{"id":26376,"date":"2022-04-08T09:20:25","date_gmt":"2022-04-08T07:20:25","guid":{"rendered":"https:\/\/www.getsmarter.com\/blog\/?p=26376"},"modified":"2025-12-03T09:54:32","modified_gmt":"2025-12-03T07:54:32","slug":"how-to-prepare-for-future-trends-in-fintech-innovation","status":"publish","type":"post","link":"https:\/\/www.getsmarter.com\/blog\/how-to-prepare-for-future-trends-in-fintech-innovation\/","title":{"rendered":"How to Prepare for Future Trends in Fintech Innovation"},"content":{"rendered":"\n<figure class=\"wp-block-embed is-type-rich is-provider-embed-handler wp-block-embed-embed-handler wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Harvard VPAL FinTech | Course Trailer\" width=\"640\" height=\"360\" src=\"https:\/\/www.youtube.com\/embed\/nZSEIU1Ji5o?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p>Financial services have been innovating and evolving for centuries, with technology as a key driver of change.<\/p>\n<p>Fintech, which stands for financial technology,<sup>1<\/sup> uses innovation to deliver and design financial services. As an emerging industry, it holds a wealth of potential. Today, the fintech industry offers countless opportunities for <a href=\"https:\/\/www.getsmarter.com\/blog\/become-fintech-entrepreneur\/\" target=\"_blank\" rel=\"noopener\">financial entrepreneurs<\/a>.<\/p>\n<p>Over the years, fintech has moved from affecting only technology firms and financial products to disrupting retail, online marketplaces, digital marketing, telematics, small and midsize businesses, and more.<sup>2<\/sup><\/p>\n<p>In 2020, the worldwide value of fintech investments was about $105 billion USD.<sup>3<\/sup> These investments are being poured into various areas of the banking and financial industry, whether that\u2019s into personal finance or in an effort to disrupt traditional services.<\/p>\n<p>Although the areas of investment may be different, what has been made abundantly clear through the fintech revolution is that society is not pleased with the existing financial system.<\/p>\n<p>As a financial professional and business decision-maker, you need the skills to understand and respond to an evolving financial services industry. The <a href=\"https:\/\/www.getsmarter.com\/products\/harvard-vpal-fintech-online-short-course\" target=\"_blank\" rel=\"noopener\">FinTech online short course<\/a> from Harvard\u2019s VPAL, in association with HarvardX, prepares you to critically assess the future of FinTech and the technologies that will have a lasting impact. Learn more about the course and <a href=\"https:\/\/www.getsmarter.com\/blog\/career-advice\/meet-your-classmates-harvard-vpal-fintech-online-short-course\/\" target=\"_blank\" rel=\"noopener\">meet past students here<\/a>, many of whom come from industry-leading companies, including Equifax, Alpine Bank, and Visa Inc.<\/p>\n\n\n\n<p>Fintech trends and evolutions can be split into three categories: the future of money, marketplaces, and infrastructure.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-fintech-future-of-money\">The fintech future of money<\/h2>\n\n\n\n<p>Have you heard of the concept of \u2018invisible banking\u2019? In 2017, Amazon made a plan to launch a cashierless convenience store to the public. Customers were able to go throughout the store, grabbing the items they wanted, and as they exited, they would be automatically charged for their goods. After a 14-month trial, the prototype store \u2018Amazon Go\u2019 opened to the public.<sup>4<\/sup><\/p>\n<p>Customers simply had to download the Amazon Go app on their phone and scan their unique code to be let inside the store. Through sensors and cameras lining the store\u2019s ceiling, customers are charged on the app for every item they take out of the store. The sensors even keep track of what you put back on the shelves, in case you happen to change your mind. In just a short time, the grab-and-go format has thrived. Now, Amazon is teaming up with Starbucks for Starbucks Pickup, built upon the same premise.<sup>5<\/sup><\/p>\n<p>Amazon is just one example of how retail is changing the way we think about money and transactions. Another is digital currencies, such as cryptocurrencies, which have caused major disruption to industries far beyond finance. Compared to this alternative form of money, the current financial model customers use to transfer money is quickly becoming outdated and inefficient.<\/p>\n<p>The uprising of Bitcoin, Ethereum, and mobile payment services like Venmo provides the opportunity to create new global payment networks that are secure, quick, transparent, and easy to use \u2013 ultimately providing better service for all. These innovations have begun to lay a new foundation for money and banking.<\/p>\n<h2>The fintech future of markets<\/h2>\n<p>The fintech revolution has led to an emergence of new marketplaces like financial services for the unbanked. One trend is new payment platforms, specifically relating to mobile banking. This has opened the door for people who previously did not have access to financial services, in emerging markets, in particular.<sup>6<\/sup><\/p>\n<h3>Fintech and small and medium-sized enterprises (SME)<\/h3>\n<p>One of the biggest issues small businesses face is a lack of funding or capital. According to the International Financial Corporation, there is presently a funding gap of more than $5.2 trillion a year for SMEs in emerging markets.<sup>7<\/sup><\/p>\n<p>But funding aside, the challenge of inaccessible banking still needs to be addressed. Around the world, there are 1.7 billion people who don\u2019t have access to a bank account.<sup>8<\/sup> Fintech is able to bridge this gap.<\/p>\n<h3>Fintech and crowdfunding<\/h3>\n<p>A second emerging marketplace with the potential to aid SMEs is crowdfunding or peer-to-peer lending. These fintech platforms offer the opportunity to further financial inclusion on a global scale. Crowdfunding can be described as the method of financing (an SME, in this case) by gathering small amounts of donations from a large number of willing individuals or legal entities.<\/p>\n<p>Crowdfunding is interesting in that it bypasses traditional financial third parties by using online web-based platforms to connect the potential SME with the funders \u2013 often through the use of their mobile device. The idea of joining people with money to those without money is not new. What differs is the use of fintech to make this process exceptionally easier and accessible to a much larger group of people.<\/p>\n<h2>The fintech future of infrastructure<\/h2>\n<p>The fintech revolution has radically changed the infrastructure of financial services. This infrastructure can be described as the system enabling transactions and the regulation of these movements. Banks are no longer the only ones in control of the movement of your money. Customers are now demanding that this become their role. Instead of simply maintaining the traditional financial infrastructure, it needs to be overhauled in order to keep up with the rapid changes, opportunities, and challenges brought on by fintech.<\/p>\n<p>Older computing systems that haven&#8217;t been updated are specifically an issue for large banks that cannot simply update the infrastructure, but need to replace it, which can become a costly mission. That\u2019s where fintech could help to transform and optimize <a href=\"https:\/\/www.getsmarter.com\/products\/university-of-toronto-fintech-future-of-payments-online-program\" target=\"_blank\" rel=\"noopener\">the future of systems and payments<\/a>.<\/p>\n<h2>How to identify and leverage fintech opportunities<\/h2>\n<p>Disruptive technology is, by definition, difficult to predict \u2013 it displaces established technology with groundbreaking innovation. But the future of fintech offers many opportunities for businesses, governments, and greater society. As you identify potential fintech opportunities, ask yourself these questions:<\/p>\n<ul>\n<li>Is there a gap in the market, or does an existing service require improvement to meet an industry need?<\/li>\n<li>Does the new technology improve its niche in the industry, or does it merely add bells and whistles that consumers and professionals don\u2019t actually want?<\/li>\n<li>What kind of structural or regulatory changes are needed to support implementation of this fintech?<\/li>\n<\/ul>\n<p>By asking these three questions, and looking for unique ways to meet an industry need, entrepreneurs and finance professionals can assess trends in their earliest stages, and leverage innovation to augment their own business strategies.<\/p>\n<p><strong>Learn more about fintech innovation and future trends with an online short course.<\/strong><\/p>\n\n\n\n<div class=\"related-programme-block\">\n<div class=\"related-programme\" onclick=\"window.open('https:\/\/www.getsmarter.com\/products\/harvard-vpal-fintech-online-short-course', '_blank')\">\n    <div class=\"row\">\n        <div class=\"col-12 col-md-11\">\n            <div class=\"related-programme__school-logo-container\">\n            <a href=\"https:\/\/www.getsmarter.com\/universities\/harvard-university\" target=\"_blank\" class=\"related-programme__school-logo-link\">\n                <img decoding=\"async\" src=\"https:\/\/www.getsmarter.com\/blog\/wp-content\/uploads\/2018\/11\/HAR_VPAL_black_variant.png\" alt=\"School Logo\" class=\"related-programme__school-logo\">\n            <\/a>\n            <\/div>\n            <div class=\"related-programme__copy\">\n            <a href=\"https:\/\/www.getsmarter.com\/universities\/harvard-university\" target=\"_blank\" class=\"related-programme__school-name\">\n                HARVARD'S VPAL            <\/a><br>\n            <a href=\"https:\/\/www.getsmarter.com\/products\/harvard-vpal-fintech-online-short-course\" target=\"_blank\" class=\"related-programme__programme-name\">\n                FinTech online short course            <\/a>\n            <\/div>\n        <\/div>\n        <div class=\"col-md-1 related-programme__chevron-column\">\n            <div class=\"related-programme__icon-container\">\n                <img decoding=\"async\" class=\"add-btn\" src=\"https:\/\/www.getsmarter.com\/blog\/wp-content\/themes\/blog\/assets\/icn_arrow-circle_right.svg\" alt=\"Read More Icon\">\n            <\/div>\n        <\/div>\n    <\/div>\n<\/div>\n<\/div>\n\n\n\n<div id=\"accordion\">\n<div class=\"card\">\n<div id=\"headingOne\" class=\"card-header\">\n<h6 class=\"mb-0\"><button class=\"btn\" style=\"background-color: transparent;\" data-toggle=\"collapse\" data-target=\"#sources\" aria-expanded=\"true\" aria-controls=\"sources\"> <strong>Click here to view sources<\/strong> <\/button><\/h6>\n<\/div>\n<div id=\"sources\" class=\"collapse\" aria-labelledby=\"headingOne\" data-parent=\"#accordion\">\n<div class=\"card-body\">\n<ul class=\"mx-0\" style=\"list-style: none;\">\n\n<li class=\"mb-4\"><sup>1<\/sup> Kagan, J. (Aug, 2020). \u2018Financial technology \u2013 fintech\u2019. Retrieved from <a href=\"https:\/\/www.investopedia.com\/terms\/f\/fintech.asp\" target=\"_blank\" rel=\"noopener\"> Investopedia<\/a>. <\/li>\n\n<li class=\"mb-4\"><sup>2<\/sup> Feyen, E., et al. (July, 2021). \u2018Fintech and the digital transformation of financial services: \u2018Implications for market structure and public policy\u2019. Retrieved from <a href=\"https:\/\/www.bis.org\/publ\/bppdf\/bispap117.pdf\" target=\"_blank\" rel=\"noopener\"> BIS<\/a>. <\/li>\n\n<li class=\"mb-4\"><sup>3<\/sup> (Sep, 2021). \u2018Value of investment in fintech worldwide in 2020, by region\u2019. Retrieved from <a href=\"https:\/\/www.statista.com\/statistics\/412622\/value-of-global-fintech-investment-by-region\/\" target=\"_blank\" rel=\"noopener\"> Statista<\/a>. <\/li>\n\n<li class=\"mb-4\"><sup>4<\/sup> Day, M. (Jan, 2018). \u2018Amazon Go cashierless convenience store opens to the public in Seattle\u2019. Retrieved from <a href=\"https:\/\/www.seattletimes.com\/business\/amazon\/amazon-go-cashierless-convenience-store-opening-to-the-public\/\" target=\"_blank\" rel=\"noopener\"> The Seattle Times<\/a>. <\/li>\n\n<li class=\"mb-4\"><sup>5<\/sup> (Nov, 2021). \u2018Starbucks opens its first cashierless location in New York City, in collaboration with Amazon Go\u2019. Retrieved from <a href=\"https:\/\/www.cbsnews.com\/news\/starbucks-amazon-go-pickup-store-nyc\/\" target=\"_blank\" rel=\"noopener\"> CBS News<\/a>. <\/li>\n\n<li class=\"mb-4\"><sup>6<\/sup> Chittock, L. (Oct, 2021). \u2018Emerging markets leapfrog into digital banking\u2019. Retrieved from <a href=\"https:\/\/www.forbes.com\/sites\/migombank\/2021\/10\/04\/emerging-markets-leapfrog-into-digital-banking\/?sh=17cd6b35210d\" target=\"_blank\" rel=\"noopener\"> Forbes<\/a>. <\/li>\n\n<li class=\"mb-4\"><sup>7<\/sup> (Nd). \u2018Small and medium enterprises (SMEs) finance\u2019. Retrieved from <a href=\"https:\/\/www.worldbank.org\/en\/topic\/smefinance\" target=\"_blank\" rel=\"noopener\"> The World Bank<\/a>. Accessed December 3, 2021.<\/li>\n\n<li class=\"mb-4\"><sup>8<\/sup> (Jun, 2021). \u2018World Bank: 1.7 billion people around the world don\u2019t have bank accounts\u2019. Retrieved from <a href=\"https:\/\/www.yahoo.com\/now\/world-bank-1-7-billion-152239354.html\" target=\"_blank\" rel=\"noopener\"> Yahoo!<\/a>. <\/li>\n\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Financial services have been innovating and evolving for centuries, with technology as a key driver of change. Fintech, which stands for financial technology,1 uses innovation to deliver and design financial services. As an emerging industry, it holds a wealth of potential. Today, the fintech industry offers countless opportunities for financial entrepreneurs. Over the years, fintech [&hellip;]<\/p>\n","protected":false},"author":74,"featured_media":45590,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[1],"tags":[128,120],"article-format":[],"class_list":["post-26376","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-career-advice","tag-finance","tag-systems-technology"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How to Prepare for Future Trends in Fintech Innovation | GetSmarter Blog<\/title>\n<meta name=\"description\" content=\"Financial technology is set to shape the future of finance. Understand its impact on money, markets, and infrastructure to stay ahead of the competition.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.getsmarter.com\/blog\/how-to-prepare-for-future-trends-in-fintech-innovation\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Prepare for Future Trends in Fintech Innovation\" \/>\n<meta property=\"og:description\" content=\"Financial technology is set to shape the future of finance. 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