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1833594

2032 年農業金融科技市場預測：按解決方案類型、部署模式、技術、最終用戶和地區進行的全球分析

Agri-Fintech Market Forecasts to 2032 - Global Analysis By Solution Type, Deployment Model, Technology, 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，全球農業金融科技市場預計在 2025 年達到 74 億美元，到 2032 年將達到 212 億美元，預測期內的複合年成長率為 16.2%。

農業金融科技市場將金融科技與農業結合，為農民提供數位信貸、保險、供應鏈金融和支付解決方案。該市場旨在利用行動平台、區塊鏈和人工智慧提供全面的金融服務，從而彌合農村金融缺口。農業金融科技的興起得益於智慧型手機普及率的提高、政府數位化計畫以及小農戶獲得信貸的需求。隨著投資者認知到農業金融科技在促進農村繁榮、推動農業機械化和支持永續農業成長方面的作用，該市場正在不斷擴大。

農業數位轉型

數位轉型正在再形成農業金融科技，加速數位支付、農業數據平台和替代信用評分的發展，從而減少小農戶與貸款機構之間的資訊不對稱。透過數位化記錄並結合衛星影像、物聯網遙測和行動交易歷史記錄，貸款機構可以更準確地評估貸款，並提供符合作物週期的產品。此外，數位市場和電子錢包簡化了投入品的購買和農產品的銷售，提高了交易的透明度和可追溯性，同時顯著加強了貸款機構與農民之間的關係。

農村地區網路連線有限

許多農村用戶缺乏可靠的寬頻或行動通訊，導致持續的連接缺口，限制了農業金融科技服務的普及。這些限制意味著無法持續存取依賴持續數據的行動銀行應用程式、即時定價平台和遠端信用評估工具。結果導致產品採用率參差不齊，客戶獲取成本高昂，企業必須投資離線通路、代理商網路和USSD解決方案。此外，連線不穩定還會阻礙資料收集，並增加實地合規負擔。

與傳統金融機構的夥伴關係

農業金融科技公司與成熟銀行和小額信貸機構的合作，展現了一條策略性的規模化路徑。金融科技公司提供敏捷技術、另類數據分析和農民參與平台，而成熟金融機構則提供資金、合規經驗和銷售網路。此類夥伴關係可以降低客戶獲取成本，支持混合融資和倉儲取貨融資等共同設計的產品，並增強厭惡風險的農民的信心。此外，此類聯盟還能促進風險共用機制，拓寬產品供應，並擴大保險服務的交叉銷售。

經濟不穩定

由於小農戶的收入高度依賴天氣和市場波動，宏觀經濟衝擊、外匯波動和商品價格波動構成重大威脅。通膨和利率上升會加劇借款人的融資緊張，增加不良債務，而長期經濟衰退則會降低投資者對創新信貸模式的興趣。在這種環境下，資金籌措成本上升，金融機構變得更加保守，產品供應受到限制。此外，經濟不穩定會侵蝕信貸質量，增加撥備，並削弱投資者信心。

COVID-19的影響：

疫情加速了農村金融的數位化，推動農民和金融機構使用行動交易和遠端服務。供應鏈衝擊暴露了紙本貸款的弱點，並增加了對數位抵押品、電子簽章和遠端檢驗的需求。收入損失和市場動盪加劇了借款人的壓力，促使金融機構收緊承保並更新風險模型，並促使監管機構和捐助者支持數位支付和保險試點。

預計數位借貸和小額信貸領域將成為預測期內最大的領域

預計在預測期內，數位借貸和小額信貸領域將佔據最大的市場佔有率，這得益於及時提供針對季節性農業需求（例如種子、化肥和勞動力）的小額貸款。數位貸款機構正在採用行動錢包、替代數據和代理商管道，以覆蓋服務不足的小農戶，並減少他們對非正規信貸的依賴。與投入品供應商和承購商的整合實現了嵌入式融資，提高了營運成本效率和可追溯性。此外，小額信貸產品可以建立正式的信用記錄，擴大金融包容性，並為補充服務創建可擴展的途徑。

預計在預測期內，現場部分將實現最高的複合年成長率。

預計本地部署領域將在預測期內實現最高成長率。本地部署能夠與傳統 ERP 系統深度整合，提供客製化分析，並符合本地資料主權和監管要求。此類設定還能降低大容量事務工作負載的延遲，並打造客製化的安全架構。此外，將本地核心與雲端元件結合的混合方法能夠在保持敏捷性的同時實現管治，從而支持企業的長期採用。

佔比最大的地區：

在預測期內，北美預計將佔據最大的市場佔有率，這得益於其先進的數位基礎設施、充足的風險投資和機構資金籌措，以及成熟的農業價值鏈，易於採用數據主導的資金籌措。高智慧型手機和寬頻普及率、廣泛的物聯網部署以及清晰的法規結構有利於產品的快速部署和規模化。強大的農業科技生態系統、保險市場和農民協會為承保和風險共用提供了豐富的數據。因此，供應商可以更快地將其產品商業化，提高單位使用者的收益，並與更廣泛的國內機構合作。

複合年成長率最高的地區：

預計亞太地區將在預測期內實現最高的複合年成長率，這得益於其龐大的小農戶群體、不斷上升的移動普及率以及政府積極的數位化舉措，這些舉措降低了金融科技的應用門檻。印度、印尼和東南亞等市場正在經歷技術創新的不斷成長，透過代理銀行、替代信用評分和超級應用程式，擴大了信貸、支付和農場管理平台的獲取管道。此外，人口結構年輕化、互聯互通的不斷增強以及公私合作項目為可擴展且適應本地需求的農業金融科技模式以及日益成長的投資者興趣創造了有利環境。

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目錄

第1章執行摘要

第2章 前言

  • 概述
  • 相關利益者
  • 調查範圍
  • 調查方法
    • 資料探勘
    • 數據分析
    • 數據檢驗
    • 研究途徑
  • 研究材料
    • 主要研究資料
    • 次級研究資訊來源
    • 先決條件

第3章市場走勢分析

  • 驅動程式
  • 抑制因素
  • 機會
  • 威脅
  • 技術分析
  • 最終用戶分析
  • 新興市場
  • COVID-19的影響

第4章 波特五力分析

  • 供應商的議價能力
  • 買方的議價能力
  • 替代品的威脅
  • 新進入者的威脅
  • 競爭對手之間的競爭

5. 全球農業金融科技市場（依解決方案類型）

  • 數位借貸和小額信貸
  • 農業支付匯款解決方案
  • 供應鍊和貿易融資
  • 農業投資群眾集資平台
  • 基於區塊鏈的智慧合約

6. 全球農業金融科技市場（依部署模式）

  • 雲端基礎
  • 本地部署

7. 全球農業金融科技市場（按技術）

  • 人工智慧和機器學習
  • 區塊鏈和分散式帳本
  • 物聯網與遙感探測的融合
  • 行動和數位錢包

8. 全球農業金融科技市場（以最終用戶分類）

  • 小規模農戶
  • 相關企業和合作社
  • 金融機構和區域銀行
  • 農業投入品供應商和零售商

9. 全球農業金融科技市場（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
    • 其他南美
  • 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：重大進展

  • 協議、夥伴關係、合作和合資企業
  • 收購與合併
  • 新產品發布
  • 業務擴展
  • 其他關鍵策略

第11章 公司概況

  • Pula Advisors
  • Hello Tractor
  • Apollo Agriculture
  • FarmDrive
  • ThriveAgric
  • Traive
  • ProducePay
  • Farmers Business Network（FBN）
  • AgriDigital
  • Agrolend
  • Samunnati
  • Jai Kisan
  • AgroStar
  • Digivriddhi（DGV）
  • eFishery
  • BanQu
Product Code: SMRC31427

According to Stratistics MRC, the Global Agri-Fintech Market is accounted for $7.4 billion in 2025 and is expected to reach $21.2 billion by 2032 growing at a CAGR of 16.2% during the forecast period. The agri-fintech market integrates financial technology with agriculture, providing farmers with digital credit, insurance, supply chain financing, and payment solutions. It aims to bridge the rural finance gap by leveraging mobile platforms, blockchain, and AI to deliver inclusive financial services. The rise of agri-fintech is fueled by growing Smartphone penetration, government digitalization programs, and the need for accessible credit for smallholders. This market is expanding as investors recognize its role in driving rural prosperity, enabling farm mechanization, and supporting sustainable agricultural growth.

Market Dynamics:

Driver:

Digital Transformation in Agriculture

Digital transformation is reshaping agri-fintech by accelerating digital payments, farm data platforms and alternative credit scoring that reduce information asymmetry between smallholders and lenders. By digitizing records and combining satellite imagery, IoT telemetry and mobile transaction histories, lenders can underwrite loans more accurately and offer tailored products aligned to crop cycles. Furthermore, digital marketplaces and e-wallets simplify input purchases and crop sales, increasing transaction transparency and traceability while significantly strengthen lender-farmer relationships.

Restraint:

Limited Internet Connectivity in Rural Areas

Persistent connectivity gaps constrain the reach of agri-fintech services because many rural users lack reliable broadband or mobile coverage. This limitation prevents consistent access to mobile banking apps, real-time price platforms and remote credit assessment tools that rely on continuous data. As a result, product uptake is uneven, customer onboarding becomes costlier and firms must invest in offline channels, agent networks or USSD solutions. Moreover, intermittent connections hamper data collection and raise compliance burdens locally.

Opportunity:

Partnerships with Traditional Financial Institutions

Collaborations between agri-fintech firms and established banks or microfinance institutions present a strategic route to scale. Fintechs bring agile technology, alternative data analytics and farmer engagement platforms, while incumbents provide capital, regulatory compliance experience and distribution footprints. Such partnerships lower customer acquisition costs, enable co-designed products like blended finance or warehouse receipt lending, and improve trust among risk-averse farmers. Additionally, these alliances facilitate shared risk mechanisms, expand product suites and expand cross-selling of insurance services.

Threat:

Economic Instability

Macroeconomic shocks, currency volatility and volatile commodity prices constitute significant threats because smallholder incomes are highly exposed to weather and market swings. Rising inflation or interest rates can squeeze borrower affordability and increase non-performing loans, while prolonged downturns reduce investor appetite for innovative credit models. In such environments, funding costs escalate and lenders become more conservative, constraining product availability. Moreover, economic instability undermines credit availability, increasing provisioning, reducing investor confidence.

Covid-19 Impact:

The pandemic accelerated digital adoption in rural finance as lockdowns pushed farmers and lenders toward mobile transactions and remote services. Supply chain shocks exposed weaknesses in paper-based financing and increased demand for digital collateral, e-signatures and remote verification. Income losses and market disruptions increased borrower stress, prompting lenders to tighten underwriting and update risk models, while regulators and donors supported digital payment and insurance pilots.

The digital lending & microfinance segment is expected to be the largest during the forecast period

The digital lending & microfinance segment is expected to account for the largest market share during the forecast period by supplying small, timely loans tailored to seasonal farming needs such as seed, fertiliser and labour. Digital lenders employ mobile wallets, alternative data and agent channels to reach underserved smallholders and reduce dependence on informal credit. Integration with input suppliers and offtakers enables embedded finance, improving working capital efficiency and traceability. Furthermore, microfinance products build formal credit histories, broaden financial inclusion and create a scalable pathway for complementary services.

The on-premise segment is expected to have the highest CAGR during the forecast period

Over the forecast period, the on-premise segment is predicted to witness the highest growth rate. On-premise deployments enable deep integration with legacy ERP systems, bespoke analytics and compliance with local data sovereignty or regulatory requirements. Such setups also reduce latency for high-volume transactional workloads and permit tailored security architectures. Moreover, hybrid approaches coupling on-premise cores and cloud components preserve agility while delivering governance and support longer term enterprise adoption.

Region with largest share:

During the forecast period, the North America region is expected to hold the largest market share owing to advanced digital infrastructure, deep venture and institutional funding and mature agricultural value chains that readily adopt data-driven financing. High smartphone and broadband penetration, broad IoT deployment and clear regulatory frameworks facilitate swift product rollouts and scale. Strong agtech ecosystems, insurance markets and farmer cooperatives provide rich data for underwriting and risk sharing. Consequently, providers can commercialise offerings faster, achieve higher monetisation per user and broader national institutional partnerships.

Region with highest CAGR:

Over the forecast period, the Asia Pacific region is anticipated to exhibit the highest CAGR driven by large smallholder base, rising mobile penetration and proactive government digitalisation initiatives that lower barriers to fintech adoption. High innovation in markets such as India, Indonesia and Southeast Asia is expanding access to credit, payments and farm-management platforms through agent banking, alternative credit scoring and superapps. Moreover, younger demographics, improving connectivity and targeted public-private programs create a fertile environment for scalable, locally adapted agri-fintech models and growing investor interest.

Key players in the market

Some of the key players in Agri-Fintech Market include Pula Advisors, Hello Tractor, Apollo Agriculture, FarmDrive, ThriveAgric, Traive, ProducePay, Farmers Business Network (FBN), AgriDigital, Agrolend, Samunnati, Jai Kisan, AgroStar, Digivriddhi (DGV), eFishery, and BanQu.

Key Developments:

In July 2025, Farmers Business Network (FBN(R)), the collaborative peer-to-peer farmer network generating farm-level intelligence and a leading marketplace for North America's agricultural sector, announced new investments and platform expansions alongside $50 million in funding to fuel new product lines and AI deployment.

In April 2024, Agricultural insurance and technology company Pula today announced that it closed a USD 20 million series B fundraising round that will help thousands of smallholder farmers in emerging markets gain access to insurance against floods, droughts, and other climate-related events. The funding round was led by BlueOrchard, a global impact investment manager and member of the Schroders Group, via its InsuResilience strategy. The aim of the strategy is to protect vulnerable people and microentrepreneurs in emerging markets from the effects of climate change by providing access to climate insurance. Fundraising also came from IFC and the Private Sector Window of the Global Agriculture and Food Security Program (GAFSP). IFC's financing is part of its $225 million venture capital platform launched in November 2022 to invest in early-stage companies that are advancing development through technological innovations.

In January 2024, Apollo Agriculture, an agri-fintech startup, received a USD 10 million investment from Swedfund and ImpactConnect. The investment aims to aid small-scale farmers in Africa, enhancing their earnings and promoting sustainable farming. The new funding will expand Apollo's reach in Kenya, targeting an additional 400,000 farmers.

Solution Types Covered:

  • Digital Lending & Microfinance
  • Agri-Payments & Remittance Solutions
  • Supply Chain & Trade Finance
  • Crop Investment & Crowdfunding Platforms
  • Blockchain-Based Smart Contracts

Deployment Models Covered:

  • Cloud-Based
  • On-Premise

Technologies Covered:

  • AI & Machine Learning
  • Blockchain & Distributed Ledger
  • IoT & Remote Sensing Integration
  • Mobile & Digital Wallets

End Users Covered:

  • Smallholder Farmers
  • Agribusinesses & Cooperatives
  • Financial Institutions & Rural Banks
  • Agri-Input Suppliers & Retailers

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 Technology Analysis
  • 3.7 End User Analysis
  • 3.8 Emerging Markets
  • 3.9 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 Agri-Fintech Market, By Solution Type

  • 5.1 Introduction
  • 5.2 Digital Lending & Microfinance
  • 5.3 Agri-Payments & Remittance Solutions
  • 5.4 Supply Chain & Trade Finance
  • 5.5 Crop Investment & Crowdfunding Platforms
  • 5.6 Blockchain-Based Smart Contracts

6 Global Agri-Fintech Market, By Deployment Model

  • 6.1 Introduction
  • 6.2 Cloud-Based
  • 6.3 On-Premise

7 Global Agri-Fintech Market, By Technology

  • 7.1 Introduction
  • 7.2 AI & Machine Learning
  • 7.3 Blockchain & Distributed Ledger
  • 7.4 IoT & Remote Sensing Integration
  • 7.5 Mobile & Digital Wallets

8 Global Agri-Fintech Market, By End User

  • 8.1 Introduction
  • 8.2 Smallholder Farmers
  • 8.3 Agribusinesses & Cooperatives
  • 8.4 Financial Institutions & Rural Banks
  • 8.5 Agri-Input Suppliers & Retailers

9 Global Agri-Fintech 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 Pula Advisors
  • 11.2 Hello Tractor
  • 11.3 Apollo Agriculture
  • 11.4 FarmDrive
  • 11.5 ThriveAgric
  • 11.6 Traive
  • 11.7 ProducePay
  • 11.8 Farmers Business Network (FBN)
  • 11.9 AgriDigital
  • 11.10 Agrolend
  • 11.11 Samunnati
  • 11.12 Jai Kisan
  • 11.13 AgroStar
  • 11.14 Digivriddhi (DGV)
  • 11.15 eFishery
  • 11.16 BanQu

List of Tables

  • Table 1 Global Agri-Fintech Market Outlook, By Region (2024-2032) ($MN)
  • Table 2 Global Agri-Fintech Market Outlook, By Solution Type (2024-2032) ($MN)
  • Table 3 Global Agri-Fintech Market Outlook, By Digital Lending & Microfinance (2024-2032) ($MN)
  • Table 4 Global Agri-Fintech Market Outlook, By Agri-Payments & Remittance Solutions (2024-2032) ($MN)
  • Table 5 Global Agri-Fintech Market Outlook, By Supply Chain & Trade Finance (2024-2032) ($MN)
  • Table 6 Global Agri-Fintech Market Outlook, By Crop Investment & Crowdfunding Platforms (2024-2032) ($MN)
  • Table 7 Global Agri-Fintech Market Outlook, By Blockchain-Based Smart Contracts (2024-2032) ($MN)
  • Table 8 Global Agri-Fintech Market Outlook, By Deployment Model (2024-2032) ($MN)
  • Table 9 Global Agri-Fintech Market Outlook, By Cloud-Based (2024-2032) ($MN)
  • Table 10 Global Agri-Fintech Market Outlook, By On-Premise (2024-2032) ($MN)
  • Table 11 Global Agri-Fintech Market Outlook, By Technology (2024-2032) ($MN)
  • Table 12 Global Agri-Fintech Market Outlook, By AI & Machine Learning (2024-2032) ($MN)
  • Table 13 Global Agri-Fintech Market Outlook, By Blockchain & Distributed Ledger (2024-2032) ($MN)
  • Table 14 Global Agri-Fintech Market Outlook, By IoT & Remote Sensing Integration (2024-2032) ($MN)
  • Table 15 Global Agri-Fintech Market Outlook, By Mobile & Digital Wallets (2024-2032) ($MN)
  • Table 16 Global Agri-Fintech Market Outlook, By End User (2024-2032) ($MN)
  • Table 17 Global Agri-Fintech Market Outlook, By Smallholder Farmers (2024-2032) ($MN)
  • Table 18 Global Agri-Fintech Market Outlook, By Agribusinesses & Cooperatives (2024-2032) ($MN)
  • Table 19 Global Agri-Fintech Market Outlook, By Financial Institutions & Rural Banks (2024-2032) ($MN)
  • Table 20 Global Agri-Fintech Market Outlook, By Agri-Input Suppliers & Retailers (2024-2032) ($MN)

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