Fintech & Payments
Market Intelligence.
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.
Industry Focus
Digital Payments, Neobanking, Alternative Lending, Embedded Finance, B2B Fintech, RegTech
Our Intelligence Services
Consumer Adoption Surveys, Business Model Analysis, Unit Economics Benchmarking, M&A & Funding Analysis
Our Analyst Team
Fintech Strategists, Payments Experts, Financial Modelers, Consumer Behavior Analysts, Regulatory Specialists
Intelligence Cadence
Annual Deep-Dive Reports, Quarterly Funding & KPI Updates, Real-Time Market Signal Alerts
Market Challenges &
Client Goals.
Client Goal
Fintech leaders partner with GIC to achieve mission-critical objectives:
- Build and scale a profitable fintech business model.
- Win the primary financial relationship with consumers and businesses.
- Navigate the complex web of financial regulations and licensing.
- Identify and on the next wave of financial innovation. capitalize
Market Challenge
The industry is defined by fierce competition and a high-stakes path to profitability:
- Intense competition from incumbent banks, Big Tech, and other fintech startups.
- High customer acquisition costs (CAC) and the constant challenge of user retention.
- The difficulty of transitioning from a single-product app to a diversified financial platform.
- Shifting investor sentiment that now demands a clear path to profitability over growth-at-all-costs.
- Evolving regulations around consumer lending (BNPL), data privacy, and open banking.
The GIC Blueprint for Precision.
Consumer & SMB Adoption Surveys
We survey thousands of consumers and small business owners to understand their financial needs, brand perceptions, and adoption drivers for new fintech products.
Unit Economics Benchmarking
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.
Capital Flow & Deal Tracking
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.
What's Inside Our
Intelligence Reports.
Each report is a complete strategic playbook, covering the entire fintech value chain from consumer behavior to venture capital.
Digital Payments
Analysis of digital wallets, real-time payments, P2P transfers, and cross-border solutions.
Digital Banking (Neobanks)
Competitive landscape of consumer and business challenger banks.
Alternative Lending
Deep dives into Buy Now, Pay Later (BNPL), SME financing, and earned wage access.
Embedded Finance & BaaS
Tracking the platforms and strategies enabling non-banks to offer financial services.
B2B Fintech
Intelligence on corporate cards, spend management, and accounts payable/receivable automation.
WealthTech & Investing
Analysis of robo-advisors, micro-investing platforms, and digital asset management.
RegTech & Digital Identity
Coverage of solutions for automated KYC/AML and secure identity verification.
Open Banking Ecosystem
Analysis of data aggregators, API platforms, and the applications built on open finance.
Fintech Business Model Analysis
Detailed breakdowns of unit economics, monetization strategies, and paths to profitability.
Venture Capital & M&A Analysis
Tracking funding rounds, valuations, and the most active investors and acquirers.
Underlying Data Sets (Excel)
Full access to our survey data, KPI benchmarks, and funding trackers.
Actionable Strategic Recommendations
Clear guidance for fintech founders, investors, and incumbent FIs.
GIC Data Highlights: Fintech & Payments.
“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
Fintech & Payments Segments We Cover.
Key Features of Our Intelligence.
Unit Economics Benchmarking (CAC/LTV)
Monetization Model Analysis
Consumer Adoption & Trust Surveys
Partnership Ecosystem Mapping
Competitive Strategy Teardowns
Regulatory Scenario Modeling
VC & M&A Deal Tracker
Go-to-Market Strategy for New Products
Define the Future
of Finance.
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