핀테크 신기술 시장 - 세계 및 지역별 분석 : 용도별, 기술별, 국가별 - 분석과 예측(2024-2034년)

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Global Emerging Technology in Fintech Market Overview

The global emerging technology in fintech market, valued at $231.30 billion in 2023, is expected to reach $2,830.76 billion by 2034, exhibiting a robust CAGR of 24.41% during the forecast period 2024-2034. One of the primary drivers for the growth of the emerging technology in fintech market is the increasing demand for digital financial solutions, fueled by the rapid adoption of mobile banking, digital payments, and AI-driven services. Additionally, advancements in blockchain technology, coupled with the push for financial inclusion and enhanced security features, have been further accelerating the adoption of innovative fintech solutions across both developed and emerging markets. A favorable regulatory environment and partnerships between fintech companies and traditional financial institutions also support this growth.

Introduction to Emerging Technology in Fintech Market

The emerging technology in fintech market has been transforming the global financial services landscape by integrating advanced technological innovations such as artificial intelligence (AI), blockchain, cloud computing, and big data analytics into traditional financial systems. These technologies enable financial institutions and fintech companies to offer more efficient, secure, and personalized services across various sectors, including payments, lending, wealth management, insurance, and digital currencies. As consumer expectations evolve and demand for seamless, real-time financial solutions rises, fintech has been increasingly playing a pivotal role in reshaping how individuals and businesses interact with financial products. The industry's rapid expansion has been driven by the growing digitalization of finance and a shift toward mobile-first, customer-centric services.

With a projected compound annual growth rate (CAGR) of 24.41% from 2024 to 2034, the fintech market is expected to reach a valuation of $2,830.76 billion by 2034. This growth is fueled by the ongoing advancements in technology, the expanding reach of digital banking services, and the increasing adoption of cryptocurrencies and blockchain technology for secure, transparent transactions. Emerging technologies have also been driving financial inclusion, particularly in underserved regions where traditional banking services are limited. As fintech companies continue to innovate and disrupt traditional financial systems, the market is set for significant transformation, with new business models and collaborations between fintech startups and legacy financial institutions leading the charge.

Introduction to Emerging Technology in Fintech

Emerging technology in fintech refers to the integration of advanced digital innovations such as artificial intelligence (AI), blockchain, cloud computing, and big data analytics within the financial services sector. These technologies have been revolutionizing the way financial products and services are delivered, making them more efficient, secure, and accessible to a broader customer base. Fintech companies leverage these cutting-edge solutions to enhance customer experiences, streamline operations, and offer innovative financial services across areas such as payments, lending, wealth management, insurance, and digital currencies. As consumer demands shift toward faster, more personalized financial services, these technologies are at the forefront of reshaping the financial landscape, creating new opportunities and challenges for both startups and traditional financial institutions.

The fintech market has been experiencing rapid growth, with emerging technologies playing a pivotal role in this transformation. The expansion of financial inclusion, especially in underbanked regions, is also contributing to the growth of the fintech sector as more people gain access to digital financial services. With regulatory support and partnerships between fintech firms and traditional financial institutions, emerging technologies are expected to continue driving innovation and shaping the future of global finance.

Industrial Impact

The industrial impact of emerging technologies in the fintech sector is profound, as these innovations have been driving substantial changes across the financial services industry. Technologies such as blockchain, artificial intelligence (AI), and cloud computing have been enhancing operational efficiencies, improving transaction security, and enabling more accurate financial decision-making. For instance, blockchain has been revolutionizing payments and settlement systems by offering greater transparency, reduced costs, and faster transaction processing times. AI and machine learning are transforming areas such as fraud detection, credit scoring, and customer service, allowing financial institutions to offer more personalized and data-driven solutions. Additionally, the widespread adoption of digital payment systems and mobile banking has been reshaping the way consumers and businesses interact with financial services, making these services more accessible, convenient, and cost-effective.

As these technologies continue to mature, their impact on the fintech industry has been expanding, driving new business models and market opportunities. Financial institutions, particularly traditional banks, have been increasingly partnering with fintech startups to integrate innovative technologies and enhance their digital offerings. This collaboration has been fostering a more dynamic and competitive financial ecosystem, with fintech companies providing agile, customer-focused solutions and established banks leveraging their resources to scale digital services. Moreover, the rise of decentralized finance (DeFi) and cryptocurrencies has been further disrupting traditional financial models, offering alternative ways for individuals and businesses to access financial services. The evolution of fintech technologies is expected to reshape the financial services industry, creating opportunities and challenges for companies striving to remain competitive in a rapidly changing market.

In 2023, the global emerging technology in fintech market reached a valuation of $231.30 billion. Over the forecast period, the market is projected to exhibit a CAGR of 24.41%, reaching a value of $2,830.76 billion by 2034. The surge in demand for emerging technology in fintech is propelled by the need for more efficient, secure, and accessible financial services. As consumers increasingly seek seamless digital experiences, technologies such as artificial intelligence, blockchain, and cloud computing have been enabling faster transactions, enhanced security, and personalized offerings. Additionally, the growing focus on financial inclusion and the expansion of mobile and online banking services have been driving the adoption of innovative fintech solutions across both developed and emerging markets.

Market Segmentation:

Segmentation 1: by Application

• Lending
• Payments
• Wealth Management
• Insurance
• Others

Payments to Dominate the Global Emerging Technology in Fintech Market (by Application)

During the forecast period 2024-2034, the payments segment is expected to dominate the emerging technology in fintech market by application due to the increasing adoption of digital payment solutions, mobile wallets, and contactless payments. The growing demand for seamless, real-time transactions and advancements in blockchain and AI-driven payment security has been driving this shift. Additionally, the expansion of e-commerce, cross-border transactions, and the rise of financial inclusion have been further contributing to the widespread adoption of digital payment technologies globally.

Segmentation 2: by Technology

• Artificial Intelligence
• Blockchain
• Cloud and Edge Computing
• Cybersecurity
• Quantum Computing
• Others

Segmentation 3: by Region

• North America
• Europe
• Asia-Pacific
• Rest-of-the-World

Recent Developments in the Global Emerging Technology in Fintech Market

• In February 2025, FIS launched its new Revenue Insight solution, designed to transform accounts receivable management and optimize collections for businesses through advanced analytics and automation.
• In October 2024, Stripe, Inc. acquired Bridge for $1.1 billion, enhancing its capabilities in cryptocurrency payments and further expanding its global payment solutions.
• In January 2025, Adyen unveiled an AI-powered payment suite aimed at optimizing transaction processes, leveraging artificial intelligence to enhance payment efficiency and security for merchants.

Demand - Drivers, Challenges, and Opportunities

Market Driver: Rising Regulatory Complexity and Compliance Costs

• Rising regulatory complexity and increasing compliance costs have been driving financial institutions to adopt technological solutions. Post-2008 financial reforms, along with stringent Anti-Money Laundering (AML), Know Your Customer (KYC) rules, data privacy laws such as GDPR and CCPA, and the recent demand for Environmental, Social, and Governance (ESG) disclosures, have significantly raised compliance burdens.

Market Challenge: High Implementation Costs and Integration Issues

• Upgrading legacy systems or adopting new fintech solutions presents significant challenges for established financial institutions. Many banks still rely on outdated systems, such as COBOL mainframes, which make integrating modern fintech tools such as APIs or AI platforms risky and complex. These legacy systems often require costly and time-consuming customization, with any system downtime potentially causing significant disruption.

Market Opportunity: Expansion of AI-Driven Compliance and Risk Management

• As financial institutions face increasing regulatory complexity and growing risks, the opportunity for AI and machine learning (ML) solutions to enhance compliance and risk management functions is expanding. Traditional systems, such as anti-money laundering (AML) transaction monitoring, often generate many false alarms due to rule-based systems. AI can significantly reduce false positives by learning from data patterns, allowing compliance teams to focus on genuine risks.

How can this report add value to an organization?

Technology/Innovation Strategy: The technology segment provides a comprehensive overview of the various emerging technologies available in the fintech sector, such as artificial intelligence, cloud and edge computing, quantum computing, and cybersecurity. These technologies have been revolutionizing the fintech sector by enhancing efficiency, security, scalability, and innovation in financial services, enabling more seamless and personalized customer experiences.

Growth/Marketing Strategy: The global emerging technology in fintech market has seen major development by key participants operating in the market, such as business expansion, merger and acquisition, partnership, collaboration, and joint venture.

Competitive Strategy: Key players in the global emerging technology in fintech market analyzed and profiled in the study include companies that have been driving innovation and shaping the future of digital financial services through cutting-edge technologies and strategic partnerships. The analysis covers market segments by distinct technologies, applications served, and regional presence. Additionally, detailed competitive benchmarking has been conducted to illustrate how players compare, providing a clear view of the market landscape.

Research Methodology

Data Sources

Primary Data Sources

The primary sources involve industry experts from the emerging technology in the fintech industry and various stakeholders such as standards and certification organizations, emerging technology in fintech project developers, and accounting tool providers. Respondents such as CEOs, vice presidents, marketing directors, and technology and innovation directors have been interviewed to obtain and verify both qualitative and quantitative aspects of this research study.

The key data points taken from primary sources include:

• validation and triangulation of all the numbers and graphs
• validation of reports segmentation and key qualitative findings
• understanding the competitive landscape
• validation of the numbers of various markets for market type
• percentage split of individual markets for regional analysis

Secondary Data Sources

This research study involves the usage of extensive secondary research, directories, company websites, and annual reports. It also makes use of databases, such as ITU, Hoovers, Bloomberg, Businessweek, and Factiva, to collect useful and effective information for an extensive, technical, market-oriented, and commercial study of the global emerging technology in fintech market. In addition to the data sources, the study has been undertaken with the help of other data sources and websites, such as Data Center Dynamics and Data Center Knowledge.

Secondary research was done to obtain crucial information about the industry's value chain, revenue models, the market's monetary chain, the total pool of key players, and the current and potential use cases and applications.

The key data points taken from secondary research include:

• segmentations and percentage shares
• data for market value
• key industry trends of the top players of the market
• qualitative insights into various aspects of the market, key trends, and emerging areas of innovation
• quantitative data for mathematical and statistical calculations

Data Triangulation

This research study involves the usage of extensive secondary sources, such as certified publications, articles from recognized authors, This research study involves the usage of extensive secondary sources, such as certified publications, articles from recognized authors, white papers, annual reports of companies, directories, and major databases to collect useful and effective information for an extensive, technical, market-oriented, and commercial study of the global emerging technology in fintech market.

The market engineering process involves the calculation of the market statistics, market size estimation, market forecast, market crackdown, and data triangulation (the methodology for such quantitative data processes is explained in further sections). The primary research study has been undertaken to gather information and validate the market numbers for segmentation types and industry trends of the key players in the market.

Factors for Data Prediction and Modeling

• The section exhibits the standard assumptions and limitations followed throughout the research study, which is named the global emerging technology in fintech market.
• The scope of this report has been focused on various applications and product types.
• The base currency considered for the market analysis is US$. Currencies other than the US$ have been converted to the US$ for all statistical calculations, considering the average conversion rate for that particular year.
• The currency conversion rate was taken from the historical exchange rate on the Oanda website.
• Nearly all the recent developments from January 2021 to March 2025 have been considered in this research study.
• The information rendered in the report is a result of in-depth primary interviews, surveys, and secondary analysis.
• Where relevant information was not available, proxy indicators and extrapolation were employed.
• Any economic downturn in the future has not been taken into consideration for the market estimation and forecast.
• Technologies currently used are expected to persist through the forecast with no major technological breakthroughs.

Key Market Players and Competition Synopsis

The companies profiled in the emerging technology in fintech market have been selected based on inputs gathered from primary experts and through an analysis of company coverage, product portfolio, application, and market penetration. The emerging technology in the fintech market has been characterized by the presence of companies that leverage innovative solutions such as AI, blockchain, and cloud computing to disrupt traditional financial services, providing more efficient, secure, and accessible financial products. These companies have been reshaping the landscape by offering services such as digital payments, lending, and wealth management, catering to a broader and more diverse customer base.

Major players in the emerging technology in fintech market include PayPal, Ant Group CO., Ltd., Stripe, Inc., and Visa.

Some other prominent key players in the emerging technology in fintech market key players have been given here.

• Block, Inc.
• FIS
• Adyen
• Finastra
• Mastercard
• Revolut Ltd
• Robinhood
• Goldman Sachs
• N26 SE
• Zelle
• Chime Financial, Inc.

Table of Contents

Executive Summary

Scope and Definition

1 Market: Industry Outlook

• 1.1 Trends: Current and Future Impact Assessment
  • 1.1.1 AI-Powered Automation in Financial Decision-Making
  • 1.1.2 Expansion of Cloud-Based Financial Services
  • 1.1.3 Increased Blockchain Adoption for Secure Transactions
  • 1.1.4 RegTech Growth Driven by Stricter Compliance Requirements
• 1.2 Supply Chain Overview
  • 1.2.1 Value Chain Analysis
• 1.3 Regulatory Landscape
• 1.4 Investment and Growth Opportunities
• 1.5 Impact Assessment of Major Emerging Technologies
• 1.6 Research and Development Review
  • 1.6.1 Patent Filing Trend (by Country and Company)
• 1.7 Stakeholder Analysis
  • 1.7.1 Use Case
• 1.8 Impact Analysis for Key Global Events
• 1.9 Market Dynamics Overview
  • 1.9.1 Market Drivers
    • 1.9.1.1 Rising Regulatory Complexity and Compliance Costs
    • 1.9.1.2 Surge in Financial Fraud and Cyber Threats
    • 1.9.1.3 Rapid Digital Transformation in Financial Services
    • 1.9.1.4 Growing Adoption of AI and Big Data Analytics
  • 1.9.2 Market Challenges
    • 1.9.2.1 High Implementation Costs and Integration Issues
    • 1.9.2.2 Evolving Regulatory Landscape and Uncertainty
    • 1.9.2.3 Cybersecurity Risks and Data Privacy Concerns
  • 1.9.3 Market Opportunities
    • 1.9.3.1 Expansion of AI-Driven Compliance and Risk Management
    • 1.9.3.2 Increased Adoption of Blockchain for Secure Transactions
    • 1.9.3.3 Growth in Cloud-Based Financial Services and SaaS Models
    • 1.9.3.4 Emergence of Quantum Computing for Advanced Financial Analysis

2 Application

• 2.1 Application Segmentation
• 2.2 Application Summary
• 2.3 Emerging Technology in Fintech Market (by Application)
  • 2.3.1 Lending
  • 2.3.2 Payment
  • 2.3.3 Wealth Management
  • 2.3.4 Insurance
  • 2.3.5 Others

3 Technology

• 3.1 Technology Segmentation
• 3.2 Technology Summary
• 3.3 Emerging Technology in Fintech Market (by Technology)
  • 3.3.1 Artificial Intelligence
  • 3.3.2 Blockchain
  • 3.3.3 Cloud and Edge Computing
  • 3.3.4 Cybersecurity
  • 3.3.5 Quantum Computing
  • 3.3.6 Others

4 Regions

• 4.1 Regional Summary
• 4.2 North America
  • 4.2.1 Regional Overview
  • 4.2.2 Driving Factors for Market Growth
  • 4.2.3 Factors Challenging the Market
  • 4.2.4 Key Companies
    • 4.2.4.1 Application
    • 4.2.4.2 Technology
  • 4.2.5 U.S.
    • 4.2.5.1 Application
    • 4.2.5.2 Technology
  • 4.2.6 Canada
    • 4.2.6.1 Application
    • 4.2.6.2 Technology
  • 4.2.7 Mexico
    • 4.2.7.1 Application
    • 4.2.7.2 Technology
• 4.3 Europe
  • 4.3.1 Regional Overview
  • 4.3.2 Driving Factors for Market Growth
  • 4.3.3 Factors Challenging the Market
  • 4.3.4 Key Companies
    • 4.3.4.1 Application
    • 4.3.4.2 Technology
  • 4.3.5 Germany
    • 4.3.5.1 Application
    • 4.3.5.2 Technology
  • 4.3.6 France
    • 4.3.6.1 Application
    • 4.3.6.2 Technology
  • 4.3.7 U.K.
    • 4.3.7.1 Application
    • 4.3.7.2 Technology
  • 4.3.8 Italy
    • 4.3.8.1 Application
    • 4.3.8.2 Technology
  • 4.3.9 Rest-of-Europe
    • 4.3.9.1 Application
    • 4.3.9.2 Technology
• 4.4 Asia-Pacific
  • 4.4.1 Regional Overview
  • 4.4.2 Driving Factors for Market Growth
  • 4.4.3 Factors Challenging the Market
  • 4.4.4 Key Companies
    • 4.4.4.1 Application
    • 4.4.4.2 Technology
  • 4.4.5 China
    • 4.4.5.1 Application
    • 4.4.5.2 Technology
  • 4.4.6 Japan
    • 4.4.6.1 Application
    • 4.4.6.2 Technology
  • 4.4.7 India
    • 4.4.7.1 Application
    • 4.4.7.2 Technology
  • 4.4.8 South Korea
    • 4.4.8.1 Application
    • 4.4.8.2 Technology
  • 4.4.9 Rest-of-Asia-Pacific
    • 4.4.9.1 Application
    • 4.4.9.2 Technology
• 4.5 Rest-of-the-World
  • 4.5.1 Regional Overview
  • 4.5.2 Driving Factors for Market Growth
  • 4.5.3 Factors Challenging the Market
  • 4.5.4 Key Companies
    • 4.5.4.1 Application
    • 4.5.4.2 Technology
  • 4.5.5 South America
    • 4.5.5.1 Application
    • 4.5.5.2 Technology
  • 4.5.6 Middle East and Africa
    • 4.5.6.1 Application
    • 4.5.6.2 Technology

5 Markets - Competitive Benchmarking & Company Profiles

• 5.1 Next Frontiers
• 5.2 Geographic Assessment
• 5.3 Company Profiles
  • 5.3.1 PayPal
    • 5.3.1.1 Overview
    • 5.3.1.2 Top Products/Product Portfolio
    • 5.3.1.3 Top Competitors
    • 5.3.1.4 Target Customers
    • 5.3.1.5 Key Personnel
    • 5.3.1.6 Analyst View
    • 5.3.1.7 Market Share, 2023
  • 5.3.2 Block, Inc.
    • 5.3.2.1 Overview
    • 5.3.2.2 Top Products/Product Portfolio
    • 5.3.2.3 Top Competitors
    • 5.3.2.4 Target Customers
    • 5.3.2.5 Key Personnel
    • 5.3.2.6 Analyst View
    • 5.3.2.7 Market Share, 2023
  • 5.3.3 Stripe, Inc.
    • 5.3.3.1 Overview
    • 5.3.3.2 Top Products/Product Portfolio
    • 5.3.3.3 Top Competitors
    • 5.3.3.4 Target Customers
    • 5.3.3.5 Key Personnel
    • 5.3.3.6 Analyst View
    • 5.3.3.7 Market Share, 2023
  • 5.3.4 Ant Group CO., Ltd.
    • 5.3.4.1 Overview
    • 5.3.4.2 Top Products/Product Portfolio
    • 5.3.4.3 Top Competitors
    • 5.3.4.4 Target Customers
    • 5.3.4.5 Key Personnel
    • 5.3.4.6 Analyst View
    • 5.3.4.7 Market Share, 2023
  • 5.3.5 FIS
    • 5.3.5.1 Overview
    • 5.3.5.2 Top Products/Product Portfolio
    • 5.3.5.3 Top Competitors
    • 5.3.5.4 Target Customers
    • 5.3.5.5 Key Personnel
    • 5.3.5.6 Analyst View
    • 5.3.5.7 Market Share, 2023
  • 5.3.6 Adyen
    • 5.3.6.1 Overview
    • 5.3.6.2 Top Products/Product Portfolio
    • 5.3.6.3 Top Competitors
    • 5.3.6.4 Target Customers
    • 5.3.6.5 Key Personnel
    • 5.3.6.6 Analyst View
    • 5.3.6.7 Market Share, 2023
  • 5.3.7 Finastra
    • 5.3.7.1 Overview
    • 5.3.7.2 Top Products/Product Portfolio
    • 5.3.7.3 Top Competitors
    • 5.3.7.4 Target Customers
    • 5.3.7.5 Key Personnel
    • 5.3.7.6 Analyst View
    • 5.3.7.7 Market Share, 2023
  • 5.3.8 Mastercard
    • 5.3.8.1 Overview
    • 5.3.8.2 Top Products/Product Portfolio
    • 5.3.8.3 Top Competitors
    • 5.3.8.4 Target Customers
    • 5.3.8.5 Key Personnel
    • 5.3.8.6 Analyst View
    • 5.3.8.7 Market Share, 2023
  • 5.3.9 Revolut Ltd
    • 5.3.9.1 Overview
    • 5.3.9.2 Top Products/Product Portfolio
    • 5.3.9.3 Top Competitors
    • 5.3.9.4 Target Customers
    • 5.3.9.5 Key Personnel
    • 5.3.9.6 Analyst View
    • 5.3.9.7 Market Share, 2023
  • 5.3.10 Robinhood
    • 5.3.10.1 Overview
    • 5.3.10.2 Top Products/Product Portfolio
    • 5.3.10.3 Top Competitors
    • 5.3.10.4 Target Customers
    • 5.3.10.5 Key Personnel
    • 5.3.10.6 Analyst View
    • 5.3.10.7 Market Share, 2023
  • 5.3.11 Goldman Sachs
    • 5.3.11.1 Overview
    • 5.3.11.2 Top Products/Product Portfolio
    • 5.3.11.3 Top Competitors
    • 5.3.11.4 Target Customers
    • 5.3.11.5 Key Personnel
    • 5.3.11.6 Analyst View
    • 5.3.11.7 Market Share, 2023
  • 5.3.12 N26 SE
    • 5.3.12.1 Overview
    • 5.3.12.2 Top Products/Product Portfolio
    • 5.3.12.3 Top Competitors
    • 5.3.12.4 Target Customers
    • 5.3.12.5 Key Personnel
    • 5.3.12.6 Analyst View
    • 5.3.12.7 Market Share, 2023
  • 5.3.13 Zelle
    • 5.3.13.1 Overview
    • 5.3.13.2 Top Products/Product Portfolio
    • 5.3.13.3 Top Competitors
    • 5.3.13.4 Target Customers
    • 5.3.13.5 Key Personnel
    • 5.3.13.6 Analyst View
    • 5.3.13.7 Market Share, 2023
  • 5.3.14 Visa
    • 5.3.14.1 Overview
    • 5.3.14.2 Top Products/Product Portfolio
    • 5.3.14.3 Top Competitors
    • 5.3.14.4 Target Customers
    • 5.3.14.5 Key Personnel
    • 5.3.14.6 Analyst View
    • 5.3.14.7 Market Share, 2023
  • 5.3.15 Chime Financial, Inc.
    • 5.3.15.1 Overview
    • 5.3.15.2 Top Products/Product Portfolio
    • 5.3.15.3 Top Competitors
    • 5.3.15.4 Target Customers
    • 5.3.15.5 Key Personnel
    • 5.3.15.6 Analyst View
    • 5.3.15.7 Market Share, 2023

6 Research Methodology

• 6.1 Data Sources
  • 6.1.1 Primary Data Sources
  • 6.1.2 Secondary Data Sources
  • 6.1.3 Data Triangulation
• 6.2 Market Estimation and Forecast