![]() |
市場調查報告書
商品編碼
1832083
2025 年至 2033 年金融科技人工智慧市場規模、佔有率、趨勢及預測(按類型、部署模式、應用和地區)AI in Fintech Market Size, Share, Trends and Forecast by Type, Deployment Model, Application, and Region, 2025-2033 |
2024 年,全球金融科技人工智慧市場規模為 176.4 億美元。展望未來, IMARC Group估計,到 2033 年,市場規模將達到 977 億美元,2025-2033 年期間的複合年成長率為 19.90%。北美目前佔據市場主導地位,2024 年的市佔率將超過 36.8%。科技的快速進步、法規遵循需求的不斷成長、個人化服務需求的不斷成長、金融科技廣泛採用人工智慧來降低金融風險、網路詐騙發生率的不斷上升以及金融科技擴大利用人工智慧來實現財務流程自動化,這些都是推動金融科技人工智慧市場成長的主要因素。
全球金融科技市場對人工智慧的需求不斷成長,這驅動著人們對自動化、增強客戶體驗和價格合理的金融服務的需求。巨量資料分析和雲端運算為詐欺偵測、風險管理和個人化銀行解決方案等高階人工智慧應用鋪平了道路。監管機構對數位化變革的支持,以及人工智慧聊天機器人和機器人顧問的日益普及,也在推動該市場的成長方面發揮關鍵作用。此外,對即時決策和金融交易安全性提升的需求,也進一步擴大了人工智慧在金融科技市場的佔有率。金融科技新創公司和傳統銀行都在投資人工智慧以保持競爭力,而智慧型手機普及率的提高和數位支付趨勢的上升也為人工智慧驅動的解決方案創造了新的機會。 2025年1月6日,Accel推出了第八支基金,規模達6.5億美元,用於投資印度和東南亞地區。該基金主要關注人工智慧、金融科技和製造業領域的早期公司。 Accel 尤其專注於支援以人工智慧為基礎的金融科技創新,例如數位財富管理、金融科技基礎設施和數位分銷解決方案。憑藉近 30 億美元的總投資承諾,Accel 已做好準備,在蓬勃發展的 8 兆美元經濟體中引領下一代人工智慧驅動的金融創新。
美國作為關鍵區域市場脫穎而出,主要原因是市場對數據驅動型金融解決方案的需求不斷成長,這些解決方案旨在提高效率並降低營運成本。數位銀行和行動支付平台的激增正在加速人工智慧在詐欺預防、信用評分和演算法交易方面的應用。一項2024年的全國性調查顯示,55%的美國銀行客戶更喜歡使用行動應用程式而非其他銀行管道,其中Z世代(64%)和千禧世代(68%)在數位化應用程式方面處於領先地位。高達96%的受訪者對其銀行的數位體驗評價為「良好」或更高,顯示出極高的消費者信心。隨著人工智慧重新定義金融科技領域,所有這些趨勢都凸顯了美國市場對客製化和智慧銀行體驗日益成長的前景。人工智慧在大型科技公司和金融機構中獲得了顯著發展,這主要歸功於其在提高合規性和自動化後台功能方面的能力。此外,日益複雜的金融法規要求實施基於人工智慧的解決方案進行即時監控和報告。此外,金融科技領域的競爭激烈,以及消費者對即時、智慧服務的需求,推動了人工智慧在貸款、財富管理和保險領域的廣泛應用。
快速的技術進步
人工智慧與金融科技的融合深受持續技術進步的影響。同時,機器學習 (ML) 演算法的整合有助於改善巨量資料分析並拓展其在金融領域的潛在應用,從而促進市場成長。此外,這些創新能夠高速且準確地處理和解讀大量資料,提供即時洞察和自動化功能。此外,量子運算和雲端技術的發展進一步增強了複雜金融建模所需的運算能力,推動了金融科技領域人工智慧市場的成長。根據 Quantum Gov 報導,美國能源部新投資 6,500 萬美元用於量子運算項目,這反映了這些新興技術在塑造眾多產業(尤其是金融科技)方面日益成長的重要性。此外,金融科技公司正在利用這些技術創建客製化銀行解決方案、自動化交易功能並以驚人的精度改進風險管理。此外,這些技術正在提高營運效率,並為新產品和服務的創造打開大門。
監理合規需求不斷成長
金融業在一系列複雜的法規下運作,這些法規因司法管轄區而異。遵守這些法規不僅是強制性的,而且對於維護消費者信任和金融系統的整體完整性也至關重要。與此相符的是,金融科技中的人工智慧在確保法規遵循以及自動監控和分析數百萬筆交易以檢測異常或不遵守相關法律方面發揮著至關重要的作用。據IMARC Group稱,利用人工智慧實現監管合規的全球監管科技市場在 2024 年的價值為 158 億美元,預計到 2033 年將成長到 708 億美元,2025 年至 2033 年的複合年成長率為 18%。除此之外,結合自然語言處理 (NLP) 來解釋不斷變化的監管文本,確保金融機構始終了解最新要求,這對金融科技市場對人工智慧的需求產生了積極影響。此外,合規流程的自動化減少了人為錯誤的可能性,並使得對監管變化的反應更快、適應性更強。
個人化服務需求日益成長
消費者對金融等所有服務領域個人化服務的期望日益成長,這為市場提供了巨大的推動力。滿足這項需求需要人工智慧(AI)。人工智慧可以分析大量客戶資料,並確定每位客戶的偏好、消費習慣和財務需求。此外,人工智慧也用於為每位客戶設計合適的金融產品、優惠和建議。人工智慧使金融機構能夠提供個人化的投資策略或個人化的貸款方案,並提供不同程度的客製化服務。 2024年,全球利用人工智慧提供客戶服務的市場規模將達到69.5億美元,2025年至2033年的複合年成長率為20.4%,預計到2033年將達到444.9億美元。這表明,基於人工智慧的金融科技解決方案正在改變金融科技格局,為市場提供客製化的金融服務,並維持大規模的合規基準。此外,人工智慧的廣泛應用有助於提升客戶忠誠度、增加參與度並提升整體滿意度。因此,這進一步為金融科技市場中的人工智慧應用前景創造了積極的前景。
The global AI in fintech market size was valued at USD 17.64 Billion in 2024. Looking forward, IMARC Group estimates the market to reach USD 97.70 Billion by 2033, exhibiting a CAGR of 19.90% during 2025-2033. North America currently dominates the market, holding a significant market share of over 36.8% in 2024. The rapid technological advancements, rising demand for regulatory compliance, growing demand for personalized services, widespread adoption of AI in fintech to mitigate financial risks, increasing incidence of cyber fraud, and rising utilization of AI in fintech to automate financial processes are some of the major factors propelling the AI in fintech market growth.
The global artificial intelligence in the financial technology market is driven by an expanding requirement for automation, enhanced customer experiences, and affordable financial services. Big data analytics and cloud computing pave the way for advanced AI applications such as fraud detection, risk management, and personalized banking solutions. Regulatory support for digital change, as well as the rising adoption of AI-powered chatbots and robo-advisors, also play critical roles in driving the growth of this market. Additionally, the need for real-time decision-making and improved security in financial transactions are further expanding the AI in fintech market share. Fintech startups and traditional banks alike are investing in AI to stay competitive, while rising smartphone penetration and digital payment trends create new opportunities for AI-driven solutions. On 6th January'2025, Accel launched its eighth fund, which is worth USD 650 Million, for investments in India and Southeast Asia. The fund focuses heavily on early-stage companies in the areas of artificial intelligence, financial technology, and manufacturing. It is particularly interested in supporting innovations in AI-based fintech, such as digital wealth management, fintech infrastructure, and digital distribution solutions. With overall commitments nearing USD 3 Billion, Accel is well-positioned to lead the next generation of AI-driven financial innovation in an up-and-coming USD 8 Trillion economy.
The United States stands out as a key regional market, primarily driven by rising demand for data-driven financial solutions that enhance efficiency and reduce operational costs. The proliferation of digital banking and mobile payment platforms is accelerating AI adoption for fraud prevention, credit scoring, and algorithmic trading. A 2024 nationwide survey shows that 55% of United States bank customers prefer mobile apps to other channels of banking, with Generation Z (64%) and Millennials (68%) leading the way in digital adoption. A significant 96% of the sample assess their bank's digital experience as "good" or better, showing a very high level of consumer confidence. As artificial intelligence redefines the financial technology space, all these trends highlight the growing prospects for customized and smart banking experiences across the U.S. market. Artificial intelligence gained considerable momentum with large technology companies and financial institutions, mainly because of its power to improve compliance and automate back-office functions. Furthermore, the growing complexity of financial regulations demands the implementation of AI-based solutions for real-time monitoring and reporting. Additionally, the competitive market in the fintech sector, along with consumers' need for instant and intelligent services, drives the widespread use of AI across lending, wealth management, and insurance sectors.
The rapid technological advancements
The integration of AI in fintech is heavily influenced by ongoing technological advancements. In line with this, the integration of machine learning (ML) algorithms to refine big data analytics and expand its potential applications within the financial sector is enhancing the market growth. Furthermore, these innovations enable the accurate processing and interpretation of vast amounts of data at high speeds, providing real-time insights and automation capabilities. Moreover, the development of quantum computing and cloud technologies, which further enhance the computational power necessary for complex financial modeling, is fueling the AI in fintech market growth. As per Quantum Gov, the new investment of USD 65 million by the U.S. Department of Energy for quantum computing initiatives reflects the mounting relevance of these emerging technologies in shaping numerous industries, more notably fintech. In addition, fintech companies are leveraging these technologies to create custom banking solutions, automate trading functions, and improve risk management with stunning precision. Moreover, these technologies are improving operational efficiency and also opening doors to the creation of new products and services.
The rising demand for regulatory compliance
The financial industry operates under a complex set of regulations that vary across jurisdictions. Compliance with these regulations is not just mandatory but also critical to maintaining consumer trust and the overall integrity of the financial system. In line with this, AI in fintech plays a vital role in ensuring regulatory compliance and automatically monitoring and analyzing millions of transactions to detect anomalies or non-compliance with relevant laws. According to IMARC Group, the global RegTech market, which leverages AI for regulatory compliance, was valued at USD 15.8 Billion in 2024 and is projected to grow to USD 70.8 Billion by 2033, exhibiting a CAGR of 18% from 2025 to 2033. Along with this, the integration of natural language processing (NLP) to interpret the ever-changing regulatory texts, ensuring that financial institutions are always up-to-date with the latest requirements, is positively influencing the AI in fintech market demand. Additionally, the automation of compliance processes reduces the potential for human error and enables a more responsive and adaptable approach to regulatory changes.
The growing demand for personalized services
Rising consumer expectation for personalization across all service sectors, such as finance, provides great market impetus. Meeting this demand requires AI, which analyses lots of customer data and determines the preferences, spending habits, and financial needs of each customer. Furthermore, it is used to design appropriate financial products, offers, and advice for each customer. AI allows financial institutions to offer a personalized investment strategy or personalized offers on loans at levels of customization. The global market for the use of AI for providing the help of customer service, comes to USD 6.95 Billion in 2024, has a CAGR of 20.4% from 2025 to 2033, and reaches USD 44.49 Billion in 2033. This highlights that AI-based fintech solutions are transforming the fintech landscape by furnishing a marketplace with tailored financial services and maintaining a benchmark of regulatory compliance at scale. Apart from this, the widespread utilization of AI is aiding in enhancing customer loyalty, increasing engagement, and improving overall satisfaction. Therefore, this is further creating a positive AI in fintech market outlook.
Solutions stand as the largest component in 2024, holding around 66.6% of the market. The demand for AI solutions is increasing in the market as they are designed to resolve different issues in the financial sector, including fraud detection, risk control, and customer service improvement, among others. These solutions provide customer-specific services that affect customer engagement and customer satisfaction. In addition, they help in understanding customer behavior as well as anticipating the customers' needs, which in turn helps in designing customized items and services. In addition, AI solutions are programmed to be seamlessly integrated into the existing financial systems so that organizations can implement AI with the least disruption, thereby minimizing resistance and gaining acceptance. Furthermore, these solutions can grow to accommodate businesses' need and the changes made in the market without requiring companies to add significant costs to technology. In addition, AI solutions help with cost efficiency through routine task automation and streamlining operational processes.
Cloud-based leads the market with around 75.7% of market share in 2024. They are cloud-based models that offer a cost-efficient alternative with minimized reliance on the physical infrastructure, leading to the switch of the management to operational expenditure. They also enable financial institutions to scale the AI apps in accordance with demand fluctuations effortlessly. These cloud-based AI solutions, in addition, provide an opportunity at any location to have access to the internet for any employee to work easily and collaborate in time with an employee at any place around the world. They support swift implementation and iteration, thereby giving financial institutions an edge in a fast-paced industry. In addition, many cloud providers enforce strong security methods and can match compliance requirements. Additionally, cloud AI solutions guarantee a more seamless integration of existing systems and cloud services, thus granting businesses from the field of finances the opportunity to work within one unified ecosystem of technologies without having to deal with a lot of customization or compatibility issues.
Fraud detection leads the market with around 34.6% of market share in 2024. The global AI in the fintech market shows fraud detection as its main application sector as financial crimes are becoming complex while companies urgently need security measures. The analytic systems using AI technologies detect fraudulent transactions more accurately than conventional approaches through their combination of machine learning analytics, behavioral analytics, and anomaly detection systems. The rise of digital payments, together with e-commerce and international transactions, now requires highly advanced fraud prevention technologies. The rising implementation of AI by financial institutions alongside fintech companies helps both entities achieve minimal false negatives as well as financial loss reduction in addition to maintaining conformity with rigorous regulatory standards. The utilization of AI, together with big data and cloud computing, enables organizations to predict threats better, which enables proactive threat management. The foremost segment in the AI fintech domain now focuses on AI-driven fraud detection as cybercriminals continuously develop complex strategies.
In 2024, North America accounted for the largest market share of over 36.8%. Many technology innovation centers cater to an environment of innovation and entrepreneurship for the development of AI technology in North America. Furthermore, the region has seen the increased investments in R&D efforts from the private and public sides to trigger technological development and facilitate the commercialization of AI in fintech. Besides this, where North America's financial industry has a good foothold, the well-established financial industry has helped the market to grow. Additionally, the favorable conditions for market growth include the regional governments imposing supportive policies and regulations to allow the application of the responsible use of AI. Furthermore, the market is growing due to the availability of talented specialists with a specialized character in AI, ML, and data science without difficulty.
United States AI in Fintech Market Analysis
In 2024, the US accounted for around 88.50% of the total North America AI in fintech market. The United States is at the forefront of applying advanced artificial intelligence in the fintech sector due to the presence of a large amount of digital infrastructure, high rates of fintech adoption, and significant institutional investment. AI is being adopted in banking, asset management, insurance, and lending services that are making operations much more efficient, more tailored to the customer's needs, and better at detecting fraud. Credit risk assessment and financial forecasting are being done using AI-driven algorithms. Increasing amounts of financial data and powerful cloud infrastructure, together with a growing demand for automated advisory services and intelligent customer engagement tools, are enhancing. All the while, the market is growing steadily and advancing in accordance with the advent of machine learning, natural language processing, as well as predictive analytics developed specifically for financial use. AI is being used in fintech platforms to fine-tune trading strategies, identify anomalies in real time, as well as maintain regulatory compliance. Using AI with mobile financial services is enhancing the user experience and opening market penetration to deeper levels. Additionally, the acceleration of strategic partnerships between financial institutions and AI technology providers is being accelerated. The U.S. National Science Foundation has also said it will invest USD 140 Million to develop seven new national artificial intelligence research institutes 'to ensure AI innovation throughout the country.
Europe AI in Fintech Market Analysis
With the advent of the digitalization of financial services and the pro-innovation regulatory framework in Europe, the development of AI in the fintech market is growing. As AI powers more simple humans to waves of prosperity, financial institutions are beginning to use it to improve customer experience, automate back office operations, and make better risk assessment decisions. AI integration with the financial platform is making the personalization more advanced and real-time data analysis. The increasing remarks regarding data privacy issues are motivating firms to go for manageable and secure AI models. Incorporating AI to onboard faster, give intelligent financial advice, and prevent fraud is the new discernible for financial platforms. The European Central Bank found that 64 percent of businesses believe AI will boost their productivity, which is a very positive sign, covering a great deal of confidence in using this technology in order to drive efficiency and results. In comparison, 40 percent of business owners describe growing technology dependence as worrying. Opening up the financial services industry to AI integrations is encouraged by regulatory initiatives that enhance broader open finance. Portfolio management is also getting better with the help of AI to make the overall transaction process better and more efficient in terms of cost. With the convergence of AI with advanced analytics, organizations are able to refine their strategic decision-making further.
Asia Pacific AI in Fintech Market Analysis
As part of the AI adoption journey, the Asia Pacific region is embraced by fintech using AI to personalize services, optimize underwriting, detect fraud, as well as provide efficient digital lending, wealth management, and mobile payment solutions. Big data is spooling up the accuracy of AI-driven insights within financial services. Chatbots, virtual assistants, or even algorithmic trading systems are also deployed by financial platforms in order to improve customer engagement and operational performance. This is causing AI to be increasingly adopted as more and more contactless, app-based financial transactions are rising. A key growth indicator comes from the National Payments Corporation of India, which states that India's fintech sector is projected to expand from USD 110 Billion in 2024 to USD 420 Billion over the next five years, with a CAGR of 31%, underscoring the region's rapid digital and financial transformation. Cloud-based AI tools are enabling agile innovation and helping fintech firms scale services across diverse markets.
Latin America AI in Fintech Market Analysis
AI is helping Latin America's fintech rapidly automate processes including customer onboarding, credit scoring, and transaction monitoring, among others, by helping with operational efficiency. Fintech platforms across the globe are offering more financial products and services with the inclusion of AI into the operations. More accurate risk assessment and better service delivery on digital platforms are being enabled through real-time analytics and intelligent automation. Additionally, fraud prevention is better, and customer interactions are improved via the adoption of AI tools. Yet, with the advancement of digitization in the field of financial services, there has been a rise to automate increasingly complex business processes in a very cost-effective manner and internally to optimize Human capital to ensure future survival while externally seeking revenue advantage. The International Trade Administration reports that the launch of the National Plan for AI in 2024, including about USD 4 Billion in funding for the development of the AI infrastructure and business innovation in Brazil, shows a strong regional commitment to increasing AI capabilities.
Middle East and Africa AI in Fintech Market Analysis
The Middle East and Africa demonstrate steady growth in the AI fintech market due to digital infrastructure development alongside escalating mobile financial operations. The adoption of AI technology automates financial operations. It enhances customer interaction and provides data-based choices through its demand for chatbots together with analytics systems and transaction monitoring tools which result from digital expansion. AI integration supports platform growth by providing better adaptation to changing customer requirements, which strengthens market performance.
Leading companies are grappling with the issue of emerging algorithms, techniques, and technologies to propel financial services efficiency, security, and customization. To foster innovation, they are making strategic alliances with fintech startups and technology companies to develop inventive responses and to take advantage of the opportunities offered by opportunities. Further, some high-profile game publishing companies are using predictive analytics and ML models to deliver customer behavior, market trends, and risk management intelligence. Additionally, many high-end market firms are creating personalized services and products for this purpose (customized banking, investment consulting, etc.) to be delivered in the categories mentioned above. Apart from this, major firms are making efforts towards developing transparent and impartial AI models and proactively working on ethical AI practices. They are also using AI to bring financial products to the unbanked using algorithms to either determine creditworthiness to some or extend financial literacy with AI-empowered solutions.