Fintech AI adoption by application area 2024| ��ƽ��

Artificial intelligence (AI) adoption in the fintech sector worldwide in 2024, by application area

Characteristic	Implemented	Currently implementing	Implementation in the next two years	No planned implementation
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Release date

June 2025

More information

Region

Worldwide

Survey time period

September 17 to December 31, 2024

Number of respondents

717 respondents

Age group

18 years and older

Special properties

data poins, stemming from fintechs that operate in different geographies. The source adds that the same fintech may have responded multiple times, due to separate jurisdictional subsidiaries

Method of interview

Panel survey

Supplementary notes

The survey sample comprises 717 data points collected from fintech firms operating across multiple jurisdictions, as a single firm may have subsidiaries in different regions. In total, 240 fintech companies were surveyed across six key retail-facing business verticals - digital lending, digital capital raising, digital payments, digital banking and savings, insurtech, and wealthtech - and six geographic regions: Asia-Pacific, Europe, Latin America and the Caribbean, Middle East and North Africa, the U.S. and Canada, and Sub-Saharan Africa.

Citation formats

In 2024, customer service emerged as the leading area for AI adoption within the global fintech sector. AI had already been implemented by ** percent of surveyed fintechs, with an additional ** percent in the process of adoption and another ** percent planning to do so within the next two years. Process reengineering and automation followed closely: ** percent had adopted AI in this area, ** percent were actively implementing it, and ** percent had plans to adopt it in the near future.