What will the future bring? This question is asked in almost every industry by the end of the year. The FinTech industry is no exception, with companies trying to predict 2025 trends extensively. But what can you really expect from the upcoming year? Find it out in this article.
The Most Important Trend Predictions for FinTech in 2025
Technology, customer preferences, global economy—all of these change, shaping the market and defining the future each year. What can be the main trends for both B2B and B2C FinTechs? How will the current situation in the world impact them? Take a look at our predictions below.
Decentralized Banking with Blockchain
Blockchain technology is a critical part of FinTech apps, which we once explained in our article on FinTech app development. With cryptocurrencies gaining popularity and value (especially after the recent US election) and the rise of stablecoins (cryptocurrencies pegged to stable assets, e.g., national currencies), we expect decentralized banking and blockchain to leave their niche and enter the mainstream.
Economic forecasts, such as those of the World Economic Forum, further strengthen this. According to the mentioned study, 10% of the world’s assets should be tokenized and stored in blockchain by the year 2027.
In addition, new platforms, such as Uniswap and SushiSwap, are being developed and opened to consumers to enable decentralized cryptocurrency exchanges. The newer solutions are also getting faster (regarding transaction speed) and more scalable, addressing the two most common concerns regarding this technology. Hence, we believe that the wider adoption of blockchain is one of the most probable FinTech trends for 2025.
Artificial Intelligence as a Must
For the past couple of years, almost every list of future trends, no matter the industry, mentioned artificial intelligence—so is the case with FinTech. AI banking solutions are becoming widespread, offering multiple benefits, such as:
- scalability,
- extreme data processing capabilities,
- opportunity to hyper-personalize your services,
- predictive analytics,
- and many more.
Artificial intelligence, along with machine learning, has started to shape the finance industry, and there are no indications that this will stop in the near future. After all, many FinTech companies still have yet to unlock these technologies’ full potential, but this will slowly change in the upcoming year.
Shifting Market Domination
Currently, the US market is still the largest player when it comes to FinTech. Yet, we can observe trends that prove that this will change. The shift will start in 2025, but it will not be completed until 2030, when, according to the BCG Report, the Asia-Pacific region will begin its domination.
Therefore, FinTechs need to start taking an active interest in this region right now since the competition there might get fierce in the next few years. Especially since gaining a competitive advantage in this region might lead to your business becoming a new FinTech giant.
Planning to enter the Asia-Pacific market? Discover our Campaign & Notification Manager for FinTech, which will help you automate and promote your services in this region!
The Takeaway
The 2025 market trends for the FinTech industry are a mixture of new trends and ones that we have already been observing for some time. Nevertheless, understanding them and preparing for the changes is crucial—after all, they will shape the future FinTech market, so why wait if you can react right away?
You may also read: How Does Composable Technology Improve Experiences in Financial Services?
References:
- World Economic Forum. (2024, January). Blockchain: In from the cold and set to disrupt the world of finance. World Economic Forum. https://www.weforum.org/stories/2024/01/blockchain-change-world-finance-stablecoins-internet/
- Boston Consulting Group, & QED Investors. (2023, May). Global fintech report 2023: Reimagining the future of finance. Boston Consulting Group. https://web-assets.bcg.com/69/51/f9ce8b47419fb0bb9aeb50a77ee6/bcg-qed-global-fintech-report-2023-reimagining-the-future-of-finance-may-2023.pdf
