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ARTICLE · 15 MAY 2025

Financier Worldwide – Fintech Regulation

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Reflecting on the last 12-18 months, what major trends would you highlight in the FinTech sector?

GlobalTechnology
Andrew Zammit
Andrew Zammit
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Reflecting on the last 12-18 months, what major trends would you highlight in the FinTech sector? What opportunities has the current market presented?

Over the past 12 to 18 months, Europe's FinTech and payments landscape has seen rapid digitalisation, regulatory shifts and increased investment. Digital payments continue to rise, with card and mobile transactions gaining ground as cash use declines. Instant payment solutions, such as the European Payments Initiative's 'Wero' wallet, are streamlining cross-border transactions, while regulators explore the digital euro to enhance monetary resilience. Meanwhile, the Malta Financial Services Authority (MFSA) continues to provide much-needed perimeter guidance in this sector. In two key 2025 circulars, the MFSA addressed terrorism financing risks in crypto services and highlighted some shortcomings in the manner in which financial institutions (FIs) manage outsourcing and safeguard client funds. These communications

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