Tag Archives: 2025

FinTech Focus TV: Toby Babb and Mark Beeston on Venture Winter to Venture Spring

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In the latest episode of FinTech Focus TV, Toby Babb sits down with Mark Beeston, Founder of Illuminate Financial, for a deep dive into the evolution of venture capital in FinTech.

Mark reflects on Illuminate Financial’s 10-year journey, shedding light on their unique venture capital model and the strategies behind their success. He explores key trends shaping financial technology in 2025 and beyond, highlighting the role of industry partnerships and strategic investments.

The discussion also covers challenges and opportunities in the current venture capital landscape, emphasizing the importance of patience, precision, and adaptability in navigating market changes. From the impact of AI and digital assets to the significance of collaboration, this episode offers valuable insights for entrepreneurs, investors, and FinTech professionals looking to stay ahead.

Payhawk’s Fintech Power 50: Industry Leaders Share Top Trend Predictions for 2025

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The fintech industry is reaching a pivotal moment. In this webinar, Pedro Batista (VP of Payments, Payhawk), Kamran Hedjri (CEO, PXP Financial), and Jeff Parker (CEO, Paymentology) come together to explore the game-changing trends shaping finance in 2024 and share bold predictions for 2025.

From AI-driven innovation and embedded finance to sustainability initiatives and blockchain advancements, this panel unpacks the critical areas businesses must prioritize to stay ahead in a rapidly evolving landscape.

 

Rex & Simon Discuss the State of Fintech 2025

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In this episode of “Rex & Simon Talk Fintech,” they dive into Simon’s comprehensive 113-page report on the state of fintech in 2025, created in collaboration with Jevgenijs Kazanins of Popular Fintech. They explore how hyperscalers like Revolut and Robinhood are challenging traditional banks, the potential of AI to unlock 90% of the $30 trillion financial services market, and the fierce competition in the wallet wars. The discussion also covers embedded finance, stablecoins, real-time payments, and the global rise of Neobanks.

You can read Simon Taylor’s State of Fintech 2025 report at Fintech Brainfood. Tune in to discover why fintech’s evolution is far from over and what the future might hold for this dynamic industry.

10 Fintech Trends to Watch in 2025 According to Citi

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Citi analysts foresee fintech entering a “dynamic new phase” in 2025, building on Q4 2024 improvements after a year of stabilization. Despite fluctuations in the five years since the pandemic began, the sector’s core drivers—digitization, modernization, and enablement—remain robust. Here are the 10 key developments Citi analysts, led by Andrew Schmidt, predict:

  1. Strong Fintech Performance:
    Following the U.S. election, approximately 66% of Citi-covered fintech stocks outperformed the market, compared to just 31% earlier in the year. Broader investor interest across market caps is a promising indicator for 2025 growth.
  2. Bank and Credit Union Consolidation:
    M&A activity is expected to accelerate, surpassing historical averages. Beneficiaries include Fidelity National Information (NYSE:FIS) and Q2 Holdings (NYSE:QTWO), as merged entities adopt their technologies. Alkami Technology (NASDAQ:ALKT) is well-positioned, while Jack Henry & Associates (NASDAQ:JKHY) could see gains depending on specific pairings.
  3. Fintech M&A Activity Increases:
    Analysts anticipate smaller, manageable transactions, with a few larger deals possible. Rising stock valuations may encourage sales, particularly among function-based companies. Sponsors holding assets could act on opportunities, while a stable or declining interest rate environment might drive acquisitions, benefiting profitable firms with low debt.
  4. Capital Markets Rebound:
    Increased activity in capital markets could unlock new fintech opportunities. While sustainable, profitable growth remains a focus, private and public companies may pivot to growth investments later in 2025 and beyond.
  5. Transformation Success in Focus:
    Companies like PayPal Holdings (NASDAQ:PYPL) and Block (NYSE:SQ) are progressing in their strategic transformations. Fidelity National Information (NYSE:FIS) is advancing, though with a longer timeline, and Global Payments (NYSE:GPN) is in the early stages of repositioning.
  6. Generative AI Expands:
    Revenue opportunities tied to generative AI and data management are expected to grow gradually. Companies poised to benefit include Clearwater Analytics (NYSE:CWAN), Alkami (NASDAQ:ALKT), Q2 Holdings (NYSE:QTWO), Jack Henry (NASDAQ:JKHY), Mastercard (NYSE:MA), and Visa (NYSE:V).
  7. Subdued U.S. Migration:
    Restrictive border policies and anti-immigrant rhetoric are likely to limit migration. Stocks tied to remittance services, such as Western Union (NYSE:WU), Euronet (NASDAQ:EEFT), and Remitly (NASDAQ:RELY), are expected to be impacted.
  8. U.S. Policy Uncertainty:
    Analysts remain watchful of consumer health and potential adverse policy effects on spending and cross-border trade. These factors remain unpredictable but could influence the fintech landscape in 2025.
  9. Deregulation Opportunities:
    Companies with significant exposure to deregulation themes include Marqeta (NASDAQ:MQ), Visa (NYSE:V), Mastercard (NYSE:MA), Alkami (NASDAQ:ALKT), Q2 Holdings (NYSE:QTWO), Jack Henry (NASDAQ:JKHY), Fiserv (NYSE:FI), Fidelity National Information (NYSE:FIS), PayPal (NASDAQ:PYPL), and Block (NYSE:SQ).
  10. Another Digital Asset Cycle:
    Enhanced regulatory clarity may boost digital asset use cases, especially Stablecoins in cross-border and wholesale trade. Analysts are closely monitoring these developments for broader applications.

Citi’s comprehensive analysis highlights opportunities and challenges shaping the fintech sector in 2025, underscoring its resilience and potential for innovation.