Investing. The future of fintech companies
1. Microinsurance and capital planning
The next wave of transformations will affect capital management and insurance. One of the common trends will be microinsurance — inexpensive policies for specific risks. For example, Lemonade (USA) already insures rented apartments, property and animals with monthly payments and AI automation. Similar products are already gaining popularity in India and Africa, and may enter the global mainstream in the coming years.
2. Regulators and regulation
Government agencies in various countries are actively promoting the development of fintech solutions. For example, South Korea is easing fintech regulations to stimulate the economy. Singapore is implementing the API Playbook, facilitating the integration of banks and fintech companies. Mexico, Colombia and Brazil have launched ‘regulatory sandboxes’ where companies can test products under a simplified legal regime. This is an opportunity for business and new services.
The next wave of transformations will affect capital management and insurance. One of the common trends will be microinsurance — inexpensive policies for specific risks. For example, Lemonade (USA) already insures rented apartments, property and animals with monthly payments and AI automation. Similar products are already gaining popularity in India and Africa, and may enter the global mainstream in the coming years.
2. Regulators and regulation
Government agencies in various countries are actively promoting the development of fintech solutions. For example, South Korea is easing fintech regulations to stimulate the economy. Singapore is implementing the API Playbook, facilitating the integration of banks and fintech companies. Mexico, Colombia and Brazil have launched ‘regulatory sandboxes’ where companies can test products under a simplified legal regime. This is an opportunity for business and new services.
3. Boom in cashless payments
Contactless payments are becoming commonplace, and banks continue to develop their digital channels and contextual banking, integrating personalised services into people's everyday lives and other services (messengers, marketplaces, apps). For example, digital banks Monzo and Revolut show spending analytics at the point of purchase and provide savings recommendations.
According to McKinsey, by 2028, more than 70% of all retail payments will go through embedded financial services, and the embedded payments market will exceed $7 trillion.
4. Fintech for the over-60s
According to the World Bank, more than $15 trillion in deposits worldwide belong to people over the age of 60.
Fintech companies are already integrating age- and health-related technologies into financial products: pension plans with telemedicine, investment and health management apps, and personalised insurance. For example, PensionBee (UK) combines all pension savings in a single online account and offers flexible management options.
Contactless payments are becoming commonplace, and banks continue to develop their digital channels and contextual banking, integrating personalised services into people's everyday lives and other services (messengers, marketplaces, apps). For example, digital banks Monzo and Revolut show spending analytics at the point of purchase and provide savings recommendations.
According to McKinsey, by 2028, more than 70% of all retail payments will go through embedded financial services, and the embedded payments market will exceed $7 trillion.
4. Fintech for the over-60s
According to the World Bank, more than $15 trillion in deposits worldwide belong to people over the age of 60.
Fintech companies are already integrating age- and health-related technologies into financial products: pension plans with telemedicine, investment and health management apps, and personalised insurance. For example, PensionBee (UK) combines all pension savings in a single online account and offers flexible management options.
Ten years ago, fintech seemed like a niche for start-ups, and mobile banking was a trendy addition to traditional services. Today, fintech sets the rules of the game: major banks copy the solutions of young companies, and investors hunt for projects that yesterday seemed ‘too risky.’ Artificial intelligence, big data, API integrations, and new payment scenarios are changing how we pay, insure ourselves, save for retirement, and even monitor our health.
According to analysts, the global market will grow from $320 billion in 2025 to $653 billion by 2030, with an average annual growth rate of about 15%. Other forecasts are even bolder: up to $1.5 trillion by 2030.
Financial consultants at LLC "EIFOS HUB" suggest discussing five areas of fintech that will be of interest for investment in the coming years.
According to analysts, the global market will grow from $320 billion in 2025 to $653 billion by 2030, with an average annual growth rate of about 15%. Other forecasts are even bolder: up to $1.5 trillion by 2030.
Financial consultants at LLC "EIFOS HUB" suggest discussing five areas of fintech that will be of interest for investment in the coming years.
5. Health as a new asset
Investments from traditional industries are increasingly flowing into biotech and medtech, creating products at the intersection of insurance, investment and health. Companies offer insurance with bonuses for active lifestyles, and investment funds invest in medical technology. Artificial intelligence and data analysis will make it possible to combine insurance, medical monitoring and capital management. According to Deloitte's forecast, the global fintech + health market will exceed $900 billion by 2032. This area will be particularly promising for investors working at the intersection of industries.
LLC "EIFOS HUB". Forecasts and investment trends
To reduce risks and ensure stable income, fintech companies usually combine several revenue models: subscriptions, where customers pay a fixed amount for advanced features (such as Monzo Premium or Revolut Metal); commissions for each transaction (Stripe, Wise); partnership programmes with banks, receiving a share of loans and other services (Tink); and the sale of anonymised data for analytics. Most often, companies combine these models, which makes revenues more stable and reduces risks for investors.
It is expected that by 2030, new players from BigTech and social networks (TikTok, Meta) will enter fintech. M&A — large banks will buy up successful startups.
Fintech. Recommendations for investors
Fintech. Recommendations for business
Investments from traditional industries are increasingly flowing into biotech and medtech, creating products at the intersection of insurance, investment and health. Companies offer insurance with bonuses for active lifestyles, and investment funds invest in medical technology. Artificial intelligence and data analysis will make it possible to combine insurance, medical monitoring and capital management. According to Deloitte's forecast, the global fintech + health market will exceed $900 billion by 2032. This area will be particularly promising for investors working at the intersection of industries.
LLC "EIFOS HUB". Forecasts and investment trends
To reduce risks and ensure stable income, fintech companies usually combine several revenue models: subscriptions, where customers pay a fixed amount for advanced features (such as Monzo Premium or Revolut Metal); commissions for each transaction (Stripe, Wise); partnership programmes with banks, receiving a share of loans and other services (Tink); and the sale of anonymised data for analytics. Most often, companies combine these models, which makes revenues more stable and reduces risks for investors.
It is expected that by 2030, new players from BigTech and social networks (TikTok, Meta) will enter fintech. M&A — large banks will buy up successful startups.
Fintech. Recommendations for investors
- Look for companies with at least two sources of revenue.
- Evaluate not only user growth, but also LTV (Lifetime Value) and retention.
- Keep an eye on companies that successfully use APIs and work in partnership with banks.
- Keep an eye on projects at the intersection of fintech, medicine, and insurance.
- Pay attention to the embedded payments and API finance segments.
Fintech. Recommendations for business
- Invest in microinsurance and health-finance integration platforms.
- Use regulatory sandboxes to test products.
- Develop personalised services with AI analytics.
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