Getting into 2025, the fintech sector could see founders focus on business-to-business infrastructure solutions, building secured credit products , second-order services on digital public infrastructure (DPI) and deployment of artificial intelligence in the areas of compliance and fraud detection . ET Year-end Special Reads 2024 Rewind: Elections, extreme weather, sporting glories, moments that made history, and heartfelt goodbyes Sensex & Nifty in 2025: Predictions, targets, must-have stocks for the new year From Adani bribery allegations to PayTM Bank ban: Six shocks that rocked India Inc in 2024 If 2024 saw financial regulators cracking down on fintech startups because of regulatory lapses, industry insiders said over the next few months they will focus on automating their compliance business. This is important for fintech startups at a time when compliance is becoming a major cost item for them.
"Leveraging AI-driven tools for real-time fraud detection and adaptive risk management will be key to preserving trust and strengthening the integrity of digital payments," said Akash Sinha, cofounder of Cashfree, a Bengaluru-based online payment aggregator. AI will be increasingly used to speed up the delivery of products, said others. While team sizes might not go down drastically, efficiency will go up as generative AI will be used extensively in coding, marketing, building better sales pitches and such.
"A lot of the drudgery work will go away and marketing executives will get.