Artificial Intelligence (AI) in Lending Market Report 2026

The artificial intelligence (ai) in lending market size has grown exponentially in recent years. It will grow from $11.63 billion in 2025 to $14.71 billion in 2026 at a compound annual growth rate (CAGR) of 26.5%. The growth in the historic period can be attributed to improvements in data-driven lending decisions, rising digitization of loan origination processes, increased use of alternative credit data, growing online lending platforms, early automation of customer service functions.

The artificial intelligence (ai) in lending market size is expected to see exponential growth in the next few years. It will grow to $37.28 billion in 2030 at a compound annual growth rate (CAGR) of 26.2%. The growth in the forecast period can be attributed to increasing adoption of real-time lending analytics, expansion of cloud-based lending platforms, rising focus on inclusive lending models, growing regulatory emphasis on risk transparency, increased integration of ai with core banking systems. Major trends in the forecast period include increasing adoption of ai-based credit scoring models, rising deployment of automated loan underwriting systems, growing use of ai-driven fraud detection tools, expansion of personalized lending platforms, enhanced focus on real-time risk assessment.

The growing focus on digital transformation is expected to drive the expansion of the AI in lending market in the coming years. Digital transformation refers to the integration of digital technologies across all areas of a business, fundamentally changing how organizations operate and deliver value to customers. The increasing adoption of digital transformation is driven by its ability to enhance operational efficiency, improve customer experiences, and help businesses remain competitive in a rapidly evolving digital environment. AI plays a critical role in lending-related digital transformation by streamlining lending processes, strengthening risk assessment, improving customer interactions, and boosting operational efficiency through automation and data-driven insights. For example, in July 2024, according to the European Central Bank, the Germany-based central bank for the Eurosystem, the number of contactless card payments in the second half of 2023 increased by 16%, reaching 23.2 billion compared with the same period in 2022. Therefore, the growing emphasis on digital transformation is driving the growth of the AI in lending market.

Participants in the AI in lending market are increasingly developing technologically advanced solutions, such as loan lifecycle management platforms, to deliver enhanced capabilities to customers. A loan lifecycle management solution is a comprehensive system designed to manage and automate all stages of a loan’s lifecycle, including origination, processing, servicing, and repayment. For instance, in January 2023, Temenos, a Switzerland-based banking software provider, launched an AI-driven corporate lending solution. This next-generation solution enables banks to consolidate global commercial loan portfolios and unify servicing operations on a single platform. It simplifies complex loan processing and lifecycle management across multiple lending segments and regions, supporting both large tier-one banks and regional institutions. The solution facilitates efficient servicing of a wide range of loan types, from high-volume bilateral loans to complex corporate credits, by addressing issues related to fragmented systems and limited integration, while incorporating advanced automation and best-practice workflows within the Corporate Model Bank framework.

In April 2024, Aurionpro Solutions, an India-based software company, acquired Arya.ai for an undisclosed amount. This acquisition is expected to strengthen Aurionpro’s enterprise fintech offerings by accelerating the adoption of responsible, accurate, and auditable AI to meet the evolving requirements of banks and insurers. The integration adds new capabilities across artificial intelligence, deep learning, intelligent automation, platform-as-a-service, autonomous AI platforms, and customized industry solutions, reinforcing Aurionpro’s market position. Arya.ai is an India-based provider of AI solutions focused on lending applications.

Major companies operating in the artificial intelligence (ai) in lending market are Pegasystems Inc., Newgen Software Technology Limited, IBM Corporation, American Express Banking Corp., PayPal Holdings Inc., OnDeck Capital Inc., NVIDIA Corporation, Fiserv Inc., Nucleus Software Exports Limited, SoFi Technologies Inc., Enova International Inc., LendingClub Corporation, Upstart Holdings Inc., Tavant, SymphonyAI LLC, DataRobot Inc., Prosper Funding LLC, Funding Circle Ltd., OakNorth Bank Plc, AlphaSense Inc., Figure Technologies Inc., Avant LLC, Better Mortgage Corporation, Sigma Infosolutions Ltd., Zest AI, LenddoEFL, Ellie Mae Inc., Kavout Corp.

North America was the largest region in the AI in lending market in 2025. Asia-Pacific is expected to be the fastest-growing region in the forecast period. The regions covered in the artificial intelligence (ai) in lending market report are Asia-Pacific, South East Asia, Western Europe, Eastern Europe, North America, South America, Middle East, Africa. The countries covered in the artificial intelligence (ai) in lending market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Taiwan, Russia, South Korea, UK, USA, Canada, Italy, Spain.

The AI in lending market consists of revenues earned by entities by providing services such as automated credit scoring, fraud detection, automated underwriting, loan personalization and document verification. The market value includes the value of related goods sold by the service provider or included within the service offering. The AI in lending market also includes sales of chatbots and virtual assistants, predictive analytics platforms and loan origination systems. Values in this market are ‘factory gate’ values, that is the value of goods sold by the manufacturers or creators of the goods, whether to other entities (including downstream manufacturers, wholesalers, distributors and retailers) or directly to end customers. The value of goods in this market includes related services sold by the creators of the goods.

The market value is defined as the revenues that enterprises gain from the sale of goods and/or services within the specified market and geography through sales, grants, or donations in terms of the currency (in USD unless otherwise specified).

The revenues for a specified geography are consumption values that are revenues generated by organizations in the specified geography within the market, irrespective of where they are produced. It does not include revenues from resales along the supply chain, either further along the supply chain or as part of other products.

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