Key Fintech
Technologies &
Concepts
Driving Innovation in Financial Services Today
Presenter: Amit Saraswat
Data ： 2025.9.18
Contents
Fintech Revolution – Overview & Key
Blockchain, Cryptocurrencies &
01 07
Drivers DLT
Social Influence, Prediction Markets &
02 Networks, APIs & Open Banking 08
Sentiment Analysis
Platforms, Infrastructure & Banking as a Service Risks, Regtech & Security in
03 09
(BaaS)
Fintech
04 Customer Experience & Behavioral 10 Future Trends in Fintech
Economics
05 Key Fintech Case Studies 11 End of Presentation
AI, Automation & Data-Driven
06
Finance
Fintech
Revolution –
01 Overview &
Key Drivers
Fintech Catalyst and
Growth
Post-2008 Financial Crisis
Crisis eroded trust in banks, opening space for tech-driven
alternatives.
Regulatory changes (e.g. open data mandates) encouraged
new entrants.
Technology Enablers
Smartphones, high-speed internet, and cloud computing
enabled scalable digital financial services.
Mobile became the primary channel for banking.
Consumer Demand & Investment
New generations prefer fast, simple, low-cost financial
apps.
Venture investments exceeded $137B in 2019, fueling
startup growth.
Fintech Ecosystem Emergence
01 02
Diverse Services & Collaboration Disruption and Disintermediation
Fintech spans payments, lending, wealth, insurance. Peer-to-peer platforms and robo-advisors remove
Startups and incumbents collaborate, blurring industry intermediaries.
boundaries. Technology lowers entry barriers; incumbents respond with
partnerships and digital products.
Networks,
APIs &
02 Open
Banking
Networks & Decentralization of Finance
From Centralized to Networked Network Effects Decentralized Finance (DeFi)
Models Platforms gain value as user base Blockchain-powered platforms offer
Fintech introduces peer-to-peer grows, accelerating adoption. lending, trading without
lending, crowdfunding connecting intermediaries.
users directly. Democratizes finance, expands
access for individuals and small
businesses.
Open Banking & APIs – Opening the Vault
Customer Control &
What is Open Banking? Global Movement
Innovation
Regulations like PSD2 require banks Consumers control data sharing; Europe/UK lead, other regions follow,
to share data securely with fintechs fintechs create services like transforming traditional banking into
via APIs. budgeting apps and payment an open ecosystem.
initiations.
Platforms,
Infrastructur
03 e & Banking
as a Service
(BaaS)
Platform Banking Model
Bank-Fintech Collaboration
Platforms host third-party financial products via APIs.
Combines banks’ trust and fintech innovation.
Benefits and Examples
Increases customer choice and monetization opportunities.
Starling Bank’s marketplace is a notable API-driven success story.
BaaS – Banks as Infrastructure
Concept
Banks expose core services via APIs for third parties to integrate.
Impact
Enables “fintech everywhere,” rapid fintech product launches without banks building
everything.
Neo-banks and embedded finance expand through BaaS platforms.
Customer
Experience
04 & Behavioral
Economics
User Experience (UX) as Competitive Edge
Design Principles Onboarding & Engagement
Mobile-first, simple, clear UI reduces Fast onboarding through biometrics.
anxiety and builds trust. Continuous engagement via gamification
Personalization via data insights 01 02 and smart alerts.
enhances user engagement.
Behavioral Economics & Nudging
Nudges and Defaults Ethical Use & Gamification
Subtle design influences decisions Nudges must be transparent and in
without restricting choices. users’ interest.
Examples: automatic saving defaults, Gamification drives engagement
framing options favorably. through rewards and progress markers.
Key
Fintech
05 Case
Studies
Key Fintech Case Studies
Wealth Wizards – Robo-
Starling Bank – Digital Platform
Banking Advisory
UK fintech democratizing financial
UK challenger bank built on cloud with
advice via automation.
API-first strategy.
AI-driven personalized
Marketplace app integrates third-party
recommendations.
services seamlessly.
Lowers cost and expands access to
Rapid growth and industry awards.
wealth management.
TransferWise (Wise) – Cross-Border Mobile Money (M-Pesa)
Payments
Kenyan mobile network enabling
Innovative peer-to-peer currency
financial inclusion via SMS-based
transfer platform.
payments.
Lowers cost and increases speed
Agent network facilitates digital
compared to traditional banks.
transactions in unbanked regions.
Uses local transfers to avoid high fees.
Extended services to micro-loans and
insurance.
AI,
Automation
06 & Data-
Driven
Finance
AI, Automation & Data-Driven Finance
AI & Machine Learning in
AI Use Cases
Fintech
AI improves credit scoring, fraud ML models assess risk with broader data
detection, personalized recommendations. sets.
NLP powers chatbots and sentiment Fraud detection identifies anomalous
analysis in financial markets. spending quickly.
Personalized advice leverages customer
data.
Automation & Robotic Process
Automation (RPA)
Automates back-office tasks like
onboarding and compliance reporting.
Enables 24/7 chatbot customer service
and automated investing platforms.
Blockchai
n,
07 Cryptocur
rencies &
DLT
Blockchain, Cryptocurrencies
& DLT
Blockchain Fundamentals
Distributed, decentralized ledger secured by cryptography.
Immutable, append-only record keeping; consensus driven.
Cryptocurrencies & Financial Services
Bitcoin as pioneer digital currency; altcoins add smart contracts
and privacy.
Use in global payments, DeFi lending, and yield products.
Smart Contracts & DApps
Self-executing contracts remove need for intermediaries.
Decentralized apps enable peer-to-peer financial services on
blockchain.
Challenges: scalability, bugs, regulatory uncertainty.
Industry Case Studies
Generali’s blockchain pilot in insurance boosts transparency and efficiency.
Facebook Libra/Diem’s ambition faced regulatory hurdles, influencing CBDC
development.
Augur demonstrates decentralized prediction markets on Ethereum.
Social
Influence,
Prediction
08 Markets &
Sentiment
Analysis
Social Influence, Prediction Markets & Sentiment
Analysis
Social Investing Networks
Stocktwits connects traders, sharing real-time market sentiment.
Integrates social proof into investment decisions.
Social Media’s Market Impact
Platforms like Twitter, Reddit rapidly spread
Prediction Markets
market sentiment.
Speculative markets aggregate crowd forecasts.
Can cause volatility through herding and
Blockchain enables decentralized prediction platforms like Augur.
hype (e.g., GameStop).
Sentiment Analysis using NLP
Algorithms scan news and social media to gauge investor sentiment.
Provides early signals for trading and reputation risk.
Risks,
Regtech &
09 Security in
Fintech
Risks, Regtech & Security in Fintech
Cybersecurity & Financial Crime Risks
Increased attack surface with online finance and cloud use.
Threats include data breaches, fraud, money laundering.
Managing Risk Regtech Solutions
AI-driven fraud detection and real-time alerts. Automates compliance reporting, KYC, digital ID
Strong authentication, encryption, tokenization protect verification.
data. Regulatory sandboxes foster controlled fintech innovation.
Risk-aware culture vital; example: Robinhood’s balance Crypto compliance tools track illicit activity on blockchains.
issues highlight UX risks.
Future
Trends in
10 Fintech
Future Trends in
Fintech
Personalization & Real-Time Finance
AI enables hyper-personalized financial products.
Real-time payments and cashless societies on the rise.
Voice, IoT & Embedded Finance
Banking integrated with voice assistants and Internet of Things
devices.
Everyday objects handle financial interactions autonomously.
Further Decentralization
DeFi platforms may mature, expanding decentralized lending
and insurance.
Hybrid models combining tech and human advice may emerge.
Digital Identity
Self-sovereign identity gives users control over verified credentials.
Blockchain-based identifiers streamline onboarding, reduce fraud, and
enhance privacy.
Digital identity is key to trust and scaling digital finance.
