Mercado de plataformas de empréstimos digitais no Médio Oriente e África – Tendências do setor e previsão para 2029

Análise e tamanho do mercado da plataforma de empréstimos digitais no Médio Oriente e África

Prevê-se que o mercado das plataformas de empréstimos digitais gere quantidades significativas de receitas, uma vez que tem havido um aumento na procura de mutuantes e mutuários para emprestar dinheiro em formato digital ou electrónico. Além disso, os esforços vigorosos das instituições financeiras para melhorar a experiência do cliente, as rigorosas regulamentações governamentais para os empréstimos digitais, a proliferação de smartphones e o avanço da tecnologia são outros fatores que impulsionarão o progresso do mercado.

O mercado de plataformas de empréstimos digitais do Médio Oriente e África foi avaliado em 551,81 milhões de dólares em 2021 e deverá atingir 2.060,16 milhões de dólares até 2029, registando um CAGR de 17,90% durante o período de previsão de 2022 -2029. Além dos insights de mercado, tais como o valor de mercado, a taxa de crescimento, os segmentos de mercado, a cobertura geográfica, os participantes do mercado e o cenário de mercado, o relatório de mercado com curadoria da equipa de pesquisa de mercado da Data Bridge inclui uma análise especializada aprofundada, análise de importação/exportação, análise de preços, análise de consumo de produção e análise de pilão.

Âmbito e segmentação do mercado da plataforma de empréstimos digitais do Médio Oriente e África

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

Análise/perspetivas regionais do mercado da plataforma de empréstimos digitais

O mercado das plataformas de empréstimos digitais é analisado e são fornecidos insights e tendências do tamanho do mercado por país, componente, modelo de implementação, tamanho do montante do empréstimo, tipo de assinatura, tipo de empréstimo e vertical como mencionado acima.

Os países abordados no relatório de mercado da plataforma de empréstimos digitais são os Emirados Árabes Unidos, Arábia Saudita, Egito, África do Sul, Israel, Resto do Médio Oriente e África.

Israel está a dominar a região do Médio Oriente e de África devido ao aumento das iniciativas governamentais para promover a digitalização, que estão a atrair novos investidores para formar parcerias com bancos regionais e cooperativas de crédito para digitalizar o processo de empréstimo.

A secção do país do relatório também fornece fatores individuais de impacto no mercado e alterações na regulamentação do mercado interno que impactam as tendências atuais e futuras do mercado. Pontos de dados como a análise da cadeia de valor a jusante e a montante, tendências técnicas e análise das cinco forças de Porter, estudos de caso são alguns dos indicadores utilizados para prever o cenário de mercado para países individuais. Além disso, são considerados a presença e disponibilidade de marcas globais e os desafios enfrentados devido à grande ou escassa concorrência de marcas locais e nacionais, o impacto das tarifas nacionais e das rotas comerciais, ao mesmo tempo que se fornece uma análise de previsão dos dados do país.   

Análise do cenário competitivo e da quota de mercado da plataforma de empréstimos digitais

O panorama competitivo do mercado das plataformas de empréstimos digitais fornece detalhes por concorrente. Os detalhes incluídos são a visão geral da empresa, finanças da empresa, receitas geradas, potencial de mercado, investimento em investigação e desenvolvimento, novas iniciativas de mercado, presença global, localizações e instalações de produção, capacidades de produção, pontos fortes e fracos da empresa , lançamento de produto, largura e amplitude do produto, aplicação domínio. Os dados fornecidos acima estão apenas relacionados com o foco das empresas relacionado com o mercado das plataformas de empréstimos digitais.

Alguns dos principais players que operam no mercado Plataforma de empréstimo digital são

• General Electric (EUA)
• IBM (EUA)
• PTC (EUA)
• Microsoft (EUA)
• Siemens (Alemanha)
• ANSYS, Inc (EUA)
• SAP SE (Alemanha)
• Oráculo (EUA)
• Robert Bosch GmbH (Alemanha)
• Swim Inc. (EUA)
• Atos SE (França)
• ABB (Suíça)
• KELLTON TECH (Índia)
• Grupo AVEVA plc (Reino Unido)
• Empresa de tecnologia DXC (EUA)
• Altair Engineering, Inc (EUA)
• Hexaware Technologies Limited (Índia)
• Tata Consultancy Services Limited (Índia)
• Infosys Limited (Índia)
• (Japão)
• (EUA)

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