2025年金融服务领域开源现状报告

The 2025 State of OpenSource in Financial Services Fintech Open Source Foundation (FINOS) October 2025 Brittany Istenes,FINOS AmbassadorAdrienn Lawson,Linux FoundationForeword by Michael Abbott,Accenture Hilary Carter,Linux FoundationTosha Ellison,FINOSColin Eberhardt,Scott Logic The 2025 State of Open Source in Financial Services 93% of respondentssay that using OSSimproves softwarequalityin theirorganization. 87% of respondents agreethat usingOSSdeliversbusiness valuetotheir organization. 84% agree that open sourceisvaluable to thefutureof the financialservices industry. Top motivations forcontributing to OSS aregiving back to thecommunity,influencing criticalprojects, andreducingtechnical debt. Securityvulnerabilities(52%)and thelack of ongoingmaintenance(48%) arethe top concerns aroundopen source. Nearly 20% recognizeannual cost savingsof greater than$1 millionfrom opensource usage. 49% believe GenAIwill have the biggestimpact oninternaldeveloperproductivityvs.23% forclient-facingservices. 64% of large financialinstitutions haveimplemented anOSPO, and 67% have joinedor associated withopensource organizations. Alack of clear ROI(48%) andlegal andlicensing concerns(48%) are impeding opensource contribution. Standards, open sourcemodels, and open sourceframeworkshave thegreatest impact on AIdevelopment (56%, 54%,and 52%, respectively). Most organizations (44%)expect torealize an ROIfrom GenAI in 2–5years,with 18% alreadyseeing returns. Over 50% seeopencollaboration onindustry standardsdelivering the greatestvalue. Contents Foreword...........................................................................04Executive summary........................................................06Introduction......................................................................08GitHub metrics show the scope ofopen source activity in financial services.................10Survey and interview findings......................................15Measuring the industry’s open sourcematurity and strategy.......................................................................15Strategic maturity.......................................................................15From consumption to contribution throughpolicy and practice.....................................................................17What are the barriers and challenges holdingthe sector back?.........................................................................23Community as the acceleratorto value and impact.........................................................................25Community drives value..........................................................25Opportunities across the stack.............................................28Measuring business value and ROI.......................................31The growing value of AI.................................................................33Growing investment..................................................................33Emerging ROI..............................................................................35The increasing role of open source.....................................35Business impact.........................................................................36Tackling adoption challenges................................................37 Conclusions and actionable insights.........................38Methodology....................................................................40Resources..........................................................................42Acknowledgments..........................................................43Appendix A.......................................................................44Appendix B........................................................................51 Foreword The Linux operating system exemplifies the transformativepower of open source. Linux is rapidly becoming the dominantcompute engine for the banking industry, whether on-premises(on-prem) or in the cloud. And open source technologies areincreasingly prevalent across all levels of the technology stack,including databases, development tools, security components,and now agentic management. Some banks have gone all-in:notably, innovative banks such as Nubank, a Brazilian digitalbank offering low-cost financing through a user-friendly app,have adopted 100% open source models. As I reflect on my discussions withhundreds of clients worldwideover the last year, it’s clear that thefuture of banking is being reshapedby open source systems. Today,banks’ technology stacks are highlycomplex, dominated by costlyand inefficient legacy systems.Within these systems lies a mixof both strategic capabilities andnecessary foundational elements. FINOS has played a pivotal role in fostering collaborationand innovation within financial services through open sourcesoftware, standards, and best practices. This year’s State ofOpen Source in Financial Services Research report examinesconsumption patt