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

Fintech Blockchain - 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

2024 年，區塊鏈金融科技市場規模預計為 46.6 億美元，預計到 2029 年將達到 318.4 億美元，預測期內（2024-2029 年）複合年成長率為 46.92%。

金融科技區塊鏈市場

由於多種因素，區塊鏈相關的金融科技產業正在不斷成長，包括加密貨幣和 ICO 市值的上升、對分散式帳本技術的需求不斷成長以及金融機構採用先進的區塊鏈解決方案。金融業的數位轉型也促進了金融科技區塊鏈的發展，增加了對數位銀行技術和客戶服務自動化聊天機器人的需求。

採用加密貨幣和數位代幣進行付款預計也將支持市場成長。此外，許多金融科技公司已開始採用區塊鏈技術來簡化業務流程、減少詐欺並提高客戶服務品質。 Ripple 和其他基於區塊鏈的平台正在引起人們的興趣，並有望在未來獲得更大的接受度。穩定幣也因其流動性增加、成本節約和穩定性而受到歡迎，這使它們成為 DeFi通訊協定的一個有吸引力的例子。

業務效率的提高、交易速度的加快、安全性的增強、合規性的好處、基礎設施成本的降低、跨境交易的改善、金融包容性以及競爭和創新的增加，推動了金融科技市場區塊鏈總擁有成本的降低。

各種組織正在其貿易和金融系統中採用區塊鏈，以在參與者之間創建智慧合約，提高效率和透明度，並提供新的商機。區塊鏈的相同記錄功能使現有的清算和付款流程變得多餘。銀行和其他金融機構正在採用基於區塊鏈的 ID 來識別人員身分。業績的改善得益於該組織能夠預見金融區塊鏈應用的新趨勢並開發區塊鏈能力。

缺乏明確且一致的監管標準使得金融科技區塊鏈公司很難確保遵守各律師事務所的工作，以應對不斷變化的監管環境。

COVID-19 大流行對全球許多行業產生了負面影響，包括與區塊鏈相關的金融科技行業。由於封鎖和供應鏈中斷，產業相關人員很難預測金融科技區塊鏈產業的復甦。然而，危機帶來的系統性變化預計將對這個市場產生重大影響。儘管面臨挑戰，金融科技的區塊鏈市場預計將繼續成長。

金融科技區塊鏈市場趨勢

保險領域預計將成為最大的最終用戶領域

  • 區塊鏈技術透過改變業務並提供各種好處，包括降低成本、改善客戶體驗、提高效率和提高透明度，正在徹底改變保險業。這為準備好迎接這項轉型的金融科技公司和保險提供者提供了巨大的機會。
  • 區塊鏈的主要優點之一是它能夠提供透明且可靠的交易資訊，使其成為檢驗保險申請真實性至關重要的理想資料存儲庫。這會增強人們對流程的信任，並使保險提供者能夠就可承保的申請比例做出準確的決定。根據瑞士再保險公司的數據，2023 年，美國和丹麥等國家的保險深度指數得分為 1。
  • 此外，隨著物聯網技術的興起，互連設備產生的資料量呈指數級成長。因此，需要能夠有效管理大量資料的技術。區塊鏈透過允許設備進行P2P通訊和管理，幫助保險提供者安全地管理這些複雜的網路，而不是依賴昂貴的資料中心進行處理和儲存。這種方法更具成本效益，預計將推動未來市場的成長。
  • 金融科技的基於雲端基礎的區塊鏈服務將變得更加安全，使企業能夠更快地回應安全威脅，專注於降低業務風險，遵守合規性，並節省本地基礎設施投資。對於幾家擁有嚴格監管IT基礎設施的大公司來說，將軟體和服務保留在本地的決定是明確的。部署在這些內部伺服器上的解決方案比雲端伺服器更容易訪問，也更可靠，因為它們受到公司的直接控制。
  • 隨著您的業務隨著時間的推移而成長，您的解決方案將需要擴展以支援您的關鍵業務。然而，對於多家公司來說，導航現有的本地解決方案來支援新的應用程式、整合和更新可能很困難。

北美地區預計將實現顯著成長

  • 包括銀行、金融服務和保險在內的金融業正在轉向區塊鏈技術，因為它具有多種優勢。例如，在美國，摩根大通、美國銀行等主要銀行都在投資區塊鏈技術。
  • 保險業從事各種活動，包括共用多方修改和更新的資料。因此，區塊鏈技術可以使保險業受益。北美是技術的早期採用者，保險業對區塊鏈的接受程度很高。
  • 智慧合約允許區塊鏈用戶無需中介即可透明地轉移價值。智慧合約定義了兩方之間的規則，類似於物理合約。與傳統合約不同，智慧合約可以追蹤保險申請並追究雙方責任。
  • COVID-19的疫情加速了銀行業數位化轉型的需求。由於人們被迫使用線上服務並限制銀行訪問，許多銀行公司已開始與金融科技供應商合作，提供差異化和有競爭力的服務。數位客戶體驗是競爭優勢的關鍵領域，很可能推動市場向前發展。
  • 金融科技供應商提供的區塊鏈技術最顯著的好處之一是減少金融界的詐騙和網路攻擊。區塊鏈允許金融科技營運商透過去中心化網路共用或傳輸安全、未更改的訊息，有助於減少資料外洩和其他詐欺活動。這種安全性和透明度的提高有助於金融機構與其客戶之間建立信任。

金融科技區塊鏈產業概述

金融科技的區塊鏈市場高度分散，主要參與者包括 AlphaPoint Corporation、Bitfury Group Limited、Oracle Corporation、Amazon Web Services Inc. 和 Digital Asset Holdings LLC。市場上的公司正在採取聯盟和收購等策略來增強其產品供應並獲得永續的競爭優勢。

  • 2023 年 10 月，區塊鏈保護公司 Cponcover 與提供數位資產基礎設施的全球領先金融科技公司之一 AlphaPoint 合作，為 AlphaPoint 客戶提供額外一層保護。此次合作預計將使 AlphaPoint 客戶能夠使用 Coincover 的先進資產保護技術，使他們能夠簡單有效地降低駭客攻擊、人為錯誤和詐騙等安全風險。 AlphaPoint 的最終用戶現在將獲得增強的安全性，當安全是客戶的首要任務時，將提高該公司作為以安全為中心的交易所的可信度。
  • 2023 年 7 月，跨鏈通訊協定Axelar 和科技巨頭微軟宣布合作，以橋接公共和私人區塊鏈。透過此次合作，Axelar 加入了微軟的 Azure Marketplace，並成為第一個在開發者網路商店上架的跨鏈通訊協定。

其他好處

  • 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 章執行摘要

第3章調查方法

第4章市場洞察

  • 市場概況
  • 產業吸引力－波特五力分析
    • 供應商的議價能力
    • 消費者議價能力
    • 新進入者的威脅
    • 替代品的威脅
    • 競爭公司之間敵對關係的強度
  • 評估 COVID-19 對產業的影響

第5章市場動態

  • 市場促進因素
    • 活性化創新和高度智慧可程式區塊鏈平台的研發活動
    • 銀行業付款和智慧付款等應用擴大採用區塊鏈技術
    • 降低總擁有成本
  • 市場挑戰
    • 不透明的監管標準和框架
  • 市場機會

第6章 市場細分

  • 按提供者
    • 中介軟體提供者
    • 應用解決方案提供者
    • 通訊協定提供者
  • 按用途
    • 付款/結算/付款
    • 兌換/匯款
    • 智慧合約
    • 身分管理
    • 合規管理/KYC
    • 其他用途
  • 按組織規模
    • 主要企業
    • 小型企業
  • 按最終用戶產業
    • 銀行
    • 非銀行金融服務
    • 保險
  • 按地區
    • 北美洲
      • 美國
      • 加拿大
    • 歐洲
      • 德國
      • 英國
      • 法國
    • 亞洲
      • 中國
      • 印度
      • 日本
    • 澳洲/紐西蘭
    • 拉丁美洲
    • 中東/非洲

第7章 競爭格局

  • 供應商市場佔有率
  • 併購
  • 公司簡介
    • AlphaPoint Corporation
    • Bitfury Group Limited
    • Oracle Corporation
    • Amazon Web Services Inc.
    • Digital Asset Holdings LLC
    • Cambridge Blockchain LLC
    • Circle Internet Financial Limited
    • Coinbase Inc.
    • Accenture PLC
    • Earthport Plc
    • Factom Inc.
    • GuardTime AS
    • IBM Corporation
    • Microsoft Corporation
    • RecordesKeeper
    • Ripple Lab Inc.

第8章 市場未來展望

簡介目錄
Product Code: 71461

The Fintech Blockchain Market size is estimated at USD 4.66 billion in 2024, and is expected to reach USD 31.84 billion by 2029, growing at a CAGR of 46.92% during the forecast period (2024-2029).

Fintech Blockchain - Market

The blockchain-related fintech industry has been experiencing growth due to various factors, such as the rising market cap of cryptocurrencies and ICOs, increasing demand for distributed ledger technology, and adoption of advanced blockchain solutions in financial institutions. The financial industry's digital transformation is also contributing to the growth of the fintech blockchain, as digital banking technologies and automated chatbots for customer service are experiencing rising demand.

The adoption of cryptocurrencies and digital tokens for making payments is expected to boost the market growth. Many fintech organizations have also started adopting blockchain technology to simplify business procedures, reduce fraudulent activity, and enhance customer service quality. Ripple and other blockchain-based platforms are gaining interest, which is anticipated to lead to greater acceptance in the future. Stablecoins are also gaining popularity as they increase liquidity, cost savings, and stability, and they are a fascinating example of DeFi protocols.

Increased operational efficiency, faster transactions, enhanced security, compliance benefits, infrastructure cost savings, improved cross-border transactions, financial inclusion, and increased competition and innovation drive the reduced total cost of ownership in the fintech blockchain market.

Various organizations are adopting blockchain in trade and finance systems to build smart contracts between participants, increase efficiency and transparency, and offer newer revenue opportunities. Blockchain's identical recording capabilities make the existing clearing and settlement process redundant. Banks and other financial institutions are adopting blockchain-enabled IDs to identify people. Improved results are from organizations' capacity to foresee emerging trends in financial blockchain applications and develop blockchain functionality.

The lack of clear and consistent regulatory standards makes it difficult for fintech blockchain companies to ensure compliance with various legal companies' work to navigate the evolving regulatory landscape.

The COVID-19 pandemic negatively impacted many industries globally, including blockchain-related fintech industries. Lockdowns and supply chain disruptions made it difficult for industry participants to predict the resurgence of the fintech blockchain industry. However, systemic changes brought on by the crisis are anticipated to impact this market significantly. Despite the challenges, the fintech blockchain market is expected to continue its growth.

Fintech Blockchain Market Trends

Insurance Segment to be the Largest End-user Vertical

  • Blockchain technology is revolutionizing the insurance industry by transforming operations and providing various benefits, such as cost reduction, enhanced customer experiences, increased efficiency, greater transparency, and more. This represents a significant opportunity for fintech companies and insurance providers ready to embrace this transformation.
  • One of the critical advantages of blockchain is its ability to provide transparent and trustworthy information about transactions, making it an ideal repository for data that is crucial in verifying the authenticity of insurance claims. This instills trust in the process and enables insurance providers to make accurate decisions about the percentage of the claim that can be covered. According to Swiss Re, in 2023, countries like the United States and Denmark ranked with an index score of 1 in insurance penetration.
  • Furthermore, with the rise of IoT technology, the amount of data generated by interconnected devices is increasing exponentially. This requires a technology that can efficiently manage large volumes of data. Blockchain enables insurance providers to manage these complex networks securely by allowing devices to communicate and manage each other peer-to-peer rather than relying on expensive data centers for processing and storage. This approach is much more cost-effective and is expected to drive the market's growth in the future.
  • The cloud-based fintech blockchain services are expected to become more secure, thus enabling enterprises to respond faster to security threats, focus on mitigating business risks, become compliant, and save on-premise infrastructure investment. For multiple large enterprises with highly regulated IT infrastructure, the decision to house their software and services on-premise has been clear. The solutions deployed on these in-house servers are also more accessible and under the company's direct control, which provides reliability compared to cloud servers.
  • As companies expand over time, it becomes necessary for them to scale their solutions to support crucial business operations. However, it is sometimes difficult for multiple companies to manipulate the existing on-premises solutions to support newer applications, integrations, and updates.

North America is Expected to Witness Significant Growth

  • Due to the multiple benefits of blockchain technology, the financial industry, which includes banking, financial services, and insurance, is focused on it. For example, major banks in the United States are investing in blockchain technology, including JPMorgan and Bank of America.
  • The insurance industry is involved in various activities, including sharing data that is modified or updated by multiple parties. As a result, blockchain technology can benefit the insurance industry. As early technological adaptors, North Americans have significantly embraced blockchain in the insurance industry.
  • Smart contracts allow blockchain users to transfer anything of value transparently without the intervention of a middleman. Smart contracts, like physical contracts, define the rules between two parties. Unlike traditional contracts, smart contracts can track insurance claims and hold both parties accountable.
  • The COVID-19 outbreak accelerated the demand for digital transformation in the banking industry. As people were forced to use online services and limit their bank visits, many banking companies collaborated with fintech vendors to offer differentiated and competitive services. Digital customer experience is the primary area of competitive advantage and is likely to drive the market in the future.
  • One of the most significant benefits of blockchain technology offered by fintech vendors is the reduction of fraud and cyber-attacks in the financial world. Blockchain helps to curb data breaches and other fraudulent activities by enabling fintech businesses to share or transfer safe and unaltered information through a decentralized network. This added security and transparency could help build trust between financial institutions and their customers.

Fintech Blockchain Industry Overview

The fintech blockchain market is highly fragmented, with the presence of major players like AlphaPoint Corporation, Bitfury Group Limited, Oracle Corporation, Amazon Web Services Inc., and Digital Asset Holdings LLC. Players in the market are adopting strategies such as partnerships and acquisitions to enhance their product offerings and gain sustainable competitive advantage.

  • In October 2023, Cponcover, a blockchain protection company, and AlphaPoint, one of the global financial technology companies providing digital asset infrastructure, partnered to offer an additional layer of protection for AlphaPoint's customers. The partnership is expected to allow AlphaPoint clients to access Coincover's leading asset protection technology, enabling them to mitigate security risks such as hacking, human error, and scams simply and effectively. AlphaPoint's end users will be provided with increased security, increasing the company's credibility as a safety-conscious exchange when security is its customers' top priority.
  • In July 2023, cross-chain protocol Axelar and tech giant Microsoft announced a collaboration to bridge public and private blockchains. The partnership would see Axelar joining Microsoft's Azure marketplace, becoming the first cross-chain protocol listed on the developer's online store.

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 EXECUTIVE SUMMARY

3 RESEARCH METHODOLOGY

4 MARKET INSIGHTS

  • 4.1 Market Overview
  • 4.2 Industry Attractiveness - Porter's Five Forces Analysis
    • 4.2.1 Bargaining Power of Suppliers
    • 4.2.2 Bargaining Power of Consumers
    • 4.2.3 Threat of New Entrants
    • 4.2.4 Threat of Substitute Products
    • 4.2.5 Intensity of Competitive Rivalry
  • 4.3 Assessment of the Impact of COVID-19 on the Industry

5 MARKET DYNAMICS

  • 5.1 Market Drivers
    • 5.1.1 Rising R&D Activities for Transformative and Highly Intelligent Programmable Blockchain Platform
    • 5.1.2 Increasing Adoption of Blockchain Technology for Applications in Banking Industry, such as Payments and Smart Contracts
    • 5.1.3 Reduced Total Cost of Ownership
  • 5.2 Market Challenges
    • 5.2.1 Uncertain Regulatory Standards and Frameworks
  • 5.3 Market Opportunities

6 MARKET SEGMENTATION

  • 6.1 By Provider
    • 6.1.1 Middleware Providers
    • 6.1.2 Application and Solution Providers
    • 6.1.3 Infrastructure and Protocol Providers
  • 6.2 By Application
    • 6.2.1 Payments, Clearing, and Settlement
    • 6.2.2 Exchanges and Remittance
    • 6.2.3 Smart Contract
    • 6.2.4 Identity Management
    • 6.2.5 Compliance Management/ KYC
    • 6.2.6 Other Applications
  • 6.3 By Organization Size
    • 6.3.1 Large Enterprises
    • 6.3.2 Small and Medium-sized Enterprises
  • 6.4 By End-user Verticals
    • 6.4.1 Banking
    • 6.4.2 Non-banking Financial Services
    • 6.4.3 Insurance
  • 6.5 By Geography
    • 6.5.1 North America
      • 6.5.1.1 United States
      • 6.5.1.2 Canada
    • 6.5.2 Europe
      • 6.5.2.1 Germany
      • 6.5.2.2 United Kingdom
      • 6.5.2.3 France
    • 6.5.3 Asia
      • 6.5.3.1 China
      • 6.5.3.2 India
      • 6.5.3.3 Japan
    • 6.5.4 Australia and New Zealand
    • 6.5.5 Latin America
    • 6.5.6 Middle East and Africa

7 COMPETITIVE LANDSCAPE

  • 7.1 Vendor Market Share
  • 7.2 Mergers and Acquisitions
  • 7.3 Company Profiles
    • 7.3.1 AlphaPoint Corporation
    • 7.3.2 Bitfury Group Limited
    • 7.3.3 Oracle Corporation
    • 7.3.4 Amazon Web Services Inc.
    • 7.3.5 Digital Asset Holdings LLC
    • 7.3.6 Cambridge Blockchain LLC
    • 7.3.7 Circle Internet Financial Limited
    • 7.3.8 Coinbase Inc.
    • 7.3.9 Accenture PLC
    • 7.3.10 Earthport Plc
    • 7.3.11 Factom Inc.
    • 7.3.12 GuardTime AS
    • 7.3.13 IBM Corporation
    • 7.3.14 Microsoft Corporation
    • 7.3.15 RecordesKeeper
    • 7.3.16 Ripple Lab Inc.

8 FUTURE OUTLOOK OF THE MARKET