Skip to main content

Fintech 2040: Trajectories for the Evolution of the Fintech Ecosystem

Fraud

Payments

MRC Vegas 2024

Riverty Group GmbH

Oct 31, 2025

Whitepapers

What will the Fintech ecosystem look like in 2040? And what strategies can companies develop to prepare for the coming technological developments?

This question is divided into two interrelated components:

— Creating a Vision for Fintech 2040: What are the key characteristics, structures, and dynamics of the Fintech ecosystem in 2040? How will technological, regulatory, and societal trends shape the future of financial services?

— Strategic Preparedness: What actionable strategies can companies adopt to adapt to and thrive in the Fintech ecosystem of 2040? How can they leverage emerging technologies, address potential risks, and align with evolving consumer and regulatory expectations?

By addressing these questions, this paper develops a forward-looking perspective on the Fintech ecosystem and equips practitioners, researchers, and stakeholders with the insights needed to navigate the complexities of the coming decades. The findings will contribute to both academic discourse and practical decision-making, offering a roadmap for companies to future-proof their operations and remain competitive.

Some content is hidden, to be able to see it login here Login

Tagged:

Blue-tinted background of a man watching a webinar

Host a Webinar with the MRC

Help the MRC community stay current on relevant fraud, payments, and law enforcement topics.

Submit a Request

Publish Your Document with the MRC

Feature your case studies, surveys, and whitepapers in the MRC Resource Center.

Submit Your Document

Related Resources

Mar 13, 2028

MRC Vegas 2028 Join MRC Vegas 2028, the leading fraud prevention and payments event, 16-19 March at ARIA Resort & Casino, Las Vegas. Network with industry leaders and explore cutting-edge solutions in the payment processing space.

Mar 15, 2027

MRC Vegas 2027 Join the global payments and fraud prevention community at MRC Vegas 2027, 15-18 March, at ARIA Resort & Casino. Connect with industry leaders and gain insights to combat fraud and drive payment innovation.

Sep 14, 2026

MRC San Diego 2026 Join us from 14 - 16 September 2026 for MRC San Diego 2025! Exclusively for MRC Members, this event fosters an open environment for honest discussions, in-depth learning, and meaningful connections. This intimate event connects fraud prevention and payments professionals to explore cutting-edge trends, exchange insights, and build stronger strategies for combating fraud and managing payments.

Apr 13, 2026

MRC London 2026 Mark your calendar for MRC London 2026—the premier conference for payments and fraud prevention professionals. Gain exclusive insights from keynote speakers, join expert panels and fireside chats, and connect with global peers through meaningful networking and community engagement.

Nov 05, 2025

Scaling Cross-Border Payments in High-Growth Markets How do you scale compliant, real-time cross-border payments in high-growth but fragmented regions?

Nov 05, 2025

When Bots Behave Like Buyers: How to Gain Control Over Agentic AI Traffic Agentic AI is reshaping how users (and fraudsters) interact with online storefronts. As AI agents generate more traffic, often mimicking human behavior, merchants face a growing challenge: support innovation without enabling abuse.

Nov 05, 2025

Stablecoins: Hype, Hope, and Reality Stablecoins promise faster payments and lower costs, but how much of that is real for merchants today?

Nov 05, 2025

One Metric Solves the Balancing Act Between False Positives and False Negatives Automated actioning with a Machine Learning (ML) model or heuristics is a scalable tool used in the fraud prevention systems of virtually every e-commerce company.

Dec 05, 2023

DataDome - 2023 U.S. Bot Security Report DataDome's new study finds that a staggering 68% of US websites are unprotected against simple bot attacks, highlighting how vulnerable US businesses are to automated online threats. E-commerce sites are particularly exposed.

Aug 11, 2023

2023 UK Bot Security Report 2 in 3 UK Websites Are Unprotected Against Simple Bot Attacks.

Feb 24, 2023

Riverty - Subscription Payments: Consumer Survey
Across 6 Northern European countries, our consumer survey uncovers consumer payment preferences within the subscription economy. Explore the results to get an understanding of how to create customer-centric payment strategies.

Dec 05, 2022

2022 Southeast Asia Digital Commerce Insights While the region’s recovery after a turbulent period is well underway, businesses now find themselves in a more complex environment. How nimble and flexible is your business in adopting new payments to stay on top of market shifts and fraud risks? See how you compare.

Nov 12, 2025

Agentic AI and Fraud: New Frontiers in 2025 Holiday Season Join experts from Spreedly, Forter, and MRC for a discussion on how agentic AI—from autonomous shopping assistants to AI wallets—is reshaping checkout behavior and redefining fraud risk this holiday season.

Nov 12, 2025

Know Your AI: Helping Merchants in the Era of Agentic Attacks This webinar centers on the questions every fraud professional is asking today… how ready are we for AI – from agentic to adversarial?

Oct 29, 2025

From Local to Global: Reducing Complexity in Payments Infrastructure, Presented by Yuno For many merchants, the first step into a new region reveals just how complex payments really are. Each market has unique providers, regulations, and consumer preferences — and scaling across multiple markets quickly multiplies that complexity. Managing these differences often requires patchwork integrations and manual processes that expose merchants to unnecessary risk.

Oct 29, 2025

The Future of Collections: Are VRPs the Smarter, Safer Alternative to Direct Debit? By Acquired.com This 60-minute webinar explores how Variable Recurring Payments (VRPs) are set to transform recurring payments in the debt collection and lending industries. As traditional methods like Direct Debits and CPAs face growing scrutiny due to inflexibility and consumer protection concerns, VRPs offer a more secure, real-time, and user-controlled alternative.

Sep 03, 2025

Payments and Tokenization in Airline Retailing Airlines face mounting payment challenges — from fragmented systems and rising fraud risk to rigid provider dependencies. This ebook offers a clear path forward through payment tokenization. The eBook begins with a Tokenization 101, giving readers a solid foundation in the core principles behind replacing sensitive card data with secure tokens. It then dives into the concept of a universal token vault — explaining how centralized token management enables seamless, secure transactions across all channels and integrations. Finally, it explores how tokenization helps airlines tackle PCI DSS compliance, prevent data breaches, and maintain consistent token formats across direct and indirect sales channels. These capabilities not only reduce operational complexity but also unlock new levels of flexibility and scalability. For any airline looking to future-proof its payment infrastructure, this resource is a must-read.

Jul 24, 2025

Cross-border Payments in Travel: Risks, Rewards and the Road Ahead This exclusive report, produced by PhocusWire in association with Worldline explores the substantial business potential of cross-border travel and highlights key opportunities and challenges for travel companies in payments.

Jun 19, 2025

The common good: Creating an ecosystem of transactional trust Report on consumers and business leaders' preferences for shopping online and sharing data.

Jun 06, 2025

How to Keep Your Customers in a Multi-Acquirer World Our new whitepaper provides actionable insights, including input from industry experts, into how acquirers can better serve merchants through payment orchestration. It also explores the importance of interoperability in payments technology.

View All Resources