市場調查報告書
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1574126
金融科技領域的 5G 市場 - 2024 年至 2029 年預測5G in Fintech Market - Forecasts from 2024 to 2029 |
金融科技領域的 5G 市場預計複合年成長率為 44.53%,從 2024 年的 194.18 億美元增至 2029 年的 1,224.7 億美元。
5G(第五代行動行動電話網路技術)是行動電話網路產業的最新技術。與上一代相比,它提供更快的網路速度和更高的上傳和下載速度。 5G技術還提供了更大的網路容量和穩定的網路連接。它具有多種優勢,包括更低的網路連接延遲和更統一的用戶體驗。在金融科技領域,5G可以提供許多重要的應用。
在Fintech,或者說金融科技業,資料起著關鍵作用,每一個舉動都會產生大量的資料。 5G技術的可靠連接和高連接速度將使金融科技行業的即時資料收集、分析和傳輸成為可能。此外,透過將5G應用於金融科技,多個公司和組織可以引入人工智慧(AI)和資料分析等各種新技術,從而高效、快速地收集和分析資料成為可能。 5G在金融科技領域的使用也將透過減少延遲並為用戶提供更快的服務來幫助改善和最佳化用戶體驗。
全球網路安全和資料外洩風險的增加預計將成為全球5G金融科技市場的主要限制因素。世界各地的資料外洩和網路攻擊不斷增加,迫使金融科技業等資料主導產業投入大量資金來保護資料。
預計5G技術的高速率和接收能力很可能會提高整體資料庫檢查並加速網路覆蓋。 5G技術也具有較高的產業適用性,其在金融科技領域的運用也類似。該技術具有高性能優勢,例如簡化融資、保護交易管道、增強詐欺檢測、減少延遲以及為客戶服務提供人工智慧和虛擬實境。
全球金融科技領域的快速發展正在推動非接觸式交易、開戶、房屋抵押貸款並推動對高速網路連接的需求。這使得 5G 技術成為該行業的理想選擇,因為它可以提供即時的用戶體驗。同樣,快速的都市化也在加速向現代數位銀行方式的轉型,並且全球範圍內向線上和行動銀行轉型的規模正在不斷擴大。例如,根據GSM《2024年行動經濟產業狀況報告》,2023年註冊行動活躍帳戶數將達到17.3億,與前一年同期比較成長12%。同年,活躍行動貨幣帳戶數達4.35億,成長9%。
金融科技5G市場地理版圖
預計亞太地區將在全球 5G 金融科技市場中佔據重要佔有率。該地區5G金融科技產業成長的主要驅動力之一是5G技術的持續擴展和金融科技產業的加速發展。該地區的許多國家,如印度、日本、中國和新加坡,在全球範圍內擁有龐大且發達的金融業,該地區的許多國家也在尋求擴大其金融版圖,採用和開發新的金融科技解決方案。印度開發的 UPI(統一支付介面)等技術正在大幅成長,隨著 5G 技術在全國範圍內的採用,預計需求將會更高。
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The 5G in fintech market is anticipated to expand at a CAGR of 44.53% to attain US$122.470 billion by 2029, from US$19.418 billion in 2024.
5G, or the fifth-generation technology for cellular networks, is the latest development in the cellular network industry. It offers a higher internet speed, with greater uploading and downloading speeds than previous generations. The 5G technology also offers improved network capacity and consistent network connections. It offers multiple benefits, like reduced latency in network connection and a uniform user experience. In the fintech sector, 5G can offer many critical applications.
Data plays a critical role in fintech, or the financial technology industry, generating huge amounts of data every passing movement. The reliable connectivity and higher connectivity speed of the 5G technology enable the fintech industry in real-time data collection, analysis, and transfer. The application of 5G in fintech also enables multiple companies and organizations to implement various new technologies, like artificial intelligence (AI) and data analytics, for efficient and faster data collection and analysis. Using 5G in the fintech sector also helps in improving and optimizing user experience, as it reduces waiting time and enhances faster services for users.
The increasing global risk of cybersecurity and data breaches is forecasted to be a major restraint to the global 5G in the fintech market. The world has witnessed an increasing number of breaches and cyberattacks, forcing data-driven industries, like the fintech sector, to invest large amounts in securing their data.
The high speed and receptivity capability of the 5G technology is estimated to improve the overall database checking and its high potential to accelerate the network coverage. The 5G technology also has high industrial applicability, and its usage in the fintech sector is not different. This technology provides high-performance benefits such as streamlining lending, securing transaction channels, enhancing fraud detection, reducing latency, and offering AI and VR for customer offerings.
The rapid evolution of the fintech sector globally will bolster contactless transactions, account opening, and mortgages, driving the demand for high-speed network connectivity. This can provide a real-time user experience, making 5G technology an ideal option for the industry. Similarly, rapid urbanization has also fastened the transition towards a modern and digital banking approach, enhancing the scale of online and mobile banking transitions globally. For instance, according to GSM's "The State of the Industry Report on Mobile Economy 2024", the registered mobile active account in 2023 reached up to 1.73 billion, signifying a 12% YoY growth. In the same year, the strength of active mobile money accounts stood at 435 million, which represented a 9% growth.
5G in Fintech Market Geographical Outlook
The Asian Pacific region is estimated to attain a greater share in the global 5G fintech market. One of the major driving factors pushing the growth of the regional 5G in the fintech sector can be the continuous expansion of 5G technology and increasing development in the fintech sectors. Various countries in the region, like India, Japan, China, and Singapore, have a large and developed financial sector worldwide, with many countries in the region also adopting and developing new fintech solutions to expand their financial landscape. Technologies like the UPI (Unified Payments Interface), developed by India, have witnessed massive growth and are further expected to attain higher demand with the adoption of 5G technology nationwide.
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