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시장보고서
상품코드
2067685
어카운트 애그리게이터 시장 규모, 점유율 및 동향 분석 보고서 : 구성 요소별, 솔루션 모델별, 용도별, 최종 용도별, 지역별 및 부문별 예측(2026-2033년)Account Aggregator Market Size, Share & Trends Analysis Report By Component (Software, Services), By Solution Model (AI-driven Aggregators, Mobile-based Aggregators), By Application, By End Use, By Region, And Segment Forecasts, 2026 - 2033 |
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어카운트 애그리게이터 시장 개요
세계의 어카운트 애그리게이터 시장 규모는 2025년에 22억 7,000만 달러로 추계되며, 2033년까지 64억 3,000만 달러에 달할 것으로 예측되고 있으며, 2026-2033년에 CAGR 14.0%로 성장할 것으로 전망되고 있습니다.
금융 생태계가 사용자가 금융 기관 간에 금융 정보를 안전하게 공유할 수 있는 데이터베이스이며 동의에 기반한 아키텍처로 전환됨에 따라 이 시장은 꾸준한 성장세를 보이고 있습니다.
계좌 통합 서비스는 기존 은행 시스템과 최신 핀테크 플랫폼을 연결하여 원활한 금융 데이터 이동성을 실현하는 핵심 상호운용성 계층으로서, 그 중요성이 날로 커지고 있습니다. 금융 API 및 상호운용성 프로토콜의 표준화가 진행됨에 따라 금융기관 간의 데이터 교환 방식이 변화하고 있으며, 어카운트 애그리게이터의 도입이 크게 촉진되고 있습니다. 금융 기관들은 사일로화된 금융 시스템에서 벗어나, 애그리게이터를 통해 은행, 대출 업체, 보험사, 투자 플랫폼 간에 원활한 데이터 교환이 가능한 상호 연결된 생태계로 전환하고 있습니다. 이러한 변화는 업무 효율성 향상뿐만 아니라, 사용자의 행동에 맞춘 혁신적인 금융 상품 및 서비스의 창출도 가능하게 하고 있습니다.
또 다른 중요한 성장 요인은 대출 생태계에 집약 기능이 통합되고 있다는 점입니다. 금융기관은 집계된 데이터를 활용하여 차주의 프로필을 종합적으로 파악함으로써, 대출 심사의 신속화와 리스크 평가의 정확도 향상을 실현하고 있습니다. 이는 기존 신용평가 모델로는 금융 서비스가 충분히 제공되지 않는 계층의 금융 행동을 적절히 파악할 수 없는 신흥 시장에서 특히 큰 효과를 발휘하고 있습니다.
동시에, 디지털 결제 생태계의 급속한 발전이 애그리게이션 플랫폼에 새로운 기회를 창출하고 있습니다. 사용자들이 지갑, 은행 송금, 내장형 결제 옵션 등 다양한 결제 채널을 점점 더 많이 이용함에 따라 애그리게이터는 거래 데이터를 통합하고 실질적인 인사이트를 제공하는 데 있으며, 매우 중요한 역할을 하고 있습니다. 이를 통해 소비자와 기업 모두 현금 흐름 관리와 재무 계획을 최적화할 수 있게 되었습니다.
자주 묻는 질문
목차
제1장 조사 방법과 범위
제2장 개요
제3장 어카운트 애그리게이터 시장 : 변수, 동향, 범위
제4장 어카운트 애그리게이터 시장 : 컴포넌트별 추정·동향 분석
제5장 어카운트 애그리게이터 시장 : 솔루션 모델별 추정·동향 분석
제6장 어카운트 애그리게이터 시장 : 용도별 추정·동향 분석
제7장 어카운트 애그리게이터 시장 : 최종 사용별 추정·동향 분석
제8장 어카운트 애그리게이터 시장 : 지역별 추정·동향 분석
제9장 경쟁 구도
KSA 26.06.29Account Aggregator Market Summary
The global account aggregator market size was estimated at USD 2.27 billion in 2025, and is projected to reach USD 6.43 billion by 2033, growing at a CAGR of 14.0% from 2026 to 2033. The market is witnessing steady expansion as financial ecosystems transition toward data-driven and consent-based architectures, where users can securely share their financial information across institutions.
Account aggregators are increasingly positioned as a core interoperability layer that bridges traditional banking systems with modern fintech platforms, enabling seamless financial data portability. The increasing standardization of financial APIs and interoperability protocols is transforming the way institutions exchange data, significantly boosting the adoption of account aggregators. Instead of siloed financial systems, institutions are moving toward connected ecosystems, where aggregators enable seamless data exchange across banks, lenders, insurers, and investment platforms. This shift is not only improving operational efficiency but also enabling the creation of innovative financial products and services tailored to user behavior.
Another key growth driver is the rising integration of aggregation capabilities into lending ecosystems. Financial institutions are leveraging aggregated data to gain a holistic view of borrower profiles, enabling faster loan approvals and improved risk assessment. This is particularly impactful in emerging markets, where traditional credit scoring models fail to capture the financial behavior of underserved populations.
At the same time, the rapid evolution of digital payment ecosystems is creating new opportunities for aggregation platforms. As users increasingly adopt multiple payment channels, including wallets, bank transfers, and embedded payment options, aggregators are playing a crucial role in consolidating transaction data and providing actionable insights. This is enabling both consumers and businesses to optimize cash flow management and financial planning.
Global Account Aggregator Market Report Segmentation
This report forecasts revenue growth at the global, regional, and country levels and provides an analysis of the latest industry trends in each of the sub-segments from 2021 to 2033. For this study, Grand View Research has segmented the global account aggregator market report based on component, solution model, application, end use, and region:
- Component Outlook (Revenue, USD Million, 2021 - 2033)
- Software
- Services
- Solution Model Outlook (Revenue, USD Million, 2021 - 2033)
- Software-based Platforms
- Service-based Models
- AI-driven Aggregators
- Mobile-based Aggregators
- SaaS-based Aggregators
- Application Outlook (Revenue, USD Million, 2021 - 2033)
- Personal Finance
- Business Finance
- Wealth Management
- Lending
- Payments
- Others
- End Use Outlook (Revenue, USD Million, 2021 - 2033)
- Banks
- Financial Institutions
- FinTech Companies
- Enterprises
- Individuals
- Regional Outlook (Revenue, USD Million, 2021 - 2033)
- North America
- U.S.
- Canada
- Mexico
- Europe
- Germany
- UK
- France
- Asia Pacific
- China
- Japan
- India
- South Korea
- Australia
- Latin America
- Brazil
- Middle East and Africa (MEA)
- KSA
- UAE
- South Africa
Table of Contents
Chapter 1. Methodology and Scope
- 1.1. Market Segmentation and Scope
- 1.2. Research Methodology
- 1.2.1. Information Procurement
- 1.3. Information or Data Analysis
- 1.4. Methodology
- 1.5. Research Scope and Assumptions
- 1.6. Market Formulation & Validation
- 1.7. Country Based Segment Share Calculation
- 1.8. List of Data Sources
Chapter 2. Executive Summary
- 2.1. Market Outlook
- 2.2. Segment Outlook
- 2.3. Competitive Insights
Chapter 3. Account Aggregator Market Variables, Trends, & Scope
- 3.1. Market Lineage Outlook
- 3.2. Market Dynamics
- 3.2.1. Market Driver Analysis
- 3.2.2. Market Restraint Analysis
- 3.2.3. Industry Challenge
- 3.3. Account Aggregator Market Analysis Tools
- 3.3.1. Industry Analysis - Porter's
- 3.3.1.1. Bargaining power of the suppliers
- 3.3.1.2. Bargaining power of the buyers
- 3.3.1.3. Threats of substitution
- 3.3.1.4. Threats from new entrants
- 3.3.1.5. Competitive rivalry
- 3.3.2. PESTEL Analysis
- 3.3.2.1. Political landscape
- 3.3.2.2. Economic landscape
- 3.3.2.3. Social landscape
- 3.3.2.4. Technological landscape
- 3.3.2.5. Environmental landscape
- 3.3.2.6. Legal landscape
- 3.3.1. Industry Analysis - Porter's
Chapter 4. Account Aggregator Market: Component Estimates & Trend Analysis
- 4.1. Segment Dashboard
- 4.2. Account Aggregator Market: Component Movement Analysis, USD Million, 2025 & 2033
- 4.3. Software
- 4.3.1. Software Market Revenue Estimates and Forecasts, 2021 - 2033 (USD Million)
- 4.4. Services
- 4.4.1. Services Market Revenue Estimates and Forecasts, 2021 - 2033 (USD Million)
Chapter 5. Account Aggregator Market: Solution Model Estimates & Trend Analysis
- 5.1. Segment Dashboard
- 5.2. Account Aggregator Market: Solution Model Movement Analysis, USD Million, 2025 & 2033
- 5.3. Software-based Platforms
- 5.3.1. Software-based Platforms Market Revenue Estimates and Forecasts, 2021 - 2033 (USD Million)
- 5.4. Service-based Models
- 5.4.1. Service-based Models Market Revenue Estimates and Forecasts, 2021 - 2033 (USD Million)
- 5.5. AI-driven Aggregators
- 5.5.1. AI-driven Aggregators Market Revenue Estimates and Forecasts, 2021 - 2033 (USD Million)
- 5.6. Mobile-based Aggregators
- 5.6.1. Mobile-based Aggregators Market Revenue Estimates and Forecasts, 2021 - 2033 (USD Million)
- 5.7. SaaS-based Aggregators
- 5.7.1. SaaS-based Aggregators Market Revenue Estimates and Forecasts, 2021 - 2033 (USD Million)
Chapter 6. Account Aggregator Market: Application Estimates & Trend Analysis
- 6.1. Segment Dashboard
- 6.2. Account Aggregator Market: Application Movement Analysis, USD Million, 2025 & 2033
- 6.3. Personal Finance
- 6.3.1. Personal Finance Market Revenue Estimates and Forecasts, 2021 - 2033 (USD Million)
- 6.4. Business Finance
- 6.4.1. Business Finance Market Revenue Estimates and Forecasts, 2021 - 2033 (USD Million)
- 6.5. Wealth Management
- 6.5.1. Wealth Management Market Revenue Estimates and Forecasts, 2021 - 2033 (USD Million)
- 6.6. Lending
- 6.6.1. Lending Market Revenue Estimates and Forecasts, 2021 - 2033 (USD Million)
- 6.7. Payments
- 6.7.1. Payments Market Revenue Estimates and Forecasts, 2021 - 2033 (USD Million)
- 6.8. Others
- 6.8.1. Others Market Revenue Estimates and Forecasts, 2021 - 2033 (USD Million)
Chapter 7. Account Aggregator Market: End Use Estimates & Trend Analysis
- 7.1. Segment Dashboard
- 7.2. Account Aggregator Market: End Use Movement Analysis, USD Million, 2025 & 2033
- 7.3. Banks
- 7.3.1. Banks Market Revenue Estimates and Forecasts, 2021 - 2033 (USD Million)
- 7.4. Financial Institutions
- 7.4.1. Financial Institutions Market Revenue Estimates and Forecasts, 2021 - 2033 (USD Million)
- 7.5. FinTech Companies
- 7.5.1. FinTech Companies Market Revenue Estimates and Forecasts, 2021 - 2033 (USD Million)
- 7.6. Enterprises
- 7.6.1. Enterprises Market Revenue Estimates and Forecasts, 2021 - 2033 (USD Million)
- 7.7. Individuals
- 7.7.1. Individuals Market Revenue Estimates and Forecasts, 2021 - 2033 (USD Million)
Chapter 8. Account Aggregator Market: Regional Estimates & Trend Analysis
- 8.1. Account Aggregator Market Share, By Region, 2025 & 2033, USD Million
- 8.2. North America
- 8.2.1. North America Account Aggregator Market Estimates and Forecasts, 2021 - 2033 (USD MILLION)
- 8.2.2. U.S.
- 8.2.2.1. U.S. Account Aggregator Market Estimates and Forecasts, 2021 - 2033 (USD MILLION)
- 8.2.3. Canada
- 8.2.3.1. Canada Account Aggregator Market Estimates and Forecasts, 2021 - 2033 (USD MILLION)
- 8.2.4. Mexico
- 8.2.4.1. Mexico Account Aggregator Market Estimates and Forecasts, 2021 - 2033 (USD MILLION)
- 8.3. Europe
- 8.3.1. Europe Account Aggregator Market Estimates and Forecasts, 2021 - 2033 (USD MILLION)
- 8.3.2. U.K.
- 8.3.2.1. U.K. Account Aggregator Market Estimates and Forecasts, 2021 - 2033 (USD MILLION)
- 8.3.3. Germany
- 8.3.3.1. Germany Account Aggregator Market Estimates and Forecasts, 2021 - 2033 (USD MILLION)
- 8.3.4. France
- 8.3.4.1. France Account Aggregator Market Estimates and Forecasts, 2021 - 2033 (USD MILLION)
- 8.4. Asia Pacific
- 8.4.1. Asia Pacific Account Aggregator Market Estimates and Forecasts, 2021 - 2033 (USD MILLION)
- 8.4.2. China
- 8.4.2.1. China Account Aggregator Market Estimates and Forecasts, 2021 - 2033 (USD MILLION)
- 8.4.3. Japan
- 8.4.3.1. Japan Account Aggregator Market Estimates and Forecasts, 2021 - 2033 (USD MILLION)
- 8.4.4. India
- 8.4.4.1. India Account Aggregator Market Estimates and Forecasts, 2021 - 2033 (USD MILLION)
- 8.4.5. South Korea
- 8.4.5.1. South Korea Account Aggregator Market Estimates and Forecasts, 2021 - 2033 (USD MILLION)
- 8.4.6. Australia
- 8.4.6.1. Australia Account Aggregator Market Estimates and Forecasts, 2021 - 2033 (USD MILLION)
- 8.5. Latin America
- 8.5.1. Latin America Account Aggregator Market Estimates and Forecasts, 2021 - 2033 (USD MILLION)
- 8.5.2. Brazil
- 8.5.2.1. Brazil Account Aggregator Market Estimates and Forecasts, 2021 - 2033 (USD MILLION)
- 8.6. Middle East and Africa
- 8.6.1. Middle East and Africa Account Aggregator Market Estimates and Forecasts, 2021 - 2033 (USD MILLION)
- 8.6.2. UAE
- 8.6.2.1. UAE Account Aggregator Market Estimates and Forecasts, 2021 - 2033 (USD MILLION)
- 8.6.3. KSA
- 8.6.3.1. KSA Account Aggregator Market Estimates and Forecasts, 2021 - 2033 (USD MILLION)
- 8.6.4. South Africa
- 8.6.4.1. South Africa Account Aggregator Market Estimates and Forecasts, 2021 - 2033 (USD MILLION)
Chapter 9. Competitive Landscape
- 9.1. Company Categorization
- 9.2. Company Market Positioning
- 9.3. Company Heat Map Analysis
- 9.4. Company Profiles/Listing
- 9.4.1. Plaid
- 9.4.1.1. Participant's Overview
- 9.4.1.2. Account Performance
- 9.4.1.3. Product Benchmarking
- 9.4.1.4. Strategic Initiatives
- 9.4.2. MX
- 9.4.2.1. Participant's Overview
- 9.4.2.2. Account Performance
- 9.4.2.3. Product Benchmarking
- 9.4.2.4. Strategic Initiatives
- 9.4.3. Envestnet
- 9.4.3.1. Participant's Overview
- 9.4.3.2. Account Performance
- 9.4.3.3. Product Benchmarking
- 9.4.3.4. Strategic Initiatives
- 9.4.4. Finicity
- 9.4.4.1. Participant's Overview
- 9.4.4.2. Account Performance
- 9.4.4.3. Product Benchmarking
- 9.4.4.4. Strategic Initiatives
- 9.4.5. Tink
- 9.4.5.1. Participant's Overview
- 9.4.5.2. Account Performance
- 9.4.5.3. Product Benchmarking
- 9.4.5.4. Strategic Initiatives
- 9.4.6. TrueLayer
- 9.4.6.1. Participant's Overview
- 9.4.6.2. Account Performance
- 9.4.6.3. Product Benchmarking
- 9.4.6.4. Strategic Initiatives
- 9.4.7. Salt Edge
- 9.4.7.1. Participant's Overview
- 9.4.7.2. Account Performance
- 9.4.7.3. Product Benchmarking
- 9.4.7.4. Strategic Initiatives
- 9.4.8. Akoya
- 9.4.8.1. Participant's Overview
- 9.4.8.2. Account Performance
- 9.4.8.3. Product Benchmarking
- 9.4.8.4. Strategic Initiatives
- 9.4.9. Yapily
- 9.4.9.1. Participant's Overview
- 9.4.9.2. Account Performance
- 9.4.9.3. Product Benchmarking
- 9.4.9.4. Strategic Initiatives
- 9.4.10. GoCardless
- 9.4.10.1. Participant's Overview
- 9.4.10.2. Account Performance
- 9.4.10.3. Product Benchmarking
- 9.4.10.4. Strategic Initiatives
- 9.4.1. Plaid
