digital banking

Mandalore Fintech Venture Map 2025

Methodology

This Fintech Venture Map brings together the best fintech maps available online in 2025 to create a clear and insightful overview of the financial technology ecosystem. From the essential infrastructure powering innovation - APIs, cloud computing - to the specialized services shaping the future of finance, including digital banking, payments, insurance, lending, and investment solutions, this map highlights the key players and trends driving the industry forward.

In Brief

The fintech ecosystem, structured like a building, is built on strong regulatory foundations (RegTech) and rises through robust technical infrastructures (APIs & Infra). Between these two pillars, core universal services—Digital Banking, Payments—and specialized services—Insurance, Lending—are interwoven, alongside solutions for businesses, investment, and sustainable finance, forming a comprehensive system serving both individuals and enterprises.

An infrastructure serving the entire ecosystem

At the core of the fintech revolution lies financial infrastructure and APIs, serving as the essential technological framework enabling seamless transactions, data sharing, and financial services innovation. Open banking, cloud computing, and API-driven connectivity empower fintech companies to build next-generation solutions, from digital wallets to embedded finance. Without this backbone, modern financial services wouldn’t be possible.

That  powers the financial services people use every day

Banking & Digital Financial Services - The transformation of banking and digital financial services is the heart of fintech, replacing traditional brick-and-mortar banking with fully digital experiences. Challenger banks, neobanks, and digital-first financial institutions now offer instant account opening, AI-driven financial management, and 24/7 mobile banking services, reshaping how people interact with money.

Payments & Transaction Processing - From mobile payments to cross-border money transfers, payments and transaction processing are the engines of digital commerce. Innovations such as real-time payments (RTP), buy now, pay later (BNPL), blockchain-based transfers, and contactless payments have revolutionized the way consumers and businesses send and receive money, ensuring fast, secure, and frictionless transactions.

These services rely on specialized solutions that address specific needs

InsurTech – A rapidly growing fintech segment, it is modernizing the insurance industry through AI-powered risk assessment, on-demand policies, and automated claims processing. With the rise of embedded insurance and personalized coverage, InsurTech is making insurance more accessible, efficient, and tailored to consumer needs.

Lending & Credit - The lending and credit sector within fintech is revolutionizing how individuals and businesses access financing. Through alternative credit scoring, peer-to-peer lending, and AI-driven loan underwriting, fintech lenders are providing faster, more inclusive, and more flexible financing options compared to traditional banks. Whether it’s personal loans, business credit, or BNPL solutions, fintech is reshaping the lending landscape.

Where all these services converge at the enterprise level

Corporate & Business Finance - At the intersection of fintech advancements, corporate and business finance solutions integrate banking, payments, lending, and investment technologies to optimize cash flow, automate accounting, and support financial decision-making. Fintech tools such as AI-powered financial planning, automated invoicing, and embedded treasury solutions help businesses operate more efficiently and scale with confidence.

Businesses must balance financial performance with responsibility

ESG & Sustainable Finance - As businesses and investors prioritize sustainability, ESG and sustainable finance have become essential components of the fintech landscape. From green bonds and impact investing to carbon footprint tracking tools, fintech is enabling companies and individuals to make financially and ethically responsible decisions.

WealthTech & Investment - Fintech is reshaping investment strategies with WealthTech solutions, making asset management more accessible through robo-advisors, AI-driven portfolio management, fractional investing, and cryptocurrency trading platforms. With lower costs, real-time insights, and algorithmic optimization, WealthTech is democratizing investment opportunities for individuals and institutions alike.

Under the watchful eye of a crucial safeguard

RegTech & Compliance - Fintech’s rapid growth demands robust regulatory technology and compliance solutions to prevent fraud, ensure financial transparency, and meet global regulatory standards. AI-powered KYC, AML, and real-time transaction monitoring are critical to maintaining trust and security in financial services. Without compliance, fintech innovation cannot thrive.

Some Fintech Maps spotted on the web

Web Summit 2022 wrap-up #4: N26, What’s next for digital banking?

Welcome to our series of articles on the recent Web Summit 2022, a premier event in the tech industry. In this series, we will be highlighting some of the most exciting and interesting presentations, panels, and events that took place at the conference. From keynotes by industry leaders to breakout sessions covering the latest trends and developments in technology, there was no shortage of thought-provoking content at this year's conference. We hope you enjoy reading about the Web Summit 2022 as much as we enjoyed attending it!

N26, What’s next for digital banking?

In this session, Maximilian Taynthal, Co-Founder of N26 and Patricia Kowsmann, Finance reporter at The Wall Stret Jounal talk about what the future holds for digital banking, and how neobanks are closing the gap between them and traditional bank.

Web Summit N26

Over the last few years, the rise of the neobank has shown no sign of slowing down, and we're currently in an era of innovation that is reshaping how consumers interact with their banks. 

About N26

N26 is a German neobank founded in 2013. It offers a 100% digital banking experience designed to be simple, transparent, and secure. Actually, N26 has more than 8 million customers.  

If you want to learn more about the company, here is his website: https://n26.com/en-eu

What kinds of banking services do online banks offer?

With online banking, you can transfer money, exchange crypto, make online payment or pay bills via your bank card, and deposit your money. But unlike traditional banks, they can’t give loans. 

Digital banks are well known to offer lower fees so concretely how can online banks be profitable?

By their clients' deposit, banks like N26 can invest in profitable business. They make sure that it’s risk free, so their clients don’t have to worry about anything. 

In the future, digital banks even plan to remunerate their clients by sharing the benefit from their deposit. 

The pandemic situation, inflation, war, ... Did those situations infect digital banking?

It didn’t. It was even positive, digital banks got more revenue. Easy to use, digital banking’s clients can access their bank account just via their online account or via their mobile banking app. So that is the real difference of digital banking with traditional banking, they prioritize customer experience. 

What are online banking challenges?

They want to expand in more countries, get more customers, be more profitable, developpe their products, but their biggest challenge is to be completely independent of external funding! 

 

Feel free to contact us to discuss a partnership or for more information about this article.

Minh Q. Tran, minh@mandalorepartners.com