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波士顿咨询&QED投资者:2025年全球金融科技报告:规模化赢家与新兴颠覆者(中译版)(38页).pdf

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1、FINANCIAL INSTITUTIONSGLOBAL FINTECH REPORT 20253RD EDITION,COAUTHORED BY BCG AND QED INVESTORSFintechs Next Chapter Scaled Winners and Emerging DisruptorsJune 202503 12 Key Highlights04 Introduction05 Despite Current Volatility,a Fintech Spring Is Underway09 Fintech Penetration Resembles Swiss Chee

2、se:Plenty of Holes 13 Forecast:Five Trends That Will Shape the Next Chapter in Fintech31 Where We Go from Here:Calls to Action35 ConclusionContentsBOSTON CONSULTING GROUP +QED INVESTORSFINTECHS NEXT CHAPTER:SCALED WINNERS AND EMERGING DISRUPTORS 312 Key HighlightsGlobal fintech revenues grew robustl

3、y at 21%in 2024(versus 13%in 2023),driven by impressive results from challenger banks and trading and investment fintechs.The pace at which fintechs outgrew incumbents in 2024.Increase in average EBITDA margins of public fintechs in 2024as fintechs continued to shift from a“growth at all costs”to a“

4、sustainable growth”mindset.The number of fintechs,globally,founded before 2016 that have raised more than$500 million in cumulative equity funding and that have not yet gone public.21%25%1503xTotal revenue generated by fintechs with more than$500 million in annual revenuerepresenting approximately 6

5、0%of the global fintech industrys total revenue.Share of global banking and insurance revenue pools penetrated by fintechswith many holes remaining by both vertical and geography.Segments out of 23 in which fintech success has been concentrated so far:digital wallets,acquiring and vertical SaaS,chal

6、lenger banking,crypto trading,and BPNL.The number of profitable challenger banks globally with at least$500 million in annual revenue.Their odds of success are higher in product and customer expansion than in global expansion.$231B5243%Future fintech growth will be driven by B2B(2X),financial infras

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根据报告的内容,本文主要概括了以下关键点: 1. **全球金融科技行业概况**:2024年,全球金融科技行业收入增长21%,其中支付领域收入占比约55%,挑战者银行收入占比约15%。美国和中国是金融科技收入的主要来源地,分别占52%和16%。 2. **金融科技行业五大趋势**: - **代理人工智能**:将推动金融科技从访问民主化向智能民主化转变,实现从自动化向自主化、个性化向超个性化的转变。 - **链上金融**:稳定币在跨境支付方面具有潜力,资产代币化可能成为链上金融的引爆点。 - **挑战者银行**:产品扩张和客户扩张的成功率高于全球化扩张。 - **B2B、金融基础设施和借贷**:将成为未来金融科技增长的主要驱动力。 - **人工智能驱动的金融科技**:获得股权融资的比例高于其“公平份额”。 3. **金融科技行业未来发展**:金融科技行业正迎来“春天”,但成功并非必然,需要各方采取行动。
AI将如何改变金融科技的未来? 区块链金融的下一个杀手级应用是什么? 挑战者银行如何实现持续增长?
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