세계의 로보 어드바이저리 서비스 시장 예측(-2032년) : 서비스 유형별, 비즈니스 모델별, 투자 전략별, 자산 클래스별, 유통 채널별, 최종사용자별, 지역별 세계 분석

According to Stratistics MRC, the Global Robo-Advisory Services Market is accounted for $11.60 billion in 2025 and is expected to reach $83.20 billion by 2032 growing at a CAGR of 32.5% during the forecast period. Robo-Advisory Services are online platforms that deliver automated financial advice and portfolio management through advanced algorithms and artificial intelligence. They evaluate an investor's financial objectives, risk appetite, and investment duration to create customized strategies. By minimizing human involvement, robo-advisors offer cost-effective, unbiased, and efficient investment solutions, enhancing accessibility and convenience for individuals and organizations seeking smart, data-driven financial planning and asset management.

According to Refinitiv, financial advisors who integrated digital technologies experienced a 77% increase in their retention of clients.

Market Dynamics:

Driver:

Cost-efficiency and affordability

The growing emphasis on cost-effectiveness and financial accessibility is propelling the adoption of robo-advisory platforms. These solutions offer low-fee investment management, making wealth-building tools available to a broader demographic. Automated algorithms reduce operational overhead, enabling providers to offer competitive pricing. As traditional advisory services remain expensive, digital alternatives are gaining traction among younger and mass-affluent investors. The scalability of robo-advisors allows firms to serve large client bases without proportional cost increases. This affordability advantage is central to the market's expansion across both developed and emerging economies.

Restraint:

Security concerns and data privacy

Users are increasingly wary of entrusting sensitive financial information to cloud-based platforms. Regulatory frameworks around digital privacy are evolving, but inconsistencies across regions create compliance challenges. Breaches and unauthorized access incidents have heightened scrutiny of algorithmic decision-making and data storage practices. Smaller fintech firms often lack robust security infrastructure, making them vulnerable to reputational damage. These risks can slow user onboarding and limit trust in automated financial solutions.

Opportunity:

Expansion of hybrid advisory models

The rise of hybrid advisory models is unlocking new growth avenues for robo-advisory platforms. By blending algorithmic efficiency with human expertise, these models cater to clients seeking personalized guidance alongside digital convenience. Financial institutions are integrating hybrid offerings to retain high-value clients while expanding into underserved segments. Advancements in AI and behavioral analytics are enhancing the quality of hybrid recommendations. This approach also supports complex financial planning, such as retirement and tax optimization. As consumer expectations evolve, hybrid models are becoming a strategic differentiator in the competitive landscape.

Threat:

Threat of substitute products

Products such as direct indexing, thematic ETFs, and self-directed trading apps offer tailored investment experiences. These substitutes often appeal to tech-savvy users who prefer granular control over their portfolios. Additionally, traditional advisors are digitizing their services, narrowing the gap with robo platforms. The abundance of choices can fragment user attention and dilute brand loyalty. The proliferation of alternative financial tools poses a competitive threat to robo-advisory platforms.

Covid-19 Impact:

The pandemic accelerated digital adoption but also exposed vulnerabilities in robo-advisory operations. Market volatility led to increased user engagement, yet many platforms struggled to provide timely human support. Remote onboarding and virtual consultations became standard, reshaping client interaction models. Post-pandemic strategies now emphasize resilience, user education, and adaptive portfolio algorithms. The crisis has ultimately reinforced the role of robo-advisors in democratizing access to financial planning.

The hybrid robo-advisors segment is expected to be the largest during the forecast period

The hybrid robo-advisors segment is expected to account for the largest market share during the forecast period, due to its balanced approach to automation and human insight. These platforms offer algorithm-driven recommendations supplemented by professional advisors, enhancing trust and personalization. Clients benefit from scalable digital tools while retaining access to nuanced financial guidance. This model is particularly effective for complex planning scenarios, such as estate management and retirement strategies. Financial institutions are increasingly adopting hybrid formats to serve both mass-market and high-net-worth clients.

The mobile applications segment is expected to have the highest CAGR during the forecast period

Over the forecast period, the mobile applications segment is predicted to witness the highest growth rate, driven by rising smartphone penetration and user preference for on-the-go financial management. These apps offer intuitive interfaces, real-time portfolio tracking, and instant rebalancing features. Younger investors, in particular, are gravitating toward mobile-first platforms for convenience and accessibility. Integration with biometric security and AI-powered chatbots is enhancing user experience and engagement. Financial firms are investing heavily in app development to capture mobile-native audiences.

Region with largest share:

During the forecast period, the Asia Pacific region is expected to hold the largest market share, supported by rapid fintech adoption and expanding middle-class populations. Countries like China, India, and Singapore are witnessing a surge in digital investment platforms. Government initiatives promoting financial inclusion and digital literacy are further catalyzing growth. Local players are forming strategic alliances with global firms to enhance platform capabilities. The region's youthful demographics and mobile-first behavior are ideal for robo-advisory expansion.

Region with highest CAGR:

Over the forecast period, the North America region is anticipated to exhibit the highest CAGR, fueled by technological leadership and a mature investment culture. The U.S. and Canada are home to pioneering robo-advisory firms that continuously refine algorithms and user interfaces. Regulatory clarity and strong investor protection frameworks support innovation and adoption. High disposable incomes and digital savviness among consumers contribute to robust market growth. Institutions are integrating robo-advisory tools with broader wealth management platforms to enhance service delivery.

Key players in the market

Some of the key players in Robo-Advisory Services Market include Vanguard, Envestnet, Charles Schwab, Moneybox, Fidelity, WealthNavi, Betterment, Endowus, Wealthfront, J.P. Morgan, Acorns, Moneyfarm, M1 Finance, Personal Capital, and SoFi.

Key Developments:

In April 2025, Fidelity Investments announced the launch of two fixed income ETFs: Fidelity Municipal Bond Opportunities ETF (FMUB) and Fidelity Systematic Municipal Bond Index ETF (FMUN). According to Fidelity's Portfolio Construction Insights, the number of portfolios that utilize fixed income ETFs increased by 6% in the past year and more than two-thirds of portfolios analyzed had a fixed income allocation[i], reinforcing investor demand in the fixed income ETF market.

In November 2023, Endowus announced that it is strengthening its existing relationship with the leading global equity management solution provider, Carta, by strategically partnering on new solutions. These new solutions will help solve a persistent pain point for employees of startups, with regards to the liquidity of their holdings in startup equity.

Service Types Covered:

• Pure Robo-Advisors
• Hybrid Robo-Advisors
• White-Label Robo-Advisory Platforms
• B2B Robo-Advisory Solutions
• Other Service Types

Business Models Covered:

• AUM-Based Fees
• Subscription-Based Fees
• Commission-Based Fees
• Freemium and Tiered Pricing Models

Investment Strategies Covered:

• Passive/Index-Based Investing
• Active/Algorithmic Investing
• Goal-Based Investing
• ESG/Sustainable Investing
• Tax Optimization Strategies

Asset Classes Covered:

• Equity
• Fixed Income
• Alternative Investments
• Multi-Asset Portfolios
• Cryptocurrency and Digital Assets

Distribution Channels Covered:

• Web-Based Platforms
• Mobile Applications
• API/Embedded Finance Platforms

End Users Covered:

• Retail Investors
• High-Net-Worth Individuals (HNWIs)
• Banks and Wealth Management Firms
• Financial Advisors
• Institutional Investors
• Other End Users

Regions Covered:

• North America
  • US
  • Canada
  • Mexico
• Europe
  • Germany
  • UK
  • Italy
  • France
  • Spain
  • Rest of Europe
• Asia Pacific
  • Japan
  • China
  • India
  • Australia
  • New Zealand
  • South Korea
  • Rest of Asia Pacific
• South America
  • Argentina
  • Brazil
  • Chile
  • Rest of South America
• Middle East & Africa
  • Saudi Arabia
  • UAE
  • Qatar
  • South Africa
  • Rest of Middle East & Africa

What our report offers:

• Market share assessments for the regional and country-level segments
• Strategic recommendations for the new entrants
• Covers Market data for the years 2024, 2025, 2026, 2028, and 2032
• Market Trends (Drivers, Constraints, Opportunities, Threats, Challenges, Investment Opportunities, and recommendations)
• Strategic recommendations in key business segments based on the market estimations
• Competitive landscaping mapping the key common trends
• Company profiling with detailed strategies, financials, and recent developments
• Supply chain trends mapping the latest technological advancements

Free Customization Offerings:

All the customers of this report will be entitled to receive one of the following free customization options:

• Company Profiling
  • Comprehensive profiling of additional market players (up to 3)
  • SWOT Analysis of key players (up to 3)
• Regional Segmentation
  • Market estimations, Forecasts and CAGR of any prominent country as per the client's interest (Note: Depends on feasibility check)
• Competitive Benchmarking
  • Benchmarking of key players based on product portfolio, geographical presence, and strategic alliances

Table of Contents

1 Executive Summary

2 Preface

• 2.1 Abstract
• 2.2 Stake Holders
• 2.3 Research Scope
• 2.4 Research Methodology
  • 2.4.1 Data Mining
  • 2.4.2 Data Analysis
  • 2.4.3 Data Validation
  • 2.4.4 Research Approach
• 2.5 Research Sources
  • 2.5.1 Primary Research Sources
  • 2.5.2 Secondary Research Sources
  • 2.5.3 Assumptions

3 Market Trend Analysis

• 3.1 Introduction
• 3.2 Drivers
• 3.3 Restraints
• 3.4 Opportunities
• 3.5 Threats
• 3.6 End User Analysis
• 3.7 Emerging Markets
• 3.8 Impact of Covid-19

4 Porters Five Force Analysis

• 4.1 Bargaining power of suppliers
• 4.2 Bargaining power of buyers
• 4.3 Threat of substitutes
• 4.4 Threat of new entrants
• 4.5 Competitive rivalry

5 Global Robo-Advisory Services Market, By Service Type

• 5.1 Introduction
• 5.2 Pure Robo-Advisors
• 5.3 Hybrid Robo-Advisors
• 5.4 White-Label Robo-Advisory Platforms
• 5.5 B2B Robo-Advisory Solutions
• 5.6 Other Service Types

6 Global Robo-Advisory Services Market, By Business Model

• 6.1 Introduction
• 6.2 AUM-Based Fees
• 6.3 Subscription-Based Fees
• 6.4 Commission-Based Fees
• 6.5 Freemium and Tiered Pricing Models

7 Global Robo-Advisory Services Market, By Investment Strategy

• 7.1 Introduction
• 7.2 Passive/Index-Based Investing
• 7.3 Active/Algorithmic Investing
• 7.4 Goal-Based Investing
• 7.5 ESG/Sustainable Investing
• 7.6 Tax Optimization Strategies

8 Global Robo-Advisory Services Market, By Asset Class

• 8.1 Introduction
• 8.2 Equity
• 8.3 Fixed Income
• 8.4 Alternative Investments
• 8.5 Multi-Asset Portfolios
• 8.6 Cryptocurrency and Digital Assets

9 Global Robo-Advisory Services Market, By Distribution Channel

• 9.1 Introduction
• 9.2 Web-Based Platforms
• 9.3 Mobile Applications
• 9.4 API/Embedded Finance Platforms

10 Global Robo-Advisory Services Market, By End User

• 10.1 Introduction
• 10.2 Retail Investors
• 10.3 High-Net-Worth Individuals (HNWIs)
• 10.4 Banks and Wealth Management Firms
• 10.5 Financial Advisors
• 10.6 Institutional Investors
• 10.7 Other End Users

11 Global Robo-Advisory Services Market, By Geography

• 11.1 Introduction
• 11.2 North America
  • 11.2.1 US
  • 11.2.2 Canada
  • 11.2.3 Mexico
• 11.3 Europe
  • 11.3.1 Germany
  • 11.3.2 UK
  • 11.3.3 Italy
  • 11.3.4 France
  • 11.3.5 Spain
  • 11.3.6 Rest of Europe
• 11.4 Asia Pacific
  • 11.4.1 Japan
  • 11.4.2 China
  • 11.4.3 India
  • 11.4.4 Australia
  • 11.4.5 New Zealand
  • 11.4.6 South Korea
  • 11.4.7 Rest of Asia Pacific
• 11.5 South America
  • 11.5.1 Argentina
  • 11.5.2 Brazil
  • 11.5.3 Chile
  • 11.5.4 Rest of South America
• 11.6 Middle East & Africa
  • 11.6.1 Saudi Arabia
  • 11.6.2 UAE
  • 11.6.3 Qatar
  • 11.6.4 South Africa
  • 11.6.5 Rest of Middle East & Africa

12 Key Developments

• 12.1 Agreements, Partnerships, Collaborations and Joint Ventures
• 12.2 Acquisitions & Mergers
• 12.3 New Product Launch
• 12.4 Expansions
• 12.5 Other Key Strategies

13 Company Profiling

• 13.1 Vanguard
• 13.2 Envestnet
• 13.3 Charles Schwab
• 13.4 Moneybox
• 13.5 Fidelity
• 13.6 WealthNavi
• 13.7 Betterment
• 13.8 Endowus
• 13.9 Wealthfront
• 13.10 J.P. Morgan Personal Investing
• 13.11 Acorns
• 13.12 Moneyfarm
• 13.13 M1 Finance
• 13.14 Personal Capital
• 13.15 SoFi