市場調查報告書
商品編碼
1466020
金融科技區塊鏈市場:按提供者、組織規模、應用、產業分類 - 2024-2030 年全球預測FinTech Blockchain Market by Provider, Organization Size, Application, Vertical - Global Forecast 2024-2030 |
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預計2023年金融科技區塊鏈市場規模為74.1億美元,2024年達99.5億美元,2030年預估達647.7億美元,複合年成長率為36.30%。
金融科技中的區塊鏈是一種分散式數位帳本,可安全地即時記錄多台電腦上的交易,確保資料完整性、透明度和不變性。金融科技中的區塊鏈技術可實現跨境付款、證券交易、數位身分認證等各種金融業務的高效處理和管理。這是透過簡化流程、降低成本並透過消除銀行和清算所等中介機構來提高安全性來實現的。此外,去中心化的性質允許透過智慧合約(作為在平台上編碼的預定義規則的自動執行合約)來增強參與者之間的協作。比特幣和以太坊等加密貨幣的流行和採用,以及金融科技產業對安全付款系統的需求,導致區塊鏈解決方案的採用增加。然而,每個國家不確定的監管標準和框架以及安全問題正在限制市場成長。另一方面,增加對金融科技和區塊鏈技術的投資以促進技術進步,以及人工智慧和機器學習在金融科技區塊鏈中的整合,預計將在未來幾年為市場創造良好的成長前景。
主要市場統計 | |
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基準年[2023] | 74.1億美元 |
預測年份 [2024] | 99.5億美元 |
預測年份 [2030] | 647.7億美元 |
複合年成長率(%) | 36.30% |
提供者擴大使用基礎設施和基礎通訊協定提供者來建立可擴展且安全的區塊鏈網路
應用程式和解決方案提供者為各種金融科技行業(包括銀行、保險、匯款、財富管理和資本市場)開發專業應用程式和端到端解決方案。這些提供者利用區塊鏈的核心功能,例如不變性、透明度和去中心化,來簡化流程、降低成本並增加參與者之間的信任。其他應用程式和解決方案提供智慧合約以實現交易自動化、去中心化應用程式(DApp)以提高安全性和透明度,以及代幣化平台以實現資產數位化。基礎設施和基礎通訊協定提供者為建立可擴展且安全的區塊鏈網路奠定了基礎,以支援整個金融科技產業的各種應用程式。這些基礎設施和基礎通訊協定提供者開發核心區塊鏈通訊協定,例如以太坊、確保資料完整性的客自訂化私有區塊鏈、檢驗交易的共識機制以及確保網路通訊安全的加密技術。這些供應商解決了可擴展性、不同網路之間的互通性和隱私問題等關鍵挑戰,同時提供了確保安全資料傳輸和儲存的共識演算法和加密機制等功能。我們還提供工具,使開發人員能夠使用預先建置的模板和軟體開發套件(SDK) 輕鬆建立應用程式。中間件和服務供應商透過提供工具、庫、API、Oracle和其他服務來彌合底層通訊協定和應用程式之間的差距,使開發人員可以輕鬆建立功能豐富的應用程式,從而進一步簡化整合現有的過程。中介軟體供應商促進各種金融科技區塊鏈元素的無縫整合,服務供應商透過分析平台和諮詢服務幫助企業最佳化其流程,從而幫助應對複雜的法規環境。服務提供者可以使用多重附加價值服務錢包來增強安全控制、用於監管合規性的身份驗證解決方案(KYC/AML)、資料儲存選項(例如去中心化文件系統)以及智慧合約中的鏈下安全性。
組織規模:尋求更快交易處理速度的大型企業擴大採用
區塊鏈解決方案可以透過提供去中心化、透明且高度安全的數位帳本系統來提高許多金融科技應用的效率、降低成本和風險,從而使金融科技領域的大型和小型企業受益。對於大型企業來說,區塊鏈透過智慧合約消除中介並實現流程自動化,從而實現更快的交易處理。分散式帳本技術 (DLT) 應用程式可讓大型企業與合作夥伴和客戶安全地共用資料,同時維護隱私。採用區塊鏈技術可以讓中小企業(SME)在市場競爭中獲得優勢。中小型企業可以利用區塊鏈提供的增強安全性來實現「了解您的客戶」(KYC) 合規流程,簡化客戶入職流程,同時降低詐欺風險。此外,由區塊鏈技術支援的跨境付款解決方案透過降低交易費用和即時付款為中小企業提供全球影響力。
擴大區塊鏈技術在應用付款、清算和付款應用的使用
在 KYC 流程中採用區塊鏈正在提高金融機構和組織的效率。區塊鏈解決方案可讓您將客戶資料儲存在安全的數位身分中,從而無需紙本文件和手動資料輸入。這使您能夠簡化入職流程並減少與傳統 KYC 流程相關的時間和成本。區塊鏈的分散式帳本系統透過簡化 KYC 程序並實現機構之間的安全資料共用來加強合規控制。這減少了重複,並最大限度地降低了與手動資料審核相關的營運風險和成本。將區塊鏈納入跨境付款系統可以更輕鬆地減少交易時間、提高透明度並確保可追溯性。由區塊鏈驅動的跨境付款可以實現無限銀行帳本之間的安全轉賬,繞過充當從一家銀行到另一家銀行轉賬中介的銀行仲介業者。交易所和匯款服務也透過引入P2P交易平台從區塊鏈技術中受益,這些平台可以實現安全且低成本的跨境交易。基於區塊鏈的交易和匯款服務使用分散式帳本技術,允許個人和組織直接髮送和接收資金,無需中介。基於區塊鏈的身分管理系統具有無與倫比的優勢,例如透明度、可追溯性和防篡改記錄。這些系統支援自我主權身份,使用者可以在沒有中介的情況下創建、管理和共用數位身分。智慧合約是金融科技的另一個重要方面,區塊鏈在其中發揮關鍵作用。這些自動執行的合約包含相關人員商定的預定義規則,當滿足某些條件時自動執行交易。區塊鏈平台上的智慧合約確保信任,降低詐騙風險,消除對中介機構以及銀行、律師事務所等傳統中介機構的需求。
按行業分類:銀行業廣泛應用區塊鏈技術實現流程自動化
銀行正在利用區塊鏈技術來改善跨境付款、貿易融資業務智慧合約、企業聯合貸款管理和了解你的客戶 (KYC) 流程等服務。區塊鏈提供了一種分散式帳本,可以實現更快、更透明的交易處理,同時減少詐欺和營運成本。透過採用智慧合約,銀行可以自動化貸款支付和身分驗證流程。在保險領域,區塊鏈技術透過簡化文件和投保人身份驗證來簡化索賠支付。透過P2P平台促進保險公司之間風險資料共用的透明度。
此外,區塊鏈的不可變帳本系統帶來的改進的詐欺檢測功能可以幫助保險公司大幅降低營運成本。非銀行金融服務(NBFC)也將受益於採用區塊鏈技術。資產管理者可以使用它來即時追蹤投資並安全地轉移所有權。P2P借貸平台和群眾集資網站可以受益於區塊鏈的去中心化性質,消除中介機構。它提高了資金轉移的透明度,同時提供了不可變的交易記錄。此外,區塊鏈的代幣化方面允許 NBFS 提供者透過資產支持代幣和 ICO(首次代幣發行)獲得替代資金來源。
區域洞察
在美洲,隨著金融中心的建立和加密貨幣使用的增加,金融科技區塊鏈技術的使用正在增加。美國、加拿大、巴西和墨西哥的金融科技公司致力於採用區塊鏈技術,以消除金融業務中對第三方中介機構的需求。美國、墨西哥、加拿大、巴西和阿根廷政府正在支持金融機構負責任的數位化以及金融流程中的區塊鏈整合,以擴大獲得安全金融服務的機會。由於數位交易的激增、政府對區塊鏈技術的舉措和投資以及金融科技區塊鏈技術的進步,亞太地區金融科技區塊鏈技術的使用顯著增加。新加坡和香港等國家透過數位轉型舉措確立了全球金融中心的地位。傳統金融機構正在與新興科技公司合作,利用他們在全部區域區塊鏈實施方面的專業知識來簡化跨境付款交易等流程。由於監管支持的增加、銀行和區塊鏈新興企業之間的合作以及對增強金融服務的需求不斷成長,歐洲、中東和非洲地區金融科技區塊鏈技術的採用正在顯著成長。歐盟 (EU) 實施了修訂後的付款服務指令 (PSD2),該指令透過應用程式介面 (API) 向第三方開放銀行資料,從而促進金融服務創新。
FPNV定位矩陣
FPNV定位矩陣對於評估金融科技區塊鏈市場至關重要。我們檢視與業務策略和產品滿意度相關的關鍵指標,以對供應商進行全面評估。這種深入的分析使用戶能夠根據自己的要求做出明智的決策。根據評估,供應商被分為四個成功程度不同的像限:前沿(F)、探路者(P)、利基(N)和重要(V)。
市場佔有率分析
市場佔有率分析是一種綜合工具,可以對金融科技區塊鏈市場中供應商的現狀進行深入而詳細的研究。全面比較和分析供應商在整體收益、基本客群和其他關鍵指標方面的貢獻,以便更好地了解公司的績效及其在爭奪市場佔有率時面臨的挑戰。此外,該分析還提供了對該行業競爭特徵的寶貴見解,包括在研究基準年觀察到的累積、分散主導地位和合併特徵等因素。這種詳細程度的提高使供應商能夠做出更明智的決策並制定有效的策略,從而在市場上獲得競爭優勢。
1. 市場滲透率:提供有關主要企業所服務的市場的全面資訊。
2. 市場開拓:我們深入研究利潤豐厚的新興市場,並分析其在成熟細分市場的滲透率。
3. 市場多元化:提供有關新產品發布、開拓地區、最新發展和投資的詳細資訊。
4. 競爭評估和情報:對主要企業的市場佔有率、策略、產品、認證、監管狀況、專利狀況和製造能力進行全面評估。
5. 產品開發與創新:提供對未來技術、研發活動和突破性產品開發的見解。
1.金融科技區塊鏈市場的市場規模與預測是多少?
2.金融科技區塊鏈市場預測期內需要考慮投資的產品、細分市場、應用程式和領域有哪些?
3.金融科技區塊鏈市場的技術趨勢和法規結構是什麼?
4.金融科技區塊鏈市場主要廠商的市場佔有率是多少?
5.進入金融科技區塊鏈市場的合適型態和策略手段是什麼?
[194 Pages Report] The FinTech Blockchain Market size was estimated at USD 7.41 billion in 2023 and expected to reach USD 9.95 billion in 2024, at a CAGR 36.30% to reach USD 64.77 billion by 2030.
Blockchain in FinTech is a decentralized and distributed digital ledger that securely records transactions across multiple computers in real-time, ensuring data integrity, transparency, and immutability. Blockchain technology in FinTech enables efficient processing and management of various financial operations such as cross-border payments, securities trading, and digital identity verification. It achieves this by eliminating intermediaries such as banks and clearinghouses, thereby streamlining processes, reducing costs, and enhancing security. Moreover, its decentralized nature allows for enhanced collaboration among participants through smart contracts as self-executing agreements with predefined rules encoded on the platform. The popularity and adoption of cryptocurrencies such as Bitcoin and Ethereum, along with the need for secure payment systems in the FinTech industry, has increased the adoption of blockchain solutions. However, uncertain regulatory standards and frameworks in various countries, along with security concerns, are restricting market growth. On the other hand, growing investments in FinTech and blockchain technology for technological advancement & integration of AI and ML in FinTech blockchain are expected to create lucrative growth prospects for the market in the upcoming years.
KEY MARKET STATISTICS | |
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Base Year [2023] | USD 7.41 billion |
Estimated Year [2024] | USD 9.95 billion |
Forecast Year [2030] | USD 64.77 billion |
CAGR (%) | 36.30% |
Provider: Expanding utilization by infrastructure & base protocol providers for building scalable and secure blockchain networks
Application & solution providers develop specialized applications and end-to-end solutions catering to various FinTech industries such as banking, insurance, remittance, asset management, and capital markets. These providers utilize core blockchain features, including immutability, transparency, and decentralization, to streamline processes, reduce costs, and increase participant trust. Further applications & solutions provide smart contracts to automate transactions, decentralized applications (DApps) for improved security and transparency, and tokenized platforms for digitizing assets. Infrastructure & base protocol providers set the foundation for building scalable and secure blockchain networks that power diverse applications across FinTech industries. These infrastructure & base protocol providers develop core blockchain protocols such as Ethereum or custom private blockchains that ensure data integrity, consensus mechanisms for validating transactions, and cryptographic techniques for securing network communications. These providers address key challenges such as scalability, interoperability between different networks, and privacy concerns while offering features such as consensus algorithms and encryption mechanisms that ensure secure data transmission and storage. It also provides tools that enable developers to easily create applications using pre-built templates or software development kits (SDKs). Middleware & service providers bridge the gap between base protocols and applications by offering tools, libraries, APIs, oracles, and other services that enable developers to build feature-rich applications with ease and further simplify the process of integrating existing systems with blockchain infrastructure while maintaining high standards of security and performance. Middleware providers facilitate seamless integration of various FinTech blockchain elements, while service providers help businesses optimize their processes through analytics platforms or consulting services that aid in navigating complex regulatory environments. Service providers offer value-added services like multi-signature wallets for enhanced security management, identity verification solutions for regulatory compliance (KYC/AML), data storage options such as decentralized file systems, and oracles for accessing off-chain data sources within smart contracts.
Organization Size: growing adoption by large enterprises for faster transaction processing
Blockchain solutions are beneficial for both large enterprises and small & medium-sized enterprises (SMEs) in the FinTech sector by providing a decentralized, transparent, and secure digital ledger system, resulting in improved efficiency, reduced costs, and mitigated risks in numerous FinTech applications. For large enterprises, blockchain enables faster transaction processing by eliminating intermediaries and automating processes through smart contracts. With Distributed Ledger Technology (DLT) applications, large organizations can securely share data with their partners and clients while maintaining privacy. The adoption of blockchain technology has positioned small & medium enterprises (SMEs) competitively within the market. SMEs leverage the enhanced security provided by blockchain for Know Your Customer (KYC) compliance processes, allowing them to streamline customer onboarding while reducing fraud risks. Furthermore, cross-border payment solutions powered by blockchain technology offer small & medium businesses global reach with reduced transaction fees and real-time settlements.
Application: Growing use of blockchain technology for payment, clearing & settlement application
The adoption of blockchain for KYC processes has increased efficiency in financial institutions & organizations. Customer data can be stored in a secure digital identity with blockchain solutions, eliminating the need for paper-based documents and manual data entry. This can streamline the onboarding process, reducing the time and cost associated with traditional KYC processes. Blockchain's distributed ledger system enhances compliance management by streamlining KYC procedures and enabling secure data sharing between institutions. This reduces duplication and minimizes operational risks and costs associated with manual data verification. Incorporating blockchain in a cross-border payment system facilitates a reduction in transaction times, enhanced transparency, and traceability. Blockchain-based cross-border payments can enable secure transfers between an infinite number of bank ledgers, bypassing banking intermediaries that serve as middlemen to help transfer money from one bank to another. Exchanges and remittance services also benefit from blockchain technology by introducing peer-to-peer trading platforms that allow for secure, low-cost transactions across borders. Blockchain-based exchanges & remittance services use distributed ledger technology to enable individuals and organizations to send and receive money directly without intermediaries. Blockchain-based identity management systems offer unparalleled benefits such as transparency, traceability, and tamper-proof records. These systems enable self-sovereign identities where users can create, manage, and share their digital identities without intermediaries. Smart contracts are another vital aspect of FinTech, where blockchain plays a significant role. These self-executing agreements contain predefined rules agreed upon by involved parties and automatically execute transactions once certain conditions are met. Smart contracts on blockchain platforms ensure trustworthiness, reduce fraud risks, and eliminate the need for middlemen or traditional intermediaries such as banks or legal firms.
Vertical: Wider application of blockchain technology by banking sector for automate their processes
Banks leverage blockchain technology to improve services like cross-border payments, smart contracts for trade finance operations, syndicated loan management, and Know Your Customer (KYC) processes. Blockchain provides a decentralized ledger that enables faster and more transparent processing of transactions while reducing fraud and operational costs. Banks can automate loan disbursal and identity verification processes by employing smart contracts. Blockchain technology simplifies claim settlements by streamlining the authentication of documents and policyholders' identities for the insurance sector. It promotes transparency in risk data sharing among insurers through peer-to-peer platforms.
Furthermore, with improved fraud detection capabilities enabled by blockchain's immutable ledger system, insurers can significantly lower operational costs. Non-banking financial services (NBFCs) also benefit from incorporating blockchain technology. Asset management firms can leverage it for real-time tracking of investments and secure transfer of ownership titles. Peer-to-peer lending platforms and crowdfunding portals can benefit from blockchain's decentralized nature that eliminates intermediaries. It enhances transparency during fund transfers while offering a tamper-proof record of transactions. Moreover, the tokenization aspect of blockchain allows NBFS providers to access alternative funding sources through asset-backed tokens or initial coin offerings (ICOs).
Regional Insights
In the Americas, well-established financial hubs and the increasing use of cryptocurrency raised the utilization of FinTech blockchain technology. FinTech companies in the United States, Canada, Brazil, and Mexico focus on employing blockchain technology to eliminate the need for third-party intermediaries in financial operations. The United States, Mexico, Canada, Brazil, and Argentina governments support responsible digitalization of financial institutes and blockchain integration in financial processes to expand access to safe financial services. In Asia-Pacific, rapidly rising digital transactions, government initiatives and investment in blockchain technology, and advancement in FinTech blockchain technology significantly increased the utilization of FinTech blockchain technology. Countries, including Singapore and Hong Kong, have established global financial centers by embracing digital transformation initiatives. Traditional finance institutions are partnering with emerging tech firms to leverage their expertise in blockchain implementation for streamlining processes such as cross-border payment transactions across the region. The adoption of FinTech blockchain technology in the EMEA region has experienced significant growth, owing to the increasing regulatory support, collaboration between banks and blockchain startups, and rising demand for enhanced financial services. The European Union (EU) implemented the revised Payment Services Directive (PSD2), which encourages innovation in financial services by opening up banking data to third parties through application programming interfaces (APIs).
FPNV Positioning Matrix
The FPNV Positioning Matrix is pivotal in evaluating the FinTech Blockchain Market. It offers a comprehensive assessment of vendors, examining key metrics related to Business Strategy and Product Satisfaction. This in-depth analysis empowers users to make well-informed decisions aligned with their requirements. Based on the evaluation, the vendors are then categorized into four distinct quadrants representing varying levels of success: Forefront (F), Pathfinder (P), Niche (N), or Vital (V).
Market Share Analysis
The Market Share Analysis is a comprehensive tool that provides an insightful and in-depth examination of the current state of vendors in the FinTech Blockchain Market. By meticulously comparing and analyzing vendor contributions in terms of overall revenue, customer base, and other key metrics, we can offer companies a greater understanding of their performance and the challenges they face when competing for market share. Additionally, this analysis provides valuable insights into the competitive nature of the sector, including factors such as accumulation, fragmentation dominance, and amalgamation traits observed over the base year period studied. With this expanded level of detail, vendors can make more informed decisions and devise effective strategies to gain a competitive edge in the market.
Key Company Profiles
The report delves into recent significant developments in the FinTech Blockchain Market, highlighting leading vendors and their innovative profiles. These include Accenture PLC, AlphaPoint, Amazon Web Services, Inc., Anchorage Digital, Applied Blockchain Ltd., Auxesis Group, Bitfury Group Limited, BitGo Holdings, Inc., BitPay, Inc., Blockchain.com, Inc., Chain Global Ltd., Chainalysis Inc., Circle Internet Financial, LLC, Coinbase Global, Inc., Consensys Software Inc., Digital Asset Holdings, LLC, Factom, Gemini Trust Company, LLC, GuardTime OU,, International Business Machines Corporation, JPMorgan Chase & Co., Kraken by Payward, Inc., Microsoft Corporation, Morgan Stanley, Oracle Corporation, R3 HoldCo LLC, Ripple Labs Inc., Stellar Development Foundation, Tata Consultancy Services, and Wipro.
Market Segmentation & Coverage
1. Market Penetration: It presents comprehensive information on the market provided by key players.
2. Market Development: It delves deep into lucrative emerging markets and analyzes the penetration across mature market segments.
3. Market Diversification: It provides detailed information on new product launches, untapped geographic regions, recent developments, and investments.
4. Competitive Assessment & Intelligence: It conducts an exhaustive assessment of market shares, strategies, products, certifications, regulatory approvals, patent landscape, and manufacturing capabilities of the leading players.
5. Product Development & Innovation: It offers intelligent insights on future technologies, R&D activities, and breakthrough product developments.
1. What is the market size and forecast of the FinTech Blockchain Market?
2. Which products, segments, applications, and areas should one consider investing in over the forecast period in the FinTech Blockchain Market?
3. What are the technology trends and regulatory frameworks in the FinTech Blockchain Market?
4. What is the market share of the leading vendors in the FinTech Blockchain Market?
5. Which modes and strategic moves are suitable for entering the FinTech Blockchain Market?