20191231_艾瑞咨询_2019年中国金融科技价值研究报告（50页）.pdf
2019&22019.12 iResearch I Fintech 2019-2021 FSB 32019.12 iResearch I+2019 8 AI 2022 90.4 RPA RPA 2022 42.5 4 1 2 3 452019.12 iResearch IIT 20 80 FinTech 2015 IT P2P 2016 2018 P2P P2P IT IT 2004 2004-2012 2013-2015 2016-2018 2018 IT 62019.12 iResearch I+2019 1993 2014 1 2015 1 2015 7 2017 5 2019 8 2017 7 710%18%30%50%45%36%28%28%25%12%9%9%20182017201610 30 200 200 200 10 2018 2017 18 25%73.291.32017 2018 25%2016-2018 2017-2018 2019.12 iResearch I 2019.12 iResearch I82019.12 iResearch I/IT/A B B A/AI 92019.12 iResearch I419.5491.2569.3665.6768.7104.9120.8138.8157.5181.93.54.14.96.28.40.60.91.72.53.72018 2019e 2020e 2021e 2022e 2018-2022 Fintech Fintech Fintech 3 IT IT 1 3 IT 10 1 2 3 4112.1 2.2 12 2019.12 iResearch I Statista IPRdaily&incoPat 166180183186190191208209211258271279345393427447469100211471205 PayPalCapital OneMicrosoftYahooBizmodelineFacebookEBAYToshibaVISASamsungWalMart IBMMastercard 33497967=2018 Top2042%Top20 2018 20 42%13 FATE WeBASE FISCO BCOS 10 We 2019.12 iResearch I 1 2 1 2 3 4 PaaS 1 Hyperledger 2314 AI AI AI 2019.12 iResearch I Federated Machine Learning:Concept and Applications 1./3.2./vs.A B X X A B C A B（2）（2）（4）（4）1 2 3 4 152.1 2.2 162019.12 iResearch I 1.2.172.1 2.2 2.2.1 2.2.2 182019.12 iResearch I 2018 GDP 60%37%37%2017Q2-2018Q2 2018 GDP VS 60%192019.12 iResearch I+IoT+IoT N N/2 1 2 1 2 202019.12 iResearch I 2017-2018 110-400/2016-2017 2018-2019 1000/10-30/120-300/VS VS 010020030040050060070080090010002014Q12014Q22014Q32014Q42015Q12015Q22015Q32015Q42016Q12016Q22016Q32016Q42017Q12017Q22017Q32017Q42018Q12018Q22018Q32018Q42019Q12019Q22019Q3 2018 2014Q1-2019Q3 212019.12 iResearch I+Fintech 后+Fintech 中+Fintech 222019.12 iResearch I VS 79%2019 5 iClick N=1794 VS 79%29%22%232019.12 iResearch I A B Step 1 Step 2+A B C 242019.12 iResearch I1722220235242833095936581380172013 2014 2015 2016 2017 2018 2012 2018 17.2%2017 97%100%5%1-5%1%=/=/2017 37%43%49%60%59%60%97%102%109%2013-2018 VSCAGR 17.2%252019.12 iResearch I 262019.12 iResearch I 2013 1.2 2018 190.5 2018 PCI DSS/PCI DSS Verizon 2018 1.2 6.0 12.2 58.8 120.3 190.5 2013 2014 2015 2016 2017 201820.0%37.1%48.4%55.4%52.5%2013 2014 2015 2016 20172013-2018 2013-2017 PCI DSS2018 2018 1+2018 2018 10 2018 7 POS 2018 8 2017 272019.12 iResearch I+Fintech 282.1 2.2 2.2.1 2.2.2 292019.12 iResearch I 302019.12 iResearch I 01 02 03 Excel 312019.12 iResearch I AI 01 02 322019.12 iResearch I 1 2=7*24 2018-2022 44.1 102.9 44.1 44.1 17.6 27.7 70.3 34.1 29.8 12.8 0.3 0.8 0.4 0.5 0.1 0.2 0.7 0.4 0.6 0.03 2018 2019e 2020e 2021e 2022e 332019.12 iResearch I ABS IT 01 02 03 34 1 2 3 4352019.12 iResearch I ABCD 3O/机构间对账/供应链金融/仲裁链Cloud Computing分布式银行核心系统/高扩展性金融云/API/SDK 服务/Big Data/大数据风控/差异化服务/大数据精准营销Artificial IntelligenceFedAI 合作生态/智能服务/智能营销/智能资管/Blockchain FISCO BCOS ABCD 3O ABCD 3O Open Platform Open Innovation Open Collaboration 3O AI AI 362019.12 iResearch I FATE FATE Federated AI Technology Enabler AI AI 19 6 FATE Linux Foundation A B FATE FATE FATE-Serving FATE-Board Pipeline FATE-Flow FATE FederatedML EggRoll Federated Network AI FATE FATE 372019.12 iResearch I/1 LR AUC 14%2 AUC homo-LR 1000+38+A B C A B C 38 2018 12 11000 50%30%“B A S IC”2019.12 iResearch I BASIC BASICBlockchain AISecurity IoTCloud computing+1 10 100 1 10 100 N 392019.12 iResearch I AI 40 400 8.8 50 2.16“3D”ReID 3 3D 0.1 0.005 30%2019.12 iResearch I ATM 37 30000 100 APP“”e 412019.12 iResearch I 2013 10 x 40%15 2000 10 2-3 100/x AI 150 90 10 20 JDBaaS 13 700 5 SKU 280 3 4 13 50%x 42 1 2 3 4432019.12 iResearch I 2017 10 17 CBinsights,37%,10%,9%,6%,6%,6%,4%,4%,19%2017 5 2018 8 2013-2017 4%2017.6 2017.12 2018 2018.52018.5 2018.8 2018.11 2017.5 2017-2018 2013-2017 4%442019.12 iResearch I 2013 2014 2019 3 API 452019.12 iResearch I 2019 2018 2019 24.229.938.956.990.4 23.6%30.2%46.3%58.8%2018 2019e 2020e 2021e 2022e2018-2022%462019.12 iResearch I RPA RPA RPA OCR NLP 68%RPA 15%RPA 17%RPA RPA RPA RPA RPA AI RPA RPA RPA RPA OCR AI 2018-2022 RPA 23.5 26.5 30.5 35.6 42.5 13.0%14.8%16.8%19.4%2018 2019e 2020e 2021e 2022e%472019.12 iResearch I 48 Keep Learning 400-026-2099 49
