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1818091

全球機器人諮詢市場：未來預測（至 2032 年）—按經營模式、服務類型、提供者、最終用戶和地區進行分析

Robo-Advisory Market Forecasts to 2032 - Global Analysis By Business Model, Service Type, Provider, End User and By Geography
出版日期: | 出版商: Stratistics Market Research Consulting | 英文 200+ Pages | 商品交期: 2-3個工作天內

價格

根據 Stratistics MRC 的數據，全球機器人諮詢市場預計在 2025 年達到 84.5 億美元，到 2032 年將達到 478.5 億美元，預測期內的複合年成長率為 28.1%。

機器人顧問平台利用演算法和人工智慧，提供自動化、低成本的投資管理服務，無需人工理財顧問。這些服務包括根據個人風險狀況和投資目標建立投資組合、進行資產配置、資產再平衡和稅務最佳化。機器人顧問透過降低費用和最低投資要求，讓個人投資者也能輕鬆進行資產管理，從而實現資產管理的民主化。即時數據分析和預測模型有助於高效決策。在投資者行為和數位化應用趨勢不斷變化的背景下，對價格合理、透明且易於使用的金融服務的需求正在推動市場成長。

自營投資者的崛起

受金融知識水準提升和對獨立投資決策偏好日益成長的推動，自營投資者的崛起是機器人顧問市場的主要驅動力。千禧世代和精通科技的個人尤其青睞自動化、低成本的投資解決方案，這些解決方案提供演算法主導的投資組合管理，無需傳統財務顧問的協助。此外，數位平台的便利性和可近性也有助於提高採用率。此外，經濟不確定性和市場波動加速了對高效風險管理工具的需求，例如機器人顧問提供的工具。這些平台能夠即時調整投資組合併提供數據主導的洞察，進一步推動市場擴張。

對演算法透明度的擔憂

投資人往往對機器人諮詢平台不透明的決策流程心存疑慮。驅動投資策略的專有演算法通常缺乏清晰的揭露，這引發了那些要求課責和風險管理理解的用戶的信任問題。此外，全球法律規範並不一致，在合規要求和消費者保護方面造成了不確定性。此外，對演算法偏差及其在極端市場條件下表現的擔憂正在削弱投資者信心。

與數位銀行平台整合

隨著傳統銀行日益擁抱數位轉型，將機器人諮詢服務融入其生態系統可以增強客戶參與並擴大服務範圍。這種整合實現了將銀行服務與自動化投資解決方案相結合的無縫財務管理。此外，金融科技Start-Ups與成熟金融機構之間的夥伴關係促進了產品創新和市場滲透。此外，透過行動銀行應用程式提供機器人諮詢解決方案，可讓客戶方便地存取並即時監控投資組合。

與傳統財富管理公司的競爭

現有的金融顧問公司擁有強大的客戶關係、品牌信任度和專業知識，這使得自動化平台難以完全取代它們，尤其是在高淨值投資者群體中。此外，將人工顧問與自動化解決方案結合的混合模式正變得越來越普遍，進一步模糊了市場界限。技術的快速進步也使得平台需要持續升級，這需要大量的投資。資料隱私和網路安全威脅也十分嚴峻，資料外洩可能會損害消費者的信任。此外，景氣衰退可能會減少投資流量，並限制機器人顧問的成長。

COVID-19的影響：

由於封鎖和保持社交距離措施限制了傳統金融諮詢服務的獲取，新冠疫情加速了機器人顧問解決方案的普及。投資者擴大尋求投資組合管理的數位化替代方案，從而推動了短期市場成長。此外，疫情期間市場波動加劇，凸顯了對自動化風險調整策略的需求，並強化了機器人顧問的價值提案。然而，初期的挑戰包括市場不確定性加劇影響了演算法效能，以及對客戶支援的需求增加。此外，經濟動盪導致一些投資者撤資或減少投資活動。整體而言，疫情成為財富管理數位轉型的催化劑，並凸顯了自動化顧問平台的策略重要性。

混合型機器人顧問市場預計將成為預測期內最大的市場

混合型機器人顧問預計將在預測期內佔據最大的市場佔有率。混合型機器人顧問將演算法主導的投資管理與人工諮詢支援相結合，提供均衡的解決方案，滿足投資者的廣泛需求。這種方法既吸引精通科技的個人，也吸引尋求個人化建議的個人，彌合了全自動和傳統諮詢服務之間的差距。此外，透過整合人工判斷，混合模式解決了人們對演算法透明度的擔憂，並增強了投資者的信任。此外，具有競爭力的價格和更好的用戶體驗正在推動其進一步普及。

預計銀行和信用合作社部門在預測期內的複合年成長率最高

預計銀行和信用合作社領域將在預測期內實現最高成長率。隨著金融機構積極擁抱數位轉型，將機器人諮詢服務納入其客戶服務體係正成為一項策略重點。這將使銀行和信用合作社能夠在傳統銀行服務之外提供自動化投資解決方案，從而增強客戶參與和交叉銷售機會。此外，鼓勵數位金融服務的監管規定將進一步推動該領域的成長。此外，與獨立的機器人顧問公司相比，銀行的信任度和現有基本客群降低了採用該服務的門檻。

佔比最大的地區：

預計北美將在預測期內佔據最大的市場佔有率。該地區的主導地位歸功於其成熟的金融服務業、較早採用金融科技以及先進的數位基礎設施。尤其是美國，由於其較高的投資者認知度、智慧型手機普及率以及支持金融服務創新的法律規範，佔據領先地位。此外，總部位於北美的領先機器人諮詢公司的存在增強了其市場領導地位。此外，消費者對低成本自動化投資解決方案的需求補充了該地區強大的技術生態系統。

複合年成長率最高的地區：

預計亞太地區在預測期內的複合年成長率最高。快速的經濟成長、日益增強的數位化以及日益成長的金融包容性，正在推動印度、中國和東南亞國家等新興市場對自動化投資解決方案的需求。此外，蓬勃發展的中產階級和精通科技的年輕一代正在推動自動化投資解決方案的採用。此外，金融科技創新和對數位銀行的監管支持正在進一步加速市場擴張。一些國家傳統財富管理服務的存在感有限，為機器人顧問填補這一空白創造了機會。

提供免費客製化：

此報告的訂閱者可以使用以下免費自訂選項之一：

  • 公司簡介
    • 全面分析其他市場參與者（最多 3 家公司）
    • 主要企業的SWOT分析（最多3家公司）
  • 區域細分
    • 根據客戶興趣對主要國家進行的市場估計、預測和複合年成長率（註：基於可行性檢查）
  • 競爭基準化分析
    • 根據產品系列、地理分佈和策略聯盟對主要企業基準化分析

目錄

第1章執行摘要

第 2 章 簡介

  • 概述
  • 相關利益者
  • 分析範圍
  • 分析方法
    • 資料探勘
    • 數據分析
    • 數據檢驗
    • 分析方法
  • 分析材料
    • 主要研究資料
    • 二手研究資訊來源
    • 先決條件

第3章市場走勢分析

  • 驅動程式
  • 抑制因素
  • 市場機遇
  • 威脅
  • 最終用戶分析
  • 新興市場
  • COVID-19的感染疾病

第4章 波特五力分析

  • 供應商的議價能力
  • 買方議價能力
  • 替代產品的威脅
  • 新參與企業的威脅
  • 企業之間的競爭

第5章 全球機器人諮詢市場（依經營模式）

  • 純機器人顧問
  • 混合機器人顧問

6. 全球機器人諮詢市場（依服務類型）

  • 投資顧問
  • 資產管理
  • 退休計劃
  • 稅收損失收穫

7. 全球機器人諮詢市場（依提供者）

  • 金融科技公司
  • 銀行和信用合作社
  • 傳統資產管理公司

8. 全球機器人諮詢市場（依最終用戶分類）

  • 個人投資者
  • 高淨值人士（HNWI）
  • 中小企業、企業融資

9. 全球機器人諮詢市場（按地區）

  • 北美洲
    • 美國
    • 加拿大
    • 墨西哥
  • 歐洲
    • 德國
    • 英國
    • 義大利
    • 法國
    • 西班牙
    • 其他歐洲國家
  • 亞太地區
    • 日本
    • 中國
    • 印度
    • 澳洲
    • 紐西蘭
    • 韓國
    • 其他亞太地區
  • 南美洲
    • 阿根廷
    • 巴西
    • 智利
    • 南美洲其他地區
  • 中東和非洲
    • 沙烏地阿拉伯
    • 阿拉伯聯合大公國
    • 卡達
    • 南非
    • 其他中東和非洲地區

第10章：主要趨勢

  • 合約、商業夥伴關係和合資企業
  • 企業合併（M&A）
  • 新產品發布
  • 業務擴展
  • 其他關鍵策略

第11章 公司概況

  • Betterment
  • Wealthfront
  • Fidelity Investments
  • Acorns
  • Vanguard Group
  • Empower
  • Charles Schwab Corporation
  • Ally Invest
  • Wealthsimple
  • M1 Finance
  • E*TRADE
  • SoFi
  • SigFig
  • Ellevest
  • Merrill Guided Investing
  • Scalable Capital
Product Code: SMRC31054

According to Stratistics MRC, the Global Robo-Advisory Market is accounted for $8.45 billion in 2025 and is expected to reach $47.85 billion by 2032 growing at a CAGR of 28.1% during the forecast period. Robo-advisory platforms use algorithms and AI to provide automated, low-cost investment management services without human financial advisors. These services offer portfolio creation, asset allocation, rebalancing, and tax optimization based on individual risk profiles and investment goals. Robo-advisors democratize wealth management by making it accessible to retail investors with lower fees and minimum investment requirements. Real-time data analysis and predictive modeling enable efficient decision-making. Market growth is driven by the demand for affordable, transparent, and user-friendly financial services amid shifting investor behavior and digital adoption trends.

Market Dynamics:

Driver:

Rise of self-directed investors

The rise of self-directed investors significantly propels the Robo-Advisory Market, driven by increasing financial literacy and the growing inclination toward independent investment decision-making. Millennials and tech-savvy individuals, in particular, favor automated, low-cost investment solutions that offer algorithm-driven portfolio management without requiring a traditional financial advisor. Moreover, the convenience and accessibility of digital platforms contribute to heightened adoption rates. Additionally, economic uncertainties and volatile markets have accelerated the need for efficient risk management tools, which robo-advisors provide. These platforms enable real-time portfolio adjustments and data-driven insights, further fueling market expansion.

Restraint:

Algorithm transparency concerns

Investors often express skepticism over the opaque nature of the decision-making processes employed by robo-advisory platforms. The proprietary algorithms driving investment strategies typically lack clear disclosure, which raises trust issues among users seeking accountability and understanding of risk management. Moreover, regulatory frameworks remain inconsistent globally, creating uncertainty around compliance requirements and consumer protections. Additionally, concerns over algorithmic bias and performance during extreme market conditions diminish investor confidence.

Opportunity:

Integration with digital banking platforms

As traditional banks increasingly embrace digital transformation, embedding robo-advisory services within their ecosystems can enhance customer engagement and expand service offerings. This convergence enables seamless financial management, combining banking services with automated investment solutions. Additionally, partnerships between fintech startups and established financial institutions facilitate product innovation and market penetration. Moreover, offering robo-advisory solutions via mobile banking applications provides customers with convenient access and real-time portfolio monitoring.

Threat:

Competition from traditional wealth managers

Established financial advisory firms possess strong client relationships, brand trust, and expertise, making it challenging for automated platforms to fully displace them, especially among affluent investors. Furthermore, hybrid models combining human advisors and automated solutions gain traction, further blurring market boundaries. Additionally, rapid technological advancements necessitate continuous platform upgrades, demanding substantial investment. Data privacy and cybersecurity threats also loom large, with breaches potentially undermining consumer trust. Moreover, economic downturns may reduce investment flows, limiting robo-advisor growth.

Covid-19 Impact:

The COVID-19 pandemic accelerated the adoption of robo-advisory solutions as lockdowns and social distancing measures limited access to traditional financial advisory services. Investors increasingly sought digital alternatives for portfolio management, driving short-term market growth. Moreover, heightened market volatility during the pandemic underscored the need for automated risk-adjusted strategies, strengthening the value proposition of robo-advisors. However, initial challenges included increased market uncertainty impacting algorithm performance and heightened customer support demands. Additionally, economic disruptions led some investors to withdraw funds or reduce investment activity. Overall, the pandemic acted as a catalyst for digital transformation in wealth management, emphasizing the strategic importance of automated advisory platforms.

The hybrid robo-advisors segment is expected to be the largest during the forecast period

The hybrid robo-advisors segment is expected to account for the largest market share during the forecast period. Hybrid robo-advisors combine algorithm-driven investment management with human advisory support, providing a balanced solution that caters to a broad spectrum of investor needs. This approach appeals to both tech-savvy individuals and those seeking personalized advice, thereby bridging the gap between fully automated and traditional advisory services. Moreover, the hybrid model addresses concerns over algorithm transparency by integrating human judgment, enhancing investor confidence. Additionally, competitive pricing and enhanced user experience drive further adoption.

The banks and credit unions segment is expected to have the highest CAGR during the forecast period

Over the forecast period, the banks and credit unions segment is predicted to witness the highest growth rate. As financial institutions embrace digital transformation, embedding robo-advisory services into their customer offerings becomes a strategic priority. This adoption allows banks and credit unions to offer automated investment solutions alongside traditional banking services, enhancing customer engagement and cross-selling opportunities. Additionally, regulatory mandates encouraging digital financial services further catalyze growth in this segment. Moreover, the trust and existing customer base of banks lower barriers to adoption compared to standalone robo-advisory firms.

Region with largest share:

During the forecast period, the North America region is expected to hold the largest market share. The region's dominance stems from a mature financial services industry, early fintech adoption, and advanced digital infrastructure. The United States, in particular, leads due to high investor awareness, widespread smartphone penetration, and favorable regulatory frameworks supporting innovation in financial services. Additionally, the presence of major robo-advisory firms headquartered in North America strengthens market leadership. Moreover, consumer demand for low-cost, automated investment solutions complements the region's robust technological ecosystem.

Region with highest CAGR:

Over the forecast period, the Asia Pacific region is anticipated to exhibit the highest CAGR. Rapid economic growth, rising digital penetration, and increasing financial inclusion drive the demand for automated investment solutions in emerging markets such as India, China, and Southeast Asian countries. Additionally, a burgeoning middle-class population and tech-savvy younger generations fuel adoption. Moreover, regulatory support for fintech innovation and digital banking further accelerates market expansion. The limited presence of traditional wealth management services in some countries creates an opportunity for robo-advisors to fill this gap.

Key players in the market

Some of the key players in Robo-Advisory Market include Betterment, Wealthfront, Fidelity Investments, Acorns, Vanguard Group, Empower, Charles Schwab Corporation, Ally Invest, Wealthsimple, M1 Finance, E*TRADE, SoFi, SigFig, Ellevest, Merrill Guided Investing, and Scalable Capital.

Key Developments:

In June 2025, Betterment acquired Rowboat Advisors, a move designed to accelerate its platform for Registered Investment Advisors (RIAs), expanding its reach in the financial advisory space.

In September 2024, Vanguard announced a reduction in the minimum asset requirement for its Digital Advisor service from $3,000 to $100, making automated financial advice more accessible to a broader range of investors.

In August 2024, Fidelity Go was recognized as the Best Robo Advisor of 2024 in Barron's annual Best Robo-Advisors Ranking, based on an analysis conducted from April to June 2024.

Business Models Covered:

  • Pure Robo-Advisors
  • Hybrid Robo-Advisors

Service Types Covered:

  • Investment Advisory
  • Wealth Management
  • Retirement Planning
  • Tax-Loss Harvesting

Providers Covered:

  • Fintech Companies
  • Banks and Credit Unions
  • Traditional Wealth Managers

End Users Covered:

  • Retail Investors
  • High-Net-Worth Individuals (HNWIs)
  • SMEs and Corporate Treasuries

Regions Covered:

  • North America
    • US
    • Canada
    • Mexico
  • Europe
    • Germany
    • UK
    • Italy
    • France
    • Spain
    • Rest of Europe
  • Asia Pacific
    • Japan
    • China
    • India
    • Australia
    • New Zealand
    • South Korea
    • Rest of Asia Pacific
  • South America
    • Argentina
    • Brazil
    • Chile
    • Rest of South America
  • Middle East & Africa
    • Saudi Arabia
    • UAE
    • Qatar
    • South Africa
    • Rest of Middle East & Africa

What our report offers:

  • Market share assessments for the regional and country-level segments
  • Strategic recommendations for the new entrants
  • Covers Market data for the years 2024, 2025, 2026, 2028, and 2032
  • Market Trends (Drivers, Constraints, Opportunities, Threats, Challenges, Investment Opportunities, and recommendations)
  • Strategic recommendations in key business segments based on the market estimations
  • Competitive landscaping mapping the key common trends
  • Company profiling with detailed strategies, financials, and recent developments
  • Supply chain trends mapping the latest technological advancements

Free Customization Offerings:

All the customers of this report will be entitled to receive one of the following free customization options:

  • Company Profiling
    • Comprehensive profiling of additional market players (up to 3)
    • SWOT Analysis of key players (up to 3)
  • Regional Segmentation
    • Market estimations, Forecasts and CAGR of any prominent country as per the client's interest (Note: Depends on feasibility check)
  • Competitive Benchmarking
    • Benchmarking of key players based on product portfolio, geographical presence, and strategic alliances

Table of Contents

1 Executive Summary

2 Preface

  • 2.1 Abstract
  • 2.2 Stake Holders
  • 2.3 Research Scope
  • 2.4 Research Methodology
    • 2.4.1 Data Mining
    • 2.4.2 Data Analysis
    • 2.4.3 Data Validation
    • 2.4.4 Research Approach
  • 2.5 Research Sources
    • 2.5.1 Primary Research Sources
    • 2.5.2 Secondary Research Sources
    • 2.5.3 Assumptions

3 Market Trend Analysis

  • 3.1 Introduction
  • 3.2 Drivers
  • 3.3 Restraints
  • 3.4 Opportunities
  • 3.5 Threats
  • 3.6 End User Analysis
  • 3.7 Emerging Markets
  • 3.8 Impact of Covid-19

4 Porters Five Force Analysis

  • 4.1 Bargaining power of suppliers
  • 4.2 Bargaining power of buyers
  • 4.3 Threat of substitutes
  • 4.4 Threat of new entrants
  • 4.5 Competitive rivalry

5 Global Robo-Advisory Market, By Business Model

  • 5.1 Introduction
  • 5.2 Pure Robo-Advisors
  • 5.3 Hybrid Robo-Advisors

6 Global Robo-Advisory Market, By Service Type

  • 6.1 Introduction
  • 6.2 Investment Advisory
  • 6.3 Wealth Management
  • 6.4 Retirement Planning
  • 6.5 Tax-Loss Harvesting

7 Global Robo-Advisory Market, By Provider

  • 7.1 Introduction
  • 7.2 Fintech Companies
  • 7.3 Banks and Credit Unions
  • 7.4 Traditional Wealth Managers

8 Global Robo-Advisory Market, By End User

  • 8.1 Introduction
  • 8.2 Retail Investors
  • 8.3 High-Net-Worth Individuals (HNWIs)
  • 8.4 SMEs and Corporate Treasuries

9 Global Robo-Advisory Market, By Geography

  • 9.1 Introduction
  • 9.2 North America
    • 9.2.1 US
    • 9.2.2 Canada
    • 9.2.3 Mexico
  • 9.3 Europe
    • 9.3.1 Germany
    • 9.3.2 UK
    • 9.3.3 Italy
    • 9.3.4 France
    • 9.3.5 Spain
    • 9.3.6 Rest of Europe
  • 9.4 Asia Pacific
    • 9.4.1 Japan
    • 9.4.2 China
    • 9.4.3 India
    • 9.4.4 Australia
    • 9.4.5 New Zealand
    • 9.4.6 South Korea
    • 9.4.7 Rest of Asia Pacific
  • 9.5 South America
    • 9.5.1 Argentina
    • 9.5.2 Brazil
    • 9.5.3 Chile
    • 9.5.4 Rest of South America
  • 9.6 Middle East & Africa
    • 9.6.1 Saudi Arabia
    • 9.6.2 UAE
    • 9.6.3 Qatar
    • 9.6.4 South Africa
    • 9.6.5 Rest of Middle East & Africa

10 Key Developments

  • 10.1 Agreements, Partnerships, Collaborations and Joint Ventures
  • 10.2 Acquisitions & Mergers
  • 10.3 New Product Launch
  • 10.4 Expansions
  • 10.5 Other Key Strategies

11 Company Profiling

  • 11.1 Betterment
  • 11.2 Wealthfront
  • 11.3 Fidelity Investments
  • 11.4 Acorns
  • 11.5 Vanguard Group
  • 11.6 Empower
  • 11.7 Charles Schwab Corporation
  • 11.8 Ally Invest
  • 11.9 Wealthsimple
  • 11.10 M1 Finance
  • 11.11 E*TRADE
  • 11.12 SoFi
  • 11.13 SigFig
  • 11.14 Ellevest
  • 11.15 Merrill Guided Investing
  • 11.16 Scalable Capital

List of Tables

  • Table 1 Global Robo-Advisory Market Outlook, By Region (2024-2032) ($MN)
  • Table 2 Global Robo-Advisory Market Outlook, By Business Model (2024-2032) ($MN)
  • Table 3 Global Robo-Advisory Market Outlook, By Pure Robo-Advisors (2024-2032) ($MN)
  • Table 4 Global Robo-Advisory Market Outlook, By Hybrid Robo-Advisors (2024-2032) ($MN)
  • Table 5 Global Robo-Advisory Market Outlook, By Service Type (2024-2032) ($MN)
  • Table 6 Global Robo-Advisory Market Outlook, By Investment Advisory (2024-2032) ($MN)
  • Table 7 Global Robo-Advisory Market Outlook, By Wealth Management (2024-2032) ($MN)
  • Table 8 Global Robo-Advisory Market Outlook, By Retirement Planning (2024-2032) ($MN)
  • Table 9 Global Robo-Advisory Market Outlook, By Tax-Loss Harvesting (2024-2032) ($MN)
  • Table 10 Global Robo-Advisory Market Outlook, By Provider (2024-2032) ($MN)
  • Table 11 Global Robo-Advisory Market Outlook, By Fintech Companies (2024-2032) ($MN)
  • Table 12 Global Robo-Advisory Market Outlook, By Banks and Credit Unions (2024-2032) ($MN)
  • Table 13 Global Robo-Advisory Market Outlook, By Traditional Wealth Managers (2024-2032) ($MN)
  • Table 14 Global Robo-Advisory Market Outlook, By End User (2024-2032) ($MN)
  • Table 15 Global Robo-Advisory Market Outlook, By Retail Investors (2024-2032) ($MN)
  • Table 16 Global Robo-Advisory Market Outlook, By High-Net-Worth Individuals (HNWIs) (2024-2032) ($MN)
  • Table 17 Global Robo-Advisory Market Outlook, By SMEs and Corporate Treasuries (2024-2032) ($MN)

Note: Tables for North America, Europe, APAC, South America, and Middle East & Africa Regions are also represented in the same manner as above.