Generative Artificial Intelligence (AI) in Lending Market Report 2026

The generative artificial intelligence (ai) in lending market size has grown exponentially in recent years. It will grow from $3.86 billion in 2025 to $4.65 billion in 2026 at a compound annual growth rate (CAGR) of 20.6%. The growth in the historic period can be attributed to increasing digitization of lending processes, growth of fintech lending platforms, rising demand for faster credit approvals, availability of alternative borrower data sources, expansion of online lending channels.

The generative artificial intelligence (ai) in lending market size is expected to see exponential growth in the next few years. It will grow to $9.68 billion in 2030 at a compound annual growth rate (CAGR) of 20.1%. The growth in the forecast period can be attributed to increasing investments in ai-powered lending platforms, rising focus on financial inclusion initiatives, expansion of cloud-based lending infrastructure, growing regulatory oversight of automated decision systems, increasing demand for real-time credit assessment. Major trends in the forecast period include increasing adoption of ai-driven credit scoring models, rising use of generative ai in loan origination, growing deployment of automated risk assessment systems, expansion of personalized lending solutions, enhanced focus on fraud detection and compliance.

The rising volume of financial transactions is expected to drive the growth of the generative artificial intelligence in lending market in the coming years. Financial transactions involve the exchange of value between two parties, typically through the transfer of money or financial assets, such as payments, purchases, or investments. This increase in financial transactions is fueled by technological advancements in online banking and digital currencies, the expansion of credit availability, and the development of diverse financial instruments. Generative artificial intelligence in lending supports financial transactions by automating and personalizing the loan application process, enhancing risk assessment, and streamlining decision-making, resulting in faster approvals, more accurate credit evaluations, and a more efficient lending experience. For example, in July 2024, according to UK Finance, a UK-based banking and finance industry trade association, debit cards were the most commonly used payment method in 2023, with 24.5 billion payments, representing half of all payments in the UK. Therefore, the increasing financial transactions are propelling the growth of the generative artificial intelligence in lending market.

Key players in the generative AI lending market are focusing on developing advanced solutions, such as AI-driven lending intelligence companions, to enhance various aspects of the lending process. An AI lending intelligence companion is a tool or platform that assists lenders throughout the loan lifecycle by offering insights, recommendations, and automation. For instance, in February 2024, Zest AI, a US-based financial platform developer, introduced LuLu, an AI-powered lending intelligence companion designed to improve the efficiency and effectiveness of lending organizations. This tool allows users to ask questions in natural language and receive tailored, accurate responses almost instantly, thus streamlining access to critical lending insights and performance metrics.

In July 2025, BECU (Boeing Employees’ Credit Union), a US-based credit union and financial services provider, acquired EarnUp Inc. for an undisclosed amount. Through this acquisition, BECU seeks to accelerate its digital transformation and improve member experience by incorporating advanced AI-powered financial tools and expertise into its lending and financial management systems. EarnUp Inc. is a US-based fintech firm specializing in AI-enabled digital lending, loan management, and automated repayment solutions.

Major companies operating in the generative artificial intelligence (ai) in lending market are Upstart Network Inc, Fair Isaac Corporation, Experian plc, Equifax Inc, Zest AI Inc, Scienaptic AI Inc, Provenir Inc, Underwrite.ai Inc, C3.ai Inc, DataRobot Inc, Kavout Corporation, Kabbage Inc, Tink AB, LenddoEFL, CredoLab, Amount Holdings Inc, Ocrolus Inc, Riskified Inc, Feedzai Inc, Socure Inc, Affirm Holdings Inc, Pagaya Technologies Ltd.

North America was the largest region in the generative artificial intelligence in lending market in 2025. The regions covered in the generative 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 generative 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 generative artificial intelligence in lending market includes revenues earned by entities by providing services such as automated loan processing, customer service and chatbots, and document generation and management. The market value includes the value of related goods sold by the service provider or included within the service offering. Only goods and services traded between entities or sold to end consumers are included.

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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