FinTech Trends

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The financial industry is in the middle of a massive digital revolution—and the pace of change isn’t slowing down. FinTech trends are driving new opportunities, disrupting traditional banking, and redefining how consumers and businesses interact with money. If you’re not paying attention, you’re already falling behind.

1. 数字支付

金融科技不再是美国的故事。亚洲的金融科技融资额现在比北美和欧洲更大。

中国是世界上最好的数字货币模式。现金在中国基本消失。微信和支付宝的市值是$5.5万亿美元。因为中国超越了信用卡……从未流行起来。这是一个无现金社会。  There’s no interchange.  You built a proprietary system.  Two payment systems where everybody uses.  China is allowing massive growth with limited oversight. Over 3 years, there has been enormous adoption. The only mechanism to dissuade corruption without $50k without approval is a yearly cap.  If you want to move a lot of money around, you’ll need to get approval.

In the US, you have Visa, American Express, or Mastercard, which are the transaction holders.  In China, Tencent and Alibaba are the entire stack. In the US, we have 500 apps.  In China, there are far fewer apps.  Customers go to 1 or 2 apps, and do everything in there.

东南亚正在发生金融科技创新。在印度，有使用公共资金的 PayTM。  泰国较早开始数字支付，但从未取得中国那样的成就。泰国的数字化支付很大程度上是文化因素，人们通过 7/11 便利店支付账单。 

2.以客户为中心

以客户为中心是大趋势。银行现在比以往任何时候都更受新兴金融科技初创企业和科技公司的竞争。

Banking is the third most visited type of app, after Social Media and Weather.  Surveys show a vast majority of millennials believe online banking is better than going to the bank.

Surprisingly, large national banks are more customer-centric, followed by regional banks, followed by overall, followed up by credit unions, and community banks.

Customer Centricity no longer means knowing your name at the local bank.  What matters to more customers now is that the App works.  Smaller financial institutions may suffer as a result of revolutionary changes in customer needs.  Fewer people care about human interaction.  So, massive shifts are occurring from Credit Unions to the top large national banks.

3. 技术技能日益主导金融服务

金融业的增长很大一部分来自技术。当今的商业环境越来越需要调整员工队伍，以适应以客户为中心的新观念。越来越多的优秀专业人士拥有 IT、数据科学、编程和算法背景。 现在重要的是真正良好的数据和用户体验（UX）。

Face-to-face employees are becoming less common in the Financial Services job market.  Analyst jobs are becoming less prominent.  Top analysts may stay, but Robo-analysts may increasingly replace lower-level analysts. Robo Advisors ask a specific number of questions and have a finite number of decision made on it.  Decision-making may increasingly rely on Robo advisors. 

未来 5 年内，大量银行业岗位将因人工智能和自动化而消失。这种消失正在发生 快多了 比制造业的损失要大得多。速度要快得多。这对社会和政府来说可能是一个真正的社会问题。

Increasingly, Computer Science majors are in higher demand than traditional business degrees.  Processing jobs are largely gone as there is less of a need for manual check adjudicators anymore.

科技公司越来越需要 即时生产 招聘。这与传统的漫长招聘准备时间形成鲜明对比。金融服务行业的招聘不需要提前规划。这是因为随着公司越来越依赖技术，时机就是一切。

4. 金融服务中的人为因素

在当今的金融服务中，面对面沟通在哪些方面发挥着重要作用？这些工作不太容易实现自动化。这些工作包括：

• 并购具有高度的人为分析和交易
• 咨询业务
• 一些股权融资需要讲故事、定性分析和关系
• 产品开发和产品管理

然而，很少有角色不受大量软件和数字化干扰。

5. 不断发展的金融科技生态系统和竞争

金融服务生态系统正在不断发展。生态系统主要包括三个组成部分：

• 银行
• 金融科技 
• 风险投资

“竞合”现象日益增多，即合作与竞争，风险投资公司正在为直接与银行合作的金融科技公司提供资金。  

6. 传统银行战略重点的转变

即使是传统的大型银行也在重新考虑他们的假设和优先事项。以下是金融机构的新战略重点：

• 以客户为中心
• 移动优先
• 深度集成
• World-class technology
• 无摩擦数字体验
• 长期战略重点是增长
• 严谨的战略执行

7. 新兴机遇

以下是金融服务公司正在考虑的一些机会：

• 成长板
• 创业辅导
• Real-time payment schemes
• Ripple 和区块链
• 保险科技、可穿戴设备和健康科技
• 小额支付
• 人工智能、机器学习和自然语言处理
• 机器人流程自动化 (RPA) 
• API（金融公司与科技公司之间）
• 面向千禧一代的消费银行，如高盛的 Marcus 和大通的 FINN

8. 费用压缩和数字化颠覆

金融科技正在消除过去的收费模式。这种创新尤其发生在欧洲，参与者包括 Revolut 和 N26。  以前，人们几乎从不更换银行账户。平均每 17 年更换一次。通常是在离婚、结婚或搬家时。金融科技正在改变这一现状。

9. 热门金融科技市场研究方法

• 卡诺模型
• 净推荐值
• 客户努力评分 (CES)
• A/B 拆分测试

10. Blockchain, DeFi, and the Tokenized Future

Decentralized Finance (DeFi) is challenging the very foundations of traditional banking. Blockchain technology, smart contracts, and tokenized assets are opening new doors for peer-to-peer lending, decentralized exchanges, and transparent financial transactions.

The future of finance is:

• Trustless: No intermediaries, just blockchain-powered transactions

• Accessible: Global users can participate in DeFi ecosystems

• Transparent: Smart contracts execute transactions with full visibility

11. Open Banking: Data-Driven Financial Power

Consumers want more control over their financial data—and open banking is making that possible. By securely sharing financial data via APIs, banks and FinTech companies are creating seamless, customer-centric experiences.

Open banking is enabling:

• Personalized financial products tailored to consumer spending habits

• Faster, more secure transactions

• Cross-platform banking solutions that empower users

12. Hyper-Personalization: One-Size-Fits-All is Dead

Financial services are no longer about generic products—they’re about customized, hyper-personalized experiences. With AI, big data, and predictive analytics, FinTech firms can offer tailored financial solutions that meet individual customer needs.

Examples include:

• Personalized credit scoring based on alternative data

• AI-driven financial coaching that adapts to real-time spending habits

• Predictive savings tools that automate budgeting

13. Cybersecurity and Fraud Prevention: Non-Negotiable Priorities

As FinTech adoption skyrockets, so do cyber threats. Security is no longer optional—it’s a business imperative.

Leading FinTech firms are leveraging:

• Biometric authentication for secure logins

• AI-driven fraud detection that identifies threats before they happen

• Decentralized identity solutions powered by blockchain

What’s Next for FinTech?

AI will become the core of financial decision-making

🚀 The metaverse and Web3 will create new digital financial ecosystems

🚀 Central Bank Digital Currencies (CBDCs) will reshape the payments industry

🚀 FinTech firms will partner with regulators to scale responsibly

Final Thoughts from Ruth Stanat, CEO of SIS International Research

FinTech isn’t a trend—it’s a revolution. The companies that embrace these changes will thrive, while those that resist will become obsolete. This is the era of digital-first finance, and only the bold will lead the way.

在 SIS 国际研究, we provide the insights, data, and strategies you need to stay ahead of the FinTech curve. 

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纽约州纽约市东22街11号2楼 10010 电话：+1(212) 505-6805

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