북미의 핀테크 시장 : 점유율 분석, 산업 동향 및 통계, 성장 예측(2025-2030년)

The North America Fintech Market size is estimated at USD 145.37 billion in 2025, and is expected to reach USD 325.59 billion by 2030, at a CAGR of 17.5% during the forecast period (2025-2030).

Fintech, which stands for financial technology, involves harnessing technological advancements to offer financial services with greater efficiency than traditional institutions. It includes mobile banking, peer-to-peer lending, crowdfunding, robo-advisors for wealth management, and digital payments. Fintech companies leverage technology to offer services that are more convenient and cost-effective than traditional financial institutions.

The North American fintech market is dynamic and rapidly evolving, with companies revolutionizing how people access financial services. Key segments include digital payment solutions like mobile wallets and peer-to-peer payment platforms. The regulatory environment in North America is relatively favorable for fintech companies, with regulators encouraging innovation. North American consumers and businesses are early adopters of fintech solutions, driving the demand for digital banking and mobile payments. North America attracts significant investment and funding in the fintech sector, with venture capital firms, banks, and other financial institutions investing in startups and innovative technologies.

North America Fintech Market Trends

Growth in the North American Digital Payment Market

North America's digital payment transaction value has grown significantly in recent years, driven by several factors. The expansion of e-commerce has substantially increased the demand for efficient and secure digital payment solutions. This growth reflects consumers' increasing preference for seamless and reliable payment methods, driven by technological advancements and the rise in online shopping.

The widespread adoption of mobile and contactless payments is another major contributor, offering consumers enhanced convenience and speed. Technological improvements, including enhanced security measures and innovative payment platforms, further stimulate the market's growth. Supportive regulatory environments and increased investment in digital payment infrastructure also improve market accessibility. The COVID-19 pandemic accelerated the shift to digital transactions, with businesses and consumers increasingly favoring contactless and remote payment methods. This transition has further reinforced the movement toward a cashless economy.

The United States is Leading the North American Fintech Market

The United States has significantly altered various aspects of finance, including lending, investing, loan selection, startup support, and acquisitions. A notable trend shows that one-third of US digital consumers now use two or more fintech services, indicating increased acceptance and integration of fintech solutions in daily financial activities.

The US fintech market continues to grow, as reflected in its increasing market value. Neo-banking and digital payments lead in transaction value, attracting increased investment from new market entrants. This expansion is driven by consumer demand for more convenient, efficient, and accessible financial services.

Consumers aged 18-40 show higher trust in fintech brands compared to traditional financial institutions. This demographic shift suggests a changing landscape in financial services, with younger generations more readily adopting innovative financial technologies.

These trends in the United States significantly influence the broader North American fintech landscape. As the US market matures, it establishes benchmarks and patterns that often extend across the continent, potentially shaping the development of fintech sectors in neighboring countries.

North America Fintech Industry Overview

The North American fintech market is largely consolidated, with a few dominant players in each sub-sector of the industry. This consolidation has been driven by a few factors, including high barriers to entry due to regulatory compliance requirements, the need for significant capital investment to develop and scale fintech solutions, and the network effects that arise as fintech companies grow and develop their customer bases. Some of the major players in the market are Stripe, Chime, Avant, Wealthsimple, and SoFi.

Additional Benefits:

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

TABLE OF CONTENTS

1 INTRODUCTION

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

2 RESEARCH METHODOLOGY

3 EXECUTIVE SUMMARY

4 MARKET INSIGHTS AND DYNAMICS

• 4.1 Market Overview
• 4.2 Market Drivers
  • 4.2.1 Innovations Such as Blockchain, Artificial Intelligence, and Machine Learning Enhance the Efficiency and Capabilities of Fintech Solutions
• 4.3 Market Restraints
  • 4.3.1 Increasing Concerns About Data Breaches and Fraud May Hinder Consumer Trust and Adoption of Digital Financial Services
• 4.4 Market Opportunities And Future Trends
  • 4.4.1 Collaborations Between Fintech Firms and Traditional Financial Institutions Can Drive the Market's Growth By Integrating Innovative Technologies Into Established Systems
  • 4.4.2 Increased Adoption of Digital Wallets Presents Opportunities for Fintech Firms to Offer Innovative Payment Solutions and Integrate with Various Financial Services
• 4.5 Insights on Key Regulations and Industry Policies Impacting Fintech Market in the Region
• 4.6 A Brief on Internet and Smartphone Penetration in the Region
• 4.7 Revenue and Funding Statistics
• 4.8 Porter's Five Forces Analysis
  • 4.8.1 Bargaining Power of Buyers/Consumers
  • 4.8.2 Bargaining Power of Suppliers
  • 4.8.3 Threat of New Entrants
  • 4.8.4 Threat of Substitute Products
  • 4.8.5 Intensity of Competitive Rivalry
• 4.9 Impact of the COVID-19 Pandemic on the Market

5 MARKET SEGMENTATION

• 5.1 By Service Proposition
  • 5.1.1 Money Transfer and Payments
  • 5.1.2 Savings and Investments
  • 5.1.3 Digital Lending and Lending Marketplaces
  • 5.1.4 Online Insurance and Insurance Marketplaces
  • 5.1.5 Other Service Propositions
• 5.2 By Country
  • 5.2.1 United States
  • 5.2.2 Canada
  • 5.2.3 Rest of North America

6 COMPETITIVE LANDSCAPE

• 6.1 Overview (Market Concentration and Major Players)
• 6.2 Company Profiles
  • 6.2.1 Avant LLC
  • 6.2.2 Chime Financial Inc.
  • 6.2.3 Wealthsimple Inc.
  • 6.2.4 Stripe Inc.
  • 6.2.5 SoFi Technologies Inc.
  • 6.2.6 Square
  • 6.2.7 Kraken
  • 6.2.8 Oscar Health
  • 6.2.9 Mogo

7 MARKET FUTURE TRENDS

8 DISCLAIMER AND ABOUT US