世界经济论坛-全球金融科技的未来_从快速扩张到可持续增长——第二版（英）-2025.6_57页_9mb

Global Fintech Report Summary

Market Performance

The fintech industry is moving from rapid expansion to sustainable growth, characterized by moderate but positive growth rates across regions.

• Customer Growth: Global average customer growth dropped to 37%, while revenue and profit growth increased to 40% and 39%, respectively.
• Regional Leaders: MENA, Latin America and the Caribbean, and the US and Canada showed the strongest cross-border expansion plans.
• Vertical Dynamics: Digital payments and digital lending led in overall growth, though most verticals experienced growth slowdowns compared to the pandemic surge.

Growth Enablers

• Top Drivers: Consumer demand and access to skilled talent remain key enablers.
• Challenges: Macroeconomic factors hinder growth for 18% of fintechs, while digital literacy and funding environments concern others.

Partnerships

• Incidence: 84% of fintechs partnered with traditional financial institutions, primarily via APIs (52%) and technology providers (41%).
• Motivations: Key drivers include access to technology and enhanced credibility, particularly important in emerging markets.

Regulatory Perceptions

• Majority Positive: 62% view the regulatory environment as adequate for their operations, an improvement from prior studies.
• Notable Gaps: Coordination between regulatory bodies and staff knowledge, especially in Sub-Saharan Africa and Latin America.

Financial Inclusion

• Targeted Offerings: Fintechs increasingly serve traditionally underserved groups such as MSMEs (57%), low-income populations (47%), and women (41%).
• Regional Strength: SSA and MENA lead in serving rural and remote populations.

AI Adoption

• Adoption Rates: 80% of fintechs have implemented AI in at least one area. AI is widely used in customer service and process automation.
• Outcomes: AI significantly improves customer experience (83%), profitability (74%), and cost reduction (75%).

Forward Outlook

• Priority Areas: AI, regional interoperability, and open banking are expected to be critical drivers from 2025 to 2030.
• Key Challenges: Regulatory hurdles and talent shortages remain key barriers to AI and broader fintech development.