BCG & FTP：2026年全球金融科技报告（第四版）：从行业复苏迈向全面回暖（英文版）-三个皮匠报告

1、FINANCIAL INSTITUTIONSGLOBAL FINTECH REPORT 20264TH EDITIONFrom Recovery to Resurgence June 202603 Key Highlights04 Introduction05 The State of Fintech:From Recovery to Resurgence11 Seven Trends That Will Shape the Industry36 Now What?Calls to Action38 Conclusion39 About the AuthorsContentsFROM RECO

2、VERY TO RESURGENCE 3Total global fintech revenue surpassed half a trillion dollars,achieving record highsGlobal fintech revenues continued to show strong growth at 22%,with trading and investments and deposits leading the pack with about 38%and 30%YoY growth,respectivelyAverage EBITDA margin improve

3、ment for the largest public fintechs from 2024 to 2025Fintech equity funding in 2025,up 53%year over year as investor appetite returned,albeit selectivelyShare of global banking and insurance revenue pools penetrated by fintechs,with large,untapped opportunity in B2B verticalsThe fintech revenue gro

4、wth rate was more than four times greater than that of incumbentsNumber of global fintech IPOs in 2025,up 50%year over yearObserved uplift in developer productivity at fintechs using AIDigital asset market capitalization growing,with crypto at$3 trillion,stablecoins at$300 billion,and tokenized real

5、-world assets at$30 billion Share of stablecoin holdings tied to crypto trading,underscoring how concentrated digital-asset adoption remains today$504B 22%4%4x400bps$58B5x$3T65%42Key Highlights4 BOSTON CONSULTING GROUP +FT PARTNERSAfter several years characterized by market correction,capital scarci

6、ty,and skepticism concerning the durability of many business models,the fintech sector showed strong revenue growth of 22%in 2025.Global fintech revenues surpassed half a trillion dollars and grew over four times as fast as incumbent revenues.Growth has returned,but in a new form.The fintech sector

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