64+ Fintech Statistics (2026)
Report Highlights
Wondering where fintech stands today?
Here are the key fintech statistics that matter.
The fintech industry is scaling quickly, driven by increasing AI investment, rapid digital bank growth, and consumers shifting to cashless and online banking. North America still leads, but global expansion and new technologies, such as stablecoins and crypto adoption, are reshaping where the market is headed.
- The global generative AI market in finance is expected to top $12B by 2033, rising from $1.09B in 2023. ()
- Global financial firms are set to spend about $126.4B on AI in 2028, up from $35B in 2023. ()
- Global net interest income for digital banks is projected to hit $2.09T in 2029, up from $1.5T in 2024. ()
- Global deposits at digital banks are on track to reach about $22.62T in 2029, increasing from $15.32T in 2024. ()
- Cashless transactions in the Asia-Pacific region are projected to reach about 1,457.6B in 2028. ()
- The share of US fintech firms with positive net margins rose from 8% in 2022 to 22% in 2025. ()
- North America leads the global fintech market at a value of $112.91B, holding 34.05% of the market. ()
- AI in fintech was worth about $17.69B in 2025 and is expected to reach $51.08B in 2029. ()
- North America’s share of global fintech revenue is projected to fall from 48% to 41% by 2028. ()
- Fintech revenues are expected to grow almost three times faster than traditional banks from 2022 to 2028. ()
- In 2024, over 69% of the US population used online banking. The rate is expected to pass 79% by 2029. ()
- Global payment stablecoins could reach about $3.7T by 2030 under a bullish scenario. ()
- In North America, about one in four CFOs (25%) expect to use cryptocurrencies within two years for investing or making payments. ()
Fintech investment remains strong, but its direction is shifting. The Americas dominate funding, yet deal activity is cooling, and AI now absorbs a growing share of venture dollars, leaving traditional fintech with a smaller piece of the pie.
- The global average fintech deal size is about $13.4M. ()
- The Americas drew in $26.7B in fintech investment in H1 2025, accounting for more than half of global funding. ()
- The US brought in $20.9B of fintech investment across 889 deals in H1 2025, down from $26.7B across 929 deals in H2 2024. ()
- Canada saw fintech funding drop to $1.6B across 60 deals in H1 2025, far below the record $7.5B in H2 2024. ()
- The UK attracted $7.3B in fintech funding in H1 2025, up from $4.8B in H2 2024, making up more than half of EMEA fintech funding. ()
- The biggest fintech deal in H1 2025 was BlackRock's $3.2B buyout of UK-based Preqin. ()
- In 2025, AI-enabled US fintech startups captured 30% of VC dollars, well below the 58% share going to AI companies overall. ()
- Fintech made up over 20% of US VC investment in 2022, but by 2025 its share had fallen to under 10%. ()
Fintech has become an integral part of everyday life, with most Americans using multiple apps and trusting digital payments more than ever. As comfort grows, consumers are branching into lending, crypto, and a wider mix of financial tools, pushing fintech deeper into mainstream finance.
- About 56% of consumers use fintech at least once a week. ()
- 53% of consumers prefer digital wallets, showing strong trust in digital payment security. ()
- In 2025, 53% of consumers reported using multiple fintech products within the past year. ()
- Fintech app use reached 78% in the US in 2025, up 20 points since 2020. ()
- The share of consumers expecting to use six or more financial apps within six months rose to 19% in 2025, up from 14% in 2020. ()
- In 2025, 84% of consumers were comfortable opening a fintech account, the highest level yet and five points higher than in 2023. ()
- 70% of consumers are comfortable sharing financial data with their digital tools. ()
- In 2025, 20% of consumers used fintech lending apps, double the share in 2020. ()
- Crypto ownership reached 34% in 2025, including 43% of Millennials and 45% of Gen Z. ()
- In 2025, 37% of consumers planned to use crypto apps, a seven-point increase from 2023. ()
- 59% of consumers use fintech mainly for personal money transfers. ()
- In 2025, 88% of consumers used payment apps in the past year. ()
Consumers trust fintech because it gives them more control, more transparent pricing, and tools that help them improve their financial lives. Although many people are unfamiliar with the term "fintech," its impact is clear, with most users reporting improved economic outcomes and growing interest in AI-powered financial tools.
- The unbanked rate in the US is about 4%. ()
- Approximately 96% of consumers report being highly satisfied with the fintech products they use. ()
- 79% of consumers say fintech meets their financial needs better than traditional banks. ()
- Roughly 79% of consumers say fintech gives them a stronger sense of control than conventional banking. ()
- 67% of consumers cite transparent pricing as a major driver of trust and transparency in fintech. ()
- Only 33% of consumers say they know the term "fintech." ()
- Of those who are familiar with the term "fintech," 48% tend to be early adopters of new technology. ()
- 61% of consumers say fintech helps them manage economic challenges. ()
- 75% of consumers feel more confident about their money because of fintech. ()
- 88% of fintech users say money-management technology has helped them in a tangible way. ()
- 61% of consumers say economic pressures make them more reliant on digital financial tools. ()
- In 2025, 33% of consumers reported that fintech helped them build a larger nest egg, a six-point increase from two years earlier. ()
- Only 19% of Americans report receiving financial education from their financial or fintech apps. ()
- In 2025, 57% of consumers expected their fintech apps to use AI. ()
- In 2025, 54% of Americans expressed excitement about AI-powered financial tools. ()
- Approximately 74% of consumers believe that fintech makes managing money easier than traditional banks. ()