IDC FutureScape : 세계의 디지털 대출 예측(2024년)

This IDC study presents the top 10 predictions for digital lending for 2024 and beyond."Economic conditions in 2024 and into 2025, especially the interest rate scenario and bank liquidity, will heavily impact lending activity for financial institutions and fintechs," said Raymond Pucci, research director of Worldwide Lending Digital Strategies at IDC. "Uncertainty and disruption will continue, but lenders that make the right and relevant technology investments will be among the best performers."

IDC FutureScape Figure

Executive Summary

IDC FutureScape Predictions

• Summary of External Drivers
• Predictions: Impact on Technology Buyers
  • Prediction 1: By 2026, 75% of Financial Institution Lenders Will Add Lending Staff Resources Dedicated to Ensuring Compliance with New Regulations for Explainable AI in Credit Decisions
    • Associated Drivers
    • IT Impact
    • Guidance
  • Prediction 2: By 2025, 33% of Financial Institutions Will Integrate Enterprise Intelligence in Their Lending Operations That Will Reduce Credit Decisioning Time by 50%
    • Associated Drivers
    • IT Impact
    • Guidance
  • Prediction 3: By 2026, 25% of Financial Institution/Fintech Lenders Will Use GenAI to Ensure Lending Regulatory Compliance to Avoid Fines and Penalties
    • Associated Drivers
    • IT Impact
    • Guidance
  • Prediction 4: By 2026, Increases in Identity Fraud Will Motivate 25% of Banks to Use AI in ID Fraud Detection in Lending
    • Associated Drivers
    • IT Impact
    • Guidance
  • Prediction 5: By 2025, 30% of Retail Bank Lenders Will Have Moved to an AI-Powered Approach for Collections, Enabling Response to a Customer's Individual Requirements and Providing Interaction via Any Preferred Channel
    • Associated Drivers
    • IT Impact
    • Guidance
  • Prediction 6: By 2027, 20% of B2B Payments Supporting Supply Chains Will Be Executed in Real Time
    • Associated Drivers
    • IT Impact
    • Guidance
  • Prediction 7: By 2026, 50% of Financial Institutions Will Rely on Blockchain/DLT to Verify Account and Identity Veracity, in Regard to AML and/or QIB, Accredited Investor, and so Forth
    • Associated Driver
    • IT Impact
    • Guidance
  • Prediction 8: By 2025, 35% of SMBs in Need of Working Capital Will Opt for Embedded Lending Options, Such as B2B BNPL, Over Traditional Financial Institutions When Securing Needed Funds
    • Associated Drivers
    • IT Impact
    • Guidance
  • Prediction 9: By 2027, 35% of SMBs Will Be Financed Through Industry Ecosystem-Powered Supply Chain Finance Platforms
    • Associated Drivers
    • IT Impact
    • Guidance
  • Prediction 10: By 2026, 40% of SMBs Will Explore and Adopt Invoice Financing Services to Free up Cashflow and Speed up the Working Capital Cycle, Enabled by Alternative Data for Credit Decisioning and Underwriting
    • Associated Drivers
    • IT Impact
    • Guidance

Advice for Technology Buyers

External Drivers: Detail

• AI Everywhere - Generative AI Takes the Spotlight
• The Drive to Automate - Maximizing Efficiency and New Opportunities
• Global Supply Chain Resiliency - Push for Diversification
• Cybersecurity and Risk - Building Resilience Against Multiplying Threats
• The Digital Business Imperative - Competitiveness and Outcomes
• Everything as a Service Intensifies - Transforming Models to Drive Change

Learn More

• Related Research