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市場調查報告書
商品編碼
1889191
全球金融資料聚合市場:預測至 2032 年-按組件、部署方式、資料類型、公司規模、應用、最終使用者和地區進行分析Financial Data Aggregation Market Forecasts to 2032 - Global Analysis By Component (Solutions and Services), Deployment Mode, Data Type, Enterprise Size, Application, End User and By Geography |
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根據 Stratistics MRC 的一項研究,預計到 2025 年,全球金融數據聚合市場規模將達到 64.9 億美元,到 2032 年將達到 256.9 億美元,在預測期內的複合年成長率將達到 21.7%。
財務資料聚合是指將來自銀行、信用卡、投資帳戶、保險系統和企業帳簿等各種平台的財務記錄收集並整合到一個統一的儀表板中。這種整合方法使用戶和企業能夠及時了解自身的財務狀況,簡化報告流程,並提升決策效率。整合分散的財務資料集可以提高營運透明度,減少人工操作,並確保更可靠、更有效率的財務管理流程。
對個人化的需求日益成長
用戶對銀行、財富管理和預算應用程式中的客製化分析、個人化產品提案和情境化建議的期望日益成長。聚合服務使金融機構能夠透過整合交易數據、行為數據和投資組合數據,提供高度個人化的服務。隨著客戶期望的提高,金融機構正在利用基於聚合資料集訓練的人工智慧模型來提升個人化水準。更高的客製化程度有助於金融機構提高用戶滿意度、客戶維繫和交叉銷售機會。這種向個人化金融體驗的轉變正成為市場擴張的關鍵驅動力。
缺乏統一的數據標準和質量
格式、API 和更新頻率的差異導致資料集碎片化,使即時聚合變得複雜。資料品質不佳會導致資訊不完整、不準確和過時,從而損害用戶信任和服務可靠性。金融機構必須投入大量資源進行資料清洗和協調,以確保無縫整合。遵守不斷變化的法規結構進一步增加了標準化工作的複雜性。總而言之,這些挑戰會增加營運成本並降低平台擴充性。
開放金融的全球擴張
各國政府和監管機構正積極推動建立安全的資料共用生態系統,以促進金融服務領域的透明度和競爭。隨著開放API的應用範圍從銀行業擴展到投資、保險和退休金等領域,資料聚合的範圍也不斷擴大。這種擴展使得平台能夠提供更全面的金融洞察和高級分析。跨國合作正在推動跨國服務模式和新型商業夥伴關係的形成。開放金融也透過賦能金融科技公司,使其能夠基於豐富的資料集建構附加價值服務,從而支持創新。
來自大型科技公司的競爭
科技公司擁有龐大的基本客群、先進的分析能力和強大的品牌知名度,為其帶來了優勢。對於小規模的聚合平台而言,如何將金融功能無縫整合到現有生態系統中是一項挑戰。這些公司也在人工智慧和雲端基礎設施方面投入巨資,提高了用戶對速度和個人化服務的期望。在由強大的數位平台主導的市場中,小規模公司很難脫穎而出。大型科技公司透過合作、收購和生態系統策略,正在改變競爭格局。
新冠疫情加速了數位金融的普及,並提高了對數據聚合平台的依賴。遠距銀行和非接觸式交易的興起,增加了對統一財務視圖和自動化洞察的需求。收入變化和經濟不確定性促使消費者尋求更有效的財務規劃工具。金融機構利用聚合數據來增強風險評估和客戶參與策略。然而,預算限制和IT系統延遲暫時影響了部分企業的實施進度。即使在疫情結束後,以數位化為先的金融行為仍然支撐著對聚合解決方案的需求。
預計在預測期內,雲端基礎市場將佔據最大的市場佔有率。
由於其擴充性、成本效益和易於部署等優勢,預計在預測期內,雲端基礎方案將佔據最大的市場佔有率。雲端基礎設施能夠快速整合各種資料來源,進而提升分析能力。金融機構越來越傾向於選擇雲端解決方案,因為它有助於敏捷創新和快速產品部署。持續更新和自動安全增強功能提高了營運可靠性。雲端平台還有助於快速資料處理,這對於即時聚合至關重要。其支援大量金融數據的能力使其成為金融科技公司和銀行的首選。
預計在預測期內,金融科技領域將實現最高的複合年成長率。
預計在預測期內,金融科技領域將實現最高成長率,因為這些公司積極採用數據聚合技術來提供創新的金融工具。金融科技公司利用整合資料提供預算應用程式、智慧投顧平台、貸款模式、嵌入式金融服務等。它們的敏捷性和數位原民方法正在加速開放API和高階分析技術的應用。客戶對直覺易用的應用程式金融體驗的需求不斷成長,進一步推動了用戶成長。創業投資持續推動創新和市場滲透。
預計在預測期內,北美將保持最大的市場佔有率,這主要得益於先進的數位銀行應用以及監管機構對開放金融的大力支持。美國和加拿大擁有成熟的金融生態系統,並將無縫數據連接放在首位。消費者對數位金融工具的高接受度推動了數據聚合的快速普及。成熟的金融科技叢集和領先的科技公司進一步鞏固了該地區的領先地位。金融機構正積極投資分析、API現代化和雲端遷移。該地區強大的網路安全基礎架構提升了人們對資料共用平台的信任。
亞太地區預計將在預測期內實現最高的複合年成長率,這主要得益於快速的數位轉型和不斷擴展的金融科技生態系統。印度、中國和新加坡等國家正經歷行動銀行和超級應用金融服務的快速普及。不斷壯大的中產階級對綜合財務管理工具的需求日益成長。政府為促進開放銀行和數位支付而採取的措施正在加速生態系統的發展。該地區的金融科技Start-Ups正利用聚合數據,在貸款、財富科技和個人財務管理等領域推動創新。高網路普及率和行動優先的消費習慣也進一步推動了這一成長。
According to Stratistics MRC, the Global Financial Data Aggregation Market is accounted for $6.49 billion in 2025 and is expected to reach $25.69 billion by 2032 growing at a CAGR of 21.7% during the forecast period. Financial Data Aggregation involves gathering and merging financial records from varied platforms like banks, credit cards, investment accounts, insurance systems, and business ledgers into one coherent dashboard. This consolidated approach helps users and enterprises gain timely visibility into their finances, streamline reporting tasks, and strengthen decision-making. By unifying scattered financial datasets, it boosts operational clarity, reduces manual effort, and ensures more dependable and efficient financial management processes.
Rising demand for personalization
Users increasingly expect customized insights, tailored product recommendations, and contextual advice across banking, wealth management, and budgeting applications. Aggregators enable institutions to deliver hyper-personalized services by consolidating transactional, behavioral, and portfolio data. As customer expectations rise, financial firms are leveraging AI models trained on aggregated datasets to refine personalization accuracy. Enhanced customization helps institutions improve user satisfaction, retention, and cross-selling opportunities. This shift toward individualized financial journeys is becoming a major catalyst for market expansion.
Lack of uniform data standards/quality
Variations in formats, APIs, and update frequencies lead to fragmented datasets that complicate real-time aggregation. Poor data quality can result in incomplete, inaccurate, or outdated information, undermining user trust and service reliability. Financial institutions must invest heavily in data cleansing and harmonization to ensure seamless integration. Compliance with evolving regulatory frameworks adds further complexity to standardization efforts. These challenges collectively raise operational costs and slow down platform scalability.
Global expansion of open finance
Governments and regulators are encouraging secure data-sharing ecosystems to enhance transparency and competition in financial services. As open APIs gain traction beyond banking covering investments, insurance, and pensions the scope of aggregation is broadening. This expansion enables platforms to deliver more comprehensive financial insights and advanced analytics. Cross-border initiatives are encouraging multinational service models and new business partnerships. Open finance also supports innovation by enabling fintechs to build value-added services on top of enriched datasets.
Competition from large technology companies
Tech companies benefit from vast customer bases, advanced analytics capabilities, and strong brand recognition. Their ability to integrate financial features seamlessly into existing ecosystems poses a challenge for smaller aggregators. These players also invest heavily in AI and cloud infrastructure, elevating user expectations for speed and personalization. Smaller companies may struggle to differentiate in a market shaped by powerful digital platforms. Partnerships, acquisitions, and ecosystem strategies from big tech firms are reshaping competitive dynamics.
The COVID-19 pandemic accelerated digital financial adoption, driving increased reliance on data aggregation platforms. Remote banking and contactless transactions boosted the need for unified financial views and automated insights. Consumers sought better financial planning tools due to income shifts and economic instability. Financial institutions used aggregated data to strengthen risk assessment and customer engagement strategies. However, budget constraints and IT delays temporarily affected implementation timelines for some firms. Post-pandemic, digital-first financial behavior continues to sustain demand for aggregation solutions.
The cloud-based segment is expected to be the largest during the forecast period
The cloud-based segment is expected to account for the largest market share during the forecast period, due to its scalability, cost-efficiency, and ease of deployment. Cloud infrastructure enables rapid integration of diverse data sources and accelerates analytics capabilities. Financial institutions increasingly prefer cloud solutions to support agile innovation and faster product rollout. Continuous updates and automatic security enhancements strengthen operational reliability. Cloud platforms also facilitate high-speed data processing essential for real-time aggregation. Their ability to support large volumes of financial data makes them the preferred choice for both fintechs and banks.
The Fintech companies segment is expected to have the highest CAGR during the forecast period
Over the forecast period, the Fintech companies segment is predicted to witness the highest growth rate, as these firms aggressively adopt aggregation to deliver innovative financial tools. Fintechs rely on integrated data to power budgeting apps, robo-advisory platforms, lending models, and embedded finance offerings. Their agility and digital-native approach accelerate the adoption of open APIs and advanced analytics. Growing customer demand for intuitive, app-based financial experiences further boosts utilization. Venture capital investment continues to fuel innovation and market penetration.
During the forecast period, the North America region is expected to hold the largest market share, driven by advanced digital banking adoption and strong regulatory support for open finance. The U.S. and Canada have mature financial ecosystems that prioritize seamless data connectivity. High consumer willingness to adopt digital financial tools supports rapid aggregation adoption. Established fintech clusters and major technology companies further strengthen regional leadership. Financial institutions actively invest in analytics, API modernization, and cloud transformation. The region's robust cybersecurity infrastructure enhances trust in data-sharing platforms.
Over the forecast period, the Asia Pacific region is anticipated to exhibit the highest CAGR, owing to rapid digital transformation and expanding fintech ecosystems. Countries such as India, China, and Singapore are witnessing surging adoption of mobile banking and super-app financial services. Growing middle-class populations are increasingly seeking unified financial management tools. Government initiatives promoting open banking and digital payments are accelerating ecosystem development. Regional fintech startups are driving innovation in loans, wealthtech, and personal finance management using aggregated data. High internet penetration and mobile-first behavior further boost growth rates.
Key players in the market
Some of the key players in Financial Data Aggregation Market include Plaid, Kontomatik, Envestnet, GoCardless, Tink, Bud, TrueLayer, Flinks, Salt Edge, Akoya, MX, Trustly, Finicity, Token, and Yapily.
In November 2025, GoCardless has announced further support for grassroots football with 15 new partnerships with County Football Associations (FA) across England. The initiatives will not only help local teams focus less on chasing late payments, and more on building community, self-belief and lifelong healthy habits through football -- they will also see GoCardless working hand-in-hand with County FAs to champion accessibility, diversity, and inclusion across the game.
In June 2020, Mastercard announced it has entered into an agreement to acquire Finicity, a leading North American provider of real-time access to financial data and insights. The purchase price is US$825 million, and Finicity's existing shareholders have the potential for an earn-out of up to an additional $160 million, if performance targets are met.
Note: Tables for North America, Europe, APAC, South America, and Middle East & Africa Regions are also represented in the same manner as above.