Key trends include: 

• Embedded Finance and No-Code Revolution is Here to Stay: Products from Griffin and Intergiro are lowering the barriers to entry for businesses to embed banking services seamlessly. With Griffin’s BaaS platform making it easier for UK fintechs to offer banking products, and Intergiro’s no-code platform enabling businesses to build custom apps with real-time customer data insights, we see a push toward democratizing access to sophisticated financial services. Expect a surge in new financial products from non-traditional players as the no-code, BaaS, and embedded finance movements continue to gain traction.
• Smarter Risk Management & Fraud Detection at the Forefront: Fraud detection and risk scoring have taken center stage with launches like Galileo’s real-time fraud detection and Unimarket-Finexio’s risk score tools. For businesses, this means improved protection against fraud, but it also signals a larger trend of financial products integrating sophisticated risk management features as a standard. As fraud becomes more complex, enterprises must stay ahead by incorporating intelligent, real-time monitoring tools that allow for seamless, frictionless customer experiences without compromising security.
• Blurring the Lines Between Financial Wellness & Traditional Finance: Fintechs are moving beyond mere transactions to become proactive financial health partners. DailyPay’s Credit Health and Payhawk’s real-time budget management tools exemplify this shift, offering users the ability to manage credit scores and budgets in real time. This blend of transactional finance with financial wellness is reshaping fintech’s role in people’s and businesses’ lives. By enabling users to optimize financial decisions and health, these platforms are ensuring sustained customer loyalty, engagement, and a more personalized financial experience.