2025 Future of Fintech: Regulatory Environment, Fraud, and M&A

Kevin Brand, Clayton Mitchell, Kim Grey, Daniel McGonegle
10/31/2025

Crowe specialists offer insights into how fintechs, banks, and financial services organizations can thrive amid shifting regulatory pressures, emerging fraud threats, and a resurgent M&A market. The discussion highlights opportunities in risk rationalization, digital assets, and strategic growth for 2026 and beyond.

Learn strategies for navigating compliance, fraud, and growth in a complex fintech market.

Optimize risk and compliance programs through responsible innovation (3:50)

By innovating responsibly, fintechs can streamline compliance, automate manual controls, and rationalize redundant frameworks by focusing on controls that create value for customers, shareholders, and partners.

Strengthen partnerships with clear roles and collaborative compliance models (11:01)

Banks and fintechs can leverage collaborative compliance ecosystems to enhance transparency, distribute responsibilities, and lower operational costs while remaining regulator-ready.

Leverage customer-centric strategies amid regulatory shifts (17:15)

As regulatory supervision lightens, fintechs can realign strategy toward customer experience, market inclusivity, and long-term trust without sacrificing compliance integrity.

Combat AI-driven fraud and converging AML risks (30:52)

Developing dynamic, cross-functional fraud and AML frameworks, monitoring AI-driven threats, and breaking down silos can help organizations detect criminal behavior in real time.

Reassess fintech M&A and funding strategies for sustainable growth  (48:11)

As valuations rebound, strategic M&A – not just capital fundraising – will define fintech growth through 2026.

Note: Only attendees of the live webinar are eligible for CPE or CLE credit for qualifying webinars. If you view the webinar recording on this page you may not be eligible for CPE or CLE. For questions about CPE, contact [email protected].

Additional CPE information

Reach out for insights on fintech trends and compliance strategies


Have questions about regulatory trends, fraud protection, or the M&A outlook? Crowe professionals can help you navigate these challenges.
Clayton J. Mitchell
Clayton J. Mitchell
Managing Principal, Fintech
Kevin Brand
Kevin Brand
Partner, Advisory
Kim Grey
Kim Grey
Senior Manager, Risk Consulting
Daniel McGonegle
Dan McGonegle 
Senior Manager, Risk Consulting

Related insights

loading gif
Customer pays with a digital wallet at checkout, reflecting stablecoin-driven payments and embedded finance.
The Impact of Stablecoins: Considerations for BaaS Banks
Stablecoins are transforming payments, liquidity, and banking models. Industry specialists weigh in on the impact on BaaS and embedded finance.
In this webinar recording, Crowe specialists discuss aligning AI risks with enterprise frameworks, integrating controls, and AI oversight.
From AI Risk to Controls: A Practical Governance Guide
In this webinar recording, Crowe specialists discuss aligning AI risks with enterprise frameworks, integrating controls, and AI oversight.
Professionals review information on a tablet, representing fintech strategy amid regulatory change and digital asset risk.
Future of Fintech: Rules, Risk, and Digital Assets
In this webinar recording, specialists offer strategies for navigating regulatory changes, new risks, and approaches to digital assets in fintech.
Customer pays with a digital wallet at checkout, reflecting stablecoin-driven payments and embedded finance.
The Impact of Stablecoins: Considerations for BaaS Banks
Stablecoins are transforming payments, liquidity, and banking models. Industry specialists weigh in on the impact on BaaS and embedded finance.
In this webinar recording, Crowe specialists discuss aligning AI risks with enterprise frameworks, integrating controls, and AI oversight.
From AI Risk to Controls: A Practical Governance Guide
In this webinar recording, Crowe specialists discuss aligning AI risks with enterprise frameworks, integrating controls, and AI oversight.
Professionals review information on a tablet, representing fintech strategy amid regulatory change and digital asset risk.
Future of Fintech: Rules, Risk, and Digital Assets
In this webinar recording, specialists offer strategies for navigating regulatory changes, new risks, and approaches to digital assets in fintech.