Fintech 2025: Trends, Investments, and Regulations Shaping the Future

Reflections from the latest event hosted by the Technology Association of Georgia (TAG) Fintech Society.

In my current role, I spend a significant portion of my day interacting with contacts from large financial institutions like banks, payment networks, payment processing entities and/or payment solution providers. Earlier this month, I had the pleasure of attending an event hosted by the Technology Association of Georgia (TAG) Fintech Society, held at the Advanced Technology Development Center (ATDC) offices in Atlanta, GA.

This intimate event drew attendees (100+ persons) representing a broad spectrum of players within the fintech space  (Fintech founders and innovators, investors, consultants, fintech professionals, etc.)

The theme of the event was “Fintech 2025: Trends, Investments, and Regulations Shaping The Future” and featured a panel discussion with the following speakers:

• Jonathan O’Connor, CEO Third-party Payments Officer & Maast, Synovus
• Hans Delly, Managing Director, Slalom
• Jessica Washington, AVP of Research, Federal Reserve Bank of Atlanta
• Jagruti Solanki, Chief Financial Officer, BitPay

The panel provided their own personal thoughts and insight across a wide variety of topics relevant to the Fintech space and participated in an interactive Q&A session with the audience.  Among the topics discussed, were:

• AI/Generative AI (trends and evolution)
• Open Banking (growth and current obstacles)
• Crypto (recent changes, potential expansion of use cases and adoption)
• Operational and Process Considerations (fraud, vendor risk assessment, data analytics and personalization, data ownership, privacy)
• Current Political and Regulatory Landscape (potential impact on growth and innovation)

Based on comments made during the panel discussions, and separately through various individual conversations I had while networking at the event, I would say overall, there is a general optimism around the fintech space currently.

Adoption of ISO20022 (Open API/Open Banking, Cross-Border, Real-Time/Instant Payments) continues to make progress.  IPO, M&A, and equity investment activity within the fintech space appears to be increasing.  Investment and adoption of AI is growing, and institutions are refining models and expanding use case.  Views on digital assets and crypto are trending more positively. Recent changes within the CFPB and the potential easing of regulatory burdens (coupled with a business-friendly administration) points favorably toward increased activity in 2025 and beyond.

The moderator of the event suggested we were poised for a “fintech spring”.  I would agree with that sentiment and can’t wait to see what the remainder of 2025 brings.

Part of the reason Iliad Solutions has been in business for more than 25 years and offers industry-leading payments testing solutions is our dedication to staying informed about issues the sector faces and assisting in their resolution. We can ensure that our testing products continue to best serve the next generation of payment schemes, whether it be through the products we provide or the way we deliver them, by staying up to date on industry developments through events like this.

By assisting our financial institution clients in successfully testing, introducing, and onboarding new payment systems, we enable them to grow in their respective markets.

If I missed meeting you in Atlanta and you would like to hear more about our progressive payment testing solutions, please get in touch.

Mike Packer, Sr. Business Development Director