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市場調查報告書
商品編碼
1843802
全球金融科技人工智慧市場報告(2025 年)AI in FinTech Global Market Report 2025 |
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近年來,人工智慧在金融科技領域的市場規模迅速擴張,預計將從2024年的141.3億美元成長到2025年的176.9億美元,複合年成長率達25.2%。這段期間的成長將主要由風險管理和詐欺預防、改善客戶體驗、自動化日常任務、數據分析輔助決策以及演算法交易和投資等應用領域所驅動。
預計未來幾年,金融科技領域的人工智慧市場將呈指數級成長,到2029年市場規模將達到510.8億美元,複合年成長率(CAGR)高達30.4%。預測期內的成長主要歸功於聊天機器人和虛擬助理的日益普及、對監管合規的日益重視以及智慧投顧在財富管理領域的應用。預測期內的關鍵趨勢包括:自動化監管合規、替代信用評分模型、交叉銷售和提升銷售建議、人工智慧增強網路安全以及去中心化金融(DeFi)自動化。
金融科技人工智慧涵蓋了金融科技領域先進技術的應用。它涉及資料收集、資訊分析、保障交易安全、開發以客戶為中心的產品以及最佳化流程等任務,在金融科技公司中發揮著至關重要的作用。人工智慧的整合能夠增強安全措施、提升分析能力、提供寶貴洞察、實現虛擬助理和部署聊天機器人,從而簡化金融科技領域的運作。
主要產品類型包括解決方案和服務。以金融科技為導向的人工智慧解決方案包括決策工具、自動化客戶支援系統、詐欺偵測機制、理賠管理平台和自動化虛擬助理。這些解決方案可透過雲端基礎和本機部署模式進行部署。這些應用涵蓋資產管理、風險調查、商業分析、合規監管、資料收集、預測分析、虛擬助理以及金融科技領域的其他各種功能。
美國在2025年春季突然提高關稅及其引發的貿易摩擦,對資訊科技產業,特別是硬體製造、資料基礎設施和軟體部署領域,產生了重大影響。進口半導體、電路基板和網路設備的關稅上漲,推高了高科技公司、雲端服務供應商和資料中心的生產和營運成本。在全球範圍內採購筆記型電腦、伺服器和消費電子產品零件的公司,面臨更長的前置作業時間週期和價格壓力。同時,對專用軟體徵收的關稅以及主要國際市場的報復性措施,擾亂了全球IT供應鏈,並降低了海外對美國製造技術的需求。為了應對這些挑戰,該產業正在加大對國內晶片生產的投資,擴大供應商網路,並利用人工智慧驅動的自動化技術來增強韌性,更有效地控制成本。
這份人工智慧金融科技市場研究報告是商業研究公司最新報告系列的一部分,提供人工智慧金融科技市場統計數據,例如全球人工智慧金融科技產業的市場規模、區域佔有率、市場佔有率及競爭對手、詳細的市場區隔、市場趨勢和商業機會等。這份人工智慧金融科技市場研究報告對該行業的現狀和未來發展趨勢進行了詳細分析,為您提供所需的一切全面資訊。
我們預測未來五年該市場將成長30.4%,較先前預測略微下調0.5%。這一下調主要歸因於美國與其他國家之間的關稅影響。關稅可能直接影響美國的影響範圍將更加廣泛。
金融科技和金融機構對詐欺偵測的需求是推動人工智慧在金融科技市場擴張的主要動力。由機器學習演算法驅動的人工智慧(AI)能夠吸收新數據,並透過處理每個新資料集來提升其學習能力。這種持續學習的特性使銀行能夠透過人工智慧技術獲得更深入的洞察。其關鍵優勢在於演算法能夠隨著數據的累積和吸收而不斷演進。根據普華永道2022年對英國金融服務提供者的調查,46%的機構報告在過去24個月內曾發生詐騙、腐敗或經濟犯罪事件。此外,截至2021年9月,《金融科技新聞》(FintechNews)報道稱,銀行對基於人工智慧的解決方案的採用率空前高漲,在人工智慧應用方面的投資超過2170億美元,尤其是在欺詐預防和風險評估等中台職能方面。金融科技領域對詐欺偵測的迫切需求持續推動著金融科技人工智慧市場的成長。
人工智慧在金融科技市場的未來成長將主要受小型企業數量的增加所驅動。與大型企業相比,小型企業的業務範圍、員工人數和財務資源都相對有限。人工智慧(AI)為小型企業提供多種用途和優勢,幫助他們簡化營運、提升決策能力、改善客戶體驗並降低財務風險。例如,英國線上資源與諮詢平台Startups.co.uk發布的報告顯示,截至2024年2月,英國新業務較2023年顯著增加19.5%,總合39,966家。這比2022年同期成長了6.5%。因此,小型企業的成長很可能推動人工智慧在金融科技市場的擴張。
人工智慧金融科技市場的主要企業正致力於開發技術創新,例如嵌入人工智慧的銀行平台,旨在透過個人化服務、詐欺檢測和強化風險管理來改善客戶體驗並簡化營運。這些創新旨在提供更有效率、更安全的金融解決方案。人工智慧驅動的銀行平台利用人工智慧技術來改善個人化、詐欺偵測和客戶支援等服務。它們還透過先進的數據分析和自動化來增強營運和決策能力。例如,總部位於瑞士的軟體公司 Temenos 於 2024 年 5 月發布了“負責任的生成式人工智慧解決方案”,該方案透過提供數據驅動的洞察來提高營運效率和決策能力,同時促進道德實踐、透明度和風險緩解。這些解決方案促進了創新和個人化,幫助企業在快速變化的環境中保持競爭力。
金融科技人工智慧領域的領導企業正專注於開發人工智慧財富管理平台等尖端技術。這些解決方案利用人工智慧和機器學習演算法,提供量身定做的自動化投資策略和財務規劃服務。總部位於美國的金融科技公司TIFIN於2023年7月推出了「TIFIN.AI」。這些財富管理領域的進步將提升諮詢服務和產品在各個領域的交付水平,並涵蓋多種應用,包括為顧問提供客戶投資組合洞察、探索另類投資管道、提供職場財富管理服務以及解決保險相關問題。
2023年6月,總部位於美國的金融科技公司CircleUp以未揭露的價格收購了Brightflow AI。此次收購對CircleUp而言意義重大,旨在透過數據主導的洞察,增強現金流管理並推動明智的決策。透過將Brightflow AI的金融智慧套件包整合到自身營運中,CircleUp力求發揮其現有的數據和機器學習能力優勢,打造一套專為尋求業務拓展策略指南的消費品公司量身定做的綜合解決方案。同樣位於美國的Brightflow AI則專注於提供強大的金融智慧平台。
金融科技領域的人工智慧(AI)市場涵蓋網站開發服務、巨量資料開發服務、客製化軟體開發、DevOps服務、物聯網開發服務、軟體開發外包等。該市場的價值為“出廠價”,即製造商或生產商向其他營業單位(包括下游製造商、批發商、經銷商和零售商)或直接向終端客戶銷售的商品價值。此外,該市場中的商品價值還包括製造商提供的任何相關服務。
AI within fintech encompasses the utilization of advanced technology in the financial technology sector. It plays a pivotal role in fintech companies, encompassing tasks such as data collection, information analysis, transaction security facilitation, development of customer-centric products, and process optimization. Its integration ensures enhanced security measures, improved analytics capabilities, valuable insights, virtual assistance, and the implementation of chatbots to streamline operations within the fintech domain.
The primary product categories encompass solutions and services. AI solutions in fintech entail decision-making tools, automated customer support systems, fraud detection mechanisms, claims management platforms, and automated virtual financial assistants. These solutions are deployed through cloud-based and on-premise models. Their applications span asset management, risk investigation, business analytics, regulatory compliance, data collection, predictive analytics, virtual assistance, and various other functionalities within the fintech domain.
Note that the outlook for this market is being affected by rapid changes in trade relations and tariffs globally. The report will be updated prior to delivery to reflect the latest status, including revised forecasts and quantified impact analysis. The report's Recommendations and Conclusions sections will be updated to give strategies for entities dealing with the fast-moving international environment.
The sharp rise in U.S. tariffs and the ensuing trade tensions in spring 2025 are having a significant impact on the information technology sector, especially in hardware manufacturing, data infrastructure, and software deployment. Increased duties on imported semiconductors, circuit boards, and networking equipment have driven up production and operating costs for tech companies, cloud service providers, and data centers. Firms that depend on globally sourced components for laptops, servers, and consumer electronics are grappling with extended lead times and mounting pricing pressures. At the same time, tariffs on specialized software and retaliatory actions by key international markets have disrupted global IT supply chains and dampened foreign demand for U.S.-made technologies. In response, the sector is ramping up investments in domestic chip production, broadening its supplier network, and leveraging AI-powered automation to improve resilience and manage costs more effectively.
The AI in fintech market research report is one of a series of new reports from The Business Research Company that provides AI in fintech market statistics, including AI in fintech industry global market size, regional shares, competitors with an AI in fintech market share, detailed ai in fintech market segments, market trends and opportunities, and any further data you may need to thrive in the AI in fintech industry. This AI in fintech market research report delivers a complete perspective of everything you need, with an in-depth analysis of the current and future scenarios of the industry.
The ai in fintech market size has grown exponentially in recent years. It will grow from $14.13 billion in 2024 to $17.69 billion in 2025 at a compound annual growth rate (CAGR) of 25.2%. The growth in the historic period can be attributed to risk management and fraud prevention, enhanced customer experience, automation of routine tasks, data analytics for decision-making, algorithmic trading and investment.
The ai in fintech market size is expected to see exponential growth in the next few years. It will grow to $51.08 billion in 2029 at a compound annual growth rate (CAGR) of 30.4%. The growth in the forecast period can be attributed to expanding use of chatbots and virtual assistants, increased focus on regulatory compliance, robo-advisors for wealth management. Major trends in the forecast period include regulatory compliance automation, alternative credit scoring models, cross-selling and upselling recommendations, cybersecurity enhancement with AI, decentralized finance (DeFi) automation.
The forecast of 30.4% growth over the next five years reflects a modest reduction of 0.5% from the previous estimate for this market. This reduction is primarily due to the impact of tariffs between the US and other countries. This is likely to directly affect the US by increasing costs for fraud detection and algorithmic trading systems, dependent on AI accelerators from China and Israel, reducing competitiveness in financial markets. The effect will also be felt more widely due to reciprocal tariffs and the negative effect on the global economy and trade due to increased trade tensions and restrictions.
The imperative for fraud detection within fintech and financial institutions significantly fuels the expansion of AI in the fintech market. Artificial intelligence, powered by machine learning algorithms, has the capacity to assimilate new data, progressively enhancing its learning with each dataset processed. This continuous learning curve enables banks to gain deeper insights through AI technology. A key advantage lies in the algorithm's ability to evolve over time by accumulating and assimilating more data, thus perpetually refining its capabilities. According to PricewaterhouseCoopers's 2022 survey of UK-based financial service providers, 46% of organizations reported incidents of fraud, corruption, or economic crimes in the preceding 24 months. Additionally, as of September 2021, FintechNews reported an unprecedented adoption of AI-based solutions by banks, with investments exceeding $217 billion in AI applications for middle-office functions, particularly in fraud prevention and risk assessment. This pressing need for fraud detection within fintech continues to propel the market growth for AI in fintech.
The increasing number of small-scale enterprises is driving the growth of AI in the fintech market in the future. Small-scale enterprises are defined as businesses that have a relatively limited scope of operations, workforce, and financial resources compared to larger companies. AI (Artificial Intelligence) in fintech provides various applications and advantages for small enterprises, aiding them in streamlining operations, enhancing decision-making, improving customer experiences, and reducing financial risks. For example, a report from Startups.co.uk, a UK-based online resource and advisory platform, indicated in February 2024 that 2023 experienced a significant 19.5% rise in new businesses, totaling 39,966 new establishments. This marks a 6.5% increase compared to the same period in 2022. Thus, the growing number of small-scale enterprises will propel the expansion of AI in the fintech market.
Leading companies in the AI fintech market are concentrating on developing technological innovations, such as AI-infused banking platforms, to improve customer experiences and streamline operations through personalized services, fraud detection, and enhanced risk management. These innovations aim to deliver more efficient and secure financial solutions. An AI-infused banking platform leverages artificial intelligence to improve services such as personalization, fraud detection, and customer support. It enhances operations and decision-making through advanced data analysis and automation. For example, in May 2024, Temenos, a Switzerland-based software firm, introduced Responsible Generative AI Solutions, which improved operational efficiency and decision-making by providing data-driven insights while promoting ethical practices, transparency, and risk mitigation. These solutions encourage innovation and personalization, helping organizations remain competitive in a rapidly changing environment.
Prominent entities within the AI in fintech sector are directing efforts toward pioneering technologies such as AI-based wealth management platforms. These solutions harness the power of artificial intelligence and machine learning algorithms to deliver tailored and automated investment strategies and financial planning services. A case in point is TIFIN, a US-based fintech company, which introduced 'TIFIN.AI' in July 2023. These advancements in wealth management elevate advisory services and product offerings across various spheres, encompassing client portfolio insights for advisors, exploration of alternative investment avenues, workplace wealth management services, and addressing insurance-related considerations, among a spectrum of applications.
In June 2023, CircleUp, a US-based fintech firm, strategically acquired Brightflow AI for an undisclosed sum. This acquisition serves as a pivotal move for CircleUp, aiming to enhance its cash flow management and drive informed decision-making through data-driven insights. By integrating Brightflow AI's financial intelligence toolkit into its operations, CircleUp endeavors to synergize its existing data and machine learning capabilities, thereby pioneering a comprehensive solution tailored specifically for consumer companies seeking strategic guidance in expanding their businesses. Brightflow AI, also based in the US, specializes in providing a robust financial intelligence platform.
Major companies operating in the AI in fintech market include Alphabet Inc., Microsoft Corporation, Klarna Inc., Amazon Web Services Inc., Intel Corporation, International Business Machines Corporation, PayPal Holdings Inc., Square Inc., Salesforce.com Inc., Stripe Inc., Social Finance Inc., Robinhood Markets Inc., Nuance Communications Inc., Affirm Inc., Revolut Ltd., Adyen N.V., Ant Financial Services Group, On Deck Capital Inc., Kabbage Inc., Plaid Inc., IPsoft Inc., Onfido Limited, Betterment LLC, Funding Circle Limited, Wealthfront Corporation, Kensho Technologies Inc., Inbenta Technologies Inc., Trifacta Inc., Next IT Corporation, Zeitgold GmbH, ZestFinance Inc., Ayasdi Inc., FeedzAI inc., Numerai LLC, Riskified Ltd., Oscar Health Inc., Ripple Labs Inc., Chainalysis Inc., ThetaRay Ltd., Darktrace Limited, TruValue Labs Inc., Wealthsimple Inc., TrueAccord Corporation
North America was the largest region in the AI in fintech market in 2024. The regions covered in the ai in fintech market report are Asia-Pacific, Western Europe, Eastern Europe, North America, South America, Middle East, Africa.
The countries covered in the ai in fintech market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Russia, South Korea, UK, USA, Canada, Italy, Spain.
The artificial intelligence (AI) in fintech market consists of sales of web development services, big data development services, custom software development, DevOps services, IoT development services, outsourcing software development. Values in this market are 'factory gate' values, that is the value of goods sold by the manufacturers or creators of the goods, whether to other entities (including downstream manufacturers, wholesalers, distributors and retailers) or directly to end customers. The value of goods in this market includes related services sold by the creators of the goods.
The market value is defined as the revenues that enterprises gain from the sale of goods and/or services within the specified market and geography through sales, grants, or donations in terms of the currency (in USD, unless otherwise specified).
The revenues for a specified geography are consumption values that are revenues generated by organizations in the specified geography within the market, irrespective of where they are produced. It does not include revenues from resales along the supply chain, either further along the supply chain or as part of other products.
AI in FinTech Global Market Report 2025 from The Business Research Company provides strategists, marketers and senior management with the critical information they need to assess the market.
This report focuses on ai in fintech market which is experiencing strong growth. The report gives a guide to the trends which will be shaping the market over the next ten years and beyond.
Where is the largest and fastest growing market for ai in fintech ? How does the market relate to the overall economy, demography and other similar markets? What forces will shape the market going forward, including technological disruption, regulatory shifts, and changing consumer preferences? The ai in fintech market global report from the Business Research Company answers all these questions and many more.
The report covers market characteristics, size and growth, segmentation, regional and country breakdowns, competitive landscape, market shares, trends and strategies for this market. It traces the market's historic and forecast market growth by geography.
The forecasts are made after considering the major factors currently impacting the market. These include the technological advancements such as AI and automation, Russia-Ukraine war, trade tariffs (government-imposed import/export duties), elevated inflation and interest rates.