[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]  Sam Boboev [@samboboev](/creator/twitter/samboboev) on x XXX followers Created: 2025-07-25 07:00:00 UTC Let’s dive into this week’s curated collection of fintech reports, whitepapers, and expert guidelines in the latest edition of Fintech Wrap Up. Every resource featured is available for download. In the UK, card payments—especially debit—still reign, making up XX% of digital transactions in 2024. But digital wallets are gaining fast, expected to surpass cards in value by 2028, thanks to biometric security, in-app integration, and perks like BNPL. Open banking is maturing, with 11.7M users and 22M payments monthly, but broader adoption hinges on better commercial models and merchant incentives. Fintech funding held steady in Q2’25 at $10.5B, with Plaid landing the largest deal at $575M. The US dominated investment, capturing XX% of mega-rounds and XX% of total fintech dollars. B2B fintech and wealth tech led momentum, with wealth tech funding nearly tripling QoQ to $1.9B. Next-gen SMB owners (18–35) are redefining business banking. They’re using more tools (6–9 on average), value real-time insights, and rely on social media for financial education. Yet despite their digital lean, XX% still hold primary accounts at traditional banks, and many prefer the option of in-branch service. AI is increasingly central to fintech strategy. So far in 2025, AI-enabled startups have captured XX% of deal value, earning a XXX% valuation premium at the early stage. Nearly one-third of US fintechs closing deals since 2021 are AI-enabled. Finally, stablecoins and quantum tech are gaining ground. In emerging markets, stablecoins promise faster, cheaper cross-border payments. Meanwhile, quantum pilots in fraud detection and security are already in motion, with McKinsey estimating $622B in potential value by 2035. 👉Read the full edition here:  XX engagements  **Related Topics** [coins wallets](/topic/coins-wallets) [reign](/topic/reign) [fintech](/topic/fintech) [collection of](/topic/collection-of) [Post Link](https://x.com/samboboev/status/1948639355444363579)
[GUEST ACCESS MODE: Data is scrambled or limited to provide examples. Make requests using your API key to unlock full data. Check https://lunarcrush.ai/auth for authentication information.]
Sam Boboev @samboboev on x XXX followers
Created: 2025-07-25 07:00:00 UTC
Let’s dive into this week’s curated collection of fintech reports, whitepapers, and expert guidelines in the latest edition of Fintech Wrap Up. Every resource featured is available for download.
In the UK, card payments—especially debit—still reign, making up XX% of digital transactions in 2024. But digital wallets are gaining fast, expected to surpass cards in value by 2028, thanks to biometric security, in-app integration, and perks like BNPL. Open banking is maturing, with 11.7M users and 22M payments monthly, but broader adoption hinges on better commercial models and merchant incentives.
Fintech funding held steady in Q2’25 at $10.5B, with Plaid landing the largest deal at $575M. The US dominated investment, capturing XX% of mega-rounds and XX% of total fintech dollars. B2B fintech and wealth tech led momentum, with wealth tech funding nearly tripling QoQ to $1.9B.
Next-gen SMB owners (18–35) are redefining business banking. They’re using more tools (6–9 on average), value real-time insights, and rely on social media for financial education. Yet despite their digital lean, XX% still hold primary accounts at traditional banks, and many prefer the option of in-branch service.
AI is increasingly central to fintech strategy. So far in 2025, AI-enabled startups have captured XX% of deal value, earning a XXX% valuation premium at the early stage. Nearly one-third of US fintechs closing deals since 2021 are AI-enabled.
Finally, stablecoins and quantum tech are gaining ground. In emerging markets, stablecoins promise faster, cheaper cross-border payments. Meanwhile, quantum pilots in fraud detection and security are already in motion, with McKinsey estimating $622B in potential value by 2035.
👉Read the full edition here:
XX engagements
Related Topics coins wallets reign fintech collection of