AI 플랫폼 대출 시장 : 세계 산업 규모, 점유율, 동향, 기회, 예측 - 유형별, AI 유형별, 최종사용자별, 지역별, 경쟁별(2020-2030년)

The Global AI Platform Lending Market, valued at USD 74.90 Billion in 2024, is projected to experience a CAGR of 23% to reach USD 259.37 Billion by 2030. The Global AI Platform Lending Market encompasses financial technology solutions that leverage artificial intelligence and machine learning to automate and optimize various stages of the lending process, from credit assessment and underwriting to fraud detection and portfolio management.

Key Market Drivers

The Global AI Platform Lending Market is significantly propelled by advanced AI and machine learning capabilities. These technologies empower lenders to analyze extensive and diverse datasets, moving beyond traditional metrics to identify complex patterns crucial for assessing borrower creditworthiness. This analytical precision supports informed decision-making and drives product innovation. According to IBM, October 2023, "Global AI Adoption Index 2023", 4% of financial services institutions reported actively deploying artificial intelligence, indicating significant integration.

Key Market Challenges

The Global AI Platform Lending Market faces a substantial impediment in navigating complex data privacy concerns and the rapidly evolving regulatory landscape surrounding artificial intelligence applications in finance. The absence of clear, harmonized frameworks for these technologies creates significant compliance uncertainties for financial institutions. This regulatory ambiguity often translates into increased legal and operational overheads, as entities must dedicate considerable resources to monitoring and adapting to disparate and frequently updated regulations across various jurisdictions.

Key Market Trends

Embedded Lending Integration with Non-Financial Platforms represents a significant shift by integrating credit products directly into customer journeys on non-financial platforms. This approach enhances convenience and expands the market for lending by creating new distribution channels beyond traditional financial institutions. Consumers and businesses can thus obtain financing at the precise moment of need, such as during e-commerce transactions or within business management software. For example, according to the GSMA's 'State of the Industry Report on Mobile Money 2025', 44% of mobile money providers offered credit services as of June 2024, demonstrating lending integration into non-traditional platforms.

Key Market Players

• Tavant Technologies Inc.
• ICE Mortgage Technology, Inc.
• Fiserv, Inc.
• Pegasystems Inc.
• Newgen Software Technologies Limited
• Social Finance, LLC
• Blend Labs, Inc.
• Nucleus Software Exports Ltd.
• Sigma Infosolutions Ltd.
• Upstart Network, Inc.

Report Scope:

In this report, the Global AI Platform Lending Market has been segmented into the following categories, in addition to the industry trends which have also been detailed below:

AI Platform Lending Market, By Type:

• Natural Language Processing
• Deep Learning
• Machine Learning
• Others

AI Platform Lending Market, By AI Type:

• Analytics
• Text
• Visual
• Others

AI Platform Lending Market, By End-User:

• Bank
• Government
• Education
• Others

AI Platform Lending Market, By Region:

• North America
  • United States
  • Canada
  • Mexico
• Europe
  • France
  • United Kingdom
  • Italy
  • Germany
  • Spain
• Asia Pacific
  • China
  • India
  • Japan
  • Australia
  • South Korea
• South America
  • Brazil
  • Argentina
  • Colombia
• Middle East & Africa
  • South Africa
  • Saudi Arabia
  • UAE

Competitive Landscape

Company Profiles: Detailed analysis of the major companies presents in the Global AI Platform Lending Market.

Available Customizations:

Global AI Platform Lending Market report with the given market data, TechSci Research offers customizations according to a company's specific needs. The following customization options are available for the report:

Company Information

• Detailed analysis and profiling of additional market players (up to five).

Table of Contents

1. Product Overview

• 1.1. Market Definition
• 1.2. Scope of the Market
  • 1.2.1. Markets Covered
  • 1.2.2. Years Considered for Study
  • 1.2.3. Key Market Segmentations

2. Research Methodology

• 2.1. Objective of the Study
• 2.2. Baseline Methodology
• 2.3. Key Industry Partners
• 2.4. Major Association and Secondary Sources
• 2.5. Forecasting Methodology
• 2.6. Data Triangulation & Validation
• 2.7. Assumptions and Limitations

3. Executive Summary

• 3.1. Overview of the Market
• 3.2. Overview of Key Market Segmentations
• 3.3. Overview of Key Market Players
• 3.4. Overview of Key Regions/Countries
• 3.5. Overview of Market Drivers, Challenges, Trends

4. Voice of Customer

5. Global AI Platform Lending Market Outlook

• 5.1. Market Size & Forecast
  • 5.1.1. By Value
• 5.2. Market Share & Forecast
  • 5.2.1. By Type (Natural Language Processing, Deep Learning, Machine Learning, Others)
  • 5.2.2. By AI Type (Analytics, Text, Visual, Others)
  • 5.2.3. By End-User (Bank, Government, Education, Others)
  • 5.2.4. By Region
  • 5.2.5. By Company (2024)
• 5.3. Market Map

6. North America AI Platform Lending Market Outlook

• 6.1. Market Size & Forecast
  • 6.1.1. By Value
• 6.2. Market Share & Forecast
  • 6.2.1. By Type
  • 6.2.2. By AI Type
  • 6.2.3. By End-User
  • 6.2.4. By Country
• 6.3. North America: Country Analysis
  • 6.3.1. United States AI Platform Lending Market Outlook
    • 6.3.1.1. Market Size & Forecast
      • 6.3.1.1.1. By Value
    • 6.3.1.2. Market Share & Forecast
      • 6.3.1.2.1. By Type
      • 6.3.1.2.2. By AI Type
      • 6.3.1.2.3. By End-User
  • 6.3.2. Canada AI Platform Lending Market Outlook
    • 6.3.2.1. Market Size & Forecast
      • 6.3.2.1.1. By Value
    • 6.3.2.2. Market Share & Forecast
      • 6.3.2.2.1. By Type
      • 6.3.2.2.2. By AI Type
      • 6.3.2.2.3. By End-User
  • 6.3.3. Mexico AI Platform Lending Market Outlook
    • 6.3.3.1. Market Size & Forecast
      • 6.3.3.1.1. By Value
    • 6.3.3.2. Market Share & Forecast
      • 6.3.3.2.1. By Type
      • 6.3.3.2.2. By AI Type
      • 6.3.3.2.3. By End-User

7. Europe AI Platform Lending Market Outlook

• 7.1. Market Size & Forecast
  • 7.1.1. By Value
• 7.2. Market Share & Forecast
  • 7.2.1. By Type
  • 7.2.2. By AI Type
  • 7.2.3. By End-User
  • 7.2.4. By Country
• 7.3. Europe: Country Analysis
  • 7.3.1. Germany AI Platform Lending Market Outlook
    • 7.3.1.1. Market Size & Forecast
      • 7.3.1.1.1. By Value
    • 7.3.1.2. Market Share & Forecast
      • 7.3.1.2.1. By Type
      • 7.3.1.2.2. By AI Type
      • 7.3.1.2.3. By End-User
  • 7.3.2. France AI Platform Lending Market Outlook
    • 7.3.2.1. Market Size & Forecast
      • 7.3.2.1.1. By Value
    • 7.3.2.2. Market Share & Forecast
      • 7.3.2.2.1. By Type
      • 7.3.2.2.2. By AI Type
      • 7.3.2.2.3. By End-User
  • 7.3.3. United Kingdom AI Platform Lending Market Outlook
    • 7.3.3.1. Market Size & Forecast
      • 7.3.3.1.1. By Value
    • 7.3.3.2. Market Share & Forecast
      • 7.3.3.2.1. By Type
      • 7.3.3.2.2. By AI Type
      • 7.3.3.2.3. By End-User
  • 7.3.4. Italy AI Platform Lending Market Outlook
    • 7.3.4.1. Market Size & Forecast
      • 7.3.4.1.1. By Value
    • 7.3.4.2. Market Share & Forecast
      • 7.3.4.2.1. By Type
      • 7.3.4.2.2. By AI Type
      • 7.3.4.2.3. By End-User
  • 7.3.5. Spain AI Platform Lending Market Outlook
    • 7.3.5.1. Market Size & Forecast
      • 7.3.5.1.1. By Value
    • 7.3.5.2. Market Share & Forecast
      • 7.3.5.2.1. By Type
      • 7.3.5.2.2. By AI Type
      • 7.3.5.2.3. By End-User

8. Asia Pacific AI Platform Lending Market Outlook

• 8.1. Market Size & Forecast
  • 8.1.1. By Value
• 8.2. Market Share & Forecast
  • 8.2.1. By Type
  • 8.2.2. By AI Type
  • 8.2.3. By End-User
  • 8.2.4. By Country
• 8.3. Asia Pacific: Country Analysis
  • 8.3.1. China AI Platform Lending Market Outlook
    • 8.3.1.1. Market Size & Forecast
      • 8.3.1.1.1. By Value
    • 8.3.1.2. Market Share & Forecast
      • 8.3.1.2.1. By Type
      • 8.3.1.2.2. By AI Type
      • 8.3.1.2.3. By End-User
  • 8.3.2. India AI Platform Lending Market Outlook
    • 8.3.2.1. Market Size & Forecast
      • 8.3.2.1.1. By Value
    • 8.3.2.2. Market Share & Forecast
      • 8.3.2.2.1. By Type
      • 8.3.2.2.2. By AI Type
      • 8.3.2.2.3. By End-User
  • 8.3.3. Japan AI Platform Lending Market Outlook
    • 8.3.3.1. Market Size & Forecast
      • 8.3.3.1.1. By Value
    • 8.3.3.2. Market Share & Forecast
      • 8.3.3.2.1. By Type
      • 8.3.3.2.2. By AI Type
      • 8.3.3.2.3. By End-User
  • 8.3.4. South Korea AI Platform Lending Market Outlook
    • 8.3.4.1. Market Size & Forecast
      • 8.3.4.1.1. By Value
    • 8.3.4.2. Market Share & Forecast
      • 8.3.4.2.1. By Type
      • 8.3.4.2.2. By AI Type
      • 8.3.4.2.3. By End-User
  • 8.3.5. Australia AI Platform Lending Market Outlook
    • 8.3.5.1. Market Size & Forecast
      • 8.3.5.1.1. By Value
    • 8.3.5.2. Market Share & Forecast
      • 8.3.5.2.1. By Type
      • 8.3.5.2.2. By AI Type
      • 8.3.5.2.3. By End-User

9. Middle East & Africa AI Platform Lending Market Outlook

• 9.1. Market Size & Forecast
  • 9.1.1. By Value
• 9.2. Market Share & Forecast
  • 9.2.1. By Type
  • 9.2.2. By AI Type
  • 9.2.3. By End-User
  • 9.2.4. By Country
• 9.3. Middle East & Africa: Country Analysis
  • 9.3.1. Saudi Arabia AI Platform Lending Market Outlook
    • 9.3.1.1. Market Size & Forecast
      • 9.3.1.1.1. By Value
    • 9.3.1.2. Market Share & Forecast
      • 9.3.1.2.1. By Type
      • 9.3.1.2.2. By AI Type
      • 9.3.1.2.3. By End-User
  • 9.3.2. UAE AI Platform Lending Market Outlook
    • 9.3.2.1. Market Size & Forecast
      • 9.3.2.1.1. By Value
    • 9.3.2.2. Market Share & Forecast
      • 9.3.2.2.1. By Type
      • 9.3.2.2.2. By AI Type
      • 9.3.2.2.3. By End-User
  • 9.3.3. South Africa AI Platform Lending Market Outlook
    • 9.3.3.1. Market Size & Forecast
      • 9.3.3.1.1. By Value
    • 9.3.3.2. Market Share & Forecast
      • 9.3.3.2.1. By Type
      • 9.3.3.2.2. By AI Type
      • 9.3.3.2.3. By End-User

10. South America AI Platform Lending Market Outlook

• 10.1. Market Size & Forecast
  • 10.1.1. By Value
• 10.2. Market Share & Forecast
  • 10.2.1. By Type
  • 10.2.2. By AI Type
  • 10.2.3. By End-User
  • 10.2.4. By Country
• 10.3. South America: Country Analysis
  • 10.3.1. Brazil AI Platform Lending Market Outlook
    • 10.3.1.1. Market Size & Forecast
      • 10.3.1.1.1. By Value
    • 10.3.1.2. Market Share & Forecast
      • 10.3.1.2.1. By Type
      • 10.3.1.2.2. By AI Type
      • 10.3.1.2.3. By End-User
  • 10.3.2. Colombia AI Platform Lending Market Outlook
    • 10.3.2.1. Market Size & Forecast
      • 10.3.2.1.1. By Value
    • 10.3.2.2. Market Share & Forecast
      • 10.3.2.2.1. By Type
      • 10.3.2.2.2. By AI Type
      • 10.3.2.2.3. By End-User
  • 10.3.3. Argentina AI Platform Lending Market Outlook
    • 10.3.3.1. Market Size & Forecast
      • 10.3.3.1.1. By Value
    • 10.3.3.2. Market Share & Forecast
      • 10.3.3.2.1. By Type
      • 10.3.3.2.2. By AI Type
      • 10.3.3.2.3. By End-User

11. Market Dynamics

• 11.1. Drivers
• 11.2. Challenges

12. Market Trends & Developments

• 12.1. Merger & Acquisition (If Any)
• 12.2. Product Launches (If Any)
• 12.3. Recent Developments

13. Global AI Platform Lending Market: SWOT Analysis

14. Porter's Five Forces Analysis

• 14.1. Competition in the Industry
• 14.2. Potential of New Entrants
• 14.3. Power of Suppliers
• 14.4. Power of Customers
• 14.5. Threat of Substitute Products

15. Competitive Landscape

• 15.1. Tavant Technologies Inc.
  • 15.1.1. Business Overview
  • 15.1.2. Products & Services
  • 15.1.3. Recent Developments
  • 15.1.4. Key Personnel
  • 15.1.5. SWOT Analysis
• 15.2. ICE Mortgage Technology, Inc.
• 15.3. Fiserv, Inc.
• 15.4. Pegasystems Inc.
• 15.5. Newgen Software Technologies Limited
• 15.6. Social Finance, LLC
• 15.7. Blend Labs, Inc.
• 15.8. Nucleus Software Exports Ltd.
• 15.9. Sigma Infosolutions Ltd.
• 15.10. Upstart Network, Inc.

16. Strategic Recommendations

17. About Us & Disclaimer