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市场调查报告书
商品编码
1889191
全球金融资料聚合市场:预测至 2032 年-按组件、部署方式、资料类型、公司规模、应用、最终使用者和地区进行分析Financial Data Aggregation Market Forecasts to 2032 - Global Analysis By Component (Solutions and Services), Deployment Mode, Data Type, Enterprise Size, Application, End User and By Geography |
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根据 Stratistics MRC 的一项研究,预计到 2025 年,全球金融数据聚合市场规模将达到 64.9 亿美元,到 2032 年将达到 256.9 亿美元,在预测期内的复合年增长率将达到 21.7%。
财务资料聚合是指将来自银行、信用卡、投资帐户、保险系统和企业帐簿等各种平台的财务记录收集并整合到一个统一的仪表板中。这种整合方法使用户和企业能够及时了解自身的财务状况,简化报告流程,并提升决策效率。整合分散的财务资料集可以提高营运透明度,减少人工操作,并确保更可靠、更有效率的财务管理流程。
对个人化的需求日益增长
用户对银行、财富管理和预算应用程式中的客製化分析、个人化产品提案和情境化建议的期望日益增长。聚合服务使金融机构能够透过整合交易数据、行为数据和投资组合数据,提供高度个人化的服务。随着客户期望的提高,金融机构正在利用基于聚合资料集训练的人工智慧模型来提升个人化水准。更高的客製化程度有助于金融机构提高用户满意度、客户维繫和交叉销售机会。这种向个人化金融体验的转变正成为市场扩张的关键驱动力。
缺乏统一的数据标准和质量
格式、API 和更新频率的差异导致资料集碎片化,使即时聚合变得复杂。资料品质不佳会导致资讯不完整、不准确和过时,从而损害用户信任和服务可靠性。金融机构必须投入大量资源进行资料清洗和协调,以确保无缝整合。遵守不断变化的法规结构进一步增加了标准化工作的复杂性。总而言之,这些挑战会增加营运成本并降低平台扩充性。
开放金融的全球扩张
各国政府和监管机构正积极推动建立安全的资料共用生态系统,以促进金融服务领域的透明度和竞争。随着开放API的应用范围从银行业扩展到投资、保险和退休金等领域,资料聚合的范围也不断扩大。这种扩展使得平台能够提供更全面的金融洞察和高级分析。跨国合作正在推动跨国服务模式和新型商业伙伴关係的形成。开放金融也透过赋能金融科技公司,使其能够基于丰富的数据集建构附加价值服务,从而支持创新。
来自大型科技公司的竞争
科技公司拥有庞大的基本客群、先进的分析能力和强大的品牌知名度,为其带来了优势。对于小规模的聚合平台而言,如何将金融功能无缝整合到现有生态系统中是一项挑战。这些公司也在人工智慧和云端基础设施方面投入巨资,提高了用户对速度和个人化服务的期望。在由强大的数位平台主导的市场中,小规模公司很难脱颖而出。大型科技公司透过合作、收购和生态系统策略,正在改变竞争格局。
新冠疫情加速了数位金融的普及,并提高了对数据聚合平台的依赖。远距银行和非接触式交易的兴起,增加了对统一财务视图和自动化洞察的需求。收入变化和经济不确定性促使消费者寻求更有效的财务规划工具。金融机构利用聚合数据来增强风险评估和客户参与策略。然而,预算限制和IT系统延迟暂时影响了部分企业的实施进度。即使在疫情结束后,以数位化为先的金融行为仍然支撑着对聚合解决方案的需求。
预计在预测期内,云端基础市场将占据最大的市场份额。
由于其扩充性、成本效益和易于部署等优势,预计在预测期内,云端基础方案将占据最大的市场份额。云端基础设施能够快速整合各种资料来源,进而提升分析能力。金融机构越来越倾向于选择云端解决方案,因为它有助于敏捷创新和快速产品部署。持续更新和自动安全增强功能提高了营运可靠性。云端平台还有助于快速资料处理,这对于即时聚合至关重要。其支援大量金融数据的能力使其成为金融科技公司和银行的首选。
预计在预测期内,金融科技领域将实现最高的复合年增长率。
预计在预测期内,金融科技领域将实现最高成长率,因为这些公司积极采用数据聚合技术来提供创新的金融工具。金融科技公司利用整合资料提供预算应用程式、智能投顾平台、贷款模式、嵌入式金融服务等。它们的敏捷性和数位原民方法正在加速开放API和高阶分析技术的应用。客户对直观易用的应用程式金融体验的需求不断增长,进一步推动了用户成长。创业投资持续推动创新和市场渗透。
预计在预测期内,北美将保持最大的市场份额,这主要得益于先进的数位银行应用以及监管机构对开放金融的大力支持。美国和加拿大拥有成熟的金融生态系统,并将无缝数据连接放在首位。消费者对数位金融工具的高接受度推动了数据聚合的快速普及。成熟的金融科技丛集和领先的科技公司进一步巩固了该地区的领先地位。金融机构正积极投资分析、API现代化和云端迁移。该地区强大的网路安全基础架构提升了人们对资料共用平台的信任。
亚太地区预计将在预测期内实现最高的复合年增长率,这主要得益于快速的数位转型和不断扩展的金融科技生态系统。印度、中国和新加坡等国家正经历行动银行和超级应用金融服务的快速普及。不断壮大的中产阶级对综合财务管理工具的需求日益增长。政府为促进开放银行和数位支付而采取的措施正在加速生态系统的发展。该地区的金融科技Start-Ups正利用聚合数据,在贷款、财富科技和个人财务管理等领域推动创新。高网路普及率和行动优先的消费习惯也进一步推动了这一成长。
According to Stratistics MRC, the Global Financial Data Aggregation Market is accounted for $6.49 billion in 2025 and is expected to reach $25.69 billion by 2032 growing at a CAGR of 21.7% during the forecast period. Financial Data Aggregation involves gathering and merging financial records from varied platforms like banks, credit cards, investment accounts, insurance systems, and business ledgers into one coherent dashboard. This consolidated approach helps users and enterprises gain timely visibility into their finances, streamline reporting tasks, and strengthen decision-making. By unifying scattered financial datasets, it boosts operational clarity, reduces manual effort, and ensures more dependable and efficient financial management processes.
Rising demand for personalization
Users increasingly expect customized insights, tailored product recommendations, and contextual advice across banking, wealth management, and budgeting applications. Aggregators enable institutions to deliver hyper-personalized services by consolidating transactional, behavioral, and portfolio data. As customer expectations rise, financial firms are leveraging AI models trained on aggregated datasets to refine personalization accuracy. Enhanced customization helps institutions improve user satisfaction, retention, and cross-selling opportunities. This shift toward individualized financial journeys is becoming a major catalyst for market expansion.
Lack of uniform data standards/quality
Variations in formats, APIs, and update frequencies lead to fragmented datasets that complicate real-time aggregation. Poor data quality can result in incomplete, inaccurate, or outdated information, undermining user trust and service reliability. Financial institutions must invest heavily in data cleansing and harmonization to ensure seamless integration. Compliance with evolving regulatory frameworks adds further complexity to standardization efforts. These challenges collectively raise operational costs and slow down platform scalability.
Global expansion of open finance
Governments and regulators are encouraging secure data-sharing ecosystems to enhance transparency and competition in financial services. As open APIs gain traction beyond banking covering investments, insurance, and pensions the scope of aggregation is broadening. This expansion enables platforms to deliver more comprehensive financial insights and advanced analytics. Cross-border initiatives are encouraging multinational service models and new business partnerships. Open finance also supports innovation by enabling fintechs to build value-added services on top of enriched datasets.
Competition from large technology companies
Tech companies benefit from vast customer bases, advanced analytics capabilities, and strong brand recognition. Their ability to integrate financial features seamlessly into existing ecosystems poses a challenge for smaller aggregators. These players also invest heavily in AI and cloud infrastructure, elevating user expectations for speed and personalization. Smaller companies may struggle to differentiate in a market shaped by powerful digital platforms. Partnerships, acquisitions, and ecosystem strategies from big tech firms are reshaping competitive dynamics.
The COVID-19 pandemic accelerated digital financial adoption, driving increased reliance on data aggregation platforms. Remote banking and contactless transactions boosted the need for unified financial views and automated insights. Consumers sought better financial planning tools due to income shifts and economic instability. Financial institutions used aggregated data to strengthen risk assessment and customer engagement strategies. However, budget constraints and IT delays temporarily affected implementation timelines for some firms. Post-pandemic, digital-first financial behavior continues to sustain demand for aggregation solutions.
The cloud-based segment is expected to be the largest during the forecast period
The cloud-based segment is expected to account for the largest market share during the forecast period, due to its scalability, cost-efficiency, and ease of deployment. Cloud infrastructure enables rapid integration of diverse data sources and accelerates analytics capabilities. Financial institutions increasingly prefer cloud solutions to support agile innovation and faster product rollout. Continuous updates and automatic security enhancements strengthen operational reliability. Cloud platforms also facilitate high-speed data processing essential for real-time aggregation. Their ability to support large volumes of financial data makes them the preferred choice for both fintechs and banks.
The Fintech companies segment is expected to have the highest CAGR during the forecast period
Over the forecast period, the Fintech companies segment is predicted to witness the highest growth rate, as these firms aggressively adopt aggregation to deliver innovative financial tools. Fintechs rely on integrated data to power budgeting apps, robo-advisory platforms, lending models, and embedded finance offerings. Their agility and digital-native approach accelerate the adoption of open APIs and advanced analytics. Growing customer demand for intuitive, app-based financial experiences further boosts utilization. Venture capital investment continues to fuel innovation and market penetration.
During the forecast period, the North America region is expected to hold the largest market share, driven by advanced digital banking adoption and strong regulatory support for open finance. The U.S. and Canada have mature financial ecosystems that prioritize seamless data connectivity. High consumer willingness to adopt digital financial tools supports rapid aggregation adoption. Established fintech clusters and major technology companies further strengthen regional leadership. Financial institutions actively invest in analytics, API modernization, and cloud transformation. The region's robust cybersecurity infrastructure enhances trust in data-sharing platforms.
Over the forecast period, the Asia Pacific region is anticipated to exhibit the highest CAGR, owing to rapid digital transformation and expanding fintech ecosystems. Countries such as India, China, and Singapore are witnessing surging adoption of mobile banking and super-app financial services. Growing middle-class populations are increasingly seeking unified financial management tools. Government initiatives promoting open banking and digital payments are accelerating ecosystem development. Regional fintech startups are driving innovation in loans, wealthtech, and personal finance management using aggregated data. High internet penetration and mobile-first behavior further boost growth rates.
Key players in the market
Some of the key players in Financial Data Aggregation Market include Plaid, Kontomatik, Envestnet, GoCardless, Tink, Bud, TrueLayer, Flinks, Salt Edge, Akoya, MX, Trustly, Finicity, Token, and Yapily.
In November 2025, GoCardless has announced further support for grassroots football with 15 new partnerships with County Football Associations (FA) across England. The initiatives will not only help local teams focus less on chasing late payments, and more on building community, self-belief and lifelong healthy habits through football -- they will also see GoCardless working hand-in-hand with County FAs to champion accessibility, diversity, and inclusion across the game.
In June 2020, Mastercard announced it has entered into an agreement to acquire Finicity, a leading North American provider of real-time access to financial data and insights. The purchase price is US$825 million, and Finicity's existing shareholders have the potential for an earn-out of up to an additional $160 million, if performance targets are met.
Note: Tables for North America, Europe, APAC, South America, and Middle East & Africa Regions are also represented in the same manner as above.