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市場調查報告書
商品編碼
1435905

數位借貸 - 市場佔有率分析、產業趨勢與統計、成長預測（2024 - 2029）

Digital Lending - Market Share Analysis, Industry Trends & Statistics, Growth Forecasts (2024 - 2029)
出版日期: | 出版商: Mordor Intelligence | 英文 120 Pages | 商品交期: 2-3個工作天內

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簡介目錄

預計到2024年，數位借貸市場規模將達到 4,533.2 億美元，預計到2029年將達到 7,953.4 億美元，在預測期內（2024-2029年）CAGR為 11.90%。

數位借貸 - 市場

主要亮點

  • 由於 Covid-19 大流行，全球中小企業在危機期間面臨籌集資金以維持業務營運的挑戰。
  • 數位貸款預計將在大流行期間找到一些成長和採用的機會，特別是在中小企業中。根據今年的EY Global Banking Outlook，63%的中小企業仍然更喜歡傳統銀行來滿足其財務需求，而由於金融科技貸款機構的增加，56%的中小企業使用銀行和支付金融科技服務。
  • 由於 BFSI 行業數位化的快速採用，多年來貸款格局發生了巨大變化。傳統的貸款形式在世界許多地方仍然盛行。然而，數位解決方案提供者提供的好處擴大為跨企業採用數位借貸解決方案和服務鋪平了道路。
  • 推動市場成長的另一個主要因素是由於數位化銀行和金融服務的許多好處而改變的消費者期望和行為。客戶可能來自不同的背景，可能需要貸款用於各種目的，從個人貸款到中小企業融資和房屋貸款等。 Razorpay 委託 IDC 進行的一項調查顯示，每個中小企業平均每年在銀行業務上花費 816 小時和 320 萬盧比。
  • 此外，智慧型手機的普及等多項技術進步的採用導致多個最終用戶垂直領域對數位銀行的採用有所增加。此外，人工智慧、機器學習和雲端運算等技術也有利於銀行和金融科技，因為它們可以處理大量客戶資訊。然後對這些資料和資訊進行比較，以獲得有關客戶所需的及時服務/解決方案的結果，這有助於發展客戶關係。
  • Aire、Kabbage 和 Kasisto 是全面投資人工智慧的最著名的金融領域新創公司之一。例如，Kabbage 使用人工智慧演算法來評估向特定客戶貸款的所有風險，使公司經理能夠在最短的時間內提供貸款。金融科技和銀行公司消費者對個人化需求的需求進一步增強了對人工智慧的需求。

數位借貸市場趨勢

消費領域預計將以更快的速度成長

  • 全球領先的金融服務技術解決方案提供商 Fiserv, Inc. 最新的期望與體驗消費者趨勢調查表明，近三分之二在過去兩年申請貸款的人現在部分或完全線上申請，較去年有大幅成長。該成長的主要原因是智慧型手機和平板電腦的使用量不斷增加。
  • 此外，數位借貸新創公司已開始為教育和專業課程提供貸款，從主要致力於個人貸款和消費貸款領域擴大。例如，總部位於班加羅爾的 Zest Money 大力投資專業教育貸款。它已經與 Upgrade、NMIMS、Great Learning、Acadgild 和 Edureka 等公司合作，為想要獲得新技能的初級或中級管理人員提供資金。
  • 擁有幾年工作經驗且沒有信用記錄的千禧世代（或新信貸群體）發現他們的貸款若非未獲批准，就是利率很高。此外，在傳統銀行，為小型企業和企業貸款做出決定的時間平均為三到五週；平均兌現時間接近三個月。這些挑戰推動客戶的數位行為轉向行動裝置來存取數位借貸應用程式。
  • 政府法規也促進了數位行為的成長。例如，2023年 1月，印度儲備銀行宣布成立一個透過線上平台和行動應用程式進行數位借貸的工作小組（WG）。該委員會將負責提出具體監管措施。此舉是央行試圖解決向服務不足的客戶提供各種數位貸款的不可靠貸款應用程式的最新舉措。最近，這些平台因採取強制貸款追收手段而受到監管機構的關注。

亞太地區預計將呈現顯著成長

  • 信用合作社使用數位借貸已經相當長一段時間了，但隨著新技術的出現和消費者藉貸的快節奏，數位借貸為會員提供的不僅是無紙化流程，這一點比以往任何時候都更加重要。例如，2022年8月，印度儲備銀行向銀行和非銀行金融公司（NBFC）通報了數位借貸指南，這些銀行和非銀行金融公司透過數位借貸平台發放貸款主要包括第三方的無節制參與、不當銷售、侵犯資料隱私、不公平的商業行為、收取過高的利率、不道德的追償行為。
  • 由於缺乏有效的監管，中國的網路借貸行業在過去十年中快速成長，市場參與者數量不斷增加。然而，根據中國人民銀行的資料，截至5月份，全國持牌金融機構消費貸款餘額為9兆元，佔全國200兆元貸款餘額的不到5%。
  • 印度智慧型手機、網路存取的迅速普及以及消費主義的轉變推動了數位借貸企業的成長。印度目前有 338 家線上借貸新創公司試圖透過無縫流程縮小貸方和債權人之間的差距。
  • 此外，日本政府啟動計劃，向公民灌輸無現金行為。政府發起了2025年將無現金支付比例提高到40%的計劃。隨著2019年10月1日消費稅從8%提高到10%，實施了多項折扣計劃，為商家安裝無現金支付終端提供補貼，並提供消費者在註冊中小企業或特許經營店購買時可享2%或5%的折扣。

數位借貸產業概述

由於有多家解決方案供應商，數位借貸市場的競爭格局較為分散，但沒有一家供應商佔市場多數佔有率。 Funding Circle Limited、On Deck Capital Inc.、Prosper Marketplace, Inc.、LendInvest Limited 和 Bizfi LLCare 等市場參與者進行多項創新，以改善其產品並獲得最大的市場吸引力。市場上的新興參與者策略性地籌集資金，以提供創新和技術整合的解決方案。市場參與者也將策略合作視為一條有利的成長之路。

  • 2023年9月，加密貨幣交易公司Coinbase Global宣布計畫推出數位資產借貸平台，特別針對龐大的機構股東。據報道，該公司已為其新型加密貨幣借貸平台籌集了約 5,700 萬美元。

附加優惠：

  • Excel 格式的市場估算（ME）表
  • 3 個月的分析師支持

目錄

第1章 簡介

  • 研究假設和市場定義
  • 研究範圍

第2章 研究方法

第3章 執行摘要

第4章 市場動態

  • 市場概況
  • 產業利害關係人分析
  • 產業吸引力－波特五力分析
    • 供應商的議價能力
    • 消費者的議價能力
    • 新進入者的威脅
    • 競爭激烈程度
    • 替代產品的威脅
  • 潛在貸款購買者的重要接觸點
  • COVID-19 對數位借貸和相關市場的影響

第5章 市場動態

  • 市場促進因素
    • 具有數位行為的潛在貸款購買者數量不斷增加
  • 市場挑戰
    • 安全問題

第6章 市場細分

  • 依類型
    • 商業
      • 商業數位借貸市場動態
      • 商業數位借貸生態系統（包括新創公司和現有企業）
    • 按消費者
      • 消費者數位借貸市場動態
      • 消費者數位借貸模式（發薪日貸款、點對點貸款、個人貸款、汽車貸款和學生貸款）
      • 消費者數位借貸生態系統（包括新創公司和現有企業）
  • 按地理
    • 北美洲
      • 美國
      • 加拿大
    • 歐洲
      • 英國
      • 德國
      • 法國
      • 歐洲其他地區
    • 亞太地區
      • 中國
      • 印度
      • 日本
      • 亞太地區其他地區
    • 世界其他地區

第7章 競爭格局

  • 公司簡介
    • Funding Circle Limited（Funding Circle Holdings PLC）
    • Bizfi LLC
    • On Deck Capital Inc.
    • Prosper Marketplace Inc.
    • LendInvest Limited
    • LendingClub Corp.
    • Zopa Limited
    • Social Finance Inc.
    • Upstart Network Inc.
    • Kiva Microfunds
    • Kabbage Inc.
    • CAN Capital Inc.
    • Lendingtree Inc.
  • 其他公司簡介
    • Kaspi Bank JSC
    • Klarna Bank AB
    • Ferratum Oyj
    • Provident Bank（Provident Financial Services Inc.）
    • International Personal Finance PLC（IPF）
    • Oriente
    • Faircent
    • LenDenClub
    • CapFloat Financial Services Private Limited
    • Transactree Technologies Private Limited（LendBox）
    • Monexo
    • i-LEND
    • Decimal Technologies Pvt. Ltd.

第8章 投資分析與市場機會

簡介目錄
Product Code: 70790

The Digital Lending Market size is estimated at USD 453.32 billion in 2024, and is expected to reach USD 795.34 billion by 2029, growing at a CAGR of 11.90% during the forecast period (2024-2029).

Digital Lending - Market

Key Highlights

  • Due to the Covid-19 pandemic, SMEs across the globe faced challenges in raising funds during the crisis to keep their businesses operating.
  • Digital Lending is expected to find several opportunities for growth and adoption during the pandemic, especially among SMEs. According to EY Global Banking Outlook this year, 63% of SMEs still prefer traditional banks for their financial needs, whereas 56% use a banking and payments FinTech service due to increasing FinTech lenders.
  • The lending landscape has changed drastically over the years due to the rapid adoption of digitization in the BFSI industry. The traditional form of lending still prevails in many parts of the world. However, the benefits provided by digital solution providers are increasingly paving the way for adopting digital lending solutions and services across enterprises.
  • Another major factor driving the market's growth is the changing consumer expectations and behavior due to the several benefits of digitizing banking and financial services. The customers may range from diversified backgrounds and may require the loan for various purposes ranging from personal loans to SME finance and home loans, amongst many others. According to a survey by IDC commissioned by Razorpay, each SME spends 816 hours and Rs 32 lakh on banking on an average per year.
  • Further, the adoption of several technological advancements, such as the proliferation of smartphones, has led to an increase in the adoption of digital banking across several end-user verticals. Also, technologies like Artificial Intelligence, Machine Learning, and Cloud Computing benefit banks and fintech as they can process vast amounts of customer information. This data and information are then compared to obtain results about timely services/solutions that customers want, which has aided in developing customer relations.
  • Aire, Kabbage, and Kasisto are some of the most prominent financial sector startups that have fully invested in AI. For instance, Kabbage uses AI algorithms that assess all risks of lending money to a particular customer, allowing managers of the company to give loans in minimal time. The demand for personalization of their needs among consumers in the fintech and banking companies has further strengthened the demand for AI.

Digital Lending Market Trends

Consumer segment is expected to grow at a higher pace

  • The latest Expectations & Experiences consumer trends survey from Fiserv, Inc., a leading global provider of financial services technology solutions, states that almost two-thirds of people who have applied for loans in the past two years now do so either partially or fully online, representing a significant increase from last year. A central portion of this growth is due to the increasing usage of smartphones and tablets.
  • Also, Digital lending startups have started giving out loans for education and professional courses, expanding from mainly focusing on personal loans and consumer lending space. For instance, Bengaluru-based Zest Money is betting big on lending for professional education purposes. It has already partnered with players like Upgrade, NMIMS, Great Learning, Acadgild, and Edureka, among others, to provide funds to entry-level- or mid-level executives wanting to acquire new skill sets.
  • Millennials with a few years of work experience and no credit history (or the new-to-credit segment) find their loans either unapproved or come at high interest rates. Moreover, in traditional banks, the time to decide for small businesses and corporate lending averages between three and five weeks; the average time to cash is nearly three months. Such challenges are driving customers' digital behavior to mobile devices to access digital lending applications.
  • Government regulations also augment the increase in digital behavior. For instance, in January 2023, the Reserve Bank of India announced a working group (WG) on digital lending through online platforms and mobile apps. The committee will be responsible for suggesting specific regulatory measures. The move is the latest in the central bank's attempt to tackle fly-by-night lending apps offering various digital loans to underserved customers. Of late, these platforms have been coming under the regulator's glare for adopting coercive means of loan recovery.

Asia-pacific is Expected to Exhibit a Significant Growth Rate

  • Digital lending has been available to credit unions for quite some time, but with new emerging technologies and the fast-paced nature of consumer lending, it is more important than ever that digital lending offers members more than a paperless process. For instance, In August 2022, RBI Notifies Digital Lending Guidelines to banks and non-banking finance companies (NBFCs) that disbursement loans through digital lending platforms primarily relate to the unbridled engagement of third parties, misselling, breach of data privacy, unfair business conduct, charging of exorbitant interest rates, and unethical recovery practices.
  • China's online lending sector has seen rapid growth in the past decade owing to a lack of effective regulations, increasing the number of players in the market studied. However, According to data from the People's Bank of China, outstanding consumer loans at the nation's licensed financial institutions stood at 9 trillion yuan as of May, making up less than 5 percent of the country's total outstanding loans of 200 trillion yuan.
  • The rapid adoption of smartphones, internet access, and a shift toward consumerism in India helped fuel the growth of digital lending enterprises. There are currently 338 online lending start-ups in India trying to reduce the gap between lenders and creditors through a seamless process.
  • Moreover, the government of Japan is launching programs to inculcate cashless behaviors in citizens. The government launched an initiative to increase cashless payments to 40% by 2025. With the consumption tax increase from 8% to 10% on October 1, 2019, several discount schemes were implemented, which subsidized the installation of cashless payment terminals for merchants and provided 2% or 5% discounts for consumers when purchasing from registered SMEs or franchise stores.

Digital Lending Industry Overview

The competitive landscape of the Digital Lending Market is fragmented owing to the presence of several solution providers, with none of them holding a majority share in the market. The market players, such as Funding Circle Limited, On Deck Capital Inc., Prosper Marketplace, Inc., LendInvest Limited, and Bizfi LLCare, are making several innovations to improve their offerings and gain maximum market traction. The emerging players in the market are strategically raising funds to provide innovative and technologically integrated solutions. The market players also view strategic collaborations as a lucrative path toward growth.

  • In September 2023, cryptocurrency exchange company Coinbase Global announced its plan to launch a platform for digital asset lending, especially aimed at huge institutional stockholders. The company has reportedly raised around USD 57 million for its new-fangled crypto-lending platform.

Additional Benefits:

  • The market estimate (ME) sheet in Excel format
  • 3 months of analyst support

TABLE OF CONTENTS

1 INTRODUCTION

  • 1.1 Study Assumptions & Market Definition
  • 1.2 Scope of the Study

2 RESEARCH METHODOLOGY

3 EXECUTIVE SUMMARY

4 MARKETDYNAMICS

  • 4.1 Market Overview
  • 4.2 Industry Stakeholder Analysis
  • 4.3 Industry Attractiveness - Porter's Five Forces Analysis
    • 4.3.1 Bargaining Power of Suppliers
    • 4.3.2 Bargaining Power of Consumers
    • 4.3.3 Threat of New Entrants
    • 4.3.4 Intensity of Competitive Rivalry
    • 4.3.5 Threat of Substitute Products
  • 4.4 Important Touchpoints of Potential Loan Purchasers
  • 4.5 Impact of COVID-19 on the Digital Lending and Allied Markets

5 MARKET DYNAMICS

  • 5.1 Market Drivers
    • 5.1.1 Increasing Number of Potential Loan Purchasers with Digital Behavior
  • 5.2 Market Challenges
    • 5.2.1 Security concerns

6 MARKET SEGMENTATION

  • 6.1 By Type
    • 6.1.1 Business
      • 6.1.1.1 Business Digital Lending Market Dynamics
      • 6.1.1.2 Business Digital Lending Ecosystem (including both Startups and Incumbents)
    • 6.1.2 By Consumer
      • 6.1.2.1 Consumer Digital Lending Market Dynamics
      • 6.1.2.2 Consumer Digital Lending Models (Payday Lenders, Peer-to-peer Loans, Personal Loans, Auto Loans, and Student Loans)
      • 6.1.2.3 Consumer Digital Lending Ecosystem (including both Startups and Incumbents)
  • 6.2 By Geography
    • 6.2.1 North America
      • 6.2.1.1 United States
      • 6.2.1.2 Canada
    • 6.2.2 Europe
      • 6.2.2.1 United Kingdom
      • 6.2.2.2 Germany
      • 6.2.2.3 France
      • 6.2.2.4 Rest of Europe
    • 6.2.3 Asia Pacific
      • 6.2.3.1 China
      • 6.2.3.2 India
      • 6.2.3.3 Japan
      • 6.2.3.4 Rest of Asia Pacific
    • 6.2.4 Rest of the World

7 COMPETITIVE LANDSCAPE

  • 7.1 Company Profiles
    • 7.1.1 Funding Circle Limited (Funding Circle Holdings PLC)
    • 7.1.2 Bizfi LLC
    • 7.1.3 On Deck Capital Inc.
    • 7.1.4 Prosper Marketplace Inc.
    • 7.1.5 LendInvest Limited
    • 7.1.6 LendingClub Corp.
    • 7.1.7 Zopa Limited
    • 7.1.8 Social Finance Inc.
    • 7.1.9 Upstart Network Inc.
    • 7.1.10 Kiva Microfunds
    • 7.1.11 Kabbage Inc.
    • 7.1.12 CAN Capital Inc.
    • 7.1.13 Lendingtree Inc.
  • 7.2 Additional Company Profiles
    • 7.2.1 Kaspi Bank JSC
    • 7.2.2 Klarna Bank AB
    • 7.2.3 Ferratum Oyj
    • 7.2.4 Provident Bank (Provident Financial Services Inc.)
    • 7.2.5 International Personal Finance PLC (IPF)
    • 7.2.6 Oriente
    • 7.2.7 Faircent
    • 7.2.8 LenDenClub
    • 7.2.9 CapFloat Financial Services Private Limited
    • 7.2.10 Transactree Technologies Private Limited (LendBox)
    • 7.2.11 Monexo
    • 7.2.12 i-LEND
    • 7.2.13 Decimal Technologies Pvt. Ltd.

8 INVESTMENT ANALYSIS AND MARKET OPPORTUNITIES