Marché des plateformes de prêt numérique au Moyen-Orient et en Afrique – Tendances et prévisions du secteur jusqu’en 2029

Analyse et taille du marché des plateformes de prêt numérique au Moyen-Orient et en Afrique

Le marché des plateformes de prêt numérique devrait générer des revenus importants, car la demande des prêteurs et des emprunteurs pour prêter de l'argent sous forme numérique ou électronique a augmenté. En outre, les efforts vigoureux des institutions financières pour améliorer l'expérience client, les réglementations gouvernementales strictes en matière de prêt numérique, la prolifération des smartphones et les progrès technologiques sont d'autres facteurs qui alimenteront la progression du marché.

Le marché des plateformes de prêt numérique au Moyen-Orient et en Afrique était évalué à 551,81 millions USD en 2021 et devrait atteindre 2060,16 millions USD d'ici 2029, enregistrant un TCAC de 17,90 % au cours de la période de prévision 2022-2029. En plus des informations sur le marché telles que la valeur marchande, le taux de croissance, les segments de marché, la couverture géographique, les acteurs du marché et le scénario du marché, le rapport de marché organisé par l'équipe de recherche sur le marché de Data Bridge comprend une analyse approfondie des experts, une analyse des importations/exportations, une analyse des prix, une analyse de la consommation de production et une analyse des pilon.

Portée et segmentation du marché des plateformes de prêt numérique au Moyen-Orient et en Afrique

Market Definition

The digital lending platform makes it possible for lenders and borrowers to lend money in a digital or electronic format, improving user experience, making it easier to use, and reducing costs because client verification takes less time. The procedure begins with user registration and continues with the collecting of online paperwork, client identification and verification, loan approval, distribution of loans, and loan recovery.

Digital Lending Platform Market Dynamics

This section deals with understanding the market drivers, advantages, opportunities, restraints and challenges. All of this is discussed in detail as below:

Drivers

• Burgeoning Use of Online Baking Services

As a result of globalisation and the rising use of internet banking, lending procedures are quickly become digital. This is one of the most crucial aspects that affects how DLP is used in the banking, financial services, and insurance (BFSI) sector to make better decisions, provide better client experiences, and save a lot of money. In addition, financial institutions worldwide are increasingly using digital channels to lend money and address pandemic issues due to the coronavirus illness (COVID-19) outbreak. The increased usage of banking services further boost the market’s overall growth.

• High Penetration of Smartphones

DLP provides the advantages of e-signing and quick accessibility, and the industry is also expanding due to rising smartphone dependence and internet penetration rates. DLP requires little paperwork, which lowers the possibility of human error, therefore it also helps the increased emphasis on digital automation contribute to the expansion of the global market. A number of businesses are incorporating cutting-edge fraud prevention technologies, which is driving the market's expansion. Additionally, the prevalence of cyber dangers is rising, hastening its global acceptance.

Furthermore, the factors such as growing adoption of digitalization in the BFSI sector will accelerate the overall market expansion during the forecast period. Additionally, the need for better customer experience is anticipated to drive the growth rate of the digital lending platform market. The growing demand for digital lending platforms among MSMEs will further positively impact the market's growth rate during the forecast period.

Opportunities

• Emergence of the Technologies

The emerging technologies such as the artificial intelligence, machine learning, and block chain further enhance digital lending platforms' capabilities, which estimated to generate lucrative opportunities for the market, which will further expand the digital lending platform market's growth rate in the future.

• Surging Growth for Lending Analytics

Additionally, the surging growth of the loan analytics has further offered various growth opportunities to the market. Lenders can examine consumer segmentation and maximize client acquisition using lending analytics. Additionally, it helps lenders cut expenses while enhancing efficiency and profitability. As part of their efforts to enhance their performance, a number of loan analytics solution providers are pursuing strategies including mergers and acquisitions and strategic partnerships, among others.

Restraints/Challenges

• Lesser Acceptance and Low Awareness

Many businesses favor the time-consuming and laborious traditional loan methods. They are unable to adopt innovations due to their fixed customer base and established methods of credit underwriting. Therefore, less acceptance of the digital lending platform is further expected to obstruct market growth over the forecast period. Additionally, the main reasons for the low adoption of automated and advanced digital lending processes are a lack of knowledge about digital lending and a lack of training and skill sets to manage them. These factors will largely hamper the market growth.

• Privacy Concerns and Other Challenges

It is anticipated that issues like data security and privacy protection will constrain industry expansion. Many countries have already started taking action to address issues with data security and privacy protection related to online lending platforms. Additionally, because all digital platforms significantly rely on internet connectivity and backend infrastructure, any system bugs, power outages, or connectivity problems could make digital platforms unavailable to end users. These factors will pose as a significant challenge for the digital lending platform market over the forecast period.

This digital lending platform market report provides details of new recent developments, trade regulations, import-export analysis, production analysis, value chain optimization, market share, impact of domestic and localized market players, analyses opportunities in terms of emerging revenue pockets, changes in market regulations, strategic market growth analysis, market size, category market growths, application niches and dominance, product approvals, product launches, geographic expansions, technological innovations in the market. To gain more info on the digital lending platform market contact Data Bridge Market Research for an Analyst Brief, our team will help you take an informed market decision to achieve market growth.

COVID-19 Impact on Digital Lending Platform Market

The digital lending platform market was moderately impacted by the outbreak of COVID-19.  Numerous nations have stringent lockdowns, closures, and mobility restrictions as a result of the COVID-19 outbreak to stop the virus from spreading. The COVID-19 crisis has resulted in growth across the board for FinTech, including payment investments, lending, and general banking. Although lending platforms have fewer users overall, they have seen a 25% rise in users despite having fewer people overall. This is primarily because many enterprises required speedy loan approvals to maintain their operations during the difficult times. People have begun to choose contactless transactions to stop the virus from spreading. Also, the credit unions and banks are especially improving their digital banking services to better serve their consumers. Furthermore, during the COVID-19 pandemic, banks have been using digital channels more frequently to disburse loans under the Paycheck Protection Program. Small businesses can get funding for up to 8 weeks under the Paycheck Protection Program in the US. Numerated, a digital lending platform supplier, reports that 82% of American businesses elect to apply for PPP loans online at COVID-19 instead of through conventional methods.

Recent Developments

• In January 2022, American regulators gave Online lender SoFi Technologies the go-ahead to transform into a bank holding company. Therefore, the market is seeing fresh growth due to the rise in digital lenders with banking licences.
• In July 2021, Newgen Software introduced the one and only comprehensive digital transformation platform, NewgenONE , in order to handle the messiest information, streamline even the most complicated company processes, and increase customer interaction based on shifting demands.The NewgenONE platform for digital transformation unites the company's current process automation, content offerings, and communication management capabilities. With the help of the platform, businesses may create and publish sophisticated, content-driven, and user-friendly business apps in the cloud.

Middle East and Africa Digital Lending Platform Market Scope

The digital lending platform market is segmented on the basis of component, deployment model, loan amount size, subscription type, loan type and vertical. The growth amongst these segments will help you analyze meagre growth segments in the industries and provide the users with a valuable market overview and market insights to help them make strategic decisions for identifying core market applications.

Component

• Software
• Services

Loan amount size

• Less than US$ 7,000
• US$ 7,001 to US$ 20,000
• More than US$ 20,001

Organization size

• Large Organization
• Small & Medium Organization

Deployment

• On-premise
• Cloud

Subscription type

• Free  
• Paid

Loan type

• Automotive Loan
• SME Finance Loan
• Personal Loan
• Home Loan
• Consumer Durable
• Others

Vertical

• Banking
• Financial Services
• Insurance Companies
• P2P (Peer-to-Peer) Lenders
• Credit Unions
• Saving
• Loan Associations

Analyse/perspectives régionales du marché des plateformes de prêt numérique

Le marché des plateformes de prêt numérique est analysé et des informations sur la taille et les tendances du marché sont fournies par pays, composant, modèle de déploiement, montant du prêt, type d'abonnement, type de prêt et vertical comme référencé ci-dessus.

Les pays couverts dans le rapport sur le marché des plateformes de prêt numérique sont les Émirats arabes unis, l’Arabie saoudite, l’Égypte, l’Afrique du Sud, Israël, le reste du Moyen-Orient et l’Afrique.

Israël domine la région du Moyen-Orient et de l’Afrique en raison des initiatives gouvernementales croissantes visant à promouvoir la numérisation, qui incitent de nouveaux investisseurs à former des partenariats avec des banques régionales et des coopératives de crédit pour numériser le processus de prêt.

La section pays du rapport fournit également des facteurs d'impact sur les marchés individuels et des changements de réglementation sur le marché national qui ont un impact sur les tendances actuelles et futures du marché. Des points de données tels que l'analyse de la chaîne de valeur en aval et en amont, les tendances techniques et l'analyse des cinq forces de Porter, les études de cas sont quelques-uns des indicateurs utilisés pour prévoir le scénario de marché pour les différents pays. En outre, la présence et la disponibilité des marques mondiales et les défis auxquels elles sont confrontées en raison de la concurrence importante ou rare des marques locales et nationales, l'impact des tarifs nationaux et les routes commerciales sont pris en compte tout en fournissant une analyse prévisionnelle des données nationales.   

Analyse du paysage concurrentiel et des parts de marché des plateformes de prêt numérique

Le paysage concurrentiel du marché des plateformes de prêt numérique fournit des détails par concurrent. Les détails inclus sont la présentation de l'entreprise, les finances de l'entreprise, les revenus générés, le potentiel du marché, les investissements dans la recherche et le développement, les nouvelles initiatives du marché, la présence mondiale, les sites et installations de production, les capacités de production, les forces et les faiblesses de l'entreprise, le lancement du produit, la largeur et l'étendue du produit, la domination des applications. Les points de données ci-dessus fournis ne concernent que l'orientation des entreprises liée au marché des plateformes de prêt numérique.

Certains des principaux acteurs opérant sur le marché des plateformes de prêt numérique sont

• General Electric (États-Unis)
• IBM (États-Unis)
• PTC (États-Unis)
• Microsoft (États-Unis)
• Siemens (Allemagne)
• ANSYS, Inc (États-Unis)
• SAP SE (Allemagne)
• Oracle (États-Unis)
• Robert Bosch GmbH (Allemagne)
• Swim Inc. (États-Unis)
• Atos SE (France)
• ABB (Suisse)
• KELLTON TECH (Inde)
• Groupe AVEVA plc (Royaume-Uni)
• Société de technologie DXC (États-Unis)
• Altair Engineering, Inc (États-Unis)
• Hexaware Technologies Limited (Inde)
• Tata Consultancy Services Limited (Inde)
• Infosys Limited (Inde)
• NTT DATA, Inc. (Japon)
• TIBCO Software Inc. (États-Unis)

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