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市場調查報告書
商品編碼
1690896

北美金融科技：市場佔有率分析、產業趨勢與統計、成長預測（2025-2030 年）

North America Fintech - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2025 - 2030)
出版日期: | 出版商: Mordor Intelligence | 英文 140 Pages | 商品交期: 2-3個工作天內

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簡介目錄

北美金融科技市場規模預計在 2025 年為 1,453.7 億美元，預計到 2030 年將達到 3,255.9 億美元，預測期內（2025-2030 年）的複合年成長率為 17.5%。

北美金融科技市場-IMG1

Fintech 代表金融科技，指的是利用科技進步提供比傳統金融機構更有效率的金融服務。其中包括行動銀行、P2P借貸、群眾集資、財富管理機器人顧問、數位付款等。金融科技公司利用科技提供比傳統金融機構更便利、更具成本效益的服務。

北美金融科技市場充滿活力且快速發展，許多公司正在徹底改變人們取得金融服務的方式。其主要業務包括數位付款解決方案，例如行動錢包和P2P付款管道。北美的法規環境對金融科技公司相對有利，監管機構鼓勵創新。北美消費者和企業是金融科技解決方案的早期採用者，推動了對數位銀行和行動付款的需求。在北美，金融科技投資和資金籌措蓬勃發展，創業投資、銀行和其他金融機構紛紛投資新興企業和創新技術。

北美金融科技市場趨勢

北美數位付款市場的成長

由於多種因素，近年來北美的數位付款交易量大幅增加。電子商務的擴張大大增加了對高效、安全的數付款解決方案的需求。這種成長反映出，受科技進步和網路購物成長的推動，消費者對無縫、可靠的付款方式的偏好日益增強。

付款和非接觸式付款的興起也是為消費者提供更多便利和快速的重要因素。增強的安全措施和創新的付款管道等技術改進進一步刺激了市場成長。支持性的法規環境和對數位付款基礎設施的增加投資也將提高市場准入程度。新冠疫情加速了數位化商務的轉變，企業和消費者越來越喜歡非接觸式和遠端支付方式。這種轉變進一步加強了無現金經濟的進程。

美國引領北美金融科技市場

美國已經顯著改變了金融的許多方面，包括貸款、投資、貸款選擇、企業創業援助和收購。一個值得注意的趨勢是，目前三分之一的美國數位消費者使用兩種或兩種以上的金融科技服務，這表明金融科技解決方案在日常金融活動中的接受度和融入度不斷提高。

美國金融科技市場持續成長，這體現在其市值的不斷增加。新銀行和數位付款在交易量方面處於領先地位，吸引了新市場進入者增加的投資。這種擴張是由消費者對更便利、更有效率、更容易取得的金融服務的需求所推動的。

與傳統金融機構相比，18-40 歲的消費者對金融科技品牌更信任。這種人口結構的變化標誌著金融服務格局的轉變，年輕一代更有可能採用創新的金融技術。

美國的這些趨勢正在對北美的金融科技趨勢產生重大影響。隨著美國市場的成熟，它建立了通常遍布北美大陸的基準和模式，並可以影響鄰國金融科技產業的發展。

北美金融科技產業概況

北美金融科技市場基本整合，每個子部門產業都有少數主導企業。這種整合是由多種因素推動的，包括由於監管合規要求而產生的高進入門檻、開發和擴展金融科技解決方案需要大量的資本投入，以及隨著金融科技公司不斷成長和發展基本客群產生的網路效應。市場的主要企業包括 Stripe、Chime、Avant、Wealthsimple 和 SoFi。

其他福利：

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

目錄

第 1 章 簡介

  • 研究假設和市場定義
  • 研究範圍

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
    • 區塊鏈、人工智慧和機器學習等創新將提高金融科技解決方案的效率和能力
  • 市場限制
    • 對資料外洩和詐欺的日益擔憂可能會阻礙消費者對數位金融服務的信任和採用
  • 市場機會與未來趨勢
    • 金融科技公司與傳統金融機構之間的合作可能會透過將創新技術融入現有系統來推動市場成長。
    • 數位錢包的日益普及為金融科技公司提供了提供創新付款解決方案並將其與各種金融服務相結合的機會
  • 深入了解影響該地區金融科技市場的關鍵法規和政策
  • 該地區網路和智慧型手機普及率
  • 收益及資金籌措統計
  • 波特五力分析
    • 購買者/消費者的議價能力
    • 供應商的議價能力
    • 新進入者的威脅
    • 替代品的威脅
    • 競爭對手之間的競爭強度
  • 新冠肺炎疫情對市場的影響

第5章 市場區隔

  • 按服務主張
    • 匯款和付款
    • 儲蓄和投資
    • 數位借貸和借貸市場
    • 線上保險和保險市場
    • 其他服務建議
  • 按國家
    • 美國
    • 加拿大
    • 北美其他地區

第6章 競爭格局

  • 公司簡介
    • Avant LLC
    • Chime Financial Inc.
    • Wealthsimple Inc.
    • Stripe Inc.
    • SoFi Technologies Inc.
    • Square
    • Kraken
    • Oscar Health
    • Mogo

第7章 市場趨勢

第8章 免責聲明及發布者

簡介目錄
Product Code: 72325

The North America Fintech Market size is estimated at USD 145.37 billion in 2025, and is expected to reach USD 325.59 billion by 2030, at a CAGR of 17.5% during the forecast period (2025-2030).

North America Fintech - Market - IMG1

Fintech, which stands for financial technology, involves harnessing technological advancements to offer financial services with greater efficiency than traditional institutions. It includes mobile banking, peer-to-peer lending, crowdfunding, robo-advisors for wealth management, and digital payments. Fintech companies leverage technology to offer services that are more convenient and cost-effective than traditional financial institutions.

The North American fintech market is dynamic and rapidly evolving, with companies revolutionizing how people access financial services. Key segments include digital payment solutions like mobile wallets and peer-to-peer payment platforms. The regulatory environment in North America is relatively favorable for fintech companies, with regulators encouraging innovation. North American consumers and businesses are early adopters of fintech solutions, driving the demand for digital banking and mobile payments. North America attracts significant investment and funding in the fintech sector, with venture capital firms, banks, and other financial institutions investing in startups and innovative technologies.

North America Fintech Market Trends

Growth in the North American Digital Payment Market

North America's digital payment transaction value has grown significantly in recent years, driven by several factors. The expansion of e-commerce has substantially increased the demand for efficient and secure digital payment solutions. This growth reflects consumers' increasing preference for seamless and reliable payment methods, driven by technological advancements and the rise in online shopping.

The widespread adoption of mobile and contactless payments is another major contributor, offering consumers enhanced convenience and speed. Technological improvements, including enhanced security measures and innovative payment platforms, further stimulate the market's growth. Supportive regulatory environments and increased investment in digital payment infrastructure also improve market accessibility. The COVID-19 pandemic accelerated the shift to digital transactions, with businesses and consumers increasingly favoring contactless and remote payment methods. This transition has further reinforced the movement toward a cashless economy.

The United States is Leading the North American Fintech Market

The United States has significantly altered various aspects of finance, including lending, investing, loan selection, startup support, and acquisitions. A notable trend shows that one-third of US digital consumers now use two or more fintech services, indicating increased acceptance and integration of fintech solutions in daily financial activities.

The US fintech market continues to grow, as reflected in its increasing market value. Neo-banking and digital payments lead in transaction value, attracting increased investment from new market entrants. This expansion is driven by consumer demand for more convenient, efficient, and accessible financial services.

Consumers aged 18-40 show higher trust in fintech brands compared to traditional financial institutions. This demographic shift suggests a changing landscape in financial services, with younger generations more readily adopting innovative financial technologies.

These trends in the United States significantly influence the broader North American fintech landscape. As the US market matures, it establishes benchmarks and patterns that often extend across the continent, potentially shaping the development of fintech sectors in neighboring countries.

North America Fintech Industry Overview

The North American fintech market is largely consolidated, with a few dominant players in each sub-sector of the industry. This consolidation has been driven by a few factors, including high barriers to entry due to regulatory compliance requirements, the need for significant capital investment to develop and scale fintech solutions, and the network effects that arise as fintech companies grow and develop their customer bases. Some of the major players in the market are Stripe, Chime, Avant, Wealthsimple, and SoFi.

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 Innovations Such as Blockchain, Artificial Intelligence, and Machine Learning Enhance the Efficiency and Capabilities of Fintech Solutions
  • 4.3 Market Restraints
    • 4.3.1 Increasing Concerns About Data Breaches and Fraud May Hinder Consumer Trust and Adoption of Digital Financial Services
  • 4.4 Market Opportunities And Future Trends
    • 4.4.1 Collaborations Between Fintech Firms and Traditional Financial Institutions Can Drive the Market's Growth By Integrating Innovative Technologies Into Established Systems
    • 4.4.2 Increased Adoption of Digital Wallets Presents Opportunities for Fintech Firms to Offer Innovative Payment Solutions and Integrate with Various Financial Services
  • 4.5 Insights on Key Regulations and Industry Policies Impacting Fintech Market in the Region
  • 4.6 A Brief on Internet and Smartphone Penetration in the Region
  • 4.7 Revenue and Funding Statistics
  • 4.8 Porter's Five Forces Analysis
    • 4.8.1 Bargaining Power of Buyers/Consumers
    • 4.8.2 Bargaining Power of Suppliers
    • 4.8.3 Threat of New Entrants
    • 4.8.4 Threat of Substitute Products
    • 4.8.5 Intensity of Competitive Rivalry
  • 4.9 Impact of the COVID-19 Pandemic 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 Country
    • 5.2.1 United States
    • 5.2.2 Canada
    • 5.2.3 Rest of North America

6 COMPETITIVE LANDSCAPE

  • 6.1 Overview (Market Concentration and Major Players)
  • 6.2 Company Profiles
    • 6.2.1 Avant LLC
    • 6.2.2 Chime Financial Inc.
    • 6.2.3 Wealthsimple Inc.
    • 6.2.4 Stripe Inc.
    • 6.2.5 SoFi Technologies Inc.
    • 6.2.6 Square
    • 6.2.7 Kraken
    • 6.2.8 Oscar Health
    • 6.2.9 Mogo

7 MARKET FUTURE TRENDS

8 DISCLAIMER AND ABOUT US