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市場調査レポート
商品コード
1541006
デジタルレンディングプラットフォーム市場レポート:タイプ、コンポーネント、展開モデル、業界別、地域別、2024年~2032年Digital Lending Platform Market Report by Type, Component, Deployment Model, Industry Vertical, and Region 2024-2032 |
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カスタマイズ可能
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デジタルレンディングプラットフォーム市場レポート:タイプ、コンポーネント、展開モデル、業界別、地域別、2024年~2032年 |
出版日: 2024年08月10日
発行: IMARC
ページ情報: 英文 143 Pages
納期: 2~3営業日
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世界のデジタルレンディングプラットフォーム市場規模は2023年に116億米ドルに達しました。今後、IMARC Groupは、2024~2032年にかけての成長率(CAGR)は12.5%を示し、2032年には343億米ドルに達すると予測しています。より包括的な金融エコシステムを構築するための他のフィンテックサービスとの連携が市場を後押ししています。
主要市場促進要因:高速インターネットの普及とともに、スマートフォン接続が容易に利用できるようになったことが市場を活性化しています。
主要市場動向:ユーザーインターフェースやユーザー体験をパーソナライズするニーズの高まりが、大きな成長促進要因となっています。さらに、資金調達を求める中小企業の増加が市場をさらに刺激しています。
競合情勢:世界市場の著名企業には、Black Knight Inc.、Finastra、FIS、Fiserv Inc.、Intellect Design Arena Ltd.、Intercontinental Exchange Inc.、Nucleus Software Exports Ltd.、Pegasystems Inc.、Roostify Inc.、Tavant Technologies、Wipro Limitedなどがあります。
地理的動向:北米は、デジタルオートメーションに重点が置かれているため、市場で明確な優位性を示しています。
課題と機会:市場を阻害している制約のひとつは、信用評価基準が標準化されていないことです。しかし、統一されたデータ検証の実施により、予測期間中、市場は活性化すると予測されます。
ユーザー・エクスペリエンス重視の高まり
パーソナライゼーション重視の高まりが市場を刺激しています。さらに、さまざまなプラットフォームが先進技術を活用し、合理化された申請プロセス、直感的なインターフェース、個々の借り手のニーズに合わせたカスタマイズ型ローン商品を提供しています。例えば、2024年5月、PhonePeは、PhonePeアプリ内にセキュリティで保護されたデジタル融資プラットフォームを導入し、約5億3,500万人の登録ユーザーが、金融資、投資信託ローン、自動車ローンなど、6つのカテゴリーにわたる融資にアクセスできるようにしました。
高まる規制支援
金融システムの整合性を維持し、消費者を保護し、イノベーションを促進するために、規制当局が好意的な政策を打ち出していることが、デジタルレンディングプラットフォーム市場の需要を高めています。例えば、Salesforceは2024年6月、インドの政府機関や公共部門に権限を与え、市民体験を向上させるデジタル融資プラットフォームを発表しました。これに加えて、データプライバシー法の施行が、TemenosやFinastraなどのプラットフォームの人気を高めています。
代替チャネルの拡大
フィンテックスタートアップの増加は、大きな成長促進要因となっています。さらに、代替融資チャネルは、伝統的な銀行機関以外の、より多様で利用しやすい融資オプションを提供しています。その結果、世界中で幅広い支持を集めています。例えば、2024年3月、金融機関と医療機関を結びつけ、患者の決済を合理化するプロバイダーの1つであるEpic Riverは、信用組合に特化した包括的なデジタル融資プラットフォームを開発しました。
The global digital lending platform market size reached US$ 11.6 Billion in 2023. Looking forward, IMARC Group expects the market to reach US$ 34.3 Billion by 2032, exhibiting a growth rate (CAGR) of 12.5% during 2024-2032. Collaborations with other fintech services to create a more comprehensive financial ecosystem are propelling the market.
Major Market Drivers: The easy availability of smartphone connections, along with the growing penetration of high-speed internet, is catalyzing the market.
Key Market Trends: The rising need for personalizing user interfaces and experiences is acting as a significant growth-inducing factor. Additionally, the increasing number of small and medium-sized enterprises (SMEs) seeking funding is further stimulating the market.
Competitive Landscape: Some of the prominent companies in the global market include Black Knight Inc., Finastra, FIS, Fiserv Inc., Intellect Design Arena Ltd, Intercontinental Exchange Inc., Nucleus Software Exports Ltd., Pegasystems Inc., Roostify Inc., Tavant Technologies, and Wipro Limited, among many others.
Geographical Trends: North America exhibits a clear dominance in the market, owing to the widespread emphasis on digital automation.
Challenges and Opportunities: One of the limitations hindering the market is the lack of standardized credit assessment criteria. However, the implementation of uniform data verification practices is anticipated to fuel the market over the forecasted period.
Growing Focus on User Experience
The inflating emphasis on personalization is stimulating the market. Moreover, various platforms are leveraging advanced technologies to offer streamlined application processes, intuitive interfaces, and customized loan products tailored to individual borrower needs. For example, in May 2024, PhonePe introduced its secured digital lending platform within the PhonePe app, which enables approximately 535 million registered users to access loans across six separate categories, including gold loans, mutual fund loans, car loans, etc.
Rising Regulatory Support
The launch of favorable policies by regulatory bodies to maintain the integrity of the financial system, protect consumers, promote innovation, etc., is escalating the digital lending platform market demand. For example, in June 2024, Salesforce unveiled its digital lending platform to empower government agencies and public sector organizations in India to enhance citizen experiences. Besides this, the implementation of data privacy laws is inflating the popularity of platforms, such as Temenos and Finastra.
Expanding Alternative Channels
The growing number of fintech startups is acting as a significant growth-inducing factor. Additionally, alternative lending channels offer more diverse and accessible financing options outside traditional banking institutions. Consequently, they are gaining extensive traction across the globe. For instance, in March 2024, Epic River, one of the providers that connects financial institutions with healthcare providers to streamline patient payments, developed its comprehensive digital lending platform specifically tailored for credit unions.
IMARC Group provides an analysis of the key trends in each segment of the market, along with the digital lending platform market forecast at the global, regional, and country levels for 2024-2032. Our report has categorized the market based on the type, component, deployment model, and industry vertical.
Loan Origination
Decision Automation
Collections and Recovery
Risk and Compliance Management
Others
Loan origination dominates the market
The report has provided a detailed breakup and analysis of the market based on the type. This includes loan origination, decision automation, collections and recovery, risk and compliance management, and others. According to the report, loan origination represented the largest market segmentation.
Loan origination involves the creation, processing, and approval of new applications. For example, platforms like SoFi and LendingClub offer comprehensive digital solutions that enhance data collection, simplify processes, accelerate approval times through advanced algorithms, etc.
Solutions
Services
Solutions currently hold the majority of the total digital lending platform market share
The report has provided a detailed breakup and analysis of the market based on the component. This includes solutions and services. According to the report, solutions represented the largest market segmentation.
Solutions are pivotal in modernizing the lending landscape by improving accuracy and increasing operational efficiency. For instance, Finastra's Fusion Loan IQ provides a comprehensive suite for financial institutions to manage complex lending processes efficiently.
On-premises
Cloud-based
On-premises holds the majority of the global digital lending platform market revenue
The report has provided a detailed breakup and analysis of the market based on the deployment model. This includes on-premises and cloud-based. According to the report, on-premises represented the largest market segmentation.
An on-premises digital lending platform is installed and operated within an organization's own IT infrastructure. One of the examples is FIS's loan origination system, which provides a robust on-premises solution for managing the complete loan lifecycle.
Banks
Insurance Companies
Credit Unions
Savings and Loan Associations
Peer-to-Peer Lending
Others
Banks dominate the digital lending platform market statistics
The report has provided a detailed breakup and analysis of the market based on the industry vertical. This includes banks, insurance companies, credit unions, savings and loan associations, peer-to-peer lending, and others. According to the report, banks represented the largest market segmentation.
The rising need among banks for streamlining and enhancing the traditional lending process is augmenting the segment. For instance, Temenos Infinity offers a comprehensive solution that enables banks to manage the entire loan lifecycle.
North America
United States
Canada
Asia-Pacific
China
Japan
India
South Korea
Australia
Indonesia
Others
Europe
Germany
France
United Kingdom
Italy
Spain
Russia
Others
Latin America
Brazil
Mexico
Others
Middle East and Africa
North America exhibits a clear dominance in the market
The digital lending platform market research report has also provided a comprehensive analysis of all the major regional markets, which include North America (the United States and Canada); Asia Pacific (China, Japan, India, South Korea, Australia, Indonesia, and others); Europe (Germany, France, the United Kingdom, Italy, Spain, Russia, and others); Latin America (Brazil, Mexico, and others); and the Middle East and Africa. According to the report, North America accounted for the largest market share.
The regional market is primarily bolstered due to the inflating popularity of peer-to-peer lending platforms. This can be attributed to the increasing opportunity to diversify the portfolios of investors. According to the IMARC, the United States peer-to-peer lending platforms market size is projected to exhibit a growth rate (CAGR) of about 14% during 2024-2032.
The elevating incorporation of advanced technologies to improve aspects of lending is gaining popularity. These technologies can analyze vast amounts of data to make more accurate lending decisions and personalize loan offers based on individual profiles. They are also integrating blockchain technology, which is positively influencing the digital lending platform market outlook. Social media activity, transaction history, and other alternative data can provide a more comprehensive view of the creditworthiness of a borrower. These advancements also involve automating repetitive and rule-based tasks in the lending process.
Black Knight Inc.
Finastra
FIS
Fiserv Inc.
Intellect Design Arena Ltd
Intercontinental Exchange Inc.
Nucleus Software Exports Ltd.
Pegasystems Inc.
Roostify Inc.
Tavant Technologies
Wipro Limited.
(Please note that this is only a partial list of the key players, and the complete list is provided in the report.)
June 2024: Salesforce unveiled its digital lending platform to empower government agencies and public sector organizations in India to enhance citizen experiences.
May 2024: PhonePe introduced its secured digital lending platform within the PhonePe app, which enables approximately 535 million registered users to access loans across six separate categories, including gold loans, mutual fund loans, car loans, etc.
March 2024: Epic River, one of the providers that connect financial institutions with healthcare providers to streamline patient payments, developed its comprehensive digital lending platform specifically tailored for credit unions.