日本のウェルステック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、2018年～2032年

日本のウェルステックソリューションの市場規模は、2025年～2032年の予測期間中に14.62％のCAGRで拡大し、2024年の1億8,045万米ドルから2032年には5億3,758万米ドルに成長すると予測されています。同市場は、自動化されパーソナライズされた戦略で投資運用を変革するロボアドバイザーの成長、より正確な予測とユーザー体験で金融サービスを変革するAIと機械学習、小規模投資を可能にすることで投資機会を拡大するマイクロ投資など、さまざまな有力動向に影響されながら常に進化しています。ブロックチェーン技術や暗号通貨への関心が高まるなか、企業は新たな投資機会チャネルを模索しています。規制環境を通じて、日本政府はフィンテックのイノベーションを推進しています。デジタルウォレットや決済ソリューションは、洗練されたユーザー体験を提供するため、継続的に日本に統合されています。世界が進むグリーン経済への変化を反映し、環境・社会・ガバナンス（ESG）基準を反映した投資商品への需要が世界でますます高まっています。

ウェルステックは、ウェルスマネジメントとテクノロジーの融合です。このビジネスは、日本のフィンテック市場において最も変革的なセクターのひとつに急成長しています。2024年2月、株式会社三菱UFJフィナンシャルグループは、その中核銀行部門であるMUFG Bank Ltd.が、約1億415万米ドル（約156億5,000万円）相当の取引で、ロボアドバイザー会社であるWealthNavi Inc.の株式15.55％を取得すると発表しました。この提携は、MUFG銀行の広範な顧客ネットワークとWealthNaviの自動投資アドバイスのノウハウを活用し、消費者が利用できる金融サービスをさらに発展させることを意図しています。

日本におけるフィンテックは、オンラインやモバイルチャネルを通じた金融サービスの提供を破壊することで、市場の燃料として機能しています。このシフトは、金融ソリューションが合理的なコストでより迅速かつ便利になるように、重要なプロセスをデジタル化しました。銀行、保険会社、資産運用会社、消費者の間でフィンテックに対する信頼が回復し、高速で安全なインターネットやモバイル・テクノロジーが一般的に採用されることで、世界経済の回復局面を後押ししました。このような信頼の高まりは、ひいては、銀行や保険会社が収益性を高め、若い顧客の関心をさらに引きつけるためにフィンテックに投資することにも影響を与えました。ベンチャーキャピタルやプライベートエクイティからの資金調達の増加は、超成長戦略をとるフィンテック会社の急成長を後押ししています。このような金融サービスの革新は、投資管理を強化し、コスト効率と収益を生み出すソリューションのための世界な手段へのアクセスを提供することによって、日本のウェルステックソリューション市場の成長スパートをさらに引き起こします。例えば、五條＆カンパニーは、2023年2月のシリーズE資金調達の最終クローズにおいて、3,080万米ドルの追加調達に成功しました。シリーズE資金調達の累計額は1億米ドルに達しました。

当レポートでは、日本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 日本のウェルステックソリューション市場の見通し、2018年～2032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、2024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
  • Money Design Company Limited
  • Wealth Navi Company Limited
  • Rakuten Group Inc.
  • Monex Group Inc.
  • The University of Tokyo Edge Capital Partners Company Limited (Finatext)
  • Fundrise LLC
  • Nomura Holdings Inc.
  • Quantifeed HK Limited
  • Gojo & Company Inc.
  • Money Tree Company Limited

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. Japan WealthTech Solutions Market, By Value, In USD Million, FY2018-FY2032F
• Figure 2. Japan WealthTech Solutions Market Share (%), By Component, FY2018-FY2032F
• Figure 3. Japan WealthTech Solutions Market Share (%), By Deployment Mode, FY2018-FY2032F
• Figure 4. Japan WealthTech Solutions Market Share (%), By Enterprise, FY2018-FY2032F
• Figure 5. Japan WealthTech Solutions Market Share (%), By End-user, FY2018-FY2032F
• Figure 6. Japan WealthTech Solutions Market Share (%), By Region, FY2018-FY2032F
• Figure 7. By Component Map-Market Size (USD Million) & Growth Rate (%), FY2024
• Figure 8. By Deployment Mode Map-Market Size (USD Million) & Growth Rate (%), FY2024
• Figure 9. By Enterprise Map-Market Size (USD Million) & Growth Rate (%), FY2024
• Figure 10. By End-user Map-Market Size (USD Million) & Growth Rate (%), FY2024
• Figure 11. By Region Map-Market Size (USD Million) & Growth Rate (%), FY2024

Japan WealthTech solutions market is projected to witness a CAGR of 14.62% during the forecast period FY2025-FY2032, growing from USD 180.45 million in FY2024 to USD 537.58 million in FY2032. The market is constantly evolving, influenced by a variety of leading trends, including the growth of robo-advisors that transform investment management with their automated and personalized strategies, AI and machine learning, which are transforming financial services with more accurate predictions and user-experiences, and micro-investing, making investment opportunities increasingly available by letting people invest at a small-scale. With the growing interest in blockchain technology and cryptocurrencies, firms are looking for new investment opportunity channels. Through a regulatory environment, the Japanese government propels innovations in fintech. Digital wallets and payment solutions are continuously being integrated into the country to provide refined user experiences. There is an ever-increasing demand for investment products in the world that mirror environmental, social, and governance (ESG) criteria, reflecting the change to green economies that the world is going through.

WealthTech is a combination of wealth management and technology. This business has rapidly become one of the most transformational sectors in Japan fintech market. In Feb 2024, Mitsubishi UFJ Financial Group Inc. announced that its core banking unit, MUFG Bank Ltd, would buy a 15.55% stake in robo-advisor firm WealthNavi Inc. in a deal worth about USD 104.15 million (JPY 15.65 billion). The tie-up now intends to leverage MUFG Bank's widespread customer network and WealthNavi's know-how in automated investment advice to further develop the financial services available to consumers.

Growth of the Fintech Sector Fuels Market Expansion

FinTech in Japan acts as market fuel by disrupting the delivery of financial services online and through mobile channels. This shift has digitized critical processes in such a way that financial solutions have turned out to be faster and more convenient at a reasonable cost. The restoration of confidence in fintechs among banks, insurance companies, asset managers, and consumers aided in the recovery phase of the global economy by the general adoption of high-speed and safe internet and mobile technologies. This growing confidence has, in turn, influenced banks and insurers to invest in fintechs to boost profitability and further attract the interest of younger customers. Increased funding from venture capital and private equity has driven the fast growth of fintech companies that are following hyper-growth strategies. These financial service innovations result in strategies, further causing growth spurts in the WealthTech solutions market of Japan by enhancing investment management and providing access to global avenues for cost-efficient and revenue-generating solutions. For Instance, Gojo & Company, Inc. has successfully raised an additional USD 30.8 million in the final close of their Series E fundraising in February 2023. The cumulative Series E financing amount has reached USD 100 million.

Rise in Digitalization to Propel Market Growth

Digitalization is proving to be one of the latest market trends, and wealth management has started to take up this platform. WealthTech solutions are at the helm in this shift from traditional methods of wealth management. Integrated digital tools, AI, and machine learning make these solutions imperative for property management firms and high-net-worth individuals. The contribution of rapid internet expansion and increased interest among millennials in fintech have driven this shift. On mobile, speeds rose from 40.75 Mbps in July 2023 to 46.70 Mbps in July 2024, while fixed broadband rose from 145.49 Mbps to 194.05 Mbps, the latter indicating wired Internet services to gain significant upgrades. These increases seem indicative of continuing upgrades to network infrastructure and technology for faster and more reliable online access with both kinds of connections.

AI and machine learning enhance decision-making as they enable big data analysis in user-friendly formats. Cloud technologies, security solutions, and open-source banking systems form part of the WealthTech solutions to ensure data security and transparency for customers. Process automation, outsourcing, and robo-advisory services continue to hold more value for ultrahigh-net-worth and high-net-worth clients. Predictive analytics technologies powered by machine learning mean better portfolio rebalancing, cost transparency, and AI-driven customer service.

Solution Segment Dominates the Market

The solution segment has seen maximum growth, mainly driven by the rapid adoption of technology in wealth management across individuals and companies. This change in trend is driven by the emergence of an overall digital financial ecosystem based on SaaS, big data, and AI. At the same time, these are the exact building blocks that are changing international money flows structurally and, hence, form the critical factors in the evolution of the market. In August 2024, Fundrise Innovation Fund invested in Immuta, the Leading Provider of Governance and Security Software for Modern Data Infrastructure. This investment is an extensive validation of the future potential of the platform, running at this stage as a market leader in the space.

Besides that, UI/UX feature enhancements have played a role in this growth. The new and more dynamic UI/UX features incorporated within the modern solutions make these platforms convenient to use and substantially improve the end-user's overall experience. This further accelerates simplification and enhances functionality, which adds to the rapid growth and development of the WealthTech solutions market in Japan.

Central Region Dominates the Japan WealthTech Solutions Market

In Japan, the main concentration of the WealthTech solutions market is found in the central region, around Tokyo, in the Kanto area, serving as a substantial financial hub of the country. It is the major city in the world financial center and one of the most densely populated cities by high-net-worth individuals, with a strong driving force for the development of the city's WealthTech industry due to advanced technological infrastructure. At the same time, a vibrant startup environment with a strong representation of financial institutions encourages and affirms innovation in wealth management solutions.

The southern region is becoming an increasingly important player in Japan WealthTech solutions market. Cities such as Osaka in the Kansai area have become important financial centers, with more investment poured and a rising ecosystem of tech startups and financial services firms. This regional growth has been driven by economic diversification, local talent, and appropriate infrastructure development that has further enhanced digital financial services.

Future Market Scenario (FY2025 - FY2032F)

Artificial intelligence is making financial decisions more effective by providing better risk assessment models and automating investment processes.

The interface of WealthTech solutions is designed to be user-friendly, direct, clear, and easy to understand, with engaging content to help consumers make financial planning and investment decisions by consumers.

Investments and property management companies are betting on cryptocurrencies and blockchain technology to disrupt investment and asset management practices.

Key Players Landscape and Outlook

With many emerging players, Japan WealthTech solutions market is becoming more crowded. The market is of prime importance for the innovators of WealthTech solutions, where the market size is in the form of in-house or outsourced technology. Companies in WealthTech are focusing on the transformation of the industry, identifying inefficiencies along the value chain. Key companies try to deploy benefits that include effective portfolio management, increased asset liquidity, an enhanced customer experience, a clear view into costs, better advice, more accessible transaction technologies, and opening the market for alternative investments with private equity and hedge funds.

In July 2024, Thought Machine, the cloud-native banking technology company, and Quantifeed, the leading provider of digital wealth management solutions, announced a new partnership, bringing their joint capabilities to service the private banking sector worldwide. Quantifeed's QEngine platform and Thought Machine's Vault Core offer a truly comprehensive solution for private banks. The integrated system brings together the front, middle, and back offices, enabling a bank's ability to navigate and migrate from monolithic legacy technology and develop new investment products, as well as distribution channels.

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
  • 4.3.4. Integration Capabilities
• 4.4. Customer Support
• 4.5. Consideration of Privacy and Regulations

5. Japan WealthTech Solutions Market Outlook, FY2018-FY2032F

• 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. North [Hokkaido and Tohoku]
    • 5.2.5.2. Central [Kanto and Chubu]
    • 5.2.5.3. South [Kansai, Chugoku, Shikoku, Kyushu, Okinawa]
  • 5.2.6. By Company Market Share Analysis (Top 5 Companies and Others - By Value, FY2024)
• 5.3. Market Map Analysis, FY2024
  • 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. Money Design Company Limited
    • 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. Wealth Navi Company Limited
  • 14.3.3. Rakuten Group Inc.
  • 14.3.4. Monex Group Inc.
  • 14.3.5. The University of Tokyo Edge Capital Partners Company Limited (Finatext)
  • 14.3.6. Fundrise LLC
  • 14.3.7. Nomura Holdings Inc.
  • 14.3.8. Quantifeed HK Limited
  • 14.3.9. Gojo & Company Inc.
  • 14.3.10. Money Tree Company Limited

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