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Global Digital Lending Platform Market By Offering (Solutions (Digital Lending Platform and Point Solutions) and Services), By Deployment Mode (Cloud and On-Premises), By End-User (Banks, Credit Union and NBFCs), By Region (North America, Europe, Asia-Pacific, South America and The Middle East & Africa-Global Forecast to 2030.
What is a Digital Lending Platform?
A digital lending platform permits lenders and borrowers to lend money digitally or electronically, delivering clarity, enhanced user experience, and lower overhead through customer validation time savings. The procedure starts with user registration, online documentation compilation, client authentication and verification, loan approval, loan allocation, and loan recovery. This software is evolving more popular among banks since it delivers smooth monitoring and improved profitability. The association now can automate, streamline, and handle the whole loan processing life cycle by enforcing digital platforms.Growth Drivers
Advancement in the direction of Organizations on digitalizing their Financial Services
Digitalization has been one widely adopted financial services method to improve core processing capabilities and offer better consumer services and insights. In addition, these organizations have reportedly raised their sales percentage by concentrating on the digitalization of their financial services. Analysis has shown that acquisitions in financial technologies noticed notable growth in 2018, almost twice that of 2015. In addition, more than half of these investments have been associated with lending and payments. Digitization in the lending landscape has supported organizations and consumers for better loan management judgments and rapid application and disbursement methods. Thus, the growth in the focus of organizations on digitalizing their financial services to achieve company efficiency and enhanced effects push the development of the digital lending platform market.Opportunities
The rise in usage of AI, machine learning, and blockchain-based digital lending platforms and solutions
AI, ML, and blockchain are among the trending technologies foreseen to add developed abilities to digital lending platforms and unlock new growth lanes. Integrating these technologies delivers an easy, fast, and transparent raising of loans. AI- and ML-based algorithms can process loan applications within moments, creating the approval procedure truly scalable. In addition to this, a blockchain-based lending platform proves a straightforward relationship between lenders and borrowers by extracting the mediators or middlemen from the lending process.Restraints
More increased reliance on traditional lending procedures
Many associations prefer traditional lending methodologies that are often time-consuming and monotonous. Due to their set customer base and traditional ways of credit underwriting, they cannot adopt inventions. Furthermore, the lack of attention to digital lending and training and skillsets to drive progressive solutions are the significant elements accountable for less automatic and developed digital lending processes.Network connectivity and infrastructural problems
The growing and underdeveloped nations in the world always operate legacy telecom infrastructure unable to deliver low latency and high-capacity connectivity. Poor internet speed can show poor customer knowledge. Since all the services delivered by digital lending platforms are online, having a slow connection will cause reduced quality of service. The absence of high-speed internet drives it challenging to implement digital lending solutions.Pre Covid-19 Impact on Global Digital Lending Platform
Before the Covid-19 outbreak, with the adapt of customer requirements and growing importance for online financing services, BFSI businesses are rapidly executing digital business measures. In particular, digitization helps BFSI firms authorize customers to choose the channel of their selection. According to Insider Intelligence’s Mobile Banking Competitive Edge Study, 89% of survey respondents noted that they use mobile banking. Moreover, a huge 97% of millennials indicated that they used mobile banking before the pandemic.Covid-19 Impact on Global Digital Lending Platform
Due to the outbreak of COVID-19, different countries follow stringent lockdowns, shutdowns, and mobility constraints to avoid spreading the virus. During the COVID-19 emergency, there has been an evolution in all FinTech types, which include payment investments, lending, and overall banking. Although lending platforms have more irregular customers comparatively, they have noticed an increase of 25% in users. It is mainly due to many organizations requiring quick loan approvals to restart their businesses during troubled spans. People have also begun to choose contactless markets to control the spread of the virus.Post Covid-19 Impact on Global Digital Lending Platform
After the Covid-19 outbreak, 1.9 billion customers worldwide are using online banking services Online banking applications, in particular, can help financial service providers adapt to changing business conditions and contactless transactions in their respective current markets. As a result, the advanced use of online banking channels will likely drive demand for digital lending platforms. Inventions in the latest technologies, such as blockchain, Artificial Intelligence (AI), machine education, and big data, connected with strategic deployment of the latest technology, such as e-mandates, biometric-enabled authentication, and e-signatures, are predicted to recreate a vital role in pushing the market growth after the pandemic.By Offering Segmental Analysis
Based on offering segment analysis, the market is classified into solutions and services, and the solutions segment is bifurcated into a digital lending platform and point solutions. The Services segment will have a more increased growth during the forecast period. The Digital Lending Market Services segment is predicted to have a higher growth rate during the forecast period. Services presented in the market are categorized into consulting, performance, and support and supervision services. These services help organizations select the right solution, integrate it with their existing infrastructure, provide maintenance and support, and resolve issues over time. By Deployments Mode The market is classified into cloud and on-premises based on the deployment model. The on-premise segment calculates for the largest market share. Financial institutions are opting for on-premise digital lending platforms as part of their endeavors to stop cyber risks in reaction to the increasing number of happenings concerning data violations and cyber-attacks.By End-User Segmental Analysis
Based on the End-User segment, the market is classified into Banks, Credit Union and NBFCs. The Bank (Loan) Origination segment dominates the forecast period. The Loan Origination segment has a more increased share of the Solutions market. Loan origination solution is utilized for considerable functions, including online loan application by the borrower, uploading of essential documents, an inspection of loan application by the lender, and supporting or refusing the loan.By Regional Segmental Analysis
Based on region segment, the market is classified into North America, Europe, Asia-Pacific, South America and The Middle East & Africa. Asia-Pacific region has registered the highest growth during the forecast period. The Asia-Pacific Digital Lending Market is calculated to have strong growth in the future. Government endeavors to boost the digital infrastructure are accountable for pushing the adoption of Digital Lending solutions in the region. The Asia Pacific is expected to be the fastest-growing demand due to fast economic expansions, globalization, digitalization, and smartphone expansion.Competitors Analysis
The companies include Fiserv, Newgen Software, Ellie Mae, FIS, Mambu, CU Direct Agro, Sigma Info Solutions, Tavant Technologies, Docutech Roostify, Wipro and other prominent players in the global digital lending platform market. Key Stakeholders- Market research and consulting firms
- Digital Lending Platform Associates
- Local Governments
- Regulatory bodies
- Digital Lending Platform Market
- Suppliers
- Retailers
- Service Providers
Recent Developments
- In July 2021, Newgen Software established its new digital transformation platform, NewgenONE. The medium allows to manage undeveloped information and improve customer attention.
- In June 2021, TPBank of Vietnam partnered with Nucleus Software to certify its digital commerce. FinnOne Neo allowed TPBank to deliver instant digital loans, enhance function efficiency, and better credit assessments.
- In January 2021, Fiserv developed Ondot Systems Inc., a provider of digital experience platforms. It would help Fiserv to improve its portfolio with digital solutions.
- In September 2020, ICE Mortgage Technology obtained Ellie Mae, a leading digital lending provider. The purchase enabled ICE to accelerate the automation of mortgage processes.
- In May 2020, FIS established its new FIS Portal to support small businesses with loan forgiveness. It executes the FIS Real-time Lending Platform to automate and optimize the PPP loan forgiveness method.
Scope of the Report
| Report Attribute | Details |
|---|---|
| Market Size Value in 2021 | USD 7.20 Billion |
| The revenue forecast in 2028 | USD 29.13 Billion |
| Growth Rate | CAGR of 18.13 % from 2022 to 2028. |
| Historical data | 2018 – 2020 |
| Forecast period | 2022 – 2028 |
| Region covered | North America, Europe, Asia-Pacific, South America, and Middle East & Africa |
| Key companies Profiled | The Companies include Fiserv, Newgen Software, Ellie Mae, FIS, Mambu, CU Direct Agro, Sigma Info Solutions, Tavant Technologies, Docutech Roostify and Wipro key players. |
Market Modelling
By Offering- Solutions
- Digital Lending Platform
- Point Solutions
- Services
- Cloud
- On-Premises
- Banks
- Credit Union
- NBFCs
- North America
- Europe
- Asia-Pacific
- South America
- The Middle East & Africa
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Report Content
- Research Strategic Development
1.1. Market Modelling
1.2. Product Analysis
1.3. Market Trend and Economic Factors Analysis
1.4. Market Segmental Analysis
1.5. Geographical Mapping
1.6. Country Wise Segregation
- Research Methodology
2.1. Identification of Target Market
2.2. Data Acquisition
2.3. Refining of Data/ Data Transformations
2.4. Data Validation through Primary Techniques
2.5. Exploratory Data Analysis
2.6. Graphical Techniques/Analysis
2.7. Quantitative Techniques/Analysis
2.8. Visual Result/Presentation
- Executive Summary
- Market Insights
4.1. Supply Chain Analysis
4.2. Economic Factor Analysis
4.2.1. Drivers
4.2.2. Trends
4.2.3. Opportunities
4.2.4. Challenges
4.3. Technological Landscape
4.4. Competitors & Product Analysis
4.5. Regulatory Framework
4.6. Company market share analysis, 2022
4.7. Porter’s Five forces analysis
4.8. Price point analysis
4.9. New Investment Analysis
4.10.PESTEL Analysis
4.11.Impact of COVID-19
4.11.1. Pre-Covid-19
4.11.2. Covid-19 Impact
4.11.3. Post Covid-19 Impact
- Global Digital Lending Platform Market, 2017-2030
5.1. Market size & Forecast, 2017-2030
5.1.1. Demand
5.1.1.1. By Value (USD Billion)
5.2. Market Share & Forecast, 2017-2030
5.2.1. By Offering
5.2.1.1. Solutions
5.2.1.2. Digital Lending Platform
5.2.1.3. Point Solutions
5.2.1.4. Services
5.2.2. By Deployment Mode
5.2.2.1. Cloud
5.2.2.2. On-Premises
5.2.3. By End-User
5.2.3.1. Banks
5.2.3.2. Credit Union
5.2.3.3. NBFCs
5.2.4. By Region
5.2.4.1. North America
5.2.4.2. Europe
5.2.4.3. Asia Pacific
5.2.4.4. The Middle East & Africa
5.2.4.5. South America
- North America Digital Lending Platform Market, 2017-2030
6.1. North America Digital Lending Platform Market size & Forecast, 2017-2030
6.1.1. Demand
6.1.1.1. By Value (USD Billion)
6.2. North America Digital Lending Platform Market Share & Forecast, 2017-2030
6.2.1. By Offering
6.2.1.1. Solutions
6.2.1.2. Digital Lending Platform
6.2.1.3. Point Solutions
6.2.1.4. Services
6.2.2. By Deployment Mode
6.2.2.1. Cloud
6.2.2.2. On-Premises
6.2.3. By End-User
6.2.3.1. Banks
6.2.3.2. Credit Union
6.2.3.3. NBFCs
6.2.4. By Country
6.2.4.1. US
6.2.4.2. Canada
6.2.4.3. Mexico
- Europe Digital Lending Platform Market, 2017-2030
7.1. Europe Digital Lending Platform Market size & Forecast, 2017-2030
7.1.1. Demand
7.1.1.1. By Value (USD Billion)
7.2. Europe Digital Lending Platform Market Share & Forecast, 2017-2030
7.2.1. By Offering
7.2.1.1. Solutions
7.2.1.2. Digital Lending Platform
7.2.1.3. Point Solutions
7.2.1.4. Services
7.2.2. By Deployment Mode
7.2.2.1. Cloud
7.2.2.2. On-Premises
7.2.3. By End-User
7.2.3.1. Banks
7.2.3.2. Credit Union
7.2.3.3. NBFCs
7.2.4. By Country
7.2.4.1. Germany
7.2.4.2. UK
7.2.4.3. France
7.2.4.4. Italy
7.2.4.5. Rest of Europe
- Asia Pacific Digital Lending Platform Market, 2017-2030
8.1. Asia Pacific Digital Lending Platform Market size & Forecast, 2017-2030
8.1.1. Demand
8.1.1.1. By Value (USD Billion)
8.2. Asia Pacific Digital Lending Platform Market Share & Forecast, 2017-2030
8.2.1. By Offering
8.2.1.1. Solutions
8.2.1.2. Digital Lending Platform
8.2.1.3. Point Solutions
8.2.1.4. Services
8.2.2. By Deployment Mode
8.2.2.1. Cloud
8.2.2.2. On-Premises
8.2.3. By End-User
8.2.3.1. Banks
8.2.3.2. Credit Union
8.2.3.3. NBFCs
8.2.4. By Country
8.2.4.1. China
8.2.4.2. India
8.2.4.3. Japan
8.2.4.4. Australia
8.2.4.5. Rest of Asia pacific
- The Middle East & Africa Digital Lending Platform Market, 2017-2030
9.1. The Middle East & Africa Digital Lending Platform Market size & Forecast, 2017-2030
9.1.1. Demand
9.1.1.1. By Value (USD Billion)
9.2. The Middle East & Africa Digital Lending Platform Market Share & Forecast, 2017-2030
9.2.1. By Offering
9.2.1.1. Solutions
9.2.1.2. Digital Lending Platform
9.2.1.3. Point Solutions
9.2.1.4. Services
9.2.2. By Deployment Mode
9.2.2.1. Cloud
9.2.2.2. On-Premises
9.2.3. By End-User
9.2.3.1. Banks
9.2.3.2. Credit Union
9.2.3.3. NBFCs
9.2.4. By Country
9.2.4.1. Saudi Arabia
9.2.4.2. UAE
9.2.4.3. South Africa
9.2.4.4. Rest of The Middle East & Africa
- South America Digital Lending Platform Market, 2017-2030
10.1. South America Digital Lending Platform Market size & Forecast, 2017-2030
10.1.1. Demand
10.1.1.1. By Value (USD Billion)
10.2. South America Digital Lending Platform Market Share & Forecast, 2017-2030
10.2.1. By Offering
10.2.1.1. Solutions
10.2.1.2. Digital Lending Platform
10.2.1.3. Point Solutions
10.2.1.4. Services
10.2.2. By Deployment Mode
10.2.2.1. Cloud
10.2.2.2. On-Premises
10.2.3. By End-User
10.2.3.1. Banks
10.2.3.2. Credit Union
10.2.3.3. NBFCs
10.2.4. By Country
10.2.4.1. Brazil
10.2.4.2. Argentina
10.2.4.3. Rest of South America
- Competitor Analysis
11.1. Company Description
11.2. Financial Analysis
11.3. Key Products
11.4. Key Management Personnel
11.5. Contact Address
11.6. SWOT Analysis
11.7. Company profile
11.7.1. Fiserv
11.7.2. Newgen Software
11.7.3. Ellie Mae
11.7.4. FIS
11.7.5. Member
11.7.6. CU Direct
11.7.7. Agro
11.7.8. Sigma Info solutions
11.7.9. Tavant Technologies
11.7.10. Docutech Roostify
11.7.11. Wipro
11.7.12. Other Prominent Players
Frequently Asked Questions (FAQ):
The digital lending platform permits lenders and borrowers to lend money digitally or electronically, delivering clarity, enhanced user experience, and lower overhead through customer validation time savings. The procedure starts with user registration, online documentation compilation, client authentication and verification, loan approval, loan allocation, and loan recovery.
Digital Lending Platform Market size is estimated to reach USD 42.13 Billion by 2030, growing at a CAGR of 15.13% from 2021 to 2030 and it was valued at USD 12.20 Billion in 2022.
The banking segment has the highest share in the global digital lending platform market.
The Companies include Fiserv, Newgen Software, Ellie Mae, FIS, Mambu, CU Direct Agro, Sigma Info Solutions, Tavant Technologies, Docutech Roostify and Wipro key players in the global digital lending platform market.
The fast growth of the global digital lending platform market is attributed to a continued expansion in digitalization endeavors among financial organizations and increasing government initiatives for digital lending in growing countries, such as India and China. In contrast, technological advancements, such as AI integration in digital lending platforms and the rise in penetration of cloud-based platforms, are expected to offer major opportunities for the digital lending platform market development during the forecast period.
