Fintech trends for 2025: Future of the industry

• The global fintech market is set to grow by 16.8% to reach approximately $917.17 billion by 2032.

The coming year 2025 promises to be a year of transformation for the fintech industry. The Tranzzo team has gathered for you the key trends that will drive the global market in the coming years.
First of all, we would like to emphasize the main risk that awaits not only the fintech market but also the global business sector. Cybercrime continues to evolve, as does the anti-fraud system. According to Cybersecurity Ventures, global spending on cybercrime will reach $10.5 trillion in 2025. Companies are ready to spend any money on fraud protection.

Artificial intelligence has long been a key tool both in the hands of fraudsters and in the fight against them. Attackers increasingly use generative AI to create deepfakes and personalized phishing attacks.

However, this year, financial companies are likely to continue actively implementing AI models for real-time transaction analysis. 

Such automated solutions will significantly increase the level of protection by identifying suspicious transactions and stopping them before the funds leave the customer's account. 

Tranzzo — the safest system for your business

The Tranzzo technical team is constantly improving the anti-fraud system to ensure the highest level of protection for you and your customers. 

✅ PCI DSS Level 1 certification 

The highest standard of data protection in the online payment industry. Every year, we confirm our certification and enter the VISA register as a reliable partner.

✅ Support for HTTPS protocol

The HTTPS protocol protects the Tranzzo payment page, which guarantees reliable data encryption and secure transmission without interference from third parties.

✅ GDPR Compliance

The General Data Protection Regulation (GDPR) is the European standard on which we base all of Tranzzo's work on collecting, processing, storing, or transferring any customer data.

✅ Implementation of PSD2 standards

The Tranzzo service complies with the PSD2 payment directive, which defines the operation of online payments in the EU. Therefore, you can safely accept payments from European customers.

• Integration of Blockchain technology can minimize costs by 30% and save more than $10 billion a year.

Blockchain continues to confirm its status as one of the key technologies. However, in 2025, this trend is expected to impact the B2B payments and commerce ecosystem. 

With the growing trust in digital assets such as cryptocurrencies, stablecoins, and tokenized assets, blockchain has played an essential role in speeding up transactions, improving their security, and reducing costs. This year, the technology promises to significantly optimize B2B processes by eliminating intermediaries and reducing the time to complete international payments.

Automation of payment processes is one of the main focuses of modern business. The less time spent on payments, the more satisfied customers are. That is why tokenization will continue to expand.

However, the most interesting thing about the further development of tokenization technology is its expansion into other industries beyond card payments. 

It expands the ability to manage and exchange any kind of data, such as identity cards, medical data, etc. Tokenization empowers users by giving them control over what data is shared, with whom, and for how long. 

Tranzzo offers our customers more innovative tokenization technology from Visa and Mastercard international payment systems — VTS and MDES. Our clients can use ‘eternal tokens,’ which is especially beneficial for businesses with a recurring payment model.

Tap on Phone turns any device into a payment terminal. This technology is gaining momentum by replacing complex cash register infrastructure. 

It significantly reduces waiting times. As the physical and digital experience continues to converge, we will see more applications of Tap on Phone in various areas of commerce, from verifying a transaction to instantly adding a card to a mobile wallet or even sending money to friends and family.

2025 is expected to be a pivotal year for the fintech industry, fuelling the digital transformation of business and commerce. Innovations such as blockchain, artificial intelligence, tokenization, and contactless technologies will increase financial transactions' efficiency, security, and convenience. 

These technologies will help optimize processes in the B2B sector, reducing costs and improving customer experience.