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金融科技

市場調查報告書

商品編碼

1729303

2025-2033年日本金融科技市場部署模式、技術、應用、最終用戶和地區報告

Japan Fintech Market Report by Deployment Mode, Technology, Application, End User, and Region 2025-2033

出版日期: 2025年05月01日 | 出版商:

IMARC | 英文 122 Pages | 商品交期: 5-7個工作天內

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簡介目錄

2024年，日本金融科技市場規模達92億美元。展望未來， IMARC Group預計到2033年市場規模將達到302億美元，2025-2033年期間的成長率（CAGR）為14.1%。推出有利於金融科技公司發展同時又能維持金融穩定的法規、消費者對便捷高效金融服務日益成長的需求以及持續的技術進步是推動市場發展的一些關鍵因素。

Fintech 是金融科技的簡稱，是指利用現代科技來改善和創新傳統金融服務。透過利用軟體和演算法，金融科技使公司和消費者能夠更有效率、更低成本地管理財務營運。該行業經歷了顯著成長，涵蓋了各種服務，包括手機銀行、線上投資、點對點借貸和數位支付。透過金融科技，消費者可以透過數位平台輕鬆取得金融資訊、執行交易並監控投資。企業受益於簡化的流程和增強的資料分析，從而做出更好的決策。監理科技（RegTech）對於金融科技也至關重要，可確保遵守金融法規。它使金融服務更加民主化，使更廣泛的受眾能夠享受金融服務，同時也推動了產業競爭，從而提供更好的產品和服務。它的持續發展有望塑造金融業的未來，使其更具回應能力、透明度和用戶友善性。金融科技的興起雖然帶來了許多優勢，但也帶來了網路安全問題和監管問題等挑戰。儘管如此，金融科技仍然是全球金融格局中的一股變革力量，促進創新並推動金融包容性。

日本金融科技市場趨勢：

在支持性監管框架的推動下，日本金融科技產業實現了強勁成長。日本政府積極擁抱金融創新，推出法規促進金融科技公司的發展，同時維持金融穩定。這鼓勵了傳統銀行和金融科技新創公司之間的合作。同時，消費者對便利、高效的金融服務的需求不斷成長，極大地促進了該行業的擴張。行動支付、數位錢包和網路銀行平台的出現反映了這一趨勢，滿足了技術嫻熟的人群不斷變化的需求。此外，投資和合作在塑造產業方面也發揮著至關重要的作用。日本許多金融機構投資或與金融科技新創公司合作，以增強其技術能力。此次合作促進了創新，推動了新產品和服務的開發，加速了該國金融科技生態系統的發展。此外，技術進步是另一個重要驅動力，人工智慧 (AI)、機器學習、區塊鏈和資料分析的發展為尖端金融解決方案鋪平了道路。這些技術可以創建個人化服務、增強安全措施並提高效率，對消費者和企業都具有吸引力。除此之外，日本政府大力推動無現金社會，特別是為奧運等全球性盛事做準備，推動了數位支付的採用。為無現金交易提供稅收優惠等措施有助於推動這一轉變。同時，日本經濟的全球化也需要更複雜的跨國金融解決方案，為專門從事國際支付和匯款的金融科技公司創造了機會。

日本金融科技市場區隔：

部署模式洞察：

本地
基於雲端

技術洞察：

應用程式介面
人工智慧
區塊鏈
機器人流程自動化
數據分析
其他

應用程式洞察：

付款和資金轉賬
貸款
保險及個人理財
財富管理
其他

最終用戶洞察：

銀行業
保險
證券
其他

本報告回答的關鍵問題：

日本金融科技市場迄今表現如何？未來幾年將如何表現？
新冠疫情對日本金融科技市場有何影響？
日本金融科技市場依部署模式如何分類？
日本金融科技市場在技術層面的分類是怎麼樣的？
日本金融科技市場按應用分類的分佈如何？
根據最終用戶，日本金融科技市場是如何分類的？
日本金融科技市場的價值鏈分為哪些階段？
日本金融科技的主要促進因素和挑戰是什麼？
日本金融科技市場的結構是怎麼樣的？主要參與者有哪些？
日本金融科技市場的競爭程度如何？

本報告回答的關鍵問題：

日本金融科技市場迄今表現如何？未來幾年將如何表現？
新冠疫情對日本金融科技市場有何影響？
日本金融科技市場依部署模式如何分類？
日本金融科技市場在技術層面的分類是怎麼樣的？
日本金融科技市場按應用分類的分佈如何？
根據最終用戶，日本金融科技市場是如何分類的？
日本金融科技市場的價值鏈分為哪些階段？
日本金融科技的主要促進因素和挑戰是什麼？
日本金融科技市場的結構是怎麼樣的？主要參與者有哪些？
日本金融科技市場的競爭程度如何？

The Japan fintech market size reached USD 9.2 Billion in 2024. Looking forward, IMARC Group expects the market to reach USD 30.2 Billion by 2033, exhibiting a growth rate (CAGR) of 14.1% during 2025-2033. The introduction of regulations that facilitate the growth of fintech companies while maintaining financial stability, the consumer's increasing demand for convenient and efficient financial services, and continuous technological advancements represent some of the key factors driving the market.

Fintech, short for financial technology, involves the use of modern technology to improve and innovate traditional financial services. By leveraging software and algorithms, fintech enables companies and consumers to manage financial operations more efficiently and at a lower cost. This sector has experienced significant growth and encompasses various services, including mobile banking, online investing, peer-to-peer lending, and digital payments. Through fintech, consumers can easily access financial information, execute transactions, and monitor their investments, all through digital platforms. Businesses benefit from streamlined processes and enhanced data analytics, leading to better decision-making. Regulatory technology, or RegTech, is also essential to fintech, ensuring compliance with financial laws and regulations. It has democratized financial services by making them more accessible to a broader audience and has also driven competition in the industry, leading to better products and services. Its continued evolution is expected to shape the future of the financial industry, making it more responsive, transparent, and user-friendly. While the rise of fintech has brought about several advantages, it poses challenges, such as cybersecurity concerns and regulatory issues. Nevertheless, fintech remains a transformative force in the global financial landscape, fostering innovation and facilitating financial inclusion.

Japan Fintech Market Trends:

The Japan fintech industry has witnessed robust growth, driven by the supportive regulatory framework. The Japanese government has actively embraced financial innovation, introducing regulations that facilitate the growth of fintech companies while maintaining financial stability. This encourages collaboration between traditional banks and fintech startups. Along with this, the consumer's increasing demand for convenient and efficient financial services has significantly contributed to the industry's expansion. The emergence of mobile payments, digital wallets, and online banking platforms reflects this trend, meeting the evolving needs of the tech-savvy population. In addition, investments and partnerships play an essential role in shaping the industry as well. Many financial institutions in Japan invest in or collaborate with fintech startups to enhance their technology capabilities. This cooperation promotes innovation and leads to the development of new products and services, accelerating the growth of the fintech ecosystem in the country. Moreover, technology advancements are another vital driver, with developments in artificial intelligence (AI), machine learning, blockchain, and data analytics paving the way for cutting-edge financial solutions. These technologies enable the creation of personalized services, enhance security measures, and improve efficiency, thus appealing to both consumers and businesses. Apart from this, the Japanese government's push towards a cashless society, particularly in preparation for global events like the Olympics, has fueled the adoption of digital payments. Initiatives such as offering tax incentives for cashless transactions have helped in promoting this transition. In confluence with this, the globalization of the Japanese economy has also necessitated more sophisticated cross-border financial solutions, creating opportunities for fintech companies specializing in international payments and remittances.

Japan Fintech Market Segmentation:

Deployment Mode Insights:

On-premises
Cloud-based

Technology Insights:

Application Programming Interface
Artificial Intelligence
Blockchain
Robotic Process Automation
Data Analytics
Others

Application Insights:

Payment and Fund Transfer
Loans
Insurance and Personal Finance
Wealth Management
Others

End User Insights:

Banking
Insurance
Securities
Others

Competitive Landscape:

The report has also provided a comprehensive analysis of the competitive landscape in the market. Competitive analysis such as market structure, key player positioning, top winning strategies, competitive dashboard, and company evaluation quadrant has been covered in the report. Also, detailed profiles of all major companies have been provided.

Key Questions Answered in This Report:

How has the Japan fintech market performed so far and how will it perform in the coming years?
What has been the impact of COVID-19 on the Japan fintech market?
What is the breakup of the Japan fintech market on the basis of deployment mode?
What is the breakup of the Japan fintech market on the basis of technology?
What is the breakup of the Japan fintech market on the basis of application?
What is the breakup of the Japan fintech market on the basis of end user?
What are the various stages in the value chain of the Japan fintech market?
What are the key driving factors and challenges in the Japan fintech?
What is the structure of the Japan fintech market and who are the key players?
What is the degree of competition in the Japan fintech market?

1 Preface

2 Scope and Methodology

2.1 Objectives of the Study
2.2 Stakeholders
2.3 Data Sources
- 2.3.1 Primary Sources
- 2.3.2 Secondary Sources
2.4 Market Estimation
- 2.4.1 Bottom-Up Approach
- 2.4.2 Top-Down Approach
2.5 Forecasting Methodology

3 Executive Summary

4 Japan Fintech Market - Introduction

4.1 Overview
4.2 Market Dynamics
4.3 Industry Trends
4.4 Competitive Intelligence

5 Japan Fintech Market Landscape

5.1 Historical and Current Market Trends (2019-2024)
5.2 Market Forecast (2025-2033)

6 Japan Fintech Market - Breakup by Deployment Mode

6.1 On-premises
- 6.1.1 Overview
- 6.1.2 Historical and Current Market Trends (2019-2024)
- 6.1.3 Market Forecast (2025-2033)
6.2 Cloud-based
- 6.2.1 Overview
- 6.2.2 Historical and Current Market Trends (2019-2024)
- 6.2.3 Market Forecast (2025-2033)

7 Japan Fintech Market - Breakup by Technology

7.1 Application Programming Interface
- 7.1.1 Overview
- 7.1.2 Historical and Current Market Trends (2019-2024)
- 7.1.3 Market Forecast (2025-2033)
7.2 Artificial Intelligence
- 7.2.1 Overview
- 7.2.2 Historical and Current Market Trends (2019-2024)
- 7.2.3 Market Forecast (2025-2033)
7.3 Blockchain
- 7.3.1 Overview
- 7.3.2 Historical and Current Market Trends (2019-2024)
- 7.3.3 Market Forecast (2025-2033)
7.4 Robotic Process Automation
- 7.4.1 Overview
- 7.4.2 Historical and Current Market Trends (2019-2024)
- 7.4.3 Market Forecast (2025-2033)
7.5 Data Analytics
- 7.5.1 Overview
- 7.5.2 Historical and Current Market Trends (2019-2024)
- 7.5.3 Market Forecast (2025-2033)
7.6 Others
- 7.6.1 Historical and Current Market Trends (2019-2024)
- 7.6.2 Market Forecast (2025-2033)

8 Japan Fintech Market - Breakup by Application

8.1 Payment and Fund Transfer
- 8.1.1 Overview
- 8.1.2 Historical and Current Market Trends (2019-2024)
- 8.1.3 Market Forecast (2025-2033)
8.2 Loans
- 8.2.1 Overview
- 8.2.2 Historical and Current Market Trends (2019-2024)
- 8.2.3 Market Forecast (2025-2033)
8.3 Insurance and Personal Finance
- 8.3.1 Overview
- 8.3.2 Historical and Current Market Trends (2019-2024)
- 8.3.3 Market Forecast (2025-2033)
8.4 Wealth Management
- 8.4.1 Overview
- 8.4.2 Historical and Current Market Trends (2019-2024)
- 8.4.3 Market Forecast (2025-2033)
8.5 Others
- 8.5.1 Historical and Current Market Trends (2019-2024)
- 8.5.2 Market Forecast (2025-2033)

9 Japan Fintech Market - Breakup by End User

9.1 Banking
- 9.1.1 Overview
- 9.1.2 Historical and Current Market Trends (2019-2024)
- 9.1.3 Market Forecast (2025-2033)
9.2 Insurance
- 9.2.1 Overview
- 9.2.2 Historical and Current Market Trends (2019-2024)
- 9.2.3 Market Forecast (2025-2033)
9.3 Securities
- 9.3.1 Overview
- 9.3.2 Historical and Current Market Trends (2019-2024)
- 9.3.3 Market Forecast (2025-2033)
9.4 Others
- 9.4.1 Historical and Current Market Trends (2019-2024)
- 9.4.2 Market Forecast (2025-2033)

10 Japan Fintech Market - Competitive Landscape

10.1 Overview
10.2 Market Structure
10.3 Market Player Positioning
10.4 Top Winning Strategies
10.5 Competitive Dashboard
10.6 Company Evaluation Quadrant

11 Profiles of Key Players

11.1 Company A
- 11.1.1 Business Overview
- 11.1.2 Services Offered
- 11.1.3 Business Strategies
- 11.1.4 SWOT Analysis
- 11.1.5 Major News and Events
11.2 Company B
- 11.2.1 Business Overview
- 11.2.2 Services Offered
- 11.2.3 Business Strategies
- 11.2.4 SWOT Analysis
- 11.2.5 Major News and Events
11.3 Company C
- 11.3.1 Business Overview
- 11.3.2 Services Offered
- 11.3.3 Business Strategies
- 11.3.4 SWOT Analysis
- 11.3.5 Major News and Events
11.4 Company D
- 11.4.1 Business Overview
- 11.4.2 Services Offered
- 11.4.3 Business Strategies
- 11.4.4 SWOT Analysis
- 11.4.5 Major News and Events
11.5 Company E
- 11.5.1 Business Overview
- 11.5.2 Services Offered
- 11.5.3 Business Strategies
- 11.5.4 SWOT Analysis
- 11.5.5 Major News and Events

12 Japan Fintech Market - Industry Analysis

12.1 Drivers, Restraints and Opportunities
- 12.1.1 Overview
- 12.1.2 Drivers
- 12.1.3 Restraints
- 12.1.4 Opportunities
12.2 Porters Five Forces Analysis
- 12.2.1 Overview
- 12.2.2 Bargaining Power of Buyers
- 12.2.3 Bargaining Power of Suppliers
- 12.2.4 Degree of Competition
- 12.2.5 Threat of New Entrants
- 12.2.6 Threat of Substitutes
12.3 Value Chain Analysis