2022年金融科技趋势Top3

mobfdev TOPFINTECHTRENDSOF2022:THEPOWER OFTECHNOLOGYTOTRANSFORMFINANCE writtenbyMaksimBieliai BATeamLeader,FintechMarketAnalystatMobiDev mobidey TopMachineLearningBestAgency DevelopmentCompanyinUkraine SOFTWAREDEVELOPMENT FORVISIONARIESWHOCREATEPRODUCTS WEB&CLOUDAR&MOBILE INFRASTRUCTUREAPPS AIANDMACHINEIOT&HARDWARE LEARNINGINTEGRATION ForStartupsForEmergingcompaniesForEnterprises Guaranteeddelivery Youcanadapttoevolving TopUS-levelquality ontimeandonbudget businessneedsandincreaseROl for1/3thepricetobring Nosurprises withourflexible,provenprocesses 3xfeaturestoyourproduct 100%450+300+ ProductsApprovalratingEnglishspeaking launchedbyUpworkprofessionals Findmoreatwww.mobidev.biz Info@mobidev.biz+18883800276 UNITEDSTATESOFFICEUNITEDKINGDOMOFFICEENGINEERINGOFFICEINPOLANDENGINEERINGOFFICEINUKRAINE Atlanta,GeorgiaSheffieldodChernivts TableofContents GlobalFintechMarketTrends WEB3.OANDBLOCKCHAINPROVIDESECURITYANDDECENTRALIZATION ARTIFICIALINTELLIGENCEMAKESFINANCIALOPERATIONSSMARTER EMBEDDEDFINANCEEXPANDSSERVICESRANGE FintechLendingTrends PEER-TO-PEER(P2P)LOANS BUYNOWPAYLATER(BNPL) FintechPaymentTrends CONTACTLESSPAYMENTSAREONTHERISEAFTERTHEPANDEMIC REQUESTTOPAYTECHNOLOGYLOWERSTRANSACTIONCOSTS FintechBankingTrends OPENBANKINGEXPANDSBANKECOSYSTEM NEOBANKSOFFERMOBILE-FIRSTSERVICESATLOWERCOST BANKING-AS-A-SERVICEENABLESNEWSOURCESOFGROWTH FintechInvestmentTrends CRYPTOASSETSARECOMINGALONGWITHTHEMETAVERSE ROBO-ADVISORSANDPEMSFORNOVICEINVESTORS TheFutureoftheFintechIndustry 1 Asoneofthemostdisruptiveindustries,fintechhassignificantlychangedthe wayweinteractwithfinancialcompaniesoverthepastdecadeandhasn't stoppedthere,Eachyearbringsusnewinnovationsdesignedtomeetgrowing customerexpectations.That'swhyit'simportantforbusinessownersand executivestounderstandwherewearenowandwherewe'reheadedwith financialtechnologyinordertomaintainrelevancyandcompetitiveness.Let's talkaboutthetopfintechtrendsthatdrivethemarket. GlobalFintechMarketTrends Beforedivingintospecificfintechareas,let'stakealookatthegeneralfintech markettrendsthataregame-changingforthefinancialtechnologyscene. WEB3.OANDBLOCKCHAINPROVIDESECURITYAND DECENTRALIZATION FollowingloftypromisesandambitiousvisionsofthefutureoftheInternet,web 3.otechnologiesandblockchainexplodedworldwide.Consumersare increasinglyfavoringtheownershipofdigitalgoods,madepossibleby non-fungibletokens(NFTs)andcryptocurrencies.Blockchainisexactlythe exceptionalsecurityandprovidingthenecessaryfinancialinfrastructure.While cryptocurrenciesareameansofpaymentthere,NFTsarereliableproofof ownershipofaparticulardigitalasset. Basedontheimplementationofblockchain,artificialintelligenceandmachine learning,andtheInternetofThings,Web3.0offersahighlevelof decentralizationandpersonalization,providingfinancialservicesuserswitha completelynewcustomerexperience.Forexample,blockchainallows peer-to-peertransactionswithoutfinancialintermediarieslikebanks.However, thisdoesnottakebanksoutofagrowingtrend.TheAmericanbankingcompany J.P.Morgan,announcedlastyeartheuseofblockchaintechnologyinitsnew Confirmsolution,designedtoreducethecostofpaymentsbetweenbanking institutionsaroundtheworld. 2 So,blockchainisstillanintegralpartofthedevelopmentofthefintechmarket. AccordingtoMarketsandMarkets,thefintechblockchainmarketsizeis expectedtogrowfrom$230.0millionin2017to$6,228.2millionby2023. ARTIFICIALINTELLIGENCEMAKESFINANCIAL OPERATIONSSMARTER Fintechsolutionsinvolveagreatdealofdata,andthere'snobettertechnology tohandleallthatdatathanartificialintelligence.Specifically,machinelearning. Alhelpswithanumberofareasoffintech,likeriskmanagement,fraud bankingexperience,andautomatingworkflowsforteammembersandcustomers. Artificialintelligenceisbestusedforrecognizingpatternsindata,andthen Al-poweredsolutionscangivesuggestionsbasedonfindingstohelpusers reduceoroptimizetheirspending.Alallowsfinancialcompaniestotrackthe financialhealthofcustomersbycollectingandprocessinginformationabout theircashaccounts,creditaccountsandinvestmentstoprovidecustomerswith relevantandmorepersonalizedservices.Thiscanbedonethroughtailored budgetingplansandspendinganalysis. Readalso HowToBuildanAl-PoweredFinancialAssistantApp TheRoyalBankofCanadausesthepowerofAltoimproveuserexperienceand millionsofdatapoints,acceleratingfinancialforecastanalysisandenablingacompanytobuildanddeployAl-poweredappsmoreefficiently.Andthisisnot theonlyexample.AccordingtoMordorIntelligence,Alinthefintechmarketis expectedtogrowfrom$7.91billionin2020to$26.67billionby2026. 3 EMBEDDEDFINANCEEXPANDSSERVICESRANGE Anothertopfintechtrendisembeddedfinance,whichallowsfinancial technologiestobeintegratedintonon-financialproducts,Forexample,at checkoutonawebsite,ausercouldselectanoptiontobuyaniteminmultiple installments.Anotherapplicationofthisischoosingtoaddoninsuranceforan itemlikeacarorelectronicdeviceatcheckout.Asaresult,thiscanincrease conversions,yieldmorevaluabledata,andincreasesthecompetitivenessof products. Solutionssuchasembeddedpaymentsthatsupportinstantonlinepurchases,or embeddedinsurancetha