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市場調査レポート
商品コード
1475034
フィンテックの世界市場の評価:展開方式別、技術別、用途別、エンドユーザー別、地域別、機会、予測(2017年~2031年)Fintech Market Assessment, By Deployment Mode, By Technology, By Application, By End-user, By Region, Opportunities, and Forecast, 2017-2031F |
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カスタマイズ可能
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フィンテックの世界市場の評価:展開方式別、技術別、用途別、エンドユーザー別、地域別、機会、予測(2017年~2031年) |
出版日: 2024年05月08日
発行: Market Xcel - Markets and Data
ページ情報: 英文 232 Pages
納期: 3~5営業日
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世界のフィンテックの市場規模は、2023年の2,510億4,000万米ドルから2031年に5,997億1,000万米ドルに達すると予測され、2024年~2031年の予測期間にCAGRで11.5%の成長が見込まれます。フィンテックとしても知られる金融技術は、金融サービスの提供や利用を改良し自動化するために、新たな技術的ブレークスルーを金融商品やサービスに応用することです。世界のフィンテック市場の成長には、オンライン決済手段に対する需要の増加や、幅広いデジタル決済オプションの導入、技術革新、パートナーシップの増加、政府施策などの複数の要因が寄与しています。
世界中でインターネットの普及とスマートフォンの所有率が高まり、デジタル通貨が受け入れられつつあることが、世界のフィンテック市場に変化をもたらしています。Pulse of Fintech H1 2023によると、南北アメリカのフィンテック資金調達総額は2022年下半期の289億米ドルから急増し、2023年上半期に360億米ドルに達しました。2023年上半期、さまざまなフィンテックのサブカテゴリで資金調達額が大幅に増加しました。年半ばまでに、ロジスティクスとサプライチェーンマネジメントに特化したフィンテック企業の資金調達額は、これまでの年間総額を上回り、82億米ドルに達しました。さらに、ESGに特化したフィンテック企業は17億米ドルの資金調達を受け、2022年の調達総額を上回っています。
インシュアテック、レグテック、決済サービスなどのフィンテックは近年進化しており、それぞれが特定の業務や業界に特化した最先端技術を活用しています。フィンテックビジネスが単なる動向の域を超えつつある今、企業の戦略における実行のレベルの重要性が増しています。FinTech産業の技術的要素は絶えず拡大しています。ブロックチェーン、アプリケーションプログラミングインターフェース(API)、ロボティックプロセスオートメーション、データアナリティクスなどの技術が、敏捷性、効率性、正確性の向上を可能にするために急速に利用されています。
幅広いデジタル決済オプション
パンデミック中、金融へのアクセス性が高まった結果、デジタル決済が拡大し、世界中で基本的な金融機関が発展しました。現金に代わる決済方法、リクエストトゥペイ、BNPL(Buy Now, Pay Later)、デジタル通貨サービスといった斬新な決済方法は、いずれもFinTech市場の成長に向けた新たな機会をもたらしました。デジタル決済は、より迅速で効率的、かつ安全な送金および取引の方法を提供することで、フィンテック産業を再構築しました。National Payments Corporation of India(NPCI)のデジタル決済レールロードであるUPI(Unified Payments Interface)は、世界のリアルタイム決済の40%を処理しています。
金融サービスにおける技術革新
新たな技術によって、銀行、保険企業、その他の金融サービス企業は、業務をアップグレードし、顧客にサービスを提供するさまざまな方法を見出すことができるようになっています。演算能力、暗号技術、ビッグデータ、AIの進歩、ブロックチェーンや暗号通貨への投資、モバイルアクセスの改善、インターネット速度の向上などが、金融ビジネスの複数の分野で新たな用途を生み出しています。技術革新の例としては、斬新な融資拡大方法、投資アドバイス、保険の価格設定に加え、より広く見ると、貯蓄者や投資家から借り手への資金移動方法などもあります。金融機関の効率的かつ効果的な業務遂行を支援する技術革新の1つに、 ロボティックプロセスオートメーション(RPA)があります。チャットボットは即座の応答と迅速な苦情の解決を提供し、パーソナルバンキング体験を誘発します。ブロックチェーンセグメントが2023年に最大の市場シェアを占めました。
当レポートでは、世界のフィンテック市場について調査分析し、市場規模と予測、市場力学、主要企業の情勢と見通しなどを提供しています。
The Global fintech market is projected to witness a CAGR of 11.5% during the forecast period 2024-2031, growing from USD 251.04 billion in 2023 to USD 599.71 billion by 2031. Financial technology, also known as Fintech, is the application of new technical breakthroughs into financial products and services to improve and automate the delivery and usage of financial services. Multiple factors are contributing to the growth of the global fintech market such as increasing demand for online payment methods, introduction of a wide range of digital payment options, technological innovations, increasing partnerships, and government schemes.
Increasing internet penetration and smartphone ownership throughout the world, as well as the growing acceptance of digitized currencies, are transforming the global fintech market. According to the Pulse of Fintech H1 2023, total fintech funding in the Americas surged from USD 28.9 billion in H2 2022 to reach USD 36 billion in H1 2023. In the H1 of 2023, various fintech subcategories experienced significant levels of funding. By mid-year, the funding for fintech companies specializing in logistics and supply chain management surpassed all Previous yearly totals, reaching USD 8.2 billion. Additionally, ESG-focused fintech companies received USD 1.7 billion in funding, exceeding the total amount raised in 2022.
Insurtech, Regtech, payment services, and other varieties of fintech have evolved in recent years, each utilizing cutting-edge technology specialized in certain tasks or industries. Now as the FinTech business is more than a trend, the level of execution accomplished in companies' strategies is becoming increasingly important. The FinTech industry's technological component is continuously expanding. Blockchain, Application Programming Interface (API), robotic process automation, data analytics, and other technologies are rapidly being used to enable increased agility, efficiency, and accuracy.
Wide Range of Digital Payment Options
Financial accessibility increased during the pandemic, resulting in the growth of digital payments and the development of basic financial institutions around the globe. Novel payment methods such as cash replacement, request to pay, buy now, pay later (BNPL), and digital currency services have all generated new opportunities for the growth of the FinTech market. Digital payments have restructured the fintech industry by providing faster, more efficient, and more secure ways to transfer money and make transactions. The National Payments Corporation of India's (NPCI) digital payments railroad, Unified Payments Interface (UPI), is processing 40% of the global real-time payments.
Technological Innovations in Financial Services
New technologies have enabled banks, insurers, and other financial services firms to upgrade their operations and find different ways of serving their clients. Computing power, cryptography, big data, advancement in AI, investments in blockchain and cryptocurrency, improved mobile access, and increasing internet speed are creating new applications in several areas of the financial business. A few examples of technological innovations are novel ways of loan extension, investment advice, insurance pricing, and more broadly, how money is transferred from savers/investors to borrowers. One area of innovation helping FIs to become efficient and effective is robotic process automation (RPA). Chatbots provide instant responses and quick complaint resolution, triggering personal banking experience. The blockchain segment held the largest share of the market in 2023.
Government schemes
Governments around the world are increasingly recognizing the importance of fintech for their economies and are implementing various schemes and incentives to support the growth of the fintech market. Tax incentives, grant programs, innovation hubs, and talent development programs are being introduced by governments. Policymakers around the world are developing regulatory sandboxes to encourage finance industry innovation while keeping an eye on potential threats. Regulatory sandboxes allow fintech companies to test innovative products and services in a controlled environment. It helps in reducing the time and costs associated with regulatory compliance. In India, FinTech sector unveils a promising landscape with USD 12 billion (INR 1 lakh crore) fund offering 50-year interest-free loans for tech-driven growth, fostering creativity and potentially intensifying competition in lending.
Cloud to Dominate the Market Share as the Mode of Deployment
The cloud sector leads with the largest share of the global fintech market and is projected to maintain its dominance in the foreseeable future. It is primarily due to the scalability and cost-effectiveness of cloud solutions, which enable fintech companies to swiftly expand their operations. The ability to adjust to varying workloads and the potential for cost reduction further reinforces the prevalence of cloud development.
Conversely, the on-premises sector is expected to experience robust growth during the forecast period. On-premises deployment, where software and infrastructure are hosted internally within a company's data centers, has traditionally been favored by some financial institutions due to security and control considerations. While on-premises solutions offer extensive customization and control, they may encounter challenges in terms of scalability, upfront expenses, and agility when compared to cloud alternatives.
Future Market Scenario (2024 - 2031F)
The global fintech market is projected to witness sustainable growth in the upcoming years as it is driven by the increasing adoption of digital financial services and technological advancements.
Fintech companies are expected to expand their presence into emerging markets, tapping into the growing demand for innovative financial solutions in regions with developing economies.
The fintech industry is likely to face evolving regulatory landscapes, requiring companies to adapt to changing compliance requirements and standards to ensure sustainable growth.
With the rise of digital transactions and data sharing, cybersecurity will remain a top priority for fintech firms, leading to investments in robust security measures to protect customer information and financial assets.
Key Players Landscape and Outlook
In 2023, the fintech sector witnessed notable collaborations driving the market growth. For instance, PayPal partnered with a leading AI company to enhance fraud detection in digital transactions, contributing to increased security and customer trust. Additionally, joined forces with a major cryptocurrency exchange to enable seamless integration of crypto payments for small businesses expanding access to innovative financial solutions. These collaborations exemplify the ongoing synergy between fintech players, shaping the industry's trajectory for the future.
All segments will be provided for all regions and countries covered