{"id":33662,"date":"2019-11-03T05:56:46","date_gmt":"2019-11-03T05:56:46","guid":{"rendered":"https:\/\/www.sisinternational.com\/?p=33662"},"modified":"2025-09-21T21:32:51","modified_gmt":"2025-09-22T01:32:51","slug":"fintech-trends-2025","status":"publish","type":"post","link":"https:\/\/www.sisinternational.com\/fr\/fintech-trends-2025\/","title":{"rendered":"FinTech Trends"},"content":{"rendered":"

FinTech Trends<\/h1>\n\n\n\n
\"\u00c9tudes<\/figure>\n\n\n\n
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The financial industry is in the middle of a massive digital revolution<\/strong>\u2014and the pace of change isn\u2019t slowing down. FinTech trends<\/strong> are driving new opportunities, disrupting traditional banking, and redefining how consumers and businesses interact with money. If you’re not paying attention, you\u2019re already falling behind.<\/p>\n\n\n\n

1. Paiements num\u00e9riques<\/h2>\n\n\n\n

FinTech is no longer a US story.  FinTech funding is now larger in Asia<\/a> than in North America and Europe.<\/span><\/p>\n\n\n\n

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\u2026 never caught on.  It is a cashless society.  There\u2019s 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\u2019ll need to get approval.<\/span><\/p>\n\n\n\n

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.<\/span><\/p>\n\n\n\n

FinTech innovation<\/a> is happening in South East Asia.\u00a0 In India, there’s PayTM which is using public funds.\u00a0\u00a0Thailand got started earlier on digital payments earlier, but never achieved what China has done.\u00a0 A lot of it is cultural in Thailand, where people pay bills via 7\/11 stores.\u00a0<\/span><\/p>\n\n\n\n

2. Centr\u00e9 sur le client<\/h2>\n\n\n\n
\"\u00c9tudes<\/figure>\n\n\n\n

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Customer centricity is a huge trend.  Banks are now more than ever subject to competition from rising FinTech start-ups and technology companies.<\/span><\/p>\n\n\n\n

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.<\/span><\/p>\n\n\n\n

Surprisingly, large national banks are more customer-centric, followed by regional banks, followed by overall, followed up by credit unions, and community banks.<\/p>\n\n\n\n

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.<\/span><\/p>\n\n\n\n

3. Les comp\u00e9tences technologiques dominent de plus en plus les services financiers<\/h2>\n\n\n\n

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 d\u00e9sormais, ce sont de tr\u00e8s bonnes donn\u00e9es et une exp\u00e9rience utilisateur (UX).<\/strong><\/span><\/p>\n\n\n\n

Face-to-face employees are becoming less common in the Financial Services job market<\/a>.  Analyst jobs are becoming less prominent.  Top analysts may stay, but Robo-analysts may increasingly replace lower-level analysts<\/strong><\/span>. Robo Advisors ask a specific number of questions and have a finite number of decisions<\/span> made on it.  Decision-making may increasingly rely on robo-advisors.  <\/span><\/p>\n\n\n\n

A significant number of banking jobs will be lost to AI and automation within the next 5 years.  This loss is happening Plus vite<\/span> than the loss in the manufacturing sector.  Much faster.  This can be a real social issue for societies and governments.<\/span><\/p>\n\n\n\n

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.<\/span><\/p>\n\n\n\n

Les entreprises technologiques ont de plus en plus besoin <\/span>Juste \u00e0 temps <\/b>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.<\/span><\/p>\n\n\n\n

4. L'\u00e9l\u00e9ment humain dans les services financiers<\/h2>\n\n\n\n

Where does Face-To-Face matter in today’s Financial Services?  It’s the jobs that are less prone to automation.  These include:<\/span><\/p>\n\n\n\n