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市場調查報告書

金融科技的AI (人工智能):機器人顧問、融資、保險科技、legTec (2018-2022年)

AI (Artificial Intelligence) in Fintech: Roboadvisors, Lending, Insurtech & Regtech 2018-2022

出版商 Juniper Research 商品編碼 365304
出版日期 內容資訊 英文
商品交期: 最快1-2個工作天內
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金融科技的AI (人工智能):機器人顧問、融資、保險科技、legTec (2018-2022年) AI (Artificial Intelligence) in Fintech: Roboadvisors, Lending, Insurtech & Regtech 2018-2022
出版日期: 2018年01月17日 內容資訊: 英文
簡介

本報告提供FinTech (金融科技) 部門的AI (人工智能) 的相關調查,金融科技影響AI主導的發展的法規形勢,服務供應商展開AI主導的金融科技服務時應採取的策略,金融科技市場上AI形成的主要趨勢,相關利益者可利用的策略性機會,及金融科技中AI的商機等相關彙整。

第1章 要點、策略建議

第2章 金融科技的AI:簡介

  • 簡介
  • 金融對產業的影響
  • 投資形勢
  • 主要市場勢力

第3章 AI:金融科技的破壞

  • 機器人顧問
  • 聊天機器人
  • 融資
  • 保險科技 (Insurtech:保險+技術)
  • legTec (Regtech:法規+技術) & 詐欺

第3章 金融科技的AI:供應商分析

  • 簡介
  • Juniper Leaderboard
  • Juniper Leaderboard:評分結果
  • 具有實力的人
  • 業者簡介
    • ComplyAdvantage
    • Kabbage
    • Lemonade
    • Onfido
    • Scalable Capital
    • Sentient Technologies
    • The Floow
    • Tractable
    • Upstart
    • Wealthfront
    • ZestFinance

第5章 金融科技的AI:市場預測

  • 簡介
  • 預測的前提條件 & 手法
  • 機器人顧問
  • 消費者金融
  • AI保險科技
  • AIlegTec:KYC

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目錄

Overview

Juniper's latest AI in Fintech research highlights how the financial industry is being further disrupted through novel use of AI (artificial intelligence) to deliver services in a manner that upends traditional, cumbersome services.

Juniper's incisive research provides unique insights into the market, examining key regulatory forces, service provider challenges alongside recommendations and strategic opportunities.

The analysis covers key industry service segments, including:

  • Roboadvisors
  • Chatbots
  • Lending
  • Insurance
  • Regulatory Compliance & Fraud

This research suite comprises:

  • Market Trends & Competitive Landscape (PDF)
  • 5 Year Market Sizing & Forecast (PDF & Excel)

Key Features

  • Sector Dynamics: AI drivers, Regional regulatory landscape analysis, strategic opportunities and recommendations for:
    • Roboadvisors
    • Chatbots
    • Lending
    • Insurance
    • Regulatory Compliance & Fraud
  • Investment Landscape: analysis of VC investment in AI in Fintech, covering:
    • 100 venture-backed companies
    • Breakdown of AI focus
    • Total investment received
  • Juniper Leaderboard: Key player capability and capacity assessment for 12 emerging AI in Fintech service providers.
  • Benchmark industry forecasts: market segment forecasts for key AI in Fintech verticals, including:
    • Roboadvisors
    • Consumer Lending
    • Insurance
    • Regulatory Compliance

Key Questions

  • 1. How is the regulatory landscape expected to impact the development of AI-driven services in Fintech?
  • 2. Which strategies should service providers look to apply when developing AI-driven Fintech services?
  • 3. What are the key trends shaping the AI in Fintech market?
  • 4. What are the strategic opportunities available to stakeholders?
  • 5. What is the size of the revenue opportunity for AI in Fintech?

Companies Referenced:

  • Profiled: ComplyAdvantage, Elliptic, Kabbage, Lemonade, Onfido, Scalable, Capital, Sentient Technologies, The Floow, Tractable, Upstart, Wealthfront, ZestFinance.
  • Mentioned: Active.ai, Acuity Trading, Affirm, Ageas, Agero, AIA (American Insurance Association), Aidyia Limited, AIM, Aire, Alchemedia, Algoriz, Allianz, Alpaca, AlphaSense, Alpine Data Labs, Amazon, American Express, Anodot, Apple, Applied Data Finance, AppZen, Argon Credit, Argyle Data, Ascensus, ASEAN (Association of Southeast Asia Nations), Avant, AXA, Ayasdi, Baidu, BehavioSec, Bigstream Solutions, Binatix, BlackRock, Bosch, Cape Analytics, Captricity, CFPB (Consumer Financial Protection Bureau), Change Labs, Charles Schwab, Checkrecipient, Citibank, Clarity Money, Cleo, Clinc, Clone Algo, CognitiveScale, Coinbase, CollectAI, Context Relevant, cortical.io, Couchsurfing, Creamfinance, Credit Suisse, CreditVidya, Cyence, Dataminr, DataRobot, Descartes Labs, Deutsche Bundesbank, Digit, Digital Asset Holdings, Digital Reasoning Systems, Dimebox, Direct Line, Domeyard, EBA (European Banking Authority), eBay, EIOPA (European Insurance & Occupation Pensions Authority), Encompass Corporation, Endeca/Oracle, Equifax, ESMA (European Securities & Markets Authority), Etsy, Experian, Facebook, FCA (Financial Conduct Authority), FeedStock, FeedZai, Float, Ford, Form3, Fortia Financial Solutions, ForwardLane, Fosun Group, Fount, Fraugster, FutureAdvisor, Fyle Technologies, Gem, Google, Groupe PSA, H2O.ai, Habito, Homebot, Horizons Ventures, HSBC, Indico Data Solutions, ING, iSentium, IWF (Internet Watch Foundation), James, JD.com, Jewel Paymentech, Kasisto, Kensho Technologies, Lending Club, LexisNexis, Lloyd's of London, Lucena Research, M Systems, Mastercard, Microsoft, Mitchell, MoneyLion, Naborly, NAIC (National Association of Insurance Commissioners), Narrative Science, NCIB (National Insurance Crime Bureau), NetChain Squared, Neurensic, Nissan, Numenta, Numerai, OCC (Office of the Comptroller of the Currency), Opera Solutions, Orbital Insight, Paxata, Payment Rails, PayPal, Penny App, Personetics Technologies, Pit.ai, Powermat, PredicSis, PwC, QuickBooks, Railsbank, Rakuten, Redfin, Renault, RiskGenius, Sage, Salesforce, SanDisk, Santander, Scotiabank, SEC (Securities & Exchange Commission), Shift Technology, Siemens, Sift Science, Signal Media, SigOpt, Silvergate Bank, Skytree, SmartZip Analytics, Socure, SoftBankm Stripe, Tata Communications, Trifacta, Trim, TrueAccord, Trumid, UberEATS, Understory, Vanguard, Venmo, Wag, Walnut Algorithms, WeCash, Wint, Wonga, WorkFusion, Xero, XL Catlin, Y Combinator, Zeitgold, Zendrive, Zipcar, Zurich.

Data & Interactive Forecast

Juniper's AI in Fintech forecast suite includes:

  • Segment splits for:
    • Roboadvisors
    • Consumer Lending
    • Insurance
    • Regulatory Compliance
  • Regional splits for 8 key regions, as well as country level data splits for:
    • Brazil
    • Canada
    • China
    • Denmark
    • France
    • India
    • Germany
    • Japan
    • Mexico
    • Norway
    • Portugal
    • Spain
    • Sweden
    • UK
    • US
  • Interactive Scenario Tool allowing users to manipulate Juniper's data for 6 different metrics.
  • Access to the full set of forecast data of 27 tables and over 3,100 datapoints.

Juniper Research's highly granular interactive Excels enable clients to manipulate Juniper's forecast data and charts to test their own assumptions using the Interactive Scenario Tool; and compare select markets side by side in customised charts and tables. IFxls greatly increase clients' ability to both understand a particular market and to integrate their own views into the model.

Table of Contents

1. Key Takeaways & Strategic Recommendations

  • 1.1. Key Takeaways
    • Figure 1.1: AI in Fintech Market Forecast Snapshot, 2022
  • 1.2. Strategic Recommendations

2. AI in Fintech: Introduction

  • 2.1. Introduction
    • Figure 1.1: AI Skills in Fintech
  • 2.2. Impact on the Financial Industry
  • 2.3. Investment Landscape
    • Figure 1.2: AI in Fintech Funding, Split by Application/Service Field, Selected Companies 2004-2017
    • Table 1.3: AI in Fintech VC Funding
  • 2.4. Key Market Forces
    • 2.4.1. Data
      • Figure 1.4: Natural Language Classification Algorithm Performance, According to Number of Words in the Dataset
    • 2.4.2. Cost
    • 2.4.3. Regulation
    • 2.4.4. Overhype

3. AI: Disruption in Fintech

  • 3.1. Roboadvisors
    • 3.1.1. AI Drivers
      • Case Study: Scalable Capital
    • 3.1.2. Regulatory Environment in Key Markets
      • i. US
      • ii. UK
      • iii. EU
    • 3.1.3. Opportunities & Recommendations
      • Table 2.1: AI Roles in Roboadvisors
      • i. Conclusions
  • 3.2. Chatbots
    • 3.2.1. AI Drivers
      • Case Study: AMEX Bot
    • 3.2.2. Regulatory Environment
      • i. Complaints - US
      • ii. Complaints - EU
    • 3.2.3. Opportunities & Recommendations
  • 3.3. Lending
    • 3.3.1. AI Drivers
      • Case Study: Upstart
    • 3.3.2. Regulatory Environment
      • i. US
      • ii. EU
    • 3.3.3. Opportunities & Recommendations
  • 3.4. Insurtech
    • 3.4.1. AI Drivers
      • Case Study: Tractable
    • 3.4.2. Regulatory Environment
      • i. US
      • ii. UK
    • 3.4.3. Opportunities & Recommendations
  • 3.5. Regtech & Fraud
    • 3.5.1. AI Drivers
      • i. AML (Anti Money-Laundering) & Fraud
      • ii. KYC (Know Your Customer)
        • Case Study: Feedzai
    • 3.5.2. Regulatory Environment
      • i. US
      • ii. UK
      • iii. Global
    • 3.5.3. Opportunities & Recommendations

4. AI in Fintech: Vendor Analysis

  • 4.1. Introduction
  • 4.2. Juniper Leaderboard
    • Table 3.1: AI Fintech Vendor Capability Assessment Criteria
  • 4.3. Leaderboard Scoring Results
    • Table 3.2: AI Fintech Leaderboard
    • Figure 3.3: AI Fintech Leaderboard
    • 4.3.1. Vendor Groupings
      • i. Established Leaders
      • ii. Leading Challengers
      • iii. Disruptors & Emulators
  • 4.4. AI in Fintech Movers & Shakers
  • 4.5. Vendor Profiles
    • 4.5.1. ComplyAdvantage
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High Level View of Offering
      • v. Juniper's View: Vendor's Key Strengths & Strategic Development Opportunities
    • 4.5.3. Kabbage
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High Level View of Offering
      • v. Juniper's View: Vendor's Key Strengths & Strategic Development Opportunities
    • 4.5.4. Lemonade
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High Level View of Offering
      • v. Juniper's View: Vendor's Key Strengths & Strategic Development Opportunities
    • 4.5.5. Onfido
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High Level View of Offering
      • v. Juniper's View: Vendor's Key Strengths & Strategic Development Opportunities
    • 4.5.6. Scalable Capital
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High Level View of Offering
      • v. Juniper's View: Vendor's Key Strengths & Strategic Development Opportunities
    • 4.5.7. Sentient Technologies
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High Level View of Offering
      • v. Juniper's View: Vendor's Key Strengths & Strategic Development Opportunities
    • 4.5.8. The Floow
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High Level View of Offering
      • v. Juniper's View: Vendor's Key Strengths & Strategic Development Opportunities
    • 4.5.9. Tractable
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High Level View of Offering
      • v. Juniper's View: Vendor's Key Strengths & Strategic Development Opportunities
    • 4.5.10. Upstart
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High Level View of Offering
      • v. Juniper's View: Vendor's Key Strengths & Strategic Development Opportunities
    • 4.5.11. Wealthfront
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High Level View of Offering
      • v. Juniper's View: Vendor's Key Strengths & Strategic Development Opportunities
    • 4.5.12. ZestFinance
      • i. Corporate
      • ii. Geographic Spread
      • iii. Key Clients & Strategic Partnerships
      • iv. High Level View of Offering
      • v. Juniper's View: Vendor's Key Strengths & Strategic Development Opportunities

5. AI in Fintech: Market Forecasts

  • 5.1. Introduction
  • 5.2. Assumptions & Methodology
    • Figure 4.1: Roboadvisor Methodology
    • Figure 4.2: Consumer Lending Methodology
    • Figure 4.3: Insurtech Methodology
    • Figure 4.4: Regtech Methodology
  • 5.3. Roboadvisors
    • 5.3.1. Assets Under Management
      • Figure & Table 4.5: Total Roboadvisor AUM ($bn), Split by 8 Key Regions, 2017-2022
    • 5.3.2. Platform Revenues
      • Figure & Table 4.6: Roboadvisor Service Provider Platform Revenues ($m), Split by 8 Key Regions 2017-2022
  • 5.4. Consumer Lending
    • 5.4.1. Unsecured Loans Origination
      • Figure & Table 4.7: Total Value of Unsecured Consumer Loans Originated ($m), Split by 8 Key Regions 2017-2022
    • 5.4.2. Platform Revenues
      • Figure & Table 4.8: Service Provider Platform Revenues from Unsecured Consumer Loans ($m), Split by 8 Key Regions 2017-2022
  • 5.5. AI Insurtech
    • Figure & Table 4.9: Total Insurtech Premiums Generated by AI Systems ($m) Split by 8 Key Regions 2017-2022
  • 5.6. AI Regtech: KYC
    • Figure & Table 4.10: Total Cost Saving on KYC Checks Utilising AI Systems ($m), Split by 8 Key Regions 2017-2022
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