{"id":37777,"date":"2021-05-28T19:51:56","date_gmt":"2021-05-28T19:51:56","guid":{"rendered":"https:\/\/www.sisinternational.com\/?p=37777"},"modified":"2026-01-25T19:10:15","modified_gmt":"2026-01-26T00:10:15","slug":"fintech-market-research-trends","status":"publish","type":"post","link":"https:\/\/www.sisinternational.com\/pl\/fintech-market-research-trends\/","title":{"rendered":"Trendy w badaniach rynku Fintech"},"content":{"rendered":"<figure class=\"gb-block-image gb-block-image-bb9a40c5\"><img loading=\"lazy\" decoding=\"async\" width=\"1456\" height=\"816\" class=\"gb-image gb-image-bb9a40c5\" src=\"https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/Fintech-6.jpg\" alt=\"SIS Mi\u0119dzynarodowe badania rynku i strategia\" title=\"Fintech (6)\" srcset=\"https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/Fintech-6.jpg 1456w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/Fintech-6-300x168.jpg 300w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/Fintech-6-1024x574.jpg 1024w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/Fintech-6-768x430.jpg 768w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/Fintech-6-18x10.jpg 18w\" sizes=\"auto, (max-width: 1456px) 100vw, 1456px\"><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<p>Every day, new technologies, consumer behaviors, and regulatory frameworks reshape how money moves, how businesses scale, and how people interact with financial services. <strong>If you&#8217;re not staying ahead of these changes, you&#8217;re already behind.<\/strong><\/p>\n\n\n\n<p>At SIS International Research, we don\u2019t just track trends\u2014we <strong>decode<\/strong> them. We work with fintech disruptors, legacy institutions, and everyone in between to provide roadmaps for <strong>winning the future of finance<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Why Fintech Market Research Matters<\/strong><\/h2>\n\n\n\n<p>The fintech industry is fueled by <strong>disruption and innovation.<\/strong> Now, to succeed, you need more than just great ideas\u2014you need <strong>precision, strategy, and deep market insights.<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><p><strong>Spot opportunities before they go mainstream.<\/strong> The next big thing in fintech? It\u2019s already happening. Market research helps you identify emerging technologies, shifting consumer expectations, and high-growth markets <em>zanim<\/em> your competitors do.<\/p><\/li>\n\n\n\n<li><p><strong>Decode your customers.<\/strong> Customers today want seamless, personalized, and <strong>instant financial solutions<\/strong>. Research reveals <em>exactly<\/em> what they need and how you can deliver it better than anyone else.<\/p><\/li>\n\n\n\n<li><p><strong>Navigate regulation like a pro.<\/strong> Fintech is a regulatory minefield. Market intelligence helps you stay compliant while scaling your business without roadblocks.<\/p><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Fintech Market Research Trends in Detail:<\/h3>\n\n\n\n<figure class=\"gb-block-image gb-block-image-146eecd1\"><img loading=\"lazy\" decoding=\"async\" width=\"1456\" height=\"816\" class=\"gb-image gb-image-146eecd1\" src=\"https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/Fintech-2.jpg\" alt=\"SIS Mi\u0119dzynarodowe badania rynku i strategia\" title=\"Fintech (2)\" srcset=\"https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/Fintech-2.jpg 1456w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/Fintech-2-300x168.jpg 300w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/Fintech-2-1024x574.jpg 1024w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/Fintech-2-768x430.jpg 768w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/Fintech-2-18x10.jpg 18w\" sizes=\"auto, (max-width: 1456px) 100vw, 1456px\"><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Mikrous\u0142ugi<\/h4>\n\n\n\n<p>Microservices are&nbsp;unique solutions&nbsp;that have a huge impact on the Fintech industry. They give&nbsp;the flexibility to develop innovative, groundbreaking technology and agility&nbsp;to adapt to changing circumstances and competitive forces. Microservices offer&nbsp;a completely different technology proposition. They are independent applications developed, deployed, and maintained separately to deliver on specific business requirements.&nbsp;These microservices help solve common, complex issues&nbsp;like speed and scalability while also supporting continuous testing and continuous delivery.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Dlaczego?<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Wdra\u017canie mikrous\u0142ug staje si\u0119 coraz powszechniejsze ze wzgl\u0119du na ich potencja\u0142 zwi\u0119kszania konkurencyjno\u015bci us\u0142ug, ich przydatno\u015bci, popytu i mo\u017cliwo\u015bci reagowania na zmiany na rynku.<\/li>\n\n\n\n<li>Instytucje finansowe skupiaj\u0105 si\u0119 na wdra\u017caniu zmodernizowanej architektury IT dla swoich aplikacji fintech, aby umo\u017cliwi\u0107 szybsze wprowadzanie produkt\u00f3w na rynek, \u0142atwiejsz\u0105 zgodno\u015b\u0107 z przepisami, natychmiastowe p\u0142atno\u015bci i maksymaln\u0105 elastyczno\u015b\u0107.<\/li>\n\n\n\n<li>Fintech companies and banks are tapping into the benefits of microservices as they realize the difficulty of modifying their digital services with a legacy system.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Ruchomo\u015bci<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Zwi\u0119kszona skalowalno\u015b\u0107<\/strong> &#8211; reduced costs and low-security risks<\/li>\n\n\n\n<li><strong>Lepsza mo\u017cliwo\u015b\u0107 ponownego wykorzystania<\/strong> \u2013 Mikrous\u0142ugi wspieraj\u0105 mo\u017cliwo\u015b\u0107 ponownego wykorzystania poprzez tworzenie komponowalnych, modu\u0142owych us\u0142ug.<\/li>\n\n\n\n<li><strong>Kr\u00f3tszy czas wprowadzania na rynek<\/strong> \u2013 Ze wzgl\u0119du na swoj\u0105 modu\u0142ow\u0105 natur\u0119 mikrous\u0142ugi umo\u017cliwiaj\u0105 szybszy rozw\u00f3j.<\/li>\n\n\n\n<li><strong>Uproszczone debugowanie i konserwacja<\/strong><\/li>\n\n\n\n<li><strong>Odporno\u015b\u0107<\/strong> \u2013 Poniewa\u017c mikrous\u0142ugi sk\u0142adaj\u0105 si\u0119 z ma\u0142ych, niezale\u017cnych modu\u0142\u00f3w, awaria jednej mikrous\u0142ugi nie ma wp\u0142ywu na ca\u0142\u0105 aplikacj\u0119.<\/li>\n\n\n\n<li><strong>Wysoka jako\u015b\u0107<\/strong> \u2013 Mikrous\u0142uga u\u0142atwia prac\u0119 w skoncentrowanych modu\u0142ach. Pomaga to w og\u00f3lnej poprawie jako\u015bci aplikacji.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Fintech jako us\u0142uga<\/h4>\n\n\n\n<p>Fintech technologies are a desirable solution for many traditional lending companies looking to leverage advanced business functionalities and financial processes. Many Fintech startups are looking forward to selling their technology platforms as a service to corporations in the field. These FaaS platforms integrate seamlessly with any existing back-office of traditional banks and provide for non-banks a cost-effective and fast way to launch various financial products and services.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Dlaczego?<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Model SaaS sta\u0142 si\u0119 jednym z najpopularniejszych i najskuteczniejszych rozwi\u0105za\u0144 na rynku. W ka\u017cdej bran\u017cy klienci i firmy widz\u0105 potencja\u0142 tego rozwi\u0105zania pod k\u0105tem zwi\u0119kszenia przychod\u00f3w i stabilno\u015bci.<\/li>\n\n\n\n<li>Istnieje luka mi\u0119dzy dzisiejsz\u0105, rozwijaj\u0105c\u0105 si\u0119, technologicznie zorientowan\u0105 spo\u0142eczno\u015bci\u0105 biznesow\u0105 a tradycyjnymi systemami finansowymi. Fintech-as-a-Service to idealne rozwi\u0105zanie, kt\u00f3re mo\u017ce pom\u00f3c bran\u017cy finansowej zmniejszy\u0107 luk\u0119 i wykorzysta\u0107 technologi\u0119 do skalowania dzia\u0142alno\u015bci.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Ruchomo\u015bci<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Zach\u0119caj banki do wykorzystywania swoich obecnych mo\u017cliwo\u015bci w nowy spos\u00f3b<\/li>\n\n\n\n<li>Pomaga zmniejszy\u0107 luk\u0119 w zakresie cyfryzacji mi\u0119dzy Fintech a bankami<\/li>\n\n\n\n<li>Pododdzia\u0142y sektora bankowego i Fintech rozwijaj\u0105 si\u0119 szybciej i wydajniej. Nowe rozwi\u0105zania p\u0142atnicze, nowe metody weryfikacji to\u017csamo\u015bci (KYC), lepsze przeciwdzia\u0142anie praniu pieni\u0119dzy to tylko niekt\u00f3re z obszar\u00f3w, w kt\u00f3rych nast\u0105pi\u0105 ogromne innowacje i ulepszenia.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Finanse osadzone<\/h4>\n\n\n\n<p>Nast\u0105pi silny wzrost w finansach wbudowanych (np. programy kup teraz i zap\u0142a\u0107 p\u00f3\u017aniej, opcje ubezpiecze\u0144 wbudowanych) i ofertach bankowo\u015bci jako us\u0142ugi oraz w powi\u0105zanych partnerstwach. Rzeczywi\u015bcie, badanie Boston Consulting Group (BCG) przeprowadzone w 15 krajach, opublikowane w maju, wykaza\u0142o, \u017ce a\u017c 44 procent os\u00f3b w wieku od 18 do 34 lat po raz pierwszy zapisa\u0142o si\u0119 do bankowo\u015bci internetowej lub mobilnej podczas kryzysu COVID-19.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Dlaczego?<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Korzystanie przez firmy z wbudowanych us\u0142ug finansowych \u2014 podobnych do us\u0142ug bankowych oferowanych przez podmioty niebankowe \u2014 ma na celu zatrzymanie klient\u00f3w i zwi\u0119kszenie ich tzw. warto\u015bci cyklu \u017cycia.<\/li>\n\n\n\n<li>Aby sprosta\u0107 rosn\u0105cemu zapotrzebowaniu na finanse wbudowane, instytucje finansowe coraz cz\u0119\u015bciej oferuj\u0105 bankowo\u015b\u0107 jako us\u0142ug\u0119 (BaaS) \u2014 pakiety us\u0142ug, cz\u0119sto oferowane pod bia\u0142\u0105 etykiet\u0105 lub pod wsp\u00f3ln\u0105 mark\u0105, z kt\u00f3rych podmioty niebankowe mog\u0105 korzysta\u0107, aby \u015bwiadczy\u0107 us\u0142ugi swoim klientom.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Ruchomo\u015bci<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Klienci oczekuj\u0105 zintegrowanych do\u015bwiadcze\u0144. Fintech i banki b\u0119d\u0105 wsp\u00f3\u0142pracowa\u0107 z r\u00f3\u017cnymi partnerami, aby sprosta\u0107 ich oczekiwaniom.<\/li>\n\n\n\n<li>Nowe modele biznesowe i \u017ar\u00f3d\u0142a przychod\u00f3w. Szczeg\u00f3lnie korzystne s\u0105 \u017ar\u00f3d\u0142a, kt\u00f3re maj\u0105 skalowalne modele biznesowe i sta\u0142e inwestycje w IT (np. modele dystrybucyjne).<\/li>\n\n\n\n<li>Przyj\u0119cie mo\u017cliwo\u015bci technologicznych. Dzi\u0119ki przyspieszeniu cyfryzacji, w tym automatyzacji i API, Fintech mo\u017ce skalowa\u0107 BaaS szybciej, dzi\u0119ki czemu wbudowane finanse s\u0105 w zasi\u0119gu wi\u0119kszej liczby firm rozwa\u017caj\u0105cych to rozwi\u0105zanie.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Kryptowaluty<\/h4>\n\n\n\n<p>Kryptowaluty takie jak Bitcoin i Ethereum rzeczywi\u015bcie okaza\u0142y si\u0119 odporne. Zainteresowanie inwestor\u00f3w, zar\u00f3wno detalicznych, jak i instytucjonalnych, walutami cyfrowymi wzros\u0142o dramatycznie w ostatnich miesi\u0105cach. Wielu wczesnych inwestor\u00f3w, kt\u00f3rzy chcieli czerpa\u0107 zyski z \u201ekryptowalutowego szale\u0144stwa\u201d, od tamtej pory przesz\u0142o do innych przedsi\u0119wzi\u0119\u0107, pozostawiaj\u0105c w tyle mniejsz\u0105 grup\u0119 wytrwa\u0142ych HODL-er\u00f3w. Nadal jednak istniej\u0105 powody, by s\u0105dzi\u0107, \u017ce bran\u017ca kryptowalut ma jeszcze troch\u0119 walki.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Dlaczego?<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cryptocurrencies have dominated the investment market in recent years. Bitcoin or Dogecoin is in the news every day, Musk&#8217;s tweets are only increasing the popularity of this area.<\/li>\n\n\n\n<li>Several new developments such as increased institutional interest, pending ETF approval, and the popularity of stablecoins suggest a continued positive trend.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Ruchomo\u015bci<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A lot of people want to become anonymous, especially in social media times. Cryptocurrencies are a chance of increasing privacy and keeping our data safe.<\/li>\n\n\n\n<li>Cryptocurrency market is highly attractive in terms of investments. Decreasing interest in saving accounts and low ROI from stocks and bonds only increase demand for alternative investments like cryptocurrencies.<\/li>\n\n\n\n<li>Rz\u0105dy stawiaj\u0105 kryptowaluty w centrum uwagi. Chiny wprowadzi\u0142y ju\u017c swoj\u0105 pierwsz\u0105 walut\u0119 cyfrow\u0105.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">P\u0142atno\u015bci cyfrowe<\/h4>\n\n\n\n<figure class=\"gb-block-image gb-block-image-12a92ec0\"><img loading=\"lazy\" decoding=\"async\" width=\"1456\" height=\"816\" class=\"gb-image gb-image-12a92ec0\" src=\"https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/FinTech-Terch-technology-AI-artificial-intelligence-9.jpg\" alt=\"SIS Mi\u0119dzynarodowe badania rynku i strategia\" title=\"FinTech Terch technology AI artificial intelligence (9)\" srcset=\"https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/FinTech-Terch-technology-AI-artificial-intelligence-9.jpg 1456w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/FinTech-Terch-technology-AI-artificial-intelligence-9-300x168.jpg 300w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/FinTech-Terch-technology-AI-artificial-intelligence-9-1024x574.jpg 1024w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/FinTech-Terch-technology-AI-artificial-intelligence-9-768x430.jpg 768w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/FinTech-Terch-technology-AI-artificial-intelligence-9-18x10.jpg 18w\" sizes=\"auto, (max-width: 1456px) 100vw, 1456px\"><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>There has been a rise in the demand for new forms of digital payments, which are much more secure and reliable. This has been able to transform payments into an open ecosystem where various parties like FinTechs, banks, payment firms, etc, are trying to evolve the digital payment system by introducing new technologies. The government, on their part, is trying to come up with certain regulations in order to reduce the ecosystem threats.<\/p>\n\n\n\n<p>We were able to notice a massive growth in digital payment transactions in the span of 4 to 5 years, but with the pandemic, the growth was motivated by the need for cashless and contactless payments. Thus, Non-cash transactions are seen to be on a robust growth path.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Dlaczego?<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<ul class=\"wp-block-list\">\n<li>COVID-19 has reinforced the trend of digital adoption in payments and retail commerce across payment types and demographics.<\/li>\n\n\n\n<li>Jednak obraz rozwoju technologii cyfrowych nie jest do ko\u0144ca r\u00f3\u017cowy \u2014 zaufanie konsument\u00f3w nieznacznie spad\u0142o i chocia\u017c coraz wi\u0119cej z nich decyduje si\u0119 na p\u0142atno\u015bci cyfrowe, nie jest jasne, czy wszystkie ostatnie zmiany w zachowaniach oka\u017c\u0105 si\u0119 trwa\u0142e.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Ruchomo\u015bci<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Wielokana\u0142owo\u015b\u0107 ma kluczowe znaczenie dla spe\u0142nienia oczekiwa\u0144 klient\u00f3w<\/strong>Podczas gdy penetracja p\u0142atno\u015bci cyfrowych w du\u017cej mierze si\u0119 ustabilizowa\u0142a, adopcja wielokana\u0142owa wyra\u017anie wzros\u0142a.<\/li>\n\n\n\n<li><strong>P\u0142atno\u015bci online rosn\u0105 w zastraszaj\u0105cym tempie<\/strong>. \u015awiadomo\u015b\u0107 i adopcja kart zbli\u017ceniowych w USA w 2020 r. wzros\u0142a mniej wi\u0119cej dwukrotnie.<\/li>\n\n\n\n<li><strong>Klienci nie chc\u0105 p\u0142aci\u0107 got\u00f3wk\u0105<\/strong>Karty \u2013 zar\u00f3wno magnetyczne, jak i zbli\u017ceniowe \u2013 zyskuj\u0105 na popularno\u015bci, podczas gdy w sklepach stacjonarnych drastycznie spad\u0142o wykorzystanie got\u00f3wki.<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Fintech jako nowy bank<\/h4>\n\n\n\n<p>Technologie Fintech s\u0105 po\u017c\u0105danym rozwi\u0105zaniem dla wielu tradycyjnych firm po\u017cyczkowych, kt\u00f3re chc\u0105 wykorzysta\u0107 zaawansowane funkcjonalno\u015bci biznesowe i procesy finansowe. Wiele startup\u00f3w Fintech chce sprzedawa\u0107 swoje platformy technologiczne jako us\u0142ug\u0119 dla korporacji w tej dziedzinie. Te platformy FaaS bezproblemowo integruj\u0105 si\u0119 z dowolnym istniej\u0105cym zapleczem tradycyjnych bank\u00f3w i zapewniaj\u0105 podmiotom niebankowym op\u0142acalny i szybki spos\u00f3b na uruchomienie r\u00f3\u017cnych produkt\u00f3w i us\u0142ug finansowych.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Dlaczego?<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<ul class=\"wp-block-list\">\n<li>In the last decade, customer behaviors and expectations have changed dramatically. The way they do shopping, buy food, or use services is moved into digital. However, a lot of banks could not keep up with this change and that&#8217;s why Fintech gained a significant portion of the market.<\/li>\n\n\n\n<li>Fintech offers innovative and user-friendly solutions which are faster and cheaper. Moreover, <a href=\"https:\/\/www.sisinternational.com\/pl\/fintech-trends-2025\/\" title=\"FinTech Trends\"  data-wpil-monitor-id=\"6639\">Fintech can quickly adapt to new market<\/a> trends and challenges.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Ruchomo\u015bci<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Fintech stanie si\u0119 bankami<\/strong> i stara\u0107 si\u0119 by\u0107 bezpo\u015bredni\u0105 konkurencj\u0105 dla du\u017cych bank\u00f3w (np. Revolut lub N26).<\/li>\n\n\n\n<li><strong>Banki b\u0119d\u0105 musia\u0142y dostosowa\u0107 swoje us\u0142ugi i produkty do obecnych oczekiwa\u0144 klient\u00f3w<\/strong>Z tego powodu digitalizacja w bankach jest niezb\u0119dna, aby by\u0107 konkurencyjnym na rynku.<\/li>\n\n\n\n<li><strong>Fintech i banki b\u0119d\u0105 cz\u0119\u015bciej wsp\u00f3\u0142pracowa\u0107<\/strong> i oferowa\u0107 klientom unikalne rozwi\u0105zania (tak jak start-up Tink, kt\u00f3ry wykorzystuje technologi\u0119 otwartej bankowo\u015bci, aby pomaga\u0107 klientom).<\/li>\n<\/ul>\n\n\n\n<h4 class=\"wp-block-heading\">Sztuczna inteligencja i uczenie maszynowe<\/h4>\n\n\n\n<figure class=\"gb-block-image gb-block-image-284f7f4c\"><img loading=\"lazy\" decoding=\"async\" width=\"1456\" height=\"816\" class=\"gb-image gb-image-284f7f4c\" src=\"https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/Fintech-15.jpg\" alt=\"SIS Mi\u0119dzynarodowe badania rynku i strategia\" title=\"Fintech (15)\" srcset=\"https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/Fintech-15.jpg 1456w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/Fintech-15-300x168.jpg 300w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/Fintech-15-1024x574.jpg 1024w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/Fintech-15-768x430.jpg 768w, https:\/\/www.sisinternational.com\/wp-content\/uploads\/2025\/09\/Fintech-15-18x10.jpg 18w\" sizes=\"auto, (max-width: 1456px) 100vw, 1456px\"><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<p>Zar\u00f3wno tradycyjne banki, jak i firmy fintech coraz cz\u0119\u015bciej przyjmuj\u0105 rozwi\u0105zania AI. Cz\u0119\u015bciowo mog\u0142o to by\u0107 spowodowane pandemi\u0105, ale jest to trend, kt\u00f3ry coraz cz\u0119\u015bciej widzimy. Rozwi\u0105zania AI i uczenia maszynowego s\u0105 stosowane w wielu obszarach biznesowych, od chatbot\u00f3w obs\u0142ugi klienta po wykrywanie oszustw, a\u017c po analiz\u0119 odpowiednich produkt\u00f3w finansowych dla klienta.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Dlaczego?<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<ul class=\"wp-block-list\">\n<li>AI and machine learning are helping in many complicated finance processes. Managing assets, evaluating levels of risk, calculating credit scores, and even approving loans are using algorithms to improve efficiency and increase revenues.<\/li>\n\n\n\n<li>Ze wzgl\u0119du na ogromn\u0105 ilo\u015b\u0107 danych finanse stanowi\u0105 atrakcyjny obszar dla uczenia maszynowego, poniewa\u017c technologie te pozwalaj\u0105 na dok\u0142adniejsze wyci\u0105ganie wniosk\u00f3w i tworzenie prognoz, gdy do systemu wprowadzane s\u0105 du\u017ce ilo\u015bci danych.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Ruchomo\u015bci<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Better fraud detection and prevention. Machine learning works by scanning through large data sets to detect unique activities or anomalies and flag them for further investigation by security teams.<\/li>\n\n\n\n<li>Robo-advisors help with portfolio management. Robo-advisors require low account minimums and are usually cheaper than human portfolio managers.<\/li>\n\n\n\n<li>Usprawniony proces udzielania po\u017cyczek lub ubezpiecze\u0144.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Final Thoughts from Ruth Stanat, CEO of SIS International Research<\/strong><\/h2>\n\n\n\n<p>Fintech is <strong>moving at warp speed<\/strong>, and if you\u2019re still relying on outdated insights, you\u2019re setting yourself up to lose. <strong><a href=\"https:\/\/www.sisinternational.com\/pl\/ekspertyza\/branze\/trend-tracking-market-research\/\" title=\"Badania rynku \u015bledzenia trend\u00f3w\"  data-wpil-monitor-id=\"5452\">Market research isn\u2019t just about tracking<\/a> trends\u2014it\u2019s about owning the future.<\/strong><\/p>\n\n\n\n<p>Na <a href=\"https:\/\/www.linkedin.com\/company\/sisinternationalresearch\/\" target=\"_blank\" rel=\"noopener\"><strong>SIS Mi\u0119dzynarodowe Badania<\/strong><\/a>, we deliver <strong>real-time fintech intelligence<\/strong> so our clients don\u2019t just adapt to change<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Lokalizacja naszego obiektu w Nowym Jorku<\/h2>\n\n\n\n<p>  <iframe loading=\"lazy\" src=\"https:\/\/www.google.com\/maps\/embed?pb=!1m18!1m12!1m3!1d3022.976188376966!2d-73.99130312499956!3d40.740549471389315!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0x89c259a15798c731%3A0xd695d09bdd495f25!2s11%20E%2022nd%20St%20FL%202%2C%20New%20York%2C%20NY%2010010%2C%20USA!5e0!3m2!1sen!2spe!4v1726171763526!5m2!1sen!2spe\" width=\"600\" height=\"450\" allowfullscreen=\"allowfullscreen\" data-mce-fragment=\"1\"><\/iframe>  <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">11 E 22nd Street, pi\u0119tro 2, Nowy Jork, NY 10010 T: +1(212) 505-6805<\/h3>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>O firmie SIS International<\/strong><\/h2>\n\n\n\n<p><a href=\"https:\/\/www.sisinternational.com\/pl\/\"><span style=\"font-weight: 400;\">SIS Mi\u0119dzynarodowy<\/span><\/a><span style=\"font-weight: 400;\"> oferuje badania ilo\u015bciowe, jako\u015bciowe i strategiczne. Dostarczamy dane, narz\u0119dzia, strategie, raporty i spostrze\u017cenia do podejmowania decyzji. Prowadzimy r\u00f3wnie\u017c wywiady, ankiety, grupy fokusowe i inne metody i podej\u015bcia do bada\u0144 rynku.<\/span><a href=\"https:\/\/www.sisinternational.com\/pl\/o-moich-miedzynarodowych-badaniach\/contact-sis-international-market-research\/\"><span style=\"font-weight: 400;\"> Skontaktuj si\u0119 z nami<\/span><\/a><span style=\"font-weight: 400;\"> dla Twojego kolejnego projektu badania rynku.<\/span><\/p>","protected":false},"excerpt":{"rendered":"<p>Trendy FinTech; ta bran\u017ca jest jednym z najbardziej rozwijaj\u0105cych si\u0119 i rosn\u0105cych rynk\u00f3w w ostatnich latach. Postanowili\u015bmy podzieli\u0107 trendy na 3 kategorie<\/p>","protected":false},"author":1,"featured_media":69522,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[287,354,302],"tags":[],"class_list":["post-37777","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-industry-spotlight","category-fintech","category-thought-leadership","generate-columns","tablet-grid-50","mobile-grid-100","grid-parent","grid-50"],"_links":{"self":[{"href":"https:\/\/www.sisinternational.com\/pl\/wp-json\/wp\/v2\/posts\/37777","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.sisinternational.com\/pl\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.sisinternational.com\/pl\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.sisinternational.com\/pl\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.sisinternational.com\/pl\/wp-json\/wp\/v2\/comments?post=37777"}],"version-history":[{"count":8,"href":"https:\/\/www.sisinternational.com\/pl\/wp-json\/wp\/v2\/posts\/37777\/revisions"}],"predecessor-version":[{"id":80218,"href":"https:\/\/www.sisinternational.com\/pl\/wp-json\/wp\/v2\/posts\/37777\/revisions\/80218"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.sisinternational.com\/pl\/wp-json\/wp\/v2\/media\/69522"}],"wp:attachment":[{"href":"https:\/\/www.sisinternational.com\/pl\/wp-json\/wp\/v2\/media?parent=37777"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.sisinternational.com\/pl\/wp-json\/wp\/v2\/categories?post=37777"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.sisinternational.com\/pl\/wp-json\/wp\/v2\/tags?post=37777"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}