The market is forecast to reach $250 billion by 2025 with an 11.7% CAGR. Tighter global regulations drive the industry to shift to low-interest, compliance-focused development instead of high-profit expansion.

Southeast Asia has differentiated growth, Latin America faces policy instability, and Africa balances scale and risk control. The industry is shifting from traffic-driven to scenario-based finance, with AI risk management crucial. It is evolving toward building long-term value-oriented financial health ecosystems.