금융 데이터 집계 시장 예측(-2032년) : 구성요소별, 전개 방식별, 데이터 종류별, 기업 규모별, 용도별, 최종사용자별, 지역별 분석

According to Stratistics MRC, the Global Financial Data Aggregation Market is accounted for $6.49 billion in 2025 and is expected to reach $25.69 billion by 2032 growing at a CAGR of 21.7% during the forecast period. Financial Data Aggregation involves gathering and merging financial records from varied platforms like banks, credit cards, investment accounts, insurance systems, and business ledgers into one coherent dashboard. This consolidated approach helps users and enterprises gain timely visibility into their finances, streamline reporting tasks, and strengthen decision-making. By unifying scattered financial datasets, it boosts operational clarity, reduces manual effort, and ensures more dependable and efficient financial management processes.

Market Dynamics:

Driver:

Rising demand for personalization

Users increasingly expect customized insights, tailored product recommendations, and contextual advice across banking, wealth management, and budgeting applications. Aggregators enable institutions to deliver hyper-personalized services by consolidating transactional, behavioral, and portfolio data. As customer expectations rise, financial firms are leveraging AI models trained on aggregated datasets to refine personalization accuracy. Enhanced customization helps institutions improve user satisfaction, retention, and cross-selling opportunities. This shift toward individualized financial journeys is becoming a major catalyst for market expansion.

Restraint:

Lack of uniform data standards/quality

Variations in formats, APIs, and update frequencies lead to fragmented datasets that complicate real-time aggregation. Poor data quality can result in incomplete, inaccurate, or outdated information, undermining user trust and service reliability. Financial institutions must invest heavily in data cleansing and harmonization to ensure seamless integration. Compliance with evolving regulatory frameworks adds further complexity to standardization efforts. These challenges collectively raise operational costs and slow down platform scalability.

Opportunity:

Global expansion of open finance

Governments and regulators are encouraging secure data-sharing ecosystems to enhance transparency and competition in financial services. As open APIs gain traction beyond banking covering investments, insurance, and pensions the scope of aggregation is broadening. This expansion enables platforms to deliver more comprehensive financial insights and advanced analytics. Cross-border initiatives are encouraging multinational service models and new business partnerships. Open finance also supports innovation by enabling fintechs to build value-added services on top of enriched datasets.

Threat:

Competition from large technology companies

Tech companies benefit from vast customer bases, advanced analytics capabilities, and strong brand recognition. Their ability to integrate financial features seamlessly into existing ecosystems poses a challenge for smaller aggregators. These players also invest heavily in AI and cloud infrastructure, elevating user expectations for speed and personalization. Smaller companies may struggle to differentiate in a market shaped by powerful digital platforms. Partnerships, acquisitions, and ecosystem strategies from big tech firms are reshaping competitive dynamics.

Covid-19 Impact:

The COVID-19 pandemic accelerated digital financial adoption, driving increased reliance on data aggregation platforms. Remote banking and contactless transactions boosted the need for unified financial views and automated insights. Consumers sought better financial planning tools due to income shifts and economic instability. Financial institutions used aggregated data to strengthen risk assessment and customer engagement strategies. However, budget constraints and IT delays temporarily affected implementation timelines for some firms. Post-pandemic, digital-first financial behavior continues to sustain demand for aggregation solutions.

The cloud-based segment is expected to be the largest during the forecast period

The cloud-based segment is expected to account for the largest market share during the forecast period, due to its scalability, cost-efficiency, and ease of deployment. Cloud infrastructure enables rapid integration of diverse data sources and accelerates analytics capabilities. Financial institutions increasingly prefer cloud solutions to support agile innovation and faster product rollout. Continuous updates and automatic security enhancements strengthen operational reliability. Cloud platforms also facilitate high-speed data processing essential for real-time aggregation. Their ability to support large volumes of financial data makes them the preferred choice for both fintechs and banks.

The Fintech companies segment is expected to have the highest CAGR during the forecast period

Over the forecast period, the Fintech companies segment is predicted to witness the highest growth rate, as these firms aggressively adopt aggregation to deliver innovative financial tools. Fintechs rely on integrated data to power budgeting apps, robo-advisory platforms, lending models, and embedded finance offerings. Their agility and digital-native approach accelerate the adoption of open APIs and advanced analytics. Growing customer demand for intuitive, app-based financial experiences further boosts utilization. Venture capital investment continues to fuel innovation and market penetration.

Region with largest share:

During the forecast period, the North America region is expected to hold the largest market share, driven by advanced digital banking adoption and strong regulatory support for open finance. The U.S. and Canada have mature financial ecosystems that prioritize seamless data connectivity. High consumer willingness to adopt digital financial tools supports rapid aggregation adoption. Established fintech clusters and major technology companies further strengthen regional leadership. Financial institutions actively invest in analytics, API modernization, and cloud transformation. The region's robust cybersecurity infrastructure enhances trust in data-sharing platforms.

Region with highest CAGR:

Over the forecast period, the Asia Pacific region is anticipated to exhibit the highest CAGR, owing to rapid digital transformation and expanding fintech ecosystems. Countries such as India, China, and Singapore are witnessing surging adoption of mobile banking and super-app financial services. Growing middle-class populations are increasingly seeking unified financial management tools. Government initiatives promoting open banking and digital payments are accelerating ecosystem development. Regional fintech startups are driving innovation in loans, wealthtech, and personal finance management using aggregated data. High internet penetration and mobile-first behavior further boost growth rates.

Key players in the market

Some of the key players in Financial Data Aggregation Market include Plaid, Kontomatik, Envestnet, GoCardless, Tink, Bud, TrueLayer, Flinks, Salt Edge, Akoya, MX, Trustly, Finicity, Token, and Yapily.

Key Developments:

In November 2025, GoCardless has announced further support for grassroots football with 15 new partnerships with County Football Associations (FA) across England. The initiatives will not only help local teams focus less on chasing late payments, and more on building community, self-belief and lifelong healthy habits through football -- they will also see GoCardless working hand-in-hand with County FAs to champion accessibility, diversity, and inclusion across the game.

In June 2020, Mastercard announced it has entered into an agreement to acquire Finicity, a leading North American provider of real-time access to financial data and insights. The purchase price is US$825 million, and Finicity's existing shareholders have the potential for an earn-out of up to an additional $160 million, if performance targets are met.

Components Covered:

• Solutions
• Services

Deployment Modes Covered:

• On-Premises
• Cloud-Based

Data Types Covered:

• Bank Account Data
• Investment & Wealth Data
• Credit & Loan Data
• Insurance Data
• Payment & Transaction Data
• Payroll & Income Data

Enterprise Sizes Covered:

• Large Enterprises
• Small & Medium Enterprises (SMEs)

Applications Covered:

• Personal Finance Management (PFM)
• Wealth Management & Advisory
• Credit Risk Assessment
• Payment Initiation & Verification
• Lending & Underwriting
• Fraud Detection & Compliance
• Customer Onboarding & KYC
• Open Banking Use Cases
• Other Applications

End Users Covered:

• Banks & Financial Institutions
• Fintech Companies
• Credit Unions
• Wealth Management Firms
• Insurance Companies
• Payment Service Providers
• Credit Bureaus
• Retailers & E-Commerce Platforms

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 Application Analysis
• 3.7 End User Analysis
• 3.8 Emerging Markets
• 3.9 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 Financial Data Aggregation Market, By Component

• 5.1 Introduction
• 5.2 Solutions
  • 5.2.1 Data Extraction & Normalization Tools
  • 5.2.2 Analytics Dashboards
  • 5.2.3 Account Aggregation Platforms
  • 5.2.4 API Management Tools
  • 5.2.5 Data Enrichment & Categorization Software
• 5.3 Services
  • 5.3.1 Professional Services
  • 5.3.2 Managed Services

6 Global Financial Data Aggregation Market, By Deployment Mode

• 6.1 Introduction
• 6.2 On-Premises
• 6.3 Cloud-Based

7 Global Financial Data Aggregation Market, By Data Type

• 7.1 Introduction
• 7.2 Bank Account Data
• 7.3 Investment & Wealth Data
• 7.4 Credit & Loan Data
• 7.5 Insurance Data
• 7.6 Payment & Transaction Data
• 7.7 Payroll & Income Data

8 Global Financial Data Aggregation Market, By Enterprise Size

• 8.1 Introduction
• 8.2 Large Enterprises
• 8.3 Small & Medium Enterprises (SMEs)

9 Global Financial Data Aggregation Market, By Application

• 9.1 Introduction
• 9.2 Personal Finance Management (PFM)
• 9.3 Wealth Management & Advisory
• 9.4 Credit Risk Assessment
• 9.5 Payment Initiation & Verification
• 9.6 Lending & Underwriting
• 9.7 Fraud Detection & Compliance
• 9.8 Customer Onboarding & KYC
• 9.9 Open Banking Use Cases
• 9.10 Other Applications

10 Global Financial Data Aggregation Market, By End User

• 10.1 Introduction
• 10.2 Banks & Financial Institutions
• 10.3 Fintech Companies
• 10.4 Credit Unions
• 10.5 Wealth Management Firms
• 10.6 Insurance Companies
• 10.7 Payment Service Providers
• 10.8 Credit Bureaus
• 10.9 Retailers & E-Commerce Platforms

11 Global Financial Data Aggregation 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 Plaid
• 13.2 Kontomatik
• 13.3 Envestnet | Yodlee
• 13.4 GoCardless
• 13.5 Tink
• 13.6 Bud
• 13.7 TrueLayer
• 13.8 Flinks
• 13.9 Salt Edge
• 13.10 Akoya
• 13.11 MX
• 13.12 Trustly
• 13.13 Finicity
• 13.14 Token
• 13.15 Yapily