북미 디지털 렌딩 플랫폼 시장 – 2029년까지의 산업 동향 및 예측

북미 디지털 렌딩 플랫폼 시장 분석 및 규모

현재 여러 회사가 차세대 엔드투엔드 클라우드 기반 대출 플랫폼을 출시하고 있습니다. 또한, 지불 추세의 발전으로 금융 기관은 생산성, 수익 및 서비스 속도를 개선하기 위해 DLP를 구현하고 있습니다.

Data Bridge Market Research는 디지털 대출 플랫폼 시장이 2021년에 17억 3,000만 달러 규모로 평가되었으며, 예측 기간 동안 CAGR 20.3%로 2029년까지 75억 9,000만 달러 규모에 도달할 것으로 분석했습니다. 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 포함되어 있습니다.

북미 디지털 렌딩 플랫폼 시장 범위 및 세분화

시장 정의

The digital lending platform allows lenders and borrowers to lend money in an electronic or digital format, resulting in greater ease of use, a better user experience, and lower overhead due to client verification time savings. The process begins with user registration and continues with online documentation collection, client authentication and verification, loan approval, loan distribution, and loan recovery.

Digital Lending Platform Market Dynamics

Drivers

• Growing popularity of online banking

With globalization and online banking services' growing popularity, lending processes are rapidly becoming digital. This is one of the most important factors influencing the use of DLP in the banking, financial services, and insurance (BFSI) industry for better decisions, better customer experiences, and significant cost savings. Furthermore, as a result of the coronavirus disease (COVID-19) outbreak, financial institutions all over the world are increasingly turning to digital channels for lending loans and dealing with pandemic challenges.

• Growing emphasis on digital automation

DLP provides the benefits of e-signing and easy accessibility, while the increasing reliance on smartphones and the rate of internet penetration are also driving market growth. Furthermore, the growing emphasis on digital automation is contributing to North America market growth because DLP requires minimal paperwork, reducing the likelihood of human errors. Several companies are also integrating advanced technologies to mitigate fraud, such as block chain, artificial intelligence (AI), machine learning, and analytics, which is fuelling market growth. Furthermore, the increasing prevalence of cyber threats is hastening its North America adoption.

Opportunities

• High prevalence of advanced and innovative technologies

Artificial intelligence, machine learning, and block chain are among the emerging technologies that are expected to enhance the capabilities of digital lending platforms and open up new growth opportunities. Integrating these technologies allows for a simple, quick, and transparent loan-raising process. AI and machine learning-based algorithms can process loan applications in seconds, making the approval process truly scalable. Furthermore, by eliminating intermediaries or middlemen from the lending process, the block chain-based lending platform establishes a direct relationship between lenders and borrowers.

Restraints

• Data security and privacy concerns

However, challenges such as concerns about data security and privacy protection are expected to limit market growth. Several governments around the world have already begun efforts to address concerns about data security and privacy protection associated with digital lending platforms. Furthermore, because all digital platforms rely heavily on backend infrastructure and internet access, any system glitches, power outages, or connectivity issues may render digital platforms inaccessible to end users. Other challenges, such as a preference for traditional lending methods and lower levels of digital literacy in developing countries, are expected to limit market growth to some extent.

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 COVID-19 pandemic has benefited the market for digital lending platforms. Following the pandemic, credit unions and banks are expanding their digital banking offerings to better meet the needs of their customers. Furthermore, in COVID-19, banks have begun to use digital channels for lending loans under the Pay check Protection Program in greater  numbers. The Pay Check Protection Program in the United States provides funds to small businesses for up to 8 weeks. During COVID-19, 82 percent of businesses in the United States choose to apply for PPP loans online rather than through traditional channels, according to Numerated, a digital lending platform provider.

Recent Development

• In July 2021 Newgen Software will launch its new digital transformation platform, NewgenONE. The platform aids in the management of unstructured data and the enhancement of customer engagement.
• In June 2021, TPBank of Vietnam will collaborate with Nucleus Software to enhance its digital commerce. FinnOne Neo assisted TPBank in providing instant digital loans, increasing process efficiency, and improving credit assessments.
• In January 2021 Fiserv acquired Ondot Systems Inc., a provider of digital experience platforms. This would enable Fiserv to expand its digital solutions portfolio.
• In September 2020 ICE Mortgage Technology will acquire Ellie Mae, a leading digital lending platform provider. The acquisition aided ICE in speeding up the automation of mortgage processes.

North America 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

Digital Lending Platform Market Regional Analysis/Insights

The digital lending platform market is analyzed and market size insights and trends are provided by country, component, deployment model, loan amount size, subscription type, loan type and vertical as referenced above.

The countries covered in the digital lending platform market report are U.S., Canada and Mexico.

North America dominates the digital lending platform market because major players in the region, such as FIS and Fiserv, Inc., offer a variety of lending solutions on a single platform. The United States and Canada were early adopters of this technology, allowing them to dominate the lending platform market in North America.

The country section of the report also provides individual market impacting factors and changes in market regulation that impact the current and future trends of the market. Data points like down-stream and upstream value chain analysis, technical trends and porter's five forces analysis, case studies are some of the pointers used to forecast the market scenario for individual countries. Also, the presence and availability of North America brands and their challenges faced due to large or scarce competition from local and domestic brands, impact of domestic tariffs and trade routes are considered while providing forecast analysis of the country data.   

Competitive Landscape and Digital Lending Platform Market Share Analysis

The digital lending platform market competitive landscape provides details by competitor. Details included are company overview, company financials, revenue generated, market potential, investment in research and development, new market initiatives, North America presence, production sites and facilities, production capacities, company strengths and weaknesses, product launch, product width and breadth, application dominance. The above data points provided are only related to the companies' focus related to digital lending platform market.

Some of the major players operating in the digital lending platform market are:

• General Electric (U.S.)
• IBM Corporation (U.S.)
• PTC (U.S.)
• Microsoft (U.S.)
• Siemens AG (Germany)
• ANSYS, Inc. (U.S.)
• SAP SE(독일)
• 오라클(미국)
• 로버트 보쉬 GmbH (독일)
• Swim.ai, Inc. (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)
• 인포시스 리미티드(벵갈루루)
• NTT DATA, Inc. (일본)
• TIBCO 소프트웨어 주식회사(미국)

SKU-54298