Fintech Trends for Second Half of 2024

The latest trends in fintech for the second half of 2024 include: 1. **Central Bank Digital Currencies (CBDC) and Regulated Stablecoins**: There is a larger focus on these areas as they continue to gain traction [1]. 2. **AI-Powered Fintech Offerings**: Growing investor focus on AI-powered fintech solutions, including emerging areas like behavioral intelligence [1]. 3. **Middle and Front Office Solutions**: Increasing interest in solutions related to investment management [1]. 4. **Non-Traditional Fintech Markets**: Investors are paying more attention to less traditional fintech markets, such as Africa and parts of Southeast Asia, including Indonesia and the Philippines [1]. 5. **ESG Fintech**: Continued attention on ESG fintech, particularly in areas like carbon measurement and tracking [1]. 6. **Wealthtech**: Gaining more attention, especially from big banks and investors looking to fill gaps [1]. 7. **AI in Operational Efficiencies**: Large financial institutions and fintechs are leveraging AI to drive operational efficiencies and cost reductions [1]. 8. **AI-Driven Regtech and Cybersecurity**: Growing focus on AI-driven regtech and cybersecurity solutions, including areas like KYC, AML, and fraud prevention [1]. 9. **Open Banking and Open Finance**: Increasing focus in the UK following the general election [1]. 10. **Blockchain and Crypto**: Growing interest as startups mature and the regulatory environment evolves, providing more confidence to investors [1]. 11. **Convergence Between Trad-Fi and De-Fi**: Jurisdictions are exploring and approving activities that blend traditional finance with decentralized finance, including tokenization of real-world assets and using traditional financial infrastructure to support crypto investment [1]. 12. **Payments Sector**: Continues to attract the largest share of investment, with a focus on modernization of B2B payments, embedded payments, and real-time payments [1]. 13. **Regtech**: Attracting additional attention and investment due to the evolving regulatory regimes and growing complexity of reporting requirements [1]. 14. **Cybersecurity**: Remains a key focus, particularly with the upcoming EU’s Digital Operations and Resilience Act (DORA) in 2025, with AI-related cybersecurity solutions garnering the most interest [1]. These trends highlight the dynamic and evolving nature of the fintech landscape as it adapts to new technologies, regulatory changes, and market demands.

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a year ago