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市場調査レポート
商品コード
1518659
パーソナルファイナンスソフトウェア市場レポート:製品タイプ、エンドユーザー、地域別、2024~2032年Personal Finance Software Market Report by Product Type (Web-based Software, Mobile-based Software), End User (Small Business, Individual Consumers), and Region 2024-2032 |
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パーソナルファイナンスソフトウェア市場レポート:製品タイプ、エンドユーザー、地域別、2024~2032年 |
出版日: 2024年07月01日
発行: IMARC
ページ情報: 英文 135 Pages
納期: 2~3営業日
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世界のパーソナルファイナンスソフトウェア市場規模は2023年に13億米ドルに達しました。今後、IMARC Groupは、市場は2032年までに19億米ドルに達し、2024~2032年の成長率(CAGR)は4.79%になると予測しています。所得を追跡・管理するニーズの高まり、モノのインターネット(IoT)の統合、デジタルサービスやモバイルアプリの幅広い利用可能性などが、市場を牽引する主要要因となっています。
安全でセキュアで効率的な金融追跡ソリューションへの需要の高まりが市場成長を後押し
個人や中小企業の間で、安全でセキュアで効率的な財務追跡ソリューションに対する需要が高まっていることは、世界の市場成長を後押しする主要要因の1つです。個人も中小企業も大企業と同様の財務課題に直面しているが、リソースは少ないです。彼らは、収益性を確保し、規制を遵守し、個人の経済的幸福を確保するために、財務を効果的に処理することに注力しています。その結果、財務取引、経費、予算を管理するための安全な環境を提供する様々な財務追跡ソリューションを活用しています。現在では、複数の口座、取引、決済方法を扱うことが多く、手作業による追跡や照合作業は煩雑で、ミスが発生しやすいです。ファイナンストラッキングソリューションを導入することで、これらの作業を効率化し、財務状況を正確に把握し、財務活動をよりよく管理することができます。また、デジタル決済やオンライン・バンキング・プラットフォームの増加により、財務データの複雑さと量が増加しており、これがパーソナルファイナンスソフトウェア市場の成長に寄与しています。
パーソナルファイナンスソフトウェアとは?
パーソナルファイナンスソフトウェアとは、個人の財務管理を効率的に行うために設計された専用のコンピュータプログラムまたはアプリケーションです。収入、支出、投資、予算、財務目標などを構造的かつ組織的に追跡できる包括的なツールや機能を記載しています。銀行口座、クレジットカード、その他の金融口座とリンクさせることで、取引を自動的にインポート、分類し、手入力の必要性をなくすことができます。また、収入と支出概要を提供することで、ユーザーは支出パターンを分析し、節約すべきセグメントを特定し、情報に基づいた財務上の意思決定を行うことができます。個人的な財務目標に向けた進捗状況の追跡、請求書の決済間近の警告、遅延料金や違約金を回避するためのタイムリーなリマインダーの提供にも役立ちます。純資産、投資実績、キャッシュフローに関する洞察を提供することで、財務計画や意思決定を支援します。また、投資ポートフォリオの監視、株価の追跡、投資パフォーマンスの分析、市場の動きや目標価格に対するアラートの設定も支援します。
現在、世界中の消費者の所得を追跡・管理するためのパーソナルファイナンスソフトウェアの需要が高まっています。このことは、個人の間でパーソナルファイナンスソフトウェアの利点に対する認識が高まっていることと共に、市場の成長を支える重要な要因の一つとなっています。加えて、インターネットユーザーの増加と相まって、金融サービスのデジタル化に注力する企業が増加していることも、市場の展望を良好なものにしています。このほか、予算重視のライフスタイルへの傾向の高まりによるパーソナルファイナンスソフトウェアへの需要の高まりが、市場の成長を後押ししています。さらに、パーソナルファイナンスソフトウェアにモノのインターネット(IoT)を統合し、顧客のデータを収集・分析することで、顧客のニーズに対する貴重な洞察を得て、より迅速な意思決定を行うことが、市場の成長を強化しています。これに伴い、IoT決済プラットフォームは、非接触型カード、スマートフォン、スマートウォッチに限らず、様々なデバイスを通じて請求書を支払うことを可能にします。また、顧客体験を向上させ、決済プロセスをよりスムーズにすることができるため、市場の成長を後押ししています。これとは別に、税金や手数料の徴収は、人的資本やインフラへの投資、市民や企業へのサービス提供のための公的収入を生み出す基本的な方法であるため、納税義務者の数が増加していることも、市場にプラスの影響を与えています。さらに、通信インフラの急速な発展とともに、個人の財務を管理するデジタルサービスやモバイルアプリが広く利用できるようになったことも、業界の投資家に有利な成長機会を提供しています。さらに、リアルタイムの顧客支援、ユーザーフレンドリーなインターフェース、即時取引などの理由から、モバイルバンキングの利用が増加しており、市場の成長を後押ししています。
The global personal finance software market size reached US$ 1.3 Billion in 2023. Looking forward, IMARC Group expects the market to reach US$ 1.9 Billion by 2032, exhibiting a growth rate (CAGR) of 4.79% during 2024-2032. The growing need to track and manage income, integration of the internet of things (IoT), and wide availability of digital services and mobile apps represent some of the key factors driving the market.
Rising Demand for Safe, Secure, and Efficient Finance Tracking Solutions Impelling Market Growth
The increasing demand for safe, secure, and efficient finance tracking solutions among individuals and small businesses represents one of the major factors propelling the market growth around the world. Both individuals and small businesses face similar financial challenges as larger enterprises but with fewer resources. They are focusing on handling their finances effectively to ensure profitability, compliance with regulations, and personal financial well-being. As a result, they are utilizing various finance tracking solutions that provide a secure environment for managing their financial transactions, expenses, and budgets. Nowadays, they often deal with multiple accounts, transactions, and payment methods, making manual tracking and reconciliation processes cumbersome and error-prone. By adopting finance tracking solutions, they can streamline these tasks, accurately track their finances, and gain better control over their financial activities. In addition, rising number of digital payments and online banking platforms is increasing the complexity and volume of financial data, which is contributing to the personal finance software market growth.
What is Personal Finance Software?
Personal finance software is a specialized computer program or application designed to help individuals manage their personal finances effectively. It provides a comprehensive set of tools and features that enable users to track income, expenses, investments, budgets, and financial goals in a structured and organized manner. It allows users to link their bank accounts, credit cards, and other financial accounts to import and categorize transactions automatically and eliminate the need for manual data entry. It also enables users to analyze their spending patterns, identify areas of saving, and make informed financial decisions by providing an overview of income and expenditures. It helps track progress toward personal financial goals, alerts users about impending bill payments, and provides timely reminders to avoid late fees or penalties. It aids in financial planning and decision-making by delivering insights into net worth, investment performance, and cash flow. It also assists in monitoring investment portfolios, tracking stock prices, analyzing investment performances, and setting up alerts for market movements or target prices.
At present, there is a rise in the demand for personal finance software to track and manage the income of consumers around the world. This, along with the increasing awareness about the benefits of personal finance software among individuals, represents one of the key factors supporting the growth of the market. In addition, the increasing focus of organizations on digitalizing their financial services, coupled with the growing number of internet users, is offering a favorable market outlook. Besides this, the escalating demand for personal finance software due to the rising inclination towards a budget-oriented lifestyle is propelling the growth of the market. Moreover, the integration of the internet of things (IoT) in personal finance software to collect and analyze data of clients for gaining valuable insights into their needs and ensuring faster decision-making is strengthening the growth of the market. In line with this, IoT payment platforms allow people to pay their invoices through a variety of devices not limited to contactless cards, smartphones, and smartwatches. They also help elevate customer experiences and make the payment process smoother, which is impelling the growth of the market. Apart from this, the growing number of tax payable citizens, as collecting taxes and fees is a fundamental way to generate public revenues for making investments in human capital, infrastructure, and the provision of services for citizens and businesses, is positively influencing the market. Additionally, the wide availability of digital services and mobile apps that manage the personal finance of individuals, along with the rapid development of telecommunication infrastructures, is offering lucrative growth opportunities to industry investors. Furthermore, the rising employment of mobile banking on account of real-time customer assistance, user-friendly interfaces, and immediate transactions is bolstering the growth of the market.
IMARC Group provides an analysis of the key trends in each sub-segment of the global personal finance software market report, along with forecasts at the global, regional and country level from 2024-2032. Our report has categorized the market based on product type and end user.
Web-based Software
Mobile-based Software
The report has provided a detailed breakup and analysis of the personal finance software market based on the product type. This includes web-based software and mobile-based software. According to the report, web-based software represented the largest segment due to the high security provided by web-based personal finance software, as it is integrated with anti-virus and anti-malware solutions. In addition, web-based programs enable users to input their financial information, such as bank account and credit card information, loans, and debts, and track real-time transactions.
Mobile-based software offers mobile applications with built-in personal financial software that guarantee effective operations. It helps save money and cut back on wasteful spending. It offers various advantages over web-based software, such as instant online and offline access, pushes notifications and instant updates, productivity enhancement, cost savings, and others, which, in turn, is strengthening the market growth in this segment.
Small Business
Individual Consumers
A detailed breakup and analysis of the personal finance software market based on the end-user has also been provided in the report. This includes small businesses and individual consumers. According to the report, small businesses accounted for the largest market share as various small and home businesses use personal finance software to combine and separate financial data from companies to produce the needed analytical output for better financial planning. It assists in identifying spending patterns, assisting with debt repayment, and keeping track of financial objectives to enable business users to make wiser financial decisions. It provides efficient planning and control of the influx and outflow of money and aids users of small-size businesses in effortlessly managing their business operations and funding. Additionally, it produces reports and bills depending on data.
The individual consumers market uses personal finance software to keep track of the income, expenses, credit cards, investments, and bank accounts of a person on a smartphone or computer. It can effectively handle financial transactions by assisting a person in tracking their monthly expenses. According to the personal finance software market analysis, there has been a rise in internet penetration and daily internet usage, which is catalyzing the demand for personal finance software to track and manage financial activities. Additionally, this program manages all financial facts simply, as it can keep track of investments and small transactions. Further, it can be connected to internet banking for providing real-time transaction updates, assisting the individual customer in managing their finances and boosting its uptake within this market.
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
The 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 (the United Kingdom, Germany, France, Italy, Spain, Russia, and others); Latin America (Brazil, Mexico, and others); and the Middle East and Africa. According to the report, North America (the United States and Canada) was the largest market for personal finance software. The growing number of key market players in the region are offering a favorable market outlook. In line with this, they are focusing on increasing the range of products. Key players are also creating cutting-edge personal finance software solutions to meet the different operating and development needs of end-user sectors. As a result, the market is anticipated to benefit from these lucrative opportunities. The rapid digitalization is helping in creating a uniquely tailored and user-friendly banking experience in the region. Numerous individuals are reaping significant financial gains from technological improvements and innovations in the financial services sector, including digital banking, digital lending, and other areas. Various information technology improvements and the growing creation of dynamic and user-friendly interfaces for websites and applications are catalyzing the demand for personal finance software in the region.
Alzex Software
BankTree Software Limited
Buxfer Inc.
CountAbout
Microsoft Corporation
Money Dashboard Ltd.
Moneyspire Inc.
Personal Capital Corporation (Empower Retirement)
PocketSmith Ltd.
Quicken Inc.
The Infinite Kind
You Need a Budget
Kindly note that this only represents a partial list of companies, and the complete list has been provided in the report.