In 2025, fintech success is no longer just about cutting-edge technology. Trust, compliance, and transparency have emerged as critical differentiators for firms navigating complex regulatory environments, growing customer expectations, and financial operations.
Here’s a look at the key non-tech factors shaping fintech growth this year.
Embedding compliance into strategy drives market expansion, partnerships, and reputation protection, with global fintech fines surpassing US$5 billion in 2025.
Clear communication on data use and operations boosts trust, as over 70% of fintech data incidents in 2024 were linked to third-party failures.
Controlled data sharing and governance enhance accountability and competitiveness, highlighted by the UK FCA Open Finance Sprint 2025 as a strategic priority.
A compliance-oriented culture strengthens resilience, with regulators increasingly targeting governance failures rather than just technical faults.
Robust cyber-security and zero-trust frameworks reassure clients, as cyber threats are considered one of the biggest risks to institutional stability and customer trust.
Trust, compliance, and transparency attract investors and partners, particularly important after global fintech investment fell 12% to US$105.9 billion in 2024.
Why Non-Tech Foundation Matter for Freemarket
By embedding strong compliance, clear governance, and transparent practices, Freemarket helps clients scale globally with confidence and stand out in a tightly regulated market.