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市场调查报告书
商品编码
1843802
全球金融科技人工智慧市场报告(2025 年)AI in FinTech Global Market Report 2025 |
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近年来,人工智慧在金融科技领域的市场规模迅速扩张,预计将从2024年的141.3亿美元成长到2025年的176.9亿美元,复合年增长率达25.2%。这段期间的成长将主要由风险管理和诈欺预防、改善客户体验、自动化日常任务、数据分析辅助决策以及演算法交易和投资等应用领域所驱动。
预计未来几年,金融科技领域的人工智慧市场将呈指数级增长,到2029年市场规模将达到510.8亿美元,复合年增长率(CAGR)高达30.4%。预测期内的成长主要归功于聊天机器人和虚拟助理的日益普及、对监管合规的日益重视以及智能投顾在财富管理领域的应用。预测期内的关键趋势包括:自动化监管合规、替代信用评分模型、交叉销售和提升销售建议、人工智慧增强网路安全以及去中心化金融(DeFi)自动化。
金融科技人工智慧涵盖了金融科技领域先进技术的应用。它涉及资料收集、资讯分析、保障交易安全、开发以客户为中心的产品以及优化流程等任务,在金融科技公司中发挥着至关重要的作用。人工智慧的整合能够增强安全措施、提升分析能力、提供宝贵洞察、实现虚拟助理和部署聊天机器人,从而简化金融科技领域的运作。
主要产品类型包括解决方案和服务。以金融科技为导向的人工智慧解决方案包括决策工具、自动化客户支援系统、诈欺侦测机制、理赔管理平台和自动化虚拟助理。这些解决方案可透过云端基础和本机部署模式进行部署。这些应用涵盖资产管理、风险调查、商业分析、合规监管、资料收集、预测分析、虚拟助理以及金融科技领域的其他各种功能。
美国在2025年春季突然提高关税及其引发的贸易摩擦,对资讯科技产业,特别是硬体製造、资料基础设施和软体部署领域,产生了重大影响。进口半导体、电路基板和网路设备的关税上涨,推高了高科技公司、云端服务供应商和资料中心的生产和营运成本。在全球范围内采购笔记型电脑、伺服器和消费电子产品零件的公司,面临更长的前置作业时间週期和价格压力。同时,对专用软体征收的关税以及主要国际市场的报復性措施,扰乱了全球IT供应链,并降低了海外对美国製造技术的需求。为了应对这些挑战,该产业正在加大对国内晶片生产的投资,扩大供应商网络,并利用人工智慧驱动的自动化技术来增强韧性,更有效地控製成本。
这份人工智慧金融科技市场研究报告是商业研究公司最新报告系列的一部分,提供人工智慧金融科技市场统计数据,例如全球人工智慧金融科技产业的市场规模、区域份额、市场份额及竞争对手、详细的市场区隔、市场趋势和商业机会等。这份人工智慧金融科技市场研究报告对该行业的现状和未来发展趋势进行了详细分析,为您提供所需的一切全面资讯。
我们预测未来五年该市场将成长30.4%,较先前预测略微下调0.5%。这一下调主要归因于美国与其他国家之间的关税影响。关税可能直接影响美国的影响范围将更加广泛。
金融科技和金融机构对诈欺侦测的需求是推动人工智慧在金融科技市场扩张的主要动力。由机器学习演算法驱动的人工智慧(AI)能够吸收新数据,并透过处理每个新数据集来提升其学习能力。这种持续学习的特性使银行能够透过人工智慧技术获得更深入的洞察。其关键优势在于演算法能够随着数据的累积和吸收而不断演进。根据普华永道2022年对英国金融服务提供者的调查,46%的机构报告在过去24个月内曾发生诈骗、腐败或经济犯罪事件。此外,截至2021年9月,《金融科技新闻》(FintechNews)报道称,银行对基于人工智慧的解决方案的采用率空前高涨,在人工智慧应用方面的投资超过2170亿美元,尤其是在欺诈预防和风险评估等中台职能方面。金融科技领域对诈欺侦测的迫切需求持续推动着金融科技人工智慧市场的成长。
人工智慧在金融科技市场的未来成长将主要受小型企业数量的增加所驱动。与大型企业相比,小型企业的业务范围、员工人数和财务资源都相对有限。人工智慧(AI)为小型企业提供多种用途和优势,帮助他们简化营运、提升决策能力、改善客户体验并降低财务风险。例如,英国线上资源与咨询平台Startups.co.uk发布的报告显示,截至2024年2月,英国新业务较2023年显着增加19.5%,总合39,966家。这比2022年同期成长了6.5%。因此,小型企业的成长很可能推动人工智慧在金融科技市场的扩张。
人工智慧金融科技市场的主要企业正致力于开发技术创新,例如嵌入人工智慧的银行平台,旨在透过个人化服务、诈欺检测和强化风险管理来改善客户体验并简化营运。这些创新旨在提供更有效率、更安全的金融解决方案。人工智慧驱动的银行平台利用人工智慧技术来改善个人化、诈欺侦测和客户支援等服务。它们还透过先进的数据分析和自动化来增强营运和决策能力。例如,总部位于瑞士的软体公司 Temenos 于 2024 年 5 月发布了“负责任的生成式人工智慧解决方案”,该方案透过提供数据驱动的洞察来提高营运效率和决策能力,同时促进道德实践、透明度和风险缓解。这些解决方案促进了创新和个人化,帮助企业在快速变化的环境中保持竞争力。
金融科技人工智慧领域的领导企业正专注于开发人工智慧财富管理平台等尖端技术。这些解决方案利用人工智慧和机器学习演算法,提供量身定制的自动化投资策略和财务规划服务。总部位于美国的金融科技公司TIFIN于2023年7月推出了「TIFIN.AI」。这些财富管理领域的进步将提升咨询服务和产品在各个领域的交付水平,并涵盖多种应用,包括为顾问提供客户投资组合洞察、探索另类投资管道、提供职场财富管理服务以及解决保险相关问题。
2023年6月,总部位于美国的金融科技公司CircleUp以未揭露的价格收购了Brightflow AI。此次收购对CircleUp而言意义重大,旨在透过数据主导的洞察,增强现金流管理并推动明智的决策。透过将Brightflow AI的金融智慧套件包整合到自身营运中,CircleUp力求发挥其现有的数据和机器学习能力优势,打造一套专为寻求业务拓展策略指南的消费品公司量身定制的综合解决方案。同样位于美国的Brightflow AI则专注于提供强大的金融智慧平台。
金融科技领域的人工智慧(AI)市场涵盖网站开发服务、巨量资料开发服务、客製化软体开发、DevOps服务、物联网开发服务、软体开发外包等。该市场的价值为“出厂价”,即製造商或生产商向其他营业单位(包括下游製造商、批发商、经销商和零售商)或直接向终端客户销售的商品价值。此外,该市场中的商品价值还包括製造商提供的任何相关服务。
AI within fintech encompasses the utilization of advanced technology in the financial technology sector. It plays a pivotal role in fintech companies, encompassing tasks such as data collection, information analysis, transaction security facilitation, development of customer-centric products, and process optimization. Its integration ensures enhanced security measures, improved analytics capabilities, valuable insights, virtual assistance, and the implementation of chatbots to streamline operations within the fintech domain.
The primary product categories encompass solutions and services. AI solutions in fintech entail decision-making tools, automated customer support systems, fraud detection mechanisms, claims management platforms, and automated virtual financial assistants. These solutions are deployed through cloud-based and on-premise models. Their applications span asset management, risk investigation, business analytics, regulatory compliance, data collection, predictive analytics, virtual assistance, and various other functionalities within the fintech domain.
Note that the outlook for this market is being affected by rapid changes in trade relations and tariffs globally. The report will be updated prior to delivery to reflect the latest status, including revised forecasts and quantified impact analysis. The report's Recommendations and Conclusions sections will be updated to give strategies for entities dealing with the fast-moving international environment.
The sharp rise in U.S. tariffs and the ensuing trade tensions in spring 2025 are having a significant impact on the information technology sector, especially in hardware manufacturing, data infrastructure, and software deployment. Increased duties on imported semiconductors, circuit boards, and networking equipment have driven up production and operating costs for tech companies, cloud service providers, and data centers. Firms that depend on globally sourced components for laptops, servers, and consumer electronics are grappling with extended lead times and mounting pricing pressures. At the same time, tariffs on specialized software and retaliatory actions by key international markets have disrupted global IT supply chains and dampened foreign demand for U.S.-made technologies. In response, the sector is ramping up investments in domestic chip production, broadening its supplier network, and leveraging AI-powered automation to improve resilience and manage costs more effectively.
The AI in fintech market research report is one of a series of new reports from The Business Research Company that provides AI in fintech market statistics, including AI in fintech industry global market size, regional shares, competitors with an AI in fintech market share, detailed ai in fintech market segments, market trends and opportunities, and any further data you may need to thrive in the AI in fintech industry. This AI in fintech market research report delivers a complete perspective of everything you need, with an in-depth analysis of the current and future scenarios of the industry.
The ai in fintech market size has grown exponentially in recent years. It will grow from $14.13 billion in 2024 to $17.69 billion in 2025 at a compound annual growth rate (CAGR) of 25.2%. The growth in the historic period can be attributed to risk management and fraud prevention, enhanced customer experience, automation of routine tasks, data analytics for decision-making, algorithmic trading and investment.
The ai in fintech market size is expected to see exponential growth in the next few years. It will grow to $51.08 billion in 2029 at a compound annual growth rate (CAGR) of 30.4%. The growth in the forecast period can be attributed to expanding use of chatbots and virtual assistants, increased focus on regulatory compliance, robo-advisors for wealth management. Major trends in the forecast period include regulatory compliance automation, alternative credit scoring models, cross-selling and upselling recommendations, cybersecurity enhancement with AI, decentralized finance (DeFi) automation.
The forecast of 30.4% growth over the next five years reflects a modest reduction of 0.5% from the previous estimate for this market. This reduction is primarily due to the impact of tariffs between the US and other countries. This is likely to directly affect the US by increasing costs for fraud detection and algorithmic trading systems, dependent on AI accelerators from China and Israel, reducing competitiveness in financial markets. The effect will also be felt more widely due to reciprocal tariffs and the negative effect on the global economy and trade due to increased trade tensions and restrictions.
The imperative for fraud detection within fintech and financial institutions significantly fuels the expansion of AI in the fintech market. Artificial intelligence, powered by machine learning algorithms, has the capacity to assimilate new data, progressively enhancing its learning with each dataset processed. This continuous learning curve enables banks to gain deeper insights through AI technology. A key advantage lies in the algorithm's ability to evolve over time by accumulating and assimilating more data, thus perpetually refining its capabilities. According to PricewaterhouseCoopers's 2022 survey of UK-based financial service providers, 46% of organizations reported incidents of fraud, corruption, or economic crimes in the preceding 24 months. Additionally, as of September 2021, FintechNews reported an unprecedented adoption of AI-based solutions by banks, with investments exceeding $217 billion in AI applications for middle-office functions, particularly in fraud prevention and risk assessment. This pressing need for fraud detection within fintech continues to propel the market growth for AI in fintech.
The increasing number of small-scale enterprises is driving the growth of AI in the fintech market in the future. Small-scale enterprises are defined as businesses that have a relatively limited scope of operations, workforce, and financial resources compared to larger companies. AI (Artificial Intelligence) in fintech provides various applications and advantages for small enterprises, aiding them in streamlining operations, enhancing decision-making, improving customer experiences, and reducing financial risks. For example, a report from Startups.co.uk, a UK-based online resource and advisory platform, indicated in February 2024 that 2023 experienced a significant 19.5% rise in new businesses, totaling 39,966 new establishments. This marks a 6.5% increase compared to the same period in 2022. Thus, the growing number of small-scale enterprises will propel the expansion of AI in the fintech market.
Leading companies in the AI fintech market are concentrating on developing technological innovations, such as AI-infused banking platforms, to improve customer experiences and streamline operations through personalized services, fraud detection, and enhanced risk management. These innovations aim to deliver more efficient and secure financial solutions. An AI-infused banking platform leverages artificial intelligence to improve services such as personalization, fraud detection, and customer support. It enhances operations and decision-making through advanced data analysis and automation. For example, in May 2024, Temenos, a Switzerland-based software firm, introduced Responsible Generative AI Solutions, which improved operational efficiency and decision-making by providing data-driven insights while promoting ethical practices, transparency, and risk mitigation. These solutions encourage innovation and personalization, helping organizations remain competitive in a rapidly changing environment.
Prominent entities within the AI in fintech sector are directing efforts toward pioneering technologies such as AI-based wealth management platforms. These solutions harness the power of artificial intelligence and machine learning algorithms to deliver tailored and automated investment strategies and financial planning services. A case in point is TIFIN, a US-based fintech company, which introduced 'TIFIN.AI' in July 2023. These advancements in wealth management elevate advisory services and product offerings across various spheres, encompassing client portfolio insights for advisors, exploration of alternative investment avenues, workplace wealth management services, and addressing insurance-related considerations, among a spectrum of applications.
In June 2023, CircleUp, a US-based fintech firm, strategically acquired Brightflow AI for an undisclosed sum. This acquisition serves as a pivotal move for CircleUp, aiming to enhance its cash flow management and drive informed decision-making through data-driven insights. By integrating Brightflow AI's financial intelligence toolkit into its operations, CircleUp endeavors to synergize its existing data and machine learning capabilities, thereby pioneering a comprehensive solution tailored specifically for consumer companies seeking strategic guidance in expanding their businesses. Brightflow AI, also based in the US, specializes in providing a robust financial intelligence platform.
Major companies operating in the AI in fintech market include Alphabet Inc., Microsoft Corporation, Klarna Inc., Amazon Web Services Inc., Intel Corporation, International Business Machines Corporation, PayPal Holdings Inc., Square Inc., Salesforce.com Inc., Stripe Inc., Social Finance Inc., Robinhood Markets Inc., Nuance Communications Inc., Affirm Inc., Revolut Ltd., Adyen N.V., Ant Financial Services Group, On Deck Capital Inc., Kabbage Inc., Plaid Inc., IPsoft Inc., Onfido Limited, Betterment LLC, Funding Circle Limited, Wealthfront Corporation, Kensho Technologies Inc., Inbenta Technologies Inc., Trifacta Inc., Next IT Corporation, Zeitgold GmbH, ZestFinance Inc., Ayasdi Inc., FeedzAI inc., Numerai LLC, Riskified Ltd., Oscar Health Inc., Ripple Labs Inc., Chainalysis Inc., ThetaRay Ltd., Darktrace Limited, TruValue Labs Inc., Wealthsimple Inc., TrueAccord Corporation
North America was the largest region in the AI in fintech market in 2024. The regions covered in the ai in fintech market report are Asia-Pacific, Western Europe, Eastern Europe, North America, South America, Middle East, Africa.
The countries covered in the ai in fintech market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Russia, South Korea, UK, USA, Canada, Italy, Spain.
The artificial intelligence (AI) in fintech market consists of sales of web development services, big data development services, custom software development, DevOps services, IoT development services, outsourcing software development. Values in this market are 'factory gate' values, that is the value of goods sold by the manufacturers or creators of the goods, whether to other entities (including downstream manufacturers, wholesalers, distributors and retailers) or directly to end customers. The value of goods in this market includes related services sold by the creators of the goods.
The market value is defined as the revenues that enterprises gain from the sale of goods and/or services within the specified market and geography through sales, grants, or donations in terms of the currency (in USD, unless otherwise specified).
The revenues for a specified geography are consumption values that are revenues generated by organizations in the specified geography within the market, irrespective of where they are produced. It does not include revenues from resales along the supply chain, either further along the supply chain or as part of other products.
AI in FinTech Global Market Report 2025 from The Business Research Company provides strategists, marketers and senior management with the critical information they need to assess the market.
This report focuses on ai in fintech market which is experiencing strong growth. The report gives a guide to the trends which will be shaping the market over the next ten years and beyond.
Where is the largest and fastest growing market for ai in fintech ? How does the market relate to the overall economy, demography and other similar markets? What forces will shape the market going forward, including technological disruption, regulatory shifts, and changing consumer preferences? The ai in fintech market global report from the Business Research Company answers all these questions and many more.
The report covers market characteristics, size and growth, segmentation, regional and country breakdowns, competitive landscape, market shares, trends and strategies for this market. It traces the market's historic and forecast market growth by geography.
The forecasts are made after considering the major factors currently impacting the market. These include the technological advancements such as AI and automation, Russia-Ukraine war, trade tariffs (government-imposed import/export duties), elevated inflation and interest rates.