The blog explores how fintech startups and traditional institutions are adapting to changing consumer behaviors, regulatory landscapes, and global economic shifts. It also highlights investment trends, challenges like cybersecurity, and the role of sustainability in fintech. This comprehensive look offers valuable insights for businesses, investors, and innovators navigating the evolving world of financial technology in 2025.
Table of Contents:
- Introduction to the 2025 Fintech Landscape
- Key Trends: DeFi, Embedded Finance, BNPL, and Tokenization
- AI-Powered Personal Finance and Hyper-Personalization
- The Rise of B2B Fintech & API-led Platforms
- ESG and Green Fintech
- RegTech: Technology for Regulatory Compliance
- Fintech Funding Trends and Global Investment Hotspots
- Predictions: What the Next 5 Years Hold
- Conclusion
1. Introduction to the 2025 Fintech Landscape
As we step into 2025, the financial technology sector is no longer an emerging disruptor it has matured into a core pillar of the global financial system. The fintech ecosystem now encompasses everything from AI-powered banking and decentralized finance (DeFi) to embedded finance, neobanks, robo-advisors, and digital currencies.
What began as a response to the inefficiencies of traditional banking has evolved into a full-scale transformation of financial services, reshaping how people save, invest, borrow, insure, and transact. In a world driven by mobile-first behavior, data intelligence, and instant gratification, fintech firms are not only meeting modern expectations they’re setting the standard.
In 2025, key trends are accelerating:
- AI and machine learning are redefining credit underwriting, fraud detection, and customer personalization.
- Blockchain and Web3 are expanding beyond copyright into asset tokenization, decentralized identity, and programmable finance.
- Open banking regulations are pushing traditional institutions toward interoperability and data-sharing.
Fintech partnerships with legacy banks are becoming the norm, not the exception.
At the same time, regulatory scrutiny is intensifying, and consumer trust remains a high-stakes challenge. Startups and incumbents alike must balance agility with accountability, navigating a landscape where technology, trust, and transparency must move in lockstep.
This blog explores the defining forces shaping fintech in 2025, its innovations, its impact, and its trajectory. Whether you’re a developer, investor, policymaker, or curious user, understanding the current state of fintech is key to navigating the future of finance.
2. Key Trends: DeFi, Embedded Finance, BNPL, and Tokenization
The fintech landscape in 2025 is defined by rapid innovation and integration, with several transformative trends reshaping how consumers, institutions, and platforms interact with financial services. Among the most influential are Decentralized Finance (DeFi), Embedded Finance, Buy Now, Pay Later (BNPL), and Tokenization. Each trend reflects a shift toward more accessible, personalized, and transparent financial ecosystems.
Decentralized Finance (DeFi): Reshaping Financial Infrastructure
DeFi represents a paradigm shift from traditional finance by using blockchain-based protocols to enable peer-to-peer transactions without intermediaries. In 2025, DeFi has evolved from an experimental niche into a powerful alternative financial system.
Key Features:
- Smart contracts replace traditional intermediaries.
- Users can lend, borrow, trade, and earn yield directly from their wallets.
- Global access with minimal barriers to entry.
Embedded Finance: Financial Services in Every App
Embedded finance is about integrating financial tools directly into non-financial platforms, allowing users to access banking, payments, lending, or insurance without leaving the app they’re using.
Why It Matters?
- Enhances user experience with seamless financial functionality.
- Creates new revenue streams for non-financial companies.
- Increases financial access for underserved users.
Embedded finance turns every platform into a potential fintech company, breaking down silos between industries.
Buy Now, Pay Later (BNPL): Credit Reimagined
BNPL has evolved from a consumer-friendly alternative to credit cards into a mainstream financing tool in both online and offline commerce.
2025 Trends:
- BNPL is embedded at the point of sale in retail, healthcare, education, and travel.
- Providers are leveraging AI-driven credit scoring to offer personalized payment plans.
- Regulatory bodies are implementing consumer protection rules around transparency and affordability.
Tokenization: Turning Assets into Digital Units
Tokenization is the process of converting real-world assets such as real estate, equities, art, or even carbon credits into digital tokens on a blockchain. These tokens can be easily traded, divided, and transferred.
Benefits:
- Improved liquidity and 24/7 global markets.
- Lower entry barriers for previously exclusive asset classes.
- Transparency and traceability in ownership and transaction history.
Tokenization is not only democratizing investment but also enabling new financial products and ecosystems that couldn’t exist in the traditional financial world.
3. AI-Powered Personal Finance and Hyper-Personalization
As artificial intelligence (AI) continues to mature, its role in personal finance has evolved from basic automation into hyper-personalized financial ecosystems tailored to individual behaviors, goals, and preferences. In 2025, AI isn’t just a backend tool is the core engine driving smarter, faster, and more intuitive financial experiences for users worldwide.
The Rise of Intelligent Financial Assistants
Virtual financial assistants once simple chatbots now leverage machine learning, natural language processing (NLP), and predictive analytics to deliver real-time financial advice. These AI tools can:
- Track income, spending, and savings in real time
- Identify overspending patterns and suggest adjustments
- Forecast future cash flow based on historical behavior
- Recommend investment strategies aligned with user risk profiles
- Alert users to subscription creep, hidden fees, or financial anomalies
Whether integrated into banking apps, fintech platforms, or voice assistants like Alexa and Siri, AI-based personal finance tools are changing the way people manage money proactively, not reactively.
Hyper-Personalization: One Size Doesn’t Fit All
In the age of personalization, users expect their financial services to adapt to their lifestyles, not the other way around. Hyper-personalization uses real-time data, contextual awareness, and behavioral insights to provide services and experiences uniquely tailored to everyone.
Examples in 2025:
- Custom-tailored budgeting strategies based on spending habits and life stage
- AI-curated investment portfolios that evolve with user goals and market conditions
- Loan and credit card offers dynamically matched to credit behavior and income flow
- Adaptive saving plans triggered by user milestones (e.g., a new baby, moving, career change)
These experiences go beyond personalization they anticipate needs before users express them.
Predictive and Preventive Financial Management
AI enables platforms to move from descriptive analytics (what happened) to predictive and prescriptive analytics (what will happen and what should be done about it). This approach is revolutionizing personal finance in several ways:
- Predicting future spending spikes (e.g., holidays, bills) and prompting users to set money aside
- Detecting early signs of financial distress, such as declining account balances or missed payments
- Offering just-in-time financial nudges to optimize behavior (e.g., “You’re spending more than usual this week consider cutting back on dining out.”)
- Automating bill payments, transfers, and savings decisions based on dynamic income flows
By embedding intelligence directly into daily financial activities, fintechs are empowering users with continuous, personalized financial coaching without the cost of a human advisor.
AI for Financial Inclusion and Behavioral Finance
AI-driven personalization is also a powerful tool for promoting financial inclusion. By analyzing alternative data sources (like mobile payments, rent history, or utility bills), AI can:
- Create credit scores for the unbanked or underbanked
- Provide micro-savings and micro-lending options in real-time
- Tailor financial literacy content to user comprehension levels and languages
- Detect cultural or demographic nuances and adjust user journeys accordingly
This technology helps democratize access to financial tools, especially in underserved regions where traditional banking has failed to reach.
Ethical and Privacy Considerations
As fintechs gather more user data for personalization, privacy, transparency, and consent must remain front and center. In 2025, users are more aware of how their data is used and expect:
- Clear opt-in and opt-out mechanisms
- Transparency on how AI models make decisions (e.g., why a loan was denied)
- Ethical use of behavioral nudging that respects user autonomy
- Data protection in compliance with global laws (GDPR, CCPA, PIPL)
Responsible for AI deployment is not just a regulatory necessity is a competitive differentiator.
4. The Rise of B2B Fintech & API-led Platforms
While much of fintech’s early growth centered around consumer-facing apps and services, the spotlight in 2025 is increasingly shifting toward B2B fintech solutions built to empower businesses, financial institutions, and technology platforms. At the core of this revolution lies the API economy, enabling companies to embed financial services into their own offerings or build entirely new solutions on top of modular fintech infrastructure.
The API-Led Revolution
Application Programming Interfaces (APIs) are the backbone of the modular fintech stack, enabling developers and businesses to plug into financial services without building them from scratch.
Examples of API-led B2B fintech:
- Stripe and Adyen powering payment infrastructure for online businesses
- Plaid and Tink offering real-time access to banking data
- Currencycloud and Wise providing cross-border payment APIs
- Unit, Synctera, and Railsr enabling banking-as-a-service (BaaS)
- Alloy and Middesk handling KYC and business verification via API
Embedded Finance for B2B
In 2025, embedded finance is no longer just a consumer-facing trend. B2B companies are increasingly integrating financial tools directly into their platforms to improve customer stickiness and create value-added services.
These solutions blur the line between financial services and everyday business operations, unlocking efficiencies and monetization opportunities that were once the domain of traditional banks.
Automation and Operational Efficiency
Modern B2B fintech tools leverage AI and APIs to automate previously manual and error-prone financial processes:
- Automated reconciliation of invoices and payments
- Smart credit assessments using alternative data
- Dynamic cash flow forecasting based on real-time transactions
- Compliance automation for anti-money laundering (AML), KYC, and tax reporting
Fintech-as-a-Service (FaaS)
Fintech-as-a-Service providers offer businesses a plug-and-play infrastructure to launch financial products under their own brand. These platforms combine APIs, regulatory licenses, and compliance frameworks into turnkey solutions.
Global Expansion and Cross-Border Opportunities
As fintech infrastructure scales globally, B2B platforms are enabling international trade and cross-border financial operations like never before:
- Real-time FX conversion and multi-currency wallets
- Global vendor payments and supply chain financing
- Unified platforms for managing international payroll and taxation
This opens access to borderless business banking for SMBs and startups, levels the playing field, and promotes global commerce.
Challenges and Considerations
Despite its rapid growth, B2B fintech faces challenges that demand attention:
- Security: APIs handling sensitive financial data must be highly secure and resilient.
- Regulation: Businesses must comply with financial regulations across multiple jurisdictions.
- Integration complexity: As companies layer more services, API orchestration and system compatibility can become tricky.
- Trust: B2B buyers require proven reliability and scalability especially for mission-critical operations.
Building trustworthy, scalable, and compliant platforms is essential for long-term success in B2B fintech.
5. ESG and Green Fintech
As climate change, social equity, and governance accountability become top priorities for governments, investors, and consumers, Environmental, Social, and Governance (ESG) principles are reshaping the financial services landscape. In 2025, Green Fintech in the convergence of sustainability and financial technology is no longer a niche segment; it’s a fast-growing frontier driving ethical finance, climate-conscious investing, and transparent impact measurement.
ESG Reporting and Analytics Platforms
One of the fastest-growing segments in 2025 is the development of ESG analytics platforms that use AI and big data to assess the sustainability performance of companies and portfolios.
Key capabilities:
- Aggregating ESG data from multiple sources (financial statements, sustainability reports, third-party ratings)
- Scoring companies and funds based on ESG risk or impact
- Enabling investors to screen or re-balance portfolios based on ESG preferences
- Helping companies report ESG metrics in compliance with evolving global standards (e.g., CSRD, SFDR, SEC climate disclosure rules)
These platforms are increasingly embedded into wealth management apps, investment tools, and enterprise risk software.
Carbon Tracking and Offsetting
In response to growing consumer demand for transparency, fintech apps now allow individuals and businesses to track their carbon footprint in real time and offset it easily.
Examples:
- Personal finance apps that calculate the carbon impact of purchases and offer automated carbon offset donations
- Banking platforms that display carbon intensity scores per transaction
- APIs that let eCommerce companies show carbon-neutral checkout options
By embedding carbon data into everyday financial decisions, these solutions empower users to take measurable climate action.
Sustainable and Impact Investing Platforms
The rise of retail ESG investing has driven innovation in platforms that enable users to build portfolios aligned with sustainability values.
Features in 2025:
- Robo-advisors offering sustainable portfolio strategies
- Fund comparison tools that highlight ESG ratings, fossil fuel exposure, and green credentials
- Crowdfunding platforms for climate tech startups and clean energy projects
- Tokenized green bonds and community-based carbon credits for democratized access to impact assets
These tools are fostering a new generation of investors who want their money to create financial and environmental returns.
Green Lending and Credit Scoring
Fintech lenders are increasingly integrating sustainability factors into lending decisions, especially in sectors like agriculture, transportation, real estate, and manufacturing.
Innovations include:
- Offering better terms to eco-friendly businesses (e.g., solar installers, EV manufacturers, sustainable farms)
- ESG-based credit scoring for SMEs
- Loans tied to environmental outcomes (e.g., lower interest rates for reduced emissions or improved ESG ratings)
Banks and lenders are using green fintech infrastructure to support sustainable development goals while managing long-term environmental risk.
RegTech for ESG Compliance
Regulatory frameworks around ESG are evolving rapidly. Fintech is stepping up with RegTech solutions that help companies:
- Automate ESG disclosures and auditing
- Ensure alignment with taxonomies and standards (EU Taxonomy, GRI, TCFD)
- Track supply chain ethics and sustainability data
- Avoid greenwashing with verifiable metrics and digital certifications
These tools are critical in an era where ESG claims must be auditable, data-driven, and regulator-approved.
6. RegTech: Technology for Regulatory Compliance
As financial regulations grow increasingly complex and data-intensive, the rise of RegTech (Regulatory Technology) is transforming the way companies navigate compliance, reduce risk, and maintain transparency. In 2025, RegTech has evolved from a back-office support system to a strategic pillar of digital finance, enabling institutions to stay ahead of changing laws while automating critical processes.
What Is RegTech?
RegTech refers to technology solutions designed to streamline and automate compliance with regulatory requirements across financial services. These platforms use advanced tools such as:
- Artificial Intelligence (AI)
- Machine Learning (ML)
- Natural Language Processing (NLP)
- Blockchain
- Cloud Computing
The goal is to make regulatory processes faster, cheaper, more accurate, and scalable, especially as financial ecosystems become more global and decentralized.
RegTech for Fintechs and Digital Banks
For fintech startups, RegTech is a critical enabler. It allows them to comply with financial regulations without maintaining large compliance teams—a major cost and complexity barrier.
Examples:
- Neobanks using API-based KYC/AML tools during onboarding
- copyright exchanges automating compliance with evolving global standards (FATF, MiCA)
- Lending platforms using AI to ensure fair lending practices and explainable decisions
This plug-and-play compliance infrastructure lets fintechs focus on innovation while maintaining regulatory integrity.
Global Standardization and Cross-Border Compliance
With financial operations increasingly spanning multiple regions, RegTech platforms are being built to comply with jurisdiction-specific rules in real time.
Examples of supported frameworks:
- GDPR (EU data protection)
- CCPA (California privacy law)
- PSD2 (EU payments regulation)
- Basel III/IV (international banking standards)
- FATF travel rule for copyright transactions
- ESG disclosure regulations (CSRD, TCFD, SFDR)
By automating compliance localization, RegTech is enabling global fintech scale-ups to expand confidently.
Integration with AI, Blockchain, and APIs
Modern RegTech doesn’t work in isolation is interacts with the broader fintech stack using APIs and integrates with core systems to offer seamless, real-time compliance.
- AI & ML are used to detect anomalies, predict risk, and reduce false positives in alerts.
- Blockchain is leveraged for creating immutable audit trails and verifying transaction integrity.
- APIs allow for fast integration with CRMs, banking platforms, payment processors, and ERP systems.
These integrations create a compliant-by-design architecture, making compliance proactive rather than reactive.
Benefits of RegTech in 2025
- Cost Efficiency: Reduces manual labor and compliance overhead
- Speed: Accelerates onboarding, reporting, and audit readiness
- Accuracy: Minimizes human error and improves data reliability
- Agility: Helps firms adapt quickly to new regulations and emerging risks
- Transparency: Provides real-time dashboards and clear audit trails for stakeholders and regulators
For financial institutions facing mounting regulatory burdens, RegTech offers a scalable and sustainable solution.
7. Fintech Funding Trends and Global Investment Hotspots
The fintech industry continues to evolve at a rapid pace, driven in part by waves of venture capital (VC), private equity (PE), corporate investment, and government-backed initiatives. In 2025, despite macroeconomic pressures and regulatory headwinds in some markets, global fintech funding is rebounding, with a clear shift in investor priorities, geographic focus, and strategic verticals.
The Fintech Funding Landscape in 2025
Over the past decade, fintech has been one of the most well-funded sectors in the startup ecosystem. While 2022–2023 saw a funding slowdown amid global economic uncertainty, 2024 marked the beginning of a cautious recovery. Now, in 2025, the trend continues with:
- Increased investment in B2B and infrastructure fintech
- A pivot away from speculative copyright toward regulated digital assets and DeFi
- Emphasis on profitable, compliance-ready fintechs with scalable models
- Rising interest in green fintech, RegTech, and AI-powered platforms
Investors are now less focused on hyper-growth and more focused on sustainable, unit-economics-driven models that can scale across regions.
Fintech Funding by Stage
Early-stage funding (Seed to Series A) remains healthy, especially for startups solving infrastructure challenges or introducing novel financial models in underserved markets. Key areas include:
- Embedded finance
- AI for risk and fraud prevention
- ESG and climate finance
- SME lending platforms
Late-stage funding (Series C and beyond) is more selective, reserved for companies with proven business models, strong regulatory standing, and real revenue. Many unicorns are turning toward IPO readiness, strategic M&A, or partnerships with incumbent banks.
Vertical Hotspots for Investment
Investors in 2025 are channeling capital into specific fintech verticals showing resilience and innovation:
- Embedded Finance: Platforms integrating banking, lending, or insurance into non-financial apps
- Insurtech: AI-driven underwriting, parametric insurance, and climate risk coverage
- RegTech & Compliance Tools: Especially relevant for copyright and cross-border finance
- WealthTech: Hyper-personalized robo-advisors, digital family offices, and fractional investing
- Green Fintech & ESG Tools: Carbon tracking, sustainable portfolios, and climate risk analytics
- B2B Fintech Infrastructure: Payments, payroll, cross-border banking, and ERP integrations
Global Investment Hotspots
While traditional fintech hubs remain strong, 2025 is witnessing the rise of new geographies attracting global capital.
North America
- Still the largest fintech funding recipient
- Focused on AI, B2B infrastructure, wealth management, and RegTech
- NYC, San Francisco, and Austin remain top cities
- Regulatory scrutiny is shaping compliance-first fintech models
Europe
- Strong rebound after MiCA and PSD3 regulatory clarity
- London, Berlin, Amsterdam, and Stockholm are major fintech ecosystems
- Huge growth in green fintech, open banking platforms, and Insurtech
- France and Spain emerging as new fintech-friendly hubs
Asia-Pacific
- India: Rapid growth in digital lending, neobanking, and rural fintech inclusion
- Singapore: The region’s fintech headquarters with deep regulatory innovation
- Indonesia and Vietnam: Fast-growing startup ecosystems attracting regional VCs
- China: Recalibrating post-crackdown with focus on infrastructure and cross-border use cases
Middle East and Africa (MEA)
- UAE and Saudi Arabia: Strong government backing and sandboxes for digital finance
- Nigeria, Kenya, and Egypt: Booming mobile money and fintech solutions for unbanked populations
- Investors increasingly interested in inclusive, mobile-first financial tools
Latin America
- Brazil, Mexico, Colombia, and Argentina continue to draw capital
- Focus areas: real-time payments, cross-border commerce, credit inclusion, copyright wallets
- Regulatory sandboxes and digital ID systems boosting investor confidence
8. Predictions: What the Next 5 Years Hold
As the financial services sector continues to evolve rapidly, the next five years promise to bring profound changes. From regulatory shifts and technological breakthroughs to changing consumer expectations, the fintech industry is on the brink of a new era defined not just by innovation, but by scalability, personalization, and resilience.
Here’s what experts, data, and emerging signals suggest about the future of fintech through 2030:
Hyper-Personalization Will Become the Norm
Thanks to AI, big data, and behavioral analytics, the future of fintech is all about delivering tailored financial experiences.
- Banking apps will act as personal financial coaches, offering recommendations, savings nudges, and investment suggestions in real time.
- Financial platforms will analyze transaction history, life events, and user behavior to predict needs before they arise.
- Hyper-personalized lending and insurance products will use risk-based pricing and dynamic underwriting models.
Prediction: By 2030, over 70% of digital financial services will be driven by AI-powered personalization engines.
Embedded Finance Will Blur Industry Lines
In the next five years, non-financial platforms will become major financial providers. Whether you’re shopping, driving, or managing a business, financial services will be embedded natively into those experiences.
- Retailers offering loans or insurance at checkout (BNPL 2.0)
- Ride-share and delivery apps functioning as mobile banks for gig workers
- SaaS tools embedding payroll, invoicing, and capital services
Prediction: By 2028, embedded finance will account for more than $7 trillion in global financial transactions, fundamentally disrupting traditional banking models.
Decentralized Finance (DeFi) Will Mature and Integrate
Though volatile today, DeFi is expected to undergo a transformation, moving from experimental protocols to regulated, enterprise-grade systems.
- Hybrid models will emerge combining traditional finance compliance with decentralized infrastructure.
- Governments will issue regulated stablecoins or CBDCs, accelerating blockchain-based payment systems.
- Tokenized assets and real-world collateral will unlock new investment and lending opportunities.
Prediction: By 2030, DeFi will capture 10–15% of the global financial infrastructure, especially in cross-border lending, micro-investing, and treasury management.
Green & Ethical Fintech Will Go Mainstream
Driven by ESG mandates, climate risk, and consumer demand, green fintech will no longer be a niche. It will become a core part of financial ecosystems.
- Platforms will offer carbon tracking, green investment portfolios, and climate risk scoring.
- Regulatory frameworks will force climate-related disclosures and transparency.
- Green bonds, sustainable funds, and regenerative finance (ReFi) tools will flourish.
Prediction: ESG fintech will manage $20+ trillion in assets by 2030, with climate-focused compliance and transparency becoming standard practice.
AI, Quantum Computing & Predictive Finance
The adoption of AI will accelerate, but by 2027–2029, the early stages of quantum computing may begin to impact fintech especially in risk modeling, fraud detection, and cryptography.
- AI will automate wealth management, underwriting, and portfolio optimization.
- Predictive analytics will allow for “proactive banking”, where platforms offer financial solutions before users ask.
- Quantum breakthroughs will challenge existing encryption standards, prompting a shift to quantum-safe security.
Prediction: AI and quantum computing will redefine how financial institutions handle risk, security, and decision-making, with early adopters gaining major competitive advantages.
Global Regulatory Convergence & Digital Identity Standards
The future of fintech will be shaped heavily by global cooperation on regulation and unified digital identity systems.
- Countries will increasingly align around frameworks like MiCA, FATF, and ISO standards.
- Governments and financial platforms will adopt cross-border digital IDs, enabling seamless onboarding and compliance.
- RegTech will become a must-have infrastructure layer, using AI to maintain real-time regulatory compliance.
Prediction: By 2030, most G20 nations will support interoperable digital identity systems and shared compliance protocols, making global fintech scale easier and safer.
Financial Inclusion Will Expand Via Mobile & AI
As connectivity and smartphone penetration increase globally, fintech will bring financial services to billions of underbanked users.
- Voice-activated banking for non-literate populations
- Micro-loans and insurance tailored for gig workers and rural entrepreneurs
- Community-based credit scoring models using alternative data
Prediction: By 2030, 1.5 billion people will gain access to digital financial services, unlocking trillions in economic activity, especially in Africa, Southeast Asia, and Latin America.
Fintech-as-a-Service (FaaS) Will Power Innovation
- Rather than build from scratch, startups and even large enterprises will use modular fintech APIs and platforms to deliver financial services.
- Plug-and-play KYC, payments, lending, insurance, and investing modules
- Open finance ecosystems enabling collaboration between banks, fintechs, and third-party developers
- Accelerated time-to-market and reduced regulatory friction
Prediction: Fintech infrastructure platforms will drive 40% of all new financial product launches by 2030, empowering a new generation of financial innovators.
9. Conclusion
- As we move deeper into the digital age, 2025 stands as a pivotal year for the fintech ecosystem a time of recalibration, innovation, and strategic growth. This year’s trends reveal a maturing industry shifting from disruption to deep integration, where fintech is not just transforming finance but becoming the invisible engine behind everyday transactions, global trade, and personal financial empowerment.
- From the rise of decentralized finance and embedded solutions to the acceleration of AI-driven personalization, green finance, and B2B platforms, fintech is creating smarter, faster, and more inclusive financial systems. Regulatory clarity is improving, investor interest is refocusing, and digital infrastructure is evolving rapidly setting the stage for the next generation of scalable fintech innovation.
- Most importantly, fintech in 2025 is not just about technology is about trust, transparency, and impact. The winners in this space will be those that strike the right balance between innovation and regulation, customer experience and security, growth and ethics.
- As we look ahead, the trends of 2025 signal more than short-term opportunitiest to point toward a future where financial access is democratized, value creation is data-driven, and technology serves people, not the other way around. The fintech journey is far from over is just entering its most transformative chapter yet.