市場調查報告書
商品編碼
1390463
數位借貸平台市場:2023-2028 年全球產業趨勢、佔有率、規模、成長、機會與預測Digital Lending Platform Market: Global Industry Trends, Share, Size, Growth, Opportunity and Forecast 2023-2028 |
2022年,全球數位借貸平台市場規模達到100億美元。展望未來, IMARC Group預計到2028年市場規模將達到234億美元,2022-2028年複合年成長率(CAGR)為15.22%。與其他金融科技服務的合作越來越多,創造了更全面的金融生態系統,網路和智慧型手機的可用性不斷提高,以及 P2P 借貸的日益普及,是推動市場的一些主要因素。
數位借貸平台是一個線上平台,可以方便資金借貸,而無需銀行等傳統實體機構。它使個人、企業甚至機構能夠透過數位管道連接和交易貸款和信貸,通常簡化申請、批准和支付流程。它的範圍可以從點對點借貸到更複雜的金融技術解決方案,涉及自動化、資料分析和人工智慧來評估信用度和管理風險。
與其他金融科技服務和應用程式的合作越來越多,創造了一個更有凝聚力和更全面的金融生態系統,正在加強全球市場的成長。此外,網路和智慧型手機的廣泛普及,使數位借貸平台更容易為更廣泛的受眾所使用,有利於市場的成長。此外,根據個人喜好個人化使用者介面和體驗的能力不斷增強,增強了使用者參與度,有助於市場成長。除此之外,P2P借貸(個人可以透過線上平台相互借貸)的日益普及正在對市場產生積極影響。此外,越來越多的中小企業(SME)尋求業務擴張資金正在推動市場的成長。
金融包容性的提高
數位借貸平台為以前服務不足或沒有銀行帳戶的人群打開了金融服務的大門。這些平台使用替代資料進行信用評估,為沒有傳統信用記錄的個人提供貸款。透過打破地理障礙和利用行動技術,數位貸款正在到達偏遠地區,並為更廣泛的金融包容性做出貢獻。這創造了巨大的需求,特別是在傳統銀行服務可能有限的新興市場。
對便利性的期望上升
在當今快節奏的世界中,人們越來越尋求便利、快速的金融服務。這個數位借貸平台透過線上管道提供快速、無縫的貸款申請和批准來滿足這一需求。數位借貸平台提供 24/7 全天候的個人化服務,使借款人能夠在方便的時候申請貸款,從而推動對這些平台的需求。
不斷成長的監管支援和合規性
世界各地的監管機構越來越認知到數位借貸平台的潛力,並透過有利的監管提供支援。這些政策旨在保護消費者、維護金融體系的完整性並促進創新。此外,資料隱私法和透明借貸實踐指南的引入確保了數位借貸平台在值得信賴的法律框架內運作。這種監管支持在建立人們對數位借貸平台的信心方面發揮了關鍵作用,從而推動了他們的需求。
IMARC Group提供了全球數位借貸平台市場報告各細分市場主要趨勢的分析,以及 2023 年至 2028 年全球、區域和國家層面的預測。我們的報告根據類型、組件、部署模型和垂直行業對市場進行了分類。
貸款發放
決策自動化
收集和恢復
風險與合規管理
其他
貸款發放主導市場
該報告根據類型提供了詳細的市場細分和分析。這包括貸款發放、決策自動化、催收和回收、風險和合規管理等。根據該報告,貸款發放佔最大部分。它專注於貸款的初始階段,幫助貸款人和借款人完成申請和批准流程。它簡化了申請提交、文件驗證、信用評估和核准流程。它透過自動化和數位介面確保借款人和貸方獲得更順暢、更快速的體驗。
決策自動化平台利用資料分析和機器學習 (ML) 等技術來評估借款人的信用度並確定貸款條款。這些平台使用各種資料來源來做出更明智的貸款決策,其中可以包括傳統的信用評分以及社交媒體活動、交易歷史等替代資料。
解決方案
服務
解決方案佔據最大市場佔有率
報告還提供了基於組件的詳細市場細分和分析。這包括解決方案和服務。報告稱,解決方案佔據了最大的市場佔有率。在數位借貸平台的背景下,解決方案是指促進借貸流程各個方面的基於軟體和技術的工具。這些解決方案可以包括支援貸款發放、信用評估、風險管理、催收等的軟體應用程式或平台。它們旨在自動化和簡化貸款工作流程,使貸款人和借款人更有效率和方便用戶使用。解決方案還可以包含線上申請表、即時資料分析、決策演算法和安全數位文件儲存等功能。
數位借貸平台的服務涉及向平台用戶提供的專業和技術支援。這種支援可以包括諮詢、培訓、客戶服務、技術援助和其他形式的指導。服務對於確保用戶了解如何有效利用平台的解決方案並解決借貸過程中可能出現的任何問題至關重要。此外,服務可能涉及對平台的持續維護、更新和改進,以使其符合不斷變化的行業趨勢和法規。
本地
基於雲端
本地主導市場
該報告根據部署模型對市場進行了詳細的細分和分析。這包括本地和基於雲端的。根據該報告,本地佔最大部分。本地部署模式是指在使用數位借貸平台軟體和基礎設施的組織的實體場所內安裝和運行數位借貸平台軟體和基礎設施。在此設定中,所有硬體、伺服器、資料庫和軟體元件均由組織的 IT 團隊管理和維護。本地部署可以更好地控制資料安全和客製化,並能夠滿足特定的法規要求。
基於雲端的部署模式涉及將數位借貸平台軟體和基礎設施託管在由第三方雲端服務供應商管理的遠端伺服器上。這消除了組織投資和管理自己的硬體和資料中心的需要。基於雲端的部署提供了可擴展性、靈活性並降低了前期成本,因為資源可以根據需求擴展或縮減。它還允許更輕鬆的遠端存取和更新。
銀行
保險公司
信用社
儲蓄貸款協會
點對點借貸
其他
銀行主導市場
報告還提供了基於垂直行業的詳細市場細分和分析。這包括銀行、保險公司、信用合作社、儲蓄和貸款協會、點對點借貸等。報告稱,銀行是最大的細分市場。他們可以利用數位借貸平台簡化借貸流程,為客戶提供更方便的體驗。這些平台可以實現線上貸款申請、自動信用評估和快速核准流程。銀行可以透過將此類平台整合到其營運中來提高客戶滿意度並減少發放貸款所需的時間。
保險公司可以使用數位借貸平台為保單持有人提供優質融資選擇。這使得保單持有人可以隨著時間的推移分攤他們的保險費支付,這使得他們更容易管理。該平台可以促進貸款申請、信用評估和還款流程,使保單持有人能夠維持其保險範圍而不會出現重大財務壓力。
北美洲
美國
加拿大
亞太
中國
日本
印度
韓國
澳洲
印尼
其他
歐洲
德國
法國
英國
義大利
西班牙
俄羅斯
其他
拉丁美洲
巴西
墨西哥
其他
中東和非洲
北美表現出明顯的主導地位,佔據最大的數位借貸平台市場佔有率
該報告還對所有主要區域市場進行了全面分析,其中包括北美(美國和加拿大);亞太地區(中國、日本、印度、韓國、澳洲、印尼等);歐洲(德國、法國、英國、義大利、西班牙、俄羅斯等);拉丁美洲(巴西、墨西哥等);以及中東和非洲。報告稱,北美佔據最大的市場佔有率。
線上銀行服務的日益普及是推動北美地區數位借貸平台需求的關鍵因素之一。此外,對數位自動化的日益重視正在促進該地區的市場成長。除此之外,網路威脅的不斷增加正在對該地區的市場產生積極影響。
由於中小企業數量不斷增加、對高效信用評估、先進技術整合等的需求不斷增加,亞太地區預計將穩定成長。
領先公司正在採用人工智慧 (AI)、機器學習 (ML) 等先進技術來自動化和改進貸款的各個方面,包括信用風險評估、詐欺檢測和客戶服務。這些技術可以分析大量資料,以做出更準確的貸款決策,並根據個人資料提供個人化貸款。他們還整合區塊鏈技術,透過提供防篡改和共享的數位帳本來提高借貸的透明度、安全性和效率。它可用於驗證借款人身分、記錄貸款交易以及簡化跨境貸款流程。此外,主要參與者正在部署巨量資料分析和機器人流程自動化(RPA),使貸款人能夠分析傳統信用評分之外更廣泛的資料來源。社群媒體活動、交易歷史和其他替代資料可以提供更全面的借款人信用度視圖。這些進步也涉及貸款流程中重複性和基於規則的任務的自動化。
黑騎士公司
菲納斯特拉
FIS
費瑟夫公司
智力設計競技場股份有限公司
洲際交易所公司
Nucleus 軟體出口有限公司
佩加系統公司
魯斯特菲公司
塔萬特科技公司
維普羅有限公司。
2020 年,Roostify Inc. 與 Google Cloud 合作,利用 Google Cloud 人工智慧 (AI) 和機器學習 (ML) 功能幫助貸方更快速、更輕鬆地處理抵押貸款申請。
2021 年,Nucleus Software Exports Ltd. 與 TPBank 合作增強其數位商務。 FinnOne Neo 協助 TPBank 提供即時數位貸款、提高流程效率並改善信用評估。
The global digital lending platform market size reached US$ 10.0 Billion in 2022. Looking forward, IMARC Group expects the market to reach US$ 23.4 Billion by 2028, exhibiting a growth rate (CAGR) of 15.22% during 2022-2028. The increasing number of collaborations with other fintech services that create a more comprehensive financial ecosystem, rising availability of the internet and smartphones, and the growing popularity of P2P lending, are some of the major factors propelling the market.
A digital lending platform is an online platform that facilitates the borrowing and lending of funds without the need for traditional brick-and-mortar institutions like banks. It enables individuals, businesses, or even institutions to connect and transact loans and credit through digital channels, often streamlining the application, approval, and disbursement processes. It can range from peer-to-peer lending to more complex financial technology solutions that involve automation, data analytics, and artificial intelligence to assess creditworthiness and manage risk.
The increasing number of collaborations with other fintech services and apps that create a more cohesive and comprehensive financial ecosystem, is strengthening the growth of the market around the world. Moreover, the widespread availability of the internet and smartphones, which make digital lending platforms more accessible to a broader audience, is favoring the growth of the market. In addition, the rising ability to personalize user interfaces and experiences to individual preferences enhances user engagement, is contributing to the market growth. Apart from this, the growing popularity of P2P lending, wherein individuals can lend to each other through online platforms, is influencing the market positively. Furthermore, the increasing number of small and medium sized enterprises (SMEs) seeking funding for business expansion is propelling the growth of the market.
Increase in financial inclusion
Digital lending platforms have opened the doors to financial services for previously underserved or unbanked populations. Using alternative data for credit assessment, these platforms provide access to loans for individuals without traditional credit histories. By breaking down geographical barriers and leveraging mobile technology, digital lending is reaching remote areas and contributing to broader financial inclusion. This has created a significant demand, particularly in emerging markets where conventional banking services may be limited.
Rise in expectation for convenience
In today's fast-paced world, people are increasingly seeking convenience and rapid access to financial services. The digital lending platform caters to this demand by offering swift and seamless loan applications and approvals through online channels. Digital lending platforms provide personalized services accessible 24/7, which enables borrowers to apply for loans at their convenience, thus driving demand for these platforms.
Growing regulatory support and compliance
Regulatory bodies around the world are increasingly recognizing the potential of digital lending platforms and offering support through conducive regulations. These policies are crafted to protect consumers, maintain the integrity of the financial system, and promote innovation. Moreover, the introduction of data privacy laws and guidelines for transparent lending practices ensures that the digital lending platforms operate within a trustworthy legal framework. This regulatory support has played a key role in establishing confidence in digital lending platforms, consequently driving their demand.
IMARC Group provides an analysis of the key trends in each segment of the global digital lending platform market report, along with forecasts at the global, regional and country levels from 2023-2028. Our report has categorized the market based on type, component, deployment model and industry vertical.
Loan Origination
Decision Automation
Collections and Recovery
Risk and Compliance Management
Others
Loan origination dominates the market
The report has provided a detailed breakup and analysis of the market based on the type. This includes loan origination, decision automation, collections and recovery, risk and compliance management, and others. According to the report, loan origination represented the largest segment. It focuses on the initial stages of lending, which helps lenders and borrowers with the application and approval process. It streamlines the application submission, documentation verification, credit assessment, and approval processes. It ensures a smoother and faster experience for both borrowers and lenders through automation and digital interfaces.
Decision automation platforms leverage technology, such as data analytics and machine learning (ML) to assess a borrower's creditworthiness and determine the terms of the loan. These platforms use a variety of data sources to make more informed lending decisions, which can include traditional credit scores, and alternative data like social media activity, transaction history, and more.
Solutions
Services
Solutions hold the largest share in the market
A detailed breakup and analysis of the market based on the component has also been provided in the report. This includes solutions and services. According to the report, solutions accounted for the largest market share. In the context of a digital lending platform, solutions refer to the software and technology-based tools that facilitate various aspects of the lending process. These solutions can include software applications or platforms that enable loan origination, credit assessment, risk management, collections, and more. They are designed to automate and streamline the lending workflow, making it more efficient and user-friendly for both lenders and borrowers. Solutions can also encompass features like online application forms, real-time data analysis, decision-making algorithms, and secure digital document storage.
Services of a digital lending platform involve the professional and technical support provided to users of the platform. This support can include consulting, training, customer service, technical assistance, and other forms of guidance. Services are essential to ensure that users understand how to effectively utilize the platform's solutions and to address any issues that may arise during the lending process. Additionally, services might involve ongoing maintenance, updates, and improvements to the platform to keep it aligned with changing industry trends and regulations.
On-premises
Cloud-based
On-premises dominate the market
The report has provided a detailed breakup and analysis of the market based on the deployment model. This includes on-premises and cloud-based. According to the report, on-premises represented the largest segment. An on-premises deployment mode refers to the installation and operation of the digital lending platform software and infrastructure within the physical premises of the organization using it. In this setup, all hardware, servers, databases, and software components are managed and maintained by the IT team of an organization. On-premises deployment offers greater control over data security and customization, as well as the ability to meet specific regulatory requirements.
A cloud-based deployment mode involves hosting the digital lending platform software and infrastructure on remote servers managed by a third-party cloud service provider. This eliminates the need for organizations to invest in and manage their own hardware and data centers. Cloud-based deployment offers scalability, flexibility, and reduced upfront costs since resources can be scaled up or down based on demand. It also allows for easier remote access and updates.
Banks
Insurance Companies
Credit Unions
Savings and Loan Associations
Peer-to-Peer Lending
Others
Banks dominate the market
A detailed breakup and analysis of the market based on the industry vertical has also been provided in the report. This includes banks, insurance companies, credit unions, savings and loan associations, peer-to-peer lending, and others. According to the report, banks represented the largest segment. They can leverage digital lending platforms to streamline their lending processes and offer a more convenient experience to customers. These platforms can enable online loan applications, automated credit assessments, and quick approval processes. Banks can enhance customer satisfaction and reduce the time it takes to disburse loans by integrating such platforms into their operations.
Insurance companies can use digital lending platforms to offer premium financing options to policyholders. This allows policyholders to spread out their insurance premium payments over time, which makes it more manageable for them. The platform can facilitate the loan application, credit evaluation, and repayment process, which enables policyholders to maintain their coverage without significant financial strain.
North America
United States
Canada
Asia-Pacific
China
Japan
India
South Korea
Australia
Indonesia
Others
Europe
Germany
France
United Kingdom
Italy
Spain
Russia
Others
Latin America
Brazil
Mexico
Others
Middle East and Africa
North America exhibits a clear dominance, accounting for the largest digital lending platform market share
The report has also provided a comprehensive analysis of all the major regional markets, which include North America (the United States and Canada); Asia Pacific (China, Japan, India, South Korea, Australia, Indonesia, and others); Europe (Germany, France, the United Kingdom, Italy, Spain, Russia, and others); Latin America (Brazil, Mexico, and others); and the Middle East and Africa. According to the report, North America accounted for the largest market share.
The increasing adoption of online banking services represents one of the key factors driving the demand for digital lending platforms in the North America region. Moreover, the rising emphasis on digital automation is bolstering the market growth in the region. Besides this, the growing instances of cyber threats are influencing the market positively in the region.
Asia Pacific is estimated to witness stable growth, owing to the increasing number of small and medium-sized enterprises (SMEs), rising need for efficient credit assessment, integration of advanced technologies, etc.
Leading companies are incorporating advanced technologies, such as artificial intelligence (AI), machine learning (ML) to automate and improve various aspects of lending, including credit risk assessment, fraud detection, and customer service. These technologies can analyze vast amounts of data to make more accurate lending decisions and personalize loan offers based on individual profiles. They are also integrating blockchain technology that can enhance transparency, security, and efficiency in lending by providing a tamper-proof and shared digital ledger. It can be used for verifying borrower identities, recording loan transactions, and streamlining cross-border lending processes. Moreover, key players are deploying big data analytics and robotic process automation (RPA) that allow lenders to analyze a broader range of data sources beyond traditional credit scores. Social media activity, transaction history, and other alternative data can provide a more comprehensive view of the creditworthiness of a borrower. These advancements also involve automating repetitive and rule-based tasks in the lending process.
Black Knight Inc.
Finastra
FIS
Fiserv Inc.
Intellect Design Arena Ltd
Intercontinental Exchange Inc.
Nucleus Software Exports Ltd.
Pegasystems Inc.
Roostify Inc.
Tavant Technologies
Wipro Limited.
In 2020 Roostify Inc. partnered with Google Cloud to utilize Google Cloud artificial intelligence (AI) and machine learning (ML) functionality to help lenders process mortgage applications more rapidly and easily.
In 2021, Nucleus Software Exports Ltd. partnered with TPBank to enhance its digital commerce. FinnOne Neo assisted TPBank in providing instant digital loans, increasing process e?ciency, and improving credit evaluations.