In the race to redefine money, data is the ultimate currency. GIC delivers the essential market intelligence that fintech founders, payment leaders, and investors need to navigate the digital finance revolution, build disruptive products, and capture lasting value.
Digital Payments, Neobanking, Alternative Lending, Embedded Finance, B2B Fintech, RegTech
Consumer Adoption Surveys, Business Model Analysis, Unit Economics Benchmarking, M&A & Funding Analysis
Fintech Strategists, Payments Experts, Financial Modelers, Consumer Behavior Analysts, Regulatory Specialists
Annual Deep-Dive Reports, Quarterly Funding & KPI Updates, Real-Time Market Signal Alerts
Fintech leaders partner with GIC to achieve mission-critical objectives:
The industry is defined by fierce competition and a high-stakes path to profitability:
We survey thousands of consumers and small business owners to understand their financial needs, brand perceptions, and adoption drivers for new fintech products.
Our financial models deconstruct fintech business models to benchmark key performance indicators (KPIs) like CAC, LTV, and net interest margin, revealing the true drivers of profitability.
We track global venture capital, private equity, and M&A activity in real time, providing unparalleled insight into funding trends, valuation multiples, and the most active investors.
Each report is a complete strategic playbook, covering the entire fintech value chain from consumer behavior to venture capital.
Analysis of digital wallets, real-time payments, P2P transfers, and cross-border solutions.
Competitive landscape of consumer and business challenger banks.
Deep dives into Buy Now, Pay Later (BNPL), SME financing, and earned wage access.
Tracking the platforms and strategies enabling non-banks to offer financial services.
Intelligence on corporate cards, spend management, and accounts payable/receivable automation.
Analysis of robo-advisors, micro-investing platforms, and digital asset management.
Coverage of solutions for automated KYC/AML and secure identity verification.
Analysis of data aggregators, API platforms, and the applications built on open finance.
Detailed breakdowns of unit economics, monetization strategies, and paths to profitability.
Tracking funding rounds, valuations, and the most active investors and acquirers.
Full access to our survey data, KPI benchmarks, and funding trackers.
Clear guidance for fintech founders, investors, and incumbent FIs.
"The most valuable fintechs are evolving from single-product apps to multi-product financial super apps. Our data shows that adding a second product, like lending or investing, can increase a customer's LTV by over 200%."
Lead Analyst, Fintech Strategy, GIC
Embedded finance is projected to generate $230 billion in annual revenue by 2026, with B2B SaaS platforms being the fastest-growing distribution channel.
GIC Embedded Finance Market Model, Q2 2025
The average Customer Acquisition Cost (CAC) for a consumer neobank in the US has risen to $95, making organic growth and viral loops critical for sustainable economics.
GIC Fintech Unit Economics Index, Q2 2025
Real-time payment volume via networks like FedNow and RTP is forecasted to grow by 75% annually, pressuring traditional ACH and card networks.
GIC Real-Time Payments Tracker, Q1 2025
Connect with a GIC analyst to discuss our syndicated Fintech & Payments reports or to commission bespoke research on your specific strategic challenges and market opportunities.
Speak with a Fintech Analyst