1、Fintech2025+Trends,technology,and transformation in global 9Market outlook:Cross-border flows headed for$290 trillion 4Sizing the cross-border payments marketIN THE REPORT17Real-time payments33Fraud prevention,security and compliance take center stage24Emerging rails,tokenization and the opportuniti

2、es ahead39Emerging regulatory trends in 2024 and beyond29Data sharing and the open banking revolution 42Fintech 2025+:Navigating the new era 2IntroductionPART IAnalysis of the cross-border payments market in 2024 and beyondPART IIRealizing opportunity in real time:Commercial payment innovation in th

3、e digital ageThe PaypersOana Ifrim,Vlad Macovei,and Mirela Ciobanu,senior editors at The Paypers,a globally recognized banking and fintech publication,played integral roles in the development of the Fintech 2025+report.Leveraging their extensive research and expertise,Oana,Vlad,and Mirela provided v

4、aluable insights into key areas of fintech innovation.Oana specializes in banking and fintech innovation and trends,with a key focus and research expertise on embedded finance and banking-as-a-service.Vlads expertise lies in industries such as open banking and open finance,covering all key developme

5、nts in these areas.Mirela contributes her keen eye for industry trends and a passion for topics like crypto,blockchain,cross-border payments and fraud prevention.Oxford EconomicsLloyd Barton,Head of Thematic Macro Consulting at Oxford Economics,contributed critical market research and analysis to th

6、e Fintech 2025+report.Oxford Economics was founded in 1981 as a commercial venture with Oxford Universitys business college and has become one of the worlds foremost independent global advisory firms,providing reports,forecasts and analytical tools on more than 200 countries,250 industrial sectors a