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세계의 금융 서비스용 데이터 윤리 관리 시장 보고서(2025년)
Data Ethics Management for Financial Services Global Market Report 2025
상품코드 : 1888204
리서치사 : The Business Research Company
발행일 : On Demand Report
페이지 정보 : 영문 250 Pages
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한글목차

금융 서비스용 데이터 윤리 관리 시장 규모는 최근 급격히 확대되고 있습니다. 2024년의 23억 8,000만 달러에서 2025년에는 29억 2,000만 달러로 성장하고, CAGR22.6%를 나타낼 것으로 전망되고 있습니다. 지난 몇 년간의 성장은 데이터 보호 규제의 엄격한 시행, 데이터 주체의 권리와 동의 의무의 도입, 국경을 넘은 데이터 전송과 현지화 요건 증가, 개인 정보 악용에 대한 규제 벌칙의 강화, 오픈 뱅킹 데이터 공유 의무의 확대 등이 요인으로 생각됩니다.

금융 서비스용 데이터 윤리 관리 시장 규모는 앞으로 수년간 급격한 성장이 예상됩니다. 2029년에는 65억 2,000만 달러에 달하고, CAGR은 22.2%를 나타낼 전망입니다. 예측 기간에 있어서 성장요인으로는 월경 데이터 이전의 적정성 기준과 이전 메커니즘의 확충, 모델 검증과 공정성 테스트에 대한 감독 당국의 기대가 높아지고, 책임 있는 데이터 이용 공개를 요구하는 투자자·이사회의 압력, 벤더 감시 강화를 필요로 하는 제3자 제공업체에 대한 의존도 증가, 데이터 공유 규칙을 확대하는 오픈 파이낸스 체계의 지속적인 확산 등이 있습니다. 예측 기간의 주요 동향으로는 코드로서의 규제관리 라이브러리, 설명 가능한 인공지능 툴체인, 보안 멀티파티 계산 및 동형 암호화 등의 프라이버시 강화 계산, 기관간 연계를 위한 페더레이티드 러닝, 통계적 공개 및 모델 트레이닝을 위한 차등 프라이버시 등이 있습니다.

디지털 뱅킹에 대한 선호도 증가는 향후 수년간 금융 서비스용 데이터 윤리 관리 시장의 성장을 이끌 것으로 예측됩니다. 디지털 뱅킹은 디지털 플랫폼을 통해 은행 서비스 및 금융 거래를 제공하는 것으로, 고객은 물리적 지점을 방문하지 않고 전자적으로 은행 업무에 액세스, 관리 및 실행할 수 있습니다. 이 선호도는 편의성을 통해 촉진되며 고객은 온라인 및 모바일 플랫폼을 통해 언제 어디서나 금융 서비스를 이용할 수 있습니다. 금융 서비스용 데이터 윤리 관리는 고객 데이터의 투명성, 안전성 및 책임있는 취급을 보장함으로써 디지털 뱅킹을 지원하고 디지털 금융 플랫폼에 대한 신뢰 구축에 기여합니다. 예를 들어 2024년 7월 UK Finance의 보고서에 따르면 2023년 영국의 디지털 뱅킹 이용률은 상승했고, 성인의 62%는 온라인 뱅킹, 60%는 모바일 뱅킹을 이용했습니다. 비접촉형 결제는 183억 건에 이르며 2022년 170억 건에서 7% 증가했습니다. 물리적 카드, 모바일 단말기, 웨어러블 기기를 통한 거래를 포함한 전체 결제의 38%를 차지하며, 편리한 디지털 퍼스트 결제 방법으로의 전환이 현저합니다. 이는 디지털 뱅킹에 대한 선호 증가가 금융 서비스용 데이터 윤리 관리 시장을 견인하고 있는 실태를 보여줍니다.

금융 서비스용 데이터 윤리 관리 시장의 주요 기업은 거버넌스 표준화, 컴플라이언스 자동화, 하이브리드 및 멀티클라우드 환경에서 책임 있는 AI 확장을 목적으로 인공지능(AI) 서비스를 위한 오픈소스 공통 제어 등 첨단 기술 인프라에 대한 투자를 추진하고 있습니다. 이러한 오픈소스 공통 제어는 기술 중립적이고 클라우드 독립적인 템플릿으로, 종종 '규제로우코드'로 구현되며 AI 수명 주기 전반에 보안, 감사 가능성 및 위험 완화를 통합합니다. 이를 통해 금융기관은 효율적이고 일관된 컴플라이언스를 입증할 수 있습니다. 예를 들어 2025년 6월 미국 비영리 단체 Fintech Open Source Foundation(FINOS)은 은행 클라우드 공급자와 연계하여 AI 서비스 공통 관리 기준 이니셔티브를 시작했습니다. 본 이니셔티브는 금융 서비스 업계를 위한 표준화된 개방형 관리 기준을 제공하여 안전한 AI 도입을 위한 실시간 검증을 실현합니다. 기관과 벤더 간의 거버넌스를 조화시킴으로써 중복 작업을 삭감하고 규제 대응을 가속화함과 동시에 금융기관에서 AI 이용의 일관성, 투명성, 신뢰성을 높이는 통일된 오픈 표준을 확립합니다.

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

KTH
영문 목차

영문목차

Data ethics management for financial services refers to the policies, controls, and practices that guide how banks, insurers, and fintechs collect, use, share, and retain data, as well as design, deploy, and monitor analytics and artificial intelligence. Its purpose is to ensure privacy, fairness, transparency, and accountability in data-driven decisions, comply with regulations, and maintain customer trust.

The key components of data ethics management for financial services include software, services, and platforms. Software consists of digital tools and applications that help financial institutions ensure responsible data usage, privacy protection, and ethical decision-making in data-driven operations. These solutions are deployed through on-premises and cloud models and serve organizations of all sizes, including large enterprises and small and medium enterprises (SMEs), across applications such as risk management, compliance management, data governance, customer analytics, and other related areas. The key end users include banks, insurance companies, investment firms, fintech companies, 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 rapid escalation of U.S. tariffs and the resulting trade tensions in spring 2025 are significantly impacting the financial sector, particularly in investment strategies and risk management. Heightened tariffs have fueled market volatility, prompting cautious behavior among institutional investors and increasing demand for hedging instruments. Banks and asset managers are facing higher costs associated with cross-border transactions, as tariffs disrupt global supply chains and dampen corporate earnings, key drivers of equity market performance. Insurance companies, meanwhile, are grappling with increased claims risks tied to supply chain disruptions and trade-related business losses. Additionally, reduced consumer spending and weakened export demand are constraining credit growth and investment appetite. The sector must now prioritize diversification, digital transformation, and robust scenario planning to navigate the heightened economic uncertainty and protect profitability.

The data ethics management for financial services market research report is one of a series of new reports from The Business Research Company that provides data ethics management for financial services market statistics, including data ethics management for financial services industry global market size, regional shares, competitors with a data ethics management for financial services market share, detailed data ethics management for financial services market segments, market trends and opportunities, and any further data you may need to thrive in the data ethics management for financial services industry. This data ethics management for financial services 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 data ethics management for financial services market size has grown exponentially in recent years. It will grow from $2.38 billion in 2024 to $2.92 billion in 2025 at a compound annual growth rate (CAGR) of 22.6%. The growth in the historic period can be attributed to stricter enforcement of data protection regulations, introduction of data subject rights and consent obligations, growth in cross-border data transfers and localization requirements, rising regulatory penalties for misuse of personal information, and expansion of open banking data sharing mandates.

The data ethics management for financial services market size is expected to see exponential growth in the next few years. It will grow to $6.52 billion in 2029 at a compound annual growth rate (CAGR) of 22.2%. The growth in the forecast period can be attributed to the expansion of cross-border adequacy and data transfer mechanisms, heightened supervisory expectations for model validation and fairness testing, investor and board pressure for responsible data use disclosures, growing reliance on third-party providers requiring stronger vendor oversight, and the continued rise of open finance schemes extending data sharing rules. Key trends in the forecast period include regulation-as-code control libraries, explainable artificial intelligence toolchains, privacy-enhancing computation such as secure multi-party computation and homomorphic encryption, federated learning for cross-institution collaboration, and differential privacy for statistical releases and model training.

The growing preference for digital banking is expected to drive the growth of the data ethics management for financial services market in the coming years. Digital banking refers to the delivery of banking services and financial transactions through digital platforms, allowing customers to access, manage, and perform banking activities electronically without visiting physical branches. This preference is fueled by convenience, as customers can access financial services anytime and anywhere through online and mobile platforms. Data ethics management for financial services supports digital banking by ensuring customer data is handled transparently, securely, and responsibly, building trust in digital financial platforms. For example, in July 2024, UK Finance reported that in 2023, digital banking adoption in the United Kingdom rose, with 62% of adults using online banking and 60% using mobile banking. Contactless payments grew to 18.3 billion, up 7% from 17.0 billion in 2022, representing 38% of all payments, including transactions via physical cards, mobile devices, or wearables, highlighting the shift toward convenient, digital-first payment methods. This demonstrates how the growing preference for digital banking is driving the data ethics management for financial services market.

Key companies in the data ethics management market for financial services are investing in advanced technology infrastructures, such as open-source common controls for artificial intelligence (AI) services, to standardize governance, automate compliance, and scale responsible AI across hybrid and multi-cloud environments. These open-source common controls are technology-neutral and cloud-agnostic templates, often implemented as regulation-as-code, embedding security, auditability, and risk mitigation throughout the AI lifecycle. This enables financial institutions to demonstrate compliance efficiently and consistently. For instance, in June 2025, the Fintech Open Source Foundation (FINOS), a US-based non-profit organization, launched the Common Controls for AI Services initiative in collaboration with banks and cloud providers. The initiative provides standardized open controls tailored to the financial services sector, offering real-time validation for secure AI deployment. By harmonizing governance across institutions and vendors, it reduces duplication, accelerates regulatory alignment, and establishes a unified open standard that enhances consistency, transparency, and trust in AI usage within financial institutions.

In July 2023, Informatica, a US-based enterprise cloud data management company, acquired Privitar for an undisclosed amount. This acquisition enables Informatica to integrate Privitar's policy-driven privacy, de-identification, dynamic masking, and governed data-access capabilities into its broader data management portfolio. This allows institutions to provide protected self-service analytics, enforce purpose limitation and lawful processing at scale, and maintain auditable, accountable use of sensitive information across complex, hybrid technology environments. Privitar is a UK-based data access management and privacy software company.

Major players in the data ethics management for financial services market are Google LLC, Microsoft Corporation, Deloitte Touche Tohmatsu Limited, Accenture plc, IBM Corporation, PwC (PricewaterhouseCoopers), Oracle Corporation, Ernst & Young LLP, KPMG International, Tata Consultancy Services (TCS), Capgemini SE, Cognizant Technology Solutions, Infosys Limited, Experian plc, Equifax Inc., TransUnion LLC, SAS Institute Inc., Palantir Technologies Inc., Fair Isaac Corporation, and Mu Sigma Inc.

North America was the largest region in the data ethics management for financial services market in 2024. Asia-Pacific is expected to be the fastest-growing region in the forecast period. The regions covered in data ethics management for financial services report are Asia-Pacific, Western Europe, Eastern Europe, North America, South America, Middle East and Africa.

The countries covered in the data ethics management for financial services market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Russia, South Korea, UK, USA, Canada, Italy, Spain.

The data ethics management for financial services market includes revenues earned by entities by providing services such as ethical data governance framework design, algorithmic impact assessment and model fairness audit, consent data rights and purpose management program setup, regulatory compliance mapping and readiness, and staff training and culture change. 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.

Data Ethics Management for Financial Services 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 data ethics management for financial services 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 data ethics management for financial services ? 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 data ethics management for financial services 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. Data Ethics Management for Financial Services Market Characteristics

3. Data Ethics Management for Financial Services Market Trends And Strategies

4. Data Ethics Management for Financial Services 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 Data Ethics Management for Financial Services Growth Analysis And Strategic Analysis Framework

6. Data Ethics Management for Financial Services Market Segmentation

7. Data Ethics Management for Financial Services Market Regional And Country Analysis

8. Asia-Pacific Data Ethics Management for Financial Services Market

9. China Data Ethics Management for Financial Services Market

10. India Data Ethics Management for Financial Services Market

11. Japan Data Ethics Management for Financial Services Market

12. Australia Data Ethics Management for Financial Services Market

13. Indonesia Data Ethics Management for Financial Services Market

14. South Korea Data Ethics Management for Financial Services Market

15. Western Europe Data Ethics Management for Financial Services Market

16. UK Data Ethics Management for Financial Services Market

17. Germany Data Ethics Management for Financial Services Market

18. France Data Ethics Management for Financial Services Market

19. Italy Data Ethics Management for Financial Services Market

20. Spain Data Ethics Management for Financial Services Market

21. Eastern Europe Data Ethics Management for Financial Services Market

22. Russia Data Ethics Management for Financial Services Market

23. North America Data Ethics Management for Financial Services Market

24. USA Data Ethics Management for Financial Services Market

25. Canada Data Ethics Management for Financial Services Market

26. South America Data Ethics Management for Financial Services Market

27. Brazil Data Ethics Management for Financial Services Market

28. Middle East Data Ethics Management for Financial Services Market

29. Africa Data Ethics Management for Financial Services Market

30. Data Ethics Management for Financial Services Market Competitive Landscape And Company Profiles

31. Data Ethics Management for Financial Services Market Other Major And Innovative Companies

32. Global Data Ethics Management for Financial Services Market Competitive Benchmarking And Dashboard

33. Key Mergers And Acquisitions In The Data Ethics Management for Financial Services Market

34. Recent Developments In The Data Ethics Management for Financial Services Market

35. Data Ethics Management for Financial Services Market High Potential Countries, Segments and Strategies

36. Appendix

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