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フィンテック(金融技術)におけるAIの世界市場:成長・動向・予測

AI in Fintech Market - Growth, Trends, Forecasts (2020 - 2025)

発行 Mordor Intelligence LLP 商品コード 649722
出版日 ページ情報 英文 130 Pages
納期: 2-3営業日
価格
本日の銀行送金レート: 1USD=106.61円で換算しております。
フィンテック(金融技術)におけるAIの世界市場:成長・動向・予測 AI in Fintech Market - Growth, Trends, Forecasts (2020 - 2025)
出版日: 2020年06月01日 ページ情報: 英文 130 Pages
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概要

フィンテックにおけるAI市場は、2017年に12億7,000万米ドルの規模に達し、2018年から2023年にかけて33.8%のCAGRで成長し続け、2023年には72億8,000万米ドルに達すると予測されています。当レポートは、ソリューションおよびサービスのタイプ別、クレジットスコアリング、定量的・資産管理、不正検出などアプリケーション別に分類されます。対象地域は、北米、欧州、アジア太平洋、中南米、中東・アフリカなどがあります。また、AIの多様な用途と将来の見通しに基づいて、フィンテックにおけるAIのメリットに焦点を当てています。

当レポートでは、フィンテック(金融技術)におけるAIの世界市場を調査し、全体的な市場動向、製品・地域別の詳細動向、市場成長への影響要因の分析、競合情勢、主要企業のプロファイルなどを包括的にまとめています。

目次

第1章 イントロダクション

  • 研究の主な成果物
  • 調査の前提条件
  • 市場の定義
  • 調査結果

第2章 研究アプローチと方法論

第3章 エグゼクティブサマリー

第4章 市場のダイナミクス

  • 市場概況
  • 業界バリューチェーン
  • 市場の成長促進要因
    • インターネット普及率の上昇
    • 金融業界におけるビッグデータの増加
  • 市場の阻害要因
    • 熟練労働の欠如
  • 業界の魅力 - ポーターの5つの産業力分析
    • サプライヤーの交渉力
    • 消費者の交渉力
    • 新規参入の脅威
    • 代替製品またはサービスの脅威
    • 既存の競合他社との競争
  • 技術のスナップショット

第5章 市場セグメンテーション

  • タイプ別
    • ソリューション
    • サービス
  • アプリケーション別
    • チャットボット
    • クレジットスコアリング
    • 定量的・資産管理
    • 不正検出
    • その他(市場調査/感情分析、保険、予測分析)
  • 地域別
    • 北米
    • 欧州
    • アジア太平洋地域
    • 中南米
    • 中東・アフリカ地域

第6章 競合他社の情報- 企業プロファイル

  • IBM Corporation
  • Intel Corporation
  • ComplyAdvantage Ltd
  • Amazon Web Services, Inc.
  • Samsung Group
  • Ipsoft Inc.
  • Next IT Corp
  • Microsoft Corporation
  • Onfido
  • Ripple
  • ZestFinance

上記リストは一部です

第7章 投資分析

第8章 フィンテックにおけるAIの世界市場の機会

目次
Product Code: 61424

The global AI in Fintech market was estimated at USD 6.67 billion in 2019 and is expected to reach USD 22.60 billion by 2025. The market is also expected to witness a CAGR of 23.37% over the forecast period (2020-2025). Artificial Intelligence improves results by applying methods derived from the aspects of human intelligence but beyond human scale. The computational arms race since the past few years has revolutionized the fintech companies. Further, data and the near-endless amounts of information are transforming AI to unprecedented levels where smart contracts will merely continue the market trend.

  • Increasing demand for process automation among financial organizations​ is driving the market. Process automation is one of the major drivers of artificial intelligence in financial organizations. However, it is further evolving into cognitive process automation, where AI systems can perform even more complex automation processes.​ For instance, in May 2020, Traydstream, a FinTech that scans trade documents with artificial intelligence (AI), partnered with Infosys Finacle to implement blockchain technology and further automate trade finance. The partnership will allow Finacle's blockchain tech, called Finacle TradeConnect, to be integrated with Traydstream's platform, which uses AI to scan documents and cut down the time it takes to check on rules or regulations in trade, where mistakes can be costly and time-consuming to correct.​
  • Further, several market players are introducing ML-based fraud detection solutions owing to the surging market demand. For instance, in May 2020, GBG announced its expansion of AI and machine learning capabilities for its transaction and payment monitoring solution, Predator, making deep learning and predictive analytics available to their entire digital risk management customer journey. ​
  • The increasing availability of data sources​ is driving the market. As the fintech industry continues to innovate and evolve at a rapid pace, fintech firms and startups have broadened their horizons to cater to a diverse range of segments. The financial sector expanded its footprint across areas, such as personal financial management, personal banking, consumer and business loans, investments, financial advisory, and various other data sources.​
  • Fintech companies are investing in deploying AI solutions for efficient processing of data and effective decision making. Further, according to a Fintrail survey in 2019, almost 33% of surveyed FinTechs currently employ AI solutions developed in-house. Many FinTech firms chose built, over buy, option because their needs may not be easily catered for by current vendors, although it is also changing with the rise of the RegTech sector.
  • Further, as brick and mortar retailers continue to face challenges due to the onset of COVID-19 pandemic, many merchants are implementing point-of-sale financing alternatives as a potential new avenue for growth. Apart from utilizing conventional data like bank account statements for underwriting, these players are further utilizing AI models to assess consumer behaviors based on their transaction history, product purchase, and other data points to create a sharper customer risk profile.​
  • Also, banks and financial institutions are adopting AI solutions to harness information and insights locked away in unstructured documents and automate the manual process done traditionally by banks in double-quick time.​For instance, in April 2020, Temenos, the banking software company, announced the launch of eight propositions - using innovative Explainable AI (XAI) and cloud technologies to help banks and financial institutions in their immediate response to the Covid-19 crisis.

Key Market Trends

Quantitative and Asset Management​ to Witness Significant Growth

  • Fintech has been undergoing a continued evolution in the landscape of investment management. Advanced technology and solution adoption, including the use of big data, AI, and machine learning (ML) to help the businesses in evaluating investment opportunities, optimizing their investment portfolios, and mitigating the associated risks have been clinical in the technology adoption.
  • The investment advisory services, for instance, are undergoing radical changes with the growth and evolution of automated wealth advisers. These advisers have the capabilities to assist the investors without the intervention of a human adviser, and can also be used in combination with a human adviser. It extends the ability to provide tailored, actionable advice to its investors with ease of access, at a partially lower cost.​
  • Further, in the area of financial record keeping, blockchain, and distributed ledger technology are augmenting the AI adoption by creating new ways to record, track, and store transactions for financial assets. For instance, Sentifi, a Swiss Fintech company established in 2012, uses AI and ML to enable investors and other financial market stakeholders to tap into the online available financial intelligence of millions of persons and organizations.
  • Furthermore, asset management companies can gain substantial benefits through the adoption of AI and ML. These technologies can help provide real-time actionable insights and facilitate portfolio management decisions. Sub-sets of AI can empower asset managers to streamline processes to optimize investment decisions and processes.
  • In October 2019, MDOTM, and Raiffeisen Capital Management, one of Austria's largest fund managers, announced a new strategic partnership. With this new initiative, the range of Raiffeisen Capital Management's sustainable funds would be used by MDOTM to provide to the market SRI investment solutions that benefit from the efficiency brought by AI technology in portfolio construction.​
  • Moreover, In May 2020, Boosted.ai, the prominent distributed ML platform for global investment professionals, announced the closing of a USD 8 million USD Series A financing round. Boosted.ai would use the funding to continue improving Boosted Insights, its proprietary ML platform that empowers portfolio managers, analysts, and chief investment officers (CIO's) to augment their existing investment processes, source new ideas and manage risks

North America Accounts for the Significant Market Share

  • North America is one of the largest and most advanced markets for AI in the world. The region has also registered the maximum adoption of AI in Fintech solutions due to factors such as the strong economy, robust presence of prominent AI software and system suppliers, combined investment by government and private organizations for the development and growth of research & development activities.
  • According to Baker McKenzie, the ongoing economic expansion in the US has attracted considerable investment in the fintech sector. Payments and Insuretech continue to dominate the landscape of the fintech sector in the country. According to CB Insights, the fintech startups in the country have witnessed about 70+ mega-rounds of funding accounting to more than USD 100 million,
  • In 2019. SoFi, a personal finance platform based out of the San Francisco, has raided the maximum amount (USD 500 Million) in a Series G Round. SiFi is followed by Klarna (USD 460 Million), Robinhood (USD 323 Million), Home & rental insurer Lemonade (USD 300 Million), etc.
  • Some of the investments in the field of AI are such as, in June 2020, Betterview, a US-based insuretech and AI start-up, has secured an additional of USD 7.5 million, adding up to USD 17 million from Maiden Re, a reinsurer based out Bermuda. The AI startup utilizes computer vision and AI, to capture and analyze imagery of data for buildings and properties throughout the US to be used by the property insurance industry in underwriting.
  • Moreover, the region accounts for a significant share of the millennial population, particularly the United States. Millennials have a clear preference for accomplishing tasks through digital applications and services that fintech companies are better at providing than banks, in terms of speed and personalization. According to U.S. Census Bureau population estimates, there are around 72.1 million millennials, as of 2019. However, according to Digital Banking Report 2019, the adoption rates of fintech services in Canada (50%) and the US (46%) are some of the lowest in the world.​
  • Also, according to the World Payments Report published by World Bank, this region has one of the highest penetration, in terms of citizens' bank accounts, and has the highest concentration of ATMs per 100,000 people. The above factors significantly drive the market in the region.

Competitive Landscape

AI in Fintech market is moving towards fragmented owing to the presence of many global players in the market. Further various acquisitions and collaboration of large companies are expected to take place shortly, which focuses on innovation. Some of the major players in the market are IBM Corporation, Intel Corporation, Microsoft Corporation, among others. Recent developments in the market are -

  • April 2020 - Fenergo, the provider of digital transformation, customer journey and client lifecycle management (CLM) solutions for financial institutions, and IBM signed an original equipment manufacturing (OEM) agreement that will allow the companies to collaborate on solutions that can help clients address the multitude of financial risks they face.​
  • April 2020 - Verient System INC, the parent company of Next IT corporation, completed an agreement to provide its new standard solution for enterprise fraud and security investigations to the world's largest banking organizations. The AI platform Of Verient systems will help banks in fraud detection, cybersecurity, and deployment management requirements.​

Reasons to Purchase this report:

  • The market estimate (ME) sheet in Excel format
  • 3 months of analyst support

Table of Contents

1 INTRODUCTION

  • 1.1 Study Deliverables
  • 1.2 Scope of the Study
  • 1.3 Study Assumptions

2 RESEARCH METHODOLOGY

3 EXECUTIVE SUMMARY

4 MARKET DYNAMICS

  • 4.1 Market Overview
  • 4.2 Industry Attractiveness - Porter's Five Force Analysis
    • 4.2.1 Bargaining Power of Suppliers
    • 4.2.2 Bargaining Power of Buyers/Consumers
    • 4.2.3 Threat of New Entrants
    • 4.2.4 Threat of Substitute Products
    • 4.2.5 Intensity of Competitive Rivalry
  • 4.3 Emerging Use-cases for AI in Financial Technology​
  • 4.4 Technology Snapshot
  • 4.5 Introduction to Market Dynamics
  • 4.6 Market Drivers
    • 4.6.1 Increasing Demand for Process Automation Among Financial Organizations
    • 4.6.2 Increasing Availability of Data Sources
  • 4.7 Market Restraints
    • 4.7.1 Need for Skilled Workforce
  • 4.8 Assessment of Impact of Covid-19 on the Industry

5 MARKET SEGMENTATION

  • 5.1 Offering
    • 5.1.1 Solutions
    • 5.1.2 Services
  • 5.2 Deployment
    • 5.2.1 Cloud
    • 5.2.2 On-premise
  • 5.3 Application
    • 5.3.1 Chatbots
    • 5.3.2 Credit Scoring
    • 5.3.3 Quantitative and Asset Management
    • 5.3.4 Fraud Detection
    • 5.3.5 Other Applications
  • 5.4 Geography
    • 5.4.1 North America
    • 5.4.2 Europe
    • 5.4.3 Asia-Pacific
    • 5.4.4 Rest of the World

6 COMPETITIVE LANDSCAPE

  • 6.1 Company Profiles
    • 6.1.1 IBM Corporation
    • 6.1.2 Intel Corporation
    • 6.1.3 ComplyAdvantage.com
    • 6.1.4 Narrative Science
    • 6.1.5 Amazon Web Services Inc.
    • 6.1.6 IPsoft Inc.
    • 6.1.7 Next IT Corporation
    • 6.1.8 Microsoft Corporation
    • 6.1.9 Onfido
    • 6.1.10 Ripple Labs Inc.
    • 6.1.11 Active.Ai
    • 6.1.12 TIBCO Software (Alpine Data Labs)
    • 6.1.13 Trifacta Software Inc.
    • 6.1.14 Data Minr Inc.
    • 6.1.15 Zeitgold GmbH

7 INVESTMENT ANALYSIS

8 MARKET​ OPPORTUNITIES AND FUTURE TRENDS