The global financial landscape is rapidly transforming, driven by technological innovations and regulatory changes.
A very clear example of this is cryptocurrencies and the notable rise in the price of Bitcoin, which recently exceeded $100,000. But what else is coming in the financial field for this 2025?
Digitalization of finance
Technology is present in almost every aspect of our lives and finance is no exception. Digitalization has profoundly transformed the financial sector, boosted operational efficiency and improved customer experience.
Artificial intelligence (AI) and Big Data are fundamental drivers of this transformation. Financial institutions today use more things to analyze large volumes of data in record time.
For example, now banks are able to offer investment recommendations tailored to the risk profile and financial objectives that their client has. All automatically, quickly and remotely.
Another concrete case of the digitalization of finance is the use of AI-powered chatbots to improve customer service. Offer a virtual assistant that helps people manage their accounts, make transfers and receive
personalized financial alerts, all in an automated and accessible way 24 hours a day.
This does not seem to be stopping, but quite the opposite. All banks are looking for new ways to reach their customers and offer them more services digitally to reduce queues, in-person requests, bureaucracy, streamline processes and grant more freedoms.
Cryptocurrencies
Since the creation of Bitcoin in 2008, cryptocurrencies, for the most part, have only been growing and consolidating as a very important asset class in the financial markets. The growing institutional acceptance and the emergence of clearer regulations have contributed to its legitimization.
As we briefly mentioned in the introduction of this post, the Bitcoin price exceeded the $100,000 barrier. Something that many had been anticipating for several years and that occurred largely due to the election of Donald Trump as president of the United States.
The designation of pro-crypto leaders in regulatory bodies, such as the U.S. Securities and Exchange Commission, has facilitated the creation of legal frameworks favorable to the development of this market.
While cryptocurrencies have an inherent volatility and are still very "young" in market terms, many analysts consider them the future and an asset worth tracking. For the coming year, they are expected to continue to gain strength and continue to conquer markets to become an increasingly accepted currency.
Sustainable investments
Sustainable investment is one based on environmental, social and governance criteria and has gained prominence in recent years. Thanks to the work of many scientists, popularizers and conservation organizations, everything related to sustainability is increasingly discussed in more and more environments, including the financial one.
There are already a large number of investors who are looking for more than just financial returns, but also to generate a positive impact on society and the environment. This approach has led to the development of innovative financial products that integrate considerations with the aforementioned criteria in their investment strategy.
In addition, regulations are constantly changing to promote transparency and accountability in investments, encouraging companies to adopt more sustainable practices. However, the lack of standardization in the measurement and reporting of criteria is still a major problem to be solved in the future.
Adoption of biometric payments
Did we already mention that technology is advancing by leaps and bounds and transforming everything in its path? It is a bit redundant to talk about it again, but we cannot avoid it. Biometric payments are already a reality and everything points to them being the future.
The implementation of biometric authentication systems, such as facial and fingerprint recognition, has already altered security systems, now also digital payment systems.
These methods reduce the dependence on traditional passwords, thus reducing the risk of fraud and improving our shopping experience. But as not all that glitters is gold, although biometric payments will be implemented in more and more places, the collection and storage of such data raise serious concerns about privacy and security.
Migration to the cloud
The last trend we want to talk about is the transition of financial institutions to cloud-based solutions. A trend that arises from the need for flexibility, scalability and cost reduction.
The cloud allows organizations to store and process large volumes of data without the need to have physical space or rather hardware for it, facilitates the implementation of services and improves collaboration.
The main challenge of this trend is to build robust cybersecurity systems that ensure that an external agent is not able to access or even collect the data that is in that cloud.
