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市場調查報告書
商品編碼
1541006
2024-2032 年按類型、組件、部署模型、垂直產業和地區分類的數位借貸平台市場報告Digital Lending Platform Market Report by Type, Component, Deployment Model, Industry Vertical, and Region 2024-2032 |
2023 年,全球IMARC Group位借貸平台市場規模達到 116 億美元。與其他金融科技服務合作創建更全面的金融生態系統正在推動市場發展。
主要市場促進因素:智慧型手機連接的便利性以及高速網路的日益普及正在推動市場發展。
主要市場趨勢:對個人化使用者介面和體驗的需求不斷成長,是重要的成長誘導因素。此外,尋求融資的中小企業數量不斷增加,進一步刺激了市場。
競爭格局:全球市場上的一些知名公司包括 Black Knight Inc.、Finastra、FIS、Fiserv Inc.、Intellect Design Arena Ltd、InterContinental Exchange Inc.、Nucleus Software Exports Ltd.、Pegasystems Inc.、Roostify Inc.、 Tavant Technologies和Wipro Limited 等。
地理趨勢:由於廣泛重視數位自動化,北美在市場上表現出明顯的主導地位。
挑戰與機會:阻礙市場發展的限制之一是缺乏標準化的信用評估標準。然而,統一資料驗證實踐的實施預計將在預測期內推動市場發展。
越來越注重使用者體驗
對個人化的過度重視正在刺激市場。此外,各種平台正在利用先進技術來提供簡化的申請流程、直覺的介面以及針對個人借款人需求的客製化貸款產品。例如,2024 年 5 月,PhonePe 在 PhonePe 應用程式中推出了其安全數位借貸平台,使約 5.35 億註冊用戶能夠獲得六個不同類別的貸款,包括黃金貸款、共同基金貸款、汽車貸款等。
監管支持不斷增加
監管機構為維護金融體系完整性、保護消費者、促進創新等推出的利多政策,不斷升級數位借貸平台的市場需求。例如,2024 年 6 月,Salesforce 推出了數位借貸平台,幫助印度政府機構和公共部門組織增強公民體驗。除此之外,資料隱私法的實施正在推動 Temenos 和 Finastra 等平台的普及。
拓展替代管道
金融科技新創公司數量的不斷增加是重要的成長誘導因素。此外,替代貸款管道在傳統銀行機構之外提供了更多樣化、更容易獲得的融資選擇。因此,它們在全球範圍內獲得了廣泛的關注。例如,2024 年 3 月,連接金融機構與醫療保健提供者以簡化患者付款的提供者之一的 Epic River 開發了專門為信用合作社量身定做的綜合數位借貸平台。
The global digital lending platform market size reached US$ 11.6 Billion in 2023. Looking forward, IMARC Group expects the market to reach US$ 34.3 Billion by 2032, exhibiting a growth rate (CAGR) of 12.5% during 2024-2032. Collaborations with other fintech services to create a more comprehensive financial ecosystem are propelling the market.
Major Market Drivers: The easy availability of smartphone connections, along with the growing penetration of high-speed internet, is catalyzing the market.
Key Market Trends: The rising need for personalizing user interfaces and experiences is acting as a significant growth-inducing factor. Additionally, the increasing number of small and medium-sized enterprises (SMEs) seeking funding is further stimulating the market.
Competitive Landscape: Some of the prominent companies in the global market include Black Knight Inc., Finastra, FIS, Fiserv Inc., Intellect Design Arena Ltd, Intercontinental Exchange Inc., Nucleus Software Exports Ltd., Pegasystems Inc., Roostify Inc., Tavant Technologies, and Wipro Limited, among many others.
Geographical Trends: North America exhibits a clear dominance in the market, owing to the widespread emphasis on digital automation.
Challenges and Opportunities: One of the limitations hindering the market is the lack of standardized credit assessment criteria. However, the implementation of uniform data verification practices is anticipated to fuel the market over the forecasted period.
Growing Focus on User Experience
The inflating emphasis on personalization is stimulating the market. Moreover, various platforms are leveraging advanced technologies to offer streamlined application processes, intuitive interfaces, and customized loan products tailored to individual borrower needs. For example, in May 2024, PhonePe introduced its secured digital lending platform within the PhonePe app, which enables approximately 535 million registered users to access loans across six separate categories, including gold loans, mutual fund loans, car loans, etc.
Rising Regulatory Support
The launch of favorable policies by regulatory bodies to maintain the integrity of the financial system, protect consumers, promote innovation, etc., is escalating the digital lending platform market demand. For example, in June 2024, Salesforce unveiled its digital lending platform to empower government agencies and public sector organizations in India to enhance citizen experiences. Besides this, the implementation of data privacy laws is inflating the popularity of platforms, such as Temenos and Finastra.
Expanding Alternative Channels
The growing number of fintech startups is acting as a significant growth-inducing factor. Additionally, alternative lending channels offer more diverse and accessible financing options outside traditional banking institutions. Consequently, they are gaining extensive traction across the globe. For instance, in March 2024, Epic River, one of the providers that connects financial institutions with healthcare providers to streamline patient payments, developed its comprehensive digital lending platform specifically tailored for credit unions.
IMARC Group provides an analysis of the key trends in each segment of the market, along with the digital lending platform market forecast at the global, regional, and country levels for 2024-2032. Our report has categorized the market based on the type, component, deployment model, and industry vertical.
Loan Origination
Decision Automation
Collections and Recovery
Risk and Compliance Management
Others
Loan origination dominates the market
The report has provided a detailed breakup and analysis of the market based on the type. This includes loan origination, decision automation, collections and recovery, risk and compliance management, and others. According to the report, loan origination represented the largest market segmentation.
Loan origination involves the creation, processing, and approval of new applications. For example, platforms like SoFi and LendingClub offer comprehensive digital solutions that enhance data collection, simplify processes, accelerate approval times through advanced algorithms, etc.
Solutions
Services
Solutions currently hold the majority of the total digital lending platform market share
The report has provided a detailed breakup and analysis of the market based on the component. This includes solutions and services. According to the report, solutions represented the largest market segmentation.
Solutions are pivotal in modernizing the lending landscape by improving accuracy and increasing operational efficiency. For instance, Finastra's Fusion Loan IQ provides a comprehensive suite for financial institutions to manage complex lending processes efficiently.
On-premises
Cloud-based
On-premises holds the majority of the global digital lending platform market revenue
The report has provided a detailed breakup and analysis of the market based on the deployment model. This includes on-premises and cloud-based. According to the report, on-premises represented the largest market segmentation.
An on-premises digital lending platform is installed and operated within an organization's own IT infrastructure. One of the examples is FIS's loan origination system, which provides a robust on-premises solution for managing the complete loan lifecycle.
Banks
Insurance Companies
Credit Unions
Savings and Loan Associations
Peer-to-Peer Lending
Others
Banks dominate the digital lending platform market statistics
The report has provided a detailed breakup and analysis of the market based on the industry vertical. This includes banks, insurance companies, credit unions, savings and loan associations, peer-to-peer lending, and others. According to the report, banks represented the largest market segmentation.
The rising need among banks for streamlining and enhancing the traditional lending process is augmenting the segment. For instance, Temenos Infinity offers a comprehensive solution that enables banks to manage the entire loan lifecycle.
North America
United States
Canada
Asia-Pacific
China
Japan
India
South Korea
Australia
Indonesia
Others
Europe
Germany
France
United Kingdom
Italy
Spain
Russia
Others
Latin America
Brazil
Mexico
Others
Middle East and Africa
North America exhibits a clear dominance in the market
The digital lending platform market research report has also provided a comprehensive analysis of all the major regional markets, which include North America (the United States and Canada); Asia Pacific (China, Japan, India, South Korea, Australia, Indonesia, and others); Europe (Germany, France, the United Kingdom, Italy, Spain, Russia, and others); Latin America (Brazil, Mexico, and others); and the Middle East and Africa. According to the report, North America accounted for the largest market share.
The regional market is primarily bolstered due to the inflating popularity of peer-to-peer lending platforms. This can be attributed to the increasing opportunity to diversify the portfolios of investors. According to the IMARC, the United States peer-to-peer lending platforms market size is projected to exhibit a growth rate (CAGR) of about 14% during 2024-2032.
The elevating incorporation of advanced technologies to improve aspects of lending is gaining popularity. These technologies can analyze vast amounts of data to make more accurate lending decisions and personalize loan offers based on individual profiles. They are also integrating blockchain technology, which is positively influencing the digital lending platform market outlook. Social media activity, transaction history, and other alternative data can provide a more comprehensive view of the creditworthiness of a borrower. These advancements also involve automating repetitive and rule-based tasks in the lending process.
Black Knight Inc.
Finastra
FIS
Fiserv Inc.
Intellect Design Arena Ltd
Intercontinental Exchange Inc.
Nucleus Software Exports Ltd.
Pegasystems Inc.
Roostify Inc.
Tavant Technologies
Wipro Limited.
(Please note that this is only a partial list of the key players, and the complete list is provided in the report.)
June 2024: Salesforce unveiled its digital lending platform to empower government agencies and public sector organizations in India to enhance citizen experiences.
May 2024: PhonePe introduced its secured digital lending platform within the PhonePe app, which enables approximately 535 million registered users to access loans across six separate categories, including gold loans, mutual fund loans, car loans, etc.
March 2024: Epic River, one of the providers that connect financial institutions with healthcare providers to streamline patient payments, developed its comprehensive digital lending platform specifically tailored for credit unions.