The future of finance in 2025: SPEEDNET’s vision unveiled

Fintech and banking are evolving rapidly, driven by technological advancements, sustainability efforts, and regulatory changes. As a trusted IT partner for financial institutions, SPEEDNET continuously analyzes market trends and has identified eight key developments set to shape the industry in 2025. 

AI Governance With AI playing an increasingly critical role in banking, financial institutions are shifting their focus toward AI governance. Establishing robust frameworks to oversee AI-driven decisions, mitigate biases, and ensure compliance with evolving regulations has become essential. 

Regulatory development & security Rules are getting stricter to keep fintech safe. Laws like PSD3 or DORA will watch over banks and tech. Security will improve with tools like face scans or blockchain to stop fake IDs, so your money and details stay secure from hackers or scams. 

System modernisation Legacy bank systems can’t keep up anymore. Banks will switch to new cloud tech that works fast and handles lots of data. This means quicker services—like checking your balance or paying bills—anytime, anywhere, without delays or problems. 

Sustainable and green fintech The main focus for banks today is their financed emissions. However, we see banks slowly moving towards eco-friendly products, like carbon tracking, green loans, and sustainable online wallets, helping the planet and customers. 

Central Bank Digital Currencies (CBDCs) Countries such as China and members of the European Union are actively exploring the potential of CBDCs. These digital coins use blockchain for fast, cheap payments, even across borders. People in far-off places can use phones to pay or save, joining banking without needing a branch nearby. 

Open Banking Once underestimated, open banking is now gaining momentum. The regulatory scope seemed limited at first, and the technological shift posed challenges. However, banks now see it as a way to expand services, collaborate with fintechs, and offer more personalized customer experiences. 

Super Apps Super apps, like WeChat, will mix banking, payments, and shopping into one easy tool. Imagine paying a bill, buying food, or saving cash without leaving your banking app. This saves time and makes handling money simpler for everyone, everywhere. 

Banking as a Service (BaaS) BaaS lets non-banks — like online shops or apps — offer banking services, like loans or wallets. You could borrow money while shopping or save through an app you already use. It brings banking closer, making it part of your everyday life. 

Why trust SPEEDNET’s predictions? 

SPEEDNET isn’t just guessing — it knows fintech well. As a special IT partner for banks and fintechs, it speeds up tech changes, cutting setup time by up to 18%. Big names like mBank, FICO, and Santander rely on it. Insights gained from industry projects provide a solid foundation for understanding key trends shaping 2025.