Only a fraction of firms are fully equipped for AI transformation. This report explores the barriers to adoption, rising startup stars, and how financial institutions can thrive by adapting early. In a time of rapid innovation and shifting global market dynamics, financial services firms are facing unprecedented change. Featuring expert quotes, data-backed insights, and standout startup highlights, this analysis offers an insider’s look into the future of fintech and insurtech.

What to expect?

• Gain insight into 5 game-changing megatrends shaping 2025 and beyond — including fraud prevention, compliance automation, generational wealth transfer, and the rise of embedded finance.

• Find out how VC funding reached $334.4B globally in 2024, with a funding comparison to the peak years of 2021-2022.

• Explore 30+ promising startups in fintech and insurtech, such as Bitstack, Cashmere AI, Penguin AI, Kalipso, and Pruna AI, that are revolutionizing how we invest, insure, and bank.

• See why the US continues to dominate global VC investments, securing nearly 60% of all funding, and why European startups should consider it for expansion.