Report
Mambu Predictions 2025
The global financial landscape never stands still.
In our annual Mambu Predictions report, thought leaders and decision-makers from across the financial services and fintech community considered the fintech trends that are influencing the future of finance. Together with our partners, we explored the biggest trends that impacted fintech in 2025.
Interested in what's expected for the year ahead? Check out our recently released Mambu Predictions 2026.
In 2025, key experts explored the big changes that are on the horizon for the industry and shared valuable takeaways to ensure your business doesn't fall behind the competition.
With innovative insights provided by some of the most respected names in big tech and financial services, including Microsoft, Backbase, Sensedia, Paymentology and more, this is your essential guide to both understanding the financial landscape of today and exploring how future-focused lenders and firms can meet the demands of tomorrow.
From the increased adoption of AI to growing demand for embedded finance and the rise of tokenised transactions, these are the biggest trends that fintech experienced in 2025
Regulation
Balancing innovation with robust governance framework
Financial institutions must adopt robust governance to protect customers. To prioritise compliance in 2025 and beyond, they must also leverage platforms aligned with compliance goals. The time to act is now.
Embedded finance
Financial services woven into everyday experiences
Embedded finance will eliminate friction and create endless opportunities for innovation. Automated payments, real-time credit options, revolutionised supply chains, and more will put control in the hands of non-financial players.
Alternative lending
Lenders are under increased pressure to attract borrowers
Economic turbulence and fintech growth have increased expectations beyond traditional models, prompting lenders to explore new technologies to stay competitive by expanding access and driving innovation in lending.
Open finance
Transforming industries that deliver financial services
The success of credit unions such as Sicredi and Unicred in Brazil has shown how open finance can bring new services to market while going beyond regulatory compliance to unlock growth opportunities.
AI adoption
Harness the power of AI to enhance customer experiences.
AI in financial services is boosting efficiency and security of transactions, with algorithms capable of analysing data to identify patterns and anomalies — aiding fraud detection and heightening customer satisfaction.
GenAI-powered virtual assistants
Embracing the crucial customer service role of GenAI
As momentum grows and evolves, will this be the year that traditional banks more confidently rely on GenAI to enhance day-to-day operations, while exposing customers to these engines without a protective human layer?
Real-time payments & blockchain
An ecosystem for more secure payment options
With Click to Pay established as a secure option for online and in-app transactions, tokenisation is set to replace sensitive payment data with unique, non-sensitive tokens, impacting the future of digital transactions.
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