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1、The next age of fintechAI,digital assets,and new paths to successIn collaboration withApril 2026Confidential and proprietary.Any use of this material without specific permission of McKinsey&Company is strictly prohibited.Copyright 2026 McKinsey&Company.All rights reserved.Cover image J Studios/Getty

2、 Images.All interior images Getty Images.This report is a collaborative effort by Jon Steitz,Max Fltotto,Uzayr Jeenah,and Vikram Iyer,with Edward Allanson,representing views from McKinseys Financial Services Practice,and Nigel Morris,Nick Gasbarro,Amias Gerety,and Adams Conrad from QED Investors.Con

3、tentsKey findings 1Executive summary 2The state of play today 5Four trends reshaping fintech 18New recipes for success 31Acknowledgments 35The next age of fintech:AI,digital assets,and new paths to success$650 billion:total fintech revenues in 2025,representing 4 percent penetration of wider financi

4、al-services revenue pools Approximately$2 trillion:projected fintech market size by 2030 if recent top-line growth rates are sustained More than 40 percent increase in annual capital deployed to fintech since 2023 Five fintechs approaching“centicorn”valuations ($100 billion)More than 50 percent of f

5、intech acquisitions were made by fintechs rather than incumbents or sponsors$35 trillion in stablecoin transaction value in 2025,with just 1 percent related to“true payment”activity 21 applications received for US banking charters in 2025,more than in the previous four years combined 13 percent of f

6、intech revenue generated by“horizontal”playerssoftware firms that help digitize incumbents from the inside outKey findings1The next age of fintech:AI,digital assets,and new paths to successMcKinsey&CompanyQED InvestorsAfter years of turbulence,the global fintech industry has entered a new era define