|
市場調査レポート
商品コード
1126386
オルタナティブレンディングプラットフォームの世界市場規模、シェア、産業動向分析レポート:コンポーネント別(ソリューションとサービス)、デプロイメント別、エンドユース別(クラウドファンディングとピアツーピアレンディング)、地域別展望と予測、2022年~2028年Global Alternative Lending Platform Market Size, Share & Industry Trends Analysis Report By Component (Solution and Services), By Deployment, By End-use (Crowdfunding and Peer-to-Peer Lending), By Regional Outlook and Forecast, 2022 - 2028 |
||||||
オルタナティブレンディングプラットフォームの世界市場規模、シェア、産業動向分析レポート:コンポーネント別(ソリューションとサービス)、デプロイメント別、エンドユース別(クラウドファンディングとピアツーピアレンディング)、地域別展望と予測、2022年~2028年 |
出版日: 2022年08月31日
発行: KBV Research
ページ情報: 英文 282 Pages
納期: 即納可能
|
オルタナティブレンディングプラットフォームの世界市場規模は、2028年までに82億米ドルに達し、予測期間中にCAGR22.0%の市場成長率で上昇すると予測されています。
多くの中小企業が破産を申請し、多くの事業主がロックダウン解除後に事業を再開するための資金を欠いていました。こうした中小企業の経営者は通常、融資の承認に必要なクレジットヒストリーがなく、債務超過の経歴を持つ経営者は、従来の銀行から資金を調達することが困難でした。銀行口座を持たないサブプライム顧客層にサービスを提供することで、ノンバンクはこのギャップを埋めるべく参入しています。
オルタナティブレンダーはテクノロジーを駆使して、伝統的な銀行がまだ見向きもしなかった市場に参入しています。また、小口融資を多く行うため、収益も上がっています。申込者のデータを収集するために、代替金融機関は機械学習、コンピュータ・アルゴリズム、人工知能を組み合わせて使用しています。これらの詳細には、金銭問題、支出パターン、購入履歴などが頻繁に含まれます。
COVID-19インパクト分析
消費者全体の数は少ないもの、代替融資サイトの利用者はかなり増えています。これは、多くの中小企業が困難な時期に経営を維持するために迅速な融資承認を必要とするためです。また、パンデミック後の経済危機の結果、オルタナティブレンディングプラットフォーム市場産業の商業的立ち上げが大幅に遅れる可能性があります。テクノロジープロバイダーの基幹である中小企業は、2020年のパンデミックデビュー以来、収益が減少しています。サプライチェーンの混乱の結果、市場関係者はいくつかの困難に直面しました。しかし、2022年後半にはより多くの供給がオンライン化されるため、状況は好転することでしょう。
市場の成長要因
モノのインターネットレンディングプラットフォームの普及が進む
モノのインターネット(IoT)とブロックチェーンに基づく技術は、代替金融機関によってより頻繁に採用・実装されています。これらのイノベーションは、代替資金調達プラットフォームにシンプルなアクセス性と透明性といった最先端の機能を導入することで、オルタナティブレンディングプラットフォーム市場の発展を支えています。例えば、デジタル製品およびソリューションのプロバイダーであるTavant Technologiesが作成したブロックチェーンベースのデジタルソリューションは、データ駆動型のプロセスを完全に活用し、代替的な資金調達ライフサイクルを生成しています。
市場リスクと運用コストの削減
オルタナティブ・ローンサービスは、従来の銀行業務とは対照的に、利用方法がシンプルです。オルタナティブ・ファンディングというウェブベースのビジネスは、ソーシャル・インパクト・ボンドとビットコインを利用して資金を調達します。そのため、消費者は代替金融のデータを信頼することができ、代替金融商品の拡大を後押ししています。また、オルタナティブ・ファイナンスは、金融サービスのインフラ、スタッフブレイメンバーシップ、維持管理などのコストを下げ、運営コストの低減に寄与しています。
市場抑制要因
オルタナティブ・レンディングの小額・短期間での融資
代替融資は、必ずしもそうではないが、一般的に金利が高く、融資期間も短く、融資額も小さいです。それはローンの種類によって異なりますが、多くの代替金融機関は、銀行ローンのために承認されていないであろうビジネスの所有者と連携しています。このため、対象となる融資は一般的に少額で、返済期間も短くなります。その結果、事業主はその追加資金を使う時間とお金が少なくなってしまいます。
コンポーネントの見通し
オルタナティブレンディングプラットフォーム市場は、コンポーネントに基づき、ソリューションとサービスに分類されます。ソリューションセグメントは、2021年のオルタナティブレンディングプラットフォーム市場において最大の収益シェアを調達しました。これは、中小企業(SMB)が銀行融資を受けることに関連する課題を考えると、現金の緊急事態を解決するために代替融資に頼っているためです。
デプロイメント(展開)の見通し
オルタナティブレンディングプラットフォーム市場は、デプロイメント別にオンプレミスとクラウドに分類されます。2021年のオルタナティブレンディングプラットフォーム市場では、クラウド分野が大きな収益シェアを記録しました。クラウド技術は、顧客とのやり取りを徹底的に見渡し、顧客サービスを向上させるだけでなく、全体的な経費を削減し、運用効率を高めることができます。さらに、クラウドベースの展開を取り入れることで、リモートアクセスが可能になり、組織の柔軟性が高まります。
エンドユーザー向け展望
オルタナティブレンディングプラットフォーム市場は、エンドユーザーごとにクラウドファンディングとピアツーピアレンディングに分類されます。クラウドファンディングセグメントは、2021年にオルタナティブレンディングプラットフォーム市場で最大の収益シェアを獲得しました。これは、クラウドファンディングサイトの安価なプロモーションツールとして機能するソーシャルメディアプラットフォームの利用が増加していることに起因しています。ソーシャルメディアの利用者は、クラウドファンディングのプロジェクトが世界中から投資家を集めるために必要な後押しをします。
地域別の展望
オルタナティブレンディングプラットフォーム市場は、北米、欧州、アジア太平洋、LAMEAの地域別に分析されています。2021年のオルタナティブレンディングプラットフォーム市場では、北米地域が最大の収益シェアを獲得しています。それは、多数の重要なプレーヤーがこの地域に存在し、それが覇権に寄与しているからです。さらに、技術の発展と取り込みが地域市場の拡大を促進しています。
市場参加者が従う主な戦略は、パートナーシップです。カーディナルマトリックスで提示された分析に基づき、アメリカンエクスプレスカベッジ株式会社は、代替レンディングプラットフォーム市場の先駆者です。Funding Circle Limited、Upstart Network, Inc.、On Deck Capital, Inc.などの企業は、オルタナティブレンディングプラットフォーム市場における主要な革新者の一人です。
List of Figures
The Global Alternative Lending Platform Market size is expected to reach $8.2 billion by 2028, rising at a market growth of 22.0% CAGR during the forecast period.
The broad range of credit choices offered to consumers and business owners in addition to typical bank loans is referred to as alternative lending. In other terms, it refers to the procedure of accepting loans from financial entities that are not banks or other non-banking organizations. Since traditional banks have refused to finance blue-collar workers, freelancers, or gig workers due to their insufficient credit histories, alternative lending has grown significantly over the past few years.
In poor countries, a large segment of the population still uses antiquated procedures to get loans. Pawn shops, where consumers deposit valuables, are regularly used to acquire loans. In a variety of circumstances, people borrow money from friends and family members. Small and medium-sized enterprises were severely hit worldwide by the pandemic, which gave alternative finance, often known as alt lending, a boost. The shutdown forced numerous businesses to shut down.
Many smaller businesses filed for bankruptcy, and many business owners lacked the funding to reopen their operations after the lockdown was removed. These small business owners usually lacked the credit history needed to be approved for a loan, and those with a history of insolvency would find it difficult to get any money from a traditional bank. By offering services to the unbanked subprime customer group, non-banking firms are stepping in to close the gap.
Alternative lenders employ technology to enter markets that traditional banks had not yet looked at. They are also making more money since they are making many smaller loans. To mine the applicant's data, alternative lenders employ a combination of machine learning, computer algorithms, and artificial intelligence. These details frequently involve money matters, spending patterns, purchasing histories, and other things.
COVID-19 Impact Analysis
Despite having fewer consumers overall, alternative lending sites have seen a considerable rise in users. This is because many SMEs require prompt loan approvals to maintain their operations during trying times. The commercial launch of the Alternative Lending Platform Market industry may also be significantly delayed as a result of the economic crisis that followed the pandemic. The backbone of technology providers, small and medium-sized businesses, has seen a decline in revenue since the pandemic's debut in 2020. As a result of the supply chain disruptions, market players faced several difficulties. However, as more supplies come online in the second half of 2022, things will get better.
Market Growth Factors
Internet Of Things Lending Platforms Are Becoming More Popular
The Internet of Things (IoT) and blockchain-based technologies are being adopted and implemented by alternative financial organizations more frequently. These innovations support the development of the alternative lending platform market by introducing cutting-edge features like simple accessibility and transparency to alternative funding platforms. For instance, a blockchain-based digital solution created by digital products and solutions provider Tavant Technologies fully utilizes data-driven processes to produce alternative funding lifecycles.
Market Risk And Operating Cost Reduction
Alternative loan services, in contrast to conventional banking methods, are simple to use. A web-based business called Alternative Funding uses social impact bonds and bitcoin to raise money. Consumers can therefore trust alternative financial data, which fuels the expansion of alternative financial products. Alternative finance also lowers the cost of infrastructure, staffing Bray membership, and upkeep of financial services, which all contribute to lower operational costs.
Market Restraining Factors
Smaller Amounts And Shorter Terms Of Alternative Lending
Alternative business financing typically, but not always, has higher rates as well as shorter durations and smaller loan amounts. Although it depends on the type of loan are eligible for, many alternative lenders work with business owners who wouldn't have been approved for a bank loan. This implies that the financing they are eligible for is typically smaller and has a shorter repayment term. Consequently, business owners have less time and less money to spend that additional cash.
Component Outlook
Based on the Component, the Alternative Lending Platform Market is divided into Solution and services. The solution segment procured the largest revenue share in the alternative lending platform market in 2021. It is because small and medium-sized businesses (SMBs) are resorting to alternative lending alternatives to resolve their cash emergencies given the challenges associated with obtaining a bank loan for SMBs.
Deployment Outlook
By Deployment, the Alternative Lending Platform Market is bifurcated into On-Premise and Cloud. The cloud segment recorded a significant revenue share in the alternative lending platform market in 2021. Cloud technology not only offers a thorough perspective of client interactions to improve customer service but also lowers overall expenses and boosts operational effectiveness. Additionally, embracing cloud-based deployment allows for remote access, which boosts organizational flexibility.
End-Use Outlook
On the basis of End-use, the Alternative Lending Platform Market is classified into Crowdfunding and Peer-to-Peer Lending. The crowdfunding segment acquired the largest revenue share in the alternative lending platform market in 2021. It is due to the increasing use of social media platforms, which serve as inexpensive promotional tools for crowdfunding sites. Social media's audience gives crowdfunding projects the boost they need to attract a pool of investors from all around the world.
Regional Outlook
Region-wise, the Alternative Lending Platform Market is analyzed across North America, Europe, Asia Pacific, and LAMEA. The North America region garnered the largest revenue share in the alternative lending platform market in 2021. It is because numerous important players are present in the area, which contributes to the supremacy. Additionally, technology developments and uptake are fostering regional market expansion.
The major strategies followed by the market participants are Partnerships. Based on the Analysis presented in the Cardinal matrix; American Express Kabbage Inc. is the forerunner in the Alternative Lending Platform Market. Companies such as Funding Circle Limited, Upstart Network, Inc. and On Deck Capital, Inc. are some of the key innovators in Alternative Lending Platform Market.
The market research report covers the analysis of key stake holders of the market. Key companies profiled in the report include Funding Circle Limited, On Deck Capital, Inc., Upstart Network, Inc., American Express Kabbage Inc. (American Express Company), LendingClub Bank (LendingClub Corporation), Zopa Bank Limited, CommonBond, Inc., Prosper Funding LLC, Avant, LLC, and Social Finance.
Recent Strategies deployed in Alternative Lending Platform Market
Partnerships, Collaborations and Agreements:
Jun-2022: Funding Circle came into a partnership with Magnetar Capital UK, a hedge fund. Through this partnership, Magnetar UK would support thousands of SMEs utilizing Funding Circle's distribution and technology medium, which the companies express would deliver Magnetar an efficient and cost-effective mechanism to allocate Capital to the entire economy.
May-2022: Funding Circle formed a partnership with Waterfall Asset Management, an SEC-registered specialist credit adviser. Under this partnership, Waterfall would loan through the Funding Circle platform over two years along with a broad scope of investors, such as individuals, banks, asset management firms, government-backed entities, insurance enterprises, and funds. Additionally, Waterfall would deliver a broad range of investors utilizing Funding Circle's machine learning and technology abilities to loan to SMEs at both scale and speed.
May-2022: OnDeck formed a partnership with SoFi Technologies along with LendingTree. Together, the companies aimed to deliver best-in-class digital lending outcomes and FinTech portfolio with OnDeck's Machine Learning and Artificial Intelligence expertise, providing small companies more opportunities for receiving an effortless pass to working funds that sustain their growth.
Mar-2022: Upstart came into a partnership with Sandbox Banking, a BaaS infrastructure company. This partnership would allow Upstart to support its bank and credit union members to more effectively combine Upstart loan and borrower data into their center CRM systems. Additionally, The integration of Upstart's AI-powered lending platform within Sandbox Banking's capacity to simplify the procedure for banks to fulfill their customer lending requirements allows Upstart lending associates to incorporate loan and consumer data seamlessly into main banking systems.
Mar-2022: Funding Circle partnered with Pitney Bowes, an American technology corporation. With this partnership, the companies would offer consumers of the global mailing and shipping firm permit to financing arranged via the Funding Circle platform. Additionally, Pitney Bowes would provide small firm term loans to its consumers via the Funding Circle platform.
Aug-2020: Funding Circle & Santander came into a partnership with Santander, a banking services company. Through this partnership, the companies aimed to support thousands of UK companies. Additionally, The referral arrangement would witness Santander proactively guide small business clients looking for a loan to Funding Circle.
Aug-2020: Funding Circle formed a partnership with Sage, one of the world's foremost providers of software solutions for small companies. This partnership implicates Sage in guiding their small business consumers to Funding Circle in cases where their consumers require enterprise finance. Additionally, Sage delivers a range of invaluable industry devices such as software for accounts, HR, payroll, and payments, and has over 6 million consumers across the world.
Product Launches and Product Expansions:
May-2022: LendingClub introduced a new enhancement to its automated loan auction platform, LCX. With this expansion, Institutional investors can now trade LendingClub loans instantly to each other on the platform, improving access to this market-leading support through an effective digital marketplace.
May-2022: Upstart expanded its technology to more car dealerships. This expansion focused on benefiting drivers with appropriate and inadequate credit by completing a more equal playing domain for loan clearance at the dealership level.
Jan-2022: Prosper Marketplace unveiled Prosper Card to support people get a grip on their finances no matter where they fall on the credit ranking. The prosper card provides reasonable rates, no annual charges for the first year with autopay, no-fee ATM cash advancements, no security assurance, and other bonuses.
Dec-2021: Funding Circle launched Application Programming Interface. The new platform would allow partners to natively implant Funding Circle into their website, delivering consumers with quick and seamless access to business loans. Additionally, utilizing Funding Circle's decade of investment in its machine learning and Instant Decision technology, associates can now deliver consumers a frictionless method to apply for a loan of up to £500,000 in minutes, obtain a judgment in seconds, and have money in their account within 24 hours.
Dec-2021: Kabbage introduced Kabbage Funding, a small enterprise line of credit to support fund small companies. The new portfolio develops Kabbage's digital cash flow platform for small enterprises. Moreover, qualified applicants can obtain funding of around $1,000 and $150,000.
Jun-2020: Upstart introduced its support for auto loans as part of its consumer lending platform. The new service allows banks to deliver refinance and purchase finance loans with streamlined higher clearance, digital experience, and potentially lower failure rates, all facilitated by AI.
Acquisitions and Mergers:
May-2022: Avant completed the acquisition of PlanetOne, a Scottsdale, Arizona-based supplier of tech sourcing solutions. With this acquisition, PlanetOne is an immediate multiplier for the individuals, partners, and vendors working with and for PlanetOne and AVANT.
Apr-2021: Avant took over Zero Financial, a financial technology business. This acquisition is a crucial element of Avant's strategy to deliver unserved and underbanked customers with a complete ecosystem of transparent financial services and products with prominent features and rewards, in one mobile app.
Business Expansions:
Feb-2022: CommonBond expanded its business by establishing new Solar financing. The new business offers to deliver reasonable financing possibilities for the building of solar panels, the organization is promoting more homeowners to save funds on their monthly electricity bill and decrease carbon impression.
Market Segments covered in the Report:
By Component
By Deployment
By End-use
By Geography
Companies Profiled
Unique Offerings from KBV Research
7.1.4.1.1.1 US Alternative Lending Platform Market by Solution Type
7.1.4.1.1.2 US Alternative Lending Platform Market by Services Type
7.1.4.2.1.1 Canada Alternative Lending Platform Market by Solution Type
7.1.4.2.1.2 Canada Alternative Lending Platform Market by Services Type
7.1.4.3.1.1 Mexico Alternative Lending Platform Market by Solution Type
7.1.4.3.1.2 Mexico Alternative Lending Platform Market by Services Type
7.1.4.4.1.1 Rest of North America Alternative Lending Platform Market by Solution Type
7.1.4.4.1.2 Rest of North America Alternative Lending Platform Market by Services Type
7.2.4.1.1.1 Germany Alternative Lending Platform Market by Solution Type
7.2.4.1.1.2 Germany Alternative Lending Platform Market by Services Type
7.2.4.2.1.1 UK Alternative Lending Platform Market by Solution Type
7.2.4.2.1.2 UK Alternative Lending Platform Market by Services Type
7.2.4.3.1.1 France Alternative Lending Platform Market by Solution Type
7.2.4.3.1.2 France Alternative Lending Platform Market by Services Type
7.2.4.4.1.1 Russia Alternative Lending Platform Market by Solution Type
7.2.4.4.1.2 Russia Alternative Lending Platform Market by Services Type
7.2.4.5.1.1 Spain Alternative Lending Platform Market by Solution Type
7.2.4.5.1.2 Spain Alternative Lending Platform Market by Services Type
7.2.4.6.1.1 Italy Alternative Lending Platform Market by Solution Type
7.2.4.6.1.2 Italy Alternative Lending Platform Market by Services Type
7.2.4.7.1.1 Rest of Europe Alternative Lending Platform Market by Solution Type
7.2.4.7.1.2 Rest of Europe Alternative Lending Platform Market by Services Type
7.3.4.1.1.1 China Alternative Lending Platform Market by Solution Type
7.3.4.1.1.2 China Alternative Lending Platform Market by Services Type
7.3.4.2.1.1 Japan Alternative Lending Platform Market by Solution Type
7.3.4.2.1.2 Japan Alternative Lending Platform Market by Services Type
7.3.4.3.1.1 India Alternative Lending Platform Market by Solution Type
7.3.4.3.1.2 India Alternative Lending Platform Market by Services Type
7.3.4.4.1.1 South Korea Alternative Lending Platform Market by Solution Type
7.3.4.4.1.2 South Korea Alternative Lending Platform Market by Services Type
7.3.4.5.1.1 Singapore Alternative Lending Platform Market by Solution Type
7.3.4.5.1.2 Singapore Alternative Lending Platform Market by Services Type
7.3.4.6.1.1 Malaysia Alternative Lending Platform Market by Solution Type
7.3.4.6.1.2 Malaysia Alternative Lending Platform Market by Services Type
7.3.4.7.1.1 Rest of Asia Pacific Alternative Lending Platform Market by Solution Type
7.3.4.7.1.2 Rest of Asia Pacific Alternative Lending Platform Market by Services Type
7.4.4.1.1.1 Brazil Alternative Lending Platform Market by Solution Type
7.4.4.1.1.2 Brazil Alternative Lending Platform Market by Services Type
7.4.4.2.1.1 Argentina Alternative Lending Platform Market by Solution Type
7.4.4.2.1.2 Argentina Alternative Lending Platform Market by Services Type
7.4.4.3.1.1 UAE Alternative Lending Platform Market by Solution Type
7.4.4.3.1.2 UAE Alternative Lending Platform Market by Services Type
7.4.4.4.1.1 Saudi Arabia Alternative Lending Platform Market by Solution Type
7.4.4.4.1.2 Saudi Arabia Alternative Lending Platform Market by Services Type
7.4.4.5.1.1 South Africa Alternative Lending Platform Market by Solution Type
7.4.4.5.1.2 South Africa Alternative Lending Platform Market by Services Type
7.4.4.6.1.1 Nigeria Alternative Lending Platform Market by Solution Type
7.4.4.6.1.2 Nigeria Alternative Lending Platform Market by Services Type
7.4.4.7.1.1 Rest of LAMEA Alternative Lending Platform Market by Solution Type
7.4.4.7.1.2 Rest of LAMEA Alternative Lending Platform Market by Services Type