세계의 디지털 대출 플랫폼 시장 보고서(2025년)
Digital Lending Platform Global Market Report 2025
상품코드 : 1808196
리서치사 : The Business Research Company
발행일 : On Demand Report
페이지 정보 : 영문 250 Pages
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한글목차

디지털 대출 플랫폼 시장은 향후 수년간 비약적인 성장이 예상됩니다. 2029년까지 연평균 복합 성장률(CAGR) 23.7%로 450억 6,000만 달러로 성장할 전망입니다. 예측 기간의 성장은 오픈뱅킹에 대한 노력, 탈중앙화 금융의 상승, 고객 경험의 중시, 규제 당국의 지속적인 지원, 세계 경제의 회복으로 인한 것으로 예상됩니다. 예측 기간의 주요 동향으로는 크로스보더 대출, 금융 서비스 디지털화, 모바일 우선 접근, 보안을 위한 블록체인 기술, 고객 중심 접근법, 핀테크 신흥 기업과의 제휴 등이 있습니다.

향후 5년간 예측되는 성장률 23.7%는 과거 예측에서 0.2% 감소하였습니다. 이러한 성장 감소는 주로 미국과 다른 국가 간의 관세의 영향 때문입니다. 주로 중국과 아일랜드에서 조달하는 대체 신용 평가 모델과 대출 융자 소프트웨어가 관세 비용 상승으로 인한 통합 과제에 직면하기 때문에 신용 공여의 엄격화를 통해 미국에 직접 영향을 미칠 가능성이 높습니다. 또한 상호 관세와 무역의 긴장과 한계 증가로 인한 세계 경제와 무역에 대한 악영향으로 인해 그 영향이 더욱 광범위해질 것으로 보입니다.

예상되는 디지털 대출 플랫폼 시장의 성장은 스마트폰의 보급률과 밀접하게 관련되어 있습니다. 터치스크린 인터페이스, 다운로드한 앱을 지원하는 운영체제, 인터넷 연결을 특징으로 하는 스마트폰은 이러한 추세에서 매우 중요한 역할을 합니다. 스마트폰 이용이 급증함에 따라 사용자와 차용자는 디지털 대출 플랫폼을 통해 당일 대출을 신청할 수 있게 되었습니다. 싱가포르를 거점으로 하는 온라인 레퍼런스 라이브러리 DataReportal에 따르면 스마트폰의 보급 대수는 연평균 5.1%의 성장을 이루고 있으며, 2022년에는 하루 평균 100만대의 스마트폰 사용자가 발생했습니다. 그 결과, 스마트폰의 보급이 디지털 대출 플랫폼 시장의 성장을 가속하는 중요한 요인이 되고 있습니다.

목차

제1장 주요 요약

제2장 시장 특징

제3장 시장 동향과 전략

제4장 시장 - 거시 경제 시나리오 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

A technology-driven lending platform is a digital platform that enhances the operational efficiency of financial institutions by offering loans through web platforms or mobile apps, generating revenue for each loan application. These platforms aim to streamline loan processes, facilitate quick decision-making, enhance regulatory compliance for improved business efficiency, and simplify financial services. The digital lending platform enables both borrowers and lenders to engage in digital lending practices.

The primary segments within the digital lending platform market include loan origination, decision automation, collections and recovery, risk and compliance management, and other miscellaneous categories. In the loan origination market, entities (such as organizations, sole traders, and partnerships) engage in selling digital lending platforms. These platforms are designed to facilitate easy loan application services for borrowers, automate processes, and provide financial analysis to banks, thereby reducing processing time. Loan origination encompasses the step-by-step process of applying for a loan, with components including solutions and services, and deployment models ranging from on-premises to cloud. The market caters to various industry verticals, including banks, insurance companies, credit unions, savings and loan associations, peer-to-peer lending, and others.

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 digital lending platform market research report is one of a series of new reports from The Business Research Company that provides digital lending platform market statistics, including digital lending platform industry global market size, regional shares, competitors with a digital lending platform market share, detailed digital lending platform market segments, market trends and opportunities, and any further data you may need to thrive in the digital lending platform industry. This digital lending platform market 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 digital lending platform market size has grown exponentially in recent years. It will grow from $15.85 billion in 2024 to $19.27 billion in 2025 at a compound annual growth rate (CAGR) of 21.6%. The growth in the historic period can be attributed to rise of fintech companies, mobile and internet penetration, data analytics and credit scoring, need for speed and convenience, economic inclusion initiatives, peer-to-peer lending growth.

The digital lending platform market size is expected to see exponential growth in the next few years. It will grow to $45.06 billion in 2029 at a compound annual growth rate (CAGR) of 23.7%. The growth in the forecast period can be attributed to open banking initiatives, rise of decentralized finance, focus on customer experience, continued regulatory support, global economic recovery. Major trends in the forecast period include cross-border lending, digitization in financial services, mobile-first approaches, blockchain technology for security, customer-centric approaches, partnerships with fintech startups.

The forecast of 23.7% growth over the next five years reflects a slight reduction of 0.2% 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 tighter credit availability, as alternative credit scoring models and loan origination software, primarily sourced from China and Ireland, experience integration challenges due to tariff-induced cost increases. 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 anticipated growth of the digital lending platform market is closely tied to the increasing prevalence of smartphones. Smartphones, characterized by a touchscreen interface, an operating system supporting downloaded apps, and internet connectivity, are playing a pivotal role in this trend. The upsurge in smartphone usage is empowering users and borrowers to seek instant loans through digital lending platforms. Notably, according to DataReportal, a Singapore-based online reference library, the number of smartphones in use is experiencing a 5.1 percent annual growth rate, with an average of 1 million smartphones being added to the user base each day in 2022. Consequently, the widespread adoption of smartphones is a key driver propelling the growth of the digital lending platform market.

The increasing significance of open banking globally is projected to drive the growth of the digital lending platform market in the future. Open banking is a system that enables financial institutions to securely share financial data between banks and third-party service providers, such as fintech applications. This approach allows lenders to effectively gather information about borrowers, including their credit scores, past loan histories, and current outstanding debts. Consequently, lenders can make quicker decisions and offer personalized lending options tailored to their clients' needs. To improve their lending processes, many financial service companies are partnering with open banking providers. For example, in October 2023, the UK-based Competition and Markets Authority (CMA) reported that the volume of payments in the first half of 2023 doubled compared to the same period in 2022. Notably, June 2023 set a record with 9.7 million payments processed, representing an 88% increase from June 2022. Therefore, the growing importance of open banking worldwide is a key driver of the digital lending platform market's growth.

Technological advancements are key trends gaining traction in the digital lending platform market. Major market players are focusing on developing innovative technologies to enable automation across various business processes. For example, in April 2023, Tavant, a U.S.-based IT services and solutions company, launched a touchless lending asset analysis tool that automates the asset review process in mortgage underwriting. This solution streamlines the traditionally labor-intensive task of evaluating bank statements and verifying borrower assets. By leveraging advanced AI and machine learning models, the product effectively analyzes relevant loan details, assesses document acceptability, and identifies any anomalies or inconsistencies in financial transactions.

Leading companies in the digital lending platform market are at the forefront of developing innovative technologies, including the implementation of public tech platforms, to enhance customer service. A notable example is the Reserve Bank of India, which, in August 2023, introduced a Public Tech Platform designed to facilitate seamless credit transactions by ensuring the smooth flow of essential digital information to lenders. This platform is geared towards integrating various services, such as Aadhaar e-KYC, state government land records, satellite data, PAN validation, Aadhaar e-signing, and house/property search data. The platform's open architecture, open Application Programming Interfaces (APIs), and open standards enable all participants in the financial sector to easily connect and operate in a 'plug and play' manner. The overarching goal is to bring efficiency to the lending process, with benefits including cost reduction, accelerated disbursement, and scalability.

In a significant move in July 2022, M2P Fintech, an API Platform for banking and payments products based in India, acquired Finflux for an undisclosed sum. This strategic acquisition was geared towards enabling M2P Fintech to expand its services to include support for lending products and enhance workflow automation. Finflux, the acquired company, is a cloud lending platform based in India, and the synergy between the two entities is expected to bring about advancements in the digital lending landscape.

Major companies operating in the digital lending platform market include Nucleus Software Exports Limited, Accenture plc, Fiserv Inc., Fidelity National Information Services Inc. (FIS), HES FinTech POS, Wipro Limited, DocuSign Inc., Finastra Limited, Pegasystems Inc., Black Knight Inc., LendingTree LLC, Temenos AG, Ellie Mae Inc., ICE Mortgage Technology Inc., Tavant Technologies Inc., EdgeVerve Systems Limited, BlendLabs Inc., Teylor AG, Intellect Design Arena Ltd., Mambu GmbH, Newgen Software Technologies Ltd., Sigma Infosolutions Ltd., Auxmoney GmbH, Roostify Inc., DocuTech Corporation, Built Technologies lnc., Decimal Technologies Pvt Ltd., CU Direct Corporation, Swiss Fintech AG, Upstart Network Inc., ZestFinance Inc.

North America was the largest growing region in the digital lending platform market in 2024. Asia-Pacific is expected to be the fastest-growing region in the forecast period. The regions covered in the digital lending platform market report are Asia-Pacific, Western Europe, Eastern Europe, North America, South America, Middle East, Africa.

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

The digital lending platform market includes revenues earned by entities by commercial loans, consumer loans, commercial finance, and a 24/7 loan marketplace. 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.

Digital Lending Platform 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 digital lending platform 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 digital lending platform ? 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 digital lending platform 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. Digital Lending Platform Market Characteristics

3. Digital Lending Platform Market Trends And Strategies

4. Digital Lending Platform Market - Macro Economic Scenario Macro Economic Scenario Including The Impact Of Interest Rates, Inflation, Geopolitics, Trade Wars and Tariffs, And Covid And Recovery On The Market

5. Global Digital Lending Platform Growth Analysis And Strategic Analysis Framework

6. Digital Lending Platform Market Segmentation

7. Digital Lending Platform Market Regional And Country Analysis

8. Asia-Pacific Digital Lending Platform Market

9. China Digital Lending Platform Market

10. India Digital Lending Platform Market

11. Japan Digital Lending Platform Market

12. Australia Digital Lending Platform Market

13. Indonesia Digital Lending Platform Market

14. South Korea Digital Lending Platform Market

15. Western Europe Digital Lending Platform Market

16. UK Digital Lending Platform Market

17. Germany Digital Lending Platform Market

18. France Digital Lending Platform Market

19. Italy Digital Lending Platform Market

20. Spain Digital Lending Platform Market

21. Eastern Europe Digital Lending Platform Market

22. Russia Digital Lending Platform Market

23. North America Digital Lending Platform Market

24. USA Digital Lending Platform Market

25. Canada Digital Lending Platform Market

26. South America Digital Lending Platform Market

27. Brazil Digital Lending Platform Market

28. Middle East Digital Lending Platform Market

29. Africa Digital Lending Platform Market

30. Digital Lending Platform Market Competitive Landscape And Company Profiles

31. Digital Lending Platform Market Other Major And Innovative Companies

32. Global Digital Lending Platform Market Competitive Benchmarking And Dashboard

33. Key Mergers And Acquisitions In The Digital Lending Platform Market

34. Recent Developments In The Digital Lending Platform Market

35. Digital Lending Platform Market High Potential Countries, Segments and Strategies

36. Appendix

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