세계의 자동차 핀테크 시장 보고서(2025년)
Automotive Fintech Global Market Report 2025
상품코드 : 1808147
리서치사 : The Business Research Company
발행일 : On Demand Report
페이지 정보 : 영문 250 Pages
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한글목차

각 업계에서 빠르게 진행되는 디지털 변환은 자동차 핀테크 시장의 성장을 가속하는 촉매 역할을 하고 있습니다. 이 변화에는 디지털 기술과 데이터를 다양한 조직에 종합적으로 통합하고 배포하는 것이 포함됩니다. 자동차 업계에서는 이러한 패러다임 전환으로 자동차 핀테크가 재무 절차의 현대화와 합리화에 활용되고 있습니다. 그 목적은 고객 경험을 향상시키고, 대출 및 결제 시스템을 최적화하며 자동차 거래에 관한 혁신적인 금융 서비스를 육성하는 것입니다. 2022년 10월 인터내셔널 데이터 코퍼레이션(IDC)이 발표한 인사이트에 따르면 디지털 전환에 대한 세계 지출은 2026년에는 3조 4,000억 달러에 달할 것으로 예측되고 있으며, 5년간의 연평균 성장률(CAGR)은 16.3%로 예상됩니다. 그러므로 이러한 디지털 변환의 확대는 자동차 핀테크 시장의 확대를 뒷받침하는 중요한 요인이 되고 있습니다.

자동차 핀테크 시장은 탄소 배출 제로 기술의 도입을 목표로 금융 플랫폼의 도입이라는 현저한 동향을 목격하고 있습니다. 업계 선두 기업은 전기자동차(EV)의 판매 자금 조달에 특화된 혁신적인 플랫폼을 전략적으로 시작하여 친환경 자동차의 보급을 촉진하고 있습니다. 예를 들어, 미국에 본사를 둔 기후 변화 대출 회사 테넷은 2022년 6월 탄소 배출 제로 기술의 채택을 촉진하기 위해 설계된 EV 대출 플랫폼을 발표했습니다. 이 참신한 EV 대출 모델은 소비자에게 지속 가능한 대체 수단의 도입을 촉진하고 경제적 목표와 환경 목표를 일치시킵니다.

자동차 핀테크 시장의 주요 기업은 자동차 소유자에게 효율적인 차량 모니터링을 제공하기 위한 차량 관리 솔루션과 같은 선구적인 플랫폼 개발에 주력하고 있습니다. 이러한 플랫폼은 다양한 소비자 요구에 대응하고 유지 보수와 유지 보수 및 보험 청구에 대한 우려를 해결합니다. 이 이니셔티브의 대표적인 예로 2023년 9월 인도에 본사를 둔 핀테크 기업인 Dreamplug Technologies Private Limited가 CRED Garage를 시작했습니다. 이 플랫폼은 차량 비용 지출 추적, 문서 관리, 24시간 견인 지원, 보험 청구 지원, DigiLocker와의 원활한 통합 등 다양한 서비스를 포함합니다. 또한 자동차 보험 갱신, FASTag 충전, 범칙금 온라인 결제 등의 작업을 용이하게 하여 회원들이 쉽고 편리하게 차량을 관리할 수 있도록 합니다.

목차

제1장 주요 요약

제2장 시장 특징

제3장 시장 동향과 전략

제4장 시장 : 금리, 인플레이션, 지정학, 무역 전쟁과 관세, 그리고 코로나 및 회복이 시장에 미치는 영향을 포함한 거시 경제 시나리오

제5장 세계의 성장 분석과 전략 분석 프레임워크

제6장 시장 세분화

제7장 지역별/국가별 분석

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 프로파일

제31장 기타 주요 기업 및 혁신 기업

제32장 세계 시장 경쟁 벤치마킹과 대시보드

제33장 주요 인수 합병(M&A)

제34장 최근 시장 동향

제35장 시장의 잠재력이 높은 국가, 부문, 전략

제36장 부록

CSM
영문 목차

영문목차

Automotive fintech refers to the integration of digital finance and technology into the automotive industry to enhance the efficiency and utility of lending finance to automotive customers.

The primary propulsion types in the automotive fintech sector include internal combustion engines (ICE) and electric vehicles. Subscription channels involve payments or promises of payment for subsequent issues of magazines, newspapers, books, or other publications over a predetermined timeframe. Automotive fintech leverages subscription services, providing customers with upfront fee information. Vehicle types encompass passenger cars and commercial vehicles, while channels include on-demand and subscription models. This technology is employed by various end-users, including digital loans and purchases, online leasing, online insurance, and in-vehicle payments.

Note that the outlook for this market is being affected by rapid changes in trade relations and tariffs globally. The report will be updated prior to delivery to reflect the latest status, including revised forecasts and quantified impact analysis. The report's Recommendations and Conclusions sections will be updated to give strategies for entities dealing with the fast-moving international environment.

The sharp rise in U.S. tariffs and the ensuing trade tensions in spring 2025 are having a considerable impact on the financial sector, particularly in the areas of investment strategies and risk management. The increased tariffs have intensified market volatility, leading institutional investors to adopt more cautious approaches and driving greater demand for hedging solutions. Banks and asset managers are encountering higher costs in cross-border transactions as disrupted global supply chains and declining corporate earnings weigh on equity market performance. At the same time, insurance providers are facing elevated claims risks linked to supply chain interruptions and trade-related business losses. Furthermore, reduced consumer spending and weaker export demand are limiting credit growth and dampening investment appetite. In response to these challenges, the sector must focus on diversification, accelerate digital transformation, and strengthen scenario planning to manage the heightened economic uncertainty and safeguard profitability.

The automotive fintech research report is one of a series of new reports from The Business Research Company that provides automotive fintech market statistics, including automotive fintech industry global market size, regional shares, competitors with an automotive fintech market share, detailed automotive fintech market segments, market trends, and opportunities, and any further data you may need to thrive in the automotive fintech industry. This automotive fintech research report delivers a complete perspective of everything you need, with an in-depth analysis of the current and future scenario of the industry.

The automotive fintech market size has grown strongly in recent years. It will grow from $59.04 billion in 2024 to $64.33 billion in 2025 at a compound annual growth rate (CAGR) of 9.0%. The growth in the historic period can be attributed to digital transformation, emergence of online marketplaces, increased automotive adoption, regulatory changes, fintech startups disruption.

The automotive fintech market size is expected to see rapid growth in the next few years. It will grow to $96.79 billion in 2029 at a compound annual growth rate (CAGR) of 10.8%. The growth in the forecast period can be attributed to rise of usage-based financing, API and open banking integration, focus on cybersecurity measures, pandemic-induced changes, green financing incentives. Major trends in the forecast period include focus on financial literacy, blockchain adoption, personalized financial services, subscription-based vehicle financing, automated and contactless transactions, data-driven decision making.

The forecast of 10.8% growth over the next five years reflects a slight reduction of 0.1% from the previous projection. This reduction is primarily due to the impact of tariffs between the US and other countries. This is likely to directly affect the US through slower innovation in digital lending, as tariffs on blockchain-based vehicle verification tools and smart contract platforms, sourced from Switzerland and Estonia, raise development costs for fintech startups. The effect will also be felt more widely due to reciprocal tariffs and the negative effect on the global economy and trade due to increased trade tensions and restrictions.

The growth of the automotive industry is expected to drive the expansion of the automotive fintech market in the coming years. The automotive industry encompasses the manufacturing, development, and sales of vehicles. Automotive fintech refers to digital solutions that streamline and simplify the financing and insurance processes for vehicles, allowing automotive companies to improve customer satisfaction, utilize data analytics, and achieve cost savings. For example, in May 2023, the European Automobile Manufacturers Association, a Belgium-based trade association, reported that global motor vehicle production reached 85.4 million units in 2022, marking a 5.7% increase from the previous year. Therefore, the growth of the automotive industry is raising the demand for automotive fintech solutions.

The burgeoning digital transformation across industries is poised to act as a catalyst propelling the automotive fintech market's growth. This transformation involves the comprehensive integration and deployment of digital technologies and data across various organizational facets. Within the automotive sector, this paradigm shift leverages automotive fintech to modernize and streamline financial procedures. The goal is to elevate customer experiences, optimize lending and payment systems, and foster innovative financial services pertaining to vehicle transactions. As per insights from the International Data Corporation (IDC) in October 2022, the global expenditure on digital transformation is projected to hit $3.4 trillion in 2026, indicating a five-year compound annual growth rate (CAGR) of 16.3%. Hence, this expanding digital transformation serves as a significant driver fueling the automotive fintech market's expansion.

The automotive fintech market is witnessing a prominent trend with the introduction of finance platforms aimed at embracing zero-emission technology. Major industry players are strategically launching innovative platforms focused on financing electric vehicle (EV) sales to encourage greater adoption of these eco-friendly vehicles. For example, in June 2022, Tenet, a US-based climate financing company, debuted an EV financing platform designed to expedite the adoption of zero-emission technology. This novel model for EV financing encourages consumers to embrace sustainable alternatives, aligning their financial objectives with environmental goals.

Significant players within the automotive fintech market are emphasizing the development of pioneering platforms, such as vehicle management solutions, aimed at empowering car owners with efficient vehicle oversight. These platforms cater to various consumer needs, addressing concerns related to maintenance, servicing, and insurance claims. A prime illustration of this initiative is witnessed in Dreamplug Technologies Private Limited's launch of the CRED Garage in September 2023, an India-based fintech company. The platform encompasses an array of services, including vehicle spending tracking, document management, round-the-clock roadside assistance, insurance claim support, and seamless integration with DigiLocker. Additionally, it facilitates tasks such as car insurance renewal, FASTag recharging, and online payment of traffic challans, enabling members to manage their vehicles with ease and convenience.

In September 2024, Tabby, a fintech company based in Saudi Arabia, acquired Tweeq for an undisclosed amount. This acquisition allows Tabby to broaden its product offerings and improve customer experiences by integrating digital wallets and money management tools. This strategic decision reinforces Tabby's leadership in the market and advances financial inclusion in Saudi Arabia. Tweeq is a Saudi Arabia-based fintech startup that offers automotive fintech services.

Major companies operating in the automotive fintech market include Liberty Mutual Group, Fiserv Inc., Stripe Inc., Global Payments Inc., Coinbase Global Inc., Grab Financial Group, Bajaj Auto Finance, Creditas Solucoes Financeiras Ltd., Root Insurance Company, Oodle Car Finance, Cambridge Mobile Telematics, AutoFi Inc., Blinker Inc., Cuvva, By Miles Ltd., Clearcover Insurance Co, Bumper.com, CarConnect Group, Fair Financial Corp, Tractable Ltd., Lendbuzz Inc., Eze Wheelz, AlgoDriven, Naked Insurance, Just Insure Inc.

North America was the largest region in the automotive fintech market in 2024. The regions covered in the automotive fintech market report are Asia-Pacific, Western Europe, Eastern Europe, North America, South America, Middle East, Africa.

The countries covered in the automotive fintech market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Russia, South Korea, UK, USA, Canada, Italy, Spain.

The automotive fintech market consists of revenues earned by entities by providing digital payment services, auto finance, and vehicle leasing services. The market value includes the value of related goods sold by the service provider or included within the service offering. Only goods and services traded between entities or sold to end consumers are included.

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 that 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.

Automotive Fintech 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 automotive fintech 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.

Reasons to Purchase

Where is the largest and fastest growing market for automotive fintech ? How does the market relate to the overall economy, demography and other similar markets? What forces will shape the market going forward, including technological disruption, regulatory shifts, and changing consumer preferences? The automotive fintech 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 forecasts are made after considering the major factors currently impacting the market. These include the technological advancements such as AI and automation, Russia-Ukraine war, trade tariffs (government-imposed import/export duties), elevated inflation and interest rates.

Scope

Table of Contents

1. Executive Summary

2. Automotive Fintech Market Characteristics

3. Automotive Fintech Market Trends And Strategies

4. Automotive Fintech 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 Automotive Fintech Growth Analysis And Strategic Analysis Framework

6. Automotive Fintech Market Segmentation

7. Automotive Fintech Market Regional And Country Analysis

8. Asia-Pacific Automotive Fintech Market

9. China Automotive Fintech Market

10. India Automotive Fintech Market

11. Japan Automotive Fintech Market

12. Australia Automotive Fintech Market

13. Indonesia Automotive Fintech Market

14. South Korea Automotive Fintech Market

15. Western Europe Automotive Fintech Market

16. UK Automotive Fintech Market

17. Germany Automotive Fintech Market

18. France Automotive Fintech Market

19. Italy Automotive Fintech Market

20. Spain Automotive Fintech Market

21. Eastern Europe Automotive Fintech Market

22. Russia Automotive Fintech Market

23. North America Automotive Fintech Market

24. USA Automotive Fintech Market

25. Canada Automotive Fintech Market

26. South America Automotive Fintech Market

27. Brazil Automotive Fintech Market

28. Middle East Automotive Fintech Market

29. Africa Automotive Fintech Market

30. Automotive Fintech Market Competitive Landscape And Company Profiles

31. Automotive Fintech Market Other Major And Innovative Companies

32. Global Automotive Fintech Market Competitive Benchmarking And Dashboard

33. Key Mergers And Acquisitions In The Automotive Fintech Market

34. Recent Developments In The Automotive Fintech Market

35. Automotive Fintech Market High Potential Countries, Segments and Strategies

36. Appendix

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