Banking Trends to Watch in 2025
Banks Look to BaaS, Open Banking, Financial Media Networks, NFC-Enabled Wallets, and Branches for Growth
Top Trends to Watch in 2025
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About This Report
Reeling from 2024’s challenges, financial institutions must embrace bold strategies in 2025 to future-proof their businesses in a landscape plagued by economic, competitive, and regulatory pressures.
Table of Contents
After a turbulent year of rising costs, weak loan demand, and tighter regulations, 2025 will test financial institutions (FIs) like never before. To adapt and thrive, they will reinvent themselves with bold strategies and innovation—or risk falling behind in an ever-evolving landscape.
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Table of Contents
- The BaaS compliance crackdown will shift market power to larger FIs
- Banks will push forward with personalization despite open banking regulatory tensions
- FMN launches will surge as FIs chase ad dollars
- Apple NFC opens doors for wallet competition
- Banks bet big on branches as a growth engine and financial hub
- Sources
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Charts in This Report
Most Sponsor Banks of Fintechs Face Compliance Costs Exceeding $100,000 (% of US sponsor banks that lost money due to compliance violations, by amount, June 2024)Consumers Are Ready to Swap Data for Personalized Marketing and Financial Advice, (% of US mobile banking users, Sep 2024)
FMNs Will Make Up Just a Fraction of Total Ad Spend—but Their Growth Will Be Enormous (billions in US financial media network (FMN) ad spending and % of digital ad spending, 2023-2026)QR Codes Trail App Payments and Tap-and-Pay Among In-Store Mobile Payment Methods (% of US adults who used their phone to pay in-store, Nov 2023)
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Most Sponsor Banks of Fintechs Face Compliance Costs Exceeding $100,000 (% of US sponsor banks that lost money due to compliance violations, by amount, June 2024)
Consumers Are Ready to Swap Data for Personalized Marketing and Financial Advice, (% of US mobile banking users, Sep 2024)
FMNs Will Make Up Just a Fraction of Total Ad Spend—but Their Growth Will Be Enormous (billions in US financial media network (FMN) ad spending and % of digital ad spending, 2023-2026)
QR Codes Trail App Payments and Tap-and-Pay Among In-Store Mobile Payment Methods (% of US adults who used their phone to pay in-store, Nov 2023)
Consumers Still Prioritize Branches When Selecting a New Bank (% of US checking/savings account users, Oct 2024)
Most Sponsor Banks of Fintechs Face Compliance Costs Exceeding $100,000 (% of US sponsor banks that lost money due to compliance violations, by amount, June 2024)
Consumers Are Ready to Swap Data for Personalized Marketing and Financial Advice, (% of US mobile banking users, Sep 2024)
FMNs Will Make Up Just a Fraction of Total Ad Spend—but Their Growth Will Be Enormous (billions in US financial media network (FMN) ad spending and % of digital ad spending, 2023-2026)
QR Codes Trail App Payments and Tap-and-Pay Among In-Store Mobile Payment Methods (% of US adults who used their phone to pay in-store, Nov 2023)
Consumers Still Prioritize Branches When Selecting a New Bank (% of US checking/savings account users, Oct 2024)
authors
Tiffani Montez, Maria Elm, and David Morris
Contributors
- Lauren Ashcraft
- Suzy Davidkhanian
- VP, Content
- Donte Gibson
- Senior Charts Editor
- Amy Rotondo
- Director, US Research
- Matt Torpey
- Senior Chart Editor
- Julia Woolever
- Ali Young
- Senior Copy Editor