Fintech Forward Newsletter - Issue 10

In our final newsletter of the year, we examine the key trends driving fintech growth in 2024 and consider how they will evolve over the coming year. Significant developments include the expansion of Banking-as-a-Service, BNPL, and embedded finance, opening up finance and financing options for customers and businesses alike. Of course, AI dominates the landscape, with Gartner revealing that 2025 will be the year that sees agentic AI become more prominent, with practical use cases delivering value across industries.  

While ample opportunity exists to capitalise on these emerging trends, the fintech ecosystem has also had to confront something of a reset, as investments and valuations are adjusted in the face of increased investor scrutiny and regulatory requirements. The days of runaway fintech valuations might be over, but this is perhaps an inevitable and necessary terminus for the fintech ‘hype train’. With incumbents and major fintech challengers now playing a more collaborative role in the industry—as we see with NatWest Group's FinTech Growth Programme and a GoCardless webinar introducing fintech to small businesses—2024’s gift to 2025 seems to be a more stable fintech landscape.  

Before we go, we wish all of our subscribers a Merry Christmas, Happy Holidays, and a very Happy New Year!