The Top FinTech Trends in 2022

The top FinTech trends in 2022

Thus far, 2022 has been a difficult year. Russia invaded Ukraine, which has sent commodity and oil prices soaring; China has locked down its Shenzhen and Shanghai ports, which are some of the busiest in the world, due to rising COVID-19 cases in the country; and global food inflation is skyrocketing, with the Food and Agriculture Organization of the United Nations’ Food Price Index for March climbing to its highest point since 1990.

 Despite the volatility of world markets at the moment, FinTech remains a good investment for venture capitalists. This is largely because of the trends driving the industry forward, which are unlikely to shift over the short and medium terms.

“During 2021, interest and investment in FinTech grew significantly in many regions of the world — its scope broadening well beyond its early definition. This expanding scope, combined with the growing maturity of a number of FinTech subsectors, increasing investment in less mature jurisdictions, and surging corporate interest, is expected to keep investment high as we enter 2022,” says KPMG.

Below are a few FinTech trends to look out for in 2022:


COVID-19-related restrictions and lockdowns resulted in more people staying home. In order for retailers and other businesses to keep their operations afloat, many of these shifted to online ordering and deliveries, which, of course, require online payment systems. As COVID-19 continues, and as consumers are now used to the relative ease involved in online shopping, this trend is likely to continue.

Embedded solutions

A growing number of banks will offer embedded solutions, says KPMG. This means that an increasing number of banks will become service providers to non-financial institutions, “looking to deliver a customer experience or service proposition involving financial services as a component of a larger offering”. This is being driven by consumers’ increasing ease with online shopping and other e-commerce purchases. According to KPMG, increased regulatory oversight will go hand-in-hand with the increase in embedded solutions.

In its article, ‘Six FinTech trends to watch in 2022’, Forbes magazine says that a key part of embedded finance likely to become increasingly popular in 2022 is the buy-now-pay-later (BNPL) option. “On Black Friday [2021], PayPal facilitated around 750,000 BNPL transactions: a 400% increase from 2020.”

Forbes goes on to say that the popularity of BNPL may see the BNPL industry reach $680 billion in transactions in 2025.


With the many opportunities available for FinTech companies and businesses in developing regions, FinTech concerns are likely to increase their footprints in regions such as Africa, Southeast Asia and Latin America., which already has a footprint in many developing countries, will be key to FinTech start-ups launching in these countries, due to its track record for helping FinTech businesses hire the right talent for companies in these regions.

The fall and rise of unicorns

In its article on FinTech trends in 2022, KPMG says that unicorns are likely to lose their “lustre” in developed economies, while remaining an important “building block” in emerging markets. According to PitchBook, investors invested more than $71 billion across 340 unicorn deals in 2021.


As Web3 (the new concept of the worldwide web, which features blockchain, decentralisation, openness and greater user utility) becomes more accessible, according to Forbes, 2022 is expected to be a significant year for blockchain technology. Blockchain offers traceability and security, and is increasingly being used to battle fraud across industries and sectors.

“The benefits of blockchain and the growth of cryptocurrency could also lead to a growing demand for blockchain-as-a-service (BaaS) as companies look for innovative ways to digitise and streamline all areas of their operations,” says Forbes.

AI and machine learning

Artificial intelligence and machine learning are increasingly becoming important in data analysis across sectors. In agriculture, for example, AI and machine learning are being used to record and analyse data to help producers make better-informed production decisions.

In FinTech, AI helps predict consumer behaviour and enables targeted product recommendations, says Forbes. “AI also saves time and effort for businesses by handling customer FAQs through chatbots, which frees up employee time to focus on higher-level tasks and customer service needs.”

As FinTech becomes a more developed industry, it will become more and more important for start-ups to be able to engage with and analyse consumers’ behaviour. However, this takes time and expertise. With AI, however, much of this responsibility can shift from people to machines.

Make 2022 the year for FinTech

COVID-19 has taught consumers that online buying is easy and convenient, and the rise of super apps will mean that e-commerce becomes more accessible for buyers across the globe.

While the trends listed above all aim to make business easier for companies and consumers, it is important that as a FinTech start-up or business, you take control of your future by ensuring that you employ the right people for your business concern. can help with this by taking the lead in the process of recruitment, freeing up your time to focus on business development. As a company is only as strong as the people it employs, it is important that you do not allow this function to take a back seat. The next year will only be as good as you make it!

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