5 Main Fintech Trends for the Second Half of 2025

Financial technologies continue to develop rapidly, significantly influencing various aspects of our lives. I work a lot with this industry and want to share with you my insights on the main trends in global fintech. 

1) Reducing the cost of services

One of the key trends is the gradual reduction in the cost of financial services for end users.

Technological innovations, including process automation, the introduction of new business models can significantly reduce costs.

Thanks to this, financial services are becoming more accessible to a wider audience, which is especially important for socially vulnerable categories of citizens and developing countries.

2) The spread of biometrics

The use of these technologies is already going beyond traditional banking, being applied in mobile banking applications, e-wallets and even in retail purchases.

• In India, DCB Bank uses the national biometric system Aadhaar to identify customers at ATMs without a PIN.
• MasterCard has teamed up with Zwipe to develop cards with an embedded fingerprint scanner, allowing payments without a PIN.
• CityGroup has also integrated voice biometrics into its processes in the Asian region.

You can read more about biometric in my previous article.

3) Digital banks and super apps

The emergence of fully digital banking platforms and super apps has revolutionized the industry.

• Revolut is a neobank with 35 million users that has turned into a fintech super app, offering multi-currency accounts, cryptocurrencies, stock trading, insurance, hotel booking (Revolut Stays), a chat for discussing finances, virtual cards.

4) Artificial Intelligence and Automation

Artificial intelligence is becoming an increasingly important tool for personalizing financial services. Machine learning algorithms analyze huge amounts of data, helping companies better understand customer needs and offer them individual solutions.

Discover Financial has created a virtual assistant, Discover, powered by generative AI that can provide direct customer assistance, creating a smoother, more efficient, experience for customers around the world.

5) Increased Cybersecurity

With the number of online transactions and the volume of user data growing each year, the threat of cyberattacks is becoming more pressing. Global losses from online payment fraud are projected to exceed $362 billion between 2023 and 2028. (Juniper Research)

What fintech trends do you observe?