세계의 디지털 대출 플랫폼 시장 규모 : 제공별, 전개 형태별, 최종사용자별, 지역별 범위 및 예측

Global Digital Lending Platform Market Size By Offering (Solutions and Services), By Deployment Mode (Cloud-Based, On-Premises), By End-User (Banks, Credit Unions), By Geographic Scope And Forecast

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한글목차

디지털 대출 플랫폼 시장 규모와 전망

디지털 대출 플랫폼 시장 규모는 2024년 290억 5,000만 달러로 평가되며, 2026-2032년 동안 17.29%의 CAGR로 성장하여 2032년에는 1,040억 4,000만 달러에 달할 것으로 예상됩니다.

• 디지털 대출 플랫폼은 대출 신청, 서류 업로드, 즉각적인 승인, 온라인 대출 계좌 관리 등 대출자에게 편리하고 원활한 대출 신청 방법을 제공합니다. 대출기관은 이러한 플랫폼을 활용하여 인수 프로세스를 자동화하고, 첨단 알고리즘과 머신러닝 모델을 통해 신용 위험을 평가하고, 대출 포트폴리오를 효율적으로 관리하고 있습니다.
• 디지털 대출 플랫폼은 소비자가 개인 대출, 자동차 대출, 신용 한도를 완전히 온라인으로 신청할 수 있도록 하여 대출 처리에 필요한 시간과 노력을 줄여줍니다. 기존에는 복잡하고 종이를 많이 사용하는 프로세스였던 모기지 대출은 온라인 신청, 서류 업로드, 실시간 상태 업데이트를 제공하는 디지털 플랫폼에 의해 변화하고 있습니다.
• 또한, 디지털 플랫폼은 학자금 대출 신청 및 결제를 간소화하여 학생들에게 교육 자금 조달 옵션에 대한 쉬운 접근을 제공하고 있습니다. 블록체인, 인공지능, 오픈 뱅킹 API와 같은 신기술과의 통합을 통해 디지털 대출 플랫폼의 기능은 더욱 강화되어 더 빠르고, 더 안전하고, 더 개인화된 대출 경험을 제공할 수 있습니다.

디지털 대출 플랫폼 세계 시장 역학

디지털 대출 플랫폼을 형성하는 주요 시장 역학은 다음과 같습니다.

주요 시장 촉진요인

• 디지털 뱅킹 서비스 채택 확대 : 은행 서비스의 디지털화 진전은 디지털 대출 플랫폼 시장의 중요한 촉진요인입니다. 세계은행의 'Global Findex Database 2021'에 따르면, 디지털 결제를 채택하는 신흥국 성인의 비율은 2014년 35%에서 2021년 57%로 상승할 것으로 예상됩니다. 이러한 디지털 뱅킹 이용의 급증은 금융기관이 고객의 기대에 부응하고 대출 절차를 간소화하기 위해 첨단 디지털 대출 시스템을 개발하는 원동력이 되고 있습니다.
• 대출 처리 속도에 대한 수요 증가 : 소비자와 기업 모두 더 빠른 대출 승인과 실행을 원하고 있으며, 효율적인 디지털 대출 플랫폼에 대한 수요가 증가하고 있습니다. 뉴욕 연방준비은행이 발표한 조사에 따르면, 2021년 모기지 신청에서 실행까지 걸리는 평균 기간은 49일로 2020년의 52일보다 단축된 것으로 나타났습니다. 이러한 처리 시간 단축 추세는 금융기관들이 대출 승인 시간을 크게 단축할 수 있는 디지털 플랫폼을 채택하도록 유도하고 있습니다.
• 대안적 대출 모델의 부상 : P2P 대출 및 기타 대안적 대출 기법의 부상으로 디지털 대출 플랫폼 시장이 확대되고 있으며, Cambridge Centre for Alternative Finance의 조사에 따르면, 전 세계 대안 금융 시장 규모는 2018년 3,045억 달러에 달했으며, 디지털 대출 플랫폼이 그 대부분을 차지하고 있습니다. 대체 대출의 확대는 전통 금융기관과 비 전통 금융기관 모두 강력한 디지털 대출 인프라에 대한 투자를 촉진하고 있습니다.

주요 과제

• 데이터 보안 문제 : 디지털 대출 플랫폼이 직면한 피싱, 악성코드, DDoS와 같은 사이버 공격은 업무를 방해하고 사용자 계정을 위험에 빠뜨리고 기밀 데이터를 훔칠 가능성이 높습니다. 이러한 위험을 줄이기 위해 플랫폼은 암호화, 다단계 인증, 침입 탐지 시스템 등 강력한 사이버 보안 대책을 도입해야 합니다.
• 인프라 및 네트워크 연결 문제 : 신흥국의 레거시 통신 인프라는 대용량 연결과 낮은 지연을 구현하기에 충분하지 않아 고객 만족도 저하와 서비스 품질 저하를 초래하고 있습니다. 따라서 초고속 인터넷과 온라인 서비스에 의존하는 디지털 대출 기업들은 이러한 솔루션 도입에 어려움을 겪을 것으로 예상됩니다. 승인에 시간이 걸리더라도, 이들 국가의 기업들은 더 나은 이해와 고객 경험을 위해 오프라인 대출 솔루션에 더 많이 의존하고 있습니다.
• 기존 대출 방식에 대한 의존도 : 많은 기업들이 시간과 노력이 많이 소요되는 기존 대출 방식을 선호하고, 기존의 신용 인수 절차 및 고객 기반 때문에 혁신을 채택하지 못하는 경우가 많습니다. 또한, 디지털 대출 및 첨단 솔루션에 대한 지식과 교육이 부족하다는 점도 도입에 걸림돌로 작용하고 있습니다.

주요 동향

• 네오뱅크와 핀테크렌더의 부상 : 네오뱅크와 핀테크렌더는 첨단 디지털 대출 상품으로 전통적인 은행 시장에 혁명을 일으키고 있습니다. 네오뱅크와 핀테크렌더는 데이터 분석, 디지털 우선주의, 고객 중심 전략을 통해 맞춤형 대출 솔루션, 매력적인 금리, 사용자 친화적인 경험을 제공하고 있습니다. 또한, 디지털 대출 플랫폼과 제휴하여 상품 라인업을 확장하는 경우가 많습니다.
• 금융 포용에 집중 : 공과금 결제, 임대차 내역, 거래 데이터 등의 데이터를 활용하여 DAM이 신용도를 평가함으로써 시장에 유리한 기회를 창출할 것으로 예상되며, DAM은 자금력이 부족한 개인과 중소기업에 소액 대출 및 소액 대출을 제공하고 있습니다. 이 플랫폼은 온라인을 통한 대출 신청 및 승인 프로세스를 제공하기 때문에 은행 지점이나 사무실 없이도 필요한 비용이나 긴급한 상황, 사업 성장 이니셔티브를 위한 자금을 이용할 수 있습니다.
• 규제 준수 및 리스크 관리 : 디지털 대출 플랫폼이 현행 규제를 준수해야 할 필요성이 높아짐에 따라 온라인 대출 플랫폼의 이용이 촉진될 가능성이 높습니다. 데이터 보호법, 자금세탁방지법, 소비자 금융 가이드라인을 준수하는 데 중점을 두어 리스크를 줄이고 책임감 있는 대출 관행을 보장할 수 있습니다.

목차

제1장 디지털 대출 플랫폼 세계 시장 소개

• 시장 소개
• 조사 범위
• 가정

제2장 주요 요약

제3장 VERIFIED MARKET RESEARCH 조사 방법

• 데이터 마이닝
• 검증
• 1차 자료
• 데이터 소스 리스트

제4장 디지털 대출 플랫폼 세계 시장 전망

• 개요
• 시장 역학
  • 성장 촉진요인
  • 성장 억제요인
  • 기회
• Porter's Five Forces 모델
• 밸류체인 분석

제5장 디지털 대출 플랫폼 세계 시장 : 제공별

• 개요
• 솔루션
• 서비스

제6장 디지털 대출 플랫폼 세계 시장 : 전개 형태별

• 개요
• 클라우드 기반
• 온프레미스

제7장 디지털 대출 플랫폼 세계 시장 : 최종사용자별

• 개요
• 은행
• 신용조합
• 비은행 금융기관

제8장 디지털 대출 플랫폼 세계 시장 : 지역별

• 개요
• 북미
  • 미국
  • 캐나다
  • 멕시코
• 유럽
  • 독일
  • 영국
  • 프랑스
  • 기타 유럽
• 아시아태평양
  • 중국
  • 일본
  • 인도
  • 기타 아시아태평양
• 기타
  • 라틴아메리카
  • 중동 및 아프리카

제9장 세계의 디지털 대출 플랫폼 시장 경쟁 구도

• 개요
• 각사의 시장 순위
• 주요 개발 전략

제10장 기업 개요

• Fiserv
• ICE Mortgage Technology
• FIS
• Newgen Software
• Temenos AG
• Nucleus Software
• Temenos
• Pega
• Sigma Infosolutions
• Intellect Design Arena

제11장 주요 개발

• 제품 출시/개발
• 인수합병
• 사업 확대
• 파트너십과 제휴

제12장 부록

• 관련 조사

ksm

영문 목차

영문목차

Digital Lending Platform Market Size And Forecast

Digital Lending Platform Market size was valued at USD 29.05 Billion in 2024 and is projected to reach USD 104.04 Billion By 2032, growing at a CAGR of 17.29% from 2026 to 2032.

• A digital lending platform provides borrowers with a seamless and convenient way to apply for loans, upload required documents, receive instant approvals, and manage their loan accounts online. Lenders utilize these platforms to automate underwriting processes, assess credit risk using advanced algorithms and machine learning models, and efficiently manage loan portfolios.
• Digital lending platforms enable consumers to apply for personal loans, auto loans, or credit lines entirely online, reducing the time and effort required for loan processing. While traditionally a complex and paper-intensive process, mortgage lending is being transformed by digital platforms that offer online applications, document uploads, and real-time status updates
• Furthermore, digital platforms streamline the application and disbursement of student loans, providing students with easier access to education financing options. Integration with emerging technologies like blockchain, artificial intelligence, and open banking APIs will further enhance the capabilities of digital lending platforms, enabling faster, more secure, and more personalized lending experiences.

Global Digital Lending Platform Market Dynamics

The key market dynamics that are shaping the digital lending platform include:

Key Market Drivers:

• Increasing Adoption of Digital Banking Services: The growing digitalization of banking services is a significant driver of the digital lending platform market. According to the World Bank's Global Findex Database 2021, the proportion of adults in emerging nations adopting digital payments has risen from 35% in 2014 to 57% in 2021. This spike in digital banking use is driving financial institutions to develop advanced digital lending systems to match client expectations and streamline lending procedures.
• Growing Demand for Faster Loan Processing: Consumers and businesses alike want faster loan approvals and disbursements, increasing the demand for efficient digital lending platforms. According to research published by the Federal Reserve Bank of New York, the average time to execute a mortgage application in 2021 was 49 days, down from 52 days in 2020. This trend toward faster processing times is encouraging lenders to adopt digital platforms that can significantly reduce loan approval times.
• Rise of Alternative Lending Models: The rise of peer-to-peer lending and other alternative lending methods is driving the expansion of the digital lending platform market. According to a survey from the Cambridge Centre for Alternative Finance, the worldwide alternative finance market volume hit USD 304.5 Billion in 2018, with digital lending platforms accounting for a sizable chunk. The expansion of alternative lending is encouraging both traditional and non-traditional lenders to invest in strong digital lending infrastructures.

Key Challenges:

• Data Security Issues: The cyberattacks like phishing, malware, and DDoS faced by the digital lending platform are likely to disrupt operations, compromise user accounts, and steal sensitive data. To mitigate these risks, platforms should implement robust cybersecurity measures like encryption, multi-factor authentication, and intrusion detection systems.
• Challenges with infrastructure and network connectivity: The legacy telecom infrastructures in developing countries are insufficient for high-capacity connectivity and low latency, leading to unsatisfactory customer experiences and lower service quality. Thus, digital lending companies dependent on high-speed internet and online services are projected to struggle to implement these solutions. Despite lengthy approval delays, businesses in these countries rely more on offline lending solutions for better understanding and customer experiences.
• Reliance on Conventional Financing Techniques: Many businesses prefer traditional loan methods due to their time-consuming and tedious nature, and are unable to adopt innovations due to their established credit underwriting procedures and customer base. The lack of knowledge and training in digital lending and advanced solutions also contributes to less adoption.

Key Trends:

• Rise of Neobanks and Fintech Lenders: Neobanks and fintech lenders are revolutionizing the traditional banking market with advanced digital lending products. They offer customized loan solutions, attractive interest rates, and user-friendly experiences using data analytics, digital-first initiatives, and customer-centric strategies. They often collaborate with digital lending platforms to expand their offerings.
• Focus on Financial Inclusion: The use of data from utility bill payments, rental history, and transactional data to assess creditworthiness by DAM is projected to create lucrative opportunities for the market. They offer microloans, and small-dollar loans, to individuals and small businesses with limited financial resources. These platforms provide online loan application and approval processes, eliminating the need for physical bank branches or offices, and enabling them to access funds for essential expenses, emergencies, or business growth initiatives.
• Regulatory Compliance and Risk Management: The growing need for compliance of digital lending platforms with the current regulations is likely to enhance the use of online load platforms. The focus on abiding by data protection laws, anti-money laundering regulations, and consumer lending guidelines helps to mitigate risks and ensure responsible lending practices.

Global Digital Lending Platform Market Regional Analysis

Here is a more detailed regional analysis of the digital lending platform market:

North America:

• North America is estimated to dominate the digital lending platform market during the forecast period. North America leads in digital banking adoption, which fuels demand for digital lending platforms. According to the Federal Reserve's "Report on the Economic Well-Being of U.S. Households in 2021," 78% of American adults utilized online banking in 2021, compared to 76% in 2020. This high adoption rate creates an ideal environment for digital lending companies to flourish.
• The region's thriving fintech sector is a significant driver of digital lending platform expansion. According to KPMG, overall fintech investment in the Americas reached $168.3 billion in 2021, with loan technology accounting for a sizable percentage of that figure. This considerable investment promotes innovation and acceptance of modern digital lending solutions throughout the region.
• Furthermore, supportive policies have accelerated the deployment of digital lending platforms. According to the US Office of the Comptroller of the Currency (OCC), by 2021, 48% of banks have formed new third-party connections with fintech companies to improve their digital lending capabilities. This regulatory climate pushes traditional lenders to collaborate with or implement fintech solutions, which benefits the digital lending platform market.

Asia Pacific:

• The Asia Pacific region is estimated to exhibit the highest growth within the market during the forecast period. The Asia Pacific region is experiencing an increase in smartphone penetration and internet access, offering an ideal environment for digital lending platforms. According to GSMA's "The Mobile Economy Asia Pacific 2023" research, smartphone use in the region is predicted to increase to 83% by 2025, up from 75% in 2022. This increased connectivity allows millions of previously unbanked people to access digital financial services, accelerating the rise of digital lending platforms.
• A large section of the Asia Pacific region's population is still unbanked or underbanked, creating a big opportunity for digital lending services. According to the World Bank's Global Findex Database 2021, over 30% of adults (510 million individuals) in South Asia lack a bank account. This untapped market is driving the rapid adoption of alternative lending solutions, particularly mobile-based platforms that can reach remote regions.
• Furthermore, many governments in the Asia-Pacific region are aggressively promoting digital financial services to boost financial inclusion. For example, India's Unified Payments Interface (UPI) has experienced tremendous growth. According to the National Payments Corporation of India, UPI transactions climbed from 0.29 billion in 2016-17 to 91.68 billion in 2022-23, a remarkable increase of almost 31,000%. These government-backed measures are providing a favorable climate for digital lending companies to thrive.

Global Digital Lending Platform Market: Segmentation Analysis

The Digital Lending Platform Market is segmented based on Offering, End-User, Deployment Mode, and Geography.

Digital Lending Platform Market, By Offering

• Solutions
• Services

Based on Offering, the market is segmented into Solutions and Services. The service segment is estimated to dominate the market during the forecast period. The market's services are categorized into implementation, support, and maintenance services, as well as consultancy. These services help businesses to identify the best solution, integrate it with their existing infrastructure, maintain and support it, and resolve any issues that may arise over time.

Digital Lending Platform Market, By Deployment Mode

• Cloud-Based
• On-Premises

Based on Deployment Mode, the market is segmented into Cloud-Based and On-Premises. The on-premises segment is estimated to dominate the market during the forecast period. Financial institutions are opting for these systems to mitigate cyber risks caused by increasing data breaches and cyberattacks. The advantage of on-premise systems is that companies can select the necessary adjustments and maintain complete control over their data. Additionally, the total cost of ownership is lower with on-premise deployment.

Digital Lending Platform Market, By End-User

• Banks
• Credit Unions
• NBFCs

Based on End-User, the Digital Lending Platform Market is divided into Banks, Credit Unions, and NBFCs. The bank segment is estimated to dominate the market during the forecast period. The anticipated growth in this market will result from banks' increasing emphasis on digitizing their financial services. Strict laws and positive programs being undertaken by the governments of developed and developing nations are also pushing banks to use digital lending platforms to improve customer service. Banks are usually able to guarantee loan process transparency using digital lending platforms.

• Digital Lending Platform, By Geography
• North America
• Europe
• Asia Pacific
• Rest of the World

Based on Geography, the market is divided into North America, Europe, Asia Pacific, and Rest of the World. The Asia Pacific region is estimated to exhibit the highest growth within the market during the forecast period. Digital loan solutions are becoming more and more popular in the area because of government programs that support digital infrastructure. Globalization, digitization, fast economic growth, and the rising number of smartphones are all projected to contribute to APACS being the fastest-growing market. Developing innovative lending tools and technologies that will help automate, streamline, and manage the whole loan processing life cycle is the main emphasis of leading digital lending suppliers like Newgen Software, Nucleus Software, and Intellect Design Arena. Additionally, the suppliers are currently working on blockchain, artificial intelligence, machine learning, and analytics-based solutions to deliver a complete digital lending platform.

Key Players

• The "Digital Lending Platforms" study report will provide valuable insight with an emphasis on the global market. The major players in the market are Fiserv, ICE Mortgage Technology, FIS, Newgen Software, Nucleus Software, Temenos, Pega, Sigma Infosolutions, Intellect Design Arena, Tavant, Docutech, Cu Direct, Abrigo, Wizni, Built Technologies, Tumkey Lenders, Decimal Technologies, TCS, Wipro, SAP, Oracle, BNY Mellon, HES Fintech, ARGO, Symitar, EdgeVerv, and Black Knight.

Our market analysis also entails a section solely dedicated to such major players wherein our analysts provide an insight into the financial statements of all the major players, along with product benchmarking and SWOT analysis.

• Digital Lending Platform Market Recent Developments
• In May 2020, FIS launched the FIS Portal aimed at simplifying and automating PPP loan forgiveness for small businesses, using the FIS Real-time Lending Platform.
• In September 2023, the bitcoin exchange company Coinbase Global made public its intention to introduce a digital asset loan platform, targeting large institutional investors in particular.
• In July 2021, Newgen Software introduced NewgenONE, a new platform for digital transformation. The platform facilitates the management of unstructured data and enhances client interaction.
• In November 2022, ICICI Bank introduced "iLens," a lending platform powered by TCS. An industry-first solution, "iLens," provides seamless onboarding of customers with limited data entry, paperless login, and digital credit assessment of the borrower. It also digitizes the entire lending process for everyone, including new customers to banks.

TABLE OF CONTENTS

1 INTRODUCTION OF GLOBAL DIGITAL LENDING PLATFORM MARKET

• 1.1 Introduction of the Market
• 1.2 Scope of Report
• 1.3 Assumptions

2 EXECUTIVE SUMMARY

3 RESEARCH METHODOLOGY OF VERIFIED MARKET RESEARCH

• 3.1 Data Mining
• 3.2 Validation
• 3.3 Primary Interviews
• 3.4 List of Data Sources

4 GLOBAL DIGITAL LENDING PLATFORM MARKET OUTLOOK

• 4.1 Overview
• 4.2 Market Dynamics
  • 4.2.1 Drivers
  • 4.2.2 Restraints
  • 4.2.3 Opportunities
• 4.3 Porters Five Force Model
• 4.4 Value Chain Analysis

5 GLOBAL DIGITAL LENDING PLATFORM MARKET, BY OFFERING

• 5.1 Overview
• 5.2 Solutions
• 5.3 Services

6 GLOBAL DIGITAL LENDING PLATFORM MARKET, BY DEPLOYMENT MODE

• 6.1 Overview
• 6.2 Cloud-Based
• 6.3 On-Premises

7 GLOBAL DIGITAL LENDING PLATFORM MARKET, BY END-USER

• 7.1 Overview
• 7.2 Banks
• 7.3 Credit Unions
• 7.4 NBFCs

8 GLOBAL DIGITAL LENDING PLATFORM MARKET, BY GEOGRAPHY

• 8.1 Overview
• 8.2 North America
  • 8.2.1 U.S.
  • 8.2.2 Canada
  • 8.2.3 Mexico
• 8.3 Europe
  • 8.3.1 Germany
  • 8.3.2 U.K.
  • 8.3.3 France
  • 8.3.4 Rest of Europe
• 8.4 Asia Pacific
  • 8.4.1 China
  • 8.4.2 Japan
  • 8.4.3 India
  • 8.4.4 Rest of Asia Pacific
• 8.5 Rest of the World
  • 8.5.1 Latin America
  • 8.5.2 Middle East and Africa

9 GLOBAL DIGITAL LENDING PLATFORM MARKET COMPETITIVE LANDSCAPE

• 9.1 Overview
• 9.2 Company Market Ranking
• 9.3 Key Development Strategies

10 COMPANY PROFILES

• 10.1 Fiserv
  • 10.1.1 Overview
  • 10.1.2 Financial Performance
  • 10.1.3 Product Outlook
  • 10.1.4 Key Developments
• 10.2 ICE Mortgage Technology
  • 10.2.1 Overview
  • 10.2.2 Financial Performance
  • 10.2.3 Product Outlook
  • 10.2.4 Key Developments
• 10.3 FIS
  • 10.3.1 Overview
  • 10.3.2 Financial Performance
  • 10.3.3 Product Outlook
  • 10.3.4 Key Developments
• 10.4 Newgen Software
  • 10.4.1 Overview
  • 10.4.2 Financial Performance
  • 10.4.3 Product Outlook
  • 10.4.4 Key Developments
• 10.5 Temenos AG
  • 10.5.1 Overview
  • 10.5.2 Financial Performance
  • 10.5.3 Product Outlook
  • 10.5.4 Key Developments
• 10.6 Nucleus Software
  • 10.6.1 Overview
  • 10.6.2 Financial Performance
  • 10.6.3 Product Outlook
  • 10.6.4 Key Developments
• 10.7 Temenos
  • 10.7.1 Overview
  • 10.7.2 Financial Performance
  • 10.7.3 Product Outlook
  • 10.7.4 Key Developments
• 10.8 Pega
  • 10.8.1 Overview
  • 10.8.2 Financial Performance
  • 10.8.3 Product Outlook
  • 10.8.4 Key Developments
• 10.9 Sigma Infosolutions
  • 10.9.1 Overview
  • 10.9.2 Financial Performance
  • 10.9.3 Product Outlook
  • 10.9.4 Key Developments
• 10.10 Intellect Design Arena
  • 10.10.1 Overview
  • 10.10.2 Financial Performance
  • 10.10.3 Product Outlook
  • 10.10.4 Key Developments

11 KEY DEVELOPMENTS

• 11.1 Product Launches/Developments
• 11.2 Mergers and Acquisitions
• 11.3 Business Expansions
• 11.4 Partnerships and Collaborations

12 Appendix

• 12.1 Related Research

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