Fintech - Blog de JuicyScore

JuicyScore ayuda a las empresas fintech en México a gestionar el riesgo y mejorar la calidad de la originación de préstamos, incluso con tráfico inestable.
La segmentación efectiva y el filtrado de solicitudes de alto riesgo brindan una base sólida para un crecimiento sostenible.

Mexico3_for site.png

The rapid development of digital finance in Mexico has made the market especially attractive for innovative players. However, new companies—especially those operating for less than a year—struggle to compete with more established players. Many lack a mature antifraud infrastructure, and the fast-changing market demands rapid adaptation. To stay competitive and ensure sustainable growth, it’s critical to identify high-risk segments early and minimize losses during business scaling.

JuicyScore has become a key tool for several fintech companies in Mexico processing 15,000 to 30,000 applications per month. It enabled them to identify weaknesses in incoming traffic and rapidly build an effective risk assessment system, including high-risk traffic filtering — without complex or costly in-house development.

## High Volume – Low Transparency

A major challenge was unstable traffic quality. A significant portion of applications came from foreign IPs and masked network setups, including VPNs and proxies. This type of traffic exceeded typical market levels by 50–300%, and the device/network configurations signaled attempts to obscure real digital footprints, which impacts both risk levels and collection prospects.

Device quality scores — based on JuicyScore’s proprietary methodology — were 40% lower than the market average. This directly affects credit risk, re-loan conversion, and the ability to achieve sustainable unit economics.

## Technical Anomalies & Repetitive Traffic

The unstable traffic flow also featured a high share of technical anomalies, emulators, and randomizers.
Reuse of devices and IP addresses was 50%+ higher than the market norm.

Additionally, many loan applications were submitted from identical digital environments — often used across multiple lenders — but rarely led to actual loan approvals. This indicated the presence of low-quality, recycled traffic.

## Solution: Risk Segmentation with JuicyScore

JuicyScore helped clients implement precise filtering of high-risk applications using a combination of behavioral and technical attributes:

- Thresholds combining behavioral markers and low-quality device indicators
- Flags for poor network infrastructure paired with suspicious device behavior
- Session clones, browser anomalies, language settings
- High volume of short-term loan requests + volatile device parameters
- Battery behavior markers
- Risky IP usage types
- Key variables included frequency metrics, battery behavior analytics, and IP type profiling.

## Results: Risk Control & Improved Efficiency

JuicyScore enabled young alt-lending companies to significantly improve the quality of incoming traffic and gain better control over early-stage risks.

Outcomes included: detection of up to 5% of loans with 2x+ elevated risk. This allowed clients to reduce portfolio risk, increase re-loan conversion, improve unit economics for new borrowers, and scale operations without proportional growth in losses.

Portfolio analysis over time showed:

- Higher average revenue per borrower due to lower default rates
- More flexible product targeting based on behavioral and technical segmentation

JuicyScore proved to be a lightweight yet powerful antifraud solution that helped young lenders build robust risk strategies without heavy infrastructure investments — strengthening their market position in a competitive environment.

JuicyScore helps fintech companies in Mexico manage risk and improve loan issuance quality, even with unstable traffic. Effective segmentation and filtering of high-risk applications provide a solid foundation for sustainable growth.

How JuicyScore Drives Fintech Growth in Mexico

Cómo JuicyScore impulsa el crecimiento fintech en México

El sector fintech está transformando rápidamente la industria: las billeteras digitales y los pagos sin contacto se están consolidando como el nuevo estándar, con ingresos de mercado proyectados en 2,3 billones de dólares para 2028. Descubra lo que depara el futuro para este mercado.

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O ecossistema fintech está evoluindo em um ritmo sem precedentes, impulsionado por inovações tecnológicas e mudanças nas preferências dos consumidores, à medida que as pessoas optam cada vez mais por soluções de pagamento digitais em vez do dinheiro em espécie. As carteiras digitais, os pagamentos por aproximação e outras ferramentas financeiras digitais estão se tornando o novo padrão, impulsionando o crescimento da indústria global de pagamentos.
Segundo o relatório BCG Global Payments de 2024, embora o crescimento geral do setor de pagamentos deva desacelerar — com previsão de queda de 9% para 5% de CAGR até 2028 —, o setor continua no caminho para atingir 2,3 trilhões de dólares em receita. Os investidores estão cada vez mais atentos ao potencial econômico do setor, criando um ambiente competitivo impulsionado pelas inovações fintech.

![Revenue Fintech 2024 to 2028.jpg](/uploads/Revenue_Fintech_2024_to_2028_dde0764911.jpg)

## O papel da IA na transformação dos mercados financeiros

Uma nova tendência está surgindo no fintech moderno: a rápida adoção da inteligência artificial em praticamente todas as áreas do setor. A IA está sendo aplicada em um número crescente de tarefas, desde a automação de processos de atendimento ao cliente — melhorando significativamente a qualidade da interação — até a otimização da gestão de riscos e a implementação de sistemas avançados de prevenção à lavagem de dinheiro (AML). Além disso, a IA acelera o desenvolvimento de software ao automatizar a criação de códigos básicos e melhorar a qualidade do código. Em um nível mais estratégico, as empresas estão desenvolvendo soluções personalizadas de IA, adaptadas às suas necessidades específicas, impulsionando a excelência tecnológica do setor.
Muitas empresas enfrentam desafios para cumprir as leis locais de proteção de dados e lidar com diferentes níveis de maturidade analítica entre as regiões. Para superar essas barreiras, será essencial investir estrategicamente na integração da IA com foco em resultados mensuráveis. Por exemplo, 60% das empresas na Índia e na China pretendem integrar modelos locais de IA com soluções globais, mas as regulamentações fragmentadas dificultam esse processo. Apesar disso, [iniciativas como o ASEAN Guide on AI Governance estão começando a estabelecer marcos unificados de gestão de IA](https://fintechnews.sg/105896/fintech/fintech-trends-asia-pacific-2025/). **A IA é um dos principais motores de inovação na indústria fintech e continuará sendo nos próximos 2 a 3 anos.**

## O avanço das moedas digitais de bancos centrais (CBDCs)

As moedas digitais oferecem aos governos novas oportunidades de conduzir a política monetária, promovendo maior transparência, segurança e conveniência nas transações financeiras. As moedas digitais emitidas por bancos centrais (CBDCs) também reduzem a dependência do dinheiro físico, acelerando a digitalização econômica. Países como China e Nigéria já lançaram projetos-piloto de CBDCs com o objetivo de promover a inclusão financeira, reduzir custos de transação e modernizar a infraestrutura de pagamentos.

![large_Map_2025_1c49546241.jpg](/uploads/large_Map_2025_1c49546241_9a5726769b.jpg)

Em 2025, espera-se a ampliação dos sistemas financeiros em diversos países (por exemplo, EUA e Suécia, que estão preparando projetos-piloto), impulsionada pelo aumento das iniciativas de pagamentos transfronteiriços. O Fundo Monetário Internacional está estudando ativamente o impacto das CBDCs no sistema financeiro global, enquanto empresas fintech privadas desenvolvem carteiras digitais e infraestrutura para apoiar essas iniciativas.

## As finanças embutidas se consolidam

A integração de serviços financeiros em plataformas não financeiras está ganhando força. Plataformas de e-commerce, redes sociais e mercados SaaS estão incorporando soluções de pagamento, crédito e seguros aos seus ecossistemas, proporcionando aos usuários uma experiência mais fluida e conveniente. Provedores de infraestrutura focados em integração via API também estão se beneficiando, permitindo a implementação mais rápida e econômica de serviços inovadores como seguros in-app e crédito contextual.
Essa tendência simplifica os processos financeiros para pequenas e médias empresas (PMEs), ajudando-as a aumentar a eficiência e reduzir custos. No entanto, as finanças embutidas enfrentam desafios regulatórios e de conformidade. À medida que a demanda por essas soluções cresce, as empresas terão que decidir entre desenvolver soluções próprias, adquirir soluções prontas ou colaborar com fintechs. Espera-se que as parcerias estratégicas predominem, permitindo que as plataformas aproveitem a experiência das fintechs e, ao mesmo tempo, minimizem riscos e custos.

## Cibersegurança: uma prioridade para as empresas modernas

À medida que os serviços financeiros adotam a inteligência artificial em todas as suas operações, eles enfrentam um escrutínio regulatório crescente. Em 2025, novas normas e iniciativas legislativas deverão surgir à medida que os legisladores implementam marcos voltados para a construção de confiança, aumento da transparência e mitigação de riscos de viés e uso antiético da IA. No setor fintech — onde a proteção dos dados dos clientes e das operações financeiras é crítica —, investir em soluções avançadas de cibersegurança está se tornando parte fundamental da estratégia corporativa.
Navegar por esse ambiente legal em constante evolução será um dos principais desafios para bancos e instituições financeiras em 2025 e nos anos seguintes. Além disso, uma tendência crescente na gestão de riscos é o desenvolvimento de uma cultura corporativa de segurança, em que as empresas reconhecem que riscos e fraudes precisam ser geridos de forma eficaz em todos os níveis — organizacional, de colaboradores e de parceiros.

## A expansão das super apps

As super apps integram diversos serviços financeiros — de pagamentos e empréstimos a investimentos e gestão de finanças pessoais — em uma única e conveniente interface. Essas aplicações não apenas tornam as operações financeiras mais acessíveis, mas também economizam tempo do usuário e facilitam a gestão de recursos ao combinar serviços de diferentes setores.
Em 2025, espera-se um crescimento significativo do mercado global de super apps, impulsionado pela demanda dos usuários por soluções “tudo em um”. Grandes players da Europa e do Leste Asiático, como Revolut e Gojek, estão expandindo suas ofertas, intensificando a concorrência e redefinindo o panorama do mercado.

![Super Apps Market Size.jpg](/uploads/Super_Apps_Market_Size_87fa06e7b5.jpg)

## Crescimento dinâmico em parcerias e escalabilidade empresarial

Em 2024, a indústria fintech vivenciou uma tendência de consolidação em vários mercados. No Reino Unido, a queda nas ofertas públicas iniciais (IPOs) e a redução no capital de risco levaram fintechs menores a considerarem propostas de aquisição. Isso gerou uma onda de fusões e aquisições — com a Mastercard concordando em adquirir a sueca Minna Technologies e a Visa comprando a Featurespace, sediada em Londres — ambas à beira da falência.
Parcerias entre startups fintech, bancos, corporações de tecnologia e reguladores estão fomentando ecossistemas nos quais cada participante contribui para elevar a qualidade dos serviços. A escalabilidade permite que as empresas otimizem custos, melhorem operações e expandam para novos mercados. Esses processos não apenas aceleram a inovação, mas também criam modelos de negócios sustentáveis e adaptáveis às rápidas mudanças do setor.

## Avanço contínuo do Open Banking e das APIs

Bancos digitais e a crescente concorrência estão pressionando os bancos tradicionais a adotar tecnologias de IA e APIs — sendo que 44% dos maiores bancos já iniciaram a modernização de suas plataformas. Em 2024, os conceitos de Open Banking continuaram a evoluir globalmente, transformando os serviços financeiros e melhorando a experiência do cliente.
Na Europa e no Reino Unido, as APIs abertas permitiram que terceiros autorizados acessassem contas bancárias sem que os usuários precisassem compartilhar suas credenciais, aumentando a segurança e o controle do consumidor. Enquanto isso, países da região Ásia-Pacífico, como Japão e Austrália, estão implementando padrões de Open Banking, promovendo a inovação em produtos financeiros e ampliando o poder de decisão dos consumidores.
A indústria fintech segue transformando os serviços financeiros ao combinar inovação, acessibilidade e conveniência. Tendências como o crescimento das moedas digitais, a integração da IA, os pagamentos instantâneos e as finanças embutidas estão abrindo caminho para um sistema financeiro mais transparente, inclusivo e sustentável. Apesar dos desafios regulatórios e do ritmo acelerado das mudanças, a colaboração entre fintechs, bancos e parceiros tecnológicos demonstra enorme potencial para criar uma nova era financeira. Em 2025, o fintech não será apenas uma resposta às novas realidades — será o motor da economia global do futuro.

## Evolução contínua das finanças embutidas e dos serviços BNPL

Com o crescimento do e-commerce ([especialistas estimam](https://www.kingsresearch.com/ru/e-commerce-market-149) que as vendas alcançarão US$ 43,32 trilhões entre 2024 e 2031, chegando a US$ 116,86 trilhões até 2031 com uma taxa de crescimento anual composta de 15,23%), a demanda por soluções BNPL também está crescendo — especialmente entre as gerações mais jovens, que têm pouco acesso aos serviços bancários tradicionais. Players importantes como Affirm e Klarna estão adotando estratégias para fortalecer sua posição no mercado. [A Affirm garantiu um acordo de investimento de US$ 4 bilhões com a Sixth Street](https://www.investopedia.com/affirm-forges-usd4b-investment-deal-with-sixth-street-8761080), o que permitirá conceder mais de US$ 20 bilhões em empréstimos nos próximos três anos. [A Klarna, por sua vez, planeja vender sua carteira de crédito “pague em 4” nos EUA](https://www.ft.com/content/9c833360-d3b4-4581-ad27-ccce38ce8d0e) para liberar capital antes de sua aguardada IPO em Nova York. Além disso, a Apple integrou o serviço BNPL da Klarna ao Apple Pay, ampliando o acesso a essas soluções para seus usuários.
Apesar da forte concorrência, as empresas que desenvolvem aplicativos móveis, aprimoram ferramentas de acompanhamento de pagamentos e oferecem soluções de alta qualidade tanto para B2C quanto para B2B tendem a dominar o mercado.

## Grandes players e desafiantes de mercado: nova onda nos nichos

Em 2024, o mercado fintech global presenciou uma competição acirrada entre líderes estabelecidos e novos players determinados a conquistar segmentos de nicho. Empresas de tecnologia como a Amazon iniciaram o desenvolvimento de seus próprios chips de IA para reduzir a dependência de fornecedores dominantes como a Nvidia. Essa iniciativa destaca a determinação dos grandes players em fortalecer sua posição e diversificar sua atuação. Paralelamente, fintechs de nicho continuam apresentando soluções inovadoras e produtos especializados, elevando ainda mais a concorrência e impulsionando o crescimento do setor.

## A nova geração de InvestTech e InsurTech: uma era de colaboração com fintechs

A nova onda de InvestTech e InsurTech marca uma mudança em direção a colaborações mais estreitas com empresas fintech, criando oportunidades para soluções integradas e tecnologicamente avançadas. Essas parcerias aceleram a inovação, permitindo uma adaptação mais rápida às exigências dos clientes e das autoridades reguladoras. Por exemplo, em 2024, a insurtech Bolttech, com sede em Singapura, levantou mais de US$ 100 milhões em uma rodada Série C, elevando sua avaliação para US$ 2,1 bilhões. A rodada foi liderada pelo Dragon Fund do Mitsubishi UFJ Financial Group e pela fintech de crédito Liquidity Group. Os recursos serão usados para expandir ainda mais a presença global da Bolttech, [que já atua em mais de 35 mercados no mundo](https://www.reuters.com/business/finance/singapores-bolttech-valued-21-billion-raises-over-100-million-2024-12-20/).
As plataformas modernas de InvestTech oferecem uma gestão de investimentos mais acessível, enquanto as soluções InsurTech entregam produtos de seguro personalizados, com foco em eficiência e conveniência. Essa colaboração está reformulando os métodos tradicionais e tornando os serviços financeiros e de seguros mais transparentes, acessíveis e centrados no usuário.

## Desenvolvimento contínuo do Open Banking e das APIs bancárias nos principais mercados

O crescimento dos bancos digitais e da concorrência está pressionando os bancos tradicionais a adotarem tecnologias de IA e APIs, sendo que 44% dos maiores bancos já estão em processo de modernização de suas plataformas. Em 2024, o conceito de Open Banking continuou evoluindo globalmente, transformando os serviços financeiros e [aprimorando a experiência do cliente](https://ibsintelligence.com/blogs/how-open-banking-is-transforming-the-financial-world/).
Na Europa e no Reino Unido, as APIs abertas permitiram que terceiros autorizados acessassem contas bancárias sem que os usuários precisassem compartilhar suas credenciais, aumentando a segurança e o controle do consumidor. Na região Ásia-Pacífico — incluindo Japão e Austrália — os governos estão implementando padrões de Open Banking que oferecem aos consumidores mais controle sobre seus dados e estimulam o desenvolvimento de produtos financeiros inovadores. Além disso, projeta-se que a região registre um aumento de 109% nas transações sem dinheiro físico entre 2020 e 2025, impulsionado pelo crescimento do e-commerce e dos pagamentos móveis, [fortalecendo a posição dos bancos digitais](https://fintechnews.sg/105896/fintech/fintech-trends-asia-pacific-2025/).
O setor fintech continua a transformar o mundo dos serviços financeiros, ao combinar inovação, acessibilidade e conveniência. Tendências atuais como o crescimento das moedas digitais, a integração da IA, os pagamentos instantâneos e as finanças embutidas estão abrindo caminho para um sistema financeiro mais transparente, inclusivo e sustentável. Apesar dos desafios impostos pelas barreiras regulatórias e pelas rápidas transformações, a colaboração entre fintechs, bancos e parceiros tecnológicos demonstra um enorme potencial para criar uma nova era nas finanças. Em 2025, o fintech não será apenas uma ferramenta para adaptação a novas realidades — será uma força motriz na definição do futuro da economia global.

O setor fintech está transformando rapidamente a indústria: carteiras digitais e pagamentos por aproximação estão se consolidando como o novo padrão, com projeções de receita de mercado que devem alcançar US$ 2,3 trilhões até 2028. Descubra o que o futuro reserva para esse mercado.

Quais tendências vão moldar o fintech em 2025?

The fintech ecosystem is evolving at an unprecedented pace, driven by technological innovations and changing consumer preferences, as people increasingly opt for digital payment solutions over cash. Mobile wallets, contactless payments, and other digital financial tools are becoming the new standard, fueling the growth of the global payment industry.

According to the BCG Global Payments report for 2024, while the overall growth of payments may slow—projected to decrease from 9% to 5% CAGR by 2028—the industry remains on track to reach $2.3 trillion in revenue. Investors are increasingly focusing on the economic potential of the sector, creating a competitive environment driven by fintech innovations.

![Revenue Fintech 2024 to 2028.jpg](/uploads/Revenue_Fintech_2024_to_2028_dde0764911.jpg)

## The Role of AI in Transforming Financial Markets

A new trend is emerging in modern fintech: the rapid adoption of artificial intelligence across nearly all areas of the sector. AI is being applied to a growing range of tasks, from automating customer service processes, which significantly improves interaction quality, to optimizing risk management and implementing advanced anti-money laundering (AML) systems. Moreover, AI accelerates software development by automating basic code creation and improving code quality. On a higher level, companies are now developing bespoke AI solutions tailored to their unique needs, pushing the industry toward technological excellence.

Many companies face challenges in complying with local data protection laws and navigating uneven analytical maturity levels across regions. To overcome these barriers, strategic investment in AI integration focused on measurable results will be crucial. For example, 60% of companies in India and China aim to integrate local AI models with global solutions, but fragmented regulations complicate this process. Despite these challenges, [initiatives like the ASEAN Guide on AI Governance are beginning to establish unified AI management frameworks](https://fintechnews.sg/105896/fintech/fintech-trends-asia-pacific-2025/). **AI is a key driver of innovation in the fintech industry and will remain so for the next 2–3 years.**

## The Rise of Central Bank Digital Currencies (CBDCs)

Digital currencies offer governments new opportunities to manage monetary policy, enhancing transparency, security, and convenience in financial transactions. Central bank digital currencies (CBDCs) also reduce reliance on cash, accelerating economic digitalization. Countries such as China and Nigeria have already launched pilot projects for CBDCs to improve financial inclusion, reduce transaction costs, and modernize payment infrastructure.

![large_Map_2025_1c49546241.jpg](/uploads/large_Map_2025_1c49546241_9a5726769b.jpg)

In 2025, further expansion of financial systems is expected in several countries (e.g., the U.S. and Sweden, which are preparing pilot projects) due to growing cross-border payment initiatives. The International Monetary Fund is actively studying CBDC's impact on the global financial system, while private fintech firms are developing digital wallets and infrastructure to support these initiatives.

## Embedded Finance Solidifies Its Position

The integration of financial services into non-financial platforms is gaining momentum. E-commerce platforms, social media, and SaaS markets are actively embedding payment, credit, and insurance solutions into their ecosystems, providing users with a smoother and more convenient experience. Infrastructure providers focusing on API integration are also benefiting, enabling faster and more cost-effective deployment of innovative services such as in-app insurance and contextual lending.

This trend simplifies financial processes for small and medium-sized businesses (SMBs), helping them increase efficiency and reduce costs. However, embedded finance faces regulatory and compliance challenges. As demand for these solutions grows, companies will decide whether to build in-house solutions, purchase off-the-shelf ones, or collaborate with fintech firms. Strategic partnerships are expected to dominate, allowing platforms to leverage fintech expertise while minimizing risks and costs.

## Cybersecurity: A Priority for Modern Companies

As financial services increasingly adopt artificial intelligence across all areas of operation, [they face growing regulatory scrutiny](lhttps://www2.deloitte.com/jp/en/pages/financial-services/articles/ins/cyber-regulation-asia-pacific.html). In 2025, new rules and legislative initiatives will emerge as lawmakers implement frameworks aimed at building trust, increasing transparency, and mitigating risks of bias and unethical AI use. In fintech, where the protection of customer data and financial operations is critical, investing in advanced cybersecurity solutions is becoming a fundamental part of business strategy.

Navigating this evolving legal landscape will be a key challenge for banks and financial institutions in 2025 and beyond. Additionally, a major trend in risk management is the development of a corporate security culture, where companies recognize that risks and fraud require effective management at the level of the organization, employees, and partners.

## The Expansion of Super-Apps

Super-apps integrate diverse financial services—ranging from payments and loans to investments and personal finance management—into a single, convenient interface. These apps not only make financial operations more accessible but also save users time and help them manage resources effectively by combining services from various industries.

In 2025, the global super-app market is expected to grow significantly due to user demand for "all-in-one" solutions. Major European and East Asian players, such as Revolut and Gojek, are expanding their offerings, intensifying competition and reshaping the market landscape.

![Super Apps Market Size.jpg](/uploads/Super_Apps_Market_Size_87fa06e7b5.jpg)

## Dynamic Growth in Partnerships and Business Scaling

In 2024, the fintech industry witnessed a trend toward consolidation across various markets. In the UK, declining IPOs and reduced venture funding pushed smaller fintech companies to consider acquisition offers. This led to a wave of mergers and acquisitions, with Mastercard agreeing to acquire Sweden's Minna Technologies and Visa purchasing London-based Featurespace—both on the brink of bankruptcy.

Partnerships between fintech startups, banks, tech corporations, and regulators are fostering ecosystems where each participant contributes to improving service quality. Scaling businesses enables companies to optimize costs, improve operations, and expand into new markets. These processes not only accelerate innovation but also create a sustainable business model that can adapt to the industry's rapidly changing conditions.

## Ongoing Development of Open Banking & APIs

Digital banks and increased competition are pushing traditional banks to adopt AI and API technologies, with 44% of the largest banks already modernizing their platforms. In 2024, Open Banking concepts continued to evolve globally, transforming financial services and improving customer experiences.

In Europe and the UK, Open APIs have allowed authorized third parties to access bank accounts without requiring users to disclose credentials, enhancing consumer security and control. Meanwhile, Asia-Pacific countries, including Japan and Australia, are implementing Open Banking standards, empowering consumers and fostering innovation in financial products.

The fintech industry continues to transform financial services, combining innovation, accessibility, and convenience. Current trends, such as the rise of digital currencies, AI integration, instant payments, and embedded finance, are paving the way for a more transparent, inclusive, and sustainable financial system. Despite challenges posed by regulatory barriers and rapid change, collaboration between fintech firms, banks, and tech partners demonstrates immense potential to create a new era of finance. In 2025, fintech will not only adapt to new realities but also drive the future of the global economy.

## Further Development of Embedded Finance and BNPL Services

With the growth of e-commerce ([experts estimate](https://www.kingsresearch.com/ru/e-commerce-market-149) that sales will reach $43.32 trillion between 2024 and 2031, increasing to $116.86 trillion by 2031 at a compound annual growth rate of 15.23%), the demand for BNPL solutions is also rising, especially among younger generations who lack access to traditional banking services. Major players like Affirm and Klarna are taking strategic steps to strengthen their market positions. [Affirm secured a $4 billion investment agreement with Sixth Street](https://www.investopedia.com/affirm-forges-usd4b-investment-deal-with-sixth-street-8761080), enabling it to provide over $20 billion in loans over the next three years. [Klarna, meanwhile, plans to sell its U.S. "pay in 4" credit portfolio](https://www.ft.com/content/9c833360-d3b4-4581-ad27-ccce38ce8d0e) to free up capital ahead of its anticipated IPO in New York. Additionally, Apple has integrated Klarna's BNPL service into Apple Pay, broadening the accessibility of these solutions for its users.

Despite intense competition, companies developing mobile applications, improving payment tracking tools, and offering high-quality solutions for both B2C and B2B will ultimately dominate the market.

## Strong Players and Market Leader Challengers: A New Wave in Niche Markets

In 2024, the global fintech market saw heightened competition between established leaders and emerging players striving to capture niche segments. Large tech companies like Amazon began developing their own AI chips to reduce dependency on dominant suppliers such as Nvidia. This move underscores the determination of major players to strengthen their positions and diversify their offerings. Meanwhile, niche fintech companies continue to introduce innovative solutions, offering specialized products and services, further intensifying competition and driving the industry's growth.

## Next-Generation InvestTech and InsurTech: An Era of Active Collaboration with Fintech

The new wave of InvestTech and InsurTech marks a shift toward closer collaboration with fintech companies, creating opportunities for integrated and technologically advanced solutions. These partnerships accelerate innovation, enabling faster adaptation to evolving client needs and regulatory requirements. For example, in 2024, Singapore-based insurtech firm Bolttech raised over $100 million in a Series C funding round, boosting its valuation to $2.1 billion. The round was led by Mitsubishi UFJ Financial Group's Dragon Fund and fintech lender Liquidity Group. The funds will be used to further Bolttech's global expansion, [with the company already operating in over 35 markets worldwide](https://www.reuters.com/business/finance/singapores-bolttech-valued-21-billion-raises-over-100-million-2024-12-20/).

Modern InvestTech platforms offer more accessible investment management, while InsurTech delivers personalized insurance products focused on convenience and efficiency. This collaboration transforms traditional approaches, making financial and insurance services more transparent, accessible, and user-oriented.

## Continued Development of Open Banking & Banking APIs Across Key Markets

The growth of digital banks and competition is pushing traditional banks to adopt AI and API technologies, with 44% of the largest banks already modernizing their platforms. In 2024, the Open Banking concept continued to evolve globally, transforming financial services and [enhancing customer experiences](https://ibsintelligence.com/blogs/how-open-banking-is-transforming-the-financial-world/).

In Europe and the UK, Open APIs have allowed authorized third parties to access bank accounts without requiring users to share credentials, improving security and consumer control. In the Asia-Pacific region, including Japan and Australia, governments are implementing Open Banking standards to give consumers more control over their data and foster the development of innovative financial products. Additionally, the region is projected to see a 109% increase in cashless transactions between 2020 and 2025 due to e-commerce growth and mobile payments, [strengthening the position of digital banks](https://fintechnews.sg/105896/fintech/fintech-trends-asia-pacific-2025/).

Fintech continues to transform the world of financial services by combining innovation, accessibility, and convenience. Current trends, such as the rise of digital currencies, AI integration, instant payments, and embedded finance, pave the way for a more transparent, inclusive, and sustainable financial system. Despite challenges posed by regulatory barriers and rapid change, collaboration among fintech companies, banks, and technology partners demonstrates immense potential for creating a new era in finance. In 2025, fintech will not just be a tool for adapting to new realities but a driving force shaping the future of the global economy.

The fintech sector is rapidly transforming the industry: digital wallets and contactless payments are establishing themselves as the new standard, with market revenues projected to reach $2.3 trillion by 2028. Discover what the future holds for the market.

What Trends Will Shape Fintech in 2025?

¿Qué tendencias darán forma al fintech en 2025?

La alta competencia entre las empresas de tecnología financiera y su disposición a la transformación e innovación constantes permiten competir con éxito por el liderazgo en el segmento de préstamos y aumentar la participación de mercado. Los socios confiables ayudan a que este crecimiento sea más sostenible. La empresa internacional fintech ID Finance México (marca MoneyMan: moneyman.com.mx) coopera con JuicyScore, líder del mercado en gestión de riesgos y soluciones antifraude, desde hace aproximadamente 3 años. 

MoneyMan_Logo.png

金融科技公司之间的高度竞争和它们对不断变革和创新的准备使它们能够成功争夺信贷领域的领导地位并增加市场份额。可靠的合作伙伴帮助把这种增长变得更稳定的。国际金融科技公司ID Finance Mexico（品牌 MoneyMan: moneyman.com.mx）与风险管理和反欺诈解决方案市场领先企业JuicyScore合作已经3年了。

与市场上的其他解决方案相比，JuicyScore的优点更为显著： 稳定的ID设备和高信息量的数据向量最终使该解决方案成为公司决策策略不可或缺的一部分。此外，该解决方案还极大地强化了与欺诈风险预防任务和公司评分模型相关的技术堆栈。 

模型中的哪些变量表现更好的？

ID Finance Mexico的风险总监Dmitri Mikolauskas介绍了与JuicyScore合作的经验说，通过将与用户在网站上的行为相关的变量（如鼠标移动距离、鼠标移动速度、停留时间、屏幕空闲时间等）组合加入预测模型，使模型的分辨能力提高了1.4倍。

Dmitri Mikolauskas也表示， 根据A/B测试的结果，包括最新一代JuicyScore数据的预测模型的更新版本显示出显著的效果，成功将新申请的批准率提高了1.5倍，同时保持了风险管理领域的指标不变。

ID Finance集团公司与JuicyScore在墨西哥和其他国家进行合作。 作为高质量的风险管理和反欺诈解决方案， JuicyScore在欧洲和亚洲市场上取得了成功。 其独特特点是设备测量技术，用于创建设备的概率指纹和设备验证，同时不涉及在线用户的直接标识信息处理。JuicyScore公司的解决方案允许更详细地分析在设备级别或在互联网会话范围内出现的风险。

JuicyScore的产品开发经理Alexander Akhlomov认为，尽管拉丁美洲国家的银行贷款市场相对较发达，但仍然有数百万当地居民（包括墨西哥）无法自由获得传统融资产品。ID Finance 公司提供一整套金融产品，旨在扩大金融服务的覆盖范围，以为那些无法获得高质量银行产品的人（unbanked population）或只有有限银行服务的人（underbanked population）提供服务。通过技术的发展和创新产品的推出，该公司为消费者提供个性化解决方案，并在该地区成为市场的领先参与者之一。

不需要存储或处理真实用户的直接标识符的好在哪里？

自然人的直接标识符包括身份证、全名、完整电话号码、完整银行卡号、照片、电子邮件地址等数据，其用于确定个人身份或与用户建立直接联系。尽管公司对IT基础设施进行了巨额投资并采取了组织措施，但不幸的是，直接标识符、联系信息和敏感数据被欺诈分子偷走的情况并不罕见。所有这些情况可能导致信息丢失并对所有参与者造成财务损失。

MoneyMan MX是什么？

ID Finance Mexico是 一家国际金融科技公司，在世界各国提供紧急贷款服务。属于该集团的 MoneyMan 品牌向其客户提供最高为 15,000 墨西哥比索的发薪日贷款（ PDL） 产品，还款期限最长为 90 天。作为拉丁美洲的领先企业，该公司提供另类贷款的产品并解决拉丁美洲地区的金融包容性问题。小额贷款在金融服务市场占有一席之地，而小额金融机构已经成为一个重要机构，能够解决许多社会和经济问题。


金融科技公司之间的高度竞争和它们对不断变革和创新的准备使它们能够成功争夺信贷领域的领导地位并增加市场份额。可靠的合作伙伴帮助把这种增长变得更稳定的。国际金融科技公司ID Finance Mexico（品牌 MoneyMan: moneyman.com.mx）与风险管理和反欺诈解决方案市场领先企业JuicyScore合作已经3年了。


MoneyMan MX与JuicyScore一起将批准率提高了1.5倍

Technological agility helps fintech leaders to stand out from competition and increase the market share. Strong and reliable partners make this growth even more sustainable and significant. ID Finance in Mexico (MoneyMan brand - moneyman.com.mx) has been cooperating with JuicyScore, risk management and antifraud leader, for the last 3 years.

In comparison with other solutions JuicyScore has a number of benefits, such as stable Device ID and highly informative data vector, which allowed JuicyScore to become a part of the Company's decision making strategy. Moreover JuicyScore let to strengthen risk management technological stack and company's scoring models.

## Which variables performed best on being plugged into the model?

Dmitry Mikolauskas, Risk Director at ID Finance Mexico has shared his experience of working with JuicyScore team: “We managed to increase our model separating capacity 1,4 times, adding to the predictive model combinations of variables related to user behaviour on the web-site. For example, cursor distance covered, cursor movement speed, time spent on a web-page, screen idle time, and device quality segmentation.”

Dmitry Mikolauskas also noted “According to A/B test results of the predictive model, which included JuicyScore latest generation technologies, the updated version showed significant effect, which let us to increase new applications approval rate 1,5 times, given that risk management metrics remained at the same level.”

Group of companies ID Finance is currently cooperating with JuicyScore in Mexico and a number of other countries, for JuicyScore had already showed a great performance on the markets of Asia and Europe. JuicyScore distinctive feature is unique devicometry technologies, that help to build probabilistic device fingerprint and device authentication as well as does not store, process or even uses online users direct identifiers. JuicyScore solutions really helps to thoroughly deal with the risks, occuring on a device level or within the frames of an internet session.

Alexander Akhlomov, Chief Product Officer at JuicyScore believes that despite the fact that LatAm bank lending market may be considered to be rather developed, millions of people living in this region still do not have access to traditional financial products. ID Finance offers financial products range designed for financial access improvement of an abundance of the so-called “unbanked” on “underbanked” population - i.e. those people, who do not have access to banking products or have a range of limitations. By means of technological development the company offers tailored solutions for the consumers and has strongly taken place of one of the leading fintechs in the region.

## What are the main advantages of such approach?

Natural persons' direct identifiers include identity document information, full name, full phone numbers, full bank cards numbers, photos, email addresses and other data sources, which allow to directly identify an individual or build a direct system of communications with a user. Despite huge investments of companies in IT infrastructure and organizational measures, in some cases direct identifiers, contacts and sensitive data breach may happen, which usually leads to reputational and financial losses for all the parties.

## About MoneyMan MX

ID Finance Mexico is an international fintech company offering term loans in various countries around the world. The MoneyMan brand, part of the group of companies, offers its customers a PDL product of up to MXN 15,000 with maturities of up to 90 days. The company deals with the issues related to financial inclusion in Latin America, being one of the key players in the region offering alternative lending products.

Technological agility helps fintech leaders to stand out from competition and increase the market share. Strong and reliable partners make this growth even more sustainable and significant. ID Finance in Mexico (MoneyMan brand - moneyman.com.mx) has been cooperating with JuicyScore, risk management and antifraud leader, for the last 3 years.

MoneyMan MX leverages JuicyScore to increase approval rate x 1.5 times

MoneyMan MX aumenta 1.5 veces su tasa de aprobación con JuicyScore

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Fintech - Blog de JuicyScore

A collection of 3 posts

Cómo JuicyScore impulsa el crecimiento fintech en México

¿Qué tendencias darán forma al fintech en 2025?

MoneyMan MX aumenta 1.5 veces su tasa de aprobación con JuicyScore

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