Fintech continues to evolve in 2025, driven by AI innovation, regulatory changes, embedded finance, and digital transformation.From the rise of real-time payments (RTP) and stablecoins to the increasing role of AI in security and personalisation, Fintech firms must adapt to shifting consumer expectations, compliance demands, and technological advancesTechInformed has gathered insights from industry leaders to explore the most impactful trends shaping Fintech.AI and machine learning reshape financial servicesAs AI becomes more integrated into financial services, banks and Fintechs will use it to automate risk management, fraud detection, and customer interactions. However, AI’s growing role in finance also introduces new cybersecurity challenges, making AI-driven fraud prevention a priority for 2025.Glenn Fratangelo, head of fraud product marketing and strategy, NICE Actimize“2025 will mark a critical juncture in the fight against financial fraud. Generative AI (GenAI), a transformative force across industries, presents a double-edged sword. While promising unprecedented innovation, it simultaneously empowers fraudsters with advanced tools for deception. This creates an environment where staying ahead of evolving threats requires a fundamental shift in approach.“We will likely see the rise of synthetic identities, fuelled by AI, blurring the lines between real and fabricated data, challenging traditional fraud detection methods. In addition, deepfakes and AI-crafted phishing attacks will further amplify the threat, increasing the potential for large-scale breaches and the erosion of customer trust.“In 2025, banks will increasingly rely on GenAI for fraud simulation and stress testing. By simulating potential fraud scenarios, institutions can assess their systems’ resilience and train detection models to recognise emerging tactics.”2025 Informed: Data centre predictionsGareth Jones, business development director, HGS“2025 will see AI impact the industry in a different way, namely in the realm of customer service. AI will become an invaluable tool for hyper-personalisation, where customers can receive financial products and services tailored to their exact needs.“This includes personalised investment recommendations and customised loan offerings, enabling firms to leverage customer data to offer the most personalised customer experience possible.“What’s more, AI will play a more pivotal role in accessibility and security. Its applications to chatbots and virtual assistants will help organisations detect fraudulent activity quicker and more efficiently while also analysing customer interactions and identifying suspicious activities and requests.”The evolution of payments: real-time, stablecoins, and embedded finance2025 will see rapid advances in payment technology, with real-time payments (RTP), stablecoins, and embedded finance continuing to shape how money moves globally. Digital-first payment solutions will dominate, and fin
Mer. Feb 5th, 2025
