FinTech Trends

The financial industry is in the middle of a massive digital revolution—and the pace of change isn’t slowing down. FinTech trends are driving new opportunities, disrupting traditional banking, and redefining how consumers and businesses interact with money. If you’re not paying attention, you’re already falling behind.
1. Paiements numériques
FinTech is no longer a US story. FinTech funding is now larger in Asia than in North America and Europe.
China is the best digital currency model in the world. Cash has largely disappeared from China. WeChat and Ali pay are $5.5 trillion dollars. Because China leapfrogged credit cards… never caught on. It is a cashless society. There’s no interchange. You built a proprietary system. Two payment systems that everybody uses. China is allowing massive growth with limited oversight. Over 3 years, there has been enormous adoption. The only mechanism to dissuade corruption without $50k without approval is a yearly cap. If you want to move a lot of money around, you’ll need to get approval.
In the US, you have Visa, American Express, or Mastercard, which are the transaction holders. In China, Tencent and Alibaba are the entire stack. In the US, we have 500 apps. In China, there are far fewer apps. Customers go to 1 or 2 apps, and do everything in there.
FinTech innovation is happening in South East Asia. In India, there’s PayTM which is using public funds. Thailand got started earlier on digital payments earlier, but never achieved what China has done. A lot of it is cultural in Thailand, where people pay bills via 7/11 stores.
2. Centré sur le client

Customer centricity is a huge trend. Banks are now more than ever subject to competition from rising FinTech start-ups and technology companies.
Banking is the third most visited type of app, after Social Media and Weather. Surveys show that a vast majority of millennials believe online banking is better than going to the bank.
Surprisingly, large national banks are more customer-centric, followed by regional banks, followed by overall, followed up by credit unions, and community banks.
Customer Centricity no longer means knowing your name at the local bank. What matters to more customers now is that the App works. Smaller financial institutions may suffer as a result of revolutionary changes in customer needs. Fewer people care about human interaction. So, massive shifts are occurring from Credit Unions to the top large national banks.
3. Les compétences technologiques dominent de plus en plus les services financiers
Much of the growth in Finance is emerging from Technology. Today’s business environment increasingly requires aligning your workforce for the new view of what customer centric is. Talented professionals increasingly have IT, Data Science, Programming and Algorithm backgrounds. Ce qui compte désormais, ce sont de très bonnes données et une expérience utilisateur (UX).
Face-to-face employees are becoming less common in the Financial Services job market. Analyst jobs are becoming less prominent. Top analysts may stay, but Robo-analysts may increasingly replace lower-level analysts. Robo Advisors ask a specific number of questions and have a finite number of decisions made on it. Decision-making may increasingly rely on robo-advisors.
A significant number of banking jobs will be lost to AI and automation within the next 5 years. This loss is happening Plus vite than the loss in the manufacturing sector. Much faster. This can be a real social issue for societies and governments.
Increasingly, Computer Science majors are in higher demand than traditional business degrees. Processing jobs are largely gone as there is less of a need for manual check adjudicators anymore.
Les entreprises technologiques ont de plus en plus besoin Juste à temps hiring. This is in contrast to the traditional long hiring lead times. Hiring in financial services requires less planning ahead in advance. This is because timing is everything as companies become more technology-driven.
4. L'élément humain dans les services financiers
Where does Face-To-Face matter in today’s Financial Services? It’s the jobs that are less prone to automation. These include:
- M&A, qui a un haut degré d’analyse humaine et de négociation
- Missions de conseil
- Some capital raising on equity requiring storytelling, qualitative analysis ,and relationships
- Développement de produits et gestion de produits
Cependant, il existe très peu de postes qui ne comportent pas une quantité importante de logiciels et de perturbations numériques.
5. Évolution des écosystèmes FinTech et concurrence

Ecosystems are evolving in Financial Services. There are 3 main constituencies in the ecosystem:
- Banques
- Fintechs
- VC
Il existe une « coopétition » croissante, c'est-à-dire une coopération et une concurrence, dans laquelle les sociétés de capital-risque financent des FinTech qui travaillent directement avec les banques.
6. Changing Strategic Priorities for Traditional Banks
Even traditional large banks are reconsidering their assumptions and priorities. Here are the new strategic priorities for Financial Institutions:
- Orientation client
- Le mobile d’abord
- Profondément intégré
- World-class technology
- Expériences numériques fluides
- Orientation stratégique à long terme vers la croissance
- Exécution disciplinée de la stratégie
7. Nouvelles opportunités émergentes
Voici quelques-unes des opportunités envisagées par les sociétés de services financiers :
- Planches de croissance
- Coaching de startups
- Real-time payment schemes
- Ondulation et blockchain
- InsurTech, Wearables et HealthTech
- Micro-paiements
- IA, ML et PNL
- Automatisation des processus robotisés (RPA)
- API (entre entreprises financières et technologiques)
- Banques grand public pour les Millennials comme Marcus de Goldman Sach et FINN de Chase
8. Fee Compression and Digital Disruption
The FinTechs are removing the Fee-Based models of the past. This innovation is happening especially in Europe with players like Revolut et N26. Previously, people almost never change bank accounts. On average, they change it every 17 years. Usually with divorce, or marriage or moving. FinTech is changing that.
9. Hot FinTech Market Research Approaches

- Le modèle Kano
- NPS
- Score d'effort client (CES)
- Test de répartition A/B
10. Blockchain, DeFi, and the Tokenized Future
Decentralized Finance (DeFi) is challenging the very foundations of traditional banking. Blockchain technology, smart contracts, and tokenized assets are opening new doors for peer-to-peer lending, decentralized exchanges, and transparent financial transactions.
The future of finance is:
Trustless: No intermediaries, just blockchain-powered transactions
Accessible: Global users can participate in DeFi ecosystems
Transparent: Smart contracts execute transactions with full visibility
11. Open Banking: Data-Driven Financial Power
Consumers want more control over their financial data—and open banking is making that possible. By securely sharing financial data via APIs, banks and FinTech companies are creating seamless, customer-centric experiences.
Open banking is enabling:
Personalized financial products tailored to consumer spending habits
Faster, more secure transactions
Cross-platform banking solutions that empower users
12. Hyper-Personalization: One-Size-Fits-All is Dead
Financial services are no longer about generic products—they’re about customized, hyper-personalized experiences. With AI, big data, and predictive analytics, FinTech firms can offer tailored financial solutions that meet individual customer needs.
Examples include:
Personalized credit scoring based on alternative data
AI-driven financial coaching that adapts to real-time spending habits
Predictive savings tools that automate budgeting
13. Cybersecurity and Fraud Prevention: Non-Negotiable Priorities

As FinTech adoption skyrockets, so do cyber threats. Security is no longer optional—it’s a business imperative.
Leading FinTech firms are leveraging:
Biometric authentication for secure logins
AI-driven fraud detection that identifies threats before they happen
Decentralized identity solutions powered by blockchain
What’s Next for FinTech?
AI will become the core of financial decision-making
🚀 The metaverse and Web3 will create new digital financial ecosystems
🚀 Central Bank Digital Currencies (CBDCs) will reshape the payments industry
🚀 FinTech firms will partner with regulators to scale responsibly
Final Thoughts from Ruth Stanat, CEO of SIS International Research
FinTech isn’t a trend—it’s a revolution. The companies that embrace these changes will thrive, while those that resist will become obsolete. This is the era of digital-first finance, and only the bold will lead the way.
À Recherche internationale SIS, we provide the insights, data, and strategies you need to stay ahead of the FinTech curve.
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