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세계의 핀테크(FinTech) 시장 : 테크놀러지, 애플리케이션 및 서비스(2021-2026년)

Global FinTech Marketplace: Technologies, Applications, and Services 2021 - 2026

리서치사 Mind Commerce
발행일 2021년 09월 상품 코드 1027152
페이지 정보 영문 105 Pages
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세계의 핀테크(FinTech) 시장 : 테크놀러지, 애플리케이션 및 서비스(2021-2026년) Global FinTech Marketplace: Technologies, Applications, and Services 2021 - 2026
발행일 : 2021년 09월 페이지 정보 : 영문 105 Pages

본 상품은 영문 자료로 한글과 영문목차에 불일치하는 내용이 있을 경우 영문을 우선합니다. 정확한 검토를 위해 영문목차를 참고해주시기 바랍니다.

세계의 핀테크 시장은 13.7%의 CAGR로 성장하고, 2026년에는 1,900억 달러에 달할 것으로 예측됩니다. 그 중에서도 소프트웨어 분야는 세계 시장 전체의 45%를 차지하는 최대 분야가 되고 있습니다. 또한 미국, 영국, 중국, 독일, 인도는 시장의 주요 국가이며, 아메리카는 세계 핀테크 투자 시장 전체의 73%를 차지하는 최대 지역입니다.

Google, Intel, Salesforce 등의 대기업 뿐만 아니라 투자 커뮤니티도 핀테크에 대한 높은 관심을 보이고 있습니다. 은행 업계에서도 판매 채널 확립이나 서드파티와의 경쟁을 피하기 위해 핀테크 솔루션을 도입하기 시작하고 있습니다. 2020년에 총투자액은 1,050억 달러를 넘어섰습니다.

세계의 핀테크(FinTech) 시장에 대해 조사했으며, 시장 규모와 예측, 기존 금융 시스템과 신흥 핀테크 솔루션의 비교 분석, 디스럽션, 잠재적 이익, 과제, 시장 생태계 평가, 성장 촉진요인, 경쟁 상황, 주요 기업 개요 등의 정보를 제공합니다.

목차

제1장 주요 요약

제2장 핀테크 시장 개요

  • 금융 테크놀러지
  • 핀테크 성장 촉진요인
  • 핀테크 상황
  • 핀테크 기업 종류
    • 송금
    • 에퀴티 펀딩
    • P2P 렌딩
    • 모바일 결제
    • 거래 플랫폼
    • 기타 서비스
  • 핀테크 카테고리
    • 디지털 결제
    • 기업 재무
    • 소비자 금융

제3장 핀테크와 빅데이터

  • 핀테크에서 빅데이터의 현황
  • 핀테크 빅데이터 이니셔티브
    • 핀테크 CRM과 실시간 응답
    • 핀테크와 고객 행동 예측 분석
    • 핀테크와 매스 커스터마이제이션
    • 핀테크와 부정 방지
  • 핀테크 빅데이터 시장 기회 : 금융의 데이터 스트리밍

제4장 핀테크 생태계

  • 하드웨어와 인프라
  • 금융기관
  • 정부
  • 기업가
  • 애플리케이션 프로바이더
  • 컨설팅 및 서비스 프로바이더
  • 보안 솔루션 프로바이더
  • 클라우드 및 빅데이터 분석 프로바이더
  • 투자 그룹
  • 소셜 네트워크
  • B2B2C 유통 채널
  • 캐시 인/아웃 메커니즘
  • 비지니스 모델
  • 협업 혁신
  • 크라우드펀딩 플랫폼
  • 경쟁 상황 : 은행과 OTT 기업

제5장 핀테크 시장 성장 촉진요인

  • 기존 은행 부문의 디지털화
  • Algo Banking
  • 모바일 뱅킹 대두
  • 핀테크 스타트업 생태계 대두
  • 데이터 드리븐 뱅킹 대두
  • 크라우드펀딩 경제 대두
  • 웹 기반 금융 서비스 대두
  • 은행 이외의 자금 관리 선택사항 증가
  • 지불 사기를 제어하기 위한 머신러닝과 빅데이터 사용
  • M&A 거래 패턴 증가
  • 소비자 행동 패턴 변화
  • 블록체인 테크놀러지
  • E-Commerce 대두
  • mPoS 지불 대두

제6장 핀테크 시장 과제

제7장 핀테크 시장 전망과 예측(2021-2026년)

  • 핀테크 투자 전망(2021-2026년)
  • 핀테크 사용자(2021-2026년)
  • 핀테크 시장 역학

제8장 디지털 산업과 결제 이니셔티브

  • Google
  • Facebook
  • Apple
  • PayPal
  • Square
  • Bitcoin
  • SocietyOne
  • Amazon Payments
  • Stripe
  • Samsung Pay
  • Alibaba
  • Western Union
  • Amex, MasterCard and Visa
  • Lending Club
  • Financial Innovation Now
  • Stellar

제9장 은행 이니셔티브 분석

  • Goldman Sachs
  • Barclays
  • Santander
  • HSBC
  • UBS
  • BBVA
  • Citi
  • American Express
  • Wells Fargo
  • JPMorgan Chase

제10장 지역 이니셔티브

  • 파이어니어 존
    • 미국
    • 영국
  • 신흥 지역
    • 유럽
    • 아시아
    • 중동
    • 호주
  • 정부 이니셔티브

제11장 핀테크 사례 연구

  • SocietyOne
  • Tyro Payments
  • Reinventure
  • Australasian Wealth Investments
  • Billfloat
  • L2C Inc
  • PayNearMe
  • Kabbage
  • 부정 검출과 방지
  • CashMetrics : 재무 관리 서비스
  • 고객 서포트 강화
  • 데이터 드리븐 클라이언트 확보
  • 자금세탁과의 싸움

제12장 핀테크 기업과 솔루션

  • Developments with Select Players
  • Acorns
  • Addepar
  • Affirm
  • Algomi
  • Alphasense
  • Adyen
  • Avant
  • Betterment
  • Braintree
  • C2FO
  • Chain.com
  • Circleup
  • Credit Karma
  • Digit
  • Earnest
  • Equityzen
  • Estimize
  • Fundbox
  • Fundera
  • Fundrise
  • Hello Wallet
  • IEX
  • Kensho
  • Level Money
  • Learnvest
  • Money.net
  • Motif
  • Nav
  • Personal Capital
  • Plaid
  • Premise Data
  • Prosper
  • Quantopian
  • R3CEV
  • Ripple
  • Riskalyze
  • Robinhood
  • Simple
  • SOFI
  • Transferwise
  • Trueaccord
  • Trueex
  • Vouch
  • WealthFront
  • WorldRemit
  • XAPO
  • Xignite
  • Zenefits
  • ZestFinance
  • China Rapid Finance
  • Lufax
  • OnDeck
  • Dwolla
  • Moven
  • Ally
  • Capital One 360
  • Vanguard
  • Fidelity
  • Charles Schwab
  • Allstate
  • Oscar
  • Metromile
  • Azimo
  • Klarna
  • Number26
  • Atom Bank
  • LendingRobot
  • Coinbase
  • Angellist
  • Securekey
  • Kickstarter
  • CrowdCube

제13장 결론과 제안

  • 건전한 핀테크 생태계를 개발하기 위한 제안
  • 은행 및 기타 금융기관에 대한 제안
  • 핀테크 기업용 제안
  • 정부에 대한 제안
  • 투자 커뮤니티에 대한 제안

제14장 부록 : 핀테크에 대한 과거 투자

  • 세계의 핀테크 투자
  • 시장 기업별
  • 카테고리별
  • 부문별
  • 지역별
  • 주요 국가별
  • 은행의 내부 핀테크 투자
  • 핀테크 거래(투자와 M&A)
KSM 21.09.24

Overview:

This report provides a comparative analysis between legacy financial systems and emerging FinTech solutions including disruption, potential benefits, and challenges. The report evaluates the evolving FinTech market ecosystem including start-ups, banks, investment companies, insurance companies, and non-financial organizations. The report analyzes the global impact of FinTech and the outlook for specific regions. The report provides forecasts for the period 2021 to 2026.

Select Report Findings:

  • The global FinTech market will reach $190 billion by 2026, growing at 13.7% CAGR
  • The software segment the largest segment with 45% of the total global market share
  • The digital payments segment the largest solution with 92% of the total global market
  • USA, UK, China, Germany, and India are the largest countries in the global FinTech market
  • The Americas is the largest region with a 73% of the total global FinTech investment market

Financial Technology (FinTech) represents a combination of financial services with Information Technology (IT) that is disruptive to the incumbent financial system as it transforms financial services including enhancements to existing areas as well as entirely alternative solutions. For example, the legacy financial system is under serious threat from emerging technologies, such as Blockchain, to eliminate the need for intermediary trust agents for payment clearing and settlements.

FinTech enabled services include peer-to-peer money transfers, lending services, online payments, and mobile payments. Financial organizations can develop solutions inhouse, partner with FinTech solution providers, or acquire them. Apart from operational issues and/or user experiences, CAPEX and OPEX factors greatly impact these decisions.

There is a high degree of interest in FinTech from the investment community as well as major corporations such as Google, Intel, Salesforce and many more. The banking industry is also starting to embrace FinTech solutions to establish distribution channels and to fend off competition from third parties. In 2020, the total investment was more than $105 billion.

Companies in Report:

  • Acorns
  • Addepar
  • Adyen
  • Affirm
  • Algomi
  • Alibaba
  • Allstate
  • Ally
  • Alphasense
  • Amazon Payments
  • American Express
  • Amex, MasterCard and Visa
  • Angellist
  • Apple
  • Atom Bank
  • Australasian Wealth Investments
  • Avant
  • Azimo
  • Barclays
  • BBVA
  • Betterment
  • Billfloat
  • Bitcoin
  • Braintree
  • C2FO
  • Capital One 360
  • Chain.com
  • Charles Schwab
  • China Rapid Finance
  • Circleup
  • Citi
  • Coinbase
  • Credit Karma
  • CrowdCube
  • Digit
  • Dwolla
  • Earnest
  • Equityzen
  • Estimize
  • Facebook
  • Fidelity
  • Financial Innovation Now
  • Fundbox
  • Fundera
  • Fundrise
  • Goldman Sachs
  • Google
  • Hello Wallet
  • HSBC
  • IEX
  • JPMorgan Chase
  • Kabbage
  • Kensho
  • Kickstarter
  • Klarna
  • L2C Inc
  • Learnvest
  • Lending Club
  • LendingRobot
  • Level Money
  • Lufax
  • Metromile
  • Money.net
  • Motif
  • Moven
  • Nav
  • Number26
  • OnDeck
  • Oscar
  • PayNearMe
  • PayPal
  • Personal Capital
  • Plaid
  • Premise Data
  • Prosper
  • Quantopian
  • R3CEV
  • Reinventure
  • Ripple
  • Riskalyze
  • Robinhood
  • Samsung Pay
  • Santander
  • Securekey
  • Simple
  • SocietyOne
  • SOFI
  • Square
  • Stellar
  • Stripe
  • Transferwise
  • Trueaccord
  • Trueex
  • Tyro Payments
  • UBS
  • Vanguard
  • Vouch
  • WealthFront
  • Wells Fargo
  • Western Union
  • WorldRemit
  • XAPO
  • Xignite
  • Zenefits
  • ZestFinance

Table of Contents

1.0 Executive Summary

2.0 FinTech Market Overview

  • 2.1 Financial Technology
  • 2.2 The Impetus for FinTech
  • 2.3 FinTech Landscape
  • 2.4 FinTech Company Types
    • 2.4.1 Money Transfer
    • 2.4.2 Equity Funding
    • 2.4.3 P2P Lending
    • 2.4.4 Mobile Payments
    • 2.4.5 Trading Platforms
    • 2.4.6 Other Services
  • 2.5 FinTech Categories
    • 2.5.1 Digital Payments
    • 2.5.2 Business Finance
    • 2.5.3 Consumer Finance

3.0 FinTech and Big Data

  • 3.1 Current State of Big Data in FinTech
  • 3.2 FinTech Big Data Initiatives
    • 3.2.1 FinTech CRM and Real-time Response
    • 3.2.2 FinTech and Predictive Analysis of Customer Behavior
    • 3.2.3 FinTech and Mass Customization
    • 3.2.4 FinTech and Fraud Prevention
  • 3.3 FinTech Big Data Market Opportunity: Streaming Data in Finance

4.0 FinTech Ecosystem

  • 4.1 Hardware and Infrastructure
  • 4.2 Financial Institutions
  • 4.3 Government
  • 4.4 Entrepreneurs
  • 4.5 Application Providers
  • 4.6 Consulting and Service Providers
  • 4.7 Security Solutions Providers
  • 4.8 Cloud and Big Data Analytics Providers
  • 4.9 Investment Groups
  • 4.10 Social Network
  • 4.11 B2B2C Distribution Channel
  • 4.12 Cash-in/out Mechanisms
  • 4.13 Business Models
  • 4.14 Collaborative Innovation
  • 4.15 Crowdfunding Platforms
  • 4.16 Competitive Landscape: Banks vs. OTT Players

5.0 FinTech Market Drivers

  • 5.1 Digitization in Traditional Banking Sector
  • 5.2 Algo Banking
  • 5.3 Rise of Mobile Banking
  • 5.4 Rise of the FinTech Start-Up Ecosystem
  • 5.5 Rise of Data Driven Banking
  • 5.6 Rise of the Crowdfunding Economy
  • 5.7 Rise of Web-Based Financial Services
  • 5.8 Growing Adoption of Non-Bank Option to Manage Money
  • 5.9 Use of Machine Learning and Big Data to Control Payment Fraud
  • 5.10 Increasing Patterns of M&A Transactions
  • 5.11 Changing Patterns of Consumer Behavior
  • 5.12 Blockchain Technology
  • 5.13 Rise of E-commerce
  • 5.14 Rise of mPoS Payments

6.0 FinTech Market Challenges

7.0 FinTech Market Outlook and Forecasts 2021 - 2026

  • 7.1 FinTech Investment Outlook 2021 - 2026
    • 7.1.1 Global Bank IT Investment
    • 7.1.2 Global FinTech Investments
    • 7.1.3 Global FinTech Investment in Software, Hardware, Security and Consulting
    • 7.1.4 Global FinTech Investment: Retail vs. Business Finance
    • 7.1.5 Global FinTech Market by Region
    • 7.1.6 Global Banking Internal FinTech Investment
    • 7.1.7 Global FinTech Deals 2020 - 2028
    • 7.1.8 Global FinTech Funding by Investor Type
  • 7.2 FinTech Users 2021 - 2026
    • 7.2.1 Global FinTech Users
    • 7.2.2 Global FinTech Users by Usage Category
    • 7.2.3 Global FinTech Users by Income Bracket
    • 7.2.4 Global FinTech Users by Age Group
    • 7.2.5 FinTech Users by Geographic Region
    • 7.2.6 FinTech Adoption of Digitally Active Users
    • 7.2.7 Reason for FinTech Popularity
    • 7.2.8 FinTech Usage Growth Obstacles
  • 7.3 FinTech Market Dynamics
    • 7.3.1 Impact of FinTech on Bank and Value Chain Partners
    • 7.3.2 Bank Readiness to Address Digital Challenges
    • 7.3.3 Bank Strength to Combat Digital Challenges including FinTech
    • 7.3.4 Global Bank Revenue Risk from Digital Disruption including FinTech
    • 7.3.5 FinTech Start-up Exits

8.0 Digital Industry and Payment Initiatives

  • 8.1 Google
  • 8.2 Facebook
  • 8.3 Apple
  • 8.4 PayPal
  • 8.5 Square
  • 8.6 Bitcoin
  • 8.7 SocietyOne
  • 8.8 Amazon Payments
  • 8.9 Stripe
  • 8.10 Samsung Pay
  • 8.11 Alibaba
  • 8.12 Western Union
  • 8.13 Amex, MasterCard and Visa
  • 8.14 Lending Club
  • 8.15 Financial Innovation Now
  • 8.16 Stellar

9.0 Bank Initiative Analysis

  • 9.1 Goldman Sachs
  • 9.2 Barclays
  • 9.3 Santander
  • 9.4 HSBC
  • 9.5 UBS
  • 9.6 BBVA
  • 9.7 Citi
  • 9.8 American Express
  • 9.9 Wells Fargo
  • 9.10 JPMorgan Chase

10.0 Regional Initiatives

  • 10.1 Pioneer Zone
    • 10.1.1 USA
      • 10.1.1.1 Silicon Valley
      • 10.1.1.2 New York
    • 10.1.2 UK
      • 10.1.2.1 London
  • 10.2 Emerging Areas
    • 10.2.1 Europe
      • 10.2.1.1 Dublin
      • 10.2.1.2 Berlin
    • 10.2.2 Asia
      • 10.2.2.1 Singapore
      • 10.2.2.2 Hong Kong
    • 10.2.3 Middle East
      • 10.2.3.1 Tel Aviv
    • 10.2.4 Australia
  • 10.3 Government Initiatives

11.0 FinTech Case Studies

  • 11.1 SocietyOne
  • 11.2 Tyro Payments
  • 11.3 Reinventure
  • 11.4 Australasian Wealth Investments
  • 11.5 Billfloat
  • 11.6 L2C Inc
  • 11.7 PayNearMe
  • 11.8 Kabbage
  • 11.9 Fraud Detection and Prevention
  • 11.10 CashMetrics: Finance Management Service
  • 11.11 Enhancing Customer Support
  • 11.12 Data-Driven Client Acquisition
  • 11.13 Fighting Against Money Laundering

12.0 FinTech Companies and Solutions

  • 12.1 Developments with Select Players
  • 12.2 Acorns
  • 12.3 Addepar
  • 12.4 Affirm
  • 12.5 Algomi
  • 12.6 Alphasense
  • 12.7 Adyen
  • 12.8 Avant
  • 12.9 Betterment
  • 12.10 Braintree
  • 12.11 C2FO
  • 12.12 Chain.com
  • 12.13 Circleup
  • 12.14 Credit Karma
  • 12.15 Digit
  • 12.16 Earnest
  • 12.17 Equityzen
  • 12.18 Estimize
  • 12.19 Fundbox
  • 12.20 Fundera
  • 12.21 Fundrise
  • 12.22 Hello Wallet
  • 12.23 IEX
  • 12.24 Kensho
  • 12.25 Level Money
  • 12.26 Learnvest
  • 12.27 Money.net
  • 12.28 Motif
  • 12.29 Nav
  • 12.30 Personal Capital
  • 12.31 Plaid
  • 12.32 Premise Data
  • 12.33 Prosper
  • 12.34 Quantopian
  • 12.35 R3CEV
  • 12.36 Ripple
  • 12.37 Riskalyze
  • 12.38 Robinhood
  • 12.39 Simple
  • 12.40 SOFI
  • 12.41 Transferwise
  • 12.42 Trueaccord
  • 12.43 Trueex
  • 12.44 Vouch
  • 12.45 WealthFront
  • 12.46 WorldRemit
  • 12.47 XAPO
  • 12.48 Xignite
  • 12.49 Zenefits
  • 12.50 ZestFinance
  • 12.51 China Rapid Finance
  • 12.52 Lufax
  • 12.53 OnDeck
  • 12.54 Dwolla
  • 12.55 Moven
  • 12.56 Ally
  • 12.57 Capital One 360
  • 12.58 Vanguard
  • 12.59 Fidelity
  • 12.60 Charles Schwab
  • 12.61 Allstate
  • 12.62 Oscar
  • 12.63 Metromile
  • 12.64 Azimo
  • 12.65 Klarna
  • 12.66 Number26
  • 12.67 Atom Bank
  • 12.68 LendingRobot
  • 12.69 Coinbase
  • 12.70 Angellist
  • 12.71 Securekey
  • 12.72 Kickstarter
  • 12.73 CrowdCube

13.0 Conclusions and Recommendations

  • 13.1 Recommendations to Develop Sound FinTech Ecosystem
    • 13.1.1 Supportive Business Market
    • 13.1.2 Strong Regulatory and Government Support
    • 13.1.3 Adequate Access to Capital and Funding at Every Stage of Business
    • 13.1.4 Focus on Creating Financial Expertise Locally
  • 13.2 Recommendations for Banks and Other Financial Institutions
  • 13.3 Recommendations for FinTech Companies
  • 13.4 Recommendations for Government
  • 13.5 Recommendations for Investment Community

14.0 Appendix: Historical FinTech Investment

  • 14.1 Global FinTech Investment
  • 14.2 Global FinTech Investment by Market Players
  • 14.3 Global FinTech Investment by Category
  • 14.4 Global FinTech Investment by Segment
  • 14.5 Global FinTech Investment by Region
  • 14.6 Global FinTech Investment by Leading Countries
  • 14.7 Banking Internal FinTech Investment
  • 14.8 FinTech Deals (Investments and M&A)

Figures

  • Figure 1: FinTech Ecosystem by Application
  • Figure 2: FinTech Innovation
  • Figure 3: FinTech Collaborative Innovation Approach
  • Figure 4: Google Venture Investment Portfolio by Segment
  • Figure 5: Silicon Valley FinTech Start-up Environment
  • Figure 6: New York FinTech Start-up Environment
  • Figure 7: London FinTech Start-up Environment
  • Figure 8: Dublin FinTech Start-up Environment
  • Figure 9: Berlin FinTech Start-up Environment
  • Figure 10: Singapore FinTech Start-up Environment
  • Figure 11: Hong Kong FinTech Start-up Environment
  • Figure 12: Tel Aviv FinTech Start-up Environment
  • Figure 13: Australia FinTech Start-up Ecosystem
  • Figure 14: Government FinTech Support Structures
  • Figure 15: Framework to Develop FinTech Ecosystem
  • Figure 16: Digital Banking Ecosystem

Tables

  • Table 1: FinTech Landscape
  • Table 2: Banking and Finance Streaming Data in FinTech
  • Table 3: Global IT Investment by Bank 2021 - 2026
  • Table 4: Global Bank IT Investment by Maintenance vs. Innovation 2021 - 2026
  • Table 5: Global FinTech Investment by Banks and Others 2021 - 2026
  • Table 6: Global FinTech by H/W, S/W, Security and Consulting 2021 - 2026
  • Table 7: Global FinTech in Digital Payments, Retail & Bus Finance 2021 - 2026
  • Table 8: Global FinTech by Sub-Category 2021 - 2026
  • Table 9: Global FinTech by Region 2021 - 2026
  • Table 10: Global FinTech Market by Top Five Countries 2021 - 2026
  • Table 11: Banking Internal FinTech Investment 2020 - 2028
  • Table 12: FinTech Deals 2020 - 2028
  • Table 13: Total Investment by Angel, VC, Equity, and Others
  • Table 14: Global FinTech Users 2021 - 2026
  • Table 15: Global FinTech Users by Category 2021 - 2026
  • Table 16: Global FinTech Users by Income Bracket 2021 - 2026
  • Table 17: Global FinTech Users by Age Bracket 2021 - 2026
  • Table 18: FinTech Users by Region 2021 - 2026
  • Table 19: FinTech Adoption of Digitally Active Users by Top Five Countries
  • Table 20: Seven Reasons Cited by FinTech Users
  • Table 21 Six Obstacles to Growth of FinTech Use
  • Table 22: Contribution of Banks and other Value Chain Partners
  • Table 23: Bank Readiness to Address Digital Challenges including FinTech
  • Table 24: Bank Capability to Address Digital Challenges including FinTech
  • Table 25: Global Bank Revenue at Risk due to Digital Disruption
  • Table 26: Number of FinTech Exits
  • Table 27: Goldman Sachs FinTech Investment
  • Table 28: Santander FinTech Investment Chart
  • Table 29: HSBC Investment Chart
  • Table 30: BBVA Investment
  • Table 31: Citi Investment
  • Table 32: American Express Investment
  • Table 33: JPMorgan Chase Investment
  • Table 34: Global FinTech Investment
  • Table 35: Global FinTech Investment by Market Players
  • Table 36: Global FinTech Investment by Category
  • Table 37: Global FinTech Investment by Segment
  • Table 38: Global FinTech Investment by Region
  • Table 39: Global FinTech Investment by Leading Countries
  • Table 40: Banking Internal FinTech Investment
  • Table 41: FinTech Deals
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