Report
Mambu Partner Predictions 2025
Together, with our partners, we explore the biggest fintech trends that are on the way in 2025.
The global financial landscape never stands still. In this year's Mambu partner predictions report, thought leaders and decision-makers from across the financial services and fintech community shine a light on the fintech trends that will influence the future.
Key experts explore the big changes that are on the horizon for the industry and provide valuable takeaways to ensure that 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 to watch out for in 2025
Regulation: The time to act is now
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.
Embedded finance: Eliminating friction for customers
A world where financial services are invisibly woven into everyday experiences is fast approaching.
Embedded finance will eliminate friction for customers and create endless opportunities for innovation. Through automating payments, offering real-time credit options and revolutionising supply chains, embedded finance will put control firmly back in the hands of non-financial players.
Alternative lending: Expanding access and driving innovation in lending
Business lenders are under increased pressure to offer services that attract borrowers.
Economic turbulence and fintech growth have increased demand and service expectations beyond traditional models, prompting lenders to explore new technologies and partnerships to stay competitive.
Open finance: The backbone of the digital economy
Transforming numerous industries including the retail sector, airlines, and the many supply chains that deliver financial services.
The success of credit unions such as Sicredi and Unicred in Brazil has shown how open finance can be leveraged to bring new services to market while going beyond regulatory compliance to unlock growth opportunities.
Increased AI adoption: Reshaping financial services
Harnessing the power of Artificial intelligence (AI) is rapidly enhancing customer experiences.
The sizeable global adoption of AI across financial services is boosting the efficiency and security of transactions for customers, with sophisticated AI algorithms capable of analysing large amounts of data in real-time to identify valuable patterns and anomalies — aiding fraud detection and heightening customer satisfaction.
GenAI-powered virtual assistants: leveraging financial transaction data
Neo-banks are increasingly embracing the crucial customer service role that GenAI can now play
As GenAI’s momentum continues to grow and evolve, will 2025 be the year that traditional banks more confidently rely on the technology to enhance day-to-day operations, in the process directly exposing customers to these engines without any protective human layer?
Real-time payments & blockchain
Tokenisation: an ecosystem for more secure payment options
Click to Pay, aligned with the convenience of in-store experiences, will reinforce the future of digital payments. With Click to Pay now established as a secure checkout option for online and in-app transactions, tokenisation looks set to replace sensitive payment data like card numbers with unique, non-sensitive tokens, impacting the future of secure digital transactions.
