Advisors Ranking, based on an analysis conducted from April to June 2024.

Business Models Covered:

  • Pure Robo-Advisors
  • Hybrid Robo-Advisors

Service Types Covered:

  • Investment Advisory
  • Wealth Management
  • Retirement Planning
  • Tax-Loss Harvesting

Providers Covered:

  • Fintech Companies
  • Banks and Credit Unions
  • Traditional Wealth Managers

End Users Covered:

  • Retail Investors
  • High-Net-Worth Individuals (HNWIs)
  • SMEs and Corporate Treasuries

Regions Covered:

  • North America
    • US
    • Canada
    • Mexico
  • Europe
    • Germany
    • UK
    • Italy
    • France
    • Spain
    • Rest of Europe
  • Asia Pacific
    • Japan
    • China
    • India
    • Australia
    • New Zealand
    • South Korea
    • Rest of Asia Pacific
  • South America
    • Argentina
    • Brazil
    • Chile
    • Rest of South America
  • Middle East & Africa
    • Saudi Arabia
    • UAE
    • Qatar
    • South Africa
    • Rest of Middle East & Africa

What our report offers:

  • Market share assessments for the regional and country-level segments
  • Strategic recommendations for the new entrants
  • Covers Market data for the years 2024, 2025, 2026, 2028, and 2032
  • Market Trends (Drivers, Constraints, Opportunities, Threats, Challenges, Investment Opportunities, and recommendations)
  • Strategic recommendations in key business segments based on the market estimations
  • Competitive landscaping mapping the key common trends
  • Company profiling with detailed strategies, financials, and recent developments
  • Supply chain trends mapping the latest technological advancements

Free Customization Offerings:

All the customers of this report will be entitled to receive one of the following free customization options:

  • Company Profiling
    • Comprehensive profiling of additional market players (up to 3)
    • SWOT Analysis of key players (up to 3)
  • Regional Segmentation
    • Market estimations, Forecasts and CAGR of any prominent country as per the client's interest (Note: Depends on feasibility check)
  • Competitive Benchmarking
    • Benchmarking of key players based on product portfolio, geographical presence, and strategic alliances

Table of Contents

1 Executive Summary

2 Preface

  • 2.1 Abstract
  • 2.2 Stake Holders
  • 2.3 Research Scope
  • 2.4 Research Methodology
    • 2.4.1 Data Mining
    • 2.4.2 Data Analysis
    • 2.4.3 Data Validation
    • 2.4.4 Research Approach
  • 2.5 Research Sources
    • 2.5.1 Primary Research Sources
    • 2.5.2 Secondary Research Sources
    • 2.5.3 Assumptions

3 Market Trend Analysis

  • 3.1 Introduction
  • 3.2 Drivers
  • 3.3 Restraints
  • 3.4 Opportunities
  • 3.5 Threats
  • 3.6 End User Analysis
  • 3.7 Emerging Markets
  • 3.8 Impact of Covid-19

4 Porters Five Force Analysis

  • 4.1 Bargaining power of suppliers
  • 4.2 Bargaining power of buyers
  • 4.3 Threat of substitutes
  • 4.4 Threat of new entrants
  • 4.5 Competitive rivalry

5 Global Robo-Advisory Market, By Business Model

  • 5.1 Introduction
  • 5.2 Pure Robo-Advisors
  • 5.3 Hybrid Robo-Advisors

6 Global Robo-Advisory Market, By Service Type

  • 6.1 Introduction
  • 6.2 Investment Advisory
  • 6.3 Wealth Management
  • 6.4 Retirement Planning
  • 6.5 Tax-Loss Harvesting

7 Global Robo-Advisory Market, By Provider

  • 7.1 Introduction
  • 7.2 Fintech Companies
  • 7.3 Banks and Credit Unions
  • 7.4 Traditional Wealth Managers

8 Global Robo-Advisory Market, By End User

  • 8.1 Introduction
  • 8.2 Retail Investors
  • 8.3 High-Net-Worth Individuals (HNWIs)
  • 8.4 SMEs and Corporate Treasuries

9 Global Robo-Advisory Market, By Geography

  • 9.1 Introduction
  • 9.2 North America
    • 9.2.1 US
    • 9.2.2 Canada
    • 9.2.3 Mexico
  • 9.3 Europe
    • 9.3.1 Germany
    • 9.3.2 UK
    • 9.3.3 Italy
    • 9.3.4 France
    • 9.3.5 Spain
    • 9.3.6 Rest of Europe
  • 9.4 Asia Pacific
    • 9.4.1 Japan
    • 9.4.2 China
    • 9.4.3 India
    • 9.4.4 Australia
    • 9.4.5 New Zealand
    • 9.4.6 South Korea
    • 9.4.7 Rest of Asia Pacific
  • 9.5 South America
    • 9.5.1 Argentina
    • 9.5.2 Brazil
    • 9.5.3 Chile
    • 9.5.4 Rest of South America
  • 9.6 Middle East & Africa
    • 9.6.1 Saudi Arabia
    • 9.6.2 UAE
    • 9.6.3 Qatar
    • 9.6.4 South Africa
    • 9.6.5 Rest of Middle East & Africa

10 Key Developments

  • 10.1 Agreements, Partnerships, Collaborations and Joint Ventures
  • 10.2 Acquisitions & Mergers
  • 10.3 New Product Launch
  • 10.4 Expansions
  • 10.5 Other Key Strategies

11 Company Profiling

  • 11.1 Betterment
  • 11.2 Wealthfront
  • 11.3 Fidelity Investments
  • 11.4 Acorns
  • 11.5 Vanguard Group
  • 11.6 Empower
  • 11.7 Charles Schwab Corporation
  • 11.8 Ally Invest
  • 11.9 Wealthsimple
  • 11.10 M1 Finance
  • 11.11 E*TRADE
  • 11.12 SoFi
  • 11.13 SigFig
  • 11.14 Ellevest
  • 11.15 Merrill Guided Investing
  • 11.16 Scalable Capital

List of Tables

  • Table 1 Global Robo-Advisory Market Outlook, By Region (2024-2032) ($MN)
  • Table 2 Global Robo-Advisory Market Outlook, By Business Model (2024-2032) ($MN)
  • Table 3 Global Robo-Advisory Market Outlook, By Pure Robo-Advisors (2024-2032) ($MN)
  • Table 4 Global Robo-Advisory Market Outlook, By Hybrid Robo-Advisors (2024-2032) ($MN)
  • Table 5 Global Robo-Advisory Market Outlook, By Service Type (2024-2032) ($MN)
  • Table 6 Global Robo-Advisory Market Outlook, By Investment Advisory (2024-2032) ($MN)
  • Table 7 Global Robo-Advisory Market Outlook, By Wealth Management (2024-2032) ($MN)
  • Table 8 Global Robo-Advisory Market Outlook, By Retirement Planning (2024-2032) ($MN)
  • Table 9 Global Robo-Advisory Market Outlook, By Tax-Loss Harvesting (2024-2032) ($MN)
  • Table 10 Global Robo-Advisory Market Outlook, By Provider (2024-2032) ($MN)
  • Table 11 Global Robo-Advisory Market Outlook, By Fintech Companies (2024-2032) ($MN)
  • Table 12 Global Robo-Advisory Market Outlook, By Banks and Credit Unions (2024-2032) ($MN)
  • Table 13 Global Robo-Advisory Market Outlook, By Traditional Wealth Managers (2024-2032) ($MN)
  • Table 14 Global Robo-Advisory Market Outlook, By End User (2024-2032) ($MN)
  • Table 15 Global Robo-Advisory Market Outlook, By Retail Investors (2024-2032) ($MN)
  • Table 16 Global Robo-Advisory Market Outlook, By High-Net-Worth Individuals (HNWIs) (2024-2032) ($MN)
  • Table 17 Global Robo-Advisory Market Outlook, By SMEs and Corporate Treasuries (2024-2032) ($MN)

Note: Tables for North America, Europe, APAC, South America, and Middle East & Africa Regions are also represented in the same manner as above.