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市場調查報告書
商品編碼
1744437
融資生成AI的全球市場的評估:各部署方式,類別,各終端用戶,各地區,機會,預測(2018年~2032年)Global Generative AI in Lending Market Assessment, By Deployment Mode, By Type, By End-user, By Region, Opportunities and Forecast, 2018-2032F |
全球生成式人工智慧貸款市場規模預計將從2024年的25.8億美元增至2032年的82.7億美元,在2025-2032年預測期內,複合年增長率達15.67%,這得益於多重因素帶來的革命性擴張。主要推動因素之一是該技術能夠透過複雜的風險評估模型來改善信用決策,這些模型可以掃描現金流量模式、公用事業付款甚至行為指標等替代資料來源,從而實現比傳統評分方法更準確的預測。這項創新在普惠金融的背景下具有特殊價值,使貸款機構能夠在不損害其投資組合品質的情況下,為此前服務不足的借款人提供服務。第二大驅動力是貸款流程的自動化,人工智慧優化了申請處理、承保和詐欺偵測,將審批時間從幾天縮短到幾分鐘,並降低了營運成本。
新準則要求人工智慧具有可解釋性和演算法透明度,這迫使金融機構投資於符合高級法規的系統。消費者對客製化金融產品的偏好也推動了人工智慧的採用,生成式人工智慧實現了貸款的動態定價和還款條款的客製化。然而,資料隱私問題、實施成本以及缺乏熟練的人工智慧開發人員等威脅可能會暫時減緩其採用速度。隨著傳統銀行、金融科技新創公司和大型科技公司爭相部署這些解決方案,競爭格局正在升溫。隨著技術的成熟和更清晰的投資報酬率,預計該領域將進一步爆發式成長。
例如,2025年4月,LendingClub Corporation宣布從人工智慧驅動的支出智慧平台Cushion收購智慧財產權和精選人才。 Cushion 的人工智慧技術可以捕獲用戶的銀行和購買訊息,幫助他們追蹤發票、滿足付款期限、管理訂閱、建立信用、監控 BNPL(先買後付)貸款等。
本報告對全球生成式人工智慧貸款市場進行了深入分析,包括市場規模、預測、市場動態和主要參與者。
Global generative AI in lending market is projected to witness a CAGR of 15.67% during the forecast period 2025-2032, growing from USD 2.58 billion in 2024 to USD 8.27 billion in 2032F, owing to undergoing revolutionary expansion, driven by some key factors. One of the prime movers is the technology's capacity to improve credit decision-making via sophisticated risk evaluation models that scan alternative data sources such as cash flow patterns, utility payments, and even behavioral metrics, resulting in better forecasts compared to conventional scoring techniques. This innovation is of special value in the context of financial inclusion, enabling lenders to reach previously unserved borrowers without compromising portfolio quality. A second major contributor is lending process automation, where AI optimizes application processing, underwriting, and fraud detection, shortening approval times from days to minutes and lowering operating expenses.
The market is also driven by regulatory change, as emerging guidelines require explainable AI and algorithmic transparency, compelling lenders to invest in more advanced and compliant systems. Consumer preference for bespoke financial products is also driving adoption, with generative AI allowing dynamic pricing of loans and customized repayment terms. Yet threats such as data privacy issues, costs of implementation, and a lack of skilled AI developers to develop them will slow down the rate of adoption temporarily. The competitive environment is heating up as the old banks, fintech startups, and major tech companies all scramble to deploy these solutions, portending further explosive growth as the tech matures and shows more defined ROI.
For instance, in April 2025, LendingClub Corporation announced the acquisition of intellectual property and select talent behind Cushion, an AI-powered spending intelligence platform, providing a natural complement to LendingClub's suite of mobile financial products and experiences. Cushion's AI-powered technology ingests users' bank transactions and purchase information to help them track their bills, make on-time payments, manage subscriptions, build credit, and monitor buy now, pay later (BNPL) loans.
AI-Powered Risk Assessment and Fraud Detection
Generative AI is transforming lending by improving credit risk models above and beyond the conventional FICO scores (Fair Isaac Corporation Score). In contrast to rule-based systems, AI scans different data (such as cash flow patterns, rental payment history, and even social media indicators) to forecast borrower reliability more accurately. This change is beneficial for thin-file borrowers (those with sparse credit histories), allowing for financial inclusion while lowering default risks.
Further, fraud detection has been enhanced with AI capability to mimic synthetic patterns of fraud to enable lenders to detect suspicious applications before approval. For instance, generative models can generate adversarial attack simulations to subject loan systems to test against advancing fraud strategies.
For instance, in February 2025, ZestFinance Inc. (Zest AI), a provider of AI-based lending technology, made its AI-automated underwriting and fraud detection natively integrated into the Temenos Loan Origination solution. This integrated solution equips traditional lending institutions in the U.S. with advanced capabilities to enhance loan approvals while preserving high-quality risk management in a highly competitive environment.
The partnership brings with it two important benefits, Zest AI technology can view thousands of data points much more than classic credit models allowing for more efficient and accurate lending decisions. Also, the Zest Protect system detects fake applications in real time without interrupting customer experience, so institutions can tailor security levels to suit their risk appetite.
Regulatory Push for Ethical AI in Finance
As AI adoption grows, regulators are tightening oversight to prevent algorithmic bias and ensure fairness in lending decisions. The EU AI Act (2024) classifies AI-driven credit scoring as "high-risk," requiring lenders to provide transparent decision-making processes. Similarly, the U.S. Consumer Financial Protection Bureau (CFPB) has issued guidelines mandating explainable AI (XAI) in loan approvals. This regulatory pressure is accelerating demand for AI audit tools that ensure compliance with fair lending laws (e.g., the Equal Credit Opportunity Act). Companies are now investing in bias-detection algorithms and synthetic data generation to train models without historical discrimination risks.
According to a report by PYMNTS.com LLC, 72% of finance leaders report actively using AI in their operations, with its applications ranging from fraud detection (64%) to customer onboarding automation (42%).
Hyper-Personalized Loan Pricing and Dynamic Offerings
Generative AI facilitates real-time loan product customization based on understanding borrower behavior, macroeconomic forces, and even geopolitical factors that could affect repayment capability. In contrast to fixed pricing models, AI-based systems dynamically change interest rates, tenures of loans, and repayment terms. For example, a cash-flow variable income freelancer can be offered a cash-flow cycle-based flexible repayment schedule, while a salaried individual borrower may be offered a reduced APR in view of stable employment statistics. AI also assists lenders in forecasting prepayment risk and maximizing profitability.
For instance, in April 2025, Lake Trust Credit Union, a leading credit union serving 200,000 members and businesses throughout Michigan with over USD 2.5 billion in assets, announced its partnership with Upstart, the leading artificial intelligence (AI) lending marketplace, to offer personal loans to more consumers.
North America Leads Global Generative AI in Lending Market
North America, particularly the United States, has emerged as the global leader in the adoption and innovation of generative AI in lending. This dominance is fueled by a combination of strong venture capital investments, progressive regulatory frameworks, and advanced digital banking infrastructure. The region's fintech ecosystem has seen over USD 12 billion invested in AI-driven lending startups in 2023 alone, with major players like Upstart, LendingClub, and Zest AI securing significant funding to scale their AI underwriting models. Additionally, U.S. regulators have taken a proactive stance by introducing sandbox environments that allow fintech firms to test AI solutions in a controlled setting, accelerating innovation while ensuring compliance with fair lending laws.
For instance, in February 2025, ZestFinance Inc. (Zest AI) announced the launch of LuLu Pulse, the first module of Zest AI's Lending Intelligence Platform powered by generative AI that is now available for all credit unions. By integrating industry public data and institution-specific data for customization, LuLu Pulse serves as a centralized intelligence hub that consolidates multiple data sources into a single, authoritative platform. Credit unions can access intelligence to enhance their lending practices and credit risk management to make better lending decisions.
Impact of the U.S. Tariffs on Global Generative AI in the Lending Market
Most AI lending models are trained on NVIDIA GPUs. With tariffs increasing chip prices, fintech companies might find higher operational costs, and AI model development would take a slower pace. Large lenders leveraging AWS, Azure, or Google Cloud AI solutions might experience increased prices if cloud vendors pass the cost of tariffs to users.
Large banks (e.g., JPMorgan, Goldman Sachs) have the capacity to absorb tariff expenses, but small fintechs and startups can put AI implementation on hold based on budget. If tariffs increase AI infrastructure costs, companies will reduce experimental AI lending models, slowing developments such as real-time credit scoring.
Most AI chips are produced in China. Tariffs might break supply chains, slowing new deployment of AI lending technologies. Switching to alternative non-Chinese suppliers (e.g., Taiwan Semiconductor Manufacturing Co.) will take time, leading to stopgap shortages.
Key Players Landscape and Outlook
The global generative AI lending market is dominated by a mix of established fintech disruptors, traditional credit bureaus, and tech giants, each competing on distinct capabilities. Top players differentiate themselves through algorithmic superiority, regulatory compliance tools, and data network effects. The competitive landscape is intensifying as cloud providers offer AI lending APIs, lowering entry barriers for challenger fintechs. Market conditions favor vertically integrated players combining proprietary data with AI, like LendingClub's small business lending automation, while pure-play AI vendors face margin pressures due to rising GPU costs and talent wars. The outlook remains bullish as three strategic battlegrounds emerge, which include hyper-personalization (real-time loan customization), fraud prevention (generative AI simulating synthetic identity attacks), and embedded finance (API-driven lending in e-commerce/platforms). However, fragmented regulation and resource scarcity could consolidate dominance among well-capitalized incumbents, potentially stifling innovation. Winners will likely be those mastering hybrid AI-human underwriting models that balance automation with regulatory explainability demands.
For instance, in May 2025, Finastra, a global provider of financial services applications, and IBM unveiled their collaboration on an enhanced cloud-based lending managed services offering. Finastra's Lending Cloud Service (LCS) offers comprehensive and cost-effective services for its Corporate Lending solutions, Loan IQ, Trade Innovation and Corporate Channels, and is supported by IBM for Finastra clients in North America and Europe.
All segments will be provided for all regions and countries covered
Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work.