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フィンテックにおける新興技術市場 - 世界および地域別分析：用途別、技術別、国別 - 分析と予測（2024年～2034年）

Emerging Technology in Fintech Market - A Global and Regional Analysis: Focus on Application, Technology, and Country Analysis - Analysis and Forecast, 2024-2034

出版日
発行
BIS Research
ページ情報
英文 129 Pages
納期
1～5営業日
カスタマイズ可能
価格
価格表記: USDを日本円(税抜)に換算
本日の銀行送金レート: 1USD=147.50円
フィンテックにおける新興技術市場 - 世界および地域別分析：用途別、技術別、国別 - 分析と予測（2024年～2034年）
出版日: 2025年07月23日
発行: BIS Research
ページ情報: 英文 129 Pages
納期: 1～5営業日
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概要

フィンテックにおける新興技術の市場規模は、2023年に2,313億米ドルとなりました。

同市場は、2034年には2兆8,307億6,000万米ドルに達し、予測期間の2024年から2034年の間に24.41%の堅調なCAGRで拡大すると予測されています。フィンテックにおける新興技術市場の成長促進要因のひとつは、モバイルバンキング、デジタル決済、AI主導型サービスの急速な普及に後押しされた、デジタル金融ソリューションに対する需要の高まりです。さらに、ブロックチェーン技術の進歩は、金融包摂の推進やセキュリティ機能の強化と相まって、先進国市場と新興国市場の両方で革新的なフィンテック・ソリューションの採用をさらに加速させています。良好な規制環境とフィンテック企業と伝統的な金融機関との提携も、この成長を支えています。

主要市場統計
予測期間 2024年～2034年
2024年の評価 3,187億3,000万米ドル
2034年の予測 2兆8,307億6,000万米ドル
CAGR 24.41%

フィンテックにおける新興技術市場のイントロダクション

フィンテックにおける新興技術市場は、人工知能（AI）、ブロックチェーン、クラウドコンピューティング、ビッグデータ分析などの高度な技術革新を従来の金融システムに統合することで、世界の金融サービスの展望を変革してきました。これらの技術により、金融機関やフィンテック企業は、決済、融資、資産管理、保険、デジタル通貨など、さまざまな分野で、より効率的で安全、かつパーソナライズされたサービスを提供できるようになっています。消費者の期待が進化し、シームレスでリアルタイムの金融ソリューションに対する需要が高まるにつれ、フィンテックは、個人や企業と金融商品との関わり方を再構築する上で、極めて重要な役割を果たすようになってきました。この業界の急速な拡大は、金融のデジタル化の進展と、モバイルファーストで顧客中心のサービスへのシフトによってもたらされています。

2024年から2034年までのCAGRは24.41％と予測され、フィンテック市場の評価額は2034年までに2兆8,307億6,000万米ドルに達すると見込まれています。この成長の原動力となっているのは、現在進行中の技術の進歩、デジタル・バンキング・サービスの普及拡大、安全で透明性の高い取引のための暗号通貨やブロックチェーン技術の採用拡大です。また、新興技術は、特に伝統的な銀行サービスが制限されている未開拓地域における金融包摂を促進しています。フィンテック企業が革新を続け、伝統的な金融システムを破壊していく中で、フィンテック新興企業とレガシー金融機関との新たなビジネスモデルや協業が先導役となり、市場は大きな変革を遂げようとしています。

フィンテックにおける新興技術とは、人工知能（AI）、ブロックチェーン、クラウド・コンピューティング、ビッグデータ分析などの高度なデジタル技術を金融サービス分野に統合することを指します。これらの技術は、金融商品やサービスの提供方法に革命をもたらし、より効率的で安全な、より幅広い顧客層へのアクセスを可能にしています。フィンテック企業は、これらの最先端ソリューションを活用して顧客体験を向上させ、業務を合理化し、決済、融資、資産管理、保険、デジタル通貨などの分野で革新的な金融サービスを提供しています。消費者のニーズがより迅速で、よりパーソナライズされた金融サービスへとシフトする中、こうしたテクノロジーは金融業界を再構築する最前線にあり、新興企業と伝統的な金融機関の双方に新たな機会と課題を生み出しています。

フィンテック市場は急速な成長を遂げており、新興技術はこの変革において極めて重要な役割を果たしています。金融包摂の拡大、特に銀行口座の少ない地域では、より多くの人々がデジタル金融サービスにアクセスできるようになり、フィンテック分野の成長にも寄与しています。規制当局の支援や、フィンテック企業と伝統的な金融機関とのパートナーシップにより、新興技術は今後もイノベーションを推進し、世界の金融の未来を形成していくと予想されます。

産業への影響

フィンテック・セクターにおける新興技術の産業界へのインパクトは非常に大きく、これらのイノベーションは金融サービス業界全体に大きな変化をもたらしています。ブロックチェーン、人工知能（AI）、クラウド・コンピューティングなどのテクノロジーは、業務効率を高め、取引の安全性を向上させ、より正確な金融意思決定を可能にしてきました。例えば、ブロックチェーンは、透明性の向上、コストの削減、取引処理時間の短縮を実現することで、決済システムに革命をもたらしています。AIと機械学習は、不正検知、信用スコアリング、顧客サービスなどの分野に変革をもたらし、金融機関はよりパーソナライズされたデータ主導のソリューションを提供できるようになっています。さらに、デジタル決済システムやモバイル・バンキングの普及は、消費者や企業と金融サービスとの関わり方を再構築し、これらのサービスをより利用しやすく、便利で、費用対効果の高いものにしています。

これらの技術が成熟し続けるにつれ、フィンテック業界への影響は拡大し、新たなビジネスモデルと市場機会を促進しています。金融機関、特に伝統的な銀行は、革新的な技術を統合し、デジタルサービスを強化するために、フィンテック新興企業との提携を増やしています。このような協力関係により、フィンテック企業は俊敏で顧客重視のソリューションを提供し、既存銀行はリソースを活用してデジタルサービスを拡大するなど、よりダイナミックで競争力のある金融エコシステムが醸成されています。さらに、分散型金融（DeFi）や暗号通貨の台頭は従来の金融モデルをさらに破壊し、個人や企業が金融サービスにアクセスするための代替手段を提供しています。フィンテック技術の進化は金融サービス業界を再形成し、急速に変化する市場で競争力を維持しようと努力する企業に機会と課題をもたらすと予想されます。

2023年、世界のフィンテックにおける新興技術市場の評価額は2,313億米ドルに達しました。予測期間中、同市場のCAGRは24.41%を示し、2034年には2兆8,307億6,000万米ドルに達すると予測されます。フィンテックにおける新興技術に対する需要の急増は、より効率的で安全、かつ利用しやすい金融サービスへのニーズによって推進されています。消費者がシームレスなデジタル体験をますます求めるようになる中、人工知能、ブロックチェーン、クラウドコンピューティングなどの技術は、より迅速な取引、セキュリティの強化、パーソナライズされたサービスの提供を可能にしています。さらに、金融包摂への注目の高まりとモバイル・バンキングやオンライン・バンキング・サービスの拡大が、先進国市場と新興国市場の双方で革新的なフィンテックのソリューションの採用を促進しています。

市場セグメンテーション

セグメンテーション1：用途別

  • 貸出
  • ペイメント
  • ウェルス・マネジメント
  • 保険
  • その他

決済が世界のフィンテックにおける新興技術市場を独占（用途別）

予測期間2024年から2034年にかけて、デジタル決済ソリューション、モバイルウォレット、非接触型決済の採用が増加していることから、決済分野がフィンテックにおける新興技術市場を用途別で独占すると予想されます。シームレスでリアルタイムの取引に対する需要の高まりや、ブロックチェーンやAIを活用した決済セキュリティの進歩が、このシフトを後押ししています。さらに、eコマースの拡大、国境を越えた取引、金融包摂の高まりが、デジタル決済技術の世界の普及にさらに貢献しています。

セグメンテーション2：技術別

  • 人工知能
  • ブロックチェーン
  • クラウド・エッジコンピューティング
  • サイバーセキュリティ
  • 量子コンピューティング
  • その他

セグメンテーション3：地域別

  • 北米
  • 欧州
  • アジア太平洋
  • その他の地域

世界のフィンテック新興国市場における最近の動向

  • 2025年2月、FISは売掛債権管理を変革し、高度な分析と自動化別企業の回収を最適化することを目的とした新しいRevenue Insightソリューションを発表しました。
  • 2024年10月、Stripe, Inc.はBridgeを11億米ドルで買収し、暗号通貨決済の機能を強化し、世界な決済ソリューションをさらに拡大しました。
  • 2025年1月、Adyenは、人工知能を活用して加盟店の決済効率とセキュリティを強化し、取引プロセスの最適化を目指すAI搭載の決済スイートを発表しました。

需要- 促進要因、課題、機会

市場促進要因：規制の複雑化とコンプライアンスコストの上昇

  • 規制の複雑化とコンプライアンス・コストの増大が、金融機関に技術的ソリューションの導入を促しています。2008年以降の金融改革、厳格なマネーロンダリング防止（AML）、Know Your Customer（KYC）規則、GDPRやCCPAなどのデータプライバシー法、環境・社会・ガバナンス（ESG）情報開示の最近の需要により、コンプライアンス負担が大幅に増加しています。

市場の課題：高い導入コストと統合の問題

  • レガシーシステムのアップグレードや新しいフィンテック・ソリューションの採用は、既存の金融機関にとって大きな課題となっています。多くの銀行はいまだにCOBOLメインフレームなどの時代遅れのシステムに依存しており、APIやAIプラットフォームなどの最新のフィンテック・ツールの統合はリスクが高く、複雑なものとなっています。このようなレガシーシステムは、しばしばコストと時間のかかるカスタマイズを必要とし、システムのダウンタイムが重大な混乱を引き起こす可能性があります。

市場機会AIを活用したコンプライアンスとリスク管理の拡大

  • 金融機関が規制の複雑化やリスクの増大に直面する中、AIや機械学習（ML）ソリューションがコンプライアンスやリスク管理機能を強化する機会は拡大しています。アンチマネーロンダリング（AML）取引監視などの従来のシステムでは、ルールベースのシステムのため、多くの誤警報が発生することが多いです。AIはデータパターンから学習することで誤検知を大幅に減らし、コンプライアンスチームが真のリスクに集中できるようにします。

テクノロジー／イノベーション戦略：テクノロジー分野では、人工知能、クラウド・エッジコンピューティング、量子コンピューティング、サイバーセキュリティなど、フィンテック分野で利用可能な様々な新技術の包括的な概要を提供しています。これらのテクノロジーは、金融サービスの効率性、安全性、拡張性、革新性を高め、よりシームレスでパーソナライズされた顧客体験を可能にすることで、フィンテック分野に革命をもたらしています。

成長/マーケティング戦略：世界のフィンテックにおける新興技術市場では、市場参入企業による事業拡大、M&A、提携、協業、合弁などの大規模な開拓が見られます。

競合戦略：本調査で分析・プロファイルした世界のフィンテックにおける新興技術市場の主要企業には、最先端技術や戦略的パートナーシップを通じてイノベーションを推進し、デジタル金融サービスの未来を形成してきた企業が含まれます。分析では、明確な技術、提供アプリケーション、地域別の市場セグメントをカバーしています。さらに、詳細な競合ベンチマーキングを実施し、競合企業の比較や市場情勢を明らかにしています。

当レポートでは、世界のフィンテックにおける新興技術市場について調査し、市場の概要とともに、用途別、技術別、国別の動向、および市場に参入する企業のプロファイルなどを提供しています。

目次

エグゼクティブサマリー

第1章 市場：業界見通し

  • 動向：現状と将来への影響評価
    • 金融意思決定におけるAIを活用した自動化
    • クラウドベースの金融サービスの拡大
    • 安全な取引のためのブロックチェーンの採用増加
    • より厳格なコンプライアンス要件が推進するRegTechの成長
  • サプライチェーンの概要
    • バリューチェーン分析
  • 規制状況
  • 投資と成長機会
  • 主要な新興技術の影響評価
  • 研究開発レビュー
    • 特許出願動向（国別・企業別）
  • ステークホルダー分析
    • 使用事例
  • 主要な世界的出来事の影響分析
  • 市場力学の概要
    • 市場促進要因
    • 市場の課題
    • 市場機会

第2章 用途

  • 用途のセグメンテーション
  • 用途のサマリー
  • フィンテック市場における新興技術（用途別）
    • 貸出
    • 決済
    • 資産管理
    • 保険
    • その他

第3章 技術

  • 技術のセグメンテーション
  • 技術のサマリー
  • フィンテック市場における新興技術（技術別）
    • 人工知能
    • ブロックチェーン
    • クラウドとエッジコンピューティング
    • サイバーセキュリティ
    • 量子コンピューティング
    • その他

第4章 地域

  • 地域のサマリー
  • 北米
    • 地域概要
    • 市場成長促進要因
    • 市場成長抑制要因
    • 主要企業
    • 米国
    • カナダ
    • メキシコ
  • 欧州
    • 地域概要
    • 市場成長促進要因
    • 市場成長抑制要因
    • 主要企業
    • ドイツ
    • フランス
    • 英国
    • イタリア
    • その他
  • アジア太平洋
    • 地域概要
    • 市場成長促進要因
    • 市場成長抑制要因
    • 主要企業
    • 中国
    • 日本
    • インド
    • 韓国
    • その他
  • その他の地域
    • 地域概要
    • 市場成長促進要因
    • 市場成長抑制要因
    • 主要企業
    • 南米
    • 中東・アフリカ

第5章 市場-競合ベンチマーキングと企業プロファイル

  • 今後の見通し
  • 地理的評価
  • 企業プロファイル
    • PayPal
    • Block, Inc.
    • Stripe, Inc.
    • Ant Group CO., Ltd.
    • FIS
    • Adyen
    • Finastra
    • Mastercard
    • Revolut Ltd
    • Robinhood
    • Goldman Sachs
    • N26 SE
    • Zelle
    • Visa
    • Chime Financial, Inc.

第6章 調査手法

図表

List of Figures

  • Figure 1: Emerging Technology in Fintech Market (by Region), $Billion, 2023, 2028, and 2034
  • Figure 2: Emerging Technology in Fintech Market (by Application), $Billion, 2023, 2028, and 2034
  • Figure 3: Emerging Technology in Fintech Market (by Technology), $Billion, 2023, 2028, and 2034
  • Figure 4: Key Events
  • Figure 5: Supply Chain Overview
  • Figure 6: Value Chain Analysis
  • Figure 7: U.S. Emerging Technology in Fintech Market, $Billion, 2023-2034
  • Figure 8: Canada Emerging Technology in Fintech Market, $Billion, 2023-2034
  • Figure 9: Mexico Emerging Technology in Fintech Market, $Billion, 2023-2034
  • Figure 10: Germany Emerging Technology in Fintech Market, $Billion, 2023-2034
  • Figure 11: France Emerging Technology in Fintech Market, $Billion, 2023-2034
  • Figure 12: U.K. Emerging Technology in Fintech Market, $Billion, 2023-2034
  • Figure 13: Italy Emerging Technology in Fintech Market, $Billion, 2023-2034
  • Figure 14: Rest-of-Europe Emerging Technology in Fintech Market, $Billion, 2023-2034
  • Figure 15: China Emerging Technology in Fintech Market, $Billion, 2023-2034
  • Figure 16: Japan Emerging Technology in Fintech Market, $Billion, 2023-2034
  • Figure 17: India Emerging Technology in Fintech Market, $Billion, 2023-2034
  • Figure 18: South Korea Emerging Technology in Fintech Market, $Billion, 2023-2034
  • Figure 19: Rest-of-Asia-Pacific Emerging Technology in Fintech Market, $Billion, 2023-2034
  • Figure 20: South America Emerging Technology in Fintech Market, $Billion, 2023-2034
  • Figure 21: Middle East and Africa Emerging Technology in Fintech Market, $Billion, 2023-2034
  • Figure 22: Data Triangulation
  • Figure 23: Top-Down and Bottom-Up Approach
  • Figure 24: Assumptions and Limitations

List of Tables

  • Table 1: Market Snapshot
  • Table 2: Opportunities across Regions
  • Table 3: Competitive Landscape Snapshot
  • Table 4: Trends: Current and Future Impact Assessment
  • Table 5: Key Fintech Regulations Across Major Jurisdictions
  • Table 6: Impact of Emerging Technologies in Fintech
  • Table 7: Key Stakeholders in the Fintech Ecosystem
  • Table 8: Use Case Analysis (Real-World Applications)
  • Table 9: Impact Analysis for Key Global Events
  • Table 10: Impact Analysis of Emerging Technology in Fintech Market Navigating Factors, 2023-2034
  • Table 11: Application Summary
  • Table 12: Technology Summary
  • Table 13: Global Emerging Technology in Fintech Market (by Region), $Billion, 2023-2034
  • Table 14: North America Emerging Technology in Fintech Market (by Application), $Billion, 2023-2034
  • Table 15: North America Emerging Technology in Fintech Market (by Technology), $Billion, 2023-2034
  • Table 16: U.S. Emerging Technology in Fintech Market (by Application), $Billion, 2023-2034
  • Table 17: U.S. Emerging Technology in Fintech Market (by Technology), $Billion, 2023-2034
  • Table 18: Canada Emerging Technology in Fintech Market (by Application), $Billion, 2023-2034
  • Table 19: Canada Emerging Technology in Fintech Market (by Technology), $Billion, 2023-2034
  • Table 20: Mexico Emerging Technology in Fintech Market (by Application), $Billion, 2023-2034
  • Table 21: Mexico Emerging Technology in Fintech Market (by Technology), $Billion, 2023-2034
  • Table 22: Europe Emerging Technology in Fintech Market (by Application), $Billion, 2023-2034
  • Table 23: Europe Emerging Technology in Fintech Market (by Technology), $Billion, 2023-2034
  • Table 24: Germany Emerging Technology in Fintech Market (by Application), $Billion, 2023-2034
  • Table 25: Germany Emerging Technology in Fintech Market (by Technology), $Billion, 2023-2034
  • Table 26: France Emerging Technology in Fintech Market (by Application), $Billion, 2023-2034
  • Table 27: France Emerging Technology in Fintech Market (by Technology), $Billion, 2023-2034
  • Table 28: U.K. Emerging Technology in Fintech Market (by Application), $Billion, 2023-2034
  • Table 29: U.K. Emerging Technology in Fintech Market (by Technology), $Billion, 2023-2034
  • Table 30: Italy Emerging Technology in Fintech Market (by Application), $Billion, 2023-2034
  • Table 31: Italy Emerging Technology in Fintech Market (by Technology), $Billion, 2023-2034
  • Table 32: Rest-of-Europe Emerging Technology in Fintech Market (by Application), $Billion, 2023-2034
  • Table 33: Rest-of-Europe Emerging Technology in Fintech Market (by Technology), $Billion, 2023-2034
  • Table 34: Asia-Pacific Emerging Technology in Fintech Market (by Application), $Billion, 2023-2034
  • Table 35: Asia-Pacific Emerging Technology in Fintech Market (by Technology), $Billion, 2023-2034
  • Table 36: China Emerging Technology in Fintech Market (by Application), $Billion, 2023-2034
  • Table 37: China Emerging Technology in Fintech Market (by Technology), $Billion, 2023-2034
  • Table 38: Japan Emerging Technology in Fintech Market (by Application), $Billion, 2023-2034
  • Table 39: Japan Emerging Technology in Fintech Market (by Technology), $Billion, 2023-2034
  • Table 40: India Emerging Technology in Fintech Market (by Application), $Billion, 2023-2034
  • Table 41: India Emerging Technology in Fintech Market (by Technology), $Billion, 2023-2034
  • Table 42: South Korea Emerging Technology in Fintech Market (by Application), $Billion, 2023-2034
  • Table 43: South Korea Emerging Technology in Fintech Market (by Technology), $Billion, 2023-2034
  • Table 44: Rest-of-Asia-Pacific Emerging Technology in Fintech Market (by Application), $Billion, 2023-2034
  • Table 45: Rest-of-Asia-Pacific Emerging Technology in Fintech Market (by Technology), $Billion, 2023-2034
  • Table 46: Rest-of-the-World Emerging Technology in Fintech Market (by Application), $Billion, 2023-2034
  • Table 47: Rest-of-the-World Emerging Technology in Fintech Market (by Technology), $Billion, 2023-2034
  • Table 48: South America Emerging Technology in Fintech Market (by Application), $Billion, 2023-2034
  • Table 49: South America Emerging Technology in Fintech Market (by Technology), $Billion, 2023-2034
  • Table 50: Middle East and Africa Emerging Technology in Fintech Market (by Application), $Billion, 2023-2034
  • Table 51: Middle East and Africa Emerging Technology in Fintech Market (by Technology), $Billion, 2023-2034
  • Table 52: Market Share, 2023
目次
Product Code: DT02575SA

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Global Emerging Technology in Fintech Market Overview

The global emerging technology in fintech market, valued at $231.30 billion in 2023, is expected to reach $2,830.76 billion by 2034, exhibiting a robust CAGR of 24.41% during the forecast period 2024-2034. One of the primary drivers for the growth of the emerging technology in fintech market is the increasing demand for digital financial solutions, fueled by the rapid adoption of mobile banking, digital payments, and AI-driven services. Additionally, advancements in blockchain technology, coupled with the push for financial inclusion and enhanced security features, have been further accelerating the adoption of innovative fintech solutions across both developed and emerging markets. A favorable regulatory environment and partnerships between fintech companies and traditional financial institutions also support this growth.

KEY MARKET STATISTICS
Forecast Period2024 - 2034
2024 Evaluation$318.73 Billion
2034 Forecast$2,830.76 Billion
CAGR24.41%

Introduction to Emerging Technology in Fintech Market

The emerging technology in fintech market has been transforming the global financial services landscape by integrating advanced technological innovations such as artificial intelligence (AI), blockchain, cloud computing, and big data analytics into traditional financial systems. These technologies enable financial institutions and fintech companies to offer more efficient, secure, and personalized services across various sectors, including payments, lending, wealth management, insurance, and digital currencies. As consumer expectations evolve and demand for seamless, real-time financial solutions rises, fintech has been increasingly playing a pivotal role in reshaping how individuals and businesses interact with financial products. The industry's rapid expansion has been driven by the growing digitalization of finance and a shift toward mobile-first, customer-centric services.

With a projected compound annual growth rate (CAGR) of 24.41% from 2024 to 2034, the fintech market is expected to reach a valuation of $2,830.76 billion by 2034. This growth is fueled by the ongoing advancements in technology, the expanding reach of digital banking services, and the increasing adoption of cryptocurrencies and blockchain technology for secure, transparent transactions. Emerging technologies have also been driving financial inclusion, particularly in underserved regions where traditional banking services are limited. As fintech companies continue to innovate and disrupt traditional financial systems, the market is set for significant transformation, with new business models and collaborations between fintech startups and legacy financial institutions leading the charge.

Introduction to Emerging Technology in Fintech

Emerging technology in fintech refers to the integration of advanced digital innovations such as artificial intelligence (AI), blockchain, cloud computing, and big data analytics within the financial services sector. These technologies have been revolutionizing the way financial products and services are delivered, making them more efficient, secure, and accessible to a broader customer base. Fintech companies leverage these cutting-edge solutions to enhance customer experiences, streamline operations, and offer innovative financial services across areas such as payments, lending, wealth management, insurance, and digital currencies. As consumer demands shift toward faster, more personalized financial services, these technologies are at the forefront of reshaping the financial landscape, creating new opportunities and challenges for both startups and traditional financial institutions.

The fintech market has been experiencing rapid growth, with emerging technologies playing a pivotal role in this transformation. The expansion of financial inclusion, especially in underbanked regions, is also contributing to the growth of the fintech sector as more people gain access to digital financial services. With regulatory support and partnerships between fintech firms and traditional financial institutions, emerging technologies are expected to continue driving innovation and shaping the future of global finance.

Industrial Impact

The industrial impact of emerging technologies in the fintech sector is profound, as these innovations have been driving substantial changes across the financial services industry. Technologies such as blockchain, artificial intelligence (AI), and cloud computing have been enhancing operational efficiencies, improving transaction security, and enabling more accurate financial decision-making. For instance, blockchain has been revolutionizing payments and settlement systems by offering greater transparency, reduced costs, and faster transaction processing times. AI and machine learning are transforming areas such as fraud detection, credit scoring, and customer service, allowing financial institutions to offer more personalized and data-driven solutions. Additionally, the widespread adoption of digital payment systems and mobile banking has been reshaping the way consumers and businesses interact with financial services, making these services more accessible, convenient, and cost-effective.

As these technologies continue to mature, their impact on the fintech industry has been expanding, driving new business models and market opportunities. Financial institutions, particularly traditional banks, have been increasingly partnering with fintech startups to integrate innovative technologies and enhance their digital offerings. This collaboration has been fostering a more dynamic and competitive financial ecosystem, with fintech companies providing agile, customer-focused solutions and established banks leveraging their resources to scale digital services. Moreover, the rise of decentralized finance (DeFi) and cryptocurrencies has been further disrupting traditional financial models, offering alternative ways for individuals and businesses to access financial services. The evolution of fintech technologies is expected to reshape the financial services industry, creating opportunities and challenges for companies striving to remain competitive in a rapidly changing market.

In 2023, the global emerging technology in fintech market reached a valuation of $231.30 billion. Over the forecast period, the market is projected to exhibit a CAGR of 24.41%, reaching a value of $2,830.76 billion by 2034. The surge in demand for emerging technology in fintech is propelled by the need for more efficient, secure, and accessible financial services. As consumers increasingly seek seamless digital experiences, technologies such as artificial intelligence, blockchain, and cloud computing have been enabling faster transactions, enhanced security, and personalized offerings. Additionally, the growing focus on financial inclusion and the expansion of mobile and online banking services have been driving the adoption of innovative fintech solutions across both developed and emerging markets.

Market Segmentation:

Segmentation 1: by Application

  • Lending
  • Payments
  • Wealth Management
  • Insurance
  • Others

Payments to Dominate the Global Emerging Technology in Fintech Market (by Application)

During the forecast period 2024-2034, the payments segment is expected to dominate the emerging technology in fintech market by application due to the increasing adoption of digital payment solutions, mobile wallets, and contactless payments. The growing demand for seamless, real-time transactions and advancements in blockchain and AI-driven payment security has been driving this shift. Additionally, the expansion of e-commerce, cross-border transactions, and the rise of financial inclusion have been further contributing to the widespread adoption of digital payment technologies globally.

Segmentation 2: by Technology

  • Artificial Intelligence
  • Blockchain
  • Cloud and Edge Computing
  • Cybersecurity
  • Quantum Computing
  • Others

Segmentation 3: by Region

  • North America
  • Europe
  • Asia-Pacific
  • Rest-of-the-World

Recent Developments in the Global Emerging Technology in Fintech Market

  • In February 2025, FIS launched its new Revenue Insight solution, designed to transform accounts receivable management and optimize collections for businesses through advanced analytics and automation.
  • In October 2024, Stripe, Inc. acquired Bridge for $1.1 billion, enhancing its capabilities in cryptocurrency payments and further expanding its global payment solutions.
  • In January 2025, Adyen unveiled an AI-powered payment suite aimed at optimizing transaction processes, leveraging artificial intelligence to enhance payment efficiency and security for merchants.

Demand - Drivers, Challenges, and Opportunities

Market Driver: Rising Regulatory Complexity and Compliance Costs

  • Rising regulatory complexity and increasing compliance costs have been driving financial institutions to adopt technological solutions. Post-2008 financial reforms, along with stringent Anti-Money Laundering (AML), Know Your Customer (KYC) rules, data privacy laws such as GDPR and CCPA, and the recent demand for Environmental, Social, and Governance (ESG) disclosures, have significantly raised compliance burdens.

Market Challenge: High Implementation Costs and Integration Issues

  • Upgrading legacy systems or adopting new fintech solutions presents significant challenges for established financial institutions. Many banks still rely on outdated systems, such as COBOL mainframes, which make integrating modern fintech tools such as APIs or AI platforms risky and complex. These legacy systems often require costly and time-consuming customization, with any system downtime potentially causing significant disruption.

Market Opportunity: Expansion of AI-Driven Compliance and Risk Management

  • As financial institutions face increasing regulatory complexity and growing risks, the opportunity for AI and machine learning (ML) solutions to enhance compliance and risk management functions is expanding. Traditional systems, such as anti-money laundering (AML) transaction monitoring, often generate many false alarms due to rule-based systems. AI can significantly reduce false positives by learning from data patterns, allowing compliance teams to focus on genuine risks.

How can this report add value to an organization?

Technology/Innovation Strategy: The technology segment provides a comprehensive overview of the various emerging technologies available in the fintech sector, such as artificial intelligence, cloud and edge computing, quantum computing, and cybersecurity. These technologies have been revolutionizing the fintech sector by enhancing efficiency, security, scalability, and innovation in financial services, enabling more seamless and personalized customer experiences.

Growth/Marketing Strategy: The global emerging technology in fintech market has seen major development by key participants operating in the market, such as business expansion, merger and acquisition, partnership, collaboration, and joint venture.

Competitive Strategy: Key players in the global emerging technology in fintech market analyzed and profiled in the study include companies that have been driving innovation and shaping the future of digital financial services through cutting-edge technologies and strategic partnerships. The analysis covers market segments by distinct technologies, applications served, and regional presence. Additionally, detailed competitive benchmarking has been conducted to illustrate how players compare, providing a clear view of the market landscape.

Research Methodology

Data Sources

Primary Data Sources

The primary sources involve industry experts from the emerging technology in the fintech industry and various stakeholders such as standards and certification organizations, emerging technology in fintech project developers, and accounting tool providers. Respondents such as CEOs, vice presidents, marketing directors, and technology and innovation directors have been interviewed to obtain and verify both qualitative and quantitative aspects of this research study.

The key data points taken from primary sources include:

  • validation and triangulation of all the numbers and graphs
  • validation of reports segmentation and key qualitative findings
  • understanding the competitive landscape
  • validation of the numbers of various markets for market type
  • percentage split of individual markets for regional analysis

Secondary Data Sources

This research study involves the usage of extensive secondary research, directories, company websites, and annual reports. It also makes use of databases, such as ITU, Hoovers, Bloomberg, Businessweek, and Factiva, to collect useful and effective information for an extensive, technical, market-oriented, and commercial study of the global emerging technology in fintech market. In addition to the data sources, the study has been undertaken with the help of other data sources and websites, such as Data Center Dynamics and Data Center Knowledge.

Secondary research was done to obtain crucial information about the industry's value chain, revenue models, the market's monetary chain, the total pool of key players, and the current and potential use cases and applications.

The key data points taken from secondary research include:

  • segmentations and percentage shares
  • data for market value
  • key industry trends of the top players of the market
  • qualitative insights into various aspects of the market, key trends, and emerging areas of innovation
  • quantitative data for mathematical and statistical calculations

Data Triangulation

This research study involves the usage of extensive secondary sources, such as certified publications, articles from recognized authors, This research study involves the usage of extensive secondary sources, such as certified publications, articles from recognized authors, white papers, annual reports of companies, directories, and major databases to collect useful and effective information for an extensive, technical, market-oriented, and commercial study of the global emerging technology in fintech market.

The market engineering process involves the calculation of the market statistics, market size estimation, market forecast, market crackdown, and data triangulation (the methodology for such quantitative data processes is explained in further sections). The primary research study has been undertaken to gather information and validate the market numbers for segmentation types and industry trends of the key players in the market.

Factors for Data Prediction and Modeling

  • The section exhibits the standard assumptions and limitations followed throughout the research study, which is named the global emerging technology in fintech market.
  • The scope of this report has been focused on various applications and product types.
  • The base currency considered for the market analysis is US$. Currencies other than the US$ have been converted to the US$ for all statistical calculations, considering the average conversion rate for that particular year.
  • The currency conversion rate was taken from the historical exchange rate on the Oanda website.
  • Nearly all the recent developments from January 2021 to March 2025 have been considered in this research study.
  • The information rendered in the report is a result of in-depth primary interviews, surveys, and secondary analysis.
  • Where relevant information was not available, proxy indicators and extrapolation were employed.
  • Any economic downturn in the future has not been taken into consideration for the market estimation and forecast.
  • Technologies currently used are expected to persist through the forecast with no major technological breakthroughs.

Key Market Players and Competition Synopsis

The companies profiled in the emerging technology in fintech market have been selected based on inputs gathered from primary experts and through an analysis of company coverage, product portfolio, application, and market penetration. The emerging technology in the fintech market has been characterized by the presence of companies that leverage innovative solutions such as AI, blockchain, and cloud computing to disrupt traditional financial services, providing more efficient, secure, and accessible financial products. These companies have been reshaping the landscape by offering services such as digital payments, lending, and wealth management, catering to a broader and more diverse customer base.

Major players in the emerging technology in fintech market include PayPal, Ant Group CO., Ltd., Stripe, Inc., and Visa.

Some other prominent key players in the emerging technology in fintech market key players have been given here.

  • Block, Inc.
  • FIS
  • Adyen
  • Finastra
  • Mastercard
  • Revolut Ltd
  • Robinhood
  • Goldman Sachs
  • N26 SE
  • Zelle
  • Chime Financial, Inc.

Table of Contents

Executive Summary

Scope and Definition

1 Market: Industry Outlook

  • 1.1 Trends: Current and Future Impact Assessment
    • 1.1.1 AI-Powered Automation in Financial Decision-Making
    • 1.1.2 Expansion of Cloud-Based Financial Services
    • 1.1.3 Increased Blockchain Adoption for Secure Transactions
    • 1.1.4 RegTech Growth Driven by Stricter Compliance Requirements
  • 1.2 Supply Chain Overview
    • 1.2.1 Value Chain Analysis
  • 1.3 Regulatory Landscape
  • 1.4 Investment and Growth Opportunities
  • 1.5 Impact Assessment of Major Emerging Technologies
  • 1.6 Research and Development Review
    • 1.6.1 Patent Filing Trend (by Country and Company)
  • 1.7 Stakeholder Analysis
    • 1.7.1 Use Case
  • 1.8 Impact Analysis for Key Global Events
  • 1.9 Market Dynamics Overview
    • 1.9.1 Market Drivers
      • 1.9.1.1 Rising Regulatory Complexity and Compliance Costs
      • 1.9.1.2 Surge in Financial Fraud and Cyber Threats
      • 1.9.1.3 Rapid Digital Transformation in Financial Services
      • 1.9.1.4 Growing Adoption of AI and Big Data Analytics
    • 1.9.2 Market Challenges
      • 1.9.2.1 High Implementation Costs and Integration Issues
      • 1.9.2.2 Evolving Regulatory Landscape and Uncertainty
      • 1.9.2.3 Cybersecurity Risks and Data Privacy Concerns
    • 1.9.3 Market Opportunities
      • 1.9.3.1 Expansion of AI-Driven Compliance and Risk Management
      • 1.9.3.2 Increased Adoption of Blockchain for Secure Transactions
      • 1.9.3.3 Growth in Cloud-Based Financial Services and SaaS Models
      • 1.9.3.4 Emergence of Quantum Computing for Advanced Financial Analysis

2 Application

  • 2.1 Application Segmentation
  • 2.2 Application Summary
  • 2.3 Emerging Technology in Fintech Market (by Application)
    • 2.3.1 Lending
    • 2.3.2 Payment
    • 2.3.3 Wealth Management
    • 2.3.4 Insurance
    • 2.3.5 Others

3 Technology

  • 3.1 Technology Segmentation
  • 3.2 Technology Summary
  • 3.3 Emerging Technology in Fintech Market (by Technology)
    • 3.3.1 Artificial Intelligence
    • 3.3.2 Blockchain
    • 3.3.3 Cloud and Edge Computing
    • 3.3.4 Cybersecurity
    • 3.3.5 Quantum Computing
    • 3.3.6 Others

4 Regions

  • 4.1 Regional Summary
  • 4.2 North America
    • 4.2.1 Regional Overview
    • 4.2.2 Driving Factors for Market Growth
    • 4.2.3 Factors Challenging the Market
    • 4.2.4 Key Companies
      • 4.2.4.1 Application
      • 4.2.4.2 Technology
    • 4.2.5 U.S.
      • 4.2.5.1 Application
      • 4.2.5.2 Technology
    • 4.2.6 Canada
      • 4.2.6.1 Application
      • 4.2.6.2 Technology
    • 4.2.7 Mexico
      • 4.2.7.1 Application
      • 4.2.7.2 Technology
  • 4.3 Europe
    • 4.3.1 Regional Overview
    • 4.3.2 Driving Factors for Market Growth
    • 4.3.3 Factors Challenging the Market
    • 4.3.4 Key Companies
      • 4.3.4.1 Application
      • 4.3.4.2 Technology
    • 4.3.5 Germany
      • 4.3.5.1 Application
      • 4.3.5.2 Technology
    • 4.3.6 France
      • 4.3.6.1 Application
      • 4.3.6.2 Technology
    • 4.3.7 U.K.
      • 4.3.7.1 Application
      • 4.3.7.2 Technology
    • 4.3.8 Italy
      • 4.3.8.1 Application
      • 4.3.8.2 Technology
    • 4.3.9 Rest-of-Europe
      • 4.3.9.1 Application
      • 4.3.9.2 Technology
  • 4.4 Asia-Pacific
    • 4.4.1 Regional Overview
    • 4.4.2 Driving Factors for Market Growth
    • 4.4.3 Factors Challenging the Market
    • 4.4.4 Key Companies
      • 4.4.4.1 Application
      • 4.4.4.2 Technology
    • 4.4.5 China
      • 4.4.5.1 Application
      • 4.4.5.2 Technology
    • 4.4.6 Japan
      • 4.4.6.1 Application
      • 4.4.6.2 Technology
    • 4.4.7 India
      • 4.4.7.1 Application
      • 4.4.7.2 Technology
    • 4.4.8 South Korea
      • 4.4.8.1 Application
      • 4.4.8.2 Technology
    • 4.4.9 Rest-of-Asia-Pacific
      • 4.4.9.1 Application
      • 4.4.9.2 Technology
  • 4.5 Rest-of-the-World
    • 4.5.1 Regional Overview
    • 4.5.2 Driving Factors for Market Growth
    • 4.5.3 Factors Challenging the Market
    • 4.5.4 Key Companies
      • 4.5.4.1 Application
      • 4.5.4.2 Technology
    • 4.5.5 South America
      • 4.5.5.1 Application
      • 4.5.5.2 Technology
    • 4.5.6 Middle East and Africa
      • 4.5.6.1 Application
      • 4.5.6.2 Technology

5 Markets - Competitive Benchmarking & Company Profiles

  • 5.1 Next Frontiers
  • 5.2 Geographic Assessment
  • 5.3 Company Profiles
    • 5.3.1 PayPal
      • 5.3.1.1 Overview
      • 5.3.1.2 Top Products/Product Portfolio
      • 5.3.1.3 Top Competitors
      • 5.3.1.4 Target Customers
      • 5.3.1.5 Key Personnel
      • 5.3.1.6 Analyst View
      • 5.3.1.7 Market Share, 2023
    • 5.3.2 Block, Inc.
      • 5.3.2.1 Overview
      • 5.3.2.2 Top Products/Product Portfolio
      • 5.3.2.3 Top Competitors
      • 5.3.2.4 Target Customers
      • 5.3.2.5 Key Personnel
      • 5.3.2.6 Analyst View
      • 5.3.2.7 Market Share, 2023
    • 5.3.3 Stripe, Inc.
      • 5.3.3.1 Overview
      • 5.3.3.2 Top Products/Product Portfolio
      • 5.3.3.3 Top Competitors
      • 5.3.3.4 Target Customers
      • 5.3.3.5 Key Personnel
      • 5.3.3.6 Analyst View
      • 5.3.3.7 Market Share, 2023
    • 5.3.4 Ant Group CO., Ltd.
      • 5.3.4.1 Overview
      • 5.3.4.2 Top Products/Product Portfolio
      • 5.3.4.3 Top Competitors
      • 5.3.4.4 Target Customers
      • 5.3.4.5 Key Personnel
      • 5.3.4.6 Analyst View
      • 5.3.4.7 Market Share, 2023
    • 5.3.5 FIS
      • 5.3.5.1 Overview
      • 5.3.5.2 Top Products/Product Portfolio
      • 5.3.5.3 Top Competitors
      • 5.3.5.4 Target Customers
      • 5.3.5.5 Key Personnel
      • 5.3.5.6 Analyst View
      • 5.3.5.7 Market Share, 2023
    • 5.3.6 Adyen
      • 5.3.6.1 Overview
      • 5.3.6.2 Top Products/Product Portfolio
      • 5.3.6.3 Top Competitors
      • 5.3.6.4 Target Customers
      • 5.3.6.5 Key Personnel
      • 5.3.6.6 Analyst View
      • 5.3.6.7 Market Share, 2023
    • 5.3.7 Finastra
      • 5.3.7.1 Overview
      • 5.3.7.2 Top Products/Product Portfolio
      • 5.3.7.3 Top Competitors
      • 5.3.7.4 Target Customers
      • 5.3.7.5 Key Personnel
      • 5.3.7.6 Analyst View
      • 5.3.7.7 Market Share, 2023
    • 5.3.8 Mastercard
      • 5.3.8.1 Overview
      • 5.3.8.2 Top Products/Product Portfolio
      • 5.3.8.3 Top Competitors
      • 5.3.8.4 Target Customers
      • 5.3.8.5 Key Personnel
      • 5.3.8.6 Analyst View
      • 5.3.8.7 Market Share, 2023
    • 5.3.9 Revolut Ltd
      • 5.3.9.1 Overview
      • 5.3.9.2 Top Products/Product Portfolio
      • 5.3.9.3 Top Competitors
      • 5.3.9.4 Target Customers
      • 5.3.9.5 Key Personnel
      • 5.3.9.6 Analyst View
      • 5.3.9.7 Market Share, 2023
    • 5.3.10 Robinhood
      • 5.3.10.1 Overview
      • 5.3.10.2 Top Products/Product Portfolio
      • 5.3.10.3 Top Competitors
      • 5.3.10.4 Target Customers
      • 5.3.10.5 Key Personnel
      • 5.3.10.6 Analyst View
      • 5.3.10.7 Market Share, 2023
    • 5.3.11 Goldman Sachs
      • 5.3.11.1 Overview
      • 5.3.11.2 Top Products/Product Portfolio
      • 5.3.11.3 Top Competitors
      • 5.3.11.4 Target Customers
      • 5.3.11.5 Key Personnel
      • 5.3.11.6 Analyst View
      • 5.3.11.7 Market Share, 2023
    • 5.3.12 N26 SE
      • 5.3.12.1 Overview
      • 5.3.12.2 Top Products/Product Portfolio
      • 5.3.12.3 Top Competitors
      • 5.3.12.4 Target Customers
      • 5.3.12.5 Key Personnel
      • 5.3.12.6 Analyst View
      • 5.3.12.7 Market Share, 2023
    • 5.3.13 Zelle
      • 5.3.13.1 Overview
      • 5.3.13.2 Top Products/Product Portfolio
      • 5.3.13.3 Top Competitors
      • 5.3.13.4 Target Customers
      • 5.3.13.5 Key Personnel
      • 5.3.13.6 Analyst View
      • 5.3.13.7 Market Share, 2023
    • 5.3.14 Visa
      • 5.3.14.1 Overview
      • 5.3.14.2 Top Products/Product Portfolio
      • 5.3.14.3 Top Competitors
      • 5.3.14.4 Target Customers
      • 5.3.14.5 Key Personnel
      • 5.3.14.6 Analyst View
      • 5.3.14.7 Market Share, 2023
    • 5.3.15 Chime Financial, Inc.
      • 5.3.15.1 Overview
      • 5.3.15.2 Top Products/Product Portfolio
      • 5.3.15.3 Top Competitors
      • 5.3.15.4 Target Customers
      • 5.3.15.5 Key Personnel
      • 5.3.15.6 Analyst View
      • 5.3.15.7 Market Share, 2023

6 Research Methodology

  • 6.1 Data Sources
    • 6.1.1 Primary Data Sources
    • 6.1.2 Secondary Data Sources
    • 6.1.3 Data Triangulation
  • 6.2 Market Estimation and Forecast