AI in Fintech Market to Reach USD 83.1 Billion by 2030 with Rapid Adoption in Fraud Management and Cloud Solutions

Overview of the AI In Fintech Market 

The AI In Fintech Market was valued at USD 30 billion in 2025 and is expected to reach USD 83.1 billion by 2030, growing at a CAGR of 22.6%. The growth is driven by the adoption of cloud-native AI platforms, open-banking regulations that allow access to detailed customer data, and the development of real-time payment systems. These technologies help financial institutions, including mid-tier banks, reduce operational costs, improve risk management, and deliver faster, more personalized services to their customers. 

Key Trends 

Open Banking Mandates Accelerating AI-Led Automation 

PSD3 and similar mandates give AI access to multi-institution data, enabling real-time credit scoring and personalized offers. Mid-tier banks leverage compliance investments to boost innovation. 

Explosion of Real-Time Payments Data Streams 

AI analyzes instant payment streams to detect fraud quickly and optimize cash flow, while back-office automation frees staff for higher-value tasks. 

Cloud-Native AI Platforms Lowering TCO for Mid-Tier Banks 

Cloud adoption lowers costs and improves scalability for mid-tier banks, allowing faster data processing and efficient resource use. 

Generative AI Copilots Reducing Model-Risk-Management Cycle Times 

AI assists in model documentation, regulatory compliance, and validation, reducing cycle times and speeding up credit or trading model deployment. 

Check out more details and stay updated with the latest industry trends, including the Japanese version for localized insights: https://www.mordorintelligence.com/ja/industry-reports/ai-in-fintech-market?utm_source=Industrytoday.co.uk  

Market Segmentation 

By Component: 

• Solutions 
• Services 

By Deployment Mode: 

• Cloud 
• On-premise 

By Application: 

• Fraud and Risk Management 
• Chatbots and Virtual Assistants 
• Credit Scoring and Underwriting 
• Quantitative and Asset Management 
• RegTech and Compliance Analytics 
• Others 

By Organization Size: 

• Large Enterprises 
• SMEs and Neo-banks 

By End-User: 

• Retail Banking 
• Insurance 
• Investment and Wealth Management 
• Payments and Remittances Providers 
• Others 

By Geography: 

• North America: United States, Canada, Mexico 
• South America: Brazil, Argentina, Chile, Rest of South America 
• Europe: Germany, United Kingdom, France, Italy, Spain, Rest of Europe 
• Asia-Pacific: China, India, Japan, South Korea, Malaysia, Singapore, Australia, Rest of Asia-Pacific 
• Middle East and Africa: UAE, Saudi Arabia, Turkey, Rest of Middle East; South Africa, Nigeria, Rest of Africa 

AI In Fintech Market Companies 

• Intel Corporation 
• Amazon Web Services, Inc. 
• International Business Machines Corporation (IBM) 
• ComplyAdvantage Ltd. 
• Microsoft Corporation 

Explore more insights on AI In Fintech Market competitive landscape: https://www.mordorintelligence.com/industry-reports/ai-in-fintech-market/companies?utm_source=Industrytoday.co.uk   

Dominating Country 

North America is the largest market for AI in Fintech, accounting for a significant share of global revenue. The region benefits from widespread adoption of cloud-native AI platforms, real-time payment infrastructure, and regulatory frameworks that encourage data sharing. Leading financial institutions leverage AI to streamline operations, detect fraud more effectively, and offer personalized services.  

Conclusion 

The AI in Fintech market is experiencing strong growth as financial institutions increasingly adopt AI-driven solutions to improve efficiency, manage risk, and enhance customer experiences. Key trends such as open-banking mandates, real-time payment data, cloud-native platforms, and generative AI are shaping how banks, insurance companies, and payment providers operate. 

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