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한글목차
AI 기반 로보자문 시장 규모는 향후 수년간 연평균 47.7%의 성장률을 기록하며 2029년 314억 1,000만 달러 규모로 성장할 것으로 예측됩니다. 예측 기간 중 예상되는 성장은 AI 및 딥러닝 알고리즘의 고도화, 하이브리드 자문 모델의 광범위한 채택, AI 기반 금융 툴의 확대, 개인화된 재무 설계에 대한 수요 증가, 부유층 증가로 인해 발생할 것으로 예측됩니다. 예측 기간 중 주요 동향으로는 하이브리드 자문 모델 채택, 생성형 AI와 고급 분석의 통합, 개인화된 금융 웰니스 플랫폼 개발, 자연 언어 처리(NLP) 통합, 빅데이터에 의한 하이퍼 개인화 등이 있습니다. 빅데이터를 통한 하이퍼 개인화 등이 있습니다.
스마트폰 보급률의 상승이 향후 수년간 AI 활용 로보자문 시장의 성장을 촉진할 것으로 예측됩니다. 스마트폰 보급률은 스마트폰을 소유하고 적극적으로 사용하는 인구의 비율을 의미하며, 일상 생활에서 모바일 기술이 광범위하게 채택되고 있음을 나타냅니다. 이러한 증가의 주요 요인은 제조의 발전, 경쟁 없는 가격 책정, 저렴한 모델의 등장으로 스마트폰이 더 많은 사람들에게 친숙해졌고, 더 많은 사용자가 모바일 연결과 디지털 서비스에 접근할 수 있게 되어 구매가 쉬워졌기 때문입니다. 스마트폰으로 인해 사용자는 언제 어디서나 AI 활용 로보자문 서비스를 이용할 수 있게 되었고, 개인화된 실시간 재무 자문과 포트폴리오 관리를 제공받을 수 있게 되었습니다. 예를 들어 싱가포르에 본사를 둔 디지털 인사이트 플랫폼 DataReportal은 2024년 2월 캐나다의 모바일 접속자 수가 2023년 초부터 2024년 초까지 180만 명 증가하여 전년 대비 4.7% 증가했다고 보고했습니다. 이에 따라 스마트폰의 보급이 AI 활용 로보자문 시장 확대에 박차를 가하고 있습니다.
AI 활용 로보자문 시장의 주요 업체들은 하이브리드 자문 모델과 같은 기술 혁신에 집중하고 있습니다. 하이브리드 자문 모델은 자동화된 알고리즘의 효율성과 확장성에 인간 재무설계사의 개인화된 인사이트와 신뢰성을 결합하여 고객 참여와 서비스 품질을 향상시킵니다. 하이브리드 자문 모델은 컴퓨터가 생성한 조언과 인간의 지원을 결합하여 보다 종합적이고 개인화된 금융 가이던스를 제공합니다. 예를 들어 2022년 2월 말레이시아 상장기업 Kenanga Investment Bank Berhad는 말레이시아 소비자의 투자와 저축을 간소화하기 위해 설계된 완전 자동화된 AI 기반 로보어드바이저 플랫폼인 Kenanga Digital Investing("KDI")을 출시했습니다. 이 플랫폼은 잠금 기간 없음, 관리 수수료 없음, 연말까지 제공되는 3.0%의 프로모션 고정 이자율과 함께 사용자에게 매일 저축 이익률을 제공합니다. 또한 KDI인베스트는 미국 상장지수펀드(ETF)를 통해 다양한 세계 투자 옵션에 대한 접근성을 제공하고, 업계에서 가장 경쟁력 있는 수수료 체계를 지원합니다.
목차
제1장 개요
제2장 시장의 특징
제3장 시장 동향과 전략
제4장 시장 : 금리, 인플레이션, 지정학, 무역 전쟁과 관세, 그리고 Covid와 회복이 시장에 미치는 영향을 포함한 거시경제 시나리오
제5장 세계의 성장 분석과 전략 분석 프레임워크
세계의 AI 활용 로보 어드바이저리 : PESTEL 분석(정치, 사회, 기술, 환경, 법적 요인, 촉진요인과 억제요인)
최종 용도 산업의 분석
세계의 AI 활용 로보 어드바이저리 시장 : 성장률 분석
세계의 AI 활용 로보 어드바이저리 시장의 실적 : 규모와 성장, 2019-2024
세계의 AI 활용 로보 어드바이저리 시장의 예측 : 규모와 성장, 2024-2029, 2034F
세계의 AI 활용 로보 어드바이저리 : 총잠재 시장 규모(TAM)
제6장 시장 세분화
세계의 AI 활용 로보 어드바이저리 시장 : 유형별, 실적과 예측, 2019-2024, 2024-2029F, 2034F
순수한 로봇 어드바이저
하이브리드 로봇 어드바이저
세계의 AI 활용 로보 어드바이저리 시장 : 서비스 유형별, 실적과 예측, 2019-2024, 2024-2029F, 2034F
직접적인 계획 기반 또는 목표 기반 어드바이스
종합적자산 어드바이스
세계의 AI 활용 로보 어드바이저리 시장 : 프로바이더별, 실적과 예측, 2019-2024, 2024-2029F, 2034F
핀테크 로봇 어드바이저
은행
전통적인 자산운용 회사
기타 프로바이더
세계의 AI 활용 로보 어드바이저리 시장 : 최종사용자별, 실적과 예측, 2019-2024, 2024-2029F, 2034F
개인투자가
부유층
세계의 AI 활용 로보 어드바이저리 시장, 순수한 로봇 어드바이저의 유형별 서브 세분화, 실적과 예측, 2019-2024, 2024-2029F, 2034F
직접적인 계획에 기반한 어드바이스
목표 기반 어드바이저리
종합적자산 어드바이스
세계의 AI 활용 로보 어드바이저리 시장, 하이브리드 로봇 어드바이저의 유형별 서브 세분화, 실적과 예측, 2019-2024, 2024-2029F, 2034F
AI를 활용한 재무 계획
인간과 AI 공동 어드바이저리
인간과의 대화에 의한 맞춤형 투자 솔루션
목표 지향형 하이브리드 어드바이저리
제7장 지역별·국가별 분석
세계의 AI 활용 로보 어드바이저리 시장 : 지역별, 실적과 예측, 2019-2024, 2024-2029F, 2034F
세계의 AI 활용 로보 어드바이저리 시장 : 국가별, 실적과 예측, 2019-2024, 2024-2029F, 2034F
제8장 아시아태평양 시장
제9장 중국 시장
제10장 인도 시장
제11장 일본 시장
제12장 호주 시장
제13장 인도네시아 시장
제14장 한국 시장
제15장 서유럽 시장
제16장 영국 시장
제17장 독일 시장
제18장 프랑스 시장
제19장 이탈리아 시장
제20장 스페인 시장
제21장 동유럽 시장
제22장 러시아 시장
제23장 북미 시장
제24장 미국 시장
제25장 캐나다 시장
제26장 남미 시장
제27장 브라질 시장
제28장 중동 시장
제29장 아프리카 시장
제30장 경쟁 구도와 기업 개요
AI 활용 로보 어드바이저리 시장 : 경쟁 구도
AI 활용 로보 어드바이저리 시장 : 기업 개요
Fidelity Investments(FMR LLC) Overview, Products and Services, Strategy and Financial Analysis
The Charles Schwab Corporation Overview, Products and Services, Strategy and Financial Analysis
Ally Financial Inc. Overview, Products and Services, Strategy and Financial Analysis
The Vanguard Group Inc. Overview, Products and Services, Strategy and Financial Analysis
Social Finance Inc. Overview, Products and Services, Strategy and Financial Analysis
제31장 기타 대기업과 혁신적 기업
Betterment LLC
Wealthsimple Inc.
M1 Holdings Inc.
Seasia Infotech Pvt. Ltd.
Wealthfront Corporation
Nutmeg Saving and Investment Limited
Stash Financial Inc.
SigFig Wealth Management LLC
Fincite GmbH
Acorns Grow Incorporated
Bambu Global Pte. Ltd.
Personal Capital Corporation
Robo-Wealth Co. Ltd.
Empirica Soft sp. z o.o.
Ginmon Vermogensverwaltung GmbH
제32장 세계의 시장 경쟁 벤치마킹과 대시보드
제33장 주요 합병과 인수
제34장 최근 시장 동향
제35장 시장의 잠재력이 높은 국가, 부문, 전략
AI 활용 로보 어드바이저리 시장 2029년 : 새로운 기회를 제공하는 국가
AI 활용 로보 어드바이저리 시장 2029년 : 새로운 기회를 제공하는 부문
AI 활용 로보 어드바이저리 시장 2029년 : 성장 전략
시장 동향에 기반한 전략
경쟁사 전략
제36장 부록
KSA
영문 목차
영문목차
AI-driven Robo-Advisory is a digital service that assists individuals in managing their money and investments through intelligent computer programs. It offers advice and makes decisions aligned with a person's financial goals. The service operates automatically, requiring minimal or no human involvement. It is commonly used to save time and lower costs in financial planning.
The primary types of AI-driven robo-advisory include pure robo-advisors and hybrid robo-advisors. Pure robo-advisors are fully automated digital platforms that deliver investment management and financial advice through algorithms without human intervention. They provide services such as direct plan-based or goal-based advisory and comprehensive wealth management. These services are offered by various providers, including fintech robo-advisors, banks, traditional wealth managers, and other entities. The main end users are retail investors and high-net-worth individuals.
The AI-driven robo-advisory market research report is one of a series of new reports from The Business Research Company that provides AI-driven robo-advisory market statistics, including the AI-driven robo-advisory industry global market size, regional shares, competitors with the AI-driven robo-advisory market share, detailed AI-driven robo-advisory market segments, market trends, and opportunities, and any further data you may need to thrive in the AI-driven robo-advisory industry. This AI-driven robo-advisory market research report delivers a complete perspective of everything you need, with an in-depth analysis of the current and future scenarios of the industry.
The AI-driven robo-advisory market size has grown exponentially in recent years. It will grow from $4.46 billion in 2024 to $6.60 billion in 2025 at a compound annual growth rate (CAGR) of 48.0%. The growth during the historic period can be attributed to rising demand for low-cost investment advisory services, increased internet penetration, growth of digitally native millennial investors, expansion of financial literacy programs, and early adoption of automation and rule-based portfolios.
The AI-driven robo-advisory market size is expected to see exponential growth in the next few years. It will grow to $31.41 billion in 2029 at a compound annual growth rate (CAGR) of 47.7%. The growth expected in the forecast period is driven by the increasing sophistication of AI and deep learning algorithms, wider adoption of hybrid advisory models, expansion of AI-driven financial tools, growing demand for personalized financial planning, and an increase in high-net-worth individuals. Key trends in the forecast period include adoption of hybrid advisory models, integration of generative AI and advanced analytics, development of personalized financial wellness platforms, incorporation of natural language processing (NLP), and hyper-personalization through big data.
The rising penetration of smartphones is expected to drive the growth of the AI-driven robo-advisory market in the coming years. Smartphone penetration refers to the proportion of the population that owns and actively uses smartphones, indicating widespread adoption of mobile technology in everyday life. This increase is mainly fueled by improved affordability, as manufacturing advances, competitive pricing, and the availability of budget-friendly models have made smartphones accessible to a larger population, allowing more users to access mobile connectivity and digital services. Smartphones enable users to utilize AI-driven robo-advisory services anytime and anywhere, providing personalized, real-time financial advice and portfolio management. For example, in February 2024, DataReportal, a Singapore-based digital insights platform, reported that Canada's mobile connections grew by 1.8 million between early 2023 and early 2024, representing a 4.7% year-over-year increase. Therefore, the growing smartphone penetration is fueling the expansion of the AI-driven robo-advisory market.
Leading companies in the AI-driven robo-advisory market are focusing on technological innovations such as hybrid advisory models, which combine the efficiency and scalability of automated algorithms with the personalized insights and trust of human financial advisors, thereby improving client engagement and service quality. Hybrid advisory models blend computer-generated advice with human support to provide more comprehensive and personalized financial guidance. For instance, in February 2022, Kenanga Investment Bank Berhad, a Malaysia-based public limited company, launched Kenanga Digital Investing ("KDI"), a fully automated AI-powered robo-advisory platform designed to simplify investment and savings for Malaysian consumers. This platform offers users daily returns on their savings, with no lock-in period and zero management fees, along with a promotional fixed interest rate of 3.0% available through the end of the year. Additionally, KDI Invest gives clients access to diversified global investment options via US-listed Exchange Traded Funds (ETFs), supported by some of the most competitive fee structures in the industry.
In August 2022, Goldman Sachs, a US-based investment banking firm, acquired NextCapital Group for an undisclosed amount. This acquisition was intended to strengthen Goldman Sachs' digital wealth management capabilities and broaden its technology-driven investment advisory services. NextCapital Group is a US-based company specializing in AI-driven robo-advisory solutions.
Major players in the ai-driven robo-advisory market are Fidelity Investments (FMR LLC), The Charles Schwab Corporation, Ally Financial Inc., The Vanguard Group Inc., Social Finance Inc., Betterment LLC, Wealthsimple Inc., M1 Holdings Inc., Seasia Infotech Pvt. Ltd., Wealthfront Corporation, Nutmeg Saving and Investment Limited, Stash Financial Inc., SigFig Wealth Management LLC, Fincite GmbH, Acorns Grow Incorporated, Bambu Global Pte. Ltd., Personal Capital Corporation, Robo-Wealth Co. Ltd., Empirica Soft sp. z o.o., Ginmon Vermogensverwaltung GmbH.
North America was the largest region in the AI-driven robo-advisory market in 2024. Asia-Pacific is expected to be the fastest-growing region in the forecast period. The regions covered in AI-driven robo-advisory report are Asia-Pacific, Western Europe, Eastern Europe, North America, South America, Middle East and Africa.
The countries covered in the AI-driven robo-advisory market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Russia, South Korea, UK, USA, Canada, Italy, Spain.
The AI-driven robo-advisory market consists of revenues earned by entities by providing services such as portfolio management, financial planning, tax-loss harvesting, cash flow analysis, and budgeting. The market value includes the value of related goods sold by the service provider or included within the service offering. The AI-driven robo-advisory market also includes sales of digital wealth management APIs, financial planning software tools, analytics tools, client dashboards, and visualization interfaces. Values in this market are 'factory gate' values, that is, the value of goods sold by the manufacturers or creators of the goods, whether to other entities (including downstream manufacturers, wholesalers, distributors, and retailers) or directly to end customers. The value of goods in this market includes related services sold by the creators of the goods.
The market value is defined as the revenues that enterprises gain from the sale of goods and/or services within the specified market and geography through sales, grants, or donations in terms of the currency (in USD, unless otherwise specified).
The revenues for a specified geography are consumption values and are revenues generated by organizations in the specified geography within the market, irrespective of where they are produced. It does not include revenues from resales along the supply chain, either further along the supply chain or as part of other products.
AI-driven Robo-Advisory Global Market Report 2025 from The Business Research Company provides strategists, marketers and senior management with the critical information they need to assess the market.
This report focuses on ai-driven robo-advisory market which is experiencing strong growth. The report gives a guide to the trends which will be shaping the market over the next ten years and beyond.
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Where is the largest and fastest growing market for ai-driven robo-advisory ? How does the market relate to the overall economy, demography and other similar markets? What forces will shape the market going forward? The ai-driven robo-advisory market global report from the Business Research Company answers all these questions and many more.
The report covers market characteristics, size and growth, segmentation, regional and country breakdowns, competitive landscape, market shares, trends and strategies for this market. It traces the market's historic and forecast market growth by geography.
The market characteristics section of the report defines and explains the market.
The market size section gives the market size ($b) covering both the historic growth of the market, and forecasting its development.
The forecasts are made after considering the major factors currently impacting the market. These include:
The forecasts are made after considering the major factors currently impacting the market. These include the Russia-Ukraine war, rising inflation, higher interest rates, and the legacy of the COVID-19 pandemic.
Market segmentations break down the market into sub markets.
The regional and country breakdowns section gives an analysis of the market in each geography and the size of the market by geography and compares their historic and forecast growth. It covers the growth trajectory of COVID-19 for all regions, key developed countries and major emerging markets.
The competitive landscape chapter gives a description of the competitive nature of the market, market shares, and a description of the leading companies. Key financial deals which have shaped the market in recent years are identified.
The trends and strategies section analyses the shape of the market as it emerges from the crisis and suggests how companies can grow as the market recovers.
Scope
Markets Covered:1) By Type: Pure Robo Advisors; Hybrid Robo Advisors
2) By Service Type: Direct Plan-based Or Goal-based Advisory; Comprehensive Wealth Advisory
3) By Provider: Fintech Robo Advisors; Banks; Traditional Wealth Managers; Other Providers
4) By End User: Retail Investors; High Net Worth Individuals
Subsegment:
1) By Pure Robo Advisors: Direct Plan-Based Advisory; Goal-Based Advisory; Comprehensive Wealth Advisory
2) By Hybrid Robo Advisors: AI-Enhanced Financial Planning; Human-AI Collaborative Advisory; Personalized Investment Solutions with Human Interaction; Goal-Oriented Hybrid Advisory
Companies Mentioned: Fidelity Investments (FMR LLC); The Charles Schwab Corporation; Ally Financial Inc.; The Vanguard Group Inc.; Social Finance Inc.
Regions: Asia-Pacific; Western Europe; Eastern Europe; North America; South America; Middle East; Africa
Time series: Five years historic and ten years forecast.
Data: Ratios of market size and growth to related markets, GDP proportions, expenditure per capita,
Data segmentations: country and regional historic and forecast data, market share of competitors, market segments.
Sourcing and Referencing: Data and analysis throughout the report is sourced using end notes.
Delivery format: PDF, Word and Excel Data Dashboard.
Table of Contents
1. Executive Summary
2. AI-driven Robo-Advisory Market Characteristics
3. AI-driven Robo-Advisory Market Trends And Strategies
4. AI-driven Robo-Advisory Market - Macro Economic Scenario Including The Impact Of Interest Rates, Inflation, Geopolitics, Trade Wars and Tariffs, And Covid And Recovery On The Market
5. Global AI-driven Robo-Advisory Growth Analysis And Strategic Analysis Framework
5.1. Global AI-driven Robo-Advisory PESTEL Analysis (Political, Social, Technological, Environmental and Legal Factors, Drivers and Restraints)
5.2. Analysis Of End Use Industries
5.3. Global AI-driven Robo-Advisory Market Growth Rate Analysis
5.4. Global AI-driven Robo-Advisory Historic Market Size and Growth, 2019 - 2024, Value ($ Billion)
5.5. Global AI-driven Robo-Advisory Forecast Market Size and Growth, 2024 - 2029, 2034F, Value ($ Billion)
5.6. Global AI-driven Robo-Advisory Total Addressable Market (TAM)
6. AI-driven Robo-Advisory Market Segmentation
6.1. Global AI-driven Robo-Advisory Market, Segmentation By Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
Pure Robo Advisors
Hybrid Robo Advisors
6.2. Global AI-driven Robo-Advisory Market, Segmentation By Service Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
Direct Plan-based Or Goal-based Advisory
Comprehensive Wealth Advisory
6.3. Global AI-driven Robo-Advisory Market, Segmentation By Provider, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
Fintech Robo Advisors
Banks
Traditional Wealth Managers
Other Providers
6.4. Global AI-driven Robo-Advisory Market, Segmentation By End User, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
Retail Investors
High Net Worth Individuals
6.5. Global AI-driven Robo-Advisory Market, Sub-Segmentation Of Pure Robo Advisors, By Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
Direct Plan-Based Advisory
Goal-Based Advisory
Comprehensive Wealth Advisory
6.6. Global AI-driven Robo-Advisory Market, Sub-Segmentation Of Hybrid Robo Advisors, By Type, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
AI-Enhanced Financial Planning
Human-AI Collaborative Advisory
Personalized Investment Solutions With Human Interaction
Goal-Oriented Hybrid Advisory
7. AI-driven Robo-Advisory Market Regional And Country Analysis
7.1. Global AI-driven Robo-Advisory Market, Split By Region, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
7.2. Global AI-driven Robo-Advisory Market, Split By Country, Historic and Forecast, 2019-2024, 2024-2029F, 2034F, $ Billion
