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市场调查报告书
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1833594

2032 年农业金融科技市场预测：按解决方案类型、部署模式、技术、最终用户和地区进行的全球分析

Agri-Fintech Market Forecasts to 2032 - Global Analysis By Solution Type, Deployment Model, Technology, 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，全球农业金融科技市场预计在 2025 年达到 74 亿美元，到 2032 年将达到 212 亿美元，预测期内的复合年增长率为 16.2%。

农业金融科技市场将金融科技与农业结合，为农民提供数位信贷、保险、供应链金融和支付解决方案。该市场旨在利用行动平台、区块链和人工智慧提供全面的金融服务，从而弥合农村金融缺口。农业金融科技的兴起得益于智慧型手机普及率的提高、政府数位化计画以及小农户获得信贷的需求。随着投资者认识到农业金融科技在促进农村繁荣、推动农业机械化和支持永续农业成长方面的作用，该市场正在不断扩大。

农业数位转型

数位转型正在再形成农业金融科技，加速数位支付、农业数据平台和替代信用评分的发展，从而减少小农户与贷款机构之间的资讯不对称。透过数位化记录并结合卫星影像、物联网遥测和行动交易历史记录，贷款机构可以更准确地评估贷款，并提供符合作物週期的产品。此外，数位市场和电子钱包简化了投入品的购买和农产品的销售，提高了交易的透明度和可追溯性，同时显着加强了贷款机构与农民之间的关係。

农村地区网路连线有限

许多农村用户缺乏可靠的宽频或行动通讯，导致持续的连接缺口，限制了农业金融科技服务的普及。这些限制意味着无法持续存取依赖持续数据的行动银行应用程式、即时定价平台和远端信用评估工具。结果导致产品采用率参差不齐，客户获取成本高昂，企业必须投资离线通路、代理商网路和USSD解决方案。此外，连线不稳定还会阻碍资料收集，并增加实地合规负担。

与传统金融机构的伙伴关係

农业金融科技公司与成熟银行和小额信贷机构的合作，展现了一条策略性的规模化路径。金融科技公司提供敏捷技术、另类数据分析和农民参与平台，而成熟金融机构则提供资金、合规经验和销售网络。此类伙伴关係可以降低客户获取成本，支持混合融资和仓储取货融资等共同设计的产品，并增强厌恶风险的农民的信心。此外，此类联盟还能促进风险共用机制，拓宽产品供应，并扩大保险服务的交叉销售。

经济不稳定

由于小农户的收入高度依赖天气和市场波动，宏观经济衝击、外汇波动和商品价格波动构成重大威胁。通膨和利率上升会加剧借款人的融资紧张，增加不良债务，而长期经济衰退则会降低投资者对创新信贷模式的兴趣。在这种环境下，资金筹措成本上升，金融机构变得更加保守，产品供应受到限制。此外，经济不稳定会侵蚀信贷质量，增加拨备，并削弱投资者信心。

COVID-19的影响：

疫情加速了农村金融的数位化，推动农民和金融机构使用行动交易和远端服务。供应链衝击暴露了纸本贷款的弱点，并增加了对数位抵押品、电子签章和远端检验的需求。收入损失和市场动盪加剧了借款人的压力，促使金融机构收紧承保并更新风险模型，并促使监管机构和捐助者支持数位支付和保险试点。

预计数位借贷和小额信贷领域将成为预测期内最大的领域

预计在预测期内，数位借贷和小额信贷领域将占据最大的市场份额，这得益于及时提供针对季节性农业需求（例如种子、化肥和劳动力）的小额贷款。数位贷款机构正在采用行动钱包、替代数据和代理商管道，以覆盖服务不足的小农户，并减少他们对非正规信贷的依赖。与投入品供应商和承购商的整合实现了嵌入式融资，提高了营运成本效率和可追溯性。此外，小额信贷产品可以建立正式的信用记录，扩大金融包容性，并为补充服务创建可扩展的途径。

预计在预测期内，现场部分将实现最高的复合年增长率。

预计本地部署领域将在预测期内实现最高成长率。本地部署能够与传统 ERP 系统深度集成，提供客製化分析，并符合本地资料主权和监管要求。此类设定还能降低大容量事务工作负载的延迟，并打造客製化的安全架构。此外，将本地核心与云端元件结合的混合方法能够在保持敏捷性的同时实现管治，从而支持企业的长期采用。

占比最大的地区：

在预测期内，北美预计将占据最大的市场份额，这得益于其先进的数位基础设施、充足的风险投资和机构资金筹措，以及成熟的农业价值链，易于采用数据主导的资金筹措。高智慧型手机和宽频普及率、广泛的物联网部署以及清晰的法规结构有利于产品的快速部署和规模化。强大的农业科技生态系统、保险市场和农民协会为承保和风险共用提供了丰富的数据。因此，供应商可以更快地将其产品商业化，提高单位使用者的收益，并与更广泛的国内机构合作。

复合年增长率最高的地区：

预计亚太地区将在预测期内实现最高的复合年增长率，这得益于其庞大的小农户群体、不断上升的移动普及率以及政府积极的数位化倡议，这些倡议降低了金融科技的应用门槛。印度、印尼和东南亚等市场正在经历技术创新的不断增长，透过代理银行、替代信用评分和超级应用程序，扩大了信贷、支付和农场管理平台的获取管道。此外，人口结构年轻化、互联互通的不断增强以及公私合作项目为可扩展且适应本地需求的农业金融科技模式以及日益增长的投资者兴趣创造了有利环境。

免费客製化服务：

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
    • 对最多三家其他市场公司进行全面分析
    • 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

第二章 前言

  • 概述
  • 相关利益者
  • 调查范围
  • 调查方法
    • 资料探勘
    • 数据分析
    • 数据检验
    • 研究途径
  • 研究材料
    • 主要研究资料
    • 次级研究资讯来源
    • 先决条件

第三章市场走势分析

  • 驱动程式
  • 抑制因素
  • 机会
  • 威胁
  • 技术分析
  • 最终用户分析
  • 新兴市场
  • COVID-19的影响

第四章 波特五力分析

  • 供应商的议价能力
  • 买方的议价能力
  • 替代品的威胁
  • 新进入者的威胁
  • 竞争对手之间的竞争

5. 全球农业金融科技市场（依解决方案类型）

  • 数位借贷和小额信贷
  • 农业支付汇款解决方案
  • 供应炼和贸易融资
  • 农业投资群众集资平台
  • 基于区块链的智能合约

6. 全球农业金融科技市场（依部署模式）

  • 云端基础
  • 本地部署

7. 全球农业金融科技市场（按技术）

  • 人工智慧和机器学习
  • 区块链和分散式帐本
  • 物联网与遥感探测的融合
  • 行动和数位钱包

8. 全球农业金融科技市场（以最终用户划分）

  • 小规模农户
  • 相关企业和合作社
  • 金融机构和区域银行
  • 农业投入品供应商和零售商

9. 全球农业金融科技市场（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
    • 其他南美
  • 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：重大进展

  • 协议、伙伴关係、合作和合资企业
  • 收购与合併
  • 新产品发布
  • 业务扩展
  • 其他关键策略

第十一章 公司概况

  • Pula Advisors
  • Hello Tractor
  • Apollo Agriculture
  • FarmDrive
  • ThriveAgric
  • Traive
  • ProducePay
  • Farmers Business Network（FBN）
  • AgriDigital
  • Agrolend
  • Samunnati
  • Jai Kisan
  • AgroStar
  • Digivriddhi（DGV）
  • eFishery
  • BanQu
Product Code: SMRC31427

According to Stratistics MRC, the Global Agri-Fintech Market is accounted for $7.4 billion in 2025 and is expected to reach $21.2 billion by 2032 growing at a CAGR of 16.2% during the forecast period. The agri-fintech market integrates financial technology with agriculture, providing farmers with digital credit, insurance, supply chain financing, and payment solutions. It aims to bridge the rural finance gap by leveraging mobile platforms, blockchain, and AI to deliver inclusive financial services. The rise of agri-fintech is fueled by growing Smartphone penetration, government digitalization programs, and the need for accessible credit for smallholders. This market is expanding as investors recognize its role in driving rural prosperity, enabling farm mechanization, and supporting sustainable agricultural growth.

Market Dynamics:

Driver:

Digital Transformation in Agriculture

Digital transformation is reshaping agri-fintech by accelerating digital payments, farm data platforms and alternative credit scoring that reduce information asymmetry between smallholders and lenders. By digitizing records and combining satellite imagery, IoT telemetry and mobile transaction histories, lenders can underwrite loans more accurately and offer tailored products aligned to crop cycles. Furthermore, digital marketplaces and e-wallets simplify input purchases and crop sales, increasing transaction transparency and traceability while significantly strengthen lender-farmer relationships.

Restraint:

Limited Internet Connectivity in Rural Areas

Persistent connectivity gaps constrain the reach of agri-fintech services because many rural users lack reliable broadband or mobile coverage. This limitation prevents consistent access to mobile banking apps, real-time price platforms and remote credit assessment tools that rely on continuous data. As a result, product uptake is uneven, customer onboarding becomes costlier and firms must invest in offline channels, agent networks or USSD solutions. Moreover, intermittent connections hamper data collection and raise compliance burdens locally.

Opportunity:

Partnerships with Traditional Financial Institutions

Collaborations between agri-fintech firms and established banks or microfinance institutions present a strategic route to scale. Fintechs bring agile technology, alternative data analytics and farmer engagement platforms, while incumbents provide capital, regulatory compliance experience and distribution footprints. Such partnerships lower customer acquisition costs, enable co-designed products like blended finance or warehouse receipt lending, and improve trust among risk-averse farmers. Additionally, these alliances facilitate shared risk mechanisms, expand product suites and expand cross-selling of insurance services.

Threat:

Economic Instability

Macroeconomic shocks, currency volatility and volatile commodity prices constitute significant threats because smallholder incomes are highly exposed to weather and market swings. Rising inflation or interest rates can squeeze borrower affordability and increase non-performing loans, while prolonged downturns reduce investor appetite for innovative credit models. In such environments, funding costs escalate and lenders become more conservative, constraining product availability. Moreover, economic instability undermines credit availability, increasing provisioning, reducing investor confidence.

Covid-19 Impact:

The pandemic accelerated digital adoption in rural finance as lockdowns pushed farmers and lenders toward mobile transactions and remote services. Supply chain shocks exposed weaknesses in paper-based financing and increased demand for digital collateral, e-signatures and remote verification. Income losses and market disruptions increased borrower stress, prompting lenders to tighten underwriting and update risk models, while regulators and donors supported digital payment and insurance pilots.

The digital lending & microfinance segment is expected to be the largest during the forecast period

The digital lending & microfinance segment is expected to account for the largest market share during the forecast period by supplying small, timely loans tailored to seasonal farming needs such as seed, fertiliser and labour. Digital lenders employ mobile wallets, alternative data and agent channels to reach underserved smallholders and reduce dependence on informal credit. Integration with input suppliers and offtakers enables embedded finance, improving working capital efficiency and traceability. Furthermore, microfinance products build formal credit histories, broaden financial inclusion and create a scalable pathway for complementary services.

The on-premise segment is expected to have the highest CAGR during the forecast period

Over the forecast period, the on-premise segment is predicted to witness the highest growth rate. On-premise deployments enable deep integration with legacy ERP systems, bespoke analytics and compliance with local data sovereignty or regulatory requirements. Such setups also reduce latency for high-volume transactional workloads and permit tailored security architectures. Moreover, hybrid approaches coupling on-premise cores and cloud components preserve agility while delivering governance and support longer term enterprise adoption.

Region with largest share:

During the forecast period, the North America region is expected to hold the largest market share owing to advanced digital infrastructure, deep venture and institutional funding and mature agricultural value chains that readily adopt data-driven financing. High smartphone and broadband penetration, broad IoT deployment and clear regulatory frameworks facilitate swift product rollouts and scale. Strong agtech ecosystems, insurance markets and farmer cooperatives provide rich data for underwriting and risk sharing. Consequently, providers can commercialise offerings faster, achieve higher monetisation per user and broader national institutional partnerships.

Region with highest CAGR:

Over the forecast period, the Asia Pacific region is anticipated to exhibit the highest CAGR driven by large smallholder base, rising mobile penetration and proactive government digitalisation initiatives that lower barriers to fintech adoption. High innovation in markets such as India, Indonesia and Southeast Asia is expanding access to credit, payments and farm-management platforms through agent banking, alternative credit scoring and superapps. Moreover, younger demographics, improving connectivity and targeted public-private programs create a fertile environment for scalable, locally adapted agri-fintech models and growing investor interest.

Key players in the market

Some of the key players in Agri-Fintech Market include Pula Advisors, Hello Tractor, Apollo Agriculture, FarmDrive, ThriveAgric, Traive, ProducePay, Farmers Business Network (FBN), AgriDigital, Agrolend, Samunnati, Jai Kisan, AgroStar, Digivriddhi (DGV), eFishery, and BanQu.

Key Developments:

In July 2025, Farmers Business Network (FBN(R)), the collaborative peer-to-peer farmer network generating farm-level intelligence and a leading marketplace for North America's agricultural sector, announced new investments and platform expansions alongside $50 million in funding to fuel new product lines and AI deployment.

In April 2024, Agricultural insurance and technology company Pula today announced that it closed a USD 20 million series B fundraising round that will help thousands of smallholder farmers in emerging markets gain access to insurance against floods, droughts, and other climate-related events. The funding round was led by BlueOrchard, a global impact investment manager and member of the Schroders Group, via its InsuResilience strategy. The aim of the strategy is to protect vulnerable people and microentrepreneurs in emerging markets from the effects of climate change by providing access to climate insurance. Fundraising also came from IFC and the Private Sector Window of the Global Agriculture and Food Security Program (GAFSP). IFC's financing is part of its $225 million venture capital platform launched in November 2022 to invest in early-stage companies that are advancing development through technological innovations.

In January 2024, Apollo Agriculture, an agri-fintech startup, received a USD 10 million investment from Swedfund and ImpactConnect. The investment aims to aid small-scale farmers in Africa, enhancing their earnings and promoting sustainable farming. The new funding will expand Apollo's reach in Kenya, targeting an additional 400,000 farmers.

Solution Types Covered:

  • Digital Lending & Microfinance
  • Agri-Payments & Remittance Solutions
  • Supply Chain & Trade Finance
  • Crop Investment & Crowdfunding Platforms
  • Blockchain-Based Smart Contracts

Deployment Models Covered:

  • Cloud-Based
  • On-Premise

Technologies Covered:

  • AI & Machine Learning
  • Blockchain & Distributed Ledger
  • IoT & Remote Sensing Integration
  • Mobile & Digital Wallets

End Users Covered:

  • Smallholder Farmers
  • Agribusinesses & Cooperatives
  • Financial Institutions & Rural Banks
  • Agri-Input Suppliers & Retailers

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 Technology Analysis
  • 3.7 End User Analysis
  • 3.8 Emerging Markets
  • 3.9 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 Agri-Fintech Market, By Solution Type

  • 5.1 Introduction
  • 5.2 Digital Lending & Microfinance
  • 5.3 Agri-Payments & Remittance Solutions
  • 5.4 Supply Chain & Trade Finance
  • 5.5 Crop Investment & Crowdfunding Platforms
  • 5.6 Blockchain-Based Smart Contracts

6 Global Agri-Fintech Market, By Deployment Model

  • 6.1 Introduction
  • 6.2 Cloud-Based
  • 6.3 On-Premise

7 Global Agri-Fintech Market, By Technology

  • 7.1 Introduction
  • 7.2 AI & Machine Learning
  • 7.3 Blockchain & Distributed Ledger
  • 7.4 IoT & Remote Sensing Integration
  • 7.5 Mobile & Digital Wallets

8 Global Agri-Fintech Market, By End User

  • 8.1 Introduction
  • 8.2 Smallholder Farmers
  • 8.3 Agribusinesses & Cooperatives
  • 8.4 Financial Institutions & Rural Banks
  • 8.5 Agri-Input Suppliers & Retailers

9 Global Agri-Fintech 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 Pula Advisors
  • 11.2 Hello Tractor
  • 11.3 Apollo Agriculture
  • 11.4 FarmDrive
  • 11.5 ThriveAgric
  • 11.6 Traive
  • 11.7 ProducePay
  • 11.8 Farmers Business Network (FBN)
  • 11.9 AgriDigital
  • 11.10 Agrolend
  • 11.11 Samunnati
  • 11.12 Jai Kisan
  • 11.13 AgroStar
  • 11.14 Digivriddhi (DGV)
  • 11.15 eFishery
  • 11.16 BanQu

List of Tables

  • Table 1 Global Agri-Fintech Market Outlook, By Region (2024-2032) ($MN)
  • Table 2 Global Agri-Fintech Market Outlook, By Solution Type (2024-2032) ($MN)
  • Table 3 Global Agri-Fintech Market Outlook, By Digital Lending & Microfinance (2024-2032) ($MN)
  • Table 4 Global Agri-Fintech Market Outlook, By Agri-Payments & Remittance Solutions (2024-2032) ($MN)
  • Table 5 Global Agri-Fintech Market Outlook, By Supply Chain & Trade Finance (2024-2032) ($MN)
  • Table 6 Global Agri-Fintech Market Outlook, By Crop Investment & Crowdfunding Platforms (2024-2032) ($MN)
  • Table 7 Global Agri-Fintech Market Outlook, By Blockchain-Based Smart Contracts (2024-2032) ($MN)
  • Table 8 Global Agri-Fintech Market Outlook, By Deployment Model (2024-2032) ($MN)
  • Table 9 Global Agri-Fintech Market Outlook, By Cloud-Based (2024-2032) ($MN)
  • Table 10 Global Agri-Fintech Market Outlook, By On-Premise (2024-2032) ($MN)
  • Table 11 Global Agri-Fintech Market Outlook, By Technology (2024-2032) ($MN)
  • Table 12 Global Agri-Fintech Market Outlook, By AI & Machine Learning (2024-2032) ($MN)
  • Table 13 Global Agri-Fintech Market Outlook, By Blockchain & Distributed Ledger (2024-2032) ($MN)
  • Table 14 Global Agri-Fintech Market Outlook, By IoT & Remote Sensing Integration (2024-2032) ($MN)
  • Table 15 Global Agri-Fintech Market Outlook, By Mobile & Digital Wallets (2024-2032) ($MN)
  • Table 16 Global Agri-Fintech Market Outlook, By End User (2024-2032) ($MN)
  • Table 17 Global Agri-Fintech Market Outlook, By Smallholder Farmers (2024-2032) ($MN)
  • Table 18 Global Agri-Fintech Market Outlook, By Agribusinesses & Cooperatives (2024-2032) ($MN)
  • Table 19 Global Agri-Fintech Market Outlook, By Financial Institutions & Rural Banks (2024-2032) ($MN)
  • Table 20 Global Agri-Fintech Market Outlook, By Agri-Input Suppliers & Retailers (2024-2032) ($MN)

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