핀테크용 인공지능(AI) 시장 규모는 2024년에 79억 8,000만 달러로 평가되며, 2026-2032년에 21.37%의 CAGR로 성장하며, 2032년에는 327억 6,000만 달러에 달할 것으로 예측됩니다.
전략적 시장 제휴가 증가함에 따라 부정행위에 대응하는 자동화된 첨단 기술 및 기계의 개발 및 성장에 할당되는 자금이 증가하고 있습니다. 또한 연구개발 활동에 대한 투자 수준이 높아짐에 따라 정보 기술 발전의 길이 열릴 것으로 보입니다. 핀테크용 인공지능(AI) 세계 시장 보고서는 시장의 전반적인 평가를 담고 있습니다. 주요 부문, 동향, 시장 성장 촉진요인, 경쟁 구도 시장에서 중요한 역할을 하는 요인 등을 종합적으로 분석합니다.
세계 핀테크용 인공지능(AI) 시장 정의
금융 기술(Fintech)은 투자 및 은행 업무를 자동화하거나 개선하기 위해 금융 서비스에 최신 기술을 적용하는 것을 말합니다. 인공지능(AI)은 디지털 뱅킹 채널을 통해 부정행위를 감지하고 방지하기 위해 금융기관에서 광범위하게 활용되고 있습니다. 디지털 대출, 모바일 뱅킹, 신용 점수, 보험, 매매 업무, 자산관리 등을 포함하며, AI 기술은 고객의 커뮤니케이션 방식을 모니터링하고 거래를 고려하여 고객의 일반적인 행동을 결정할 수 있습니다.
금융 비즈니스에서 프로세스 자동화에 대한 수요 증가는 발전에 기여하고 있습니다. 마찬가지로 인지 프로세스 자동화는 AI가 더 복잡한 자동화 프로세스를 실행할 수 있도록 돕습니다. 핀테크에서 AI와 MI(머신러닝)의 광범위한 사용으로 AI는 단기간에 금융 서비스의 중요한 부분이 되었습니다. 또한 머신러닝과 인공지능 기술의 통합이 진행됨에 따라 시장에 대한 이점이 더욱 입증될 것으로 예측됩니다.
세계 핀테크용 인공지능(AI) 시장 개요
금융기관과 핀테크의 사기 감지 요구사항이 핀테크용 인공지능(AI) 시장 성장에 박차를 가하고 있습니다. 머신러닝, 즉 인공지능 알고리즘은 수집된 정보로부터 새로운 데이터를 학습할 수 있으며, AI가 조작하는 데이터가 많을수록 더 많은 AI를 학습할 수 있고, 은행은 AI 기술을 통해 더 깊은 인사이트를 얻을 수 있습니다. 알고리즘이 시간이 지남에 따라 더 많은 데이터를 수집하고 그 사용 방법에 대해 더 많은 것을 학습하는 것입니다. 그 장점은 AI를 도입하는 순간부터 시작되며, 기여를 중단하지 않고 계속 발전할 수 있다는 것입니다.
영국 금융 서비스 공급업체 프라이스워터하우스쿠퍼스(PricewaterhouseCoopers)가 2022년 실시한 조사에 따르면 지난 24개월 동안 부패, 사기 및 기타 경제 범죄가 발생했다고 밝혔습니다. 조사 대상 조직의 46%에서 발생했다고 밝혔습니다. 핀테크의 사기 감지 요구사항은 핀테크의 AI 시장을 촉진할 것입니다. 그러나 제한된 기술 전문 지식과 함께 여러 규제 준수 사항이 증가함에 따라 시장 성장에 한계가 있습니다. 마찬가지로 핀테크 분야의 인공지능을 개발할 수 있는 숙련된 인력의 부족도 시장 성장의 폭을 좁힐 것으로 예측됩니다.
도시화, 세계화, 현대화는 시장 규모의 성장을 가속합니다. 즉, 특히 신흥 경제국에서 중소기업이 인프라를 구축하기 위해 클라우드 기반 방화벽의 이점에 대한 인식이 높아지면서 많은 개발 기회를 창출할 수 있는 것으로 나타났습니다. 또한 산업 인프라의 부상과 서비스를 제공하는 벤더의 수가 적고, 설치 간소화 및 정책의 중앙 집중식 관리의 채택 확대, 조직 데이터세트의 대용량화 등도 시장 성장 촉진요인으로 작용하고 있습니다.
Artificial Intelligence (AI) In Fintech Market size was valued at USD 7.98 Billion in 2024 and is projected to reach USD 32.76 Billion by 2032, growing at a CAGR of 21.37% from 2026-2032.
The growing number of strategic market collaborations has resulted in an increase in funds to be allocated for the development and growth of automated and advanced technology/ machinery against fraudulent activities. Moreover, a rise in the level of investment for research and development activities would carve the way for advances in information technology. The Global Artificial Intelligence (AI) In Fintech Market report provides a holistic evaluation of the market. The report offers a comprehensive analysis of key segments, trends, drivers, restraints, competitive landscape, and factors that are playing a substantial role in the market.
Global Artificial Intelligence (AI) In Fintech Market Definition
Financial Technology, or Fintech, employs modern technology in financial services to automate or improve investing and banking activities. Artificial intelligence (AI) is broadly used in financial organizations to detect and avoid fraud through digital banking channels. Digital loans, mobile banking, credit scores, insurance, selling and purchasing operations, and asset management are all included. AI technology can decide a customer's typical behavior by monitoring how they communicate and considering their transactions.
The growing demand for process automation in financial businesses contributes to the development of the market. Likewise, cognitive process automation aids AI in performing even more complex automation processes. Owing to the broad usage of AI and MI (machine learning) in fintech, it has become a vital part of financial services within a short time. Additionally, the growing integration of machine learning and artificial intelligence technologies will further prove to be a benefit for the market.
Global Artificial Intelligence (AI) In Fintech Market Overview
The requirement for fraud detection in financial institutions or fintech is adding to the growth of Artificial Intelligence (AI) In Fintech Market. Machine learning, or artificial intelligence algorithms, can learn new data from the information collected, the more data which AI manipulates, the more AI can be learned, and the banks can obtain deeper insights with AI technology. The main advantage of AI is that over time the algorithm builds on gathering more data and learning more regarding how to use it. The benefit is that it starts the moment the AI is installed and continues to develop without interruption of contribution.
As per PricewaterhouseCoopers's survey in 2022, a UK-based financial service supplier, in the previous 24 months, corruption, fraud, or other economic crimes were stated by 46% of the organizations polled. The requirement for fraud detection in fintech boosts the market for AI in fintech. However, the growing number of multiple regulatory compliances together with limited technical expertise will create limitations for the growth of the market. Similarly, the lack of skilled workers to develop artificial intelligence in fintech is expected to narrow down the scope of market growth.
Growing urbanization, globalization, and modernization boost market value growth. In other words, rising awareness regarding the benefits of cloud-based firewalls amongst small and medium size enterprises particularly in emerging economies to develop the infrastructure will offer many opportunities for the development of the market. Additionally, rising industrial infrastructure and the prevalence of a low number of vendors providing services, the growing adoption of simplified installation and centralized policy management, and the larger volume of the organizational data set are other market growth drivers.
The Global Artificial Intelligence (AI) In Fintech Market is segmented on the basis of Offering, Application, Deployment, And Geography.
Based on Offering, The market is bifurcated into Services and Solutions. The Solutions segment dominated the market for Artificial Intelligence in Fintech in 2021. The high share can be owing to software tools, as they help in deploying AI-enabled solutions in the banking sector to extract complete and correct data with a considerable amount of data and on time. Some companies' solutions help businesses in doing things, such as increasing the retail banking industry with next-best-action software, enhancing client connections with multichannel consumer experience solutions, and detecting & combating financial fraud.
Based on Application, The market is segmented into Virtual Assistant (Chatbots), Business Analytics and Reporting, Customer Behavioural Analytics, Fraud Detection, Quantitative and Asset Management, and Others. The On-premise segment dominated the market for Artificial Intelligence in Fintech in 2021. Business analytics and reporting help in compliance and regulatory management and consumer behavior analysis. The segment's rise can be owing to various factors, including more informed decision-making, increased operational efficiency, and increased revenue. Various companies use big data, AI, and business analytics to make better business decisions.
Based on Deployment, The market is bifurcated into Cloud and On-Premise. The On-premise segment dominated the market for Artificial Intelligence in Fintech in 2021. On-premise deployment helps enterprises in installing services or software on a financial institution's systems or premises. Artificial intelligence is still in its developing stage and its impact may be more important in the near future. With the adoption of AI in the finance industry, several startups are giving tough competition to big players. Remarkable growth is projected in the fintech sector with the development of other technologies, such as cybersecurity and blockchain along with AI.
Based on Regional Analysis, the Global Artificial Intelligence (AI) In Fintech Market is classified into North America, Europe, Asia Pacific, Latin America, the Middle East, and Africa. The North American region has the greatest market share and is expected to grow at the highest CAGR over the forecast period. 2021. This high share can be owing to a strong focus on R&D-derived inventions in the developed nations of the U.S. and Canada. Moreover, as market conditions become growingly challenging, AI has the potential to help to sustain FinTech and drive new growth by generating operating efficiencies and transforming the consumer experience through more hyper-personalized products and insights.
The "Global Artificial Intelligence (AI) In Fintech Market" study report will provide valuable insight with an emphasis on the global market. The major players in the market are Microsoft Corporation, Google, Salesforce Inc., IBM Corporation, Intel Corporation, Airtrends, Amazon Web Services, EdgeVerve Systems Limited, Inbenta Technologies, IPsoft, Nuance Communication, Samsung, Next IT Corporation, and Comply Advantages.
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. The competitive landscape section also includes key development strategies, market share, and market ranking analysis of the above-mentioned players globally.