{"id":156,"date":"2022-04-27T10:22:20","date_gmt":"2022-04-27T04:52:20","guid":{"rendered":"https:\/\/test.tntra.io\/blog\/?p=156"},"modified":"2025-02-18T18:42:18","modified_gmt":"2025-02-18T13:12:18","slug":"redefining-fintech","status":"publish","type":"post","link":"https:\/\/www.tntra.io\/blog\/redefining-fintech\/","title":{"rendered":"Redefining FinTech in 2023"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_76 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #c4161d;color:#c4161d\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #c4161d;color:#c4161d\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 eztoc-toggle-hide-by-default' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.tntra.io\/blog\/redefining-fintech\/#FinTech_Evolution_Across_Sectors\" >FinTech Evolution Across Sectors<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.tntra.io\/blog\/redefining-fintech\/#FinTech_Redefined_New_Age_Trends\" >FinTech Redefined: New Age Trends<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.tntra.io\/blog\/redefining-fintech\/#Wrapping_Up\" >Wrapping Up<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.tntra.io\/blog\/redefining-fintech\/#Listen_to_our_latest_podcast_episodes_on_Innovation_FinTech_and_more\" >Listen to our latest podcast episodes on Innovation, FinTech, and more!<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n\n<p>Amplify is an application that makes donations to user-chosen climate causes whenever they purchase from an Amplify partner. It donates two percent of the transaction value to climate action causes like Friends of the Earth, Carbonfund, Rainforest Trust UK, and more. The company has recently launched in the UK and Ireland, supported by the Irish government.<\/p>\n\n\n\n<p>\u201cThe ultimate goal for Amplify is to build a global donation network of sustainable brands and conscious consumers, creating a collective force of climate action,&#8221; he says. &#8220;If we can take the positive impact of every sustainable purchase and amplify it with a climate donation, the impact of conscious consumerism can be taken to an entirely new level,\u201d says Conor O\u2019Laoire, CEO and co-founder of Amplify.<\/p>\n\n\n\n<p>FinTech app development is going beyond e-wallets, digital banking, and online payments. The revolution is here, and it is focusing on a holistic approach to <a href=\"https:\/\/www.tntra.io\/fintech-software-development\" target=\"_blank\" rel=\"noreferrer noopener\">FinTech software development solutions<\/a>.<\/p>\n\n\n\n<p>(Source: <a href=\"https:\/\/theconexusgroup.com\/news\/success-stories-fintech-november-2021\" target=\"_blank\" rel=\"noreferrer noopener\">The Conexus Group<\/a>)<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FinTech_Evolution_Across_Sectors\"><\/span>FinTech Evolution Across Sectors<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Blockchain investments are <a href=\"https:\/\/financesonline.com\/fintech-statistics\/\" target=\"_blank\" rel=\"noreferrer noopener\">expected to rise to 10% of the world\u2019s GDP by 2027<\/a>. While it is still in its infancy, Blockchain is witnessing tremendous growth. Banking, Cryptocurrency, Supply Chain, Retail, etc., are a few places that utilize Blockchain for financial recording and management.\u00a0<\/p>\n\n\n\n<p>Buy Now, Pay Later is the most recently evolving FinTech area. BNPL segment will reach a transaction value of $680 billion by 2025.\u00a0 39.4% of US consumers use the BNPL facility to avoid paying credit card interest, while 38.4% of consumers utilize BNPL to purchase products that don&#8217;t fit their budget.<\/p>\n\n\n\n<p>FinTech services now deliver things that match the traditional financial system, just digitally. It includes P2P lending, crowdfunding, payments, digital banking, and more. However, with advancements in technology, \u201cdigital finance\u201d has also transformed.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/www.tntra.io\/whitepaper\/holy-grail-of-fintech-indiastack-and-beyond\" target=\"_blank\" rel=\"noreferrer noopener\"><img decoding=\"async\" src=\"https:\/\/www.tntra.io\/blog\/wp-content\/uploads\/2022\/07\/whitepaper-cta-blog-bnr.png\" alt=\"Enterprise Modernization - Tntra Whietpaper\" class=\"wp-image-177\"\/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"FinTech_Redefined_New_Age_Trends\"><\/span>FinTech Redefined: New Age Trends<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Many believe digital finance to be the new normal, but the FinTech domain has gone beyond that. It has integrated into areas of insurance, sustainability, lending, investment, and more. Today, the FinTech space is evolving at a rapid pace as consumers move from traditional financial management to digitized products.<\/p>\n\n\n\n<p>But what does FinTech look like now? With the introduction of Artificial Intelligence, Blockchain, AR and VR, and more, FinTech is becoming an interactive experience. The trends that shape FinTech today will modernize how people look at digital finance.<\/p>\n\n\n\n<p><strong>Some of these trends that are redefining FinTech are:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Introduction of the \u201cSuperapp\u201d<br><\/strong>PayTM is a great example of a superapp in India. Alipay and WeChat are other examples in the Asian market. These markets act as an all-in-one portal. They provide FinTech services like payments, lending, insurance, and more. Along with that, these apps offer options for food delivery, ticket booking, appointment scheduling, online shopping, and more. As FinTech expands and transactions integrate, the rise of such superapps is definitely transforming the industry.<br><\/li>\n\n\n\n<li><strong>Gen Z FinTech products<br><\/strong>Banks are now introducing new-age FinTech products for Gen Z since it comprises a majority of the population. Seamless and flexible products like investment schemes, digital funding, and more are allowing banks to reach an audience that has the highest growth potential. As Gen Z wants products on their terms, banks and institutions are modifying products to meet their requirements. There are flexible mutual funds, stock plans, crypto products, etc., that banks are selling to attract the younger generation.<br><\/li>\n\n\n\n<li><strong>Web 3.0 driving FinTech<br><\/strong>Consumers now prefer better ownership of their digital goods. Decentralized finance, or Defi, enables users to transact without any intermediaries. Web 3.0 focuses on driving accessibility, usability, and security to digital finance consumers. And with Blockchain in action, users are open to leaving banks and relying on decentralized methods of finance. Web 3.0 also brings finance closer to individuals and groups once left out of the financial system.<\/li>\n<\/ul>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p><strong><em>Read more: <a href=\"https:\/\/www.tntra.io\/blog\/fintech-companies-cant-stay-away-from-python\/\" target=\"_blank\" rel=\"noreferrer noopener\">FinTech Companies Can\u2019t Stay Away from Python Anymore<\/a>. Here\u2019s Why<\/em><\/strong><\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Wrapping_Up\"><\/span>Wrapping Up<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>While there are challenges that FinTech market adoption faces in 2022, the industry will overcome them due to the large number of Gen Z and informed users available in today\u2019s markets. Crypto exchanges are no more a thing of the past, and investments in Bitcoin are now seen as a secure way to gain high returns. Therefore, as the risk capability of consumers increases, the FinTech industry shapes itself into an industry that is more open to innovative products for simplifying financial transactions and complete digital finance.&nbsp;<\/p>\n\n\n\n<p>Tntra\u2019s FinTech experts and engineers enable FinTech companies to achieve their growth objectives through innovative solutions and digital products. If you are looking to accelerate your FinTech business with a <a href=\"https:\/\/www.tntra.io\/\" target=\"_blank\" rel=\"noreferrer noopener\">software product engineering company<\/a>, <a href=\"https:\/\/www.tntra.io\/contact-us\" target=\"_blank\" rel=\"noreferrer noopener\">consult our experts<\/a> today.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Listen_to_our_latest_podcast_episodes_on_Innovation_FinTech_and_more\"><\/span>Listen to our latest podcast episodes on Innovation, FinTech, and more!   <span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<div style=\"width: 100%; height: 200px; margin-bottom: 20px; border-radius: 6px; overflow: hidden;\"><iframe style=\"width: 100%; height: 200px;\" frameborder=\"no\" scrolling=\"no\" seamless=\"\" src=\"https:\/\/player.captivate.fm\/episode\/a5eef44e-4e51-4063-aa39-460b1455d2fa\"><\/iframe><\/div>\n\n\n\n<p class=\"has-text-align-left\"><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Amplify is an application that makes donations to user-chosen climate&#8230;<\/p>\n","protected":false},"author":2,"featured_media":1099,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-156","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-domains"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.9 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Redefining FinTech in 2023 - Tntra<\/title>\n<meta name=\"description\" content=\"FinTech is evolving as we know it. Today, innovative digital finance solutions attract more consumers as their risk-taking capabilities increase. Read to know more.\" \/>\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.tntra.io\/blog\/redefining-fintech\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Redefining FinTech in 2023 - Tntra\" \/>\n<meta property=\"og:description\" content=\"FinTech is evolving as we know it. Today, innovative digital finance solutions attract more consumers as their risk-taking capabilities increase. 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