Gitnux/Report 2026

Financial Technology Industry Statistics

The global fintech investment reached $103.1 billion in the first half of 2026, explore the figures behind growth, companies and technology trends.
307Statistics
113Sources
12Sections
1Visuals
51mRead
November 11, 2026Updated
Financial Technology Industry Statistics
Marcus AfolabiWritten by Marcus Afolabi·Edited by Nikolas Papadopoulos·Fact-checked by Peter Sandoval
Published ·Updated
How this report is researched
01Editorial Scope

Before any source is gathered, an editor locks the question, what qualifies, and how the piece will be judged.

02Source Research

Search agents collect the source set and pull each data point out with its provenance attached.

Read our full methodology →

Search agents attach provenance to every extracted figure.

Next review: within 31 days

01 Industry overview

The financial technology industry at a glance

Global fintech investment reached $103.1 billion in the first half of 2026, while revenue, payments infrastructure, artificial intelligence and digital assets remain the industry’s main growth and investment priorities.

$103.1B[15]
Global investment, H1 2026
$650B[20]
Global fintech revenue, 2025
$66.5B[15]
Americas investment, 2025
$37.45T[99]
Digital payments value, 2026
Market size
McKinsey estimates that global fintech revenue reached approximately $650 billion in 2025, up about 21% from 2024. Digital payments alone are projected to process $37.45 trillion in transaction value in 2026.[20][99]
Forecast & CAGR
The worldwide digital-payments market is forecast to grow at a 4.31% compound annual rate from 2026 to 2031, reaching $46.25 trillion in transaction value by 2031.[99]
Market share & regions
The Americas attracted $66.5 billion of global fintech investment in 2025, compared with $29.2 billion for EMEA and $9.3 billion for ASPAC. The United States accounted for $56.6 billion of the Americas total.[15]
Segmentation
Payments remained a major fintech segment, attracting $19.2 billion across 542 transactions in 2025. Other prominent segments included digital assets, which attracted $19.1 billion, and AI-focused fintechs, which attracted $16.8 billion.[15]
Key players & concentration
Investment is becoming more concentrated in larger, scalable companies: global fintech deal volume fell to an eight-year low of 4,719 in 2025 even as total investment rose to $116 billion. In the United States, $56.6 billion was invested across 1,977 deals.[15]
Trends, drivers & challenges
AI-focused fintech investment reached $21.4 billion in the first half of 2026, while global investment reached $103.1 billion. Growth is being supported by AI, digital assets, stablecoins, instant payments and cross-border infrastructure, but investor selectivity, geopolitical risks and concerns about AI valuations remain challenges.[15]
Consumer behavior & competition
Mobile-money merchant payments grew by almost half to $155 billion in 2025, indicating continued consumer and merchant migration toward digital financial services. Competition is increasingly focused on scalable payments platforms, real-time payments, digital wallets, AI-enabled services and stablecoin infrastructure.[100][15]
M&A
Global fintech M&A reached $55.3 billion across 840 deals in 2025. One of the largest transactions was Global Payments’ agreement to acquire Worldpay for a net purchase price of $22.7 billion, or $24.25 billion including anticipated tax assets.[101]
Regulation
The European Union’s Digital Operational Resilience Act has applied since January 17, 2025, introducing ICT-risk and operational-resilience requirements for financial entities. In the United States, the GENIUS Act was signed into law on July 18, 2025, creating a federal framework for permitted payment stablecoin issuers and requiring full reserve backing.[102][103]
Latest news
The latest available KPMG data show global fintech investment reached $103.1 billion in H1 2026, up from $72.2 billion in H2 2025. The Americas accounted for $86.9 billion of H1 2026 investment, including $80.8 billion in the United States.[15]

02 Ranking

Top 10 Companies in the Financial Technology Industry

The leading companies in the financial technology industry, ranked on market impact, performance, momentum, innovation and brand popularity.

Updated November 11, 2026 · Next review December 11, 2026

Verdict

Stripe stands out for programmable financial infrastructure because it is used by more than 5 million businesses, while Mastercard is the pick for a global payments network since it operates in more than 220 countries and territories.

Ranked by Overall score · How we score ↓

Editor's top 3 picks

Where to start, by need.

  1. #1 Overall · Leader in programmable payments infrastructure

    Stripe

    US

    Ranked #1 · 9.6 · Programmable payments infrastructure

    Why we picked it: It provides programmable payments and financial infrastructure used by more than 5 million businesses.

    See in ranking ↓Visit stripe.com ↗

  2. Leader in global payments network

    Mastercard

    US

    Ranked #2 · 9.5 · Global payments network

    Why we picked it: It operates a global payments network in more than 220 countries and territories.

    See in ranking ↓Visit mastercard.com ↗

  3. Leader in digital banking and investing

    SoFi Technologies

    US

    Ranked #3 · 9.5 · Digital banking and investing

    Why we picked it: It reports 13.7 million members and $3.6 billion in 2025 total net revenue across digital financial services.

    See in ranking ↓Visit sofi.com ↗

Pick 1 is the #1 company overall. Picks 2 and 3 are the highest-ranked companies in the top 5 that add a new segment.

Full ranking

Sort by
Top 10 companies in the financial technology industry, 2026 – Gitnux ranking
#CompanyOverall ↓Company snapshot
1

Stripe

Programmable payments infrastructure · US

9.6
2

Mastercard

Global payments network · US

9.5
3

SoFi Technologies

Digital banking and investing · US

9.5
4

Revolut

Digital banking and investing · GB

9.4
5

Robinhood

Consumer investing platform · US

9.3
6

Coinbase

Cryptocurrency exchange and digital-asset infrastructure · US

8.9
7

Intuit

Accounting, tax, payments and small-business finance · US

8.7
8

FIS

Banking, payments and capital-markets technology · US

8.7
9

Fiserv

Merchant acquiring and financial institution technology · US

8.6
10

Block

Merchant payments, consumer finance and digital assets · US

8.4

How we score

  • Impact (30%): scale and weight in the market (revenue, market share, employees, market position).
  • Performance (20%): recent revenue growth and operating margin; an analyst assessment where a company does not publish them.
  • Momentum (20%): growth trajectory and future potential.
  • Innovation (15%): R&D intensity and how technologically advanced the company is.

Popularity (brand search demand, 15%) counts toward Overall but is not published as a column. Overall leaves out what is not known.

Scale Scores are shown on a 7–10 scale with one decimal; bars start at 7.0.

Cadence Recalculated when new figures are published; next review December 11, 2026.

Independence. Rankings are editorially independent. Scores, ranks, picks and the verdict follow the method above; no company can pay to change them.

Cite this ranking

APA

Marcus Afolabi. (2026, February 13). Top 10 companies in the financial technology industry. In Financial Technology Industry Statistics. Gitnux. https://gitnux.org/financial-technology-industry-statistics/#top-companies

report visual · Comparison

Revenue of the largest financial technology companies

Mastercard leads with $32.8B in annual revenue (group level, converted to USD).

Mastercard$32.8B
Block$24.1B
Fiserv$21.2B
FIS$10.7B
Revolut$5.7B
SoFi Technologies$3.6B
source-verifiedsec.gov · block.xyz · assets.revolut.com2025

04 Statistics

Technology & Innovation

Adoption is wide and moving toward operational automation, with 81% of surveyed financial-services firms adopting AI at some level in 2026. Foundation-model use is reported in UK financial services, and automated decision-making appears in 55% of AI use cases in 2024.

AI in the financial technology industry

  • 81% of surveyed financial-services firms were adopting AI at some level in 2026 globally.[1]
  • 17% of AI use cases reported by UK financial-services firms in 2024 used foundation models.[2]
  • 17% of AI use cases in UK financial services involved foundation models in 2024.[2]
  • 55% of AI use cases reported by UK financial-services firms in 2024 involved some degree of automated decision-making.[2]
  • 76% of surveyed fintech and financial-services participants had at least one AI initiative in 2024.[3]
  • 55% of AI use cases in UK financial services included some degree of automated decision-making in 2024.[2]

Automation in the financial technology industry

  • 203% was the 2024 year-over-year growth in data-operations automations among financial-services organizations.[4]
  • 65% of financial-services organizations had adopted process automation in customer-service functions in 2025.[5]
  • 18% of financial-services automation activity was allocated to IT service management and IT operations in 2024.[4]
  • 18% of financial-services automations in 2024 were allocated to IT service management and IT operations.[4]
  • 38% of financial-services automation activity was allocated to data operations in Workato’s 2024 index.[4]
  • 216% was the year-over-year growth in customer-support and operations automations in financial services in 2024.[4]

Digital Transformation in the software and IT services sector (sector benchmark)

  • 75% of digital leaders globally planned to increase AI-related business expenditure in 2024.[6]
  • 34% of surveyed organizations globally identified replacing or upgrading legacy technology as a top digital-transformation goal in 2024.[6]
  • 54.8% of surveyed organizations reported having a chief digital officer or another executive responsible for digital transformation.[7]
  • 72% of digital leaders globally expected to increase technology spending in 2024, compared with 50% of digital laggards, according to a survey of 855 technology and business decision-makers.[6]
  • 45% of North American technology and business decision-makers planned to adopt AI and machine learning to improve business within 12 to 24 months.[6]

Technology Adoption in the software and IT services sector (sector benchmark)

  • 57.7% of surveyed organizations reported having a chief information security officer or equivalent in 2024.[7]
  • 51.8% of surveyed organizations reported that AI solutions were somewhat or extremely rare in 2024.[7]
  • 67.6% of IT services were delivered through cloud infrastructure among surveyed organizations in 2024.[7]
  • More than 50% of surveyed global IT decision-makers were exploring AI use cases or piloting AI technologies in 2024.[6]

Cloud Computing in the software and IT services sector (sector benchmark)

  • 65.5% of EU enterprises using paid cloud services used them for security software applications in 2025.[8]
  • 26.1% of EU enterprises using paid cloud services used computing platforms for application development, testing or deployment in 2025.[8]
  • 85.2% of EU enterprises using paid cloud services used them for email in 2025.[8]
  • 71.5% of EU enterprises using paid cloud services used them for file storage in 2025.[8]
  • 71.7% of EU enterprises using paid cloud services used them for office software in 2025.[8]
  • 52.7% of EU enterprises with at least 10 employees used paid cloud-computing services in 2025.[8]

Big Data in the software and IT services sector (sector benchmark)

  • 3% was the lowest reported enterprise adoption rate for big-data analytics across OECD countries in the latest available data through 2023.[9]
  • Big-data analytics adoption averaged 14% among OECD enterprises with at least 10 employees, compared with 49% for cloud computing in the latest comparable data.[9]
  • 40% was the highest reported enterprise adoption rate for big-data analytics across OECD countries in the latest available data through 2023.[9]

05 Statistics

Data & Analytics

Organizations are still grading data quality while AI governance lags usage. In 2026, 76% of global data leaders said AI governance did not completely keep pace with employee use of AI technology.

Business intelligence in the financial technology industry

  • 35% of financial-services respondents were still in the test-and-learn phase of AI adoption in Quantexa’s 2022 survey.[10]
  • 41% of financial-services respondents reported good returns from AI projects over multiple years in Quantexa’s 2022 survey.[10]
  • 13% of financial-services respondents had begun an AI program and 18% had adopted one in Quantexa’s 2022 survey.[10]
  • 22.4% is the projected compound annual growth rate of the global fintech business-analytics market from 2022 to 2031.[11]
  • 5% was the conversion-rate improvement achieved by ATB Financial after using customer segmentation for digital-banking signups.[11]
  • 61% of financial-services respondents used or planned to use AI in Quantexa’s 2022 global survey.[10]

Data analytics in the financial technology industry

  • 10% was the year-over-year change in weekly insurance retention in North America reported by Mixpanel for 2024–2025.[11]
  • 83% of compliance and risk professionals anticipated widespread AI adoption in risk and compliance within one to five years in Moody’s Analytics’ 2023 survey.[10]
  • 2,533 fintech companies were represented in Mixpanel’s 2025 product-analytics report.[11]
  • 53% of fintechs made very high use of internally generated customer data for AI applications in EY’s global financial-services survey.[12]
  • 66% of compliance and risk professionals sought clarity on existing AI-related regulations in Moody’s Analytics’ 2023 survey.[10]
  • 5.84 billion unique users were represented in Mixpanel’s 2025 fintech product-analytics dataset.[11]

Data Quality in the software and IT services sector (sector benchmark)

  • In 2025, 34% of organizations globally rated their data excellent for relevance and suitability, across surveyed technology and business organizations.[13]
  • In 2025, 35% of organizations globally rated their data excellent for consistency and standardization, across surveyed technology and business organizations.[13]
  • In 2025, 43% of organizations globally rated their data excellent for quality and completeness, across surveyed technology and business organizations.[13]
  • In 2025, 46% of organizations globally said they were fully confident in their data quality, across surveyed technology and business organizations.[13]
  • In 2024, 95% of enterprise data leaders and practitioners reported a data-quality issue with a direct impact on business outcomes, across companies with at least $1 billion in revenue.[14]
  • In 2025, 46% of organizations globally rated their data excellent for accuracy and integrity, across surveyed technology and business organizations.[13]

Data Governance in the software and IT services sector (sector benchmark)

  • In 2024, 32% of global technology leaders prioritized data governance among their data-management areas for the next 12 months.[15]
  • In 2024, 35% of U.S. technology executives prioritized data governance among their data-management areas for the next 12 months.[15]
  • In 2024, 18.3% of organizations reported having a data-governance or catalog solution as part of their governance program, according to a global governance study.[16]
  • In 2024, 61% of supply-management organizations reported having a dedicated data-governance function, based on an Institute for Supply Management survey.[17]
  • In 2026, 76% of global data leaders said their company’s AI governance did not completely keep pace with employee use of AI technology.[16]
  • In 2024, 81.7% of organizations reported having no data-governance or catalog solution as part of their governance program, according to a global governance study.[16]

KPIs in the financial technology industry

  • $250 billion was Square gross payment volume in 2025.[18]
  • $316 billion of inflows were brought into Cash App by transacting actives during 2025.[18]
  • 57.7 payment transactions per active PayPal account were recorded on a trailing-12-month basis in 2025.[19]
  • 25.4 billion payment transactions were processed by PayPal during 2025.[19]
  • 59 million monthly transacting Cash App actives were reported in the United States in December 2025.[18]
  • 32% of financial-services firms had an AI committee or governance group in the 2024 AI Benchmarking Survey reported by FinTech Global.[10]

06 Statistics

Strategy & Growth

Investment flows concentrate in larger platforms as deal volume compresses. Global fintech investment reached $103.1 billion across 2,100 deals in the first half of 2026.

Growth in the financial technology industry

  • Global fintech investment reached $103.1 billion across 2,100 deals in the first half of 2026.[15]
  • Fintech market revenue reached approximately $650 billion globally in 2025, growing 21% year over year.[20]
  • The Americas attracted $86.9 billion across 1,120 fintech deals in the first half of 2026.[15]
  • Payments attracted $44.2 billion of fintech investment in the first half of 2026.[15]
  • Fintech private-company financing volume totaled $50 billion globally in 2024.[21]
  • $116 billion was invested globally in fintech across 4,719 deals in 2025.[15]

Differentiation in the financial technology industry

  • 21% was the year-over-year growth rate of global fintech revenue in 2025, as scaled firms and AI-enabled entrants expanded.[20]
  • 33.2% of surveyed firms used no digital technology for payment methods, according to World Bank firm-level data.[22]
  • $11.1 billion was invested in digital-asset fintech during the first half of 2026.[15]
  • 61.8% of surveyed firms used advanced digital technology for payment methods, according to World Bank firm-level data.[22]
  • $16.8 billion was invested globally in AI-related fintech in 2025.[15]
  • 4.0x was the median value created per dollar invested in native-AI fintechs in 2024, versus 2.7x for legacy or first-generation AI fintechs.[23]

Mergers and acquisitions in the financial technology industry

  • Fintech M&A deal count grew 25% year over year in 2024.[21]
  • 189 fintech M&A exits occurred in the fourth quarter of 2024, up 24% from the previous quarter.[24]
  • $55.4 billion was the value of global fintech M&A in 2025.[15]
  • $1.1 billion was the value of Stripe’s acquisition of Bridge in the fourth quarter of 2024.[24]
  • $27.5 billion of global fintech M&A value came from the United States in 2025.[15]
  • Capital One’s pending acquisition of Discover was valued at $35 billion in 2024.[21]

Strategic partnerships in the financial technology industry

  • 70% of banks saw fintech partnerships as either a strong or moderate growth driver in 2024.[25]
  • 49% of banks viewed fintech partnerships as a strong growth driver in 2024.[25]
  • 54% of credit unions viewed fintech partnerships as a strong growth driver in 2024.[25]
  • 60% of traditional financial institutions cited a founder’s profile among their top three reasons for partnering with fintechs in 2024.[26]
  • 60% of traditional financial institutions cited robust growth projections among their top three reasons for partnering with fintechs in 2024.[26]
  • 80% of credit unions saw fintech partnerships as either a strong or moderate growth driver in 2024.[25]

07 Statistics

People & Workforce

Fintech workforces report skills constraints alongside expanding remote and hybrid norms. In 2026, 48% was the technical-skills gap identified across fintech workforces in Indonesia, the Philippines, Singapore and Viet Nam.

Hiring in the financial technology industry

  • 56.3% of surveyed central banks said they recruited fintech talent internally in 2024.[27]
  • 21% of engineering and technical hires at 20 European fintech companies were women in 2025.[28]
  • 14% of surveyed fintech companies projected hiring HR specialists within the following one to two years in 2023.[29]
  • 37.5% of surveyed central banks recruited fintech talent from consultancies in 2024.[27]
  • 76.2% of surveyed central banks identified obtaining the relevant skill set as a key fintech recruitment barrier in 2024.[30]

Employee retention in the financial technology industry

  • 67.9% of surveyed central banks reported difficulty retaining fintech talent in 2024.[27]
  • 70% of surveyed central banks cited competitive salary as a fintech-retention obstacle in 2024.[27]
  • 80% of surveyed central banks cited private-sector opportunities as a fintech-retention obstacle in 2024.[27]
  • 70% of Singapore fintech firms offered flexible time-off policies in 2025.[31]
  • 77% of Singapore fintech firms supported hybrid or remote work in 2025.[31]

Remote Work in the software and IT services sector (sector benchmark)

  • 84% of technology-services employers agreed in 2025 that the ability to work remotely is important for employee retention.[32]
  • 48% of U.S. software and IT professionals surveyed worked remotely in 2026, compared with 21% in France.[33]
  • 10% of technology-services respondents worked under fully flexible arrangements in 2025, allowing employees substantial control over remote work.[32]
  • 34.8% of global software and IT services respondents worked remotely in 2026, according to the Stack Overflow Developer Survey.[33]
  • 6% of global respondents worked fully remotely in 2025, defined as spending less than one day per week in the office.[32]

Hybrid Work in the software and IT services sector (sector benchmark)

  • 47% of global respondents worked in hybrid arrangements in 2025, down from 63% in Cisco’s 2022 study.[32]
  • 55% of technology-services respondents worked in a hybrid arrangement in 2025, the highest share among industries measured by Cisco.[32]
  • 56% of IT employees worked in hybrid arrangements in 2025, while 31% were fully remote and 13% attended the office daily.[34]
  • 52% of U.S. employees with remote-capable jobs worked in hybrid arrangements in May 2026, according to Gallup.[35]
  • 61% of U.S. employees with remote-capable jobs preferred hybrid work in November 2025, compared with 33% preferring fully remote work.[35]

Upskilling in the financial technology industry

  • 48% was the technical-skills gap identified across fintech workforces in Indonesia, the Philippines, Singapore and Viet Nam in 2026.[36]
  • 19% of fintech organizations used on-the-job experience for upskilling or reskilling in 2025.[31]
  • 51% of surveyed fintech employees identified encouraging learning as a top cultural trait in 2023.[29]
  • 19% of fintech organizations used cross-functional projects as an internal development strategy in 2025.[31]
  • 46% was the soft-skills gap identified across fintech workforces in Indonesia, the Philippines, Singapore and Viet Nam in 2026.[36]

Employee Engagement in the software and IT services sector (sector benchmark)

  • 74% of respondents approved of fully flexible hybrid policies in 2025, the highest positive sentiment among the policy types Cisco measured.[32]
  • 92% of employees ranked collaboration and community as very important aspects of office culture in Cisco’s 2025 global study.[32]
  • 37% of exclusively remote U.S. employees were engaged in May 2026, compared with 34% of hybrid employees and 29% of on-site employees with remote-capable jobs.[35]
  • 22.2% of global software and IT respondents were happy with their current professional role in 2026, while 32.6% were unhappy.[33]
  • 54% of exclusively remote U.S. employees were thriving in May 2026, compared with 52% of hybrid employees and 49% of on-site employees with remote-capable jobs.[35]

08 Statistics

Customer & Sales

Customer interaction patterns favor digital channels, while retention remains a measurable hurdle. Day-one retention for payment apps was 17.7% globally in the first half of 2025.

Customer experience in the financial technology industry

  • 46% of consumers would stay with a financial-services provider that raised rates or fees if it delivered excellent customer experience in 2024, according to a U.S. survey.[37]
  • 88% of U.S. fintech users said fintech had helped them in a concrete way in 2025.[38]
  • 45% of U.S. consumers preferred using chat rather than the telephone to communicate with a financial provider in 2024.[39]
  • 59% of 25–34-year-olds would initially engage with a financial provider through a chatbot but would not want it as the only contact option in 2024.[39]
  • 49% of surveyed consumers disliked filling out paper forms or submitting documents by post in 2024.[39]

Customer retention in the financial technology industry

  • 10.4% was the day-one retention rate for finance apps in North America in the first half of 2025.[40]
  • 16.4% of finance-app users in Singapore returned on day one in the first half of 2025.[40]
  • 15.7% was the day-one retention rate for crypto apps globally in the first half of 2025.[40]
  • 17.7% was the day-one retention rate for payment apps globally in the first half of 2025.[40]
  • 20.6% of global banking-app users returned on day one in the first half of 2025.[40]

Customer acquisition in the financial technology industry

  • 80% of U.S. financial institutions surveyed in 2025 were focused on acquiring net-new customers.[41]
  • 10.9% of new mass-affluent checking-account customers chose Chase in the United States in the fourth quarter of 2025.[42]
  • 68% of U.S. financial institutions measured acquisition-campaign success by conversion rates in 2025.[41]
  • 11.5% of new mass-market checking-account customers chose Chime in the United States in the fourth quarter of 2025.[42]
  • 68% of U.S. financial institutions measured acquisition-campaign success by return on investment in 2025.[41]

Customer loyalty in the financial technology industry

  • 77% of financial-institution customers expected to be rewarded for their loyalty in 2024.[43]
  • 70% of U.S. consumers felt comfortable sharing data with the digital financial tools they used in 2025.[38]
  • 66% of U.S. consumers would consider switching banks if their bank could not connect to their preferred apps in 2025.[38]
  • Less than 32% of surveyed consumers said they were loyal to fintech providers in 2024.[44]
  • 52% of financial-institution customers considered themselves very loyal in 2024.[43]

Lead generation in the financial technology industry

  • 66.0% of finance-and-banking executives and leaders in Dupple’s 2026 dataset were decision-makers.[45]
  • 53.6% of finance-and-banking technology builders in Dupple’s 2026 dataset worked in data and analytics.[45]
  • 13.3% of finance-and-banking professionals in Dupple’s 2026 dataset reported data-and-analytics roles.[45]
  • 81.2% of finance-and-banking executives and leaders in Dupple’s 2026 dataset worked at companies with 51 or more employees.[45]
  • 30.3% of finance-and-banking professionals in Dupple’s 2026 dataset were decision-makers.[45]

09 Statistics

Marketing & Brand

Marketing teams continue to shift budgets toward generative AI while formal integration strategies remain incomplete. In 2026, 44% of financial institutions planned to increase generative-AI marketing spending.

Marketing in the financial technology industry

  • 19% of financial institutions rated mobile-app engagement and in-app marketing as effective in 2026.[46]
  • 44% of financial institutions planned to increase generative-AI marketing spending in 2026.[47]
  • 25% of financial institutions rated email marketing as effective in 2026.[46]
  • 44% of financial-services and fintech marketers had no formal AI-integration strategy in 2026.[48]
  • 50% of financial-services and fintech marketers incorporated audience-trust risks into AI governance policies in 2026.[48]

Digital marketing in the financial technology industry

  • 4% was the year-over-year decline in global fintech-app downloads in 2025.[49]
  • 20% was the approximate share of fintech app installs that registered within one week in 2026.[49]
  • 10.2% was the year-over-year increase in finance-category app revenue globally in 2025.[49]
  • 1.13 was the global cost-per-install benchmark for fintech apps in 2026.[49]
  • 1.16 was the global paid-to-organic acquisition ratio for finance apps in the first half of 2025.[50]

Branding in the financial technology industry

  • Chime ranked as consumers’ favorite brand in the U.S. neobanking and neobrokerage category in 2024.[51]
  • 38% of financial-services customers disagreed that provider communications were good or excellent in 2025.[52]
  • 69% of U.S. consumers recognized fintech brands in Hearts & Wallets research cited in 2024.[53]
  • 59% of U.S. consumers recognized newer offerings from traditional financial institutions in Hearts & Wallets research cited in 2024.[53]
  • 6.9% was the increase in Chime’s media spending between May 2024 and May 2025.[54]

Social media in the financial technology industry

  • 89% of surveyed banks used social media for communication in 2023.[55]
  • 57% of surveyed banks used social media for customer service in 2023.[55]
  • 75% of surveyed banks used social media for recruiting in 2023.[55]
  • 19% of U.S. banks used blogs for social-media activity in 2023.[55]
  • 71% of surveyed banks used social media for financial education in 2023.[55]

Influencer Marketing in the software and IT services sector (sector benchmark)

  • Across B2B companies, another 29% of marketing organizations planned to adopt influencer marketing within the next year in 2025, based on an Ipsos survey of 1,500 marketing leaders.[56]
  • Across B2B companies, 43% of marketers reported outstanding results from their influencer programs in the 2025 B2B Influencer Marketing Report.[57]
  • Across B2B companies, 58% of marketing teams reported using an always-on influencer marketing approach in the 2025 B2B Influencer Marketing Report.[57]
  • Across B2B companies, 55% of marketing organizations were using influencers in 2025, based on an Ipsos survey of 1,500 marketing leaders.[56]
  • Across technology companies, 64% of marketers reported dedicated and growing budgets for creator or influencer marketing in 2026, according to Nielsen’s global marketing survey.[58]

10 Statistics

Operations & Execution

Operational efficiency targets are tied to automation and SaaS, with fraud-risk mitigation high on roadmaps. McKinsey estimates generative and agentic AI could enable a maximum gross reduction of 60% in operational tasks across payment operations.

Process optimization in the financial technology industry

  • 44.7% growth in total payment volume contributed to a 20.8% increase in cost of services at the payments company in 2024.[59]
  • 60% is the maximum gross reduction in operational tasks that McKinsey estimates generative and agentic AI could enable across payment operations.[20]
  • 39% of financial institutions globally said SaaS would improve speed to market in 2024.[60]
  • 44% of financial institutions globally said SaaS would improve operational efficiency through scalability in 2024.[60]
  • 12% growth increased Nayax’s trailing-twelve-month average revenue per unit to $215 in 2024.[61]

Operational efficiency in the financial technology industry

  • 40% was the reported full-year 2024 efficiency ratio for a U.S. financial institution’s fintech solutions and banking operations.[19]
  • $42.3 billion of payment value was processed by the U.S. RTP network in the second quarter of 2024, up 72% year over year.[62]
  • 52% of financial institutions globally said accessible, efficient, reliable and secure business services were their top priority for meeting corporate-customer expectations in 2024.[60]
  • 32% increase raised Nayax’s customer count to 95,060 globally in 2024.[61]
  • 40% of financial institutions globally ranked payment-fraud-risk mitigation among their top product-roadmap priorities for the next 12 months in 2024.[60]

Quality management in the financial technology industry

  • $100 million was the average annual cost per surveyed organization from financial disharmony in the FIS–Oxford Economics study.[63]
  • 13% growth increased Payoneer’s research-and-development expense to $134.6 million in 2024.[19]
  • 33% of financial institutions globally identified structured or enhanced data as a major benefit of ISO 20022-native payments in 2024.[60]
  • 52% of financial institutions globally prioritized accessible, efficient, reliable and secure business services for corporate customers in 2024.[60]
  • More than two-thirds of the average $100 million annual cost of financial disharmony was attributed to cyberthreats, fraud and regulatory complexity.[63]

Supply chain in the financial technology industry

  • 95,060 customers used Nayax’s payments and connected-commerce platform in 2024.[61]
  • €1,285.9 billion was Adyen’s processed volume in 2024, spanning its global merchant-payment infrastructure.[64]
  • 26,000 additional connected devices were included in Nayax’s 2024 device count through the VM Tech acquisition.[61]
  • 33% growth increased Adyen’s processed volume in 2024 compared with the prior year.[64]
  • 22% of privately held companies with annual revenue of at least $10 billion used real-time payments to pay vendors in 2023.[65]

Outsourcing / Offshoring in the software and IT services sector (sector benchmark)

  • Across EU enterprises sourcing business functions internationally during 2021–2023, 28.7% moved information and communication technology services abroad.[8]
  • Among German IT-service generalists, 10.2% of digital-experience services for customer projects were delivered offshore in 2024.[66]
  • Across German digital-experience service providers, 7.6% of services for customer projects were delivered offshore in 2024.[66]
  • Among German IT-service generalists, 19.5% of digital-experience services for customer projects were delivered nearshore in 2024.[66]
  • Across European organizations, 35% planned to increase their use of nearshore outsourcing in the 2024/2025 sourcing study.[67]

11 Statistics

Finance & Pricing

Costs and take rates remain central measures for payment economics. Coinbase reported a 17.6% net margin for fiscal year 2025, and Nayax’s payment take rate was 2.73% in 2024.

Pricing strategy in the financial technology industry

  • 12% growth increased Nayax’s average revenue per unit from $192 in 2023 to $215 in 2024.[61]
  • 2.73% was Nayax’s payment take rate in 2024, compared with 2.53% in 2023.[61]
  • 51% of companies reported using or planning to use instant payments in 2024, according to a U.S. Bank survey of payment users.[62]
  • $97.413 million was the 2024 prepaid, debit-card and related-fee revenue reported by the same fintech solutions business.[19]
  • 80% of companies expected to use instant payments within two years in a 2024 U.S. Bank survey.[62]

Cost reduction in the financial technology industry

  • 48% of operating cash flow was devoted to capital expenditure by Worldline in the most recent quarter analyzed in 2025.[68]
  • 24% reduction lowered PayPal’s restructuring and other expense to $331 million in 2025.[69]
  • 32.2% was Fiserv’s cost of processing and services as a percentage of related revenue in 2024.[70]
  • 35% of operating cash flow was devoted to capital expenditure by Fiserv in the most recent quarter analyzed in 2025.[68]
  • $100 million was the average annual financial loss from inefficient financial operations among organizations surveyed in the United States, United Kingdom and Singapore in late 2024.[63]

Profitability in the financial technology industry

  • $5.233 billion was PayPal’s net result for fiscal year 2025.[71]
  • $51.9 million was Affirm’s net result for fiscal year 2025.[71]
  • 21% revenue growth was recorded across fintechs in 2024, according to BCG and QED Investors.[26]
  • $925.2 million was Adyen’s net income in 2024, up 32% year on year.[64]
  • 17.6% was Coinbase’s reported net margin for fiscal year 2025.[71]

Financial planning in the financial technology industry

  • $14.8 million was the average Series A fintech financing round size in 2024.[21]
  • 44% of financial institutions globally said SaaS would improve operational efficiency through scalability in 2024, supporting financial planning at higher transaction volumes.[60]
  • $4.2 million was the average seed-stage fintech financing round size in 2024.[21]
  • 66% of financial institutions globally said full cash visibility and real-time balances were essential for cash positioning and reporting in 2024.[60]
  • $29.3 million was the average Series B fintech financing round size in 2024.[21]

12 Statistics

Product & Service

AI is still a minority of product launches even as retention and automation show measurable outcomes. Only 3% of tracked fintech product and service launches from late 2022 through summer 2025 were AI-focused.

Product development in the financial technology industry

  • 3% of all financial-services product and service launches tracked from late 2022 through summer 2025 were AI-focused.[20]
  • 43% of Italian fintech entities cited risk reduction or improved risk-management processes as a product-development objective in 2025.[72]
  • 53% of Italian fintech entities cited meeting new or latent market needs as a product-development objective in 2025.[72]
  • 2.22 trillion events from 5.84 billion unique users were analyzed across 2,533 fintech companies for Mixpanel’s 2025 product-analytics report.[11]
  • The fintech category recorded 192 product launches in 2025, up 37% from 2024, according to The Launch Index.[73]

Product lifecycle in the financial technology industry

  • 181% was the annual engagement rate for top financial-services products, compared with 14% for median products, in Amplitude’s benchmark.[74]
  • 27% of users re-engaged with fintech platforms after one week in Mixpanel’s 2024 fintech retention benchmark.[11]
  • 15% of users were still returning to fintech platforms after 52 weeks in Mixpanel’s 2024 benchmark.[11]
  • 4.6% of customers were retained after three months by median financial-services products in Amplitude’s 2025 benchmark dataset.[75]
  • 221% was the annual acquisition rate reported for top financial-services products in Amplitude’s 2025 benchmark.[75]

After-sales in the financial technology industry

  • 97% of fintech customer-support inquiries were resolved through automated processes in Helpshift’s 2024 benchmark period.[76]
  • 71% was 30-day retention for the overall finance-app category in Alchemer’s 2023 benchmark, which included fintech, banking and insurance apps.[77]
  • 47% of financial-services consumers said they often had to repeat or re-explain information to different representatives in 2024.[37]
  • 27% of banking customers were fully satisfied with customer-service speed in Salesforce’s 2024 financial-services survey.[37]
  • 97% of fintech customer-support inquiries were resolved through automated processes during Helpshift’s 2023–2024 benchmark period.[76]

Value proposition in the financial technology industry

  • 14% of consumers globally had allowed AI to select financial-services providers for them in the six months covered by EY’s 2026 survey.[10]
  • 95% of U.S. small businesses said fintech better met their financial needs than traditional financial institutions in 2025.[78]
  • 85% of U.S. consumers reported high trust in fintech companies in 2025.[78]
  • 49% of consumers across 23 countries had used AI to support savings or investment decisions during the previous six months in EY’s 2026 survey.[10]
  • 98% of U.S. small businesses reported high satisfaction with the fintech products and services they used in a 2025 survey.[78]

13 Statistics

Sustainability & Ethics

ESG-related product offerings show uneven adoption and measurement practices. In 2023, 51% of payments and remittances fintechs reported collecting data to measure impact.

Sustainability in the financial technology industry

  • 45% of surveyed fintech companies offered finance options for green business ventures or projects in 2023, globally.[1]
  • 19% of surveyed fintech companies used algorithms integrating green data into credit scoring in 2023, globally.[1]
  • 38% of surveyed fintech companies offered finance options for social-impact or social-enterprise projects in 2023, globally.[1]
  • 22% of surveyed fintech companies offered insurance for extreme-weather-related events in 2023, globally.[1]
  • 8% of surveyed fintech companies offered accounting of environmental footprints on transactions in 2023, globally.[1]

ESG in the financial technology industry

  • 8% of surveyed fintech companies provided environmental-footprint accounting for transactions in 2023, globally.[1]
  • 7% of surveyed fintech companies used climate-data algorithms in credit scoring in 2023, globally.[1]
  • 19% of surveyed fintech companies used green-data algorithms in credit scoring in 2023, globally.[1]
  • 51% of payments and remittances fintechs reported collecting data to measure impact in 2022.[79]
  • 30% of companies using FinTech for ESG-related business said their workforce was unfamiliar with ESG in 2022.[80]

Ethics in the financial technology industry

  • 43% of U.S. respondents strongly agreed that ethics and legal compliance are top priorities when choosing a financial institution in 2025.[81]
  • 44% of surveyed financial-services organizations had sufficiently defined responsible-AI standards at board level in 2022.[82]
  • 43% of surveyed financial-services organizations struggled with AI-governance structures needed to meet regulatory requirements in 2022.[82]
  • 84% of UK financial firms using AI had an accountable person or persons responsible for their AI framework in 2024.[2]
  • 31% of U.S. respondents somewhat agreed that ethics and legal compliance are top priorities when choosing a financial institution in 2025.[81]

CSR in the financial technology industry

  • 66% of inclusive fintechs without women in leadership collected data for impact measurement in 2022.[79]
  • 74% of inclusive fintechs with women in leadership collected data for impact measurement in 2022.[79]
  • 69% of inclusive fintechs reported collecting data that enabled impact measurement in 2022.[79]

Circular economy in the financial technology industry

  • More than 90% of payment cards shipped globally are forecast to use sustainable materials by 2029.[83]
  • Just under 40% of payment cards shipped globally used sustainable materials in 2024.[83]

Carbon footprint in the financial technology industry

  • Capital-expenditure intensity was associated with approximately 6% higher emissions among listed fintech firms in 2019–2025.[84]
  • The median listed fintech in the study reduced emissions by roughly 350 tons for a one-standard-deviation increase in revenue growth.[84]
  • Capital-expenditure intensity was associated with approximately 6% higher emissions among listed fintech firms during 2019–2025.[84]
  • An increase of one standard deviation in fintech revenue growth was associated with about 8% lower emissions in the 2019–2025 sample.[84]
  • 494 firm-year observations formed the listed-fintech carbon-emissions sample for 2019–2025.[84]

15 Statistics

Globalization & Expansion

Cross-border expansion is underway while vendor complexity and third-party risk remain visible constraints. In 2025, 53% of surveyed financial institutions managed at least 300 vendors.

Globalization in the financial technology industry

  • $2.5 trillion in crypto-asset payments represented a small fraction of global cross-border payments in 2024.[91]
  • $650 billion was the approximate global fintech market revenue in 2025, up 21% year over year.[20]
  • 58% of adults in Sub-Saharan Africa had an account in 2024, up from 49% in 2021.[92]
  • 70% of adults in Latin America and the Caribbean had an account in 2024.[92]
  • 73% of women in low- and middle-income countries owned an account in 2024, nearly double the 37% recorded in 2011.[92]

Cultural adaptation in the financial technology industry

  • Three countries—Thailand, Singapore and Malaysia—were enabled for QRIS cross-border payments by August 2024.[93]
  • 31% of U.S. consumers and 30% of European consumers ranked local customer support among the factors affecting cross-border brand choice in dLocal’s 2026 survey.[94]
  • The five Latin American markets in dLocal’s 2025 research represented approximately 80% of the region’s GDP.[94]
  • Five Latin American markets—Argentina, Mexico, Brazil, Chile and Colombia—were surveyed in dLocal’s 2025 regional payments research.[94]

Supplier management in the financial technology industry

  • 72% of surveyed institutions were only partially aware of which vendors used artificial intelligence in 2026.[95]
  • 53% of surveyed financial institutions managed at least 300 vendors in 2025.[96]
  • 18.4% of the 250 leading fintech companies analyzed experienced publicly reported breaches in 2024.[97]
  • 13% of surveyed organizations had no dedicated third-party-risk staff in 2026.[95]
  • 73% of surveyed organizations felt pressure to improve third-party-risk management in 2026.[95]

Stakeholder management in the financial technology industry

  • 62% of adults in low- and middle-income countries made or received a digital payment in 2024.[22]
  • 47% of traditional-institution executives cited ways of working among the top partnership challenges in 2024.[26]
  • 70% of traditional-institution executives cited regulatory challenges among the top partnership challenges in 2024.[26]
  • Digital-payment use among adults in low- and middle-income countries increased by 7 percentage points between 2021 and 2024.[22]
  • 82% of account owners in low- and middle-income countries made or received a digital payment in 2024.[22]

Distribution channels in the financial technology industry

  • 35% of SMEs and 50% of mid-corporates surveyed across North America, Europe and Emerging Asia used a fintech or nontraditional provider for cross-border payments in 2024.[20]
  • 29.9% of surveyed firms used no digital technology for sales channels, according to World Bank firm-level data.[22]
  • 60% of fintechs offered contactless-payment products through partner institutions or merchants in 2025.[98]
  • 30.3% of surveyed firms used advanced digital technology for sales channels, according to World Bank firm-level data.[22]
  • 73% of fintechs partnered with merchants or marketplaces in 2025, up 17% from 2024.[98]

Key questions about the Financial Technology Industry

What is the current size of the fintech market?
Fintech market revenue reached approximately $650 billion globally in 2025. Digital payments are projected to process $37.45 trillion in transaction value in 2026.
How fast is the market growing in 2026?
The market estimate is that global fintech revenue grew about 21% year over year in 2025. The worldwide digital-payments market is forecast to grow at a 4.31% compound annual rate from 2026 to 2031.
Which companies lead the financial technology industry?
Stripe stands out for programmable financial infrastructure because it is used by more than 5 million businesses, while Mastercard is the pick for a global payments network since it operates in more than 220 countries and territories.
Which technology shifts are changing fintech execution?
AI adoption is broad: 81% of surveyed financial-services firms were adopting AI at some level in 2026 globally. Automated decision-making also appears in 55% of AI use cases reported by UK financial-services firms in 2024.
How is investment and deal activity shaping market structure?
Global fintech investment reached $103.1 billion across 2,100 deals in the first half of 2026. Deal volume fell to an eight-year low of 4,719 in 2025 even as total investment rose to $116 billion.
How are regulations and compliance pressures showing up for fintech operators?
The European Union’s Digital Operational Resilience Act has applied since January 17, 2025, introducing ICT-risk and operational-resilience requirements. In the United States, the GENIUS Act was signed on July 18, 2025 and requires full reserve backing for permitted payment stablecoin issuers.
Reference

Cite This Report

This report is designed to be cited. We maintain stable URLs and versioned verification dates. Copy the format appropriate for your publication below.

APA
Marcus Afolabi. (2026, February 13). Financial Technology Industry Statistics. Gitnux. https://gitnux.org/financial-technology-industry-statistics
MLA
Marcus Afolabi. "Financial Technology Industry Statistics." Gitnux, 13 Feb 2026, https://gitnux.org/financial-technology-industry-statistics.
Chicago
Marcus Afolabi. 2026. "Financial Technology Industry Statistics." Gitnux. https://gitnux.org/financial-technology-industry-statistics.

Sources & references

113 sources cited across this report

  1. jbs.cam.ac.uk
  2. bankofengland.co.uk
  3. capstonepartners.com
  4. public-workato-files.s3.us-east-2.amazonaws.com
  5. apqc.org
  6. teksystems.com
  7. higherlogicdownload.s3.amazonaws.com
  8. ec.europa.eu
  9. oecd.org
  10. fintech.global
  11. mixpanel.com
  12. assets.ey.com
  13. riverbed.com
  14. anomalo.com
  15. kpmg.com
  16. informatica.com
  17. utah.ismworld.org
  18. companiesmarketcap.com
  19. sec.gov
  20. mckinsey.com
  21. ftpartners.com
  22. documents1.worldbank.org
  23. svb.com
  24. cbinsights.com
  25. 166442.fs1.hubspotusercontent-na1.net
  26. web-assets.bcg.com
  27. centralbanking.com
  28. teampcn.com
  29. techsingadv.com
  30. hkdca.com
  31. singaporefintech.org
  32. newsroom.cisco.com
  33. survey.stackoverflow.co
  34. computerworld.com
  35. gallup.com
  36. adb.org
  37. salesforce.com
  38. downloads.ctfassets.net
  39. crif.digital
  40. a.storyblok.com
  41. risk.lexisnexis.com
  42. jdpower.com
  43. insight-hs.vericast.com
  44. tillo.com
  45. dupple.com
  46. cbaionline.com
  47. digitalbankingreport.com
  48. accuracast.com
  49. promodo.com
  50. manuals.plus
  51. time.com
  52. cdn.pathfactory.com
  53. emarketer.com
  54. kantar.com
  55. reddit.com
  56. business.linkedin.com
  57. toprankmarketing.com
  58. brand-news.it
  59. content-archive.fast-edgar.com
  60. d15fjz85703yz4.cloudfront.net
  61. ir.nayax.com
  62. engage.usbank.com
  63. oxfordeconomics.com
  64. financialfilings.com
  65. jpmorgan.com
  66. luenendonk.de
  67. whitelane.com
  68. flagshipadvisorypartners.com
  69. d18rn0p25nwr6d.cloudfront.net
  70. fintel.io
  71. neobase.co
  72. bancaditalia.it
  73. thelaunchindex.com
  74. info.amplitude.com
  75. amplitude.com
  76. 20926581.fs1.hubspotusercontent-na1.net
  77. alchemer.com
  78. ftassociation.org
  79. centerforfinancialinclusion.org
  80. fintechacademy.cs.hku.hk
  81. thetaray.com
  82. investors.fico.com
  83. juniperresearch.com
  84. mdpi.com
  85. fintech-index.com
  86. alloy.com
  87. gtia.org
  88. isc2.org
  89. cdn.sypher.eu
  90. pagerduty.com
  91. elibrary.imf.org
  92. worldbank.org
  93. bi.go.id
  94. dlocal.com
  95. bankingjournal.aba.com
  96. assets.alm.com
  97. securityscorecard.com
  98. pymnts.com
  99. statista.com
  100. gsma.com
  101. investors.globalpayments.com
  102. eur-lex.europa.eu
  103. occ.gov
  104. stripe.com
  105. mastercard.com
  106. revolut.com
  107. investors.robinhood.com
  108. investor.coinbase.com
  109. investors.intuit.com
  110. block.xyz
  111. globalpayments.com
  112. fsb.org
  113. everycrsreport.com