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. 数字支付

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.以客户为中心

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. 技术技能日益主导金融服务

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. 现在重要的是真正良好的数据和用户体验（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 快多了 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.

科技公司越来越需要 即时生产 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. 金融服务中的人为因素

Where does Face-To-Face matter in today’s Financial Services? It’s the jobs that are less prone to automation. These include:

并购具有高度的人为分析和交易
咨询业务
Some capital raising on equity requiring storytelling, qualitative analysis ,and relationships
产品开发和产品管理

然而，很少有角色不受大量软件和数字化干扰。

5. 不断发展的金融科技生态系统和竞争

Ecosystems are evolving in Financial Services. There are 3 main constituencies in the ecosystem:

银行
金融科技
风险投资

“竞合”现象日益增多，即合作与竞争，风险投资公司正在为直接与银行合作的金融科技公司提供资金。

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:

以客户为中心
移动优先
深度集成
World-class technology
无摩擦数字体验
长期战略重点是增长
严谨的战略执行

7. 新兴机遇

以下是金融服务公司正在考虑的一些机会：

成长板
创业辅导
Real-time payment schemes
Ripple 和区块链
保险科技、可穿戴设备和健康科技
小额支付
人工智能、机器学习和自然语言处理
机器人流程自动化 (RPA)
API（金融公司与科技公司之间）
面向千禧一代的消费银行，如高盛的 Marcus 和大通的 FINN

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 和 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

卡诺模型
净推荐值
客户努力评分 (CES)
A/B 拆分测试

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.

在 SIS 国际研究, we provide the insights, data, and strategies you need to stay ahead of the FinTech curve.

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