In 2025, ** percent of adults in the United States invested in the stock market. This figure has remained steady over the last few years and is still below the levels before the Great Recession, when it peaked in 2007 at ** percent. What is the stock market? The stock market can be defined as a group of stock exchanges where investors can buy shares in a publicly traded company. In more recent years, it is estimated an increasing number of Americans are using neobrokers, making stock trading more accessible to investors. Other investments A significant number of people think stocks and bonds are the safest investments, while others point to real estate, gold, bonds, or a savings account. Since witnessing the significant one-day losses in the stock market during the financial crisis, many investors were turning towards these alternatives in hopes for more stability, particularly for investments with longer maturities. This could explain the decrease in this statistic since 2007. Nevertheless, some speculators enjoy chasing the short-run fluctuations, and others see value in choosing particular stocks.

In financial year 2024, ****************** unique investors were registered on the National Stock Exchange of India. It was a significant increase from the previous year.

In 2025, stock markets in the United States accounted for roughly ** percent of world stocks. The next largest country by stock market share was China, followed by the European Union as a whole. The New York Stock Exchange (NYSE) and the NASDAQ are the largest stock exchange operators worldwide. What is a stock exchange? The first modern publicly traded company was the Dutch East Industry Company, which sold shares to the general public to fund expeditions to Asia. Since then, groups of companies have formed exchanges in which brokers and dealers can come together and make transactions in one space. Stock market indices group companies trading on a given exchange, giving an idea of how they evolve in real time. Appeal of stock ownership Over half of adults in the United States are investing money in the stock market. Stocks are an attractive investment because the possible return is higher than offered by other financial instruments.

According to Cognitive Market Research, the global Personal Finance Management Tools Market size was USD XX million in 2024 and will expand at a compound annual growth rate (CAGR) of XX% from 2024 to 2033. Market Dynamics Key Driver

Key Drivers for Personal finance management tools market

Increasing investments in the market: The key Driver of Personal Finance Management Tools 

Increasing investment in the market Is driving the growth of financial tools, enhancing accessibility and efficiency in financial planning. The increasing investment in the market especially after Covid-19 had a significant impact on the expansion of the PFM tools market. The pandemic had a positive impact on the increase in savings and investments in the market due to future uncertainties. For instance, the study conducted on U.S. investors who have personal experience with COVID-19, who are in a vulnerable health category, who tested positive, and who know someone in their close circle of friends or family who died because of COVID-19, increase their investments by 12%. The increase in investment in the market is leading to the rise in the demand for personal finance management tools. For instance, as of 2023 about 3% of the Indian population actively invest in the stock market. This number has gradually grown, prominent reason for growth is access to technology and, more people becoming financially aware. According to NSE, more than 120 million investors were registered between 2019 and 2023 indicating a significant rise in Indian Stock Market. In January 2024 alone over 5.4 million new investors joined.

Rising financial literacy fuels the Financial Management tools market 

Financial literacy empowers individuals to make informed financial choices. The financial literacy rate among its young and adult population has been growing due to various factors including the recent advancement in technology and media coverage. Additionally, the policies formed by the government globally are leading to improved literacy rates. • For instance, the expansion of digital financial services has helped decrease the number of adults without access to an account from 2.5 billion in 2011 to 1.4 billion in 2021, with 76% of the global adult population owning an account by 2021. Countries achieving significant progress have implemented large-scale policies, such as India's Aadhaar initiative, which has provided over 1.2 billion residents with universal digital identification, facilitating the opening of Jan Dhan Yojana (JDY) accounts. Leveraging government payments has also been instrumental; for instance, 35% of adults in low-income countries who received government payments opened their first financial account for this purpose.
• For instance, according to survey each person in China, on average, had 10 accounts and 7 cards at the end of 2023. The steps taken by the government had a significant impact on financial literacy leading to financial inclusion which has made people aware about the investment choices available in the market leading to the expansion in the PFM tools market.

Restraints

Security and compliance risks pose challenges for AI-powered financial tools, making data protection crucial to prevent cyber threats and frauds.

AI-powered financial tools can pose privacy and security risks. Personal financial information is sensitive data that can be vulnerable to cyberattacks and data breaches. It's important to use financial tools that have robust security features in place to protect your information and minimize the risk of unauthorized access. The most common scams in PFM tools include phishing, insider trading, money laundering and mortgage fraud. Phishing attacks are a significant threat to the financial sector, with attackers often targeting financial institutions and individuals to steal credentials or financial information. For instance, in 2024, India saw a 175% surge in phishing attacks targeting the financial sector, with over 135,000 incidents reported from January to June. According to SlashNext’s 2024 Phishing Intelligence Report, a substantial 703% surge in credential phishing attacks was also observed in the same period. AI in financial tools presents compliance challenges related to data privacy, security, algorithmic bias, transparency, and accountability, requiring ...

This synthetic dataset captures key patterns of financial losses experienced by Indian retail traders from 2019 to 2024. It includes structured data on investment types, loss percentages, trading platforms, sources of advice, behavioral responses, and emotional outcomes.

Designed for data science and machine learning applications, the dataset is ideal for exploratory analysis, risk prediction models, behavioral finance research, and understanding the factors leading to retail investor losses in the Indian market.

Financial Coaching Tools for Retail Banking Market Outlook

According to our latest research, the Global Financial Coaching Tools for Retail Banking market size was valued at $2.1 billion in 2024 and is projected to reach $7.8 billion by 2033, expanding at a robust CAGR of 15.2% during the forecast period 2025–2033. The primary driver fueling this impressive growth is the accelerating digital transformation in the retail banking sector, as financial institutions increasingly adopt advanced digital tools to enhance customer engagement, improve financial literacy, and provide personalized financial guidance. This shift is further amplified by evolving consumer expectations for seamless, tech-driven financial experiences and the growing emphasis on financial wellness programs delivered through innovative platforms.

Regional Outlook

North America currently commands the largest share of the Financial Coaching Tools for Retail Banking market, accounting for approximately 38% of the global market value in 2024. This dominance is underpinned by the region’s mature financial services ecosystem, widespread digital literacy, and proactive regulatory frameworks that encourage innovation in banking technology. Leading US and Canadian banks have rapidly integrated financial coaching tools into their digital offerings, leveraging AI-driven analytics and personalized dashboards to enhance customer value. The presence of major fintech players and a high adoption rate of mobile banking further contribute to the region’s leadership, as does the availability of significant venture capital funding for technology-driven financial services startups. North American institutions are also at the forefront of deploying cloud-based solutions, enabling rapid scalability and continuous product improvement.

The Asia Pacific region is poised to be the fastest-growing market for Financial Coaching Tools for Retail Banking, with a projected CAGR of 18.7% from 2025 to 2033. This exceptional growth is propelled by the rapid digitalization of banking services, increasing smartphone penetration, and a burgeoning middle-class population seeking improved financial literacy and wealth management solutions. Countries such as China, India, and Singapore are witnessing substantial investments in fintech infrastructure, with both traditional banks and digital-native challengers racing to capture the expanding market for personalized financial guidance. Government initiatives aimed at promoting financial inclusion and digital payment ecosystems are also catalyzing the adoption of coaching tools, as consumers seek accessible, real-time advice for budgeting, debt management, and investment planning. The region’s youthful demographic and openness to technology adoption present a fertile ground for innovative financial coaching solutions.

Emerging economies in Latin America, the Middle East, and Africa are gradually embracing Financial Coaching Tools for Retail Banking, although adoption rates remain modest due to infrastructural limitations, variable digital literacy, and regulatory complexities. In these regions, banks and fintech firms are tailoring solutions to address localized challenges, such as language diversity, limited access to formal financial services, and the predominance of cash-based economies. Policy reforms aimed at financial inclusion, coupled with targeted educational campaigns, are beginning to drive uptake, particularly among underbanked populations. However, the pace of adoption is tempered by connectivity gaps, affordability concerns, and the need for culturally relevant content. As regulatory frameworks evolve and digital infrastructure improves, these markets represent significant long-term growth opportunities for providers willing to invest in localization and partnership strategies.

Report Scope

As of July 18, 2025, the major economy with the highest yield on 10-year government bonds was Turkey, with a yield of ** percent. This is due to the risks investors take when investing in Turkey, notably due to high inflation rates potentially eradicating any profits made when using a foreign currency to investing in securities denominated in Turkish lira. Of the major developed economies, United Kingdom had one the highest yield on 10-year government bonds at this time with **** percent, while Switzerland had the lowest at **** percent. How does inflation influence the yields of government bonds? Inflation reduces purchasing power over time. Due to this, investors seek higher returns to offset the anticipated decrease in purchasing power resulting from rapid price rises. In countries with high inflation, government bond yields often incorporate investor expectations and risk premiums, resulting in comparatively higher rates offered by these bonds. Why are government bond rates significant? Government bond rates are an important indicator of financial markets, serving as a benchmark for borrowing costs, interest rates, and investor sentiment. They affect the cost of government borrowing, influence the price of various financial instruments, and serve as a reflection of expectations regarding inflation and economic growth. For instance, in financial analysis and investing, people often use the 10-year U.S. government bond rates as a proxy for the longer-term risk-free rate.

The FMCG sector was the largest investor in the Indian advertising industry in 2024. With ** percent of the total spending, the vertical invested beyond *** billion Indian rupees into advertising that year. Other major investors included the e-commerce and the consumer durables industries. The future of Indian advertising belongs to digital With a rising digital population, India is one of the fastest-growing digital economies in the world. Both the public and private sectors in the country have shown an optimistic consumption growth. The advertisement business is no stranger to this transition. Despite the affordable pricing, broader reach, and immense popularity have led to tremendous expansion, digital advertising has not yet overtaken the conventional means yet. In 2019, television advertising, with more than *** billion Indian rupees in revenue, was still ahead of digital marketing. However, with a faster growth rate and estimated ad revenue of over *** billion Indian rupees by the fiscal year 2024, digital advertising became the leading advertising medium in India. India’s digital classifieds market The arrival of technology and the decline of the print media resulted in a shift of the classifieds advertising from a classical platform like the newspaper to contemporary digital media. India, with rising urbanization and availability of cheap internet to a young population, also saw enormous growth in the digital advertising field. In financial year 2020, the projected value of this market was more than ** billion Indian rupees. Within the sector, matrimonial services had a high value. For market expansion and better service, the majority of platforms switched to mobile-based applications. Portals such as OLX and Quikr incorporated more regional languages as well. Consequently, mobile phones generated as much as ** percent of the market’s traffic.

In financial year 2024, banks in India advanced over *** trillion Indian rupees in housing loans. This was an increase compared to the previous year. This reflected renewed homebuyer sentiment, as an increasing number of Indians were investing in buying residential property. Growth of home loans market Forty years ago, home loans were an alien concept. People would direct their provident fund savings and retirement benefits toward buying a home. However, three key institutions: HDFC, ICICI Ltd, and the State bank of India with their new lending concepts led to significant changes in the home loan market. Currently different commercial banks, NBFCs, and housing finance companies have flooded the mortgage market, and giving prospective home buyers from diverse strata of society with bargaining power and a chance at affording a home. Inflation and home loans   India is not untouched by global inflation. To address the problem, the Reserve Bank of India hiked the repo rate **** times since April 2022 to *** percent. Consequently, leading banks and housing finance companies raised their lending rates. For a prospective homebuyer, this meant a rise in tenure for home loans. In other words, equivalent monthly payments (EMIs)for homebuyers have lengthened and become more expensive. In financial year 2022, banks in India advanced around *** trillion Indian rupees in housing loans almost reaching pre-COVID levels.

India's agriculture sector was the leading industry in terms of employment in the financial year 2023 with the number of employees tallying over *** million. Meanwhile, the mining industry recorded almost *** million employees. The services sector is the next big sector in India after agriculture. Challenges facing the agriculture sector Agriculture is the mainstay of India’s workforce. It employs over 42 percent of India’s population. However, it is the lowest contributor to the country’s GDP when compared to other major sectors. Despite being one of the largest producers of crops in the world, agricultural productivity remains low. Key issues impacting productivity include the decreasing size of landholdings, dependence on monsoons, inadequate access to irrigation, lack of access to credit and finance for marginal farmers, inadequate agricultural infrastructure, vulnerability to market volatility, and climate change, among others. Service sector: Key GDP contributor The service sector contributes a lion’s share to India’s GDP. Driven by investments and a skilled workforce, India has now positioned itself on the global stage for services. Information technology, financial services, and communications are the key performing subsectors within the service industry. However, the rising labor productivity in the sector has reduced the demand for labor. This gap in output and employment parallels the disproportionately larger share of the service sector in GDP than employment.