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市場調查報告書
商品編碼
1887186
個人理財軟體市場規模、佔有率、成長及全球產業分析:依類型、應用和地區劃分的洞察與預測(2024-2032)Personal Finance Software Market Size, Share, Growth and Global Industry Analysis By Type & Application, Regional Insights and Forecast to 2024-2032 |
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隨著消費者越來越多地使用數位化工具進行預算、銀行業務、投資和維護整體財務健康,全球個人理財軟體市場持續快速成長。根據2024年的產業評估,受金融素養提高、數位科技普及以及對即時財務資訊日益增長的需求等因素的推動,該市場規模在2024年達到12.8億美元。預計到2025年,市場規模將成長至13.5億美元,到2032年將達到21.9億美元,預測期內複合年增長率(CAGR)為7.2%。 2024年,北美以33.59%的市佔率領先全球市場,這主要得益於金融應用程式的普及和金融科技領域的創新。
數位轉型正在加速市場成長
隨著金融科技的進步重塑個人和小型企業監控和規劃財務的方式,個人理財軟體市場已顯著成熟。行動應用程式和雲端工具使用戶能夠隨時隨地追蹤支出、管理帳單支付、分析投資並自動儲蓄。 Quicken Inc.、The Infinite Kind、Buxfer Inc.、Doxo Inc.和You Need A Budget LLC等公司正在擴展其產品和服務,以滿足不斷變化的消費者期望。同時,金融科技合作關係也不斷提升服務能力。例如,2024年8月,Galileo Financial Technologies幫助合作夥伴公司整合了萬事達卡的智慧數據分析平台,以增強企業費用管理。
新冠疫情進一步加速了數位金融的普及,推動了市場的強勁表現,因為越來越多的用戶尋求遠端工具來管理他們的帳戶、信用卡、儲蓄和投資。
生成式人工智慧的影響:變革的力量
生成式人工智慧正在透過實現自動化預算、投資洞察、信用管理和個人化推薦,塑造個人理財的未來。 Google Gemini、Cleo 和 ChatGPT 等工具已成為財務規劃的必備工具。根據 Cleo 發布的 "2024 年人工智慧與金融報告" ,74% 的 Z 世代和千禧世代願意使用人工智慧驅動的金融工具,57% 的 18-24 歲美國成年人已經在人工智慧的幫助下進行退休儲蓄。 Experian 的 2024 年調查也發現,67% 的 Z 世代和 62% 的千禧世代正在使用人工智慧進行預算(60%)、投資規劃(48%)和信用評分提升(48%)。這些變化顯示使用者對數位諮詢技術的信任度正在不斷提高。
市場驅動因素
行動銀行已經改變了全球的金融行為。隨著金融科技公司和新型銀行不斷擴展其數位銀行解決方案,傳統銀行也開始提供創新的金融工具。 2025年1月,阿布達比伊斯蘭銀行發布了阿聯酋首個個人財務管理工具“ADIB 資金管理追蹤器”,旨在幫助用戶更有效地管理其財務活動。
區塊鏈、人工智慧、機器學習和自動化投資工具等新興技術正在推動市場擴張。這些創新正在為去中心化的金融服務和個人化資金管理鋪平道路。
市場限制因子
網路安全威脅
隨著數位交易的增加,與身分盜竊、網路釣魚和網路詐騙相關的風險也在增加。例如,VMware報告稱,2020年初針對金融機構的網路攻擊增加了238%,金融業資料外洩的平均成本達到572萬美元(IBM和Ponemon Institute)。這些威脅阻礙了一些用戶採用金融軟體,尤其是在雲端環境中。
市場機會
發展中國家的普及率不斷提高
亞太地區、南美洲以及中東和非洲的新興市場蘊藏著巨大的成長機會。智慧型手機普及率的提高和網路存取的擴大正在推動數位個人理財工具的普及。人工智慧和機器學習也在提升發展中地區金融機構的金融風險評估和規劃能力。
區域趨勢
預計2024年,北美市場規模將達到4.3億美元,主要得益於金融科技的廣泛應用和金融教育措施。亞太地區預計將成為成長最快的地區,預計到2025年,該地區市場規模將達到2.8億美元,主要得益於中國、印度和日本對數位銀行的普及。預計到2025年,歐洲市場規模將達到3.3億美元,反映出人們對預算和規劃應用程式的濃厚興趣。隨著數位素養和行動裝置普及率的提高,南美以及中東和非洲地區將實現穩步成長。
The global personal finance software market continues to expand rapidly as consumers increasingly rely on digital tools to manage their budgets, banking, investments, and overall financial well-being. According to the 2024 industry assessment, the market size stood at USD 1.28 billion in 2024, supported by rising financial literacy, digital adoption, and the growing need for real-time financial visibility. The market is projected to grow to USD 1.35 billion in 2025, eventually reaching USD 2.19 billion by 2032, reflecting a strong CAGR of 7.2% over the forecast period. In 2024, North America led the global market with a 33.59% share, driven by widespread use of financial apps and innovations in fintech.
Digital Transformation Accelerating Market Growth
The personal finance software market has matured significantly as fintech advancements reshape how individuals and small businesses monitor and plan their finances. Mobile apps and cloud-based tools now enable users to track expenses, manage bill payments, analyze investments, and automate savings anytime and anywhere. Companies such as Quicken Inc., The Infinite Kind, Buxfer Inc., Doxo Inc., and You Need A Budget LLC have expanded their offerings to meet evolving consumer expectations. Meanwhile, financial technology partnerships continue to enhance service capabilities. For example, in August 2024, Galileo Financial Technologies enabled partners to integrate MasterCard's Smart Data analytics platform, strengthening enterprise expense management.
The COVID-19 pandemic further accelerated digital finance adoption as users sought remote tools to manage accounts, credit cards, savings, and investments, contributing to a positive market trajectory.
Impact of Generative AI: A Transformative Force
Generative AI is shaping the future of personal finance by enabling automated budgeting, investment insights, credit management, and personalized recommendations. Tools like Google Gemini, Cleo, and ChatGPT have become integral to financial planning. According to Cleo's 2024 AI & Money Report, 74% of Gen Z and Millennials are open to using AI-powered financial tools, while 57% of U.S. adults aged 18-24 are already saving for retirement with AI assistance. Experian's 2024 survey also found that 67% of Gen Z and 62% of Millennials used AI for budgeting (60%), investment planning (48%), and improving credit scores (48%). These shifts highlight growing user confidence in digital advisory technologies.
Market Drivers
Mobile banking has transformed financial behavior globally. Fintech companies and neobanks have expanded digital banking solutions, prompting traditional banks to launch innovative financial tools. In January 2025, Abu Dhabi Islamic Bank launched the UAE's first personal finance management tool-ADIB Money Management Tracker-offering users enhanced control over financial activities.
Emerging technologies such as blockchain, AI, machine learning, and automated investment tools are contributing to market expansion. These innovations open new pathways for decentralized financial services and personalized money management.
Market Restraints
Cybersecurity Threats
With growing digital transactions, risks related to identity theft, phishing, and online fraud have intensified. For instance, VMware reported a 238% rise in cyberattacks on financial institutions in early 2020, while the average cost of a financial sector data breach reached USD 5.72 million (IBM & Ponemon Institute). These threats discourage some users from adopting financial software, especially in cloud-based environments.
Market Opportunities
Growing Adoption in Developing Economies
Emerging markets in Asia Pacific, South America, and the Middle East & Africa provide substantial growth opportunities. Increased smartphone penetration and expanding internet access are enabling greater adoption of digital personal finance tools. AI and machine learning also enhance financial risk assessment and planning capabilities across institutions in developing regions.
Regional Landscape
North America recorded USD 0.43 billion in 2024, supported by strong fintech penetration and financial education initiatives. Asia Pacific is set to grow fastest, with the regional market expected to reach USD 0.28 billion in 2025, driven by digital banking adoption in China, India, and Japan. Europe is forecast to reach USD 0.33 billion in 2025, reflecting strong interest in budgeting and planning apps. South America and the Middle East & Africa will grow steadily as digital literacy and mobile adoption rise.
Competitive Landscape
Key players include Quicken Inc., The Infinite Kind, YNAB, Buxfer Inc., Doxo Inc., Money Dashboard, Moneyspire Inc., Spendee, Personal Capital, Banktivity, Finicity, PayU, PayPal, PocketSmith, and others. Product expansions, acquisitions, and AI-driven innovation remain core strategic priorities. For example, Moneyspire's 2025 version introduced enhanced budgeting and reporting features, while Doxo launched doxoBILLS, enabling secure bill payments to over 120,000 billers.
Segmentation By Tool
By Type
By Deployment
By End-user
By Region
Companies Profiled in the Report Quicken Inc. (U.S.), The Infinite Kind (Scotland), You Need A Budget LLC (U.S.), Buxfer Inc. (U.S.), Doxo Inc. (U.S.), Money Dashboard Limited (U.K.), Moneyspire Inc. (U.S.), Personal Capital Corp. (U.S.), Pocket Smith Ltd. (New Zealand), and Paypal Inc. (U.S.).