Report
State of fintech 2025
Fintechs are currently navigating a dynamic landscape, balancing rapid digital growth and the rise of embedded finance with the need for rigorous risk management and regulatory compliance. To successfully scale in this environment, firms are increasingly leveraging Experian’s advanced software and the Ascend Platform. By integrating high-quality data with purpose-built AI governance, Experian enables fintechs to automate credit decisioning and fraud detection in real time. This technology-driven approach provides the transparency, explainability, and auditability required to deploy sophisticated, agentic AI models with confidence. Ultimately, Experian’s solutions help fintechs transform fragmented workflows into unified, compliant, and highly efficient operations, unlocking sustainable gro
