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市场调查报告书
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1865531

全球智能投顾市场：预测至 2032 年－按组件、类型、提供者类型、经营模式、服务内容、最终用户和地区进行分析

Robo-Advisors Market Forecasts to 2032 - Global Analysis By Component (Software/Platform and Services), Type, Provider Type, Business Model, Service Offering, 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 的研究，预计到 2025 年，全球智能投顾市场规模将达到 132 亿美元，到 2032 年将达到 850 亿美元，预测期内复合年增长率将达到 30.5%。

智能投顾是提供自动化、演算法驱动的财务规划和投资管理服务的数位平台，最大限度地减少了人工干预。这些系统利用人工智慧和数据分析，在创建和管理个人化投资组合之前，评估个人的财务目标、风险接受度和投资期限。智能投顾提供的服务，例如资产配置、再平衡、税务最佳化和退休规划，成本低于传统财务顾问。它们可透过网页和行动应用程式访问，深受追求便捷和透明的科技型投资者的青睐。其扩充性和高效性使其成为推动资产管理普及化的重要力量，惠及各个收入和年龄层的人群。

对低成本投资解决方案的需求日益增长

对价格合理的投资选择日益增长的需求是推动智能投顾市场发展的关键因素。这些平台提供自动化财务规划和投资组合管理服务，费用远低于传统理财顾问。注重成本的投资者，尤其是千禧世代和Z世代，被智能投顾的透明度和便利性所吸引。随着金融素养的提高数位化的提升，越来越多的人寻求高效、低成本的财富管理工具，而智能投顾因其扩充性且个性化的投资解决方案而成为首选。

缺乏人际互动和信任

智能投顾缺乏人为互动，导致使用者对其信任度下降，因为他们更倾向于个人化的财务指导和情感上的慰藉。许多投资人不愿完全依赖演算法，尤其是在市场波动时期，此时人工顾问能够提供同理心和安抚。这种情感连结的缺失和信任感的缺失，使得用户在采用自动化平台时犹豫不决，降低了用户转换率和留存率，最终阻碍了智能投顾市场的整体成长和普及。

个性化投资组合管理

个人化投资组合管理为智能投顾带来了巨大的机会。透过利用人工智慧和数据分析，这些平台能够建立根据个人目标、风险承受能力和财务行为量身定制的投资策略。这种个人化服务能够提升用户参与度和满意度，进而促进长期客户留存。随着投资者对控制权和透明度的需求日益增长，智能投顾提供动态再平衡、目标追踪和自适应提案。凭藉其提供可扩展的个人化解决方案的能力，智能投顾正逐渐成为财富管理民主化和扩大金融规划服务覆盖范围的强大工具。

监理和合规挑战

监管和合规方面的挑战是智能投顾市场成长的一大障碍，因为严格的金融监管要求持续监控、高昂的审核和频繁的平台更新。满足多个地区不断变化的合规标准会增加营运的复杂性和成本，尤其对于小规模的公司而言。审批和许可的延误会延缓市场准入和创新。这些挑战降低了扩充性，限制了服务扩展，并造成了不确定性，最终抑制了智能投顾平台的普及和投资者信心的下降。

新冠疫情的感染疾病：

新冠疫情加速了智能投顾的普及，投资人纷纷寻求数位化、非接触式的金融解决方案。市场波动迫使散户投资者重新评估其投资组合，而智能投顾则提供了即时再平衡和风险管理服务。封锁和远距办公推动了对线上平台的需求，经济的不确定性也凸显了对高性价比投资工具的迫切需求。儘管疫情初期对新客户註册和营运造成了一定影响，但这场危机也凸显了自动化咨询服务的价值。

预计在预测期内，投资组合管理细分市场将占据最大的市场份额。

预计在预测期内，投资组合管理领域将占据最大的市场份额，因为它提供资产配置、多元化投资和自动再平衡等综合服务，并可根据个人投资者的情况量身定制。随着用户寻求高效透明的投资解决方案，投资组合管理工具可提供即时洞察和绩效追踪。人工智慧和机器学习的融合增强了决策能力和应对力。随着对个人化理财策略的需求不断增长，该领域仍将是智能投顾平台价值提案的核心。

预计在预测期内，税务优化细分市场将实现最高的复合年增长率。

受投资者对节税投资意识不断增强的推动，预计税务优化领域在预测期内将实现最高成长率。智能投顾利用演算法，透过税务抵扣和资产配置等策略来最大限度地降低纳税义务。税务优化是一项关键能力，因为投资者在寻求最大化收益时，尤其是在市场波动的情况下，会更加重视税务优化。该领域正受益于监管政策的变化、金融知识的普及以及对综合资产管理需求的成长。其快速成长反映了利用数位技术的投资者不断变化的期望。

占比最大的地区：

预计亚太地区将在预测期内占据最大的市场份额，这主要得益于中国、印度和日本等国快速的数位化、不断壮大的中产阶级以及蓬勃发展的金融科技生态系统。政府为促进普惠金融和行动银行所采取的措施也进一步推动了市场成长。该地区年轻且精通技术的群体以及日益增强的投资意识，为智能投顾平台的发展创造了有利环境。扩充性的基础设施和对低成本金融解决方案不断增长的需求，也帮助亚太地区保持市场份额领先地位。

年复合成长率最高的地区：

预计北美在预测期内将实现最高的复合年增长率，这得益于该地区成熟的金融生态系统、高度的数位化渗透率和健全的法规结构，这些都为快速增长提供了有力支撑。投资者正日益转向自动化平台，以寻求便利性、透明度和成本节约。人工智慧、巨量资料和行为分析领域的创新正在提昇平台的功能。随着对个人化、税收优惠和目标导向投资的需求不断增长，北美金融科技格局持续发展，并巩固了该地区在智能投顾领域创新方面的领先地位。

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  • 公司简介
    • 对最多三家其他公司进行全面分析
    • 对主要企业进行SWOT分析（最多3家公司）
  • 区域分类
    • 根据客户兴趣对主要国家进行市场估算、预测和复合年增长率分析（註：基于可行性检查）
  • 竞争基准化分析
    • 基于产品系列、地域覆盖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 引言

  • 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
    • 原始研究资料
    • 二手研究资讯来源
    • 先决条件

第三章 市场趋势分析

  • 介绍
  • 司机
  • 抑制因素
  • 市场机会
  • 威胁
  • 终端用户分析
  • 新兴市场
  • 新冠疫情的感染疾病

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
  • 公司间的竞争

5. 全球智能投顾市场（以组件划分）

  • 介绍
  • 软体/平台
  • 服务
    • 託管服务
    • 咨询服务
    • 支援和维护

第六章 全球智能投顾市场（依类型划分）

  • 介绍
  • 纯粹的智能投顾
  • 混合型智能投顾

7. 全球智能投顾市场（依供应商类型划分）

  • 介绍
  • 金融智能投顾
  • 传统资产管理公司
  • 银行
  • 其他提供者类型

第八章 全球智能投顾市场经营模式

  • 介绍
  • 直接计划基础
  • 全面的资产咨询

9. 全球智能投顾市场依服务产品划分

  • 介绍
  • 税务优化
  • 退休规划
  • 投资组合管理
  • 投资顾问
  • 其他服务

第十章 全球智能投顾市场（以最终用户划分）

  • 介绍
  • 个人投资者
  • 高净值人士 (HNWI)
  • 机构投资者

第十一章 全球智能投顾市场（按地区划分）

  • 介绍
  • 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
  • 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

第十二章：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
  • 业务拓展
  • 其他关键策略

第十三章：公司简介

  • Vanguard Digital Advisor
  • Moneyfarm
  • Charles Schwab Intelligent Portfolios
  • Ellevest
  • Betterment
  • Stash
  • Wealthfront
  • Scalable Capital
  • SoFi Invest
  • Nutmeg
  • Fidelity Go
  • SigFig
  • E*TRADE Core Portfolios
  • Ally Invest Managed Portfolios
  • Merrill Guided Investing
Product Code: SMRC32111

According to Stratistics MRC, the Global Robo-Advisors Market is accounted for $13.2 billion in 2025 and is expected to reach $85.0 billion by 2032 growing at a CAGR of 30.5% during the forecast period. Robo-advisors are digital platforms that provide automated, algorithm-driven financial planning and investment management services with minimal human intervention. These systems use artificial intelligence and data analytics to assess an individual's financial goals, risk tolerance, and investment horizon, then create and manage a personalized portfolio. Robo-advisors offer services such as asset allocation, rebalancing, tax optimization, and retirement planning at lower costs than traditional financial advisors. Accessible via web or mobile apps, they appeal to tech-savvy investors seeking convenience and transparency. Their scalability and efficiency make them a growing force in democratizing wealth management across diverse income and age groups.

Market Dynamics:

Driver:

Growing Demand for Low-Cost Investment Solutions

The rising demand for affordable investment options is a key driver of the robo-advisors market. These platforms offer automated financial planning and portfolio management at significantly lower fees than traditional advisors. Cost-conscious investors, especially millennials and Gen Z, are drawn to the transparency and accessibility of robo-advisors. As financial literacy improves and digital adoption increases, more individuals are seeking efficient, low-cost tools to manage their wealth, making robo-advisors a preferred choice for scalable and personalized investment solutions.

Restraint:

Lack of Human Touch and Trust

The absence of human interaction in robo-advisors creates a trust deficit among users who prefer personalized financial guidance and emotional reassurance. Many investors are uncomfortable relying entirely on algorithms, especially during market volatility when human advisors offer empathy and reassurance. This lack of emotional connection and perceived reliability leads to hesitation in adopting automated platforms, slowing user conversion and retention rates, and ultimately hindering the overall growth and wider acceptance of the robo-advisors market.

Opportunity:

Personalized Portfolio Management

Personalized portfolio management presents a major opportunity for robo-advisors. Leveraging AI and data analytics, these platforms can tailor investment strategies to individual goals, risk profiles, and financial behaviors. This customization enhances user engagement and satisfaction, driving long-term retention. As investors seek more control and transparency, robo-advisors offer dynamic rebalancing, goal tracking, and adaptive recommendations. The ability to deliver scalable personalized solutions positions robo-advisors as powerful tools in democratizing wealth management and expanding access to financial planning services.

Threat:

Regulatory and Compliance Challenges

Regulatory and compliance challenges significantly hinder the growth of the robo-advisors market, as stringent financial regulations require continuous monitoring, costly audits, and frequent platform updates. Navigating evolving compliance standards across multiple regions increases operational complexity and expenses, especially for smaller firms. Delays in approvals or licensing can slow market entry and innovation. These barriers reduce scalability, limit service expansion, and create uncertainty, ultimately restraining adoption and investor confidence in robo-advisory platforms.

Covid-19 Impact:

The COVID-19 pandemic accelerated the adoption of robo-advisors as investors sought digital, contactless financial solutions. Market volatility prompted individuals to reassess portfolios, and robo-advisors offered real-time rebalancing and risk management. Lockdowns and remote work boosted demand for online platforms, while economic uncertainty highlighted the need for cost-effective investment tools. Although initial disruptions affected onboarding and operations, the crisis underscored the value of automated advisory services.

The portfolio management segment is expected to be the largest during the forecast period

The portfolio management segment is expected to account for the largest market share during the forecast period, as it offers comprehensive services including asset allocation, diversification, and automated rebalancing tailored to individual investor profiles. As users seek efficient and transparent investment solutions, portfolio management tools provide real-time insights and performance tracking. The integration of AI and machine learning enhances decision-making and responsiveness. With growing demand for personalized financial strategies, this segment remains central to the value proposition of robo-advisory platforms.

The tax optimization segment is expected to have the highest CAGR during the forecast period

Over the forecast period, the tax optimization segment is predicted to witness the highest growth rate, due to increasing awareness of tax-efficient investing. Robo-advisors leverage algorithms to minimize tax liabilities through strategies like tax-loss harvesting and asset location. As investors seek to maximize returns, especially in volatile markets, tax optimization becomes a critical feature. The segment benefits from regulatory changes, rising financial literacy, and demand for holistic wealth management. Its rapid growth reflects the evolving expectations of digitally empowered investors.

Region with largest share:

During the forecast period, the Asia Pacific region is expected to hold the largest market share, due to rapid digitalization, expanding middle-class populations, and growing fintech ecosystems across countries like China, India, and Japan are driving adoption. Government initiatives promoting financial inclusion and mobile banking further support market growth. The region's tech-savvy youth and increasing investment awareness create a fertile environment for robo-advisory platforms. With scalable infrastructure and rising demand for low-cost financial solutions, Asia Pacific leads in market share.

Region with highest CAGR:

Over the forecast period, the North America region is anticipated to exhibit the highest CAGR, owing to region's mature financial ecosystem, high digital penetration, and strong regulatory framework support rapid growth. Investors are increasingly embracing automated platforms for convenience, transparency, and cost savings. Innovations in AI, big data, and behavioral analytics enhance platform capabilities. As demand for personalized, tax-efficient, and goal-based investing rises, North America's fintech landscape continues to evolve, positioning it as a leader in robo-advisory innovation.

Key players in the market

Some of the key players in Robo-Advisors Market include Vanguard Digital Advisor, Moneyfarm, Charles Schwab Intelligent Portfolios, Ellevest, Betterment, Stash, Wealthfront, Scalable Capital, SoFi Invest, Nutmeg, Fidelity Go, SigFig, E*TRADE Core Portfolios, Ally Invest Managed Portfolios, and Merrill Guided Investing.

Key Developments:

In June 2025, SoFi and Benzinga have entered a strategic partnership to integrate Benzinga's premium datasets including analyst ratings, price targets, earnings and "Why Is It Moving" insights directly into SoFi's Invest platform, empowering retail investors with institutional-grade research tools.

In February 2025, Betterment has acquired the automated investing business of Ellevest, meaning Ellevest's digital-investing accounts and assets will transfer to Betterment. Ellevest will continue its focus on wealth-management for high-net-worth clients.

Components Covered:

  • Software/Platform
  • Services

Types Covered:

  • Pure Robo-Advisors
  • Hybrid Robo-Advisors

Provider Types Covered:

  • FinTech Robo-Advisors
  • Traditional Wealth Management Firms
  • Banks
  • Other Provider Types

Business Models Covered:

  • Direct Plan-Based
  • Comprehensive Wealth Advisory

Service Offerings Covered:

  • Tax Optimization
  • Retirement Planning
  • Portfolio Management
  • Investment Advisory
  • Other Service Offerings

End Users Covered:

  • Retail Investors
  • High-Net-Worth Individuals (HNWIs)
  • Institutional Investors

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-Advisors Market, By Component

  • 5.1 Introduction
  • 5.2 Software/Platform
  • 5.3 Services
    • 5.3.1 Managed Services
    • 5.3.2 Consulting Services
    • 5.3.3 Support & Maintenance

6 Global Robo-Advisors Market, By Type

  • 6.1 Introduction
  • 6.2 Pure Robo-Advisors
  • 6.3 Hybrid Robo-Advisors

7 Global Robo-Advisors Market, By Provider Type

  • 7.1 Introduction
  • 7.2 FinTech Robo-Advisors
  • 7.3 Traditional Wealth Management Firms
  • 7.4 Banks
  • 7.5 Other Provider Types

8 Global Robo-Advisors Market, By Business Model

  • 8.1 Introduction
  • 8.2 Direct Plan-Based
  • 8.3 Comprehensive Wealth Advisory

9 Global Robo-Advisors Market, By Service Offering

  • 9.1 Introduction
  • 9.2 Tax Optimization
  • 9.3 Retirement Planning
  • 9.4 Portfolio Management
  • 9.5 Investment Advisory
  • 9.6 Other Service Offerings

10 Global Robo-Advisors Market, By End User

  • 10.1 Introduction
  • 10.2 Retail Investors
  • 10.3 High-Net-Worth Individuals (HNWIs)
  • 10.4 Institutional Investors

11 Global Robo-Advisors Market, By Geography

  • 11.1 Introduction
  • 11.2 North America
    • 11.2.1 US
    • 11.2.2 Canada
    • 11.2.3 Mexico
  • 11.3 Europe
    • 11.3.1 Germany
    • 11.3.2 UK
    • 11.3.3 Italy
    • 11.3.4 France
    • 11.3.5 Spain
    • 11.3.6 Rest of Europe
  • 11.4 Asia Pacific
    • 11.4.1 Japan
    • 11.4.2 China
    • 11.4.3 India
    • 11.4.4 Australia
    • 11.4.5 New Zealand
    • 11.4.6 South Korea
    • 11.4.7 Rest of Asia Pacific
  • 11.5 South America
    • 11.5.1 Argentina
    • 11.5.2 Brazil
    • 11.5.3 Chile
    • 11.5.4 Rest of South America
  • 11.6 Middle East & Africa
    • 11.6.1 Saudi Arabia
    • 11.6.2 UAE
    • 11.6.3 Qatar
    • 11.6.4 South Africa
    • 11.6.5 Rest of Middle East & Africa

12 Key Developments

  • 12.1 Agreements, Partnerships, Collaborations and Joint Ventures
  • 12.2 Acquisitions & Mergers
  • 12.3 New Product Launch
  • 12.4 Expansions
  • 12.5 Other Key Strategies

13 Company Profiling

  • 13.1 Vanguard Digital Advisor
  • 13.2 Moneyfarm
  • 13.3 Charles Schwab Intelligent Portfolios
  • 13.4 Ellevest
  • 13.5 Betterment
  • 13.6 Stash
  • 13.7 Wealthfront
  • 13.8 Scalable Capital
  • 13.9 SoFi Invest
  • 13.10 Nutmeg
  • 13.11 Fidelity Go
  • 13.12 SigFig
  • 13.13 E*TRADE Core Portfolios
  • 13.14 Ally Invest Managed Portfolios
  • 13.15 Merrill Guided Investing

List of Tables

  • Table 1 Global Robo-Advisors Market Outlook, By Region (2024-2032) ($MN)
  • Table 2 Global Robo-Advisors Market Outlook, By Component (2024-2032) ($MN)
  • Table 3 Global Robo-Advisors Market Outlook, By Software/Platform (2024-2032) ($MN)
  • Table 4 Global Robo-Advisors Market Outlook, By Services (2024-2032) ($MN)
  • Table 5 Global Robo-Advisors Market Outlook, By Managed Services (2024-2032) ($MN)
  • Table 6 Global Robo-Advisors Market Outlook, By Consulting Services (2024-2032) ($MN)
  • Table 7 Global Robo-Advisors Market Outlook, By Support & Maintenance (2024-2032) ($MN)
  • Table 8 Global Robo-Advisors Market Outlook, By Type (2024-2032) ($MN)
  • Table 9 Global Robo-Advisors Market Outlook, By Pure Robo-Advisors (2024-2032) ($MN)
  • Table 10 Global Robo-Advisors Market Outlook, By Hybrid Robo-Advisors (2024-2032) ($MN)
  • Table 11 Global Robo-Advisors Market Outlook, By Provider Type (2024-2032) ($MN)
  • Table 12 Global Robo-Advisors Market Outlook, By FinTech Robo-Advisors (2024-2032) ($MN)
  • Table 13 Global Robo-Advisors Market Outlook, By Traditional Wealth Management Firms (2024-2032) ($MN)
  • Table 14 Global Robo-Advisors Market Outlook, By Banks (2024-2032) ($MN)
  • Table 15 Global Robo-Advisors Market Outlook, By Other Provider Types (2024-2032) ($MN)
  • Table 16 Global Robo-Advisors Market Outlook, By Business Model (2024-2032) ($MN)
  • Table 17 Global Robo-Advisors Market Outlook, By Direct Plan-Based (2024-2032) ($MN)
  • Table 18 Global Robo-Advisors Market Outlook, By Comprehensive Wealth Advisory (2024-2032) ($MN)
  • Table 19 Global Robo-Advisors Market Outlook, By Service Offering (2024-2032) ($MN)
  • Table 20 Global Robo-Advisors Market Outlook, By Tax Optimization (2024-2032) ($MN)
  • Table 21 Global Robo-Advisors Market Outlook, By Retirement Planning (2024-2032) ($MN)
  • Table 22 Global Robo-Advisors Market Outlook, By Portfolio Management (2024-2032) ($MN)
  • Table 23 Global Robo-Advisors Market Outlook, By Investment Advisory (2024-2032) ($MN)
  • Table 24 Global Robo-Advisors Market Outlook, By Other Service Offerings (2024-2032) ($MN)
  • Table 25 Global Robo-Advisors Market Outlook, By End User (2024-2032) ($MN)
  • Table 26 Global Robo-Advisors Market Outlook, By Retail Investors (2024-2032) ($MN)
  • Table 27 Global Robo-Advisors Market Outlook, By High-Net-Worth Individuals (HNWIs) (2024-2032) ($MN)
  • Table 28 Global Robo-Advisors Market Outlook, By Institutional Investors (2024-2032) ($MN)

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