Victor Yaromin’s Post

Global fintech investment dropped by 20% in 2024, declining from $54.2 billion in 2023 to $43.5 billion. This marks the third consecutive year of decline since the $136.5 billion peak in 2021. Despite the downturn, the industry has demonstrated remarkable resilience, with major achievements such as Nigeria’s Moniepoint and South Africa’s TymeBank achieving unicorn status, and Bitcoin hitting a record $100,000. With global investments shifting and new trends emerging, 2025 is set to redefine how we interact with money. From AI-powered personalization to embedded finance and the rise of fintech hyperscalers, this video breaks down the key developments shaping the industry and what they mean for entrepreneurs, investors, and curious minds alike. Key highlights include: 🌐AI & Automation: From fraud detection to hyper-personalized banking. 🏦 Embedded Finance: Seamless banking and lending in everyday platforms. 🌱 Green Fintech: ESG analytics and blockchain for sustainable finance. 📈 Fintech Hyperscalers: Companies like Nubank and M-Pesa redefining global finance. 🔗 DeFi & Open Banking: Bridging decentralized systems and traditional finance. #Fintech2025 #ai #Blockchain #EmbeddedFinance #GreenFintech #DigitalTransformation" https://lnkd.in/e5EnWxRu

2025 State of Product Analytics in Fintech Official Link: https://lnkd.in/gUhMtJCd The report from Mixpanel, and it’s full of valuable insights into the fintech landscape. The report highlights crucial trends in acquisition, engagement, and retention across various sectors, including wealth management, banking, and crypto. Key Takeaways: - Wealth management dominance: This sector shows impressive user retention, benefiting from #personalized services and robo-advisors. - #Blockchain & #Crypto Growth: Significant increases in user acquisition, driven by #DeFi applications and expanding #NFT use cases. - Mobile-first culture: Regions like #APAC and #LATAM are leading the charge in mobile #banking, emphasizing the need for optimized mobile experiences. - Retention challenges: While some sectors like #insurance face low initial retention rates, innovative models like on-demand insurance are emerging. The report is a must-have for anyone in the fintech space looking to understand how to enhance customer experience and drive growth. #fintech #productanalytics #customerengagement #Mixpanel #datadrivenInsights

Join us in welcoming the dynamic Keval Bhanushali (MLE℠) as our stellar speaker for the highly anticipated '𝗜𝗻𝗱𝗶𝗮 𝗙𝗶𝗻𝘁𝗲𝗰𝗵 𝗦𝘂𝗺𝗺𝗶𝘁 & 𝗔𝘄𝗮𝗿𝗱𝘀 𝟮𝟬𝟮𝟰.' 📅Date: 𝗪𝗲𝗱𝗻𝗲𝘀𝗱𝗮𝘆, 𝟮𝟯𝗿𝗱 𝗢𝗰𝘁𝗼𝗯𝗲𝗿, 𝟮𝟬𝟮𝟰 📍Venue: 𝗧𝗵𝗲 𝗪𝗲𝘀𝘁𝗶𝗻 𝗠𝘂𝗺𝗯𝗮𝗶 𝗣𝗼𝘄𝗮𝗶 𝗟𝗮𝗸𝗲 Be a part of the conversation as Keval takes the stage to share his profound insights on "𝗥𝗲𝗮𝗹𝗶𝘁𝘆 𝗖𝗵𝗲𝗰𝗸: 𝗠𝗲𝗮𝘀𝘂𝗿𝗶𝗻𝗴 𝗥𝗢𝗜 𝗶𝗻 𝗙𝗶𝗻𝗧𝗲𝗰𝗵 𝗶𝗻𝘃𝗲𝘀𝘁𝗺𝗲𝗻𝘁𝘀" revealing how FinTech has shifted toward sustainable and profitable growth. In this insightful session, you'll uncover the key to building customer-focused products that deliver strong returns, along with practical strategies for maximizing investment success in today’s dynamic financial landscape. 🏛️𝗪𝗵𝗲𝘁𝗵𝗲𝗿 𝘆𝗼𝘂'𝗿𝗲 𝗮𝗻 𝗲𝘀𝘁𝗮𝗯𝗹𝗶𝘀𝗵𝗲𝗱 𝗽𝗹𝗮𝘆𝗲𝗿 𝗼𝗿 𝗮 𝗿𝗶𝘀𝗶𝗻𝗴 𝘀𝘁𝗮𝗿 𝗶𝗻 𝘁𝗵𝗲 𝗳𝗶𝗻𝘁𝗲𝗰𝗵 𝗮𝗿𝗲𝗻𝗮, 𝘁𝗵𝗶𝘀 𝘀𝘂𝗺𝗺𝗶𝘁 𝗶𝘀 𝘆𝗼𝘂𝗿 𝗰𝗵𝗮𝗻𝗰𝗲 𝘁𝗼 𝘀𝘁𝗮𝘆 𝗮𝗵𝗲𝗮𝗱 𝗼𝗳 𝘁𝗵𝗲 𝗰𝘂𝗿𝘃𝗲 𝗮𝗻𝗱 𝘀𝗵𝗮𝗽𝗲 𝘁𝗵𝗲 𝗳𝘂𝘁𝘂𝗿𝗲 𝗼𝗳 𝗳𝗶𝗻𝘁𝗲𝗰𝗵. 👨🏽💻Get ready to explore the exciting frontier of FinTech! 🌐Register Now - https://lnkd.in/d8e528A6 For Queries, 📞Contact us - +91 8080160000 or ✉️ Mail us at linda@ubsforums.com / mary@ubsforums.com #UBSFFintech #banking #digitaltransformation #finance #Blockchain #AI #FintechSummit2024 #API #FinancialInnovation #OpenBanking #ML #CX #DataDriven #FinanceTrends #product #FinancialTech #UBSForums

𝐅𝐮𝐭𝐮𝐫𝐞 𝐨𝐟 𝐅𝐢𝐧𝐭𝐞𝐜𝐡: 𝐋𝐢𝐜𝐞𝐧𝐬𝐞𝐬 𝐋𝐨𝐜𝐤𝐞𝐝 (𝟏𝟎 𝐋𝐢𝐜𝐞𝐧𝐜𝐞 𝐖𝐢𝐧𝐬) 📜 🔓 The future of fintech is being shaped by a surge of regulatory approvals across the globe. From Wise in Brazil to PayGlocal and Tamara in India and Saudi Arabia, these latest license wins are unlocking new avenues for fintech innovation. What does it mean for the industry? 🗺️ Global Expansion: New licenses are driving financial inclusivity and cross-border opportunities. 🪙 Crypto’s Legitimacy: Approvals for Crypto.com, Bybit, and OKX show regulators embracing virtual assets. 📈 Embedded Finance Growth: From BNPL to alternative investment platforms, fintech is diving deeper into consumer and business finance. ______________ 🤿 Want to dive deeper into these trends and uncover more insights? Check out our latest infographic and gain access to exclusive analysis. Subscribe to our newsletter for weekly updates, and unlock in-depth reports and strategic playbooks with our membership plans here 👉: https://lnkd.in/gdWDMZES #fintech #license #regulation #digitalpayments #embeddedfinance #crypto

Now that we’re in 2025, the landscape of commercial lending is shifting fast. As brokers, it’s crucial to stay on top of these 3 key trends that will shape the year ahead: 1️⃣ Higher SBA Lending Caps The SBA is potentially raising its lending cap, unlocking more opportunities for brokers to secure larger loans and bigger deals for their clients. This change could significantly impact your bottom line—are you ready to capitalize?  2️⃣ A Stronger Focus on ESG (Environmental, Social, and Governance) Criteria With sustainability becoming a top priority for investors, lenders are increasingly factoring ESG criteria into their decision-making process. Brokers who understand and incorporate ESG will have a clear advantage in securing funding for clients in 2025. 🌍 3️⃣ The Rise of Tech-Driven Lending Platforms AI, blockchain, and fintech innovations are continuing to reshape the lending process. Leveraging these technologies will not only make deals faster but also more efficient. Brokers who embrace these tools will close more deals and save time in the process.  👉 How are you preparing for these shifts in commercial lending this year? How can you leverage these trends to close more deals and grow your business in 2025?! Let's talk about it!  🔗 Click the link here to sign-up for our Business Broker Newsletter for trending news, tips and more https://lnkd.in/gCzHiuui

Now that we’re in 2025, the landscape of commercial lending is shifting fast. As brokers, it’s crucial to stay on top of these 3 key trends that will shape the year ahead: 1️⃣ Higher SBA Lending Caps The SBA is potentially raising its lending cap, unlocking more opportunities for brokers to secure larger loans and bigger deals for their clients. This change could significantly impact your bottom line—are you ready to capitalize?  2️⃣ A Stronger Focus on ESG (Environmental, Social, and Governance) Criteria With sustainability becoming a top priority for investors, lenders are increasingly factoring ESG criteria into their decision-making process. Brokers who understand and incorporate ESG will have a clear advantage in securing funding for clients in 2025. 🌍 3️⃣ The Rise of Tech-Driven Lending Platforms AI, blockchain, and fintech innovations are continuing to reshape the lending process. Leveraging these technologies will not only make deals faster but also more efficient. Brokers who embrace these tools will close more deals and save time in the process.  👉 How are you preparing for these shifts in commercial lending this year? How can you leverage these trends to close more deals and grow your business in 2025?! Let's talk about it!  🔗 Click the link here to sign-up for our Business Broker Newsletter for trending news, tips and more https://lnkd.in/epKM3bTN

Exploring the Cross-Border Payment & Treasury FX Platform Landscape Today’s landscape for cross-border payments and Treasury FX solutions is dynamic, with options ranging from traditional banks to blockchain-based systems. 1️⃣ Traditional Banks Strengths: Known for security, compliance, and strong networks, ideal for large enterprises. Challenges: Legacy systems limit real-time capabilities, making them slower and more costly. 2️⃣ Fintech Companies Strengths: Low-cost, fast payments with mobile-friendly platforms, popular among SMEs. Challenges: Limited in-depth services and compliance expertise for complex treasury needs. 3️⃣ TMS & ERP-Integrated Platforms Strengths: Advanced cash and risk management for complex treasury operations. Challenges: High costs and need for technical support can limit agility. 4️⃣ Global Payment Networks Strengths: Secure, compliant, with global reach and interoperability. Challenges: Regional cost variations and emerging blockchain competitors. 5️⃣ Blockchain Solutions Strengths: Decentralized, low-cost, real-time payments with strong transparency. Challenges: Regulatory hurdles and corporate caution on volatility. 6️⃣ Digital Wallets Strengths: User-friendly for SMEs and consumers, integrating with e-commerce. Challenges: Limited in treasury management tools, better suited for simpler needs. Key Trends: Real-time tracking, transparency, compliance focus, and rising blockchain adoption. #CrossBorderPayments #TreasuryManagement #Fintech #Blockchain #DigitalWallets #TreasurySolutions #FX #BankingInnovation #GlobalPayments #FinanceTransformation

Increased Regulation and Embedded Finance Predicted as the Top Fintech Trends for 2025 ...: Trulioo Transactions Surge 34% for Global Marketplaces, 21% for Payments Enterprises in 2024 · Fintech Predictions 2025: What Do Money20/20's Experts ...

💼📈 The Growing Changes in the Finance Sector: A Path to a Better Future 📈💼 The finance sector is evolving rapidly, driven by advancements in technology, shifting consumer expectations, and the rise of fintech. But what’s most exciting? These changes are creating opportunities for a better, more inclusive financial landscape. Here are a few ways the financial world is changing for the better: 1️⃣ Digital banking – More convenient, accessible, and efficient than ever before, allowing everyone to manage their finances from anywhere. 🏦💻 2️⃣ Fintech innovation – From peer-to-peer lending to robo-advisors, fintech is simplifying investing, saving, and borrowing for everyday people. 🤖💰 3️⃣ Blockchain and cryptocurrencies – Decentralizing financial systems, promoting transparency, and paving the way for new opportunities in decentralized finance (DeFi). 🔗💡 4️⃣ AI and automation – Improving risk management, fraud detection, and personalized financial services, making the industry safer and smarter. 🛡️📊 5️⃣ Sustainable finance – More focus on green investments and ESG (Environmental, Social, Governance) principles, aligning finance with global sustainability goals. 🌱💼 Change can be challenging, but it also opens the door for growth, innovation, and a more equitable future. How do you see these changes impacting your personal or professional life? Let’s discuss how we can harness these trends for the better! 💬 #FinanceTrends #Fintech #DigitalBanking #Blockchain #Crypto #FinancialInnovation #SustainableFinance #AIInFinance #DeFi #FutureOfFinance #FinanceForGood #InvestingInTheFuture #FinanceCommunity #InclusiveFinance #FinancialTechnology

As the financial landscape evolves, India is witnessing a remarkable transformation driven by innovative fintech solutions. Here are some unique trends reshaping how we think about finance and investment Let us see these trends. These trends are not just reshaping the financial services industry; they are also empowering consumers and promoting financial inclusion. As we navigate this dynamic landscape, it's essential to stay informed about these developments and their potential impact on our financial decisions. #FintechTrends #DigitalFinanceIndia #InnovationInFinance #RoboAdvisors #Insurtech #DecentralizedFinance #CryptocurrencyIndia #BNPL #FinancialInclusion Parth Verma