fintech digest
Top Fintech Trends 2025, Luxury Brands Accept Crypto, Tokens Transforms Investments And More
Research Team
3 January 2025
Increased Regulation and Embedded Finance Predicted as the Top Fintech Trends for 2025 by Mambu and Partners
Leading Software as a Service (SaaS) cloud banking platform Mambu, has launched its annual Partner Predictions Report for 2025.
The report identifies the top trends for 2025 including the increased adoption of AI, embedded finance, and real-time payments. The report also highlights other influential areas poised to reshape the financial landscape including emerging regulations, blockchain, and alternative lending.
As Bitcoin Soars, Luxury Brands Consider Accepting Crypto Payments
Bitcoin’s soaring value has caught the attention of high-end fashion brands and retailers, prompting further interest in offering cryptocurrencies as a means of payment to tap in to fresh pockets of wealth and build loyalty with crypto investors. Until recently, only a handful of luxury brands including LVMH, opens new tab watch labels Hublot and Tag Heuer as well as Kering-owned, opens new tab fashion brands Gucci and Balenciaga have experimented with crypto payment offers.
Financing Through Fintechs Nearly Doubled
Financing provided by or through these electronic platforms was studied for the first time in the FSB context. This financing largely consists of loans to SMEs and for the purchase of real estate, but also consumer loans. Mapping these relatively new types of financing is needed to monitor any shifts in lending towards less traditional parties due to digital innovation.
How Tokenization is Transforming Global Finance and Investment
After years of investment, proof of concept and testing, the planets are aligning and tokenization of financial assets is finally happening at an institutional and governmental level. This shift will forever change the way that nations trade and promote more inclusive financial participation.
Digital Payments Continue to Rise, Albeit at a Slower Pace; Cash Remains a Key Payment Method
The European Central Bank (ECB) today published the results of the latest study on the payment attitudes of consumers in the euro area (SPACE). Despite the trend towards digital payments, the number of cash payments remains significant in 2024, especially for small-value and person-to-person payments.
In terms of number of payments, cash is used at the point of sale in 52% of transactions, down from 59% in 2022. In terms of value, cards are the most dominant payment instrument (with a share of 45%, down from 46%), followed by cash (39%, down from 42%) and mobile apps (7%, up from 4%).