An increased adoption of AI, embedded finance and real-time payments have all been earmarked by Mambu as the top trends within the financial industry for 2025.
Mambu’s Partner Predictions Report for 2025 highlights other influential factors and areas poised to shape the landscape next year and beyond, including incoming regulations and standards, blockchain and innovations within lending.
In collaboration with its global network of partners, Mambu developed its Partner Predictions Report to highlight how banks, businesses, and financial institutions can navigate and thrive amidst disruptive factors such as AI and regulation.
As previously mentioned, Mambu, much like a large majority of the financial industry, anticipates another seismic year for AI adoption as the emerging tech is expected to become more sophisticated.
Mambu believes that AI’s global adoption can help reshape the efficiency and security of transactions for customers, with more sophisticated AI algorithms able to analyse large amounts of data in real-time, drastically reducing the speed of settlement.
Whilst AI-related fraud is a key concern for many within the industry, it can also be used to block potential fraud attacks. Mambu’s report highlights that AI can help aid fraud and detect its incoming threat.
Open Finance was also a hot topic within the report, with the success of credit unions from Sicredi and Unicred highlighted as examples of how Open Finance can help bring forth new services to the market to unlock new growth opportunities.
On Embedded Finance, Mambu anticipates that this surge will continue from 2024 into next year. More and more non-financial companies have taken to Embedded Finance solutions to perform payment capabilities for its customers.
Through automating payments, offering real-time credit options and developing supply chains, Embedded Finance will put control firmly back in the hands of non-financial players, according to the Mambu report.
Anthony Nonnis, Senior Director of Partnerships at Mambu, commented: “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’s annual report shares insights from 23 experts across its extensive partner ecosystem, including Deloitte, Backbase, Marqeta, and nCino.
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.
