Recognised by Sifted as one of the fastest-growing companies in the EU, Intergiro operates on the principle of resilience by design, enabling our partners to thrive in rapidly changing markets.

As we head toward 2025, three major shifts are emerging on the fintech horizon, each promising to redefine how businesses operate, consumers transact, and markets grow. Here’s where I see the most exciting opportunities ahead.

The European IPO renaissance

2024 marked the beginning of a long-overdue recovery in European IPO markets. Stabilising macro conditions and renewed investor confidence resulted in high-profile listings, particularly in consumer and luxury sectors. This momentum is expected to spill over into 2025, bringing a more diversified IPO pipeline that will include emerging sectors and next-gen fintech players.

What’s driving this shift? Lower interest rates are making fixed income and interest-bearing investments less attractive, especially compared to the US. For founders and fintech leaders, this signals a unique moment to access liquidity, connect with global markets, and lean into the buoyancy of public capital markets. The window of opportunity is clear: those ready to act will ride this wave of transformation, positioning themselves for scalable growth in the public sphere.

Revenge of the cards: cards as dynamic payment tools

It’s time to rethink everything you know about cards. Visa’s latest innovations are proving that cards aren’t just surviving – they’re leading. By 2025, the traditional 16-digit PAN will be much more than an identifier; it will serve as a dynamic "pointer" to a range of payment options – credit, debit, buy-now-pay-later (BNPL), or even crypto.

This shift isn’t theoretical; it’s already happening. Software-enabled cards will allow wallets to auto-select the optimal payment method for each transaction. Buying petrol? The system seamlessly applies your fuel card. Flights? Your Airmiles card is automatically prioritised. This isn’t just a consumer revolution; businesses will also leverage this flexibility to streamline expenses and optimise cash flow. Cards are poised to take centre stage again, becoming indispensable tools in modern payment ecosystems, both B2C and B2B.

Stablecoins: the future of cross-border payments

Stablecoins are where crypto finally meets real-world utility. Combining the speed and efficiency of blockchain with the stability of fiat currency, they’re set to revolutionise cross-border payments. By eliminating high fees and slow settlement times of systems like SWIFT, stablecoins are creating new opportunities for trade, remittances, and global commerce.

As regulatory clarity improves and adoption scales, stablecoins are embedding themselves into financial workflows, enabling businesses to transact across borders more transparently and efficiently. 2025 will likely be the year stablecoins go mainstream, cementing their role as the backbone of a decentralised global payment network. For fintechs, this evolution isn’t optional – it’s a necessity to stay competitive in a more interconnected economy.

The opportunity ahead

Fintech in 2025 will demand bold moves, sharp decisions, and a willingness to embrace the complex. From the resurgence of European IPOs to the reinvention of card technology and the stabilisation of cross-border payments with stablecoins, the opportunity landscape is immense.

At Intergiro, we’ve built our success by staying agile and betting on the right trends at the right time. These predictions are not just forecasts – they’re calls to action for those ready to shape the next chapter of financial innovation.

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