The WEF Future of Global Fintech 2025 report shows fintech entering a new phase of scale, regulation, and integration. Growth is driven by AI, digital assets, embedded finance, and cross-border payments, expanding financial access and efficiency. However, challenges include fragmented regulation, cyber risks, and uneven adoption across markets. Collaboration between regulators, incumbents, and innovators is critical to balance innovation with stability and trust. The report emphasizes interoperability, consumer protection, and sustainability as priorities. Fintech’s future lies in enabling inclusive growth, resilient financial ecosystems, and deeper integration into global digital economies.

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