米国のウェルステック（WealthTech）ソリューション市場の評価：コンポーネント別、展開モード別、企業別、エンドユーザー別、地域別、機会、予測、2017年～2031年

米国のウェルステック（WealthTech）ソリューションの市場規模は、2024年から2031年の予測期間中に13.75%のCAGRで拡大し、2023年の19億8,000万米ドルから2031年には55億5,000万米ドルに成長すると予測されています。いくつかの強力な要因が組み合わさって、ウェルステックソリューション市場は力強い成長を遂げています。そのため、カスタマイズ可能でオンデマンドの価値提案に向けた新たな推進力により、デジタル金融サービスへの関心が高まり続けており、技術の進歩や、より使いやすいプラットフォームへのシフトが後押ししています。また、ブロックチェーン技術も、投資誘致のための革新的なソリューションとなっています。これと並行して、サステナブル投資は前向きな勢いを増しており、投資家は倫理的・環境的な配慮のもとにポートフォリオの評価方法を再構築しようとしています。その他の有力な促進要因としては、より多くの人々がアクセス可能な低コストの投資や、人々が富を管理する方法の民主化などが挙げられます。金融規制と政策における力学の変化が、市場シナリオをさらに形成しています。さらに、人工知能、機械学習、ビッグデータなどの最先端技術に対する高い需要が、この分野の発展と効率性を高めています。

デジタル化は市場の重要な動向になりつつあります。ウェルステックソリューションは、デジタル・ツール、AI、機械学習機能を導入することで、ウェルスマネジメントにおける旧来の慣行に革命を起こします。インターネットの急速な普及とミレニアル世代のフィンテックへの関心の高まりにより、こうしたソリューションは資産管理会社や富裕層にとって必要不可欠なものとなっています。2023年、米国では人口のほぼ95％がインターネットにアクセスできるようになります。意思決定プロセスはAIとMLによって強化され、ビッグデータの分析とユーザーフレンドリーなインターフェイスベースのサービスが可能になります。クラウドベースのテクノロジー、セキュリティ・ソリューション、オープンソースのバンキングシステムは、データの安全性と透明性を確保するウェルステックソリューションの不可欠な要素です。超富裕層や富裕層の顧客には、プロセスの自動化アウトソーシングやロボアドバイザリーにおける付加的なメリットが期待できます。ポートフォリオのリバランシングにおける機械学習機能とその基礎となる予測分析技術は、AIベースの支援によって可能となるコストの透明性と顧客サービスを提供します。

当レポートでは、米国のウェルステックソリューション市場について調査し、市場の概要とともに、コンポーネント別、展開モード別、企業別、エンドユーザー別、地域別動向、および市場に参入する企業のプロファイルなどを提供しています。

目次

第1章 プロジェクトの範囲と定義

第2章 調査手法

第3章 エグゼクティブサマリー

第4章 顧客の声

第5章 米国のウェルステックソリューション市場の見通し、2017年～2031年

• 市場規模の分析と予測
• 市場シェア分析と予測
• 市場マップ分析、2023年
  • コンポーネント別
  • 展開モード別
  • 企業別
  • エンドユーザー別
  • 地域別

第6章 需要供給分析

第7章 バリューチェーン分析

第8章 ポーターのファイブフォース分析

第9章 PESTLE分析

第10章 コスト構造分析

第11章 市場力学

第12章 市場の動向と発展

第13章 ケーススタディ

第14章 競合情勢

• 市場リーダー上位5社の競合マトリックス
• 上位5社のSWOT分析
• 主要企業上位10社の情勢
  • Wealthfront Inc.
  • DriveWealth LLC
  • ActiFi Inc.
  • AdviceFront Limited
  • InvestSuite NV
  • AdvisorEngine Inc.
  • Quadro Partners Inc. (Cadre)
  • Stash Financial Inc.
  • Knabble Inc. (Toggle AI)
  • Vise Inc.

第15章 戦略的提言

第16章 お問い合わせと免責事項

List of Tables

• Table 1. Pricing Analysis of Products from Key Players
• Table 2. Competition Matrix of Top 5 Market Leaders
• Table 3. Mergers & Acquisitions/ Joint Ventures (If Applicable)
• Table 4. About Us - Regions and Countries Where We Have Executed Client Projects

List of Figures

• Figure 1. United States WealthTech Solutions Market, By Value, In USD Billion, 2017-2031F
• Figure 2. United States WealthTech Solutions Market Share (%), By Component, 2017-2031F
• Figure 3. United States WealthTech Solutions Market Share (%), By Deployment Mode, 2017-2031F
• Figure 4. United States WealthTech Solutions Market Share (%), By Enterprise, 2017-2031F
• Figure 5. United States WealthTech Solutions Market Share (%), By End-user, 2017-2031F
• Figure 6. United States WealthTech Solutions Market Share (%), By Region, 2017-2031F
• Figure 7. By Component Map-Market Size (USD Billion) & Growth Rate (%), 2023
• Figure 8. By Deployment Mode Map-Market Size (USD Billion) & Growth Rate (%), 2023
• Figure 9. By Enterprise Size Map-Market Size (USD Billion) & Growth Rate (%), 2023
• Figure 10. By End-user Map-Market Size (USD Billion) & Growth Rate (%), 2023
• Figure 11. By Region Map-Market Size (USD Billion) & Growth Rate (%), 2023

United States WealthTech solutions market is projected to witness a CAGR of 13.75% during the forecast period 2024-2031, growing from USD 1.98 billion in 2023 to USD 5.55 billion in 2031. Several powerful factors are combined to drive robust growth in the WealthTech solutions market. Thus, with a new drive toward customizable, on-demand value propositions, interest in digital financial services continues to gain an edge, encouraged by advancing technology and a shift to more user-friendly platforms, further supported by better customer service or innovation at all costs, leading to market growth. Another push is blockchain technology which is a transformative solution for attracting investments. Parallel to this, sustainable investing is gaining positive momentum, with investors looking to reshape the way they assess their portfolios with ethical and environmental considerations. Other influential growth drivers include low-cost investments that are accessible to the larger population and democratizing ways through which people can manage wealth. Changing dynamics of financial regulations and government policies further shape the market scenario. Moreover, the high demand for state-of-the-art technologies, including artificial intelligence, machine learning, and big data, enhances developments and efficiencies in the sector.

In April 2024, AdvisorEngine Inc. constructed a financial system through which advisers could create and implement financial plans without being required to log in to several systems. It has a goals-based planning tool, run in partnership with Franklin Templeton, and is integrated into the platform, thereby facilitating plan implementation. AdvisorEngine offers client profiling, plan proposals, account opening, portfolio management, and ongoing maintenance that underpin advice arrangements between advisers and their clients.

Surge in Digitalization to Boost Market Growth

Digitalization is becoming a key trend in the market. WealthTech solutions revolutionize old practices in wealth management by introducing digital tools, AI, and machine learning capabilities. With the rapid growth of the internet and millennials' increasing interest in fintech, these solutions have grown to become a necessity for property management firms and high-net-worth individuals. The internet is accessible to almost 95 percent of the population in the United States in 2023. Decision-making processes are empowered through AI and ML, which enables the analysis of big data and user-friendly interface-based services. Cloud-based technologies, security solutions, and open-source banking systems are essential elements of WealthTech solutions that ensure data security and transparency. Added benefits in process automation outsourcing and robo-advisory can be foreseen for ultrahigh-net-worth and high-net-worth clients. The machine learning capabilities and underlying predictive analytics technologies in portfolio rebalancing provide cost transparency and customer service enabled by AI-based assistance.

Increasing Adoption of Blockchain Technology Fuels Market Growth

The growing demand for the adoption of blockchain technology is boosting the market growth. WealthTech solutions are increasingly being designed with the inclusion of digital tools and capabilities of AI and ML, hence influencing market growth. With growing internet penetration and rising millennials' interest in fintech, these solutions have become indispensable for property management firms and high-net-worth individuals. Big Data analysis is used to create personalized investment recommendations, and predictive analytics technology supports advanced facilities for decision-making. In May 2024, Toggle AI announced the acquisition of Atom Finance. Acquiring Atom Finance will help Toggle AI expand its offering by integrating a power set of features, enlarging its data universe, and providing users with a more complete investing experience.

Cloud-based tech, open-source banking systems, and security solutions ensure data security and privacy. The segments targeted by WealthTech solutions are ultrahigh-net-worth and high-net-worth clients. Companies of such nature provide robo-advisory services, portfolio rebalancing, and automation of processes. Due to cost transparency, a friendly interface, and the ability to automatize, digital wallets and robo-advisory services are much in demand. Running predictive analytics and asset liquidity management using the capability of machine learning drives the growth of the market in the United States.

On-premise Segment to Dominate Market Share

The on-premise segment is expected to grow significantly. This has combined digital tools, artificial intelligence, and machine learning with big data to offer revolutionary solutions for the millennial and high-net-worth individual demands in the financial sector. Increased internet penetration has boosted fintech innovation, which has given birth to cryptocurrencies, blockchain, and digital wallets, changing the way investment and property management processes are handled. In addition, on-premise WealthTech solutions are popular with larger-sized wealth management and financial institutions that regard data security and compliance as the priority. Such firms prefer on-premise delivery as it provides advanced security features and offers seamless integration with legacy IT systems. It indicates that machine learning capabilities render process automation for the incorporation of portfolio rebalancing and outsourcing, including a large part of the existing provision for robo-advisory services, in addition to cost transparency and customer service associated with assisting customers using AI. In May 2024, Wealthfront announced the launch of Automated Bond Ladder. It is expected to bring dramatic changes in how investors can earn a high level of interest on their excess cash with the United States treasuries. It is a product that is highly liquid, low in risk, offers a steady yield, and is way more tax-efficient than a savings account or a current deposit.

Northeast Dominates the United States WealthTech Solutions Market

Northeast America dominates the market due to the presence of New York City and Boston, owing to the historical presence of the financial sector in the region, a meaningful contribution of venture capital, and the availability of human talent. New York, with its global finance leadership, and Boston, with its dominance in the investment management sector, pays back to the setting in which WealthTech innovation can thrive. The concentration of such financial expertise, supplemented with generous funding and a highly skilled workforce graduating from top-ranked universities, serves as the engine for the development of state-of-the-art technologies in wealth management. In addition, sophisticated financial tools are in high demand among affluent individuals and institutions in these cities, which further accelerates the pace at which WealthTech solutions will be applied and gain importance.

In 2024, Yieldstreet, the private market investing platform, announced the completion of its acquisition of Cadre, an online investment platform focused on real estate, institutional, and high-net-worth investors. This acquisition concluded with the transaction between Yieldstreet and Cadre, positioning it to become a leader in the private market investing platform space, onboarding top-tier institutional clients from Cadre, an investment platform, and thousands of high-net-worth investors.

Future Market Scenario (2024 - 2031F)

The rapidly growing number of WealthTech solutions would tend to be fitting for investors who are highly sensitive to current pressing environmental, social, and governance (ESG) issues.

Millennials and Generation Z are rapidly becoming the major consuming force for financial products and services, with their current needs tipped toward innovative digital solution offerings.

Artificial intelligence is picking momentum in the marketplace, vying to be one of the most sought-after solutions to enhance financial decision-making processes, offering novel ways of evaluating active risks by delivering alternative models in investment process automation.

Key Players Landscape and Outlook

WealthTech landscape is a sea of competition with many new entrants. Wealth management businesses both in-house and outsourced must regard these solutions as being extremely critical within the WealthTech realm. The solutions cure the inefficiencies prevailing in the value chain and considerably change the industry. Significant improvements have been noted in portfolio management, along with asset liquidity and customer experience improvement through better transparency of costs. They are advancing transaction technologies and expanding access to alternative investments, such as private equity and hedge funds, thereby broadening investment opportunities and offering better advisory services.

In 2024, Papara, based in Turkey, announced its partnership with the United States financial technology company, DriveWealth, to roll out a new investment product in stocks. The partnership will enable the user base to invest in the US-listed stocks using NASDAQ and NYSE feeds, in real-time from October 2024. Through the partnership, users at Papara will be able to buy or sell fractional shares of the United States equities and exchange-traded funds through DriveWealth's fractional investing solution.

Table of Contents

1. Project Scope and Definitions

2. Research Methodology

3. Executive Summary

4. Voice of Customer

• 4.1. Product and Market Intelligence
• 4.2. Mode of Brand Awareness
• 4.3. Factors Considered in Purchase Decisions
  • 4.3.1. Functionality
  • 4.3.2. Cost Structure
  • 4.3.3. Security and Compliance
  • 4.3.4. Integration Capabilities
• 4.4. Customer Support
• 4.5. Consideration of Privacy and Regulations

5. United States WealthTech Solutions Market Outlook, 2017-2031F

• 5.1. Market Size Analysis & Forecast
  • 5.1.1. By Value
• 5.2. Market Share Analysis & Forecast
  • 5.2.1. By Component
    • 5.2.1.1. Solution
    • 5.2.1.2. Services
  • 5.2.2. By Deployment Mode
    • 5.2.2.1. On-Premises
    • 5.2.2.2. Cloud
  • 5.2.3. By Enterprise
    • 5.2.3.1. Large Enterprises
    • 5.2.3.2. Small and Medium Enterprises
  • 5.2.4. By End-user
    • 5.2.4.1. Banking
    • 5.2.4.2. Investment Firms
    • 5.2.4.3. Wealth Management Firms
    • 5.2.4.4. Others
  • 5.2.5. By Region
    • 5.2.5.1. Northeast
    • 5.2.5.2. Midwest
    • 5.2.5.3. West
    • 5.2.5.4. South
  • 5.2.6. By Company Market Share Analysis (Top 5 Companies and Others - By Value, 2023)
• 5.3. Market Map Analysis, 2023
  • 5.3.1. By Component
  • 5.3.2. By Deployment Mode
  • 5.3.3. By Enterprise
  • 5.3.4. By End-user
  • 5.3.5. By Region

6. Demand Supply Analysis

7. Value Chain Analysis

8. Porter's Five Forces Analysis

9. PESTLE Analysis

10. Cost Structure Analysis

11. Market Dynamics

• 11.1. Market Drivers
• 11.2. Market Challenges

12. Market Trends and Developments

13. Case Studies

14. Competitive Landscape

• 14.1. Competition Matrix of Top 5 Market Leaders
• 14.2. SWOT Analysis for Top 5 Players
• 14.3. Key Players Landscape for Top 10 Market Players
  • 14.3.1. Wealthfront Inc.
    • 14.3.1.1. Company Details
    • 14.3.1.2. Key Management Personnel
    • 14.3.1.3. Products and Services
    • 14.3.1.4. Financials (As Reported)
    • 14.3.1.5. Key Market Focus and Geographical Presence
    • 14.3.1.6. Recent Developments/Collaborations/Partnerships/Mergers and Acquisition
  • 14.3.2. DriveWealth LLC
  • 14.3.3. ActiFi Inc.
  • 14.3.4. AdviceFront Limited
  • 14.3.5. InvestSuite NV
  • 14.3.6. AdvisorEngine Inc.
  • 14.3.7. Quadro Partners Inc. (Cadre)
  • 14.3.8. Stash Financial Inc.
  • 14.3.9. Knabble Inc. (Toggle AI)
  • 14.3.10. Vise Inc.

Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work.

15. Strategic Recommendations

16. About Us and Disclaimer