The global fintech industry is evolving with established scaled fintechs becoming dominant players, while new technologies like AI and emerging business models present opportunities for growth. As fintechs face increased competition and regulatory scrutiny, sustainable growth will be crucial for success, particularly in areas like lending and payments where traditional banks have fallen short. The report highlights key trends shaping the future of fintech, including the rise of challenger banks and the potential of onchain finance.

The Global Fintech Report highlights the maturation of scaled fintechs, driven by improved profitability, new technologies like AI, and an evolving competitive landscape. It outlines key trends shaping the industry's future, including advancements in agentic AI, onchain finance, and the expansion of challenger banks, while urging stakeholders to focus on innovation and regulatory clarity to sustain growth.