Industry research

Fintech & Payments market research

Map fintech opportunity from the financial task to the regulated provider and fee recipient. Transaction volume, customer counts, and recognized revenue need separate definitions.

Research options Discuss your scope
Customer making a contactless payment at a shop counter
Digital finance links customer activity to payment and service economics.

Market definition

Set the boundary before comparing.

Fintech labels cover products with different users, regulators, payment flows, and revenue models. Compare within a defined activity.

  1. 01Payments

    Transactions, payment value, or take rate

    Set merchant or consumer use, channel, region, and provider role in authorization and settlement.

  2. 02Digital accounts

    Opened accounts, active users, or balances

    Define active use, product bundle, customer eligibility, and account provider.

  3. 03Lending

    Originations, outstanding balance, or net interest

    Separate applications, approvals, loan disbursements, portfolios, and credit losses.

  4. 04Financial software

    Customers, seats, assets, or subscription revenue

    Identify buyer, payment workflow, licensing basis, and regulated activity supported.

Decision context

What shapes the opportunity?

Use these lenses to build a market view around the decision, customer, and time horizon that matter to you.

  1. 01

    Access and use

    Compare account ownership with transaction frequency, balances, product usage, and customer retention.

  2. 02

    Interchange and pricing

    Separate gross payment value from fees retained after scheme, bank, fraud, and processing costs.

  3. 03

    Licensing and risk

    Map which entity holds the license, owns the customer relationship, bears credit or fraud risk, and handles funds.

Research options

Find the right research scope.

Set the market, geography, and evidence needed for your decision. Our team can help define a custom research scope.

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Buyer questions

Questions worth resolving.

Use these checks to test whether a report answers your decision or needs a narrower research brief.

  1. 01

    Who provides the regulated service?

    Name the licensed institution, program manager, payment processor, and other parties in the service chain.

  2. 02

    Which event earns revenue?

    A funded account, payment authorization, loan origination, and software subscription use different revenue bases.

  3. 03

    How resilient is the customer activity?

    Check repeat use, balances, repayment, churn, dispute rates, and unit economics by cohort.

Definitions and evidence

Check what the measures represent.

Payment volume, payment value, and provider revenue describe different parts of the value chain. Match instruments, transaction scope, and reporting jurisdictions before combining payment series or applying a revenue assumption.

Payment-system activity is not automatically fintech revenue or the number of unique customers. Payment, lending, deposit, and software businesses need distinct coverage and jurisdiction-specific analysis.

Reference sources checked .

Related analysis

Evidence for your next decision.

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Your next question

Follow the transaction and the fee.

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