Trendspotting with Enfuce: top fintech trends we took home from Money20/20
By Niklas Apellund, Co-Founder and Principal Engineer at Enfuce
At Enfuce, we don’t just follow fintech trends, we help define them. That’s why Money20/20 isn’t just another event on our calendar, it’s a stage to challenge assumptions, drive meaningful conversations, and shape what’s next.
With seven consecutive years at the event and decades of hands-on industry experience, we came ready to engage with global leaders, push boundaries, and share our vision for the future of finance. After three days of bold ideas, sharp insights, and powerful connections, we’re walking away with eight standout trends that are already influencing how we build the next chapter of fintech.
1. A2A payments picking up pace
Account-to-account (A2A) payments are moving into the spotlight, driven by Open Banking and the promise of faster, lower-cost transactions. But while the potential is clear, the path forward is less certain.
Key questions around user experience, scalability, and consumer protection are still very much in play. For A2A to move from promising alternative to mainstream standard, these issues need meaningful, coordinated solutions.
What A2A will ultimately mean for the broader payments landscape is still unfolding, and its success will depend on how well the ecosystem addresses both the promise and the friction.
2. AI goes agentic
If 2024 was the year of integrating AI into operations, 2025 is all about agentic AI: autonomous financial agents that can make decisions, execute transactions, and evolve based on user behavior. AI is no longer a background tool. It’s stepping up as a co-pilot for both consumers and businesses.
And yes, we’re already on it. At Enfuce, we’re seeing AI drive real efficiencies in areas like automated dispute resolution and intelligent transaction monitoring, transforming complexity into speed, insight, and control.
3. Open Banking moves beyond access
Open Banking was everywhere, but the story has changed. It’s no longer about simply enabling access to data. The real momentum is in activation: turning that data into real-time credit decisions, hyper-personalized experiences, and embedded finance that feels effortless.
What stood out? A genuine push toward pan-European standards and deeper ecosystem collaboration. Finally. We’re seeing Open Banking evolve from infrastructure to innovation, and it’s an evolution we’re excited to help lead.
4. Quantum computing: a new frontier in financial security
Quantum computing may not be mainstream yet, but its presence at Money20/20 signals just how fast it’s approaching – with serious implications for the financial industry. Among the most urgent is encryption. Quantum computers will eventually be capable of breaking today’s encryption mechanisms with ease, posing a major threat to data security across banking and fintech.
For fintechs like Enfuce, this raises new challenges, and new opportunities. We’re closely watching the evolution of quantum-resistant security, ensuring we’re ready for a future where speed, power, and protection are redefined.
5. Invisible payments meets experience
Frictionless. Seamless. Invisible. That’s what people expect from payments today, and the bar keeps rising. And Money20/20 made one thing clear: the future of payments isn’t about the transaction itself, but the experience it enables. From embedded checkouts and real-time processing to merchant-first pricing models, payments are quietly shifting into the background, creating smoother, faster, and more human-centered interactions.
At Enfuce, we’re already there. Our cloud-native, modular, and scalable platform is built for this new reality, delivering invisible payments with visible impact.
6. Digital identity: the frontline against fraud
With fraud and deepfakes on the rise, digital identity emerged as one of the most pressing themes at Money20/20. In today’s landscape, identity isn’t just about verification, it’s about designing secure, human-centric experiences that foster real, lasting trust. It’s about creating a financial system that protects, empowers, and includes.
That’s a mission we take personally at Enfuce. It’s exactly why we launched our Fortitude Pledge: a bold commitment to eliminate 100% of financial crime risk from our systems. Because when it comes to protecting people from financial harm, 99% isn’t enough, and we won’t settle for anything less.
7. CBDCs: the regulated reinvention of digital currency
At Money20/20, conversations around Central Bank Digital Currencies were heating up, making it clear that governments are moving beyond theory and rapidly into real-world pilots.
CBDCs promise the benefits of digital currencies, programmable, efficient, real-time money, without the chaos of unregulated crypto. Unlike anonymous, decentralised tokens often exploited for fraud, ransomware, and illicit finance, CBDCs are designed with accountability and stability at their core.They could play a key role in boosting financial inclusion, reducing frictions in cross-border payments, and offering a trusted public-sector alternative to the darker forces currently shaping parts of the crypto ecosystem.
8. Fintech for good: purpose, inclusion, and sustainability
The message at Money20/20 was loud and clear: purpose isn’t a nice-to-have, it’s a strategic imperative. From climate-conscious banking and inclusive design to regulation-fueled ESG innovation, the industry is shifting. Whether B2B or B2C, customers now expect the companies they work with to reflect their values and lead with intention.
At Enfuce, this isn’t new, it’s how we’ve operated since day one. From signing The Climate Pledge and joining the UN Global Compact, to our commitment through the Fortitude Pledge to eliminate 100% of financial crime risk, including human trafficking, terrorist financing and money laundering, from our transactions, ESG principles are built into every layer of our business.
Wrapping up: fintech’s next chapter starts here
Money20/20 was more than a conference, it was where the future of fintech took shape. The next era of fintech won’t be driven by technology alone. It will belong to the companies that lead with trust, innovate with purpose, and connect on a deeply human level.
At Enfuce, we’re already on that path, building the infrastructure, experiences, and ecosystems that bring these trends to life for our partners and the entire industry.
Curious to learn more about the future of payments? Catch up on all our Money20/20 insights and new video series here.
