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市場調查報告書
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1524193

金融科技全球市場：市場佔有率分析、產業趨勢/統計、成長預測（2024-2029）

Global Fintech - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2024 - 2029)
出版日期: | 出版商: Mordor Intelligence | 英文 150 Pages | 商品交期: 2-3個工作天內

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簡介目錄

預計2024年全球金融科技市場規模為3,129.2億美元，2029年預計將達到6,083.5億美元，複合年成長率預計將成長14%以上。

全球金融科技市場

在金融業，FinTech代表金融科技。在提供自動化和增強型金融服務的業務中，金融科技指的是電腦程式和其他現代技術。隨著時間的推移，金融科技領域取得了顯著發展，導致公司變得更加以客戶為導向。因此，新興企業公司到高科技公司再到老字型大小企業，在全球眾多企業中找到一席之地可能很困難。金融科技和金融服務機構在不斷變化的商業環境中追求新的創造性理念，並以協作或競爭的方式搶佔彼此的先機。

一系列危機一直是金融科技業成長的推動力。自上次全球金融危機以來，金融科技投資穩定成長。傳統金融服務業在危機期間和危機後受到嚴重擠壓，其弱點轉化為技術反彈，導致該行業擴張。同樣，COVID-19大流行也對全球經濟造成了災難性影響，標誌著衰退的開始。受這場危機的影響，金融科技業發展更加迅速。大型金融機構透過與新興科技公司合作來應對這場流行病，以進入新市場。即使公司本身尋求與主要銀行建立合作夥伴關係以擴大其客戶群和服務範圍，金融科技業務仍在繼續成長。

近年來，出現了許多金融科技子類型，包括保險科技、監管科技和支付服務，它們採用針對特定行業和角色量身定做的最尖端科技。如今，金融科技領域不再只是一種時尚，組織實現其計畫的程度變得更加重要。金融科技業務在技術方面正在經歷快速成長。人們擴大採用能夠提高準確性、效率和敏捷性的技術，例如區塊鏈、流程自動化、應用程式介面 (API)、機器人和資料分析。

金融科技市場趨勢

數位付款的快速成長推動市場

匯款和付款在金融科技產業中發揮基礎性作用，是金融服務創新和數位轉型的基石。匯款和付款有助於服務不足的人群（包括銀行帳戶和銀行帳戶）獲得金融服務。匯款和付款領域的金融科技創新透過提供便利、高效和方便用戶使用的付款解決方案來改善整體客戶體驗。

數位付款提供了更快、更有效率、更安全的匯款和金融交易方式，徹底改變了金融科技產業。近年來，由於智慧型手機、網路和其他數位科技的普及，數位付款的使用不斷擴大。數位付款是許多金融科技創新的基礎。金融科技公司利用數位付款基礎設施提供各種服務，包括P2P(P2P) 轉帳、線上借貸、機器人顧問和保險。這些解決方案透過利用數位付款管道提高金融可近性和包容性。數位付款讓客戶可以隨時隨地進行交易，無需實體貨幣或銀行卡。這種便利性導致數位付款的使用顯著增加。

與傳統銀行交易相比，金融科技主導的數位付款通常具有較低的交易費用，尤其是跨國交易。這種成本效率使消費者和企業受益，減少了與交易相關的財務障礙，並促進了金融科技付款解決方案的採用。金融科技公司正在透過實施強大的加密、生物識別和詐欺檢測機制來優先考慮數位付款的安全性。這些措施使金融交易更加安全，增強用戶信心，並鼓勵數位付款解決方案的廣泛採用。

亞太地區由於數位化的提高和支持性法規結構而引領市場

由於幾個關鍵因素，亞太地區金融科技市場正在經歷強勁成長和不斷成長的需求。首先，在網路和智慧型手機普及的推動下，快速擴張的數位經濟正在為金融科技創新和採用創造肥沃的土壤。許多消費者精通數位技術，對透過數位管道提供的便利、可及的金融服務的需求正在增加。

此外，旨在促進數位化和金融包容性的政府舉措，加上支持性的法律規範，正在創造有利於該地區金融科技發展的環境。中國、印度、新加坡和澳洲等國家正成為金融科技中心，吸引了大量投資和人才。多項政府措施和法律規範正在支持亞太地區金融科技的發展。例如，印度央行推出了多項措施來促進印度金融科技的發展，例如統一付款介面（UPI），它可以實現不同銀行之間的無縫即時付款並促進數位交易。同樣，金融科技公司可以利用新加坡金融管理局（MAS）建立的監管沙箱計劃在安全的環境中測試新產品和服務。 MAS 也通過了《付款服務法》，為數位錢包、付款處理和加密貨幣服務等各種付款活動提供了法律規範。

亞太地區繼續作為金融科技創新和投資的中心，推動產業的長期成長和轉型，因為金融科技顛覆了傳統金融服務並改變了產業格局。

金融科技業概況

在持續的技術創新、不斷變化的消費者偏好、監管發展以及各行業參與者之間的策略聯盟的推動下，金融科技市場正在動態發展。該市場的主要企業包括螞蟻金服、Atom Bank、SoFi、Paypal 和 Coinbase。

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章市場洞察與動態

  • 市場概況
  • 市場促進因素
    • 數位付款的興起
    • 加大對金融科技公司的投資
  • 市場限制因素
    • 激烈的競爭
    • 網路安全風險增加
  • 市場機會
    • 不斷發展的區塊鏈技術和加密貨幣
    • 與傳統金融機構合作
  • 價值鏈分析
  • 產業吸引力－波特五力分析
    • 新進入者的威脅
    • 買家/消費者的議價能力
    • 供應商的議價能力
    • 替代品的威脅
    • 競爭公司之間的敵對關係
  • 洞察市場創新
  • COVID-19 對市場的影響

第5章市場區隔

  • 按服務主張
    • 匯款/付款
    • 儲蓄/投資
    • 數位借貸/貸款市場
    • 線上保險/保險市場
    • 其他服務建議
  • 按地區
    • 北美洲
      • 美國
      • 加拿大
      • 北美其他地區
    • 歐洲
      • 英國
      • 德國
      • 法國
      • 西班牙
      • 其他歐洲國家
    • 拉丁美洲
      • 巴西
      • 阿根廷
      • 墨西哥
      • 其他拉丁美洲
    • 亞太地區
      • 中國
      • 印度
      • 日本
      • 韓國
      • 其他亞太地區
    • 中東/非洲
      • 阿拉伯聯合大公國
      • 沙烏地阿拉伯
      • 其他中東/非洲

第6章 競爭狀況

  • 市場集中度概況
  • 公司簡介
    • Ant Financials
    • Zhong An International
    • Atom Bank
    • Paypal
    • SoFi
    • CoinBase
    • Robinhood
    • Adyen
    • N 26
    • Ally Financials
    • Oscar Health
    • Klarna
    • Avant*

第7章 市場趨勢

第 8 章 免責聲明與出版商訊息

簡介目錄
Product Code: 65997

The Global Fintech Market size is estimated at USD 312.92 billion in 2024, and is expected to reach USD 608.35 billion by 2029, growing at a CAGR of greater than 14% during the forecast period (2024-2029).

Global Fintech - Market

In the financial industry, fintech stands for financial technology. In businesses that offer automated and enhanced financial services, fintech refers to computer programs and other contemporary technologies. The fintech sector has developed significantly over time, which has caused businesses to become more customer-focused. It is, therefore, difficult to find a position among the many businesses that exist worldwide, which range from startups to tech enterprises to well-established businesses. Fintech and financial service organizations have pursued disruptive and new ideas in an ever-changing business landscape, taking up each other's lanes with either a collaborative or a competing attitude.

Multiple crises have served as a driving force behind the growth of the fintech industry. Fintech investments have been rising since the last global financial crisis. The traditional financial services sector was severely pressed both during and after the crisis, and its weaknesses led to a technological reaction that resulted in the sector's expansion. In a similar vein, the COVID-19 pandemic also had a disastrous effect on the world economy and started the recession. The fintech industry developed more quickly as a result of this crisis. Large financial institutions collaborated with up-and-coming tech firms in response to the pandemic in order to gain access to the new market. The fintech business is growing even though the companies themselves are looking to collaborate with big banks to broaden their clientele and offerings.

In recent years, numerous fintech subtypes, such as insurtech, regtech, payment services, and others, have emerged that employ cutting-edge technologies customized for certain industries or roles. The degree of execution attained in an organization's plan is becoming more significant now that the fintech sector is more than just a fad. The fintech business is experiencing fast growth in its technological side. There has been an increased adoption of technology that allows for better accuracy, efficiency, and agility, such as blockchain, process automation, application programming interface (API), robotic and data analytics.

Fintech Market Trends

Surging Adoption of Digital Payments is Driving the Market

Money transfers and payments play a fundamental role in the fintech industry, serving as a cornerstone for financial services innovation and digital transformation. Money transfers and payments facilitate access to financial services for underserved populations, including the unbanked and underbanked. Fintech innovations in money transfers and payments improve the overall customer experience by offering convenient, efficient, and user-friendly payment solutions.

Digital payments have revolutionized the fintech industry by providing faster, more efficient, and more secure ways to transfer money and make financial transactions. The use of digital payments has grown in recent years due to the increasing adoption of smartphones, the Internet, and other digital technologies. Digital payments serve as the foundation upon which many fintech innovations are built. Fintech companies leverage digital payment infrastructure to offer different services, including peer-to-peer (P2P) transfers, online lending, robo-advisory, insurance, and more. These solutions enhance financial accessibility and inclusion by leveraging digital payment channels. With digital payments, customers can make transactions irrespective of the time and place without the need for physical currency or cards. This convenience has led to a significant increase in the use of digital payments.

Fintech-driven digital payments often have lower transaction fees when compared to traditional banking methods, especially for cross-border transactions. This cost efficiency benefits both consumers and businesses, reducing the financial barriers associated with conducting transactions and driving the adoption of fintech payment solutions. Fintech companies prioritize security in digital payments by implementing robust encryption, biometric authentication, and fraud detection mechanisms. These measures enhance the security of financial transactions, instilling trust in users and encouraging wider adoption of digital payment solutions.

Asia-Pacific Leading the Market Owing to Growing Digitalization Coupled with Supportive Regulatory Frameworks

Asia-Pacific is experiencing robust growth and rising demand in the fintech market, driven by several key factors. Firstly, the region's rapidly expanding digital economy, fueled by increasing Internet and smartphone penetration, is creating a fertile ground for fintech innovation and adoption. With a large population of digitally savvy consumers, there is a growing demand for convenient and accessible financial services delivered through digital channels.

Additionally, government initiatives aimed at promoting digitalization and financial inclusion, coupled with supportive regulatory frameworks, are fostering a conducive environment for fintech growth in the region. Countries like China, India, Singapore, and Australia are emerging as fintech hubs, attracting significant investment and talent. Several government initiatives and regulatory frameworks have supported the growth of fintech in Asia-Pacific. For instance, the RBI has introduced several measures to promote fintech growth in India, such as the Unified Payments Interface (UPI), which enables seamless real-time payments between different banks and promotes digital transactions. Similarly, fintech companies can test new goods and services in a safe setting by utilizing the regulatory sandbox program established by the Monetary Authority of Singapore (MAS). The Payment Services Act, which offers a regulatory framework for a range of payment activities such as digital wallets, payment processing, and cryptocurrency services, has also been adopted by MAS.

Asia-Pacific is well-positioned to continue serving as a center for fintech innovation and investment, propelling the industry's long-term growth and transformation as fintech disrupts traditional financial services and changes the industry landscape.

Fintech Industry Overview

The fintech market is dynamic and evolving, driven by ongoing technological innovation, changing consumer preferences, regulatory developments, and strategic partnerships among various industry players. The major players in the market include Ant Financials, Atom Bank, SoFi, Paypal, and Coinbase.

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 INSIGHTS AND DYNAMICS

  • 4.1 Market Overview
  • 4.2 Market Drivers
    • 4.2.1 Rise of Digital Payments
    • 4.2.2 Rising Investments in FinTech Firms
  • 4.3 Market Restraints
    • 4.3.1 Intense Competition
    • 4.3.2 Increasing Cybersecurity Risks
  • 4.4 Market Opportunites
    • 4.4.1 Evolving Blockchain Technology and Cryptocurrency
    • 4.4.2 Collaboration with Traditional Financial Institutions
  • 4.5 Value Chain Analysis
  • 4.6 Industry Attractiveness - Porter's Five Forces Analysis
    • 4.6.1 Threat of New Entrants
    • 4.6.2 Bargaining Power of Buyers/Consumers
    • 4.6.3 Bargaining Power of Suppliers
    • 4.6.4 Threat of Substitute Products
    • 4.6.5 Intensity of Competitive Rivalry
  • 4.7 Insights into Technological Innovations in the Market
  • 4.8 Impact of COVID-19 on the Market

5 MARKET SEGMENTATION

  • 5.1 By Service Proposition
    • 5.1.1 Money Transfer and Payments
    • 5.1.2 Savings and Investments
    • 5.1.3 Digital Lending and Lending Marketplaces
    • 5.1.4 Online Insurance and Insurance Marketplaces
    • 5.1.5 Other Service Propositions
  • 5.2 By Geography
    • 5.2.1 North America
      • 5.2.1.1 United States
      • 5.2.1.2 Canada
      • 5.2.1.3 Rest of North America
    • 5.2.2 Europe
      • 5.2.2.1 United Kingdom
      • 5.2.2.2 Germany
      • 5.2.2.3 France
      • 5.2.2.4 Spain
      • 5.2.2.5 Rest of Europe
    • 5.2.3 Latin America
      • 5.2.3.1 Brazil
      • 5.2.3.2 Argentina
      • 5.2.3.3 Mexico
      • 5.2.3.4 Rest of Latin America
    • 5.2.4 Asia-Pacific
      • 5.2.4.1 China
      • 5.2.4.2 India
      • 5.2.4.3 Japan
      • 5.2.4.4 South Korea
      • 5.2.4.5 Rest of Asia-Pacific
    • 5.2.5 Middle East and Africa
      • 5.2.5.1 United Arab Emirates
      • 5.2.5.2 Saudi Arabia
      • 5.2.5.3 Rest of Middle East and Africa

6 COMPETITIVE LANDSCAPE

  • 6.1 Market Concentration Overview
  • 6.2 Company Profiles
    • 6.2.1 Ant Financials
    • 6.2.2 Zhong An International
    • 6.2.3 Atom Bank
    • 6.2.4 Paypal
    • 6.2.5 SoFi
    • 6.2.6 CoinBase
    • 6.2.7 Robinhood
    • 6.2.8 Adyen
    • 6.2.9 N 26
    • 6.2.10 Ally Financials
    • 6.2.11 Oscar Health
    • 6.2.12 Klarna
    • 6.2.13 Avant*

7 MARKET FUTURE TRENDS

8 DISCLAIMER AND ABOUT US