市場調查報告書
商品編碼
1475034
全球金融科技市場評估:依部署方法、依技術、依應用、依最終用戶、依地區、機會、預測(2017-2031)Fintech Market Assessment, By Deployment Mode, By Technology, By Application, By End-user, By Region, Opportunities, and Forecast, 2017-2031F |
全球金融科技市場規模預計將從 2023 年的 2,510.4 億美元增至 2031 年的 5,997.1 億美元,預計 2024-2031 年的複合年增長率為 11.5%。 金融科技,也稱為fintech,是將新的技術突破應用於金融產品和服務,以改善和自動化金融服務的提供和使用。 多種因素促進了全球金融科技市場的成長,包括對線上支付方式的需求增加、更廣泛的數位支付選項的推出、技術創新、合作夥伴關係的增加以及政府舉措。
全球範圍內互聯網的普及、智慧型手機擁有量的增加以及數位貨幣的接受度不斷提高,正在改變全球金融科技市場。 根據《2023 年上半年金融科技脈動》報告,美洲金融科技融資總額從 2022 年下半年的 289 億美元躍升至 2023 年上半年的 360 億美元。 2023 年上半年,各金融科技次類別的融資金額顯著增加。 截至年中,專門從事物流和供應鏈管理的金融科技公司已籌集82億美元,超過去年總額。 此外,注重 ESG 的金融科技公司獲得了 17 億美元的融資,超過了 2022 年的融資總額。
保險科技、監管科技和支付服務等金融科技近年來不斷發展,每項都利用了專門針對特定業務或行業的尖端技術。 如今,金融科技業務已不僅僅是一種趨勢,公司策略的執行程度也變得越來越重要。 金融科技業的技術成分不斷擴大。 區塊鏈、應用程式介面 (API)、機器人流程自動化和數據分析等技術正在迅速利用,以提高敏捷性、效率和準確性。
廣泛的數位支付選項
疫情期間金融便利性的提高促使數位支付的擴張和全球基礎金融機構的發展。 現金替代、請求支付、BNPL(先買後付)和數位貨幣服務等新型支付方式都為金融科技市場的成長創造了新的機會。 數位支付提供了更快、更有效率、更安全的轉帳和交易方式,重塑了金融科技產業。 UPI(統一支付介面)是印度國家支付公司 (NPCI) 的數位支付鐵路,處理全球 40% 的即時支付。
金融服務科技創新
新興技術使銀行、保險公司和其他金融服務公司能夠升級其營運並找到不同的方式來服務客戶。 運算能力、密碼學、大數據、人工智慧的進步、區塊鏈和加密貨幣的投資、改進的行動存取以及更快的互聯網速度正在金融業務的多個領域創造新的應用程式。 技術創新的例子包括提供信貸的新方法、投資建議、保險定價,以及更廣泛的將資金從儲戶和投資者轉移到借款人的方法。 支持金融機構高效運作的技術創新之一是 有機器人流程自動化(RPA)。 聊天機器人提供即時回應和快速解決投訴,帶來個人銀行體驗。 2023年區塊鏈領域佔據最大市場佔有率。
本報告研究和分析了全球金融科技市場,提供市場規模和預測、市場動態以及主要參與者的現狀和前景。
The Global fintech market is projected to witness a CAGR of 11.5% during the forecast period 2024-2031, growing from USD 251.04 billion in 2023 to USD 599.71 billion by 2031. Financial technology, also known as Fintech, is the application of new technical breakthroughs into financial products and services to improve and automate the delivery and usage of financial services. Multiple factors are contributing to the growth of the global fintech market such as increasing demand for online payment methods, introduction of a wide range of digital payment options, technological innovations, increasing partnerships, and government schemes.
Increasing internet penetration and smartphone ownership throughout the world, as well as the growing acceptance of digitized currencies, are transforming the global fintech market. According to the Pulse of Fintech H1 2023, total fintech funding in the Americas surged from USD 28.9 billion in H2 2022 to reach USD 36 billion in H1 2023. In the H1 of 2023, various fintech subcategories experienced significant levels of funding. By mid-year, the funding for fintech companies specializing in logistics and supply chain management surpassed all Previous yearly totals, reaching USD 8.2 billion. Additionally, ESG-focused fintech companies received USD 1.7 billion in funding, exceeding the total amount raised in 2022.
Insurtech, Regtech, payment services, and other varieties of fintech have evolved in recent years, each utilizing cutting-edge technology specialized in certain tasks or industries. Now as the FinTech business is more than a trend, the level of execution accomplished in companies' strategies is becoming increasingly important. The FinTech industry's technological component is continuously expanding. Blockchain, Application Programming Interface (API), robotic process automation, data analytics, and other technologies are rapidly being used to enable increased agility, efficiency, and accuracy.
Wide Range of Digital Payment Options
Financial accessibility increased during the pandemic, resulting in the growth of digital payments and the development of basic financial institutions around the globe. Novel payment methods such as cash replacement, request to pay, buy now, pay later (BNPL), and digital currency services have all generated new opportunities for the growth of the FinTech market. Digital payments have restructured the fintech industry by providing faster, more efficient, and more secure ways to transfer money and make transactions. The National Payments Corporation of India's (NPCI) digital payments railroad, Unified Payments Interface (UPI), is processing 40% of the global real-time payments.
Technological Innovations in Financial Services
New technologies have enabled banks, insurers, and other financial services firms to upgrade their operations and find different ways of serving their clients. Computing power, cryptography, big data, advancement in AI, investments in blockchain and cryptocurrency, improved mobile access, and increasing internet speed are creating new applications in several areas of the financial business. A few examples of technological innovations are novel ways of loan extension, investment advice, insurance pricing, and more broadly, how money is transferred from savers/investors to borrowers. One area of innovation helping FIs to become efficient and effective is robotic process automation (RPA). Chatbots provide instant responses and quick complaint resolution, triggering personal banking experience. The blockchain segment held the largest share of the market in 2023.
Government schemes
Governments around the world are increasingly recognizing the importance of fintech for their economies and are implementing various schemes and incentives to support the growth of the fintech market. Tax incentives, grant programs, innovation hubs, and talent development programs are being introduced by governments. Policymakers around the world are developing regulatory sandboxes to encourage finance industry innovation while keeping an eye on potential threats. Regulatory sandboxes allow fintech companies to test innovative products and services in a controlled environment. It helps in reducing the time and costs associated with regulatory compliance. In India, FinTech sector unveils a promising landscape with USD 12 billion (INR 1 lakh crore) fund offering 50-year interest-free loans for tech-driven growth, fostering creativity and potentially intensifying competition in lending.
Cloud to Dominate the Market Share as the Mode of Deployment
The cloud sector leads with the largest share of the global fintech market and is projected to maintain its dominance in the foreseeable future. It is primarily due to the scalability and cost-effectiveness of cloud solutions, which enable fintech companies to swiftly expand their operations. The ability to adjust to varying workloads and the potential for cost reduction further reinforces the prevalence of cloud development.
Conversely, the on-premises sector is expected to experience robust growth during the forecast period. On-premises deployment, where software and infrastructure are hosted internally within a company's data centers, has traditionally been favored by some financial institutions due to security and control considerations. While on-premises solutions offer extensive customization and control, they may encounter challenges in terms of scalability, upfront expenses, and agility when compared to cloud alternatives.
Future Market Scenario (2024 - 2031F)
The global fintech market is projected to witness sustainable growth in the upcoming years as it is driven by the increasing adoption of digital financial services and technological advancements.
Fintech companies are expected to expand their presence into emerging markets, tapping into the growing demand for innovative financial solutions in regions with developing economies.
The fintech industry is likely to face evolving regulatory landscapes, requiring companies to adapt to changing compliance requirements and standards to ensure sustainable growth.
With the rise of digital transactions and data sharing, cybersecurity will remain a top priority for fintech firms, leading to investments in robust security measures to protect customer information and financial assets.
Key Players Landscape and Outlook
In 2023, the fintech sector witnessed notable collaborations driving the market growth. For instance, PayPal partnered with a leading AI company to enhance fraud detection in digital transactions, contributing to increased security and customer trust. Additionally, joined forces with a major cryptocurrency exchange to enable seamless integration of crypto payments for small businesses expanding access to innovative financial solutions. These collaborations exemplify the ongoing synergy between fintech players, shaping the industry's trajectory for the future.
All segments will be provided for all regions and countries covered