Trends: The Future with Fintechs

Discover firsthand how fintechs will shape the future and what trends are on the horizon.

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Fintechs have revolutionized the banking sector. With the simplification and automation of processes, free from the structures, bureaucracies, and administrative calendars of traditional entities, space opens up for a new paradigm. In this scenario, opportunities multiply. Learn now about some of those that promise to simplify your daily life, and that nBanks will keep in sight.

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1. Neobanks

This is a digital banking service provider, with the particularity of having no dependence on a physical structure. For this reason, its cost burden is also significantly reduced, as operations, from human resources to logistics, are 100% online. This form of Digital Bank guarantees a more competitive, faster, and lower-cost offer for the consumer, who will be just a click away from performing a routine banking action.

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2. Digital financial management platforms - Fintechs

They differ from neobanks by not providing banking services, acting as intermediaries between the client and the providers of these products. They are classified as “agnostic” entities, whose mission is to continuously support the client, using Artificial Intelligence to identify the providers that best meet their characteristics and needs. Thus, they are exempt and transparent entities, focused on personalized delivery to the client, as if the client had an accessible analyst and consultant, available 24/7, to help with their treasury and financial management.  

It is in this sector that nBanks fits, developing a premium Banking as a Service (BaaS) solution. Through this solution, the client can, with simplicity and agility, access their banking data and products. Regardless of their size and complexity or the region they are in, all their bank accounts, from all companies, are centralized on a single screen, with the exchange rate and time window that best serve their needs. The integration of external entities such as the Bank of Portugal, Tax Authority, and Social Security, predictive and risk management analysis, payment integration, and simplified invoicing are also some of the functionalities allowed by the use of technology combined with finance.

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3. The future of (digital) payments

Recent years have already seen innovations in payment methods, with contactless, blockchain, and interest-free or low-interest payment installments in “Buy Now Pay Later” being examples. In the future, more daring proposals are being discussed, such as the possibility of a Stablecoin's dominance, with stability and transparency, voice or biometric payments, and even AI-driven payments.

All these models must be properly regulated. In the Portuguese case, the response is given directly to the Bank of Portugal or the Securities Market Commission (CMVM).

The integration of payments into the nBankers' treasury, banking, and finance management platform is one of their most anticipated “dreams”. This project aims to add another functionality to simplify their work routines. The goal with these mechanisms is maximum efficiency with total accessibility and less resource investment. Explore more about BaaS.

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4. Security, Regulation, and Compliance  

The abrupt and revolutionary potential of new technologies, namely Artificial Intelligence, has allowed fintechs to develop innovative products, as is happening in the banking sector. At nBanks, we use it in alignment with current compliance policies, namely through the use of Machine Learning in fraud identification or by integrating the Bank of Portugal.

With new opportunities, enhanced personalized deliveries, and the ability to manage sensitive data with agility and ease in intermediate steps, there is also a growing potential for data breach risks, from the simplest to biometric data. Therefore, the need for adequate regulation of these digitalization and virtual data management procedures should not disregard new forms of security, such as IP or Double Token authentication, as well as legislation in sectors such as cybersecurity, data regulation, and fintechs. Ethical AI certifications also complement this point.

The EU Artificial Intelligence Act, a pioneering legislative act worldwide, is expected to come into force in the second quarter of 2026.

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5. Predictive analysis with AI

It is the process through which Artificial Intelligence, based on statistical analysis, identifies patterns, potential behaviors, and future predictions. Due to the large volume of data and complexity of the process, the results offered surpass those humanly possible. With a fast response rate and a high accuracy rate, its value proves to be voluminous and growing, as consumers also turn to personalization, automation, and agility. In the context of banking operations and services, it will be essential not only for the customer experience but also for the analysis and risk management of their operations. The automation of financial decisions, such as investments, is also a key point of this technology. The association of this model with the areas of Open Finance and Open Insurance is also speculated. Will the future reserve a robotized mediator, personalized to your characteristics and needs?

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6. The potential of Generative AI in the banking sector

Generative AI is a type of artificial intelligence capable of generating content such as images, text, audio, and videos. It starts from data to create the desired final result and, therefore, frames a new aptitude of AI, as it is not restricted to classifying or recognizing patterns, but can now act in the scope of development. This creative functionality can also be leveraged in the banking sector, namely in customer service areas. It is Large Language Models (LLM) and Machine Learning (ML) systems that prove to be truly aggregating in this sector. At nBanks, the latter is already a solid path for process automation, risk analysis, and is expected to be developed in the area of creating predictive analysis and creating financial products.

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From security to efficiency and personalization, this is the Banking of the future, in digital.