市場調查報告書
商品編碼
1471013
機器人顧問市場:經營模式、提供者、服務類型和最終用戶分類 - 2024-2030 年全球預測Robo Advisor Market by Business Model (Hybrid Robo Advisors, Pure Robo Advisors), Provider (Banks, Fintech Robo Advisors, Traditional Wealth Managers), Service Type, End-User - Global Forecast 2024-2030 |
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預計2023年機器人顧問市場規模為63.6億美元,預計2024年將達80.1億美元,2030年將達到333.8億美元,複合年成長率為26.71%。
機器人顧問是提供自動化財務規劃和投資管理服務的數位平台。機器人顧問以比傳統人類財務顧問低得多的成本為用戶提供個人化的投資建議、投資組合推薦和財富管理解決方案。金融業的擴張以及線上交易作為世界各地個人收入來源的日益普及正在加速機器人顧問的使用。此外,金融服務日益數位化增加了對高效財富管理解決方案的需求,進一步推動了對機器人顧問的需求。然而,有限的客製化選項和缺乏彈性可能會阻止客戶採用機器人顧問服務。提高機器人顧問性能和用戶體驗的持續進步預計將推動世界各地最終用戶採用機器人顧問。
主要市場統計 | |
---|---|
基準年[2023] | 63.6億美元 |
預測年份 [2024] | 80.1億美元 |
預測年份 [2030] | 333.8億美元 |
複合年成長率(%) | 26.71% |
經營模式混合機器人顧問正在尋求複雜財務規劃服務的投資者中擴大其潛力
混合機器人顧問將演算法主導的投資組合管理自動化與人類財務顧問的個人化支援相結合。這種模式使投資者能夠獲得針對其個人需求的更全面的服務,同時保持成本效率。純粹的機器人顧問使用演算法和定量模型來執行投資組合管理,無需直接人工輸入或互動。與混合模式相比,此類平台所需的最低投資金額較低,因此更容易為更廣泛的投資者所接受。雖然混合機器人顧問提供了更高程度的個人化和人際關係,並且可以吸引尋求客製化建議和複雜財務規劃服務的投資者,但純機器人顧問更喜歡提供數位體驗,並提高效能和建議品質。
提供者創新且具成本效益的投資服務提高了金融科技機器人顧問的受歡迎程度
銀行擴大提供類似機器人顧問的服務,以滿足精通技術的消費者並與獨立金融科技公司競爭。許多銀行正在利用其廣泛的客戶群和值得信賴的品牌來推廣機器人顧問解決方案。銀行通常提供機器人諮詢和人工財務諮詢的結合,吸引尋求混合服務模式的客戶。金融科技機器人顧問通常是機器人顧問領域的先驅,為主要數位化的客戶提供創新且具成本效益的投資服務。這些提供者的目標投資者是那些喜歡完全自動化的投資體驗而無需與顧問進行個人、人際互動的投資者。金融科技注重使用者體驗、低費用和可近性,旨在實現投資管理民主化,尤其受到千禧世代和首次投資者的歡迎。傳統的財富管理公司,也稱為現有資產管理公司,已經透過推出自己的機器人顧問服務來適應時代的變化。他們的目標是透過提供比傳統財富管理服務更便宜、更容易獲得的服務來擴大市場範圍。傳統財富管理機構提供機器人諮詢解決方案作為補充服務,吸引對技術主導和傳統投資諮詢服務感興趣的新客戶和現有客戶。
服務類型:擴大採用直接基於計劃或基於目標的服務,根據設定的目標相應地重新調整資產配置
基於直接計劃的服務專為喜歡直接投資的個人而設計。這種投資型態可以讓您保持較低的費用比率,因此您可以期待長期的高回報。機器人顧問採用複雜的演算法和預測模型來分析市場趨勢、歷史資料和財務健康狀況,以製定量身定做的投資計劃。投資策略中特別考慮風險管理,以平衡利潤預期和市場波動。您可以透過簡單的儀表板輕鬆監控您的投資組合,始終提供完全的透明度。基於目標的服務是為旨在實現特定財務目標的投資者提供的。您可以為特定目標儲蓄,例如住宅首付、子女教育或退休儲蓄。
最終用戶:個人投資者擴大採用機器人顧問來最佳化風險回報權衡。
富人越來越認知到機器人顧問是傳統財富管理服務的補充服務。富人擴大利用混合模式自動化系統的效率與複雜財務狀況下經常需要的個人化人類專業知識結合起來。超級富豪階級正在採用機器人顧問的服務,該服務提供自動化投資、財務顧問、自動化再平衡和稅收損失收穫。透過使用機器人顧問,個人投資者可以受益於低進入門檻、最低費用和客製化投資組合管理技術。個人投資者利用機器人顧問來最佳化投資者的風險回報權衡,並自動管理和重新平衡其投資組合。
區域洞察
科技的進步、對數位金融服務的需求增加以及千禧世代人口的成長正在推動美洲對機器人顧問的需求。隨著網路普及飆升以及央行鼓勵金融領域的數位創新,亞太地區機器人顧問平台正在迅速採用。在金融機構對金融科技和數位解決方案的投資以及促進透明度和投資者保護措施的強大監管框架的推動下,歐洲、中東和非洲地區智慧投顧解決方案的採用正在穩步成長。此外,完全整合的機器人顧問的開發以及將人類專業知識與數位效率相結合的混合模式的引入預計將推動全球最終用戶採用機器人顧問。
FPNV定位矩陣
FPNV 定位矩陣對於評估機器人顧問市場至關重要。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,可以對機器人顧問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。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,以獲得市場競爭優勢。
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.競爭評估與資訊: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、製造能力等進行全面評估。
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. 機器人顧問市場的市場規模與預測是多少?
2. 在智慧投顧市場預測期間內,有哪些產品、細分市場、應用程式和領域值得考慮投資?
3.智慧投顧市場的技術趨勢和法規結構是什麼?
4.智慧投顧市場主要廠商的市場佔有率是多少?
5.進入智慧投顧市場合適的型態和策略手段是什麼?
[181 Pages Report] The Robo Advisor Market size was estimated at USD 6.36 billion in 2023 and expected to reach USD 8.01 billion in 2024, at a CAGR 26.71% to reach USD 33.38 billion by 2030.
A robo advisor is a digital platform offering automated financial planning and investment management services. Robo advisors provide users with personalized investment advice, portfolio recommendations, and asset management solutions at a significantly lower cost compared to traditional human financial advisors. The expansion of financial sectors and the increasing popularity of online trading as a source of income among individuals worldwide are accelerating the use of robo-advisors. Additionally, growing digitization in financial services has increased the need for efficient wealth management solutions, further propelling the demand for robo advisors. However, limited customization options and lack of flexibility can refrain customers from adopting robo advisor services. The ongoing advancements in robo advisors to improve their performance and user experience are expected to encourage their adoption by end users worldwide.
KEY MARKET STATISTICS | |
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Base Year [2023] | USD 6.36 billion |
Estimated Year [2024] | USD 8.01 billion |
Forecast Year [2030] | USD 33.38 billion |
CAGR (%) | 26.71% |
Business Model: Growing potentail of hybrid robo advisors among investors seeking complex financial planning services
Hybrid robo advisors combine the automation of algorithm-driven portfolio management with personalized support from human financial advisors. This model provides investors with a more comprehensive service that caters to their individual needs while maintaining cost efficiency. Pure robo advisors use algorithms and quantitative models for portfolio management without direct human input or interaction. These platforms require a smaller minimum investment compared to hybrid models, making them accessible to a broader range of investors. Hybrid robo advisors offer an enhanced level of personalization and human connection that may appeal to investors seeking tailored advice or complex financial planning services, while pure robo advisors are preferred to achieve a digital experience with enhanced performance and quality of advice.
Provider: Growing popularity of fintech robo advisors due to innovative and cost-effective investment services
Banks have increasingly integrated robo advisory services into their offerings to cater to tech-savvy consumers and to compete with standalone fintech companies. Many are now leveraging their extensive customer base and trusted brand name to promote their robo advisor solutions. Banks typically offer a combination of robo advisory and human financial advice, which can be appealing to customers looking for a hybrid service model. Fintech Robo Advisors are often pioneers in the robo advisory space, offering innovative and cost-effective investment services to a primarily digitally-minded clientele. These providers target investors who are comfortable with a fully automated investment experience without the need for personal, human advisor interaction. With a focus on user experience, low fees, and accessibility, fintech robo advisors aim to democratize investment management and are particularly popular among millennials and first-time investors. Traditional Wealth Managers, also known as incumbent asset management firms, have adapted to the changing times by introducing their own robo advisor services. Their goal is to extend their market reach by offering more accessible services at a lower price point compared to their conventional wealth management services. Traditional Wealth Managers provide robo advisory solutions as a complementary service, appealing to both new and existing clients interested in a mix of tech-driven and traditional investment advisory services.
Service Type: Growing adoption of direct plan-based or goal-based that readjusts the asset allocation accordingly to align with the set goal
The direct plan-based service is designed specifically for individuals who prefer to invest directly. This form of investment allows for a lower expense ratio, resulting in higher returns in the long run. Robo-advisor employs advanced algorithms and predictive models to analyze market trends, historical data, and financial conditions to create bespoke investment plans. Special attention to risk management is integrated into the investment strategy to balance profit expectations with market volatility. The investment portfolio can be monitored easily through a simple dashboard, providing complete transparency at all times. The goal-based service is meant for investors aiming towards certain financial objectives. It could be saving for a down payment on a house, a child's education, retirement, or any specific goal that in mind.
End-User: Emerging adoption of robo advisor among retail investors to optimize risk-return tradeoff
The high net worth individuals are increasingly recognizing robo advisors as a complementary service that operates alongside traditional wealth management services. High-worth individuals are inclined to use these hybrid models as it combines the efficiency of automated systems with the personalized human expertise often required in complex financial situations. The ultra high net worth individuals adopt robo advisor's services as it gives them access to automated investing and financial advisors, automatic rebalancing, and tax loss harvesting. Retail investors benefit from robo advisors through low entry barriers, minimal fees, and a tailored portfolio management approach. Retail investors adopt robo advisors, which optimize investors' risk-return tradeoff and automatically manage and rebalance their portfolios.
Regional Insights
Evolving technology, increasing demand for digital financial services, and growing millennial population have contributed to the elevated demand for robo advisors in the Americas. The APAC is witnessing rapid adoption of robo advisory platforms due to the surging internet penetration rate and central banks encouraging digital innovation in finance. Steady growth in the adoption of robo advisory solutions due to the robust regulatory frameworks that promote transparency and investor protection measures alongside investment in fintech and digital solutions by financial institutions are expanding the usage of robo advisors in the EMEA region. Furthermore, the development of fully integrated robo advisors and the introduction of hybrid models combining human expertise with digital efficiency is anticipated to encourage the adoption of robo advisors by end-users across the globe.
FPNV Positioning Matrix
The FPNV Positioning Matrix is pivotal in evaluating the Robo Advisor 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 Robo Advisor 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 Robo Advisor Market, highlighting leading vendors and their innovative profiles. These include Acorns Grow Incorporated, Ally Financial Inc., Axos Financial, Inc., Capital One, Charles Schwab Corporation, Covestor Ltd., E*TRADE by Morgan Stanley, Fincite GmbH, FMR LLC, Ginmon Vermogensverwaltung GmbH, M1 Holdings Inc., Merrill Guided Investing by Bank of America Corporation, MFM Investment Ltd., Mphasis, Profile Software S.A., Qraft Technologies Inc., QuietGrowth Pty. Ltd., Scalable Capital GmbH, SigFig Wealth Management, LLC, Social Finance, Inc., The Vanguard Group Inc., Wealthfront Inc., Wells Fargo Clearing Services, LLC, and Zacks Advantage.
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 Robo Advisor Market?
2. Which products, segments, applications, and areas should one consider investing in over the forecast period in the Robo Advisor Market?
3. What are the technology trends and regulatory frameworks in the Robo Advisor Market?
4. What is the market share of the leading vendors in the Robo Advisor Market?
5. Which modes and strategic moves are suitable for entering the Robo Advisor Market?