The 2025 Fintech Shift: Are You Ready for What’s Next?

Download Experian’s State of Fintech 2025 Report to uncover the trends, risks, and strategies shaping the future of financial innovation.

The fintech landscape is evolving faster than ever. After a turbulent 2023, the market is rebounding but not without new challenges. Rising delinquencies, shifting consumer behavior, and regulatory pressure are testing even the most agile fintechs.
This isn’t just a recovery. It’s a reinvention.

Backed by Experian’s proprietary data and market intelligence, this report reveals:

• ✅How fintechs are regaining market share in unsecured personal loans
• ✅The rise of Gen Z and millennial borrowers and what they expect
• ✅Why delinquencies are rising and how to manage risk proactively
• ✅Where growth is accelerating (hint: it’s not where you think)
• ✅Seven strategic imperatives to stronger growth in 2025

Fintech leaders aren’t waiting for the market to stabilize. They’re shaping it. This report gives you the insights to:

• Optimize your credit strategies with alternative and trended data
• Personalize offers at scale using behavioral analytics
• Expand access to credit while managing risk
• Stay ahead of regulatory expectations with transparent decisioning