Fintech Trends to Adopt in 2025 and Beyond

Traditional financial institutions are becoming a thing of the past every year. Over the past 5 years, there has been a trend towards the dynamic development of many niches, including Fintech, MedTech, edtech and many others. The finance industry is especially Fintech solutions popular as a driver that will provide payment processing, Peer Peer (P2P) lending, customer interaction experience and cybersecurity at all stages of cooperation in B2B or B2C relationships. 

Today, the Fintech landscape is one of the largest investment niches. At the current rate of development, according to TechMagic, its market will be valued at $698.48 billion by 2030. These fintech opportunities will provide a significant economic boost that will give modern businesses a competitive edge over other niches. 

One of the top fintech trends, Mickael Paris, Marketing Director at FinTech Scotland and one of its co-founders, said in an interview: 'Open Banking is transforming the financial services industry by providing customers and businesses with innovative ways to manage money, access credit, and transact.' There are emerging trends, undoubtedly a process that is already yielding results. Certain attitudes are needed for these results to be beneficial, as in one of our Roadmaps - capital, demand, talent and the political settlement of all this. We have a successful product with solid components that will provide positive feedback, expected performance and customer loyalty.

So, what trends are worth paying attention to in 2025

1. Mobile banking

Mobile banking is changing quite rapidly, and it is now essential for the customer to gain a successful user experience. Trends in banking services include hyper-personalization, super-apps, AI-powered services, gamification, real-time services, banking as a service, digital-only banks, and cybersecurity. Now, let's look at each aspect of this process in order.

2. Blockchain

Blockchain technology has changed fintech opportunities to many procedures that used to take a lot of time, such as sending money abroad. Nowadays, this is changed by a 'distributed database' documented in a unique block connected to previous network blocks, and everyone has access to it. However, each such transaction requires verification to complete because the data is encrypted. By 2030, the global blockchain market is expected to grow 143 times, with a total value of $1.5 trillion.

3. AI

The growing field of artificial intelligence in fintech companies is expected to reach high results by 2026 and be valued at up to $27 billion. It is worth noting that over 90% of modern Fintech companies already integrate machine learning into their services. The primary requests that can be used include cognitive automation, data analysis, quality control, customer data management, and new management strategies. Chatbots or digital assistants can contact clients directly, and predictive analytics on the investment side can be used.

For example, UBS Group, one of the world's most famous financial holdings, leverages AI for banking assistants in cooperation with a partner company. This means a premium service for VIP clients to receive investment advice and predict possible expenses. This is just one of many successful cases. In addition to chatbots, Robo-advisors are gaining popularity, as they can adapt to the changing environment faster than human advisors, present investors with the best investment alternatives to achieve their goals, and analyze vast amounts of data based on AI data analysis.

4. Smart contracts

In the Fintech industry, smart contracts are used to automate business processes without the involvement of a third party, such as a bank. As a result, it amounts to a secure legal transaction without the participation of a third party. In the future, smart contracts are expected to include the possibility of obtaining a loan, which can become a reality in just a few minutes. The point and advantage is that there is a high degree of security. Because records in smart contracts are almost impossible to hack because they are encrypted in blocks, and since such agreements are automatic and self-executing, they can be suitable for P2P, B2B, and B2C transactions. 

The banking industry sees great potential in such contracts, as they can be used to use digitized cars on the network as collateral for the Fintech landscape.

5. Embedded Finance

Embedded Finance is the seamless integration of financial products and services into non-financial applications or platforms. This will make functionality an integral part of the modern customer experience. This includes one-click payment applications, introducing branded cheque accounts and debit cards, and interest-free loans during online checkout. 

For example, embedded finance is a partnership. Embedded Finance, can create APIs to integrate banking services, such as bank accounts, on platforms and within applications. As a result, embedded Finance can offer fintech opportunities which help you to:

6. Decentralized finance (DeFi)

DeFi represents a significant shift towards an open, inclusive, transparent finance industry. This system is built on blockchain, especially on Ethereum. It provides improved opportunities for trading, investing, borrowing and lending. 

This is possible on unique platforms, mainly crypto exchanges. Such platforms offer open access only to those with an Internet connection and a cryptocurrency wallet. Transactions are recorded on the blockchain for audibility and transparency, which allows you to verify the movement of funds and the execution of smart contracts.

7. Biometric authentication

Nowadays, the use of ordinary character passwords is no longer relevant. Especially when it comes to access to Finance. According to a study by the Business Performance Innovation Network, 81% of customers are looking for firms that will allow them to quickly verify their identity through authentication rather than a bunch of passwords. The firms that use this level of security have already improved their level of security, particularly in financial services. 

Bank accounts are a priority for most consumers, so the biometrics market is expected to grow. Compliance with biometric authentication directly relates to secure data storage and processing and countering cyberattacks. It's hard to disagree with experts that unique fingerprints and voices are difficult, if possible, to fake, so they are much more secure than passwords.

Fintech companies, such as the British company IDcheck, provide biometric verification. They use facial recognition technology and motion analysis to verify identity. Biometric screening is also used for document verification, ID, and KYC.

8. Open banking

It mainly focuses on the exchange of financial information. Account holders can securely share their data with many other financial institutions, and third-party service providers can exchange data with customers thanks to available APIs. Lending and other services and expense tracking and budgeting are becoming available through open banking perspectives. 

However, according to McKinsey, only 10% of the plans have been implemented, although there are prospects. The long process can be explained by the user's slow response.

9. Customer experience and the growing popularity of super apps

The concept of super apps has revolutionized the way users interact with digital services by integrating various functionalities into a single, coherent platform. Super apps in the fintech market are characterized by their ability to provide a wide range of services within a single application, providing an ecosystem that satisfies multiple consumer needs. In financial terms, super-apps mean various banking services, such as banking, payments, investments, insurance, etc., in one convenient place. In other words, it is a digital ecosystem with a wide range of functions and services tailored to most users' needs. These apps are designed to make it easier for users to manage their finances and use additional services on the go, so user experience and seamless flow are essential.

For example, one of ARTKAI's case studies was the creation of the Prop.ly mobile app, which we described in detail in our mobile development trends article, which solved the problems of the Singaporean property market. The app completely changes the way property owners used to choose their agents. The app connects property owners with numerous real estate firms, empowering clients to make informed decisions and secure the best possible deal. As a result, our development provides clients with exciting offers, helpful information, quality and control of commission rates. Thus, a significant problem was solved best for our client.

10. BNPL services

The value of BNPL services lies in their type of short-term financing that allows you to pay for services or goods. The use of BNPL can increase and enhance a company's customer rating, drive sales, and ensure a high degree of customer loyalty among many competitors. Thanks to this, many businesses can guarantee themselves an expanded customer base. Moreover, in most cases, the customer will complete their purchase and return to the same industry as they have fully satisfied their needs. In the case of companies, it is worth carefully studying and selecting profitable BNPL options that will meet business goals. 

Based on our experience of developing for the fintech industry, which is described in more detail in our case study, we have managed to create many profitable solutions for clients, ranging from online banking applications to investment platforms, which has led to a significant optimization of internal processes of customer loyalty. This created organic interaction with the decentralized economy, new B2C and B2B positions, UX problem-solving, and more. In particular, one of the projects that challenged the ARTKAI team was to create a mobile version of the DNA Payments platform and redesign the current one for a seamless user experience on computers and mobile devices. It paid off, and the company became the 4th largest payment provider in the UK.  It's important to realize that every business has needs and requires individual analysis and approach.

Therefore, it is natural that what has become successful in one niche may fail with the same approach in another. Thus, this poses challenges for many professionals, and to be successful, more is needed to imitate others; it is more important to build your particular strategy with unique and new approaches but pay attention to trends and what the client will demand. The latest fintech technologies cover a diverse range of innovations. Embedded Finance is at the forefront, enabling non-financial businesses to offer banking services seamlessly. Banking as a Service (BaaS) transforms how emerging markets deliver financial services by fostering collaboration and innovation. Sustainable fintech practices incorporate environmental considerations into economic decisions. Artificial intelligence (AI) and generative AI drive personalized customer experiences and improve fraud detection. Innovations such as Buy Now, Pay Later and alternative lending models enable flexible and accessible financial services that reflect the dynamic nature of the evolving fintech landscape in 2024.

Developing Fintech Solutions with ARTKAI

To this end, the ARTKAI team has created a unique guide for modernizing and developing Fintech applications in 2025. Our approach was based on in-depth business analysis, a clear understanding of the client's market requirements, and successful strategic planning. We combined our experience in business process optimization and technical audit to ensure long-term success. Our primary strategy is encapsulation, which integrates new functionality without disrupting the current system. Migration is the re-deployment to a new infrastructure, which can be cloud, physical or virtual, and refactoring to optimize the application's internal code.  Following these and many other strategies helps enterprises prepare their fintech applications to meet market needs and integrate advanced technologies. 

Implementing these trends will allow businesses to keep up with the times and hope for positive results. After all, a clear strategy and specific actions with an individual approach to each aspect will be the key to a unique business that will find its relevant audience and users. Moreover, with high-quality expert support, many fintech businesses can go one step further in providing many services and resources.

Contact us if your product requires modernisation, new features to meet your market requirements, or scaling that will deliver results. Our team is ready to investigate all the advantages and disadvantages of your current product or new ideas, propose a strategy and modernization, and finally design it to meet your client's needs.

Our primary services include

The result is high financial process efficiency, improved competitiveness of your platform or product, and a new audience.