Thu.Feb 20, 2025

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What's Next for Fintech: Industry Expert Predictions for 2025

William Mills

The financial services landscape is evolving at a rapid pace. To help you stay ahead, we've compiled a collection of insights, trends, and predictions from our clients industry leaders and innovators who are shaping the future of finance. From technological advancements and regulatory shifts to changing consumer expectations, we explore the key forces driving change in 2025 and beyond.

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AI as a game changer: Leapfrog to banking excellence

Abrigo

This article covers these key topics: The central value of AI for banking Efficiency vs. effective: Why it matters Workflows and transforming processes with AI Additional elements for a successful AI strategy Taking your institution directly to best in class with the right AI strategy An AI strategy will unlock the greatest value for banks and credit unions when the strategy aims for bold, audacious goals rather than incremental efficiency gains.

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How stablecoins may extend US dollar supremacy

Payments Dive

“Dollar-based stablecoins such as USDT and USDC are traded all over the world at any time of the day, regardless of holidays, time zones, and whether markets are open or closed,” writes the CEO of an embedded finance company.

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How AI helps prevent fraud and false positives—without replacing compliance professionals

Abrigo

Artificial intelligence (AI) is transforming fraud prevention AI offers financial institutions a way to reduce false positives, detect fraud faster, and improve suspicious activity monitoring. However, AI is not a substitute for human expertiseits a tool that enhances efficiency and decision-making. When integrated strategically, AI allows BSA and fraud teams to focus on higher-risk cases and conduct more thorough investigations while maintaining complete control over compliance processes.

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Leverage Trellis Court Data To Identify More Investment Opportunities

Finance teams find Trellis to be particularly effective in conducting comprehensive due diligence on both individuals and businesses. With our court data solution, financial experts can access critical litigation insights, making it an invaluable resource for informed decision-making in the financial sector.

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Savings providers vow to fight any attempt to cut cash Isa limit to £4,000

TheGuardian

City executives spoke to Rachel Reeves about reducing annual allowance from current 20,000, reports say Major savings providers have pledged to fight any attempts to cut tax breaks on cash Isas amid reports that the government is considering a plan to slash the maximum amount people can put into them from 20,000 a year to 4,000. In recent weeks a row has broken out over whether ministers should scale back tax breaks on the popular savings accounts.

Taxes 101

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UK lenders paid car dealers cash upfront that may have led to costlier loans

TheGuardian

Exclusive: Advance commissions said to total millions of pounds allegedly pushed customers to certain providers UK lenders paid advance commissions to car dealers that may have encouraged them to push costlier loans on to consumers, legal filings linked to the motor finance scandal reveal. Court documents seen by the Guardian show that lenders, including Lloyds Banking Group, have paid commission to individual dealerships in lump sums upfront, which campaigners say total millions of pounds.

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Waller sees stablecoins advancing in retail

Payments Dive

Stablecoins are seeping into payments at stores, but there are plenty of hurdles before they become widely used, according to Federal Reserve Governor Christopher Waller.

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Lloyds puts aside a further £700m for compensation over car finance scandal

TheGuardian

Profits hit as total held back for payouts rises to almost 1.2bn amid uncertainty over final financial impact Business live latest updates Lloyds Banking Group has been forced to put aside a further 700m for potential compensation over the ballooning car loan commission scandal, in a move that knocked its annual profits by 20%. The latest provision marks a notable jump in the banks estimates for the potential cost of the scandal and brings the sum it will hold back for payouts to almost 1.2bn.

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GIV us some credit: estimating the macroeconomic effects of credit supply shocks

BankUnderground

Sam Christie and Aniruddha Rajan Sudden contractions in credit supply can trigger and amplify recessions a reality made painfully clear by the 2008 global financial crisis (GFC). However, quantifying these real economic effects is challenging. In this post, we demonstrate a novel way to do so using Granular Instrumental Variables (GIV) , focusing on the UK mortgage market.

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State of AI in Sales & Marketing 2025

AI adoption is reshaping sales and marketing. But is it delivering real results? We surveyed 1,000+ GTM professionals to find out. The data is clear: AI users report 47% higher productivity and an average of 12 hours saved per week. But leaders say mainstream AI tools still fall short on accuracy and business impact. Download the full report today to see how AI is being used — and where go-to-market professionals think there are gaps and opportunities.

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Goldman Sachs, Capital One prep for self-driving AI agents

American Banker

As tech companies launch agentic AI that can execute tasks as well as generate content and reason, banks are putting frameworks and controls in place to start taking advantage.

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Capital One acquires Discover Financial for USD 35.3 billion

The Paypers

US-based Capital One has acquired Discover Financial Services as their respective stakeholders voted to approve the move.

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Diverging state-level rules splinter bank regulatory compliance

American Banker

Banks are analyzing their regulatory exposure through the lens of "red state" versus "blue state" requirements a consideration that would have been unthinkable just a few years ago.

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Nigeria sues Binance for USD 81.5 billion due to economic losses and back tax

The Paypers

Nigeria has instituted legal proceedings against Binance , seeking USD 79.5 billion in damages for claimed economic losses and USD 2 billion for unpaid taxes.

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Book of Secrets on the Month-End Close

Based off SkyStem's popular e-Book, the book of secrets to the month-end close will be revealed in this one-hour webinar. Learn leading practices when it comes to building a strong and sustainable month-end close that has room to grow and evolve. Learn about the power of precise estimates, why reconciliations are critical to closing the books, how and when to automate, and how the chart of accounts play into your close process.

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U.K. puts Apple, Google wallets under antitrust microscope

American Banker

Regulators are investigating the technology giants over concerns their financial apps are violating competition rules. That and expanding tech in emerging markets highlight this week's American Banker global payments roundup.

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Mastercard to eliminate physical card numbers by 2030

The Paypers

Mastercard has unveiled its plans to phase out traditional 16-digit card numbers by 2030, marking a significant shift in payment technology.

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Banks have 'best chance in decades' to pass credit union tax

American Banker

Republicans' emerging tax bill could include a measure to subject some credit unions to federal taxes, reigniting a long-simmering conflict between bankers and credit unions.

Taxes 47
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Openbank launches in Mexico

The Paypers

Openbank , Grupo Santander ’s fully digital bank, has announced its launch in Mexico with an improved suite of everyday financial products.

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The GTM Intelligence Era: ZoomInfo 2025 Customer Impact Report

ZoomInfo customers aren’t just selling — they’re winning. Revenue teams using our Go-To-Market Intelligence platform grew pipeline by 32%, increased deal sizes by 40%, and booked 55% more meetings. Download this report to see what 11,000+ customers say about our Go-To-Market Intelligence platform and how it impacts their bottom line. The data speaks for itself!

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Top 25 Credit Union Conferences, Events and Trade Shows in 2025

Fintech Labs Insights

The credit union industry has dedicated conferences for just about every function. They are high-quality and have more networking than you get at other B2B events. Its a collaborative industry whose conference attendees are eager to learn and share. Its very refreshing. Take a look at our curated list of the top events for credit union technologists, product managers, developers, marketers and as well as the C-Suite and even directors.

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Thunes extends Direct Global Network to Taiwan

The Paypers

Thunes has expanded its Direct Global Network to Taiwan, enabling real-time cross-border payments in both TWD and USD.

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Ex-FHFA chief Mark Calabria reportedly back in government

American Banker

Calabria left the free-market think tank Cato Institute and is said to be at the Office of Management and Budget, reviewing multiple agencies.

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eToro obtains MiCA licence to provide crypto services in Europe

The Paypers

Israel-based social trading-focused online broker eToro has announced that the Cyprus Securities and Exchange Commission ( CySEC ) granted its EU subsidiary approval to deliver crypto services across Europe under the MiCA framework.

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Demo SkyStem’s Award Winning Month-End Close Solution & Earn $100

Is your finance team bogged down by endless data requests and disorganized spreadsheets during the month-end close? It’s time to consider a better option – automate with ART! SkyStem’s solution works alongside your ERP to transform the close and account reconciliation process and speed up month-end work. Explore SkyStem’s ART - the award-winning account reconciliation automation platform - and receive a $100 Amazon gift card as a thank you for your time.

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Employee Spotlight: Erin Hannan

Image Works Direct

Meet Erin Hannan, another talented member of image.works design team. Like all our designers shes creative, but shes also incredibly well rounded; outside of work Erins into abstract painting, weightlifting, watching Big 10 sports and reading.

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Shift4 to acquire Global Blue in USD 2.5 billion deal

The Paypers

Shift4 has entered into an agreement to acquire Global Blue for USD 7.50 per common share in cash, valuing the transaction at approximately USD 2.5 billion.

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Biz2Credit leans in to AI underwriting

American Banker

The New York-based fintech's high-tech initiative is the centerpiece of an initiative aimed at capitalizing on an expected surge in small business lending activity.

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Mastercard launches One Credential to provide an optimised checkout experience

The Paypers

Mastercard has announced the launch of its new product, Mastercard One Credential, a single digitally connected credential that offers clients multiple ways to pay.

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5 Ways You Can Win Faster with Gen AI in Sales

Incorporating generative AI (gen AI) into your sales process can speed up your wins through improved efficiency, personalized customer interactions, and better informed decision- making. Gen AI is a game changer for busy salespeople and can reduce time-consuming tasks, such as customer research, note-taking, and writing emails, and provide insightful data analysis and recommendations.