세계의 치과 치료용 플렉서블 결제 핀테크 시장 보고서(2025년)
Flexible Payment Fintech for Dental Care Global Market Report 2025
상품코드 : 1889384
리서치사 : The Business Research Company
발행일 : On Demand Report
페이지 정보 : 영문 250 Pages
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한글목차

세계의 치과 치료용 플렉서블 결제 핀테크 시장 규모는 최근 급속히 확대되고 있습니다. 2024년 32억 7,000만 달러에서 2025년에는 37억 8,000만 달러로, CAGR 15.6%로 성장이 전망되고 있습니다. 지난 몇 년간의 성장 요인으로는 치과 치료에서의 자기 부담액 증가, 선택적 및 심미 치과 처치에 수요 증가, 의료 분야에서 디지털 결제 방법의 보급, 치과 진료소 체인 및 네트워크의 확대, 소비자용 크레딧이나 할부 옵션의 이용 가능성 향상 등을 들 수 있습니다.

치과 치료용 플렉서블 결제 핀테크 시장 규모는 앞으로 몇 년 동안 급속한 성장이 예상됩니다. 2029년까지 66억 7,000만 달러에 달하고 CAGR은 15.3%가 될 전망입니다. 예측기간의 성장요인으로는 치과 치료용 플렉서블 할부금융의 이용 확대, 금융기술 제공업체와 치과의원간의 제휴 증가, 환자용 금융 지원과 투명성 있는 청구에 대한 규제면 지원 강화, 치과서비스 분야에 대한 '후불 결제' 모델 도입 확대, 결제 플랫폼과 전자건강기록(EHR) 및 진료관리 시스템과 연계 강화 등이 있습니다. 예측기간의 주요 동향으로서는 안전한 모바일 결제 및 인증 플랫폼의 진화, 치과 치료의 타임라인에 맞춘 후불 결제 모델의 혁신, 환자용 융자에서 인공지능(AI) 구동형 여신 심사의 개발, 블록 체인을 활용한 투명성이 있는 청구 및 보험 청구 처리의 연구 개발, 핀테크 솔루션과 치과 진료 관리 소프트웨어의 원활한 통합 진전 등이 있습니다.

디지털 결제 플랫폼의 보급 확대는 향후 치과 치료용 플렉서블 결제 핀테크 시장의 성장을 이끌 것으로 예측됩니다. 디지털 결제 플랫폼이란, 상품 및 서비스의 전자 거래를 촉진하는 기술 기반 시스템을 가리키고, 실시간 처리, 플렉서블 결제 플랜, 업무 소프트웨어와의 원활한 연계를 제공합니다. 디지털 결제 플랫폼의 보급 확대는 편의성과 플렉서블 자금 조달 옵션을 요구하는 소비자 수요 증가, 치과 진료소의 사무 업무 효율화와 현금 흐름 개선의 필요성, 의료 업계 전체의 디지털 변혁에 기인하고 있습니다. 치과의료를 위한 플렉서블 결제 핀테크는 치과의원 관리 시스템과 직접 연계하는 환자를 위한 자금 조달 솔루션을 제공함으로써 이 보급을 지원하여 환자의 체험 향상과 치료 계획의 승낙율 향상을 실현합니다. 예를 들어 영국에 본사를 둔 업계 단체인 UK Finance에 따르면 2025년 10월 시점에서 모바일 결제 이용자의 약 절반이 월별 결제를 이용했고, 44%가 주별 또는 그 이상의 빈도로 지불하고 있었습니다. 이용률이 가장 높았던 것은 16-24세(88%)이며, 65세 이상층의 이용률도 2023년 14%에서 2024년에는 25%로 증가하고 있습니다. 따라서 디지털 결제 플랫폼의 보급 확대가 치과 치료용 플렉서블 결제 핀테크 시장의 성장을 견인하고 있습니다.

치과 치료용 플렉서블 결제 핀테크 시장에서 사업을 전개하는 주요 기업은 진료 워크플로우에 직접 대출 기능을 통합하는 '구입 시 후불 결제' 플랫폼 등 통합형 할부 제휴에 주력하고 있습니다. 이에 따라 치료의 수락률 향상과 초기 비용 부담의 경감을 도모하고 있습니다. 판매 시점에서의 후불 결제 플랫폼에서는 환자는 진료소 또는 모바일 단말로 장단기 분할 지불 대출을 신청 및 수령할 수 있습니다. 소프트 신용 조사 또는 하드 신용 조사 없이 심사, 거의 즉시 승인 결정, 진료 관리 및 청구 시스템과의 제휴에 의한 환자의 등록과 상환의 자동화가 특징입니다. 예를 들어, 2023년 9월에는 미국을 기반으로 하는 금융기술 기업 Sunbit이 인공지능을 활용한 치과 소프트웨어를 제공하는 미국 기업 Overjet과 제휴하여 Sunbit의 분할 지불 기술을 치과 진료에 도입했습니다. 이 협력을 통해 Sunbit의 모바일 및 접수 애플리케이션 흐름(높은 승인률과 통합 기능을 갖춘)과 Overjet의 인공지능에 의한 치료 인사이트를 결합하여 임상의가 대출 옵션을 제시할 수 있게 되었습니다.

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

JHS
영문 목차

영문목차

Flexible payment fintech for dental care refers to the use of financial technology solutions that streamline and manage dental treatment payments through accessible and adaptable digital platforms. It allows patients to pay for dental services using installment plans, loans, or personalized financing options, helping reduce the pressure of upfront costs. By integrating advanced payment processing, automation, and analytics, it promotes financial transparency, convenience, and affordability for both patients and dental care providers.

The key solution types of flexible payment fintech for dental care include point-of-sale financing, buy now pay later, subscription plans, installment loans, and others. Point-of-sale financing refers to payment solutions that allow patients to receive immediate financing approval at the dental clinic or care facility, enabling them to undergo treatments without initial payments. Deployment modes include cloud-based and on-premises. The key applications include orthodontics, cosmetic dentistry, general dentistry, oral surgery, and others, serving end-users such as dental clinics, hospitals, specialty dental centers, 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 sudden escalation of U.S. tariffs and the consequent trade frictions in spring 2025 are severely impacting the healthcare sector, particularly in the supply of critical medical devices, diagnostic equipment, and pharmaceuticals. Hospitals and healthcare providers are facing higher costs for imported surgical instruments, imaging equipment, and consumables such as syringes and catheters, many of which have limited domestic alternatives. These increased costs are straining healthcare budgets, leading some providers to delay equipment upgrades or pass on expenses to patients. Additionally, tariffs on raw materials and components are disrupting the production of essential drugs and devices, causing supply chain bottlenecks. In response, the industry is diversifying sourcing strategies, boosting local manufacturing where possible, and advocating for tariff exemptions on life-saving medical products.

The flexible payment fintech for dental care market research report is one of a series of new reports from The Business Research Company that provides flexible payment fintech for dental care market statistics, including the flexible payment fintech for dental care industry global market size, regional shares, competitors with the flexible payment fintech for dental care market share, detailed flexible payment fintech for dental care market segments, market trends, and opportunities, and any further data you may need to thrive in the flexible payment fintech for dental care industry. This flexible payment fintech for dental care 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 flexible payment fintech for dental care market size has grown rapidly in recent years. It will grow from $3.27 billion in 2024 to $3.78 billion in 2025 at a compound annual growth rate (CAGR) of 15.6%. The growth in the historic period can be attributed to increasing out-of-pocket dental expenses, rising demand for elective and cosmetic dental procedures, growing adoption of digital payment methods in healthcare, expansion of dental clinic chains and networks, and increasing availability of consumer credit and installment options.

The flexible payment fintech for dental care market size is expected to see rapid growth in the next few years. It will grow to $6.67 billion in 2029 at a compound annual growth rate (CAGR) of 15.3%. The growth in the forecast period can be attributed to increasing adoption of flexible installment financing for dental treatments, growing partnerships between financial technology providers and dental clinics, rising regulatory support for patient financing and transparent billing, expansion of buy now pay later models into dental services, and increasing integration of payment platforms with electronic health records and practice management systems. Primary trends in the forecast period include advancements in secure mobile payment and authentication platforms, innovation in buy now pay later models tailored for dental treatment timelines, development of artificial intelligence driven credit underwriting for patient financing, research and development in blockchain enabled transparent billing and claims processing, and progress in seamless integration between fintech solutions and dental practice management software.

The increasing adoption of digital payment platforms is expected to drive the growth of the flexible payment fintech for dental care market going forward. Digital payment platforms refer to technology-based systems that facilitate electronic transactions for goods and services, offering real-time processing, flexible payment plans, and smooth integration with business software. The rising adoption of digital payment platforms is due to growing consumer demand for convenience and flexible financing options, the need for dental practices to streamline administrative operations and improve cash flow, and the overall digital transformation of the healthcare industry. Flexible payment fintech for dental care supports this adoption by providing patient-friendly financing solutions that integrate directly with dental practice management systems, enhancing the patient experience and improving treatment plan acceptance rates. For instance, in October 2025, according to UK Finance, a UK-based trade association, about half of mobile payment users paid monthly, and 44% paid weekly or more often, with the highest usage among 16-24-year-olds (88%) and an increase among those aged 65 and above from 14% in 2023 to 25% in 2024. Therefore, the increasing adoption of digital payment platforms is driving the growth of the flexible payment fintech for dental care market.

Primary companies operating in the flexible payment fintech for dental care market are focusing on integrated pay over time partnerships such as point of sale buy now pay later platforms that embed financing directly into practice workflows to increase treatment acceptance and minimize upfront cost challenges. Point of sale buy now pay later platforms allow patients to apply for and receive short or long term installment financing at the clinic or on a mobile device, using soft or no hard credit checks, providing near instant approval decisions, and connecting to practice management and billing systems to automate patient onboarding and repayments. For instance, in September 2023, Sunbit, a US-based financial technology company, partnered with Overjet, a US-based provider of artificial intelligence powered dental software, to bring Sunbit's pay over time technology into dental practices. The collaboration combined Sunbit's mobile and front desk application flow with high approval rates and integrations that enable clinicians to present financing options alongside Overjet's artificial intelligence treatment insights.

In January 2023, Scratch Financial Inc., a US-based financial technology company, partnered with Wellfit to make financing, payments, and dental plans simple and accessible to patients at numerous dental practices across the country. Through this partnership, Scratch and Wellfit aim to provide dental patients with more accessible and flexible payment options to reduce upfront treatment expenses and enhance affordability. Wellfit Technologies Inc. is a US-based healthcare technology platform company.

Major companies operating in the flexible payment fintech for dental care market are Henry Schein Inc., CareCredit LLC, Straumann Holding AG, Affirm Inc., LendingClub Bank National Association, BHG Financial LLC, Sezzle Inc., Cherry Technologies Inc., Sunbit Inc., Wisetack Inc., Adit Inc., Cleardent Dental Software Inc., PatientFi LLC, Splitit Payments Ltd., iCare Financial LLC, Dentulu Inc., Proceed Finance LLC, Delmain Inc., Prosper Marketplace Inc., United National Credit Advisors LLC.

North America was the largest region in the flexible payment fintech for dental care market in 2024. Asia-Pacific is expected to be the fastest-growing region in the forecast period. The regions covered in flexible payment fintech for dental care report are Asia-Pacific, Western Europe, Eastern Europe, North America, South America, Middle East and Africa.

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

The flexible payment fintech for dental care market includes revenues earned by entities by providing services such as loan management services, digital billing services, and patient financing 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.

Flexible Payment Fintech for Dental Care 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 flexible payment fintech for dental care 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 flexible payment fintech for dental care ? 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 flexible payment fintech for dental care 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. Flexible Payment Fintech For Dental Care Market Characteristics

3. Flexible Payment Fintech For Dental Care Market Trends And Strategies

4. Flexible Payment Fintech For Dental Care 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 Flexible Payment Fintech For Dental Care Growth Analysis And Strategic Analysis Framework

6. Flexible Payment Fintech For Dental Care Market Segmentation

7. Flexible Payment Fintech For Dental Care Market Regional And Country Analysis

8. Asia-Pacific Flexible Payment Fintech For Dental Care Market

9. China Flexible Payment Fintech For Dental Care Market

10. India Flexible Payment Fintech For Dental Care Market

11. Japan Flexible Payment Fintech For Dental Care Market

12. Australia Flexible Payment Fintech For Dental Care Market

13. Indonesia Flexible Payment Fintech For Dental Care Market

14. South Korea Flexible Payment Fintech For Dental Care Market

15. Western Europe Flexible Payment Fintech For Dental Care Market

16. UK Flexible Payment Fintech For Dental Care Market

17. Germany Flexible Payment Fintech For Dental Care Market

18. France Flexible Payment Fintech For Dental Care Market

19. Italy Flexible Payment Fintech For Dental Care Market

20. Spain Flexible Payment Fintech For Dental Care Market

21. Eastern Europe Flexible Payment Fintech For Dental Care Market

22. Russia Flexible Payment Fintech For Dental Care Market

23. North America Flexible Payment Fintech For Dental Care Market

24. USA Flexible Payment Fintech For Dental Care Market

25. Canada Flexible Payment Fintech For Dental Care Market

26. South America Flexible Payment Fintech For Dental Care Market

27. Brazil Flexible Payment Fintech For Dental Care Market

28. Middle East Flexible Payment Fintech For Dental Care Market

29. Africa Flexible Payment Fintech For Dental Care Market

30. Flexible Payment Fintech For Dental Care Market Competitive Landscape And Company Profiles

31. Flexible Payment Fintech For Dental Care Market Other Major And Innovative Companies

32. Global Flexible Payment Fintech For Dental Care Market Competitive Benchmarking And Dashboard

33. Key Mergers And Acquisitions In The Flexible Payment Fintech For Dental Care Market

34. Recent Developments In The Flexible Payment Fintech For Dental Care Market

35. Flexible Payment Fintech For Dental Care Market High Potential Countries, Segments and Strategies

36. Appendix

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