Icona di facebookIcona di InstragramIcona del social X

Oliver Camponovo: Banking and Fintech Trends for 2022

16 September 2021
- Di
Tempo di lettura: 3 minuti

OLIVER CAMPONOVO BANKING FINTECH - The epidemic of the coronavirus has expedited the development of digital banking and Fintech. New trends are emerging as the need for digital finance solutions grows and changes to an increased digitalized world and economy. In the banking business, as in other industries, technology is assisting in the acceleration of advances.

If you work in finance or are interested in learning more about anticipating 2022, you've come to the right spot. Oliver Campono with this article examines the top four banking and Fintech trends for the next year.

 Oliver Camponovo: Top 4 Banking and Fintech Trends for 2022

  • Financial Decentralization

Decentralized finance is a popular topic that is gaining support. It focuses on transforming the industry by utilizing emerging technology. Decentralized finance's principal goal is to gain favor. It provides out-of-the-box solutions by operating outside of the traditional financial system.

Intermediaries are eliminated with decentralized finance, and finance is effectively democratized for the majority. Decentralized finance strives to modify and make financing accessible to a large percentage of the population who do not have access to it.

The most excellent part about decentralized finance is that it functions outside of the banking system's strictures. By eliminating investment, payment, and bank intermediaries, it brings financial services to the public. Instead, it uses services backed by a blockchain network to replace them.

Blockchain offers a viable option. It will continue to disrupt the financial ecosystem to assure security and transparency while eliminating the dependency on traditional financial service providers. To operate as the digital middlemen needed to move money, blockchain relies on smart tokens and contracts.

  • Machine Learning and Artificial Intelligence

Artificial intelligence and machine learning are another banking and Fintech trend to be aware of. AI and machine learning have benefited a variety of services, including digital marketing. As a result, it's past time for the financial sector to follow suit.

AI/ML technologies enable businesses to better monitor customer behavior and spot opportunities and abnormalities, from regulatory technology to robot advisers. Future financial actors, such as Fintech firms, will rely on data scalability.

Unlike traditional banks, which handle consumers as a group, Fintech firms offer highly customized, personalized services by merging technology and human abilities in the most effective way possible.

Regulations and policy, algorithmic trading, banking chatbots, and fraud detection are all areas where AI/ML will be helpful. The technology can assist banks because it aids in the fight against terrorism financing and money laundering.

The market for decentralized finance is predicted to rise tenfold over the previous year. Growth has been exponential, implying that it will likely continue for many years to come.

Insurance, financial data, asset management, decentralized exchanges, and lending are projected to be the most affected areas.

  • Predictive Analytics

In addition to those mentioned above, predictive analytics is a banking and Fintech trend that will dominate 2021. Predictive analytics will play a critical role in preventing fraud and strengthening cybersecurity measures as cyber-security remains one of the financial industry's most significant concerns.

New entrants and small businesses can use predictive analytics to gain an advantage over larger enterprises. Predictive analytics uses machine learning, algorithms, and big data to analyze and assess the likelihood of future events based on client behavior.

The future of data science will be powered by predictive analytics. Fintech companies are using technology to achieve scalable, efficient, and cost-effective results.

Predictive analytics also aids the industry in improving customer experience, identifying methods for staff to provide value, and streamlining operations.

Predictive analytics can handle a variety of tasks, including capacity modeling. Predictive analytics will continue to improve and uncover new ways to detect and address problems before they occur.

  • The Politicization of Financial Health

Finally, the politicization of financial health is unavoidable. It's a growing trend on which more people are concentrating their attention. Because 2020 and 2021 have been difficult for businesses and people alike, financial health will be a significant concern in 2022.

On the other hand, the governments are quickly catching up by demonstrating their commitment to a brighter future. Financial health issues have previously been extensively discussed in the Fintech business. The next year, the focus will be on the low-income class and wealth redistribution.

The financial industry and the government are anticipated to establish new programs to assist clients in gaining access to financial goods to meet everyone's financial needs.

Furthermore, growing difficulties such as job security and an unstable economy are projected to lead to customers demanding their rights. As a result, this year will be full of obstacles.


The banking and Fintech industries are both growing at a breakneck pace. Significant changes will occur next year. There is a lot to look forward to, from the introduction of microservices to the politicization of financial health.

Click here for more info about Fintech

Icona di facebookIcona di InstragramIcona del social X
Copyright @Finanze Investimenti Criptovalute