Greenwich Capital Group：2025年金融科技市场并购年度回顾报告（英文版）（35页）.pdf

1、2025 In Review2025 In ReviewSECTOR M&A SPOTLIGHTSECTOR M&A SPOTLIGHTFinTech Market UpdateFinTech Market UpdateCopyright 2026 Greenwich Capital Group LLC.All rights reserved.FINTECH INDUSTRY UPDATE|2025 2IntroductionAs we look toward 2026,FinTech is no longer defined by isolated categories,but by whe

2、re platforms sit within the financial value chain.Boundaries between banking,payments,lending,and capital markets continue to blur as software becomes infrastructure and infrastructure becomes strategy.Against this backdrop,GCG defines FinTech through the functional roles technology plays across fin

3、ancial workflows,rather than rigid product definitions,and segments the ecosystem into the following core areas:BankTech(B2B):Software platforms and infrastructure supporting banks core operations,including processing,digital channels,compliance,data management,and workflows.These solutions enable m

4、odernization of legacy systems and scalable delivery of regulated banking servicesBankTech(Consumer&Digital Lending):Technology platforms enabling consumer credit origination,underwriting,servicing,and funding.Solutions support traditional and alternative lenders through credit decisioning,loan life

5、cycle management,capital markets connectivity,and regulatory complianceBankTech(Digital Banking):Digital-first banking platforms delivering deposit,payments,and financial services through mobile and web interfaces.These platforms focus on customer engagement,account management,and product distributi

6、on,operating alongside or independent of branch networksCapital Markets Technology(Exchanges&Liquidity):Infrastructure and platforms facilitating market access,price discovery,clearing,settlement,and liquidity provision.Providers operate regulated exchanges,clearinghouses,and market utilities essent