A robust digital public infrastructure (DPI), consumer demand, and heavy investments have made India the third largest and still growing fintech economy in the world. The Indian fintech sector is projected to exhibit a strong CAGR of 31% between 2025 and 2029 to reach a value of $420 billion with over 3,000 startups. As a fintech and finance marketing agency, staying ahead of industry evolution and identifying emerging trends is paramount to developing impactful strategies for our clients. Dive right in.
Top Trends Shaping Fintech in 2025
2024 proved to be a landmark year for the Indian fintech industry. The RBI and SEBI took the reins, barring unauthorized lenders and banking services providers while tightening brokerage regulations. As a result, caution and innovation with care will remain key themes guiding fintech progress through 2025 and beyond.
Domestic Markets Come into Focus
The largest Indian-origin fintechs are re-shoring to the homeland, given the attractiveness of the domestic market. Groww, for instance, has already domiciled back to India from the US. The industry will see more IPO listings as companies try to strengthen their footing in the country. The rapidly evolving fintech sector and its support for innovation may even attract overseas companies.
Notably, the investment commanded by the sector slid to $2.5 billion in 2024, which was 19% lower than in 2023. This is still the highest across sectors. Investor preference highlights that despite the fintech industry remaining the top preference, the focus has shifted from latent opportunity to profitability. Consequently, funding for late-stage startups or growth companies may remain high, especially in the wealth tech segment.
Sector Matures into a Refined Industry
As Sanjay Malhotra, the new RBI governor, said in his first media interaction, technology and innovation will continue to shape the Indian fintech industry, only with clearer boundaries. The increased oversight may translate into a greater sense of security and trust among end users. The regulatory environment is more predictable and stable now, which means mature fintechs can carve definite paths to success. However, with tighter regulatory guardrails in place, it may get tougher for startups to make their way to the markets. This also means that fintech marketing will have to be strategic and calculated, and misguidance and misinformation will be penalized. Speak to our experts to ensure your fintech’s content strategy remains on point.
AI to Become the Survival and Innovation Elixir
A joint committee of RBI and SEBI is set to work on the “Framework for Responsible and Ethical Enablement of Artificial Intelligence (FREE-AI) in the Financial Sector.” This shows that the regulators recognize the impact and indispensability of AI for the sector. AI, clubbed with analytics, will drive greater personalization and facilitate the proactive development of products and services. The technology also will play a key role in customer services, recommendation and advisory, and user targeting. As customer segmentation shifts from static buckets to behavior-based dynamic and fluid customer groups, your marketing pieces will need to be more precise.
Checkout our Content Writing Tips for Banks and Brokerages in 2025
Major Conglomerates to Establish App Supremacy
As consumer demand for embedded and seamless experiences intensifies, non-finance conglomerates will enter the fintech space with lucrative offerings. Reliance and Adani, for instance, launched JoiFinance and Adani One, respectively, in 2024. Flipkart also introduced its super.money as a lending and UPI payments utility. The banking and financial services sector is already challenged by NBFCs and fintechs, the all-in-one Super-App archetype may make the competition fiercer. Startups could either perceive this as a threat or leverage the opportunity to partner with larger enterprises to access their already established customer bases. To the customer’s delight, the competition may end up driving greater innovation and affordability.
This means exerting brand leadership and forward thinking could be challenge. Choose a content writer with expertise in the challenging BFSI sector.
Wondering how to select the best content writing team for your needs?
Here are some factors to consider while Choosing Content Writers for the BFSI Industry.
Cryptocurrencies to Gain Long Overdue Acceptance
The enthusiasm in the country has positioned India as a leading adopter of cryptocurrencies. Being home to 11.8% of crypto developers and 5.4% of Web3 creators worldwide, and recognition (albeit in the form of tax) from the government, digital asset penetration is set to deepen. Cryptocurrency exchange Binance is working to make trading more secure and robust to encourage user participation. Moreover, the RBI is among the front runners in launching a pilot central bank digital currency (CBDC) in the form of the e-rupee (e₹). On January 28, 2025, MobiKwik, in partnership with Yes Bank, became the first fintech to enable peer-to-peer (P2P) and peer-to-merchant (P2M) transactions via e₹ wallets. More such crypto-enabled wallets may redefine the cross-border payment space in the near future.
While pioneering solutions to make financial services more inclusive and accessible is your forte, establishing your fintech organization’s credibility and thought leadership via exceptional marketing content is ours. Schedule a meeting with our team for an in-depth analysis and creation of your content marketing strategy for the competitive year ahead.
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