6 Global Fintech Trends 2025

Financial technologies continue to develop rapidly, significantly influencing various aspects of our lives. I work as a CTO in our company, we have many clients from the fintech industry. I work a lot with this industry and want to share with you my insights on the main trends in global fintech.

1) Reducing the cost of services

One of the key trends is the gradual reduction in the cost of financial services for end users. Technological innovations, including process automation, the introduction of new business models can significantly reduce costs. Thanks to this, financial services are becoming more accessible to a wider audience, which is especially important for socially vulnerable categories of citizens and developing countries.
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2) The spread of biometrics

Biometric technologies are becoming the standard for user authentication today. Methods such as fingerprint scanning, facial recognition, voice and even iris recognition provide a high degree of data protection. Biometrics minimize the risk of unauthorized access by simplifying the user’s interaction with financial services.

The use of these technologies is already going beyond traditional banking, being applied in mobile banking applications, e-wallets and even in retail purchases.

• In India, DCB Bank uses the national biometric system Aadhaar to identify customers at ATMs without a PIN.
• MasterCard has teamed up with Zwipe to develop cards with an embedded fingerprint scanner, allowing payments without a PIN.
• CityGroup has also integrated voice biometrics into its processes in the Asian region.

3. Digital banks and super apps

The emergence of fully digital banking platforms and super apps has revolutionized the industry. These solutions combine a wide range of financial services – from payments and lending to investments and personal finance management – ​​into one convenient interface. These super apps not only make it easier to access finances, but also allow customers to save time by managing their resources efficiently.

• Grab is a Singapore-based taxi service that has expanded into a super app with 180 million users in Southeast Asia. It integrates GrabPay (payments), food delivery, courier services, streaming, and even telemedicine.
• Revolut is a neobank with 35 million users that has turned into a fintech super app, offering multi-currency accounts, cryptocurrencies, stock trading, insurance, hotel booking (Revolut Stays), a chat for discussing finances, virtual cards.

4. The popularity of BNPL

The “buy now, pay later” (BNPL) model is gaining popularity, offering customers an alternative to traditional credit instruments. Unlike standard loans, BNPL provides flexible payment terms that are not accompanied by complex registration procedures.

This model is especially popular among genZ, who are accustomed to digital solutions. The key advantages of BNPL are transparency of conditions, no hidden fees, and ease of use. This area is demonstrating stable growth, which is confirmed by the expansion of the number of companies offering such services.

FinTech startup Borrow to Send offers the Buy Now Pay Later application with a wide range of functions. Its main function is to build business logic for issuing microloans and simplifying money transfers. In addition, it provides seamless integration with marketplaces, which allows them to offer their products to application users. Akdev developed the MVP of this project.

5. Artificial Intelligence and Automation

Artificial intelligence (AI) is becoming an increasingly important tool for personalizing financial services. Machine learning algorithms analyze huge amounts of data, helping companies better understand customer needs and offer them individual solutions. In addition, AI is actively used to prevent fraud, analyze transactions in real time, and improve the efficiency of internal processes.

Discover Financial has created a virtual assistant, Discover, powered by generative AI that can provide direct customer assistance and provide additional information to Discover agents, creating a smoother, more efficient, and more enjoyable experience for customers around the world — on any channel they choose.

6. Increased Cybersecurity

With the number of online transactions and the volume of user data growing each year, the threat of cyberattacks is becoming more pressing. Global losses from online payment fraud are projected to exceed $362 billion between 2023 and 2028. (Juniper Research)

In 2025, companies will continue to prioritize cybersecurity. Key aspects of this trend include the use of biometric authentication, the implementation of AI-based systems for fraud detection, and the creation of security standards for partner ecosystems.

Fintech makes financial services more secure, personalized, and accessible. Companies should deeply understand current trends and actively implement innovations to help them stay ahead and quickly adapt to customer needs.