The top fintech and payment trends for 2024, according to Juniper Research, include A2A payments, CBDC use cases, generative AI in banking, digital identity adoption, AML tools, sustainable fintech solutions, instant payments, mobile financial services, biometric in-store payments, B2B BNPL, and market fit over innovation. These trends are driven by economic pressures, the need for genuine progress on key pain points, and the increasing importance of ESG compliance. The report also notes that the status quo is no longer acceptable and that fintech vendors must focus on providing solutions that meet the needs of their stakeholders.