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市場調查報告書
商品編碼
2024575
智慧投顧市場報告:經營模式、服務類型、提供者、最終用戶和地區分類(2026-2034 年)Robo Advisory Market Report by Business Model, Service Type, Provider, End User (Retail Investor, High Net Worth Individuals ), and Region 2026-2034 |
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2025年,全球智慧投顧市場規模達147億美元。展望未來,IMARC Group預測,到2034年,該市場規模將達到956億美元,2026年至2034年的複合年成長率將達到22.42%。對便捷易用的金融解決方案日益成長的需求、持續的技術進步、數位轉型以及金融素養的提高是推動市場成長的主要因素。
智慧型手機用戶數量增加
智慧型手機用戶數量的成長是市場成長的主要驅動力之一。例如,根據Statista統計,2024年至2029年間,全球智慧型手機用戶數量預計將增加17億(+37.98%)。經過連續16年的成長,預計到2029年,智慧型手機用戶數將達到約62億,創歷史新高。隨著智慧型手機普及,人們對隨時隨地使用的金融服務的需求也日益成長。智慧投顧應用程式使用戶能夠全年365天、每天24小時存取其投資組合,從而即時追蹤、管理和調整投資。預計這些因素將在未來幾年推動智慧投顧市場佔有率的擴大。
不斷發展的數位轉型產業
數位化轉型產業的蓬勃發展正在推動市場成長。例如,根據IMARC統計,2023年全球數位轉型市場規模達6,920億美元。展望未來,IMARC Group預測,到2032年,該市場規模將達到2.845兆美元,2024年至2032年的複合年成長率(CAGR)為16.9%。數位轉型使智慧投顧能夠整合人工智慧和機器學習演算法。這些演算法在提供個人化投資建議、最佳化投資組合和風險管理方面發揮著至關重要的作用。這些因素進一步積極影響智慧投顧市場的規模。
技術創新
人工智慧、機器學習和巨量資料分析的進步顯著提升了智慧投顧的能力。如今,它們能夠提供高度個人化的投資策略、自動再平衡和稅務最佳化,使其成為精通技術的投資者的理想選擇。例如,Revolut 於 2024 年 2 月在歐洲經濟區 (EEA) 推出了智慧投顧服務,可根據消費者需求自動進行投資。 Revolut 的智慧投顧會根據使用者的個人情況(例如風險接受度和財務目標)分配投資組合。這些投資組合會根據市場波動自動進行再平衡,進而推動智慧投顧市場的成長。
The global robo advisory market size reached USD 14.7 Billion in 2025. Looking forward, IMARC Group expects the market to reach USD 95.6 Billion by 2034, exhibiting a growth rate (CAGR) of 22.42% during 2026-2034. Increased demand for accessible financial solutions, ongoing technological advancements, digital transformation, and expansion of financial literacy are primarily driving the market's growth .
Rising Number of Smartphones Users
The increasing number of smartphone users is one of the key factors driving the market's growth. For instance, according to Statista, between 2024 and 2029, the global number of smartphone users is expected to increase by 1.7 billion (+37.98%). After the sixteenth consecutive year of growth, the smartphone user base is expected to reach about 6.2 billion users, marking a new high in 2029. With more people owning smartphones, there's an increasing expectation for on-the-go financial services. Robo-advisory apps provide users with 24/7 access to their investment portfolios, enabling them to track, manage, and adjust investments in real time. These factors are expected to propel the robo advisory market share in the coming years.
Growing Digital Transformation Industry
The growing digital transformation industry is driving the market's growth. For instance, according to IMARC, the global digital transformation market size reached US $692 Billion in 2023. Looking forward, IMARC Group expects the market to reach US $2,845 Billion by 2032, exhibiting a growth rate (CAGR) of 16.9% during 2024-2032. Digital transformation has enabled robo-advisors to integrate AI and machine learning algorithms, which are key in delivering personalized investment advice, portfolio optimization, and risk management. These factors further positively influence the robo advisory market size.
Technological Innovations
The growth of artificial intelligence, machine learning, and big data analytics has significantly enhanced the capabilities of robo-advisors. They now offer highly personalized investment strategies, automated rebalancing, and tax optimization, making them a compelling choice for tech-savvy investors. For instance, in February 2024, Revolut launched the robo-advisor service in the EEA to automate investing based on consumer demands. Revolut's Robo-Advisor assigns a portfolio based on users' particular circumstances, such as risk tolerance and financial goals; the assigned portfolio will rebalance automatically as the market moves, thereby boosting the robo advisory market growth.
Hybrid robo advisors exhibit a clear dominance in the market
According to the market outlook, many investors, especially those with higher net worth or more complex financial needs, prefer having a human advisor to guide them. The hybrid model addresses this by combining automated investment strategies with human advisory services. It meets the desire for personalized attention while benefiting from low-cost automated management. Moreover, as financial markets become more complex and investors' needs more diversified, there is a rising demand for sophisticated, customized financial planning. Hybrid models offer a blend of algorithm-driven advice and human insight, which helps investors navigate these complexities more effectively.
Comprehensive wealth advisory holds the majority of the global market share
According to the robo advisory market overview, as individuals accumulate wealth, their financial situations become more complex. Factors like diversified income streams, business ownership, family trusts, international assets, and multi-generational planning require a comprehensive approach. This complexity drives the need for holistic advisory services that cover all aspects of wealth management. Moreover, investors are increasingly concerned about long-term goals such as retirement, healthcare, and legacy planning. Comprehensive wealth advisory services provide integrated solutions that align with these long-term goals, including risk management, tax optimization, and diversified investments.
Fintech robo advisors represent the largest market share
One of the primary demand drivers for fintech robo-advisors is their ability to offer low-cost investment solutions. Compared to traditional wealth management services, robo-advisors provide access to professionally managed portfolios at a fraction of the cost. This affordability appeals particularly to younger investors and those just starting their investment journeys. Moreover, millennials and Gen Z are tech-savvy generations with a strong preference for digital solutions. They value convenience, transparency, and low costs, all of which are core features of fintech robo-advisors. As these younger demographics increase their investment activity, the demand for robo-advisory services is expected to rise further.
High net worth individuals (HNIs) account for the majority of the global market share
HNIs are attracted to the cost-efficiency of robo-advisors, especially when managing large portfolios. Traditional wealth management services often come with high fees, but robo-advisors typically charge lower fees while providing transparent pricing models. This cost advantage is appealing to HNIs who seek to optimize expenses and improve net returns. Moreover, robo-advisors are increasingly incorporating advanced portfolio strategies and diversified investment options, including exposure to alternative assets like real estate, private equity, and hedge funds. This expansion of investment choices appeals to HNIs who are looking for sophisticated investment strategies that align with their risk appetite and financial goals.
North America currently dominates the global market
The 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 currently dominates the global market.
According to the market statistics, North America, particularly the U.S. and Canada, has a high rate of digital adoption and technological infrastructure. With advancements in AI, machine learning, and big data analytics, robo-advisors have become more efficient, providing personalized and automated investment solutions. This technological ecosystem has accelerated the adoption of digital financial services in the region. Moreover, the growing familiarity with and trust in digital financial services have contributed significantly to the growth of robo-advisors in North America. As consumers become more comfortable with online banking, digital payments, and fintech solutions, they are increasingly open to using automated investment platforms for managing their wealth.
The market research report has provided a comprehensive analysis of the competitive landscape. Detailed profiles of all major market companies have also been provided. Some of the key players in the market include: