Finance + fintech spokespersons and banking keynote speakers concur that financial technology is rapidly transforming how we bank, invest, borrow money and conduct transactions. It’s an industry experiencing explosive growth and innovation. At major conferences and events, the best fintech spokespersons and keynote speakers motivate audiences around numerous trends and topics that are remaking the future of finance.

1. Digital Banking and Neobanks
Brick-and-mortar bank branches are becoming remnants of the past as more customers embrace digital-only banking services accessed via mobile apps and online platforms. Speakers discuss the rise of neobanks – banks with no physical branches – and how their streamlined technology provides superior user experiences with lower fees.

2. Blockchain and Cryptocurrencies
Distributed ledger technologies like blockchain are revolutionizing finance by allowing secure peer-to-peer transactions without intermediaries. Presenters who are leading fintech spokespersons explore real-world applications of blockchain beyond cryptocurrencies such as cross-border payments, lending, trading, supply chain finance and more.

3. Embedded Finance and Banking-as-a-Service
Fintech is no longer just about fintech companies – it’s being embedded into non-financial businesses’ products and apps. Speakers explain how embedded finance and banking-as-a-service models allow any company to seamlessly integrate financial tools like lending, payments processing, insurance and wealth management into their own offerings.

4. Open Banking and Data Sharing
Numerous countries have enacted open banking regulations requiring banks to share customers’ data with third-party fintech apps when permitted by the user. The best fintech spokespersons say it allows those apps to provide novel services built around an individual’s comprehensive financial picture. Keynote talks spotlight emerging opportunities unlocked by open banking.

5. Artificial Intelligence and Financial Inclusion
AI and machine learning are optimizing everything from fraud detection and identity verification to personalized investment advice and lending decisions. But speakers also emphasize how these technologies can expand financial inclusion by overcoming biases and physical location barriers to provide affordable, accessible financial services.

While financial technology may have once been viewed as a disruptor, conferences today make clear that fintech spokespersons and innovations are rapidly becoming embedded into the established financial system’s core infrastructure in transformative ways.