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세계의 렌딩 테크놀로지(LendTech) 시장 보고서(2025년)
Lending Technology (LendTech) Global Market Report 2025
상품코드 : 1808762
리서치사 : The Business Research Company
발행일 : On Demand Report
페이지 정보 : 영문 250 Pages
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한글목차

렌딩 테크놀로지(LendTech) 시장 규모는 향후 수년간 비약적인 성장이 예상됩니다. 2029년에는 CAGR 25.5%를 나타낼 것으로 예측되며 521억 2,000만 달러로 성장할 전망입니다. 예측 기간 동안의 성장은 블록체인 통합, 오픈 뱅킹 확대, 맞춤형 대출 상품에 대한 관심 증가, 글로벌 경제 회복, 지속가능 금융에 대한 강조 증가 등에 기인할 수 있습니다. 예측 기간의 주요 트렌드로는 인공지능(AI) 및 머신러닝 알고리즘 활용 증가, 블록체인 기술 도입, 디지털 전용 대출업체 부상, 오픈 뱅킹 규제 시행, 비금융 플랫폼 내 대출 서비스 통합 등이 있습니다.

향후 5년간 25.5% 성장이라는 전망치는 해당 시장에 대한 이전 추정치 대비 0.6% 소폭 하향 조정된 수치 입니다. 이 같은 하향 조정은 주로 미국과 타국 간 관세 영향 때문입니다. 이는 대체 신용 평가 모델과 자동화된 심사 플랫폼(주로 중국과 한국에서 개발됨)이 특수 하드웨어 관세로 인해 개발 비용이 증가함에 따라 디지털 대출 분야의 혁신 속도가 둔화되면서 미국에 직접적인 영향을 미칠 가능성이 높습니다. 또한 상호 관세 부과와 무역 긴장 및 제한 강화로 인한 세계 경제 및 무역에 대한 부정적 영향으로 그 효과가 더 광범위하게 나타날 것입니다.

렌딩 테크놀로지 시장은 클라우드 서비스 채택 증가에 힘입어 성장할 전망입니다. 인터넷을 통해 소프트웨어, 저장 공간, 컴퓨팅 자원에 원격으로 접근할 수 있는 클라우드 서비스는 유연성, 확장성, 비용 효율성이라는 장점으로 인기를 얻고 있습니다. 기업들은 비용 절감과 신속한 자원 조정을 위해 클라우드 서비스를 도입하고 있습니다. 클라우드 컴퓨팅은 확장 가능한 인프라, 고급 분석, 강력한 보안, 비용 효율성을 제공함으로써 렌딩 테크놀로지를 향상시킵니다. 이를 통해 대출 기관은 더 빠르고 안전하며 신뢰할 수 있는 고객 서비스를 제공할 수 있습니다. 예를 들어 유로스타트가 2023년 12월에 발표한 바에 따르면 유럽연합(EU) 기업의 45.2%가 클라우드 컴퓨팅 서비스를 이용하고 있으며 2021년부터 4% 증가하고 있습니다. 따라서 클라우드 서비스의 채택이 증가하고 있는 것은 렌딩 테크놀로지 시장의 성장을 지원하는 중요한 요인이 되고 있습니다.

목차

제1장 주요 요약

제2장 시장 특징

제3장 시장 동향과 전략

제4장 시장 : 금리, 인플레이션, 지정학, 무역전쟁과 관세, 그리고 코로나 및 회복이 시장에 미치는 영향을 포함한 거시경제 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 인수합병(M&A)

제34장 최근 시장 동향

제35장 시장의 잠재력이 높은 국가, 부문, 전략

제36장 부록

HBR
영문 목차

영문목차

Lending technology (LendTech) encompasses innovative tools and systems within the financial industry aimed at enhancing and simplifying the borrowing and lending process. It includes a diverse range of applications and solutions designed to automate and streamline various stages of lending, from initial loan origination and underwriting to ongoing loan servicing and collections. This technology is tailored to assess creditworthiness, manage loan applications efficiently, disburse funds promptly, and automate repayment procedures.

The primary categories of lending technology include consumer lending and business lending. Consumer lending involves providing loans to individuals for personal needs such as buying a car, funding education, or covering medical expenses. These solutions and services are deployed through various modes, including on-premises and cloud, catering to organizations of different sizes-from large enterprises to small and medium-sized businesses-and serving a broad spectrum of end-users such as banks, credit unions, and non-banking financial companies (NBFCs).

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

The lending technology (lendtech) market size has grown exponentially in recent years. It will grow from $16.61 billion in 2024 to $21.04 billion in 2025 at a compound annual growth rate (CAGR) of 26.7%. The growth in the historic period can be attributed to the shift towards digital processes in financial services, evolving regulatory landscapes, the rise of P2P lending platforms, and increasing demand for seamless, personalized lending experiences.

The lending technology (lendtech) market size is expected to see exponential growth in the next few years. It will grow to $52.12 billion in 2029 at a compound annual growth rate (CAGR) of 25.5%. The growth in the forecast period can be attributed to the integration of blockchain, expansion of open banking, increasing focus on personalized lending products, global economic recovery, and growing emphasis on sustainable finance. Major trends in the forecast period include increasing use of AI and machine learning algorithms, adoption of blockchain technology, rise of digital-only lenders, implementation of open banking regulations, and integration of lending services into non-financial platforms.

The forecast of 25.5% growth over the next five years reflects a modest reduction of 0.6% from the previous estimate for this market. 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 alternative credit scoring models and automated underwriting platforms, predominantly developed in China and South Korea, face higher development costs due to specialized hardware tariffs. 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 lending technology market is poised for growth driven by the increasing adoption of cloud services. Cloud services, which offer remote access to software, storage, and computing resources via the internet, are gaining popularity due to their flexibility, scalability, and cost-effectiveness benefits. Businesses are adopting cloud services to save costs and adjust resources quickly. Cloud computing enhances lending technology by providing scalable infrastructure, advanced analytics, robust security, and cost efficiency. This enables lenders to deliver faster, more secure, and reliable customer services. For example, Eurostat reported in December 2023 that 45.2% of enterprises in the European Union used cloud computing services, up 4% from 2021, primarily for tasks such as hosting email systems and storing electronic files. Therefore, the rising adoption of cloud services is a key driver behind the growth of the lending technology market.

Leading companies in the lending technology market are focusing on developing cutting-edge solutions such as AI-based digital lending platforms to enhance customer service and operational efficiency. These platforms utilize artificial intelligence and algorithms to evaluate creditworthiness, automate loan approvals, and personalize offerings based on borrower data and behavior. For instance, BusinessNext launched its cloud-based Digital Lending Platform 3.0 in January 2023. This platform revolutionizes the lending process for banks and financial services with features such as AI-driven automation, code-less journey designers, and private cloud landing zones. It supports over 200 lending products, ensures regulatory compliance, and accelerates onboarding through AI and machine learning, thereby optimizing operational efficiency and reducing turnaround times.

In December 2023, Computer Services Inc. (CSI), a US-based lending technology company, acquired Hawthorn River for an undisclosed sum. This acquisition enhances CSI's capabilities in providing extensive loan origination solutions for both commercial and consumer accounts. It also enables CSI to broaden its market footprint by offering these solutions to non-CSI community banks through strategic partnerships and API integrations with other technology providers. Hawthorn River, headquartered in the US, specializes in commercial and consumer lending solutions, including digital lending technology.

Major companies operating in the lending technology (LendTech) market are Fiserv Inc., FIS, Enova.com, Social Finance Inc., Pegasystems Inc., LendingClub Bank, Newgen Software Technologies Limited, Upstart Network Inc., Credit Karma LLC, Lendio, Zopa Bank Limited, OakNorth Credit Intelligence, Nelito Systems Pvt. Ltd., Funding Circle Ltd., OnDeck, Avant LLC, Better Mortgage Corporation, Fundbox, Plaid Inc., Kreditech, LENDUP.com

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

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

The lending technology (LendTech) market includes revenues earned by entities by providing loan origination systems, risk assessment tools, digital lending platforms, loan servicing systems, and distributed ledger technology. 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.

Lending Technology (LendTech) 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 lending technology (lendtech) 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 lending technology (lendtech) ? 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 lending technology (lendtech) 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. Lending Technology (LendTech) Market Characteristics

3. Lending Technology (LendTech) Market Trends And Strategies

4. Lending Technology (LendTech) 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 Lending Technology (LendTech) Growth Analysis And Strategic Analysis Framework

6. Lending Technology (LendTech) Market Segmentation

7. Lending Technology (LendTech) Market Regional And Country Analysis

8. Asia-Pacific Lending Technology (LendTech) Market

9. China Lending Technology (LendTech) Market

10. India Lending Technology (LendTech) Market

11. Japan Lending Technology (LendTech) Market

12. Australia Lending Technology (LendTech) Market

13. Indonesia Lending Technology (LendTech) Market

14. South Korea Lending Technology (LendTech) Market

15. Western Europe Lending Technology (LendTech) Market

16. UK Lending Technology (LendTech) Market

17. Germany Lending Technology (LendTech) Market

18. France Lending Technology (LendTech) Market

19. Italy Lending Technology (LendTech) Market

20. Spain Lending Technology (LendTech) Market

21. Eastern Europe Lending Technology (LendTech) Market

22. Russia Lending Technology (LendTech) Market

23. North America Lending Technology (LendTech) Market

24. USA Lending Technology (LendTech) Market

25. Canada Lending Technology (LendTech) Market

26. South America Lending Technology (LendTech) Market

27. Brazil Lending Technology (LendTech) Market

28. Middle East Lending Technology (LendTech) Market

29. Africa Lending Technology (LendTech) Market

30. Lending Technology (LendTech) Market Competitive Landscape And Company Profiles

31. Lending Technology (LendTech) Market Other Major And Innovative Companies

32. Global Lending Technology (LendTech) Market Competitive Benchmarking And Dashboard

33. Key Mergers And Acquisitions In The Lending Technology (LendTech) Market

34. Recent Developments In The Lending Technology (LendTech) Market

35. Lending Technology (LendTech) Market High Potential Countries, Segments and Strategies

36. Appendix

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