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은행/금융서비스/보험(BFSI) 분야 AI 분석 및 예측(-2034년) : 유형, 제품, 서비스, 기술, 구성 요소, 용도, 배포, 최종 사용자, 기능
Artificial Intelligence (AI) in BFSI Market Analysis and Forecast to 2034: Type, Product, Services, Technology, Component, Application, Deployment, End User, Functionality
상품코드 : 1762080
리서치사 : Global Insight Services LLC
발행일 : 2025년 07월
페이지 정보 : 영문 349 Pages
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한글목차

은행/금융서비스/보험(BFSI) 분야 AI는 2024년 254억 달러에서 2034년까지는 3,014억 달러로 확대되며 CAGR은 약 28%를 나타낼 것으로 예측됩니다. 기업은 머신러닝, 자연 언어 처리 및 예측 분석을 통해 고객 경험을 향상시키고 업무를 간소화하고 불법 탐지를 강화합니다.

업계 개요

세계의 관세와 지정학적 긴장은 특히 동아시아의 은행/금융서비스/보험(BFSI) 분야 AI 상황에 큰 영향을 미치고 있습니다. 하지만 미국과 중국의 마찰 속에서 전략적으로 취약한 채로 남아 있습니다. 2035년까지 시장 발전은 지역 간 협력과 혁신에 달려 있습니다. 동시에 중동 분쟁은 세계 공급망의 취약성과 에너지 가격 변동을 악화시켜 운영 비용과 전략 계획에 영향을 미칩니다.

시장 세분화
유형 머신러닝, 자연 언어 처리, 컴퓨터 비전, 로봇식 프로세스 자동화, 예측 분석, 음성 인식, 챗봇
제품 AI 소프트웨어, AI 플랫폼, AI 서비스, AI 하드웨어
서비스 관리 서비스, 전문 서비스, 컨설팅, 통합 및 배포, 지원 및 유지 보수
기술 클라우드 컴퓨팅, 엣지 컴퓨팅, 블록체인, 양자 컴퓨팅, 5G 기술
구성 요소 솔루션, 서비스
용도 위험 관리, 사기 탐지, 규정 준수 보안, 고객 서비스, 투자 은행, 개인 금융, 보험, 자산 관리, 신용 점수
배포 온프레미스, 클라우드, 하이브리드
최종 사용자 은행, 보험 회사, 투자 회사, 신용 조합, 핀테크 기업
기능 자동화된 자문, 데이터 분석, 고객 인사이트, 프로세스 자동화

시장 개요 :

은행/금융서비스/보험(BFSI) 분야 AI 시장은 고객 서비스 강화와 업무 효율화의 필요성에 힘입어 견조한 확대를 이어가고 있습니다. 고객 서비스 부문, 특히 AI 기반 챗봇과 가상 비서는 연중무휴 24시간 지원과 개인화된 고객 상호 작용을 제공하여 운영 비용을 크게 절감할 수 있다는 점에서 시장을 선도하고 있습니다. AI 기술이 엄청난 데이터 세트를 분석하고 비정상을 파악하고 잠재적 위험을 예측하는 데 점점 더 익숙해짐에 따라 부정 탐지 및 위험 관리와 같은 새로운 하위 부문이 기세를 늘리고 있습니다. 의사 결정 프로세스를 강화함으로써 BFSI 부문에 혁명을 가져올 것으로 기대됩니다.

충돌 개요 :

은행/금융서비스/보험(BFSI) 분야 AI 시장은 다이나믹으로 진화하는 상황이 특징입니다. 클라우드 기반 AI 솔루션은 확장성과 적응성이 우수한 인프라를 제공할 수 있기 때문에 시장을 독점하고 있습니다. 온프레미스 및 하이브리드 유형은 특히 데이터 프라이버시 요구 사항이 까다로운 기관간에 계속해서 큰 견인력이되고 있습니다. 북미는 AI 도입의 선두주자로, 유럽과 아시아태평양은 투자와 기술 발전 증가로 견조한 성장 가능성을 보여줍니다. Microsoft, Google, IBM을 포함한 업계 기업들은 전략적 파트너십과 최첨단 AI 솔루션을 통해 더 큰 시장 점유율을 얻기 위해 지속적인 혁신을 추진하고 있습니다. 경쟁 환경은 주요 기업 간의 급속한 기술 발전과 전략적 제휴를 특징으로 합니다. 북미와 유럽의 규제 프레임워크는 특히 데이터 프라이버시와 윤리적 인공지능 도입에 대한 시장 역학을 형성하는데 매우 중요합니다. 은행/금융서비스/보험(BFSI) 분야 AI의 미래 전망은 낙관적이며 AI 통합 강화, 고급 분석 및 자동화를 통해 상당한 성장이 예상됩니다. 그럼에도 불구하고 사이버 보안 위협과 AI 구축 비용이 높다는 문제는 여전히 남아 있습니다. 그러나 머신러닝과 자연 언어 처리의 지속적인 개선으로 새로운 기회가 생겨 시장의 추가 확대가 기대됩니다.

주요 동향과 촉진요인 :

은행/금융서비스/보험(BFSI) 분야 AI 시장은 고객 경험의 향상, 업무 효율화, 규제 준수에 대한 수요에 힘입어 역동적인 성장을 이루고 있습니다. 금융기관은 머신러닝 알고리즘을 활용하여 이상을 파악하고 잠재적인 위협을 완화하여 부정 탐지 및 위험 관리에 AI를 채택하는 움직임을 가속화하고 있습니다. 또한 로보 어드바이저가 데이터 기반의 인사이트과 포트폴리오 관리를 제공합니다. 그 배경은 은행 업무에서 비용 절감의 필요성과 디지털 거래에 의해 생성되는 데이터량의 증대가 있습니다. 규제 준수를위한 AI 주도 분석에서 혁신을 일으키는 기업은 경쟁 우위를 차지할 수 있습니다.

억제요인과 도전 :

은행/금융서비스/보험(BFSI) 분야 AI에는 몇 가지 심각한 억제요인과 과제가 있습니다. 금융기관은 사이버 위협으로부터 기밀 정보를 보호해야 하기 때문에 보안 대책에 상당한 투자가 필요합니다. 또한 AI의 전문 지식에 대한 수요가 이용 가능한 인재 풀을 뛰어넘어, 효과적인 구현을 방해하고 있기 때문에 스킬 갭도 현저합니다. 지속적인 투자와 적응을 필요로 하기 때문에 자원을 압박하고 전략적 불확실성을 창출할 수 있습니다.

목차

제1장 은행/금융서비스/보험(BFSI) 분야 AI 개요

제2장 주요 요약

제3장 시장에 관한 중요 인사이트

제4장 은행/금융서비스/보험(BFSI) 분야 AI 전망

제5장 은행/금융서비스/보험(BFSI) 분야 AI 전략

제6장 은행/금융서비스/보험(BFSI) 분야 AI 규모

제7장 은행/금융서비스/보험(BFSI) 분야 AI : 유형별

제8장 은행/금융서비스/보험(BFSI) 분야 AI : 제품별

제9장 은행/금융서비스/보험(BFSI) 분야 AI : 서비스별

제10장 은행/금융서비스/보험(BFSI) 분야 AI : 기술별

제11장 은행/금융서비스/보험(BFSI) 분야 AI : 구성 요소별

제12장 은행/금융서비스/보험(BFSI) 분야 AI : 용도별

제13장 은행/금융서비스/보험(BFSI) 분야 AI : 배포별

제14장 은행/금융서비스/보험(BFSI) 분야 AI : 최종 사용자별

제15장 은행/금융서비스/보험(BFSI) 분야 AI : 기능별

제16장 은행/금융서비스/보험(BFSI) 분야 AI : 지역별

제17장 경쟁 구도

제18장 기업 프로파일

KTH
영문 목차

영문목차

Artificial Intelligence (AI) in BFSI Market is anticipated to expand from $25.4 billion in 2024 to $301.4 billion by 2034, growing at a CAGR of approximately 28%. Artificial Intelligence (AI) in BFSI Market encompasses AI technologies tailored for banking, financial services, and insurance sectors. These solutions enhance customer experience, streamline operations, and bolster fraud detection through machine learning, natural language processing, and predictive analytics. The market is driven by the need for efficiency, personalized services, and regulatory compliance, fostering innovations in robo-advisors, chatbots, and risk management systems.

Industry Overview:

Global tariffs and geopolitical tensions are significantly influencing the AI landscape within the BFSI sector, particularly in East Asia. Japan and South Korea's dependency on US-origin AI technologies is prompting strategic shifts towards bolstering domestic semiconductor capabilities to mitigate tariff-induced cost pressures. China's focus on self-reliance is intensifying, with a concerted drive to develop indigenous AI infrastructure amidst Western export constraints. Taiwan, a pivotal player in semiconductor manufacturing, remains strategically vulnerable amid US-China frictions. The overarching AI market, particularly in BFSI, is witnessing robust growth, albeit with challenges related to cost management and supply chain disruptions. By 2035, market evolution will hinge on regional collaboration and innovation. Concurrently, Middle East conflicts exacerbate global supply chain vulnerabilities and energy price volatility, affecting operational costs and strategic planning.

Market Segmentation
TypeMachine Learning, Natural Language Processing, Computer Vision, Robotic Process Automation, Predictive Analytics, Speech Recognition, Chatbots
ProductAI Software, AI Platforms, AI Services, AI Hardware
ServicesManaged Services, Professional Services, Consulting, Integration and Deployment, Support and Maintenance
TechnologyCloud Computing, Edge Computing, Blockchain, Quantum Computing, 5G Technology
ComponentSolutions, Services
ApplicationRisk Management, Fraud Detection, Compliance and Security, Customer Service, Investment Banking, Personal Finance, Insurance, Wealth Management, Credit Scoring
DeploymentOn-Premises, Cloud, Hybrid
End UserBanks, Insurance Companies, Investment Firms, Credit Unions, Fintech Companies
FunctionalityAutomated Advisory, Data Analysis, Customer Insights, Process Automation

Market Overview:

The AI market within the Banking, Financial Services, and Insurance (BFSI) sector is experiencing robust expansion, driven by the necessity for enhanced customer service and operational efficiency. The customer service segment, particularly AI-driven chatbots and virtual assistants, leads the market due to their ability to provide 24/7 support and personalized customer interactions, significantly reducing operational costs. This segment's dominance is bolstered by advancements in natural language processing and machine learning, which enhance the sophistication and accuracy of these AI tools. Emerging sub-segments, such as fraud detection and risk management, are gaining momentum as AI technologies become increasingly adept at analyzing vast datasets to identify anomalies and predict potential risks. These innovations promise to revolutionize the BFSI sector by mitigating financial losses and enhancing decision-making processes. The integration of AI in compliance and regulatory reporting also presents significant potential, streamlining operations and ensuring adherence to evolving regulations.

Geographical Overview:

The AI in BFSI market is witnessing varied growth across regions, each characterized by unique trends and opportunities. North America leads the charge, propelled by robust investments in AI technologies and a strong focus on innovation. Financial institutions in the region are increasingly adopting AI for enhanced customer experience and operational efficiency. Europe follows, with a strong emphasis on regulatory compliance and data privacy. The region's financial sector is leveraging AI to streamline processes and improve risk management. In Asia Pacific, rapid technological advancements and a burgeoning fintech landscape drive AI adoption. Financial services are integrating AI to cater to the region's tech-savvy population. Latin America is emerging as a promising market, with financial institutions investing in AI to improve financial inclusion and customer engagement. The region's focus on digital transformation is accelerating AI adoption in banking and insurance. The Middle East & Africa is gradually recognizing AI's potential in BFSI, with investments in AI-driven solutions to enhance financial services. The region's growing digital economy and focus on innovation are key drivers. Overall, the global AI in BFSI market presents lucrative opportunities, with each region contributing to its dynamic growth.

Competition Overview:

The Artificial Intelligence (AI) market within the Banking, Financial Services, and Insurance (BFSI) sector is characterized by a dynamic and evolving landscape. Cloud-based AI solutions dominate the market, driven by their ability to offer scalable and adaptable infrastructures. On-premise and hybrid models continue to hold significant traction, particularly among institutions with stringent data privacy requirements. North America remains a leader in AI adoption, with Europe and Asia-Pacific regions showing robust growth potential due to increasing investments and technological advancements. Key industry players, including Microsoft, Google, and IBM, are continually innovating to capture a larger market share through strategic partnerships and cutting-edge AI solutions. The competitive environment is marked by rapid technological advancements and strategic collaborations among leading companies. Regulatory frameworks in North America and Europe are pivotal in shaping market dynamics, particularly concerning data privacy and ethical AI deployment. The future outlook for AI in the BFSI sector is optimistic, with projections indicating substantial growth driven by enhanced AI integration, advanced analytics, and automation. Nevertheless, challenges such as cybersecurity threats and the high cost of AI implementation persist. However, continuous improvements in machine learning and natural language processing are expected to unlock new opportunities, fostering further market expansion.

Recent Developments:

In recent months, the Artificial Intelligence (AI) in the Banking, Financial Services, and Insurance (BFSI) market has witnessed notable developments. JPMorgan Chase announced a strategic partnership with AI firm, H2O.ai, to enhance its machine learning capabilities, aiming to deliver more personalized banking experiences. Meanwhile, HSBC launched an AI-driven fraud detection system, which leverages machine learning algorithms to identify suspicious activities more efficiently. In another significant move, Goldman Sachs invested in an AI startup, DataRobot, to bolster its predictive analytics capabilities, thereby improving decision-making processes within the bank. Additionally, a collaboration between American Express and IBM's Watson was unveiled, focusing on developing AI solutions to improve customer service interactions. Lastly, the European Central Bank issued new guidelines to ensure ethical AI use in financial services, emphasizing transparency and accountability. These events underscore the increasing integration of AI technologies within the BFSI sector, highlighting both innovation and regulatory considerations.

Key Companies:

Cognitive Scale, Ayasdi, Kensho Technologies, Data Robot, Zest AI, Numerai, Lenddo EFL, Aire, Underwrite Me, Quantexa, Darktrace, Feedzai, Onfido, Trifacta, Theta Ray, Shift Technology, Behavio Sec, Comply Advantage, Kasisto, H2 O.ai

Key Trends and Drivers:

The Artificial Intelligence (AI) in BFSI market is experiencing dynamic growth, driven by the demand for enhanced customer experience, operational efficiency, and regulatory compliance. Key trends include the integration of AI-driven chatbots and virtual assistants, which streamline customer interactions and provide personalized services. Financial institutions are increasingly adopting AI for fraud detection and risk management, leveraging machine learning algorithms to identify anomalies and mitigate potential threats. Moreover, AI is revolutionizing credit scoring and underwriting processes, enabling more accurate assessments and faster decision-making. The adoption of AI in investment management is also on the rise, with robo-advisors offering data-driven insights and portfolio management. Drivers include the need for cost reduction in banking operations and the growing volume of data generated by digital transactions. Opportunities are abundant in the development of AI-powered tools that enhance cybersecurity measures and protect sensitive financial data. Companies that innovate in AI-driven analytics for regulatory compliance stand to gain a competitive edge. As AI technology continues to evolve, it is poised to reshape the BFSI sector, offering transformative solutions that enhance efficiency, security, and customer satisfaction.

Restraints and Challenges:

The Artificial Intelligence (AI) in the BFSI market encounters several significant restraints and challenges. A primary concern is the stringent regulatory environment, which necessitates compliance with complex and evolving laws, potentially slowing innovation and adoption. Data privacy and security issues also pose substantial challenges, as financial institutions must safeguard sensitive information from cyber threats, necessitating significant investment in security measures. Furthermore, the high initial cost of AI integration can deter smaller institutions, limiting market penetration and scalability. There is also a notable skills gap, as the demand for AI expertise outpaces the available talent pool, hindering effective implementation. Lastly, the rapid pace of technological change requires continuous investment and adaptation, which can strain resources and create strategic uncertainty. These challenges collectively impact the growth trajectory and adoption rate of AI technologies within the BFSI sector.

Research Scope:

Our research scope provides comprehensive market data, insights, and analysis across a variety of critical areas. We cover Local Market Analysis, assessing consumer demographics, purchasing behaviors, and market size within specific regions to identify growth opportunities. Our Local Competition Review offers a detailed evaluation of competitors, including their strengths, weaknesses, and market positioning. We also conduct Local Regulatory Reviews to ensure businesses comply with relevant laws and regulations. Industry Analysis provides an in-depth look at market dynamics, key players, and trends. Additionally, we offer Cross-Segmental Analysis to identify synergies between different market segments, as well as Production-Consumption and Demand-Supply Analysis to optimize supply chain efficiency. Our Import-Export Analysis helps businesses navigate global trade environments by evaluating trade flows and policies. These insights empower clients to make informed strategic decisions, mitigate risks, and capitalize on market opportunities.

TABLE OF CONTENTS

1: Artificial Intelligence (AI) in BFSI Market Overview

2: Executive Summary

3: Premium Insights on the Market

4: Artificial Intelligence (AI) in BFSI Market Outlook

5: Artificial Intelligence (AI) in BFSI Market Strategy

6: Artificial Intelligence (AI) in BFSI Market Size

7: Artificial Intelligence (AI) in BFSI Market, by Type

8: Artificial Intelligence (AI) in BFSI Market, by Product

9: Artificial Intelligence (AI) in BFSI Market, by Services

10: Artificial Intelligence (AI) in BFSI Market, by Technology

11: Artificial Intelligence (AI) in BFSI Market, by Component

12: Artificial Intelligence (AI) in BFSI Market, by Application

13: Artificial Intelligence (AI) in BFSI Market, by Deployment

14: Artificial Intelligence (AI) in BFSI Market, by End User

15: Artificial Intelligence (AI) in BFSI Market, by Functionality

16: Artificial Intelligence (AI) in BFSI Market, by Region

17: Competitive Landscape

18: Company Profiles

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