![]() |
市場調査レポート
商品コード
1561630
FintechにおけるAI市場レポート:タイプ、展開モデル、用途、地域別、2024年~2032年AI in Fintech Market Report by Type (Solutions, Services), Deployment Model (Cloud-based, On-premises), Application (Virtual Assistant (Chatbots), Credit Scoring, Quantitative and Asset Management, Fraud Detection, and Others), and Region 2024-2032 |
||||||
カスタマイズ可能
|
FintechにおけるAI市場レポート:タイプ、展開モデル、用途、地域別、2024年~2032年 |
出版日: 2024年09月10日
発行: IMARC
ページ情報: 英文 145 Pages
納期: 2~3営業日
|
世界のFintechにおけるAI市場の市場規模は2023年に146億米ドルに達しました。今後、IMARC Groupは、2024年から2032年にかけて20.9%の成長率(CAGR)を示し、2032年までに877億米ドルに達すると予測しています。急速な技術進歩、規制遵守に対する需要の高まり、パーソナライズされたサービスに対する需要の高まり、金融リスクを軽減するためのFintechにおけるAIの広範な採用、サイバー詐欺の発生率の増加、金融プロセスを自動化するためのFintechにおけるAIの活用の高まりは、FintechにおけるAI市場の成長を促進する主な要因の一部です。
急速な技術進歩
FintechにおけるAIの統合は、現在進行中の技術進歩の影響を大きく受けています。これに伴い、機械学習(ML)アルゴリズムの統合により、ビッグデータ分析が洗練され、金融分野での潜在的な用途が拡大し、市場成長を後押ししています。さらに、こうした技術革新により、膨大な量のデータを高速で正確に処理・解釈することが可能になり、リアルタイムの洞察と自動化機能が提供されます。さらに、複雑な金融モデリングに必要な計算能力をさらに高める量子コンピューティングやクラウド技術の市場開拓が、市場の成長を後押ししています。このほか、フィンテック企業はこうした先端技術を活用して、パーソナライズされたバンキング体験や自動取引を実現し、かつてない精度でリスクを管理しています。さらに、技術の進歩は効率化を促進するだけでなく、まったく新しい商品やサービスへの扉を開くことにもなっています。
規制遵守への要求の高まり
金融業界は、法域によって異なる複雑な規制の下で運営されています。これらの規制を遵守することは必須であるだけでなく、消費者の信頼と金融システム全体の整合性を維持するためにも不可欠です。これに伴い、FintechにおけるAIは、規制遵守を確保し、何百万もの取引を自動的に監視・分析し、異常や関連法への不遵守を検知する上で重要な役割を果たしています。これとともに、自然言語処理(NLP)を統合して刻々と変化する規制の文章を解釈し、金融機関が常に最新の要件に対応できるようにすることが、市場の成長にプラスの影響を与えています。さらに、コンプライアンス・プロセスの自動化により、人為的ミスの可能性が低減し、規制変更に対するより迅速で適応性の高いアプローチが可能になります。
パーソナライズされたサービスへの需要の高まり
金融を含むあらゆるサービス分野で、パーソナライズされた体験に対する消費者の期待が高まっていることが、市場の成長を後押ししています。AIは、膨大な顧客データを分析し、個人の嗜好、消費習慣、金融ニーズを特定することで、この需要に応える上で重要な役割を果たしています。さらに、この情報は、金融商品、オファー、アドバイスを各顧客に合わせて調整するために使用されます。加えて、AIによって金融機関は、以前は実現不可能だったレベルのカスタマイズを通じて、個別化された投資戦略や個別化されたローン提案を提供できるようになります。これとは別に、AIの広範な活用は、顧客ロイヤルティの強化、エンゲージメントの向上、総合的な満足度の向上に役立っています。その結果、オーダーメイドの金融ソリューションの構築におけるAIの採用は、単なる動向ではなく、金融サービスの提供方法における根本的な転換となっています。
The global AI in fintech market size reached US$ 14.6 Billion in 2023. Looking forward, IMARC Group expects the market to reach US$ 87.7 Billion by 2032, exhibiting a growth rate (CAGR) of 20.9% during 2024-2032. The rapid technological advancements, rising demand for regulatory compliances, growing demand for personalized services, widespread adoption of AI in fintech to mitigate financial risks, increasing incidence of cyber fraud, and rising utilization of AI in fintech to automate financial processes are some of the major factors propelling the AI in fintech market growth.
The rapid technological advancements
The integration of AI in fintech is heavily influenced by ongoing technological advancements. In line with this, the integration of machine learning (ML) algorithms to refine big data analytics and expand its potential applications within the financial sector is boosting the market growth. Furthermore, these innovations enable the accurate processing and interpretation of vast amounts of data at high speeds, providing real-time insights and automation capabilities. Moreover, the development of quantum computing and cloud technologies, which further enhance the computational power necessary for complex financial modeling, is fueling the market growth. Besides this, fintech companies are leveraging these advanced technologies to create personalized banking experiences, automated trading, and manage risks with unprecedented precision. In addition, technological advancements are not only driving efficiency but also opening doors to entirely new products and services.
The rising demand for regulatory compliance
The financial industry operates under a complex set of regulations that vary across jurisdictions. Compliance with these regulations is not just mandatory but also critical to maintaining consumer trust and the overall integrity of the financial system. In line with this, AI in fintech plays a vital role in ensuring regulatory compliance and automatically monitoring and analyzing millions of transactions to detect anomalies or non-compliance with relevant laws. Along with this, the integration of natural language processing (NLP) to interpret the ever-changing regulatory texts, ensuring that financial institutions are always up-to-date with the latest requirements, is positively influencing the market growth. Additionally, the automation of compliance processes reduces the potential for human error and enables a more responsive and adaptable approach to regulatory changes.
The growing demand for personalized services
The increasing consumer expectation for personalized experiences across all service sectors, including finance, is propelling the market growth. AI plays a crucial role in meeting this demand by analyzing vast amounts of customer data and identifying individual preferences, spending habits, and financial needs. Furthermore, this information is used to tailor financial products, offers, and advice to each customer. In addition, AI enables financial institutions to provide a personalized investment strategy or individualized loan offers through levels of customization that were previously unattainable. Apart from this, the widespread utilization of AI is aiding in enhancing customer loyalty, increasing engagement, and improving overall satisfaction. As a result, the adoption of AI in creating tailored financial solutions is not merely a trend but a fundamental shift in the way financial services are delivered.
IMARC Group provides an analysis of the key trends in each segment of the global AI in fintech market report, along with AI in fintech market forecast at the global, regional and country levels from 2024-2032. Our report has categorized the market based on type, deployment model and application.
Solutions dominate the market
The report has provided a detailed breakup and analysis of the market based on the type. This includes solutions and services. According to the report, solutions represented the largest segment.
AI solutions are dominating the market as they are designed to meet specific challenges within the financial industry, such as fraud detection, risk management, and customer service. Furthermore, they provide personalized service offerings, resulting in improved customer engagement and satisfaction. They also assist in understanding customer behavior and predicting their needs, thus facilitating tailored products and services. Apart from this, AI solutions are designed to integrate seamlessly with existing financial systems, which allows organizations to adopt AI without major overhauls, reducing resistance and encouraging adoption. Additionally, they can be scaled according to the business needs and market dynamics, which allows companies to grow and adapt without significant additional investment in technology. Moreover, AI solutions lead to cost savings by automating routine tasks and optimizing operational workflows.
Cloud-based dominates the market
The report has provided a detailed breakup and analysis of the market based on the deployment model. This includes cloud-based and on-premises. According to the report, cloud-based represented the largest segment.
Cloud-based models offer a cost-effective solution as they reduce the need for physical infrastructure, facilitating the shift towards an operational expenditure model. Furthermore, they allow financial institutions to easily scale their AI applications according to demand. Additionally, cloud-based AI solutions provide access from anywhere with an internet connection, which enables a more flexible working environment for employees and allows for real-time global collaboration. Apart from this, they allow rapid implementation and iteration, enabling financial institutions to stay ahead in a fast-moving industry. Moreover, cloud providers have robust security measures and can assist with compliance requirements. In addition, cloud-based AI solutions offer smoother integration with existing systems and other cloud services, which enables financial organizations to create a cohesive technology ecosystem without significant customization or compatibility challenges.
The report has provided a detailed breakup and analysis of the market based on the application. This includes virtual assistant (chatbots), credit scoring, quantitative and asset management, fraud detection, and others.
Virtual assistants powered by AI can meet various customer expectations by providing constant customer service, handling inquiries, and resolving issues in real time. In addition, they can significantly reduce the labor costs associated with customer support by handling a high volume of queries simultaneously, thus freeing human resources to focus on more complex tasks. Furthermore, virtual assistants can provide personalized responses based on user profiles and past interactions. This level of personalization fosters a more engaging and satisfying customer experience.
AI plays a crucial role in the credit scoring process as it can analyze vast amounts of data, including historical credit information, transaction history, and social media behavior, allowing for a more comprehensive and accurate assessment of an individual's or business's creditworthiness. Furthermore, AI-driven credit scoring provides results in a matter of seconds, thus enabling faster loan approvals and enhancing customer satisfaction. Besides this, it can be tailored to suit the specific requirements and risk appetites of individual financial institutions.
North America exhibits a clear dominance in the market, accounting for the largest AI in fintech market share
The report has also provided a comprehensive analysis of all the major regional markets, which includes 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, and others); Latin America (Brazil, Mexico, and others); and the Middle East and Africa. According to the report, North America represented the largest market segment.
North America hosts numerous technological innovation centers that foster a culture of innovation and entrepreneurship, leading to the development of cutting-edge AI technologies. In addition, the region has witnessed significant investment in research and development (R&D) initiatives from both private and public sectors to drive technological advancements and the commercialization of AI within fintech. Apart from this, North America's well-established financial industry, which provides a fertile ground for integrating AI, is positively influencing the market growth. Besides this, the imposition of supportive policies and regulations by regional governments, encouraging the responsible use of AI, is boosting the market growth. Moreover, the easy availability of skilled professionals with expertise in AI, ML, and data science is further bolstering the market growth.
Top firms are exploring new algorithms, methodologies, and technologies that can drive efficiency, security, and personalization in financial services. They are engaging in strategic partnerships with fintech startups and tech companies to develop cutting-edge solutions and foster innovation. Furthermore, several key players are implementing predictive analytics and machine learning (ML) models to provide insights into customer behavior, market trends, and risk management. In addition, top market companies are creating personalized services and products tailored to individual needs and preferences, including personalized banking, investment advice, and customized marketing strategies. Apart from this, leading firms are actively working to develop transparent and unbiased AI models, emphasizing ethical AI practices. Moreover, they are leveraging AI to provide financial services to underserved populations, using algorithms to assess creditworthiness differently or provide financial literacy through AI-driven tools.