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Fintech is transforming banking by improving access for underbanked and unbanked populations, offering affordable digital services where traditional banks fall short. This primary driver of the latest trends in financial services is closing gaps in financial inclusion and revitalizing legacy systems.
In 2021, 13% of Americans lacked full banking access, with 5% having no services at all. Fintech has changed this landscape over the last 4 years by reducing costs and providing digital options like direct deposits, making banking more accessible and affordable.
To stay relevant, banks must rethink their strategies and embrace the growing trend of embedding financial services into products and apps. By doing so, they can not only enhance customer engagement but also tap into new revenue opportunities and maintain their relevance in an increasingly interconnected digital ecosystem.
So, how is fintech reshaping the future of banking by driving both financial inclusion and business growth?
Find out in these latest developments.
By integrating mobile payments, lending, and investment tools directly into their platforms, businesses can unlock fresh revenue streams, strengthen customer loyalty, and stay ahead of the competition.
Let’s take a look at the financial services trends reshaping the banking technology landscape in 2025.
The steady decline in cash usage, coupled with the rollout of central bank digital currencies (CBDCs), has led to the recent digital trends in financial services. Digital currencies are rapidly gaining traction across B2C, B2B, and C2C segments, further fueling the shift toward cashless transactions.
Digital-only banks, or neobanks, are ruling this change as technology modernization makes the banking services more convenient and efficient. These changes make the entire banking sector more popular and accessible than ever.
Operating entirely online, they offer:
You’ve heard of SaaS, but it’s time to discover the next big thing in fintech: BaaS or Banking-as-a-Service.
In 2025, embedded finance is one of the global financial trends that is set to redefine the financial landscape. It will do so by integrating essential financial services like payments, lending, and insurance directly into non-financial platforms.
Banking-as-a-Service (BaaS) is the catalyst behind this shift, enabling banks to extend their services to third-party businesses.
With BaaS, e-commerce platforms can offer:
As customer expectations evolve, personalized banking is emerging as a critical differentiator.
By the end of this year, advanced data analytics and AI will empower banks to deliver tailored financial services, such as customized savings plans and investment advice. These automated customer solutions will create a more seamless and efficient banking experience.
By the end of this year, advanced data analytics and AI will empower banks to deliver tailored financial services, such as customized savings plans and investment advice.
This shift aligns with the booming personal finance app market, which is projected to grow from $1.02 billion in 2021 to $12.58 billion by 2034.
Leveraging user data, banks can offer:
BNPL is gaining momentum as one of the top trends in financial services industry, with 29% of consumers using it in the past year and millennials leading the way. As demand grows across age groups, BNPL transaction volumes are projected to hit $680 billion globally by 2025.
With 80% of BNPL users starting their shopping journey on provider platforms, banks, and fintech companies have a prime opportunity to integrate BNPL services to offer:
However, evolving regulations in the EU and the US mean fintechs must stay ahead of compliance requirements to capitalize on this market.
The payment landscape is set to transform further in 2025 as consumers demand faster, smarter, and more seamless payment options.
Real-time payments (RTP), enabling 24/7 money transfers, are becoming the standard. Innovations like blockchain for cross-border payments and biometric-enabled transactions are redefining convenience and security.
Valued at $17.57 billion in 2022, the RTP market is projected to grow 35.5% annually through 2030, primarily owing to the following beneficial outcomes:
As sustainability continues to rise as one of the trends in financial services, the spotlight on Environmental, Social, and Governance (ESG) factors intensifies.
In 2025, banks will be under increasing pressure to showcase stronger ESG initiatives, ranging from sustainable financing and green bonds to responsible lending practices.
With consumers eager to invest in alignment with their values, banks that embrace sustainability will gain a competitive edge in the following ways:
Online data security isn’t just one of the recent trends in financial markets; it’s an indispensable necessity.
As reliance on digital banking continues to grow, so does the innovation in cyber threats.
Every day, customers find themselves stuck in newer and more creative data scamming traps. This makes protecting sensitive information and securing customer transactions a non-negotiable for banks in 2025.
To stay ahead, financial institutions must ramp up investments in cutting-edge cybersecurity solutions, such as:
At the same time, stringent privacy regulations like GDPR and CCPA require banks to enhance data protection and maintain transparency.
Failing to meet privacy standards or experiencing a breach can damage a bank’s reputation and customer trust, making cybersecurity investments more critical than ever.
Another one of the notable trends in financial services is blockchain. It is leading the way by promoting a decentralized, secure ledger system, streamlining identity verification, and reducing fraud risks.
Key use cases include:
With countries like Nigeria and the Bahamas implementing CBDCs and others exploring them, blockchain is set to further reshape global financial systems.
Statista reveals that the banking sector led AI investments in 2023, dedicating $20.6 billion to transform its operations. This figure is projected to soar to $84.99 billion by 2030.
Generative AI (GenAI) has the potential to add tremendous annual value to this. It achieves this primarily by automating tasks like data entry, report generation, and compliance checks, thereby enhancing operational efficiency.
Here are some ways in which GenAI can benefit the banking and finance industry:
The regulatory landscape for banks is set to transform in 2025, driven by an intensified focus on data privacy, cybersecurity, and sustainability.
As a result, financial institutions can achieve the following outcomes:
The fintech industry is at a pivotal juncture where innovation and adaptability are reshaping how financial services are delivered.
However, getting on with evolving trends in financial services isn't just about competing with traditional banks - it's about transforming finance to serve everyone better.
Through responsible innovation, fintech is paving the way for a more inclusive, efficient, and customer-centric financial ecosystem.
Businesses looking to lead this transformation can leverage Sundew’s expertise in technology-driven solutions to reimagine their services. With our strategic partnership, organizations can harness innovation to build trust, unlock growth, and deliver financial services that drive prosperity for individuals and communities alike.
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General terms & conditions for the provisions of services from Sundew Solutions Private Limited
Sundew Solutions Private Limited, hereinafter referred to as Sundew Solutions, under the brand Sun Dew Solutions Private Limited provides all deliveries and services to its contractual partners exclusively on the basis of these General Terms and Conditions (GTC).
A contract comes off only by order of the customer by means of online order and the delivered by Sun Dew Solutions invoice and its acceptance by the customer.
3.1 - All individual prices and the subtotal are exclusive of statutory GST as applicable for Indian Business Entities. For service provision within India, an additional GST Rate of 18% is applied.
3.2 - Services marked as optional are not automatically part of the order. These must be explicitly commissioned additionally. Optional positions are marked as such.
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3.5 - For services for which a project contract for customized solutions is concluded, the agreed scope of services and expenses shall be calculated in such a way that it is required for the achievement of the objectives. If the offered value is significantly exceeded, the resulting budget requirements may change during the course of the project in the corresponding ratio. These are recorded as amendments and released by the customer.
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4.1 - The terms of payment are basically as follows:
• Standard packages according to online offer: advance payment to our bank account or online payment via PayPal
• Customer project: 1/3 when placing the order, 2/3 after completed installation on the customer server
4.2 - The specified delivery time begins after receipt of payment and kickoff meeting with the customer. From this, time is expected in full working days. The default work week is Monday through Friday.
4.3 - The final delivery time depends on the customer acceptance (UAT) and can thus exceed the specified delivery time.
4.4 - Delivery and performance delays due to force majeure and events that make it difficult or impossible to perform the service substantially, such. For example, strikes, lockouts and official orders are not the responsibility of Sundew Solutions. Unless otherwise provided by law, Sundew Solutions is not liable for damages in this case.
4.5 - Invoice amounts can be transferred either via electronic payment portal PayPal or through Bank Wire Transfer as shared by the Accounts and Finance Department of Sundew Solutions Private Limited during the course of Project Sign Up.
4.6 - Our offers are aimed primarily at business customers. All prices are net prices plus GST at the rate of 18% for service that is provided within India.
4.7 - If invoicing takes place by invoice, the payment must be received within 10 days from the invoice date and according to the payment plan. For the standard packages, see article 4.1. directed.
4.8 - Contract and invoice currency is Indian Rupees for all Business and Individual customers in India and will be in USD, GBP, AED, EURO etc. for Invoices raised to Business entities outside India.
4.9 - The delivery is deemed to have been delivered with the customer's consent, but no later than 14 days after the delivery of the final report to the customer, and thus as a service rendered. If the customer has complaints after this period, Sun Dew Solutions is not obliged to implement them. In this case, the payment of the outstanding amount is obligatory and must be settled by the customer immediately. Not affected by this are services under warranty & support.
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6.2 - If the client cancels the order before completion for reasons beyond the control of the contractor, the contractor shall be entitled to charge the costs incurred until then on the basis of the above hourly rate; the percentage of progress or documented effort (hours worked) is calculated as the basis for the effort estimate.
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7.2 - If the delivered services are defective at the time of delivery, Sundew Solutions will provide for the removal of the defect. In case of failure of the repair or replacement, the customer may demand the reduction of the remuneration or the withdrawal from the contract.
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8.2 - The web sized products may be used by Sundew Solutions as reference works for promotional purposes, unless the customer expressly disagrees on this point. The products are presented for illustrative purposes only.
The customer receives for all delivered and approved solutions (websites, apps, etc.) an unrestricted grant of rights of use.
It applies to the general terms and conditions and the entire legal relationship between the customer and Sun Dew Solutions. Jurisdiction is, unless otherwise agreed, Kolkata, West Bengal.
Changes or additions to these GTCs are only valid if they have been agreed in writing. This also applies to a change of this written form clause.
Adventz Infinity
Module 702, 7th Floor,
BN Block, Sector V,
Bidhannagar,
Kolkata: 700091, West Bengal, India.
Adventz Infinity
Module 705, 7th Floor,
BN Block, Sector V,
Bidhannagar,
Kolkata: 700091, West Bengal, India.
200 Broadhollow Road,
Suite 207,
Melville, NY 11747.