2025 fintech opportunities

As fintech solutions mature in 2025, key categories—Fintech Lending and BNPL, Fintech Payment Solutions, and Investment Platforms—are presented with timely opportunities. The ability to embed finance, optimize payments for revenue and cost-saving, manage FX, and combat fraud will define success in the coming year.

This article breaks down 2025's biggest financial trends and how they impact your playing field, ensuring you stay ahead of the competition.

Key 2025 trends and their impact on fintech

1. Embedded finance: The engine of growth for fintech

Embedded finance is reshaping financial services, with platforms integrating wallets, lending, and payment solutions directly into their ecosystems. The market is projected to grow at a CAGR of 23.3%, reaching $588 billion by 2030.

How your platform can leverage it:

• Fintech Lending & BNPL: Offer wallet-based financing.
• Fintech Payment Solutions: Provide merchant-branded wallets.
• Investment Platforms: Enable in-app investment accounts.

2. B2B cross-border payments and FX optimization: unlocking global expansion

The global cross-border payments market is expected to exceed $250 trillion by 2027, requiring platforms to provide cost-effective, multi-currency solutions.

How your platform can leverage it:

• Fintech Lending & BNPL: Expand international BNPL.
• Fintech Payment Solutions: Reduce FX costs for global merchants.
• Investment Platforms: Offer multi-currency investment accounts.

3. Customizable and vendor-agnostic payments: maximizing flexibility

Alternative payment methods (APMs) are expected to account for 70% of online transactions by 2026. Localized and flexible payment options will be essential.

How your platform can leverage it:

• Fintech Lending & BNPL: Offer local BNPL solutions.
• Fintech Payment Solutions: Support your customers’ preferred payment methods.
• Investment Platforms: Enable seamless deposits and withdrawals.

4. AI-Driven fraud prevention: The critical differentiator

Financial fraud is growing at a rate of 25% annually, with fraud-related losses expected to surpass $40 billion in 2025. AI-powered fraud detection is essential to reducing risk while minimizing false declines.

How your platform can leverage it:

• Fintech Lending & BNPL: Detect synthetic identity fraud.
• Fintech Payment Solutions: Reduce chargebacks and unauthorized transactions.
• Investment Platforms: Prevent account takeovers and fraudulent asset transfers.
  
  

Seize 2025’s opportunities with Mangopay

The financial platforms that adapt to 2025’s key trends—embedded finance, FX optimization, flexible payments, and AI fraud prevention—will lead the market.

How Mangopay Empowers Your Platform:

• Fintech Lending & BNPL: Boost revenue with embedded wallets and AI-powered risk assessments.
• Fintech Payment Solutions: Scale globally with cost-effective multi-currency transactions and fraud prevention.
• Investment Platforms: Optimize portfolio management with seamless deposits, withdrawals, and multi-currency support.

Ready to future-proof your platform?
Get in touch with Mangopay to explore how we can help you scale in 2025 and beyond.