Fintech in 2025: Where the Industry Goes Next - Bold Fintech Ideas and Predictions for 2025

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Dec 9, 2024

Dive into bold predictions for fintech in 2025, where AI is set to transform traditional banking and enhance customer experiences. The conversation tackles the complexities of financial regulations and their impact on markets. It highlights risks in private credit and the alarming rise of payment fraud. Notably, the potential of decentralized finance and stable coins take center stage, with a forecast of significant asset movement. The discussion emphasizes the need for innovative solutions and learning from global trends to navigate this evolving landscape.

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INSIGHT

Incumbents Beat Fintechs to AI Adoption

Incumbent banks are surprisingly more willing to adopt AI than fintechs.
This is due to banks having existing budgets, data, and manual processes ripe for automation.

ADVICE

Agentic Workflows for Efficiency

Fintechs should leverage AI-driven agentic workflows to streamline operations.
These workflows break down complex tasks into smaller, automatable steps, improving efficiency.

INSIGHT

AI Overhype

AI is overhyped; it's not a magic wand.
Focus on identifying specific problems and then explore AI solutions, rather than blindly applying AI.

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Hello and welcome back to our limited series podcast, Fintech in 2025, recorded live in Las Vegas during Money 20/20.

Sponsored by Marqeta, today’s final episode ties it all together—with bold predictions and spicy takes!

In prior episodes, we've talked about regulation and interest rates and new infrastructure. We've done deep dives into credit cards, BNPL, and the various ways those products are becoming fused together.

But where is the industry as a whole going in 2025?

What trends and technologies for the next year should we be most excited about? Which should we be most dubious of? What ideas in fintech are we still not talking enough about?

From AI-powered workflows to rethinking customer support, it’s a no-holds-barred dive into what’s next for fintech.

Join Jenny Johnston (OpenAI), Fouzi Husaini (Marqeta), Simon Taylor (Fintech Brain Food), Lucinda Shen (Axios), and Tony Tom (TBD) for strong opinions and surprising insights.

Transform your business with Marqeta's modern card issuing platform. Our open API platform allows businesses to instantly issue cards and process payments. Integrate end to end credit and payment solutions into your business processes using our modern card issuing platform. Learn more at marqueta.com

Sign up for Alex’s Fintech Takes newsletter for the latest insightful analysis on fintech trends, along with a heaping pile of pop culture references and copious footnotes. Every Monday and Thursday: https://workweek.com/brand/fintech-takes/

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