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. 數位支付

金融科技不再是美國的故事。目前，亞洲的金融科技融資規模超過了北美和歐洲。

中國是世界上最好的數位貨幣模式。現金已基本從中國消失。微信和支付寶是$5.5兆美元。因為中國超越了信用卡……從未流行起來。這是一個無現金社會。  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.

金融科技創新正在東南亞發生。在印度，有一個使用公共資金的PayTM。  泰國在數位支付方面起步較早，但從未達到中國的水平。其中許多是泰國的文化，人們透過 7/11 商店支付帳單。 

2. 以客戶為中心

以客戶為中心是一個巨大的趨勢。現在銀行比以往任何時候都更容易受到新興金融科技新創公司和科技公司的競爭。

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. 技術技能日益主導金融服務

金融業的成長大部分來自科技。當今的商業環境越來越需要調整您的員工隊伍，以適應以客戶為中心的新觀點。越來越多優秀的專業人士擁有 IT、數據科學、程式設計和演算法背景。 現在重要的是真正良好的數據和用戶體驗（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. 

未來五年內，大量銀行工作將因人工智慧和自動化而消失。這種損失正在發生 快得多 遠高於製造業的損失。快得多。對於社會和政府來說，這可能是一個真正的社會問題。

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.

科技公司越來越需要 準時制 招聘。這與傳統的較長招募週期形成鮮明對比。金融服務領域的招募需要較少的事先規劃。這是因為，隨著公司變得更加技術驅動，時機就是一切。

4. 金融服務中的人為因素

在當今的金融服務中，面對面的重要性在哪裡？我這些工作不太容易自動化。這些包括：

• 併購，具有高度的人性分析與交易撮合
• 諮詢業務
• 一些股權融資需要說故事、定性分析和關係
• 產品開發及產品管理

然而，很少有角色沒有大量的軟體和數位中斷。

5.不斷發展的金融科技生態系統與競爭

金融服務領域的生態系統正在不斷發展。生態系中有 3 個主要組成：

• 銀行
• 金融科技公司 
• 創投

「合作競爭」（即合作與競爭）日益增多，創投公司正在為直接與銀行合作的金融科技公司提供資金。  

6.傳統銀行策略重點的變化

即使是傳統的大型銀行也在重新考慮他們的假設和優先事項。以下是金融機構的新策略重點：

• 以客戶為中心
• 行動優先
• 深度整合
• World-class technology
• 無摩擦的數位體驗
• 長期策略重點關注成長
• 嚴格的戰略執行

7. 新的機遇

以下是金融服務公司正在考慮的一些機會：

• 生長板
• 創業輔導
• Real-time payment schemes
• 瑞波幣和區塊鏈
• 保險科技、穿戴式裝置和健康科技
• 小額支付
• 人工智慧、機器學習和自然語言處理
• 機器人流程自動化 (RPA) 
• API（金融與科技公司之間）
• 千禧世代的消費銀行，例如高盛 (Goldman Sach) 的 Marcus 和大通 (Chase) 的 FINN

8. 費用壓縮和數位化顛覆

金融科技公司正在取消過去的收費模式。這種創新尤其在歐洲發生，參與者包括 Revolut 和 N26。  以前，人們幾乎從不更改銀行帳戶。平均每 17 年更換一次。通常是離婚、結婚或搬家。金融科技正在改變這一點。

9. 熱門金融科技市場研究方法

• 卡諾模型
• 核動力源
• 客戶努力得分 (CES)
• A/B 分割測試

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國際研究, we provide the insights, data, and strategies you need to stay ahead of the FinTech curve. 

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