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機器人諮詢服務：市場佔有率分析、產業趨勢與統計、成長預測（2024-2029）

Robo-advisory Services - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2024 - 2029)
出版日期: | 出版商: Mordor Intelligence | 英文 120 Pages | 商品交期: 2-3個工作天內

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簡介目錄

機器人諮詢服務市場規模預計到 2024 年為 115.2 億美元，預計到 2029 年將達到 457.5 億美元，在預測期內（2024-2029 年）成長 31.78%，複合年成長率成長。

機器人諮詢服務-市場

BFSI 行業的快速數位化正在加速數位投資的成長，其中機器人顧問發揮關鍵作用。機器人諮詢服務主要有利於那些不喜歡親自監控投資組合發展的被動投資者。

主要亮點

  • 最終用戶行業流程和業務的快速自動化是採用機器人諮詢服務的主要驅動力。這些服務消除了人力，因為線上平台以一小部分成本提供相同的服務。只要用戶連接到網際網路，該服務也可以 24/7 提供。
  • 一些新興國家正在促使該地區的公司加強對機器人諮詢服務的測試和研究。這些舉措預計將進一步成為市場成長的催化劑。例如，沙烏地阿拉伯資本市場管理局（CMA）已核准Wahed Capital 和 Haseed Investment Company 測試機器人諮詢服務。這是該國鼓勵在阿拉伯經濟中使用金融科技策略的一部分。
  • 在冠狀病毒爆發、封鎖和市場不確定性的背景下，我們看到全球 B2B 機器人顧問、數位投資、財務建議和投資組合管理激增。從傳統投資服務向機器人顧問投資服務的快速轉變也是推動市場成長的因素。此外，投資平台提供機器人顧問作為傳統投資服務的新數位財務顧問替代品，從而有可能擴大機器人顧問的範圍。
  • 機器人諮詢廣泛應用於零售銀行業務、財富管理等行業，用於分析資料並執行演算法計算，以發送推動市場前進的綜合訊息。此外，機器人顧問還提供實際的好處，例如損失彌補、低成本投資組合、更好的決策、安全可靠的投資，並有助於消除信用風險。預計這些因素將在預測期內推動產業成長。
  • 然而，機器人顧問提供的彈性有限，預計將限制預測期內的市場成長。此外，缺乏面對面會議預計會對投資者和顧問之間的協商造成障礙，從而阻礙市場成長。然而，對低成本投資顧問的需求預計將為市場成長帶來機會。此外，進階分析和巨量資料的使用增加可以顯著擴大機器人顧問的範圍。

機器人諮詢服務市場趨勢

投資顧問預計將受到最多關注

  • 機器人諮詢服務主要包括為個人提供個人理財相關的投資諮詢服務。機器人顧問正在迅速填補人類投資顧問留下的空白，包括能力、容量和成本，這主要是由於整個投資行業擴大採用數位化，再加上機器人技術中人工智慧的採用。
  • 由於金融領域投資諮詢中擴大採用技術分析，預計對機器人顧問的需求將會增加。推動產業成長的另一個因素是從傳統投資服務向機器人諮詢投資服務的快速轉變。此外，機器人顧問現在可以在投資平台而不是傳統的投資服務上使用，這使得機器人顧問變得更普及。
  • 該市場是由機器人諮詢廣泛使用演算法計算來評估資料並在零售銀行業務、財富管理等多個行業提供完整資訊所推動的。預計這些變數將在預測期內推動該行業的擴張。推動市場成長的關鍵因素之一是人工智慧（AI）和機器學習（ML）等新技術的出現。
  • 世界各地的金融科技公司既依賴技術，也依賴個人建議。他們正在快速打造機器人投顧服務，透過採用AI、ML等技術，為散戶投資者提供準確、透明的投顧服務，防止他們做出不準確的投資決策，進一步預防。
  • 機器人顧問的關鍵發展之一是在投資平台中擴大使用人工智慧和機器學習。例如，馬來西亞金融服務公司 Kenanga IB (KDI) 於 2022 年 2 月宣布推出 Kenanga Digital Investing。市場上最新的自動化人工智慧 (AI) 機器人顧問旨在讓財務決策變得更容易，為這個數位投資平台提供動力。

預計北美將主導市場

  • 投資管理機器人諮詢代表了以前專屬財富管理服務的突破，因為與傳統的人工協助相比，它可以讓更多的人以更低的成本獲得服務。機器人顧問透過收集有關客戶當前財務狀況的資訊來估計客戶的風險接受度。當機器人顧問決定如何分配客戶的資產時，它會考慮客戶的風險偏好和預期目標回報。
  • 北美地區預計將主導市場，因為 Betterment LLC、Charles Schwab &Co. Inc.、Wealthfront Inc. 和 Vanguard Group 等多家市場參與者都在該地區開展業務。該地區在技術進步和機器人產業方面也領先其他地區。市場上不同的公司正在創新和開發自己的產品，以利用先發優勢並最大限度地提高市場吸引力。
  • 一些金融機構正處於創新和開發先進平台的發展階段，為客戶提供機器人諮詢服務。例如，先鋒集團計劃推出機器人諮詢服務，該公司聲稱該服務將消除對人工建議的需求。
  • 例如，2022 年 5 月，Ally Financial 推出了新的財富管理服務，並聘請了人類顧問團隊來補充其現有的機器人諮詢服務。新增後，該公司現在將透過其服務向客戶提供一對一的財富建議。
  • 此外，北美對區塊鏈技術的投資正在增加。近年來，多個區塊鏈開發計劃在美國啟動，加速了市場成長。此外，該地區也是許多科技型中小企業的所在地。
  • 此外，公共關鍵服務和 BaaS 解決方案的整合也取得了重大進展，預計將在未來幾年為機器人諮詢創造新的成長前景。 BaaS 是一種雲端基礎的架構，可協助企業開發和營運區塊鏈應用程式。

機器人諮詢服務業概況

Betterment LLC、Wealthfront Inc. 和 The Vanguard Group 等主要企業佔據了大部分市場佔有率，從而增強了機器人諮詢服務市場的競爭形勢。這些市場公司正在進行產品創新，以佔領全球最大的市場佔有率。一些國家的政府也鼓勵小供應商以創新產品進入市場或結成策略聯盟。

2022 年 11 月，摩根大通推出了混合機器人顧問計劃，為投資者提供持續訪問數位投資平台和人力財務顧問的機會，從而縮小了其財富管理服務套件的差距。儘管摩根大通個人顧問向所有投資者開放，但該公司主要服務於對財富管理服務感興趣但不想與摩根大通分店顧問接觸的銀行和信用卡客戶，預計摩根大通會提供這種服務。

2022 年 3 月，歐洲最大、成長最快的零售投資者線上仲介flatexDEGIRO AG 與領先的獨立機器人顧問之一數位財富管理師Whitebox 簽署了一份合作備忘錄，擴大了其長期的 B2B 合作夥伴關係。 。個人投資者。 flatexDEGIRO 和 Whitebox 將共同為希望在德國開始使用 flatex 的 flatexDEGIRO 客戶提供完整的數位投資解決方案。

其他福利

  • Excel 格式的市場預測 (ME) 表
  • 3 個月分析師支持

目錄

第1章 簡介

  • 研究假設和市場定義
  • 調查範圍

第2章調查方法

第3章執行摘要

第4章市場動態

  • 市場概況
  • 市場促進因素
    • BFSI 產業數位化
    • 提高個人財務管理的成本效率
  • 市場限制因素
    • 缺乏人類專業知識和同理心
    • 科技的早期階段
  • 產業吸引力－波特五力分析
    • 供應商的議價能力
    • 買方議價能力
    • 新進入者的威脅
    • 替代產品的威脅
    • 競爭公司之間的敵意強度
  • COVID-19感染疾病對市場的影響分析

第5章市場區隔

  • 依服務類型
    • 投資顧問
    • 財富管理
    • 退休後規劃
    • 損失追收
  • 地區
    • 北美洲
    • 歐洲
    • 亞太地區
    • 世界其他地區

第6章 競爭形勢

  • 公司簡介
    • Betterment LLC
    • Wealthfront Corporation
    • The Vanguard Group Inc.
    • Charles Schwab &Co. Inc.
    • BlackRock Inc.（FutureAdvisor）
    • FMR LLC（Fidelity Go）
    • Roboadviso
    • M1 Holdings Inc.

第7章 投資分析

第8章市場機會及未來趨勢

簡介目錄
Product Code: 70172

The Robo-advisory Services Market size is estimated at USD 11.52 billion in 2024, and is expected to reach USD 45.75 billion by 2029, growing at a CAGR of 31.78% during the forecast period (2024-2029).

Robo-advisory Services - Market

The rapid digitization of the BFSI industry has accelerated the growth of digital investments in which Robo-advisors play a major role. The Robo-advisory services are beneficial majorly for passive investors who do not prefer personal monitoring of their portfolio development.

Key Highlights

  • Rapid automation of processes and businesses across end-user industries is acting as a major catalyst for the adoption of Robo-advisory services. These services eliminate human labor, as the online platforms offer the same services at a fraction of the cost. Also, the services are available 24/7 as long as the user has an Internet connection.
  • Several emerging economies are stimulating the regional players to enhance their testing and research of Robo-advisory services. These initiatives are further expected to act as a catalyst for market growth. For instance, Saudi Arabia's Capital Market Authority (CMA) approved Wahed Capital and Haseed Investing Company to test its Robo-advisory services. This was done as part of the country's strategy to encourage the use of financial technology in the Arab economy.
  • Amidst the coronavirus outbreak, lockdown, and market uncertainty, a surge in B2B Robo-advisors, Digital investing, financial advice, and portfolio management is witnessed globally. A rapid shift from traditional investment services to robo-advisory investment services is another factor in market growth. In addition, investment platforms are now offering robo-advisors as new digital financial advisors over traditional investment services, enabling the scope of expansion for robo-advisors.
  • The widespread use of robo-advisory throughout industrial verticals such as retail banking, asset management, and others for conducting algorithmic calculations to analyze data and transmit comprehensive information driving the market forward. Moreover, robo advisors offer specific benefits such as tax-loss harvesting, low-cost portfolio, better decision-making, safe and secure investments, and help eliminate credit risks. Such factors are anticipated to drive industry growth over the forecast period.
  • However, the limited flexibility offered by robo advisors is anticipated to restrain the market's growth during the forecast period. In addition, the lack of face-to-face meetings leading to consultation barriers between investors and advisors is also expected to hinder market growth. However, the demand for low-cost investment advisory is anticipated to open up opportunities for market growth. Furthermore, the growing usage of advanced analytics and big data can potentially broaden the scope of robo-advisors significantly.

Robo Advisory Services Market Trends

Investment Advisory Expected to Gain Maximum Traction

  • Robo-advisory services majorly include investment advisory services related to the personal finance of individuals. Robo-advisors are rapidly filling the gaps created by human investment advisors, such as capability, capacity, and cost, majorly due to the increase in the adoption of digitization across the investment industry, coupled with the adoption of AI in robotics.
  • The demand for robo-advisers is anticipated to increase due to the financial sector's increased adoption of technology-enabled analytics for investment consultations. Another driver of industry growth is the quick transition from traditional investment services to robo-advising investment services. Furthermore, robo-advisors are now available on investment platforms instead of traditional investment services, allowing for the spread of robo-advisors.
  • The market is being driven ahead by the extensive usage of robo-advisory across several industrial verticals, including retail banking, asset management, and others, for algorithmic calculations to evaluate data and provide thorough information. Over the forecast period, these variables are anticipated to fuel industry expansion. One of the key factors propelling the market's growth is the emergence of new technologies like artificial intelligence (AI) and machine learning (ML).
  • FinTechs across the world rely upon both technology and personal advisory. They are rapidly creating robo-advisory services by adopting technologies such as AI and ML, offering accurate and transparent advisory services to retail investors, further preventing them from making inaccurate investment decisions.
  • One of the main robo-adviser developments is the expanding use of AI and ML in investment platforms. For instance, the launch of Kenanga Digital Investing was announced by the Malaysian financial services company Kenanga IB in February 2022. (KDI). The market's newest automated Artificial Intelligence (AI) robo-advisor, which seeks to make financial decisions easier, powers this digital investing platform.

North America Expected to Dominate the Market

  • Investment management robo-advice is regarded as a breakthrough in the formerly exclusive wealth management services since it makes the services accessible to a wider audience at a cheaper cost in comparison to conventional human assistance. Robo-advisors estimate the client's risk tolerance by gathering information about the client's current financial status. The client's risk choices and intended target return are taken into account when the robo-advisor decides how to distribute the client's assets.
  • The North American region is expected to dominate the market owing to the presence of several market players in the region, such as Betterment LLC, Charles Schwab & Co. Inc., Wealthfront Inc., and Vanguard Group, amongst others. Also, the region has led other regions in terms of technological advancement and the robotics industry. Various companies in the market have been making product innovations and developments to leverage the first-mover advantage and gain maximum market traction.
  • Several financial institutions are still in the development phase to innovate and develop highly advanced platforms offering robo-advisory services to their customers. For instance, the Vanguard Group plans to launch a Robo-advisory service, which the company claims is expected to eliminate human advisory.
  • For instance, in May 2022, Ally Financial launched a new wealth management offering, hiring a team of human advisors in an effort to complement its existing robo-advisor service. With this addition, the company would be providing its customers with one-on-one wealth advice through the service.
  • Moreover, increasing investment in blockchain technology in North America. Several blockchain development projects have been initiated in the United States in recent years, accelerating the market's growth. In addition, this region is home to a significant number of small and medium-sized technology-based firms.
  • In addition, great progress has been made in the integration of public vital services with BaaS solutions, which is anticipated to create new growth prospects for the robo advisory over the next few years. BaaS is a cloud-based architecture that assists enterprises in developing and operating blockchain applications.

Robo Advisory Services Industry Overview

The competitive landscape of the Robo-advisory Services Market is consolidated owing to the presence of major players like Betterment LLC, Wealthfront Inc., and The Vanguard Group, amongst others holding the majority of the market share. These market players are making product innovations to capture maximum market share globally. Also, several economies' governments are stimulating smaller vendors to enter the market with innovative products or by forming strategic collaborations.

In November 2022, JPMorgan Chase was filling in a gap in its suite of wealth management services with the launch of a hybrid robo-advisor program that would offer investors a digital investment platform and ongoing access to a human, financial advisor. J.P. Morgan Personal Advisors is open to all investors, but the company envisions it primarily serving banking or credit card customers who are interested in wealth management services but wouldn't be inclined to engage with J.P. Morgan's in-branch advisors.

In March 2022, flatexDEGIRO AG, Europe's largest and fastest-growing online broker for retail investors, signed a Memorandum of Understanding (MoU) to extend its long-standing B2B partnership with digital wealth manager Whitebox, one of the leading independent robo-advisors for retail investors. Together, flatexDEGIRO and Whitebox would offer a fully digital investment solution to flatexDEGIRO's customers, aimed to start at flatex, Germany.

Additional Benefits:

  • The market estimate (ME) sheet in Excel format
  • 3 months of analyst support

TABLE OF CONTENTS

1 INTRODUCTION

  • 1.1 Study Assumptions and Market Definition
  • 1.2 Scope of the Study

2 RESEARCH METHODOLOGY

3 EXECUTIVE SUMMARY

4 MARKET DYNAMICS

  • 4.1 Market Overview
  • 4.2 Market Drivers
    • 4.2.1 Digitization of the BFSI Industry
    • 4.2.2 Cost-efficiency in Managing Personal Finance
  • 4.3 Market Restraints
    • 4.3.1 Lack of Human Expertise and Empathy
    • 4.3.2 Nascency of the Technology
  • 4.4 Industry Attractiveness - Porter's Five Forces Analysis
    • 4.4.1 Bargaining Power of Suppliers
    • 4.4.2 Bargaining Power of Buyers/Consumers
    • 4.4.3 Threat of New Entrants
    • 4.4.4 Threat of Substitute Products
    • 4.4.5 Intensity of Competitive Rivalry
  • 4.5 Analysis of Impact of COVID-19 on the Market

5 MARKET SEGMENTATION

  • 5.1 By Type of Services
    • 5.1.1 Investment Advisors
    • 5.1.2 Wealth Management
    • 5.1.3 Retirement Planning
    • 5.1.4 Tax-loss Harvesting
  • 5.2 Geography
    • 5.2.1 North America
    • 5.2.2 Europe
    • 5.2.3 Asia-Pacific
    • 5.2.4 Rest of the World

6 COMPETITIVE LANDSCAPE

  • 6.1 Company Profiles
    • 6.1.1 Betterment LLC
    • 6.1.2 Wealthfront Corporation
    • 6.1.3 The Vanguard Group Inc.
    • 6.1.4 Charles Schwab & Co. Inc.
    • 6.1.5 BlackRock Inc. (FutureAdvisor)
    • 6.1.6 FMR LLC (Fidelity Go)
    • 6.1.7 Roboadviso
    • 6.1.8 M1 Holdings Inc.

7 INVESTMENT ANALYSIS

8 MARKET OPPORTUNITIES AND FUTURE TRENDS