Fintech Trends Reshaping Treasury in 2025

Treasurers find themselves at the intersection of rapid fintech innovation and shifting economic conditions. The past year saw fintechs continue disrupting traditional financial services, advancing analytics, redefining risk management, and challenging long-held industry norms. 

Now, just a month into the new year, several key fintech trends are poised to shape the corporate treasury landscape. From the continued rise of stablecoins to the strategic importance of FX hedging, these developments will influence how treasurers navigate financial resilience and growth in 2025.

PSPs Turn to Fintechs Over Traditional Banks

Historically, Payment Service Providers (PSPs) have relied on banks to support their operations and deliver essential financial services. Yet, these partnerships have increasingly proven to been fraught with challenges, hindering their ability to operate efficiently and meet market demands. 

With digital payments accelerating, PSPs are no longer willing to accept outdated banking processes or the looming threat of unexpected account closures, a challenge faced by 95% of PSPs, according to recent research.

In response, PSPs are actively seeking alternatives. Fintechs are stepping in, offering more agile, transparent, and efficient financial services that better align with PSPs’ evolving needs. With 75% of PSPs having explored fintech partnerships last year, this trend is set to gain further momentum in 2025.

Stablecoin Adoption Gains Traction

Many financial institutions and industry stakeholders now see the huge potential of stablecoins and the benefits they could bring from bypassing the inefficient and slow processes of traditional payments to increased security, recordkeeping and transparency.

As a result, legislation is coming down the tracks fast. The UK has stepped up its efforts to redefine the rules around staking and there’s hope that the US Congress could advance stablecoin laws before the end of the year. 

If passed, these regulations could mark a turning point, accelerating adoption across financial institutions.

For treasurers, stablecoins are no longer a distant prospect—they are becoming an integral part of the financial ecosystem. To stay ahead, treasurers must familiarise themselves with the latest developments, explore digital wallet options and assess their potential use cases. Those who delay risk falling behind as stablecoins gain broader acceptance in 2025.

AI’s Expanding Role in Finance

AI is no longer confined to chatbots and automated workflows—it is now redefining core financial functions. Payment firms are leveraging AI for fraud detection, risk assessment, and investment decision-making, enabling real-time insights and more effective financial management.

However, AI adoption within banks remains cautious. The industry has learned hard lessons from past fintech waves—particularly 2010, when heavy investment was made into new technology and that didn’t exactly deliver expected returns. 

Given that banks are risk-averse institutions, there are also plenty of challenges around AI that need to be thoroughly examined first, such as data protection, before banks commit to further AI adoption this year.

FX Hedging Remains a Treasury Priority

Last year, currency volatility remained a top concern for businesses as geopolitical tensions, monetary policy shifts and economic uncertainty shaped the global landscape.

From the pound’s challenges post-U.S. election to rising hedging costs, FX risks are pressing—and treasurers must shift from reactive to proactive FX risk management strategies.

Some CFOs are already facing tough questions about the impact of exchange rates on foreign revenues this year, with some of the largest global corporates reporting revenues like Amazon, Apple and Nike negatively affected by continued US dollar strength in the fourth quarter.

Traditional reliance on banks often results in poor pricing, slow execution, and outdated tools, leaving SMEs particularly exposed to currency fluctuations. Thankfully, fintech solutions offer a smarter alternative, providing real-time insights, better pricing models, and seamless integration with financial systems. 

These innovations empower treasurers to lock in exchange rates, hedge effectively, and align risk management with cash flow forecasting.

In today’s volatile markets, robust FX hedging is essential for financial resilience and sustainable growth. This year, we will continue to see the adoption of modern tools so businesses can protect profitability, navigate uncertainty, and seize opportunities. The stakes are high—those who fail to adapt risk falling behind.

Looking Ahead

The pace of fintech innovation shows no signs of slowing. From the mainstreaming of stablecoins to the growing reliance on AI and fintech-powered FX management, 2025 will be another transformative year for corporate treasurers.

Treasury teams that embrace these fintech advancements will position themselves for greater efficiency, resilience, and strategic growth. Those who hesitate risk being left behind in an increasingly digital financial landscape. The time to act is now.