揭示2025年及未来金融服务的五大趋势与预测

Unveiling Megatrends & Predictionsin Financial Services for 2025 & Beyond “The coming years present a rare convergence of risk and opportunity infinancial services. AI is reshaping customer experiences and compliance.Legacy systems are being challenged by the demands of digital-firstgenerations. And regulation, once seen as a barrier to innovation, isbecoming a catalyst for smarter, tech-enabled transformation. This report highlights five megatrends that will define value creationacross the industry, from hyper-personalization and generational wealthtransfer to regtech, trust in AI, and intelligent automation.” Salim Laouiti, Ventures Associate, Fintech Introduction Plug and Play — Catalyst for Innovation Plug and Play is a venture capital firm, global innovation platform, andstartup accelerator headquartered in Sunnyvale, California. Founded in2006 by Saeed Amidi, it has evolved into one of the world’s leadingstartup ecosystems. By connecting startups with over 550 partners,including major corporations, venture capitalists, universities, andgovernments, alongside 300+ investors and industry leaders across 25sectors, it helps tackle some of the most pressing challengesbusinesses face today. Our mission is to drive innovation by building a platform that is open toanyone, anywhere. We do so by offering funding, mentorship, andnetworking opportunities to help startups scale their businesses. Weoperate industry-specific accelerator programs covering sectors suchas fintech, insurtech, smart cities, mobility, and healthtech, where eachprogram is designed to match startups with corporate partners thatcan offer strategic support, funding opportunities, and market access. With a presence in over 60 locations worldwide, including key hubs inthe United States, Europe, Asia, South America, the Middle East, andAfrica, Plug and Play supports thousands of startups annually. Ourglobal reach enables them to accelerate innovation no matter wherethey are located. Beyond open innovation, we are also one of the most active investorsglobally, backing 200+ startups per year from pre-seed to Series A, withinitial investments ranging from $25k to $3M. Our portfolio comprisesmore than 30 unicorns, including PayPal, Dropbox, LendingClub, andN26. Table of Contents Unveiling Megatrends & Predictions in Financial Services for 2025 & Beyond Methodology We began by assessing key innovation themes based on ourexisting expertise at Plug and Play. This included analyzing majortrends reflected in our investment thesis, insights from our130+ corporate partners in Financial Services, and perspectivesfrom Plug and Play colleagues on emerging industry shiftsworldwide. Phase 1Identifying ResearchTopics Based onInternal Capabilities Building on our internal foundation, we expanded our researchby examining reports from leading research agencies andtracking their trend analysis. Additionally, we engaged with ourcorporate partners through our internal platform,Playbook, tounderstand their innovation priorities for 2025. This provided uswith a broad perspective on the current landscape and themegatrends shaping thefintech market. Phase 2Exploring MarketSignals & ExternalInsights To add depth and an external perspective, we consulted withfellow Venture Capitalists specializing in investments infinancialservices. Their insights are featured in the report as directquotes, offering an industry-wide view while maintaining theintegrity of our internally developed analysis. Phase 3Insights from VCs &CVCs Outcome“UnveilingMegaTrends &Predictions inFinancial Services for2025 & Beyond" This report, produced by the Plug and Play Fintech andInsurtech teams in collaboration with leading VCs, presents acomprehensive overview of the key trends shaping thefinancialservices industry in 2025 and beyond. Acknowledgements Huge thank you to everyone who made this report possible: And, from Plug and Play: •Margaux Gregoir, Principal at Alven•Mathilde Lyet, Principal at Dreamcraft•Juliette Ast, Associate at Serena•Florian Graillot, Founding Partner at astoryaVC•Marine Augé, Vice President at Fidelity Strategic Ventures•Jose Maria Hernanz Fernandez-Aguado, Partner at JME Ventures•Thomas Diehl, Senior Associate at Notion Capital•Hugo Hazon, Associate at Illuminate Financial•Bob Rode, Principal at 6 Degrees Capital•Brandon Mhangami, Associate at Augmentum •George Damouny, Partner, Fintech•Eugenio Gonzalez, Partner, Insurtech•Arthur Bessieres, Principal, Fintech & Insurtech•Davis Auksmuksts, Fintech Director & Investment Principal•Luis Llorens, Principal, Fintech Authors Katya is a venture capital investor focusing on the insurtech andthe broader fintech sector. On top of investment activities, Katyaleads the scouting for Plug and Play’s EMEA Insurtech AccelerationProgram, shortlisting 150 startups annually for corporate partnerssuch as Irish Life, Unipol, Versicherungskammer Bayern, andVienna Insurance Group. She has organized and moderatedmultiple pa