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デジタル融資プラットフォーム市場:ソリューション毎(ローン設定、意思決定自動化、ポートフォリオ管理、リスク・法令順守管理、ローン管理、事業プロセス管理)、サービス毎、採用モード毎、産業毎、地域毎 - 2023年までの世界市場予測

Digital Lending Platform Market by Solution (Loan Origination, Decision Automation, Portfolio Management, Risk & Compliance Management, Loan Management, Business Process Management), Service, Deployment Mode, Vertical, and Region - Global Forecast to 2023

 

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MarketsandMarkets
マーケッツアンドマーケッツ
2018年11月US$5,650
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幅広い市場に関する調査レポートを出版しているマーケッツアンドマーケッツ(MarketsandMarkets)のデジタル融資プラットフォーム市場に関する調査レポートです。

Growing adoption of digital technologies with an increasing use of smartphones for banking applications to drive the digital lending platform market

The global digital lending platform market size is expected to grow from USD 5.1 billion in 2018 to USD 12.1 billion by 2023, at a Compound Annual Growth Rate (CAGR) of 18.7% during the forecast period. Major growth factors for the market include proliferation of smartphones and mobile devices and organizations’ continued focus on digitalization of financial services to enhance customer experience. However, lack of digital literacy among the under developed countries and increasing concerns over data security and privacy in the wake of sophisticated cyber-attacks may restrain the market growth.

Decision automation segment to grow at the highest CAGR during the forecast period

The decision automation segment is expected to grow at the highest CAGR in the digital lending platform market during the forecast period. Decision automation is a vital solution for digital lending users, such as banks, credit unions, and P2P lenders, as it helps in automating the decision process of approving or rejecting a loan application.

The growing digital banking sector and an increasing need for enhancing customer experience in the digital lending process could spur the demand for decision management solutions on a large scale.

Business process management segment to account for the largest market size during the forecast period
The business process management segment is expected to hold the largest market size during the forecast period. Business proces management solutions are important for digital lending organizations, as the solutions enhance the efficeiency of business processes by optimizing them through the use of software and services. Lending organizations and financial institutions are moving toward solutions that can manage the growing complexities arising from the complex business processes. The demand for business process management solutions in the financial industry has surged, due to the complexity involved in integrating operations and these solutions could help solve complex operations.

North America to account for the largest market share, whereas Asia Pacific to grow at the highest CAGR

North America is estimated to hold the largest market size and dominate the global digital lending platform market in 2018. The major growth drivers for the region include advancements in digital technologies and organizations’ increasing focus on digitalizing their financial services. Large presence of vendors offering digital lending platforms will further contribute to the market growth in North America. Asia Pacific (APAC) offers growth opportunities for the major vendors offering digital lending solutions and services, as APAC organizations are adopting digital lending solutions owing to the complexity in handling the huge client base through legacy lending systems. Moreover, the unprecedented growth of smartphone usage in APAC and the financial institutions’ focus on monetizing the opportunity for digitalizing their lending services will also contribute to the growth of the APAC digital lending platform market.

In-depth interviews were conducted with Chief Executive Officers (CEOs), marketing directors, other innovation and technology directors, and executives from key organizations operating in the digital lending platform marketplace.

• By Company: Tier 1 – 20%, Tier 2 – 55%, and Tier 3 – 25%
• By Designation: C-level – 50%, Director level – 25%, and Others – 25%
• By Region: North America – 45%, Europe – 25%, APAC – 20%, MEA – 5%, Latin America-5%

Major vendors in the digital lending platform market include Tavant Technologies (US), Ellie Mae (US), Fiserv (US), RupeePower (India), Newgen Software (India), Intellect Design Arena (India), Finastra (UK), Nucleus Software Exports (Nucleus Software; India), Sigma Infosolutions (US), Finantix S.p.A (Finantix; Italy), Symitar Systems Inc (Symitar; US), Temenos Group (Temenos; Switzerland), Built Technologies (US), TurnKey Lender (Singapore), Argo (US), FIS Global (FIS; US), Pegasystems (US), Docutech (US), CU Direct Corporation (CU Direct; US), Mambu (Germany), Decimal Technologies Pvt. Ltd. (Decimal Technologies; India), Sageworks (US), Roostify (US), Juris Technologies (Malaysia), and HiEnd Systems (Belarus).

Research Coverage

The market study covers the digital lending platform market across segments. It aims at estimating the market size and the growth potential of this market, across segments, such as component, solutions, services, deployment mode, vertical, and region. The study also includes an in-depth competitive analysis of the key players in the market, along with their company profiles, key observations related to product and business offerings, recent developments, and key market strategies.

Key Benefits of Buying the Report

The report will help the market leaders/new entrants in this market with information on the closest approximations of the revenue numbers for the overall digital lending platform market and the subsegments. It will help stakeholders understand the competitive landscape and gain more insights to better position their businesses and to plan suitable go-to-market strategies. The report also helps stakeholders understand the pulse of the market and provides them with information on key market drivers, restraints, challenges, and opportunities.
 



目次

1 INTRODUCTION 19
1.1 OBJECTIVES OF THE STUDY 19
1.2 MARKET DEFINITION 19
1.3 MARKET SEGMENTATION 20
1.4 YEARS CONSIDERED FOR THE STUDY 20
1.5 CURRENCY 21
1.6 STAKEHOLDERS 21
2 RESEARCH METHODOLOGY 22
2.1 RESEARCH DATA 22
2.1.1 SECONDARY DATA 23
2.1.2 PRIMARY DATA 24
2.1.2.1 Breakup of primaries 24
2.1.2.2 Key industry insights 25
2.2 MARKET BREAKUP AND DATA TRIANGULATION 26
2.3 MARKET SIZE ESTIMATION 26
2.3.1 BOTTOM-UP APPROACH 27
2.3.2 TOP-DOWN APPROACH 27
2.4 ASSUMPTIONS FOR THE STUDY 28
2.5 RESEARCH LIMITATIONS 28
3 EXECUTIVE SUMMARY 29
4 PREMIUM INSIGHTS 33
4.1 ATTRACTIVE MARKET OPPORTUNITIES IN THE DIGITAL LENDING PLATFORM MARKET 33
4.2 DIGITAL LENDING PLATFORM MARKET: MARKET SHARE OF MAJOR SEGMENTS IN NORTH AMERICA 34
4.3 DIGITAL LENDING PLATFORM MARKET, BY SOLUTION, 2018 34
4.4 DIGITAL LENDING PLATFORM MARKET, BY COUNTRY, 2018 35
4.5 MARKET INVESTMENT SCENARIO 35
5 MARKET OVERVIEW 36
5.1 INTRODUCTION 36
5.2 MARKET DYNAMICS 36
5.2.1 DRIVERS 37
5.2.1.1 High proliferation of smartphones and growth in digitalization 37
5.2.1.2 Need for better customer experience 38
5.2.1.3 Stringent government rules and regulations for digital lending 39

5.2.2 RESTRAINTS 39
5.2.2.1 Higher dependency on traditional lending methods 39
5.2.3 OPPORTUNITIES 40
5.2.3.1 Rise in the adoption of AI, machine learning, and blockchain- based digital lending platforms and solutions 40
5.2.3.2 Increase in the demand of advanced digital lending solutions for retail banking 40
5.2.4 CHALLENGES 41
5.2.4.1 Data security and privacy concerns due to increasing cyber-attacks 41
5.2.4.2 Lack of digital literacy in underdeveloped countries 41
5.3 REGULATORY IMPLICATIONS 42
5.3.1 GENERAL DATA PROTECTION REGULATION (GDPR) 42
5.3.2 PAYMENT CARD INDUSTRY DATA SECURITY STANDARD (PCI DSS) 42
5.3.3 PAYMENT SERVICES DIRECTIVE 2 (PSD2) 42
5.3.4 KNOW YOUR CUSTOMER (KYC) 43
5.3.5 ANTI-MONEY LAUNDERING (AML) 43
5.3.6 ELECTRONIC IDENTIFICATION, AUTHENTICATION,
AND TRUST SERVICES (EIDAS) 43
5.3.7 HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT (HIPAA) 43
5.3.8 FEDERAL INFORMATION SECURITY MANAGEMENT ACT (FISMA) 43
5.3.9 GRAMM-LEACH-BLILEY ACT (GLBA) 44
5.3.10 SARBANES-OXLEY ACT (SOX) 44
5.4 USE CASES 44
5.4.1 ADOPTION OF DIGITAL LENDING SOLUTIONS IN THE BANKING INDUSTRY TO UNIFY LOAN PROCESSES 44
5.4.2 IMPLEMENTATION OF DIGITAL LENDING SOLUTIONS IN INSURANCE COMPANIES 44
5.4.3 DEPENDENCE OF FINANCIAL SERVICES COMPANIES ON DIGITAL LENDING SOLUTIONS 45
5.4.4 ADOPTION OF LOAN ORIGINATION SOLUTION AMONG RETAIL BANKS 45
5.4.5 LARGE-SCALE ADOPTION OF DIGITAL LENDING SOLUTIONS FOR COMMERCIAL BANKING 45
5.5 INNOVATION SPOTLIGHT 45
5.5.1 FIDOR SOLUTIONS 45
6 DIGITAL LENDING PLATFORM MARKET, BY COMPONENT 46
6.1 INTRODUCTION 47
6.2 SOLUTIONS 48
6.2.1 ASIA PACIFIC TO WITNESS THE HIGHEST GROWTH RATE IN THE SOLUTIONS SEGMENT 48
6.3 SERVICES 49
6.3.1 NORTH AMERICA TO RECORD THE LARGEST MARKET SIZE IN THE SERVICES SEGMENT IN 2018 49

7 DIGITAL LENDING PLATFORM MARKET, BY SOLUTION 50
7.1 INTRODUCTION 51
7.2 LOAN ORIGINATION 52
7.2.1 NEED TO STREAMLINE THE END-TO-END LOAN LIFE CYCLE TO INCREASE ADOPTION OF LOAN ORIGINATION SOLUTION IN THE DIGITAL LENDING PLATFORM MARKET 52
7.3 DECISION AUTOMATION 53
7.3.1 RISING NEED OF DECISION AUTOMATION SOLUTION TO AUTOMATE THE OVERALL LOAN APPROVAL PROCESS 53
7.4 PORTFOLIO MANAGEMENT 54
7.4.1 INCREASING USE OF PORTFOLIO MANAGEMENT SOLUTION ACROSS BANKS FOR MANAGING LOAN PORTFOLIOS 54
7.5 LOAN SERVICING 55
7.5.1 NEED FOR LOAN SERVICING SOLUTION TO FUEL THE GROWTH OF DIGITAL LENDING SOLUTIONS 55
7.6 RISK AND COMPLIANCE MANAGEMENT 56
7.6.1 CRITICAL NEED FOR RISK AND COMPLIANCE MANAGEMENT SOLUTION TO STREAMLINE ACCOUNTING OPERATIONS ACROSS VERTICALS 56
7.7 LOAN MANAGEMENT 57
7.7.1 USE OF LOAN MANAGEMENT SOLUTION TO EASE THE ENTIRE LOAN LIFE CYCLE MANAGEMENT ACROSS THE BANKING SECTOR 57
7.8 BUSINESS PROCESS MANAGEMENT 58
7.8.1 NEED FOR BUSINESS PROCESS MANAGEMENT SOLUTION IN THE FINANCIAL INDUSTRY DRIVING THE GROWTH OF DIGITAL LENDING PLATFORM MARKET 58
7.9 OTHERS 59
8 DIGITAL LENDING PLATFORM MARKET, BY SERVICE 60
8.1 INTRODUCTION 61
8.2 DESIGN AND IMPLEMENTATION 62
8.2.1 NORTH AMERICA TO HAVE THE LARGEST MARKET SIZE IN THE DESIGN AND IMPLEMENTATION SEGMENT IN 2018 62
8.3 TRAINING AND EDUCATION 63
8.3.1 EUROPE TO WITNESS THE HIGHEST GROWTH RATE IN THE TRAINING AND EDUCATION SEGMENT OWING TO THE INCREASING NEED FOR ASSISTANCE DURING IMPLEMENTATION 63
8.4 RISK ASSESSMENT 64
8.4.1 INCREASING COMPLEXITY OF CYBER AND FINANCIAL RISKS GENERATING THE NEED FOR RISK ASSESSMENT SERVICES 64
8.5 CONSULTING 65
8.5.1 INCREASING AWARENESS OF COMPLIANCE REQUIREMENTS IN THE FINANCIAL INDUSTRY DRIVING THE GROWTH OF CONSULTING SERVICES 65
8.6 SUPPORT AND MAINTENANCE 66
8.6.1 INCREASING NEED FOR ASSISTANCE ON UPGRADES AND TECHNICAL SUPPORT AND IMPLEMENTATION DRIVING THE GROWTH OF SUPPORT AND MAINTENANCE SERVICES 66
9 DIGITAL LENDING PLATFORM MARKET, BY DEPLOYMENT MODE 67
9.2 INTRODUCTION 68
9.3 CLOUD 69
9.3.1 INCREASING NEED TO REDUCE THE OPERATIONAL COST LEADING TO THE GROWTH OF CLOUD-BASED DIGITAL LENDING PLATFORM 69
9.4 ON-PREMISES 70
9.4.1 LARGE ENTERPRISES DEPLOY ON-PREMISES DIGITAL LENDING PLATFORM TO ENSURE DATA PRIVACY AND SECURITY 70
10 DIGITAL LENDING PLATFORM MARKET, BY VERTICAL 71
10.1 INTRODUCTION 72
10.2 BANKING 73
10.2.1 INCREASING LOAN TRANSACTION VOLUMES ACROSS THE BANKING SECTOR DRIVING THE GROWTH OF DIGITAL LENDING PLATFORM MARKET 73
10.3 FINANCIAL SERVICES 74
10.3.1 NEED TO ENHANCE CUSTOMER EXPERIENCE ACROSS FINANCIAL SERVICES DRIVING THE GROWTH OF DIGITAL LENDING PLATFORM MARKET 74
10.4 CREDIT UNIONS 75
10.4.1 NEED FOR AUTOMATION ACROSS CREDIT UNIONS TO ENHANCE THE LENDING PROCESS 75
10.5 INSURANCE COMPANIES 76
10.5.1 NEED FOR DIGITALIZATION IN THE INSURANCE VERTICAL TO STRENGTHEN THE LENDING PROCESS AND DEPENDENCY ON INTERMEDIATE AGENTS 76
10.6 RETAIL BANKING 77
10.6.1 ADOPTION OF DIGITAL LENDING SOLUTIONS FOR RETAIL BANKING TO PROVIDE CUSTOMERS SEAMLESS USER EXPERIENCE 77
10.7 PEER-TO-PEER LENDERS 78
10.7.1 INCREASE IN VENTURE FUNDING FOR PEER-TO-PEER LENDERS DRIVING THE GROWTH OF DIGITAL LENDING PLATFORM MARKET 78
11 DIGITAL LENDING PLATFORM MARKET, BY REGION 79
11.1 INTRODUCTION 80
11.2 NORTH AMERICA 81
11.2.1 UNITED STATES 82
11.2.1.1 United States to account for the highest market share in North America during the forecast period 82
11.2.2 CANADA 83
11.2.2.1 Canada to grow at the highest CAGR in North America during the forecast period 83
11.3 EUROPE 86
11.3.1 UNITED KINGDOM 86
11.3.1.1 Increasing adoption of omnichannel digital lending solutions by financial institutions to fuel the growth of the market in the United Kingdom 86

11.3.2 GERMANY 86
11.3.2.1 Organizations’ continuous focus toward enhanced customer experience to fuel the demand for digital lending solutions in the country 86
11.3.3 FRANCE 87
11.3.3.1 France to grow at the highest CAGR, due to the heavy investments in digital lending platforms by government and other organizations in the country 87
11.3.4 REST OF EUROPE 87
11.4 ASIA PACIFIC 90
11.4.1 CHINA 91
11.4.1.1 Rapid economic developments and the increased proliferation of smartphones to drive the growth of the digital lending platform market in China 91
11.4.2 JAPAN 92
11.4.2.1 Reduced cost, enhanced customer experience, and improved operational efficiency of lending platforms to trigger the growth of the digital lending platform market in Japan 92
11.4.3 INDIA 92
11.4.3.1 High adoption of digital lending platforms among various verticals to fuel the growth of the digital lending platform market in India 92
11.4.4 AUSTRALIA AND NEW ZEALAND (ANZ) 92
11.4.4.1 Increasing adoption of digital lending platforms among organizations for improved productivity to boost the growth of the digital lending platform market in Australia and New Zealand 92
11.4.5 REST OF ASIA PACIFIC 93
11.5 MIDDLE EAST AND AFRICA 95
11.5.1 MIDDLE EAST 96
11.5.1.1 Internet-savvy consumers driving the digital lending platform market in the Middle East 96
11.5.2 AFRICA 96
11.5.2.1 Increasing focus on digitalization in the financial sector driving the growth of digital lending platform market in Africa 96
11.6 LATIN AMERICA 98
11.6.1 BRAZIL 99
11.6.1.1 Rapid surge in the usage of Internet and mobile-based applications in financial institutions to drive the growth of digital lending platform market in Brazil 99
11.6.2 MEXICO 99
11.6.2.1 Proliferation of cloud-based digital technologies aiding the growth of digital lending platform market in Mexico 99
11.6.3 REST OF LATIN AMERICA 99

12 COMPETITIVE LANDSCAPE 103
12.1 OVERVIEW 103
12.2 COMPETITIVE SCENARIO 105
12.2.1 PARTNERSHIPS, AGREEMENTS, AND COLLABORATIONS 106
12.2.2 NEW PRODUCT/SERVICE LAUNCHES AND PRODUCT UPGRADATIONS 108
12.2.3 MERGERS AND ACQUISITIONS 110
12.2.4 BUSINESS EXPANSIONS 110
13 COMPANY PROFILES 111
13.1 INTRODUCTION 111
13.2 FISERV 112
(Business Overview, Solutions and Services Offered, Recent Developments, SWOT Analysis, and MNM View)*
13.3 NEWGEN SOFTWARE 116
13.4 ELLIE MAE 119
13.5 NUCLEUS SOFTWARE 123
13.6 FIS GLOBAL 127
13.7 PEGASYSTEMS 130
13.8 TEMENOS 133
13.9 INTELLECT DESIGN ARENA 136
13.10 SIGMA INFOSOLUTIONS 138
13.11 TAVANT TECHNOLOGIES 140
13.12 DOCUTECH 141
13.13 MAMBU 143
13.14 CU DIRECT 145
13.15 SAGEWORKS 147
13.16 ROOSTIFY 149
13.17 JURISTECH 151
13.18 DECIMAL TECHNOLOGIES 152
13.19 HIEND SYSTEMS 153
13.20 RUPEEPOWER 154
13.21 FINASTRA 155
13.22 ARGO 157
13.23 SYMITAR 158
13.24 TURNKEY LENDER 159
13.25 FINANTIX 160
13.26 BUILT TECHNOLOGIES 161
*Details on Business Overview, Solutions and Services Offered, Recent Developments, SWOT Analysis, and MNM View might not be captured in case of unlisted companies.

14 APPENDIX 162
14.1 DISCUSSION GUIDE 162
14.2 KNOWLEDGE STORE: MARKETSANDMARKETS’ SUBSCRIPTION PORTAL 166
14.3 AVAILABLE CUSTOMIZATIONS 168
14.4 RELATED REPORTS 168
14.5 AUTHOR DETAILS 169

 

LIST OF TABLES

TABLE 1 UNITED STATES DOLLAR EXCHANGE RATE, 2015–2017 21
TABLE 2 GLOBAL DIGITAL LENDING PLATFORM MARKET SIZE AND GROWTH RATE,
2016–2023 (USD MILLION, Y-O-Y %) 30
TABLE 3 DIGITAL LENDING PLATFORM MARKET SIZE, BY COMPONENT,
2016–2023 (USD MILLION) 47
TABLE 4 SOLUTIONS: DIGITAL LENDING PLATFORM MARKET SIZE, BY REGION,
2016–2023 (USD MILLION) 48
TABLE 5 SERVICES: DIGITAL LENDING PLATFORM MARKET SIZE, BY REGION,
2016–2023 (USD MILLION) 49
TABLE 6 DIGITAL LENDING PLATFORM MARKET SIZE, BY SOLUTION,
2016–2023 (USD MILLION) 51
TABLE 7 LOAN ORIGINATION: DIGITAL LENDING PLATFORM MARKET SIZE, BY REGION, 2016–2023 (USD MILLION) 52
TABLE 8 DECISION AUTOMATION: DIGITAL LENDING PLATFORM MARKET SIZE, BY REGION, 2016–2023 (USD MILLION) 53
TABLE 9 PORTFOLIO MANAGEMENT: DIGITAL LENDING PLATFORM MARKET SIZE,
BY REGION, 2016–2023 (USD MILLION) 54
TABLE 10 LOAN SERVICING: DIGITAL LENDING PLATFORM MARKET SIZE, BY REGION,
2016–2023 (USD MILLION) 55
TABLE 11 RISK AND COMPLIANCE MANAGEMENT: DIGITAL LENDING PLATFORM MARKET SIZE, BY REGION, 2016–2023 (USD MILLION) 56
TABLE 12 LOAN MANAGEMENT: DIGITAL LENDING PLATFORM MARKET SIZE, BY REGION, 2016–2023 (USD MILLION) 57
TABLE 13 BUSINESS PROCESS MANAGEMENT: DIGITAL LENDING PLATFORM MARKET SIZE, BY REGION, 2016–2023 (USD MILLION) 58
TABLE 14 OTHERS: DIGITAL LENDING PLATFORM MARKET SIZE, BY REGION,
2016–2023 (USD MILLION) 59
TABLE 15 DIGITAL LENDING PLATFORM MARKET SIZE, BY SERVICE,
2016–2023 (USD MILLION) 61
TABLE 16 DESIGN AND IMPLEMENTATION: DIGITAL LENDING PLATFORM MARKET SIZE,
BY REGION, 2016–2023 (USD MILLION) 62
TABLE 17 TRAINING AND EDUCATION: DIGITAL LENDING PLATFORM MARKET SIZE,
BY REGION, 2016–2023 (USD MILLION) 63
TABLE 18 RISK ASSESSMENT: DIGITAL LENDING PLATFORM MARKET SIZE, BY REGION, 2016–2023 (USD MILLION) 64
TABLE 19 CONSULTING: DIGITAL LENDING PLATFORM MARKET SIZE, BY REGION,
2016–2023 (USD MILLION) 65
TABLE 20 SUPPORT AND MAINTENANCE: DIGITAL LENDING PLATFORM MARKET SIZE,
BY REGION, 2016–2023 (USD MILLION) 66
TABLE 21 DIGITAL LENDING PLATFORM MARKET SIZE, BY DEPLOYMENT MODE,
2016–2023 (USD MILLION) 68
TABLE 22 CLOUD: DIGITAL LENDING PLATFORM MARKET SIZE, BY REGION,
2016–2023 (USD MILLION) 69
TABLE 23 ON-PREMISES: DIGITAL LENDING PLATFORM MARKET SIZE, BY REGION,
2016–2023 (USD MILLION) 70
TABLE 24 DIGITAL LENDING PLATFORM MARKET SIZE, BY VERTICAL,
2016–2023 (USD MILLION) 72
TABLE 25 BANKING: DIGITAL LENDING PLATFORM MARKET SIZE, BY REGION,
2016–2023 (USD MILLION) 73
TABLE 26 FINANCIAL SERVICES: DIGITAL LENDING PLATFORM MARKET SIZE, BY REGION, 2016–2023 (USD MILLION) 74
TABLE 27 CREDIT UNIONS: DIGITAL LENDING PLATFORM MARKET SIZE, BY REGION,
2016–2023 (USD MILLION) 75
TABLE 28 INSURANCE COMPANIES: DIGITAL LENDING PLATFORM MARKET SIZE, BY REGION, 2016–2023 (USD MILLION) 76
TABLE 29 RETAIL BANKING: DIGITAL LENDING PLATFORM MARKET SIZE, BY REGION,
2016–2023 (USD MILLION) 77
TABLE 30 PEER-TO-PEER LENDERS: DIGITAL LENDING PLATFORM MARKET SIZE, BY REGION, 2016–2023 (USD MILLION) 78
TABLE 31 DIGITAL LENDING PLATFORM MARKET SIZE, BY REGION,
2016–2023 (USD MILLION) 80
TABLE 32 NORTH AMERICA: DIGITAL LENDING PLATFORM MARKET SIZE, BY COUNTRY, 2016–2023 (USD MILLION) 83
TABLE 33 NORTH AMERICA: DIGITAL LENDING PLATFORM MARKET SIZE, BY COMPONENT, 2016–2023 (USD MILLION) 83
TABLE 34 NORTH AMERICA: DIGITAL LENDING PLATFORM MARKET SIZE, BY SOLUTION, 2016–2023 (USD MILLION) 84
TABLE 35 NORTH AMERICA: DIGITAL LENDING PLATFORM MARKET SIZE, BY SERVICE,
2016–2022 (USD MILLION) 84
TABLE 36 NORTH AMERICA: DIGITAL LENDING PLATFORM MARKET SIZE, BY DEPLOYMENT MODE, 2016–2023 (USD MILLION) 85
TABLE 37 NORTH AMERICA: DIGITAL LENDING PLATFORM MARKET SIZE, BY VERTICAL, 2016–2023 (USD MILLION) 85
TABLE 38 EUROPE: DIGITAL LENDING PLATFORM MARKET SIZE, BY COUNTRY,
2016–2023 (USD MILLION) 87
TABLE 39 EUROPE: DIGITAL LENDING PLATFORM MARKET SIZE, BY COMPONENT,
2016–2023 (USD MILLION) 87
TABLE 40 EUROPE: DIGITAL LENDING PLATFORM MARKET SIZE, BY SOLUTION,
2016–2023 (USD MILLION) 88
TABLE 41 EUROPE: DIGITAL LENDING PLATFORM MARKET SIZE, BY SERVICE,
2016–2022 (USD MILLION) 88
TABLE 42 EUROPE: DIGITAL LENDING PLATFORM MARKET SIZE, BY DEPLOYMENT MODE, 2016–2023 (USD MILLION) 89
TABLE 43 EUROPE: DIGITAL LENDING PLATFORM MARKET SIZE, BY VERTICAL,
2016–2023 (USD MILLION) 89
TABLE 44 ASIA PACIFIC: DIGITAL LENDING PLATFORM MARKET SIZE, BY COUNTRY,
2016–2023 (USD MILLION) 93
TABLE 45 ASIA PACIFIC: DIGITAL LENDING PLATFORM MARKET SIZE, BY COMPONENT, 2016–2023 (USD MILLION) 93
TABLE 46 ASIA PACIFIC: DIGITAL LENDING PLATFORM MARKET SIZE, BY SOLUTION,
2016–2023 (USD MILLION) 94
TABLE 47 ASIA PACIFIC: DIGITAL LENDING PLATFORM MARKET SIZE, BY SERVICE,
2016–2022 (USD MILLION) 94
TABLE 48 ASIA PACIFIC: DIGITAL LENDING PLATFORM MARKET SIZE, BY DEPLOYMENT MODE, 2016–2023 (USD MILLION) 95
TABLE 49 ASIA PACIFIC: DIGITAL LENDING PLATFORM MARKET SIZE, BY VERTICAL,
2016–2023 (USD MILLION) 95
TABLE 50 MIDDLE EAST AND AFRICA: DIGITAL LENDING PLATFORM MARKET SIZE,
BY SUB-REGION, 2016–2023 (USD MILLION) 96
TABLE 51 MIDDLE EAST AND AFRICA: DIGITAL LENDING PLATFORM MARKET SIZE,
BY COMPONENT, 2016–2023 (USD MILLION) 96
TABLE 52 MIDDLE EAST AND AFRICA: DIGITAL LENDING PLATFORM MARKET SIZE,
BY SOLUTION, 2016–2023 (USD MILLION) 97
TABLE 53 MIDDLE EAST AND AFRICA: DIGITAL LENDING PLATFORM MARKET SIZE,
BY SERVICE, 2016–2022 (USD MILLION) 97
TABLE 54 MIDDLE EAST AND AFRICA: DIGITAL LENDING PLATFORM MARKET SIZE,
BY DEPLOYMENT MODE, 2016–2023 (USD MILLION) 98
TABLE 55 MIDDLE EAST AND AFRICA: DIGITAL LENDING PLATFORM MARKET SIZE,
BY VERTICAL, 2016–2023 (USD MILLION) 98
TABLE 56 LATIN AMERICA: DIGITAL LENDING PLATFORM MARKET SIZE, BY COUNTRY,
2016–2023 (USD MILLION) 99
TABLE 57 LATIN AMERICA: DIGITAL LENDING PLATFORM MARKET SIZE, BY COMPONENT, 2016–2023 (USD MILLION) 100
TABLE 58 LATIN AMERICA: DIGITAL LENDING PLATFORM MARKET SIZE, BY SOLUTION,
2016–2023 (USD MILLION) 100
TABLE 59 LATIN AMERICA: DIGITAL LENDING PLATFORM MARKET SIZE, BY SERVICE,
2016–2022 (USD MILLION) 101
TABLE 60 LATIN AMERICA: DIGITAL LENDING PLATFORM MARKET SIZE, BY DEPLOYMENT MODE, 2016–2023 (USD MILLION) 101
TABLE 61 LATIN AMERICA: DIGITAL LENDING PLATFORM MARKET SIZE, BY VERTICAL,
2016–2023 (USD MILLION) 102
TABLE 62 PARTNERSHIPS, AGREEMENTS, AND COLLABORATIONS, 2017–2018 106
TABLE 63 NEW PRODUCT/SERVICE LAUNCHES AND PRODUCT UPGRADATIONS, 2017–2018 108
TABLE 64 MERGERS AND ACQUISITIONS, 2017 110
TABLE 65 BUSINESS EXPANSIONS, 2016–2017 110

 

LIST OF FIGURES

FIGURE 1 DIGITAL LENDING PLATFORM MARKET: RESEARCH DESIGN 23
FIGURE 2 DIGITAL LENDING PLATFORM MARKET: BOTTOM-UP APPROACH 27
FIGURE 3 DIGITAL LENDING PLATFORM MARKET: TOP-DOWN APPROACH 27
FIGURE 4 DIGITAL LENDING PLATFORM MARKET SIZE, BY SOLUTION 30
FIGURE 5 DIGITAL LENDING PLATFORM MARKET SIZE, BY SERVICE 31
FIGURE 6 GLOBAL DIGITAL LENDING PLATFORM MARKET SHARE: NORTH AMERICA TO HOLD THE HIGHEST MARKET SHARE IN 2018 31
FIGURE 7 GLOBAL DIGITAL LENDING PLATFORM MARKET, BY VERTICAL: PEER-TO-PEER LENDERS SEGMENT TO GROW AT THE HIGHEST GROWTH RATE DURING THE FORECAST PERIOD 32
FIGURE 8 GLOBAL DIGITAL LENDING PLATFORM MARKET, BY SOLUTION: BUSINESS PROCESS MANAGEMENT SEGMENT TO DOMINATE THE DIGITAL LENDING PLATFORM MARKET IN 2018 32
FIGURE 9 STRINGENT GOVERNMENT REGULATIONS AND THE HIGH PROLIFERATION OF SMARTPHONES AND DIGITALIZATION OF ORGANIZATIONS TO SPUR THE GROWTH OF THE GLOBAL DIGITAL LENDING PLATFORM MARKET 33
FIGURE 10 DESIGN AND IMPLEMENTATION SOLUTION AND UNITED STATES TO HOLD THE HIGHEST MARKET SHARES IN NORTH AMERICA IN 2018 34
FIGURE 11 BUSINESS PROCESS MANAGEMENT SEGMENT TO HOLD THE HIGHEST MARKET SHARE IN 2018 34
FIGURE 12 INDIA TO GROW AT THE HIGHEST GROWTH RATE DURING THE FORECAST PERIOD 35
FIGURE 13 ASIA PACIFIC TO EMERGE AS THE BEST MARKET FOR INVESTMENTS IN THE NEXT 5 YEARS 35
FIGURE 14 DRIVERS, RESTRAINTS, OPPORTUNITIES, AND CHALLENGES: DIGITAL LENDING PLATFORM MARKET 37
FIGURE 15 GLOBAL PENETRATION OF MOBILE AND INTERNET IN 2018 38
FIGURE 16 TOTAL MONTHLY MOBILE DATA TRAFFIC OF SMARTPHONES, BY REGION 38
FIGURE 17 GLOBAL LITERACY RATES, 2017 41
FIGURE 18 SERVICES SEGMENT TO GROW AT A HIGHER CAGR DURING THE FORECAST PERIOD 47
FIGURE 19 DECISION AUTOMATION SEGMENT TO GROW AT THE HIGHEST CAGR DURING THE FORECAST PERIOD 51
FIGURE 20 RISK ASSESSMENT SEGMENT TO GROW AT THE HIGHEST CAGR DURING THE FORECAST PERIOD 61
FIGURE 21 CLOUD DEPLOYMENT MODE TO GROW AT A HIGHER CAGR DURING THE FORECAST PERIOD 68
FIGURE 22 PEER-TO-PEER LENDERS SEGMENT TO GROW AT THE HIGHEST CAGR DURING THE FORECAST PERIOD 72
FIGURE 23 ASIA PACIFIC TO GROW AT THE HIGHEST CAGR DURING THE FORECAST PERIOD 80
FIGURE 24 NORTH AMERICA: MARKET SNAPSHOT 82
FIGURE 25 ASIA PACIFIC: MARKET SNAPSHOT 91
FIGURE 26 KEY DEVELOPMENTS BY THE LEADING PLAYERS IN THE DIGITAL LENDING PLATFORM MARKET IN 2017–2018 104
FIGURE 27 KEY MARKET EVALUATION FRAMEWORK 105
FIGURE 28 GEOGRAPHIC REVENUE MIX OF MAJOR INDUSTRY PLAYERS 111
FIGURE 29 FISERV: COMPANY SNAPSHOT 112
FIGURE 30 FISERV: SWOT ANALYSIS 114
FIGURE 31 NEWGEN SOFTWARE: COMPANY SNAPSHOT 116
FIGURE 32 NEWGEN SOFTWARE: SWOT ANALYSIS 117
FIGURE 33 ELLIE MAE: COMPANY SNAPSHOT 119
FIGURE 34 ELLIE MAE: SWOT ANALYSIS 122
FIGURE 35 NUCLEUS SOFTWARE: COMPANY SNAPSHOT 123
FIGURE 36 NUCLEUS SOFTWARE: SWOT ANALYSIS 125
FIGURE 37 FIS GLOBAL: COMPANY SNAPSHOT 127
FIGURE 38 FIS GLOBAL: SWOT ANALYSIS 128
FIGURE 39 PEGASYSTEMS: COMPANY SNAPSHOT 130
FIGURE 40 PEGASYSTEMS: SWOT ANALYSIS 131
FIGURE 41 TEMENOS: COMPANY SNAPSHOT 133
FIGURE 42 INTELLECT DESIGN ARENA: COMPANY SNAPSHOT 136
 

 

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プレスリリース

[プレスリリース原文]

Digital Lending Platform Market worth $12.1 billion by 2023

 

November 9, 2018

The report "Digital Lending Platform Market by Solution (Loan Origination, Decision Automation, Portfolio Management, Risk & Compliance Management, Loan Management, Business Process Management), Service, Deployment Mode, Vertical, and Region - Global Forecast to 2023", The digital lending platform market size is expected to grow from USD 5.1 billion in 2018 to USD 12.1 billion by 2023, at a Compound Annual Growth Rate (CAGR) of 18.7% during the forecast period. The major growth factors for the market include growth in digitalization, proliferation of smartphones, and an increasing need to enhance the customer experience and the strict government directives for digital lending. A growing need for cloud-based digital lending solutions in the financial sector is also a major drive for the digital lending platform market.

Decision automation solutions segment to grow at the highest CAGR from 2018 to 2023

Digital lending platform solutions help lending organizations operate efficiently while saving costs, which has been the key factor for the market growth. The digital lending platform market by solution has loan origination, decision automation, portfolio management, loan servicing, risk and compliance management, loan management, business process management, and others (including KYC, API Gateway, and credit bureau reporting) segments. The decision automation solutions segment is expected to register growth at the highest CAGR in the digital lending platform market during the forecast period. Decision automation solutions help end clients automate the decision process of approving or rejecting a loan application, and enable enterprises to make the overall lending process more efficient.

Increasing venture funding for p2p lenders to drive the digital lending platform market during 2018-2023

The digital lending platform market by vertical covers major verticals: banking, financial services, insurance companies, credit unions, retail banking, and P2P lenders. Among them, the p2p lenders vertical is expected to grow at the highest CAGR from 2018 to 2023, as there is an increasing number of customers demanding for loans across the globe, which, in turn, would spur the demand for solutions to ease the lending process. The banking vertical is estimated to hold the largest market size in 2018, due to the increased adoption of digital lending. The credit unions and retail banking verticals are also expected to gain traction during the forecast period.

North America to dominate the global digital lending platform market in 2018

North America is estimated to hold the largest market size in the digital lending platform market by region in 2018, as the region is a mature and well-established market with healthy risk appetite and inclination toward technological innovations. The market in Asia Pacific (APAC) is expected to grow at the highest CAGR between 2018 and 2023. Major growth factors for the APAC market include increasing technology adoption, significant opportunities across industry verticals, and strict directives for data privacy in APAC countries, especially India and China.

The report covers different growth strategies, such as mergers and acquisitions, partnerships and collaborations, business expansions, and product developments, adopted by the major players to increase their market share. Major technology vendors in the global digital lending platform market include Fiserv (US), Newgen Software (India), Ellie Mae (US), Nucleus Software (India), FIS (US), Pegasystems (US), Temenos (Switzerland), Intellect Design Arena (India), Sigma Infosolutions (US), Tavant Technologies (US), Docutech (US), Mambu (Germany), CU Direct (US), Sageworks (US), Roostify (US), Juris Tech (Malaysia), Decimal Technologies (India), HiEnd Systems (Belarus), RupeePower (India), Finastra (UK), Finatix (Italy), Built Technologies (US), Symitar (US), Turnkey Lenders (Singapore), and Argo (US).

 

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