PRESS RELEASE
Increased regulation and embedded finance predicted as the top fintech trends for 2025 by Mambu and partners
Actionable insights from Mambu and their partners to stay ahead in the next wave of innovation.
Leading Software as a Service (SaaS) cloud banking platform Mambu, has launched its annual Partner Predictions Report for 2025.
11 December 2024
The report identifies the top trends for 2025 including the increased adoption of AI, embedded finance, and real-time payments. The report also highlights other influential areas poised to reshape the financial landscape including emerging regulations, blockchain, and alternative lending.
In collaboration with its global network of partners, Mambu has developed its Partner Predictions Report to highlight how banks, businesses, and financial institutions can navigate and thrive amidst transformative forces such as artificial intelligence, blockchain and regulation.
Mambu’s annual Partner Predictions report shares insights from 23 experts across Mambu’s extensive partner ecosystem, including Deloitte, Backbase, Marqeta, and nCino. These industry leaders forecast trends alongside Mambu experts that are expected to influence the industry in 2025 and beyond. With both the EU AI Act and Digital Operational Resilience Act on the horizon, businesses looking to innovate using AI or expand into new regions should take a particular interest in how both the increased adoption of AI and new regulations could impact their business operations in the year ahead.
“This year’s partner predictions report highlights the ever-growing need for banks and businesses alike to remain agile.”
“With trends such as embedded finance taking the financial services industry in its stride, remaining nimble and being able to adapt to growing regulations will be paramount. At Mambu, we look forward to these developments and supporting our customers to innovate with ease.
Mambu continues to be at the forefront of innovation and growth in financial services, and this continues to be the case going into 2025. We have an extensive partner ecosystem which we continue to carefully curate in order to give our customers the ability to create the most agile, and modern banking products available.”
Anthony Nonnis
Senior Director of Partnerships at Mambu
The full list of the 2025 predicted trends has been published on Mambu’s website. Here are a few highlights:
- Increased AI adoption: Reshaping financial services
- The sizeable global adoption of AI across financial services is boosting the efficiency and security of transactions for customers, with sophisticated AI algorithms capable of analysing large amounts of data in real-time to identify valuable patterns and anomalies — aiding fraud detection and heightening customer satisfaction.
- Open finance: the backbone of the digital economy
- The success of credit unions such as Sicredi and Unicred in Brazil has shown how open finance can be leveraged to bring new services to market while going beyond regulatory compliance to unlock growth opportunities.
- Embedded finance: Eliminating friction for customers
- Embedded finance will eliminate friction for customers and create endless opportunities for innovation. Through automating payments, offering real-time credit options and revolutionising supply chains, embedded finance will put control firmly back in the hands of non-financial players.
Mambu concludes the year with the acquisition of Numeral, enhancing its ability to deliver a more advanced and readily accessible suite of payment capabilities. With a customer base exceeding 250 organisations worldwide, Mambu is well-positioned to drive further growth and innovation in the payments sector for 2025 and beyond.
© Mambu 2026