The 2025 Fintech Report: Transforming Financial Services Through Innovation

The financial technology (fintech) sector is undergoing a seismic shift, reshaping the landscape of traditional financial services through innovation, accessibility, and efficiency. The 2025 Fintech Report delves into this rapidly evolving industry, highlighting key trends, major players, and the collaborative efforts driving growth and transformation. As we explore the findings of this report, we will uncover how fintech is not only disrupting established norms but also enhancing financial inclusion and transparency across the global economy.

Executive Summary: Fintech Industry Outlook 2025

Industry Growth Overview

The fintech industry is on a robust growth trajectory, expanding at an annual rate of 5.38% and comprising over 103,000 companies worldwide. Projections indicate that by 2030, the market will reach an impressive USD 686.85 billion, reflecting a compound annual growth rate (CAGR) of 14%. This growth is fueled by technological advancements and innovative business models that cater to a digitally savvy consumer base.

Manpower & Employment Growth

With 12 million people employed globally in the fintech sector, the industry is a significant job creator, having added 890,000 new employees in the past year alone. This surge in employment underscores the sector’s expanding influence and the demand for skilled professionals.

Patents & Grants

Innovation remains at the forefront of fintech, with over 26,000 patents and 6,000 grants awarded to support research-driven advancements. This focus on intellectual property is crucial for fostering technological breakthroughs that can redefine financial services.

Global Footprint

The United States, India, the United Kingdom, Canada, and Australia are recognized as top country hubs for fintech innovation. Key city hubs such as London, New York City, Singapore, San Francisco, and Mumbai are pivotal in driving the industry’s growth, serving as incubators for new ideas and technologies.

Investment Landscape

The fintech sector has witnessed robust financial activity, with more than 101,000 funding rounds and an average investment value of USD 46.5 million per round. Leading investors, including Goldman Sachs, JP Morgan, and SoftBank, have collectively invested over USD 64 billion, reflecting strong institutional confidence in the sector’s potential.

What Data is Used to Create This Fintech Market Report?

The insights presented in the 2025 Fintech Report are derived from a comprehensive analysis of various data sources:

• News Coverage & Publications: The fintech industry garnered over 46,000 publications last year, highlighting its prominence in media and research.
• Funding Rounds: Our database includes 101,000 funding rounds, showcasing significant financial activity and investment interest.
• Manpower: The sector employs over 12 million workers, with a notable increase in employment.
• Patents: The industry holds 26,000 patents, emphasizing its commitment to innovation.
• Grants: More than 6,000 grants have been secured, attracting research and development funding.
• Yearly Global Search Growth: Global search interest in fintech grew by 68.22% over the past year, indicating heightened public and professional attention.

Methodology: How We Created This Fintech Industry Report

This report is based on proprietary data from the AI-powered StartUs Insights Discovery Platform, which tracks 25 million companies and 20,000 technologies and trends globally. By leveraging this extensive database, we provide actionable insights on emerging technologies and market trends. Our analysis focuses on the evolution of fintech over the past five years, examining key data points such as:

• Total companies working on fintech trends
• News coverage and annual growth
• Market maturity and patents
• Global search volume and growth
• Funding activity and top countries

Explore the Data-driven Fintech Outlook for 2025

Approximately 64% of the world’s digitally active population utilizes at least one fintech service, ranging from digital payments to lending platforms and investment apps. The heatmap within the report highlights key data points in the fintech industry, showcasing growth and innovation trends. With over 9,200 startups contributing to a total of 103,000 companies, the industry is poised for continued expansion.

According to Mordor Intelligence, the fintech market size is estimated at USD 356.73 billion in 2025, with projections to reach USD 686.85 billion by 2030, driven by a CAGR of over 14% during the 2025-2030 period.

Innovation metrics reveal a strong focus on intellectual property, with over 26,000 patents and 6,000 grants awarded, indicating a commitment to technological advancement. The industry’s employment figures reflect steady growth, with 12 million people employed globally and 890,000 new jobs added last year.

A Snapshot of the Global Fintech Market

The fintech industry is characterized by a dynamic ecosystem of startups and significant mergers and acquisitions. With 9,500 early-stage startups and 5,400 M&A transactions, the sector demonstrates a strong pipeline of innovative companies. The industry’s focus on intellectual property is evident, with 26,000 patents attributed to 4,500 applicants, showcasing a diverse group of innovators.

Geographically, the United States leads with 8,800 patents, followed by China with 6,000, underscoring their dominant roles in shaping global fintech advancements.

Explore the Funding Landscape of the Fintech Market

The fintech industry exhibits strong financial activity, with an average investment of USD 46.5 million per funding round. This figure reflects investor confidence in the sector’s growth and innovation capabilities. The industry has attracted over 48,000 investors, appealing to a wide range of stakeholders, from venture capitalists to institutional investors.

With more than 101,000 funding rounds closed, the sector showcases numerous financial transactions and opportunities for startups and established companies. Over 24,000 companies have secured funding, emphasizing the sector’s ability to support and sustain diverse businesses.

Who is Investing in the Fintech Market?

The top investors in the fintech industry have collectively invested over USD 64 billion, reflecting their confidence in the sector’s growth. These investments are crucial for fostering innovation and supporting the development of new financial technologies.

Top Fintech Innovations & Trends with the Discovery Platform

The fintech industry is experiencing transformative changes driven by key trends that signify growth and innovation:

• Decentralized Finance (DeFi): With 11,000 companies and 253,000 employees globally, DeFi has added 47,000 new employees in the past year. Its annual growth rate of 51.19% reflects its potential to reshape traditional financial systems using blockchain technology and decentralized platforms.

• Open Banking: This trend involves 1,600 companies employing 228,000 professionals worldwide, with an annual growth rate of 57.23%. Open banking promotes financial transparency and collaboration through secure data-sharing frameworks.

• Finance AI: Although smaller in scale, this emerging trend comprises 100 companies employing 7,000 professionals. With an annual growth rate of 49.97%, AI is driving intelligent decision-making and automation in financial services.

5 Top Examples from 9,200+ Innovative Fintech Startups

The following innovative startups have been selected based on their relevance, founding year, funding status, and the trends they operate within:

Hyperbots: AI for Finance & Accounting

Hyperbots, a US-based startup, develops an Agentic AI platform to enhance finance and accounting operations. The platform utilizes expert systems and advanced models to extract, validate, and augment data from financial documents, ensuring accuracy and operational efficiency.

Struct Finance: DeFi Platform

Struct Finance, based in Singapore, offers a decentralized finance platform that tailors structured financial products for retail and institutional investors. Its innovative tranching mechanism allows investors to choose between predictable fixed returns and leveraged variable returns.

obconnect: CoP and Open Banking

UK-based obconnect provides open banking and confirmation of payee solutions to enhance payment security and compliance. Its software verifies recipient account details during payment initiation, reducing fraud and ensuring accurate transactions.

Macellan: Digital Wallet Marketplace

Turkish startup Macellan develops a digital wallet marketplace that consolidates multiple brands’ wallets into one application. This platform enhances consumer convenience and streamlines digital transactions across various sectors.

GoodTech Information Systems: Supporting Financial Inclusion

Filipino startup GoodTech Information Systems creates financial technology solutions aimed at improving financial inclusion for underserved communities. Its products facilitate instant account opening and digitize lending processes, connecting families with rural financial institutions.

Gain Comprehensive Insights into Fintech Trends, Startups, or Technologies

The finance industry in 2025 is set for continued growth, driven by technological innovation and expanding global access to financial services. Trends such as decentralized finance, open banking, and AI-driven solutions are reshaping traditional systems and creating new opportunities for businesses and consumers alike.

For those interested in exploring the extensive landscape of fintech startups and the trends impacting the industry, the 2025 Fintech Report serves as a valuable resource, providing insights into the future of financial technology.