유럽 ​​디지털 렌딩 플랫폼 시장 – 2029년까지의 산업 동향 및 예측

유럽 ​​디지털 렌딩 플랫폼 시장 분석 및 규모

디지털 대출 플랫폼 시장은 대출자와 차용자가 디지털 또는 전자 형식으로 돈을 빌려주는 수요가 증가함에 따라 상당한 수익을 창출할 것으로 예상됩니다. 게다가 금융 기관의 고객 경험 향상을 위한 적극적인 노력, 디지털 대출에 대한 엄격한 정부 규제, 스마트폰의 확산, 기술의 발전은 시장 진전을 촉진할 다른 요인입니다.

유럽 ​​디지털 대출 플랫폼 시장은 2021년에 12억 3,883만 달러로 평가되었으며, 2029년까지 49억 8,181만 달러에 도달할 것으로 예상되며, 2022-2029년 예측 기간 동안 19.00%의 CAGR을 기록할 것으로 예상됩니다. Data Bridge Market Research 팀이 큐레이팅한 시장 보고서에는 시장 가치, 성장률, 시장 세그먼트, 지리적 범위, 시장 참여자, 시장 시나리오와 같은 시장 통찰력 외에도 심층적인 전문가 분석, 수입/수출 분석, 가격 분석, 생산 소비 분석, 페슬 분석이 포함됩니다.

유럽 ​​디지털 대출 플랫폼 시장 범위 및 세분화

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.

Europe 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

디지털 대출 플랫폼 시장 지역 분석/통찰력

위에 참조된 대로 국가, 구성 요소, 배포 모델, 대출 금액 규모, 구독 유형, 대출 유형 및 수직별로 디지털 대출 플랫폼 시장을 분석하고 시장 규모에 대한 통찰력과 추세를 제공합니다.

디지털 대출 플랫폼 시장 보고서에서 다루는 국가는 독일, 프랑스, ​​영국, 네덜란드, 스위스, 벨기에, 러시아, 이탈리아, 스페인, 터키, 유럽의 기타 국가입니다.

영국은 첨단 기술에 대한 연구개발에 막대한 투자를 했기 때문에 디지털 대출 플랫폼 시장에서 유럽 지역을 지배하고 있습니다. 게다가, 지역 내 온라인 플랫폼과 인터넷 서비스의 디지털 인프라를 지원할 수 있는 경제의 능력은 지역 전체 시장의 성장에도 도움이 될 것입니다.

보고서의 국가 섹션은 또한 개별 시장 영향 요인과 국내 시장의 현재 및 미래 트렌드에 영향을 미치는 규제 변화를 제공합니다. 다운스트림 및 업스트림 가치 사슬 분석, 기술 트렌드 및 포터의 5가지 힘 분석, 사례 연구와 같은 데이터 포인트는 개별 국가의 시장 시나리오를 예측하는 데 사용되는 몇 가지 포인터입니다. 또한 글로벌 브랜드의 존재 및 가용성과 지역 및 국내 브랜드와의 대규모 또는 희소한 경쟁으로 인해 직면한 과제, 국내 관세 및 무역 경로의 영향은 국가 데이터에 대한 예측 분석을 제공하는 동안 고려됩니다.   

경쟁 환경 및 디지털 대출 플랫폼 시장 점유율 분석

디지털 대출 플랫폼 시장 경쟁 구도는 경쟁자별 세부 정보를 제공합니다. 포함된 세부 정보는 회사 개요, 회사 재무, 창출된 수익, 시장 잠재력, 연구 개발 투자, 새로운 시장 이니셔티브, 글로벌 입지, 생산 현장 및 시설, 생산 용량, 회사의 강점과 약점, 제품 출시, 제품 폭과 범위, 애플리케이션 우세입니다. 위에 제공된 데이터 포인트는 디지털 대출 플랫폼 시장과 관련된 회사의 초점에만 관련이 있습니다.

디지털 대출 플랫폼 시장에서 운영되는 주요 업체는 다음과 같습니다.

• 제너럴 일렉트릭(미국)
• IBM(미국)
• PTC(미국)
• 마이크로소프트(미국)
• 지멘스(독일)
• ANSYS, Inc (미국)
• SAP SE(독일)
• 오라클(미국)
• 로버트 보쉬 GmbH (독일)
• 수영 주식회사 (미국)
• Atos SE(프랑스)
• ABB(스위스)
• KELLTON TECH(인도)
• AVEVA 그룹 plc (영국)
• DXC Technology Company (미국)
• 알테어 엔지니어링 주식회사(미국)
• Hexaware Technologies Limited(인도)
• Tata Consultancy Services Limited(인도)
• Infosys Limited(인도)
• NTT DATA, Inc. (일본)
• TIBCO 소프트웨어 주식회사(미국)

SKU-54296