Fintech
Fintech Benchmarks 2025 report – supervising security
Benchmarks highlight how technological advancement needs to go hand in hand with tougher security
‘Supervising security’ is the theme of this year’s Fintech Benchmarks, as central banks seek to fortify their own systems and local financial networks against cyber threats, amid widespread geoeconomic instability. Cyber security, supervisory technology and central bank digital currency are respondents’ most prominent fields for research. At the same time, more central banks are making use of AI and improving their work with granular data.
Charts
Cloud pros and cons
Some 80% of benchmark respondents now use some form of cloud services in their work, most commonly for running software and storing data. Chief among the perceived benefits are business continuity, flexible working and automation. But central banks also see risks, primarily due to privacy, the location of cloud servers, and cyber threats.
For the full breakdown, use the benchmarking service’s interactive charts to explore the data.
Model banks analysis – Fintech 2025
Explore key differences between central banks across economy groups
Fintech data
View the full breakdown of responses to the Fintech Benchmarks.
Previous years
Fintech 2025
Fintech 2024
Fintech 2023
Fintech 2022
Fintech 2021
Fintech Benchmarks 2025 – model banks analysis
Data breakdown reveals differences in CBDC research, AI use and adoption of the cloud
Working group minutes: facing up to CBDC adoption challenges
Participants at Cape Town meeting saw drawbacks to digital currency versus other payment methods
Fintech Benchmarks 2025 – executive summary
Benchmarks shed light on research priorities, progress with CBDC and use of cloud
Fintech Benchmarks 2025 report – supervising security
Benchmarks highlight how technological advancement needs to go hand in hand with tougher security
Central banks split on whether CBDC will impact seigniorage
Some respondents see seigniorage depending on CBDC design choices
Central banks widely exploring RTGSs’ interoperability with CBDCs
High income institutions more likely to research the issue than their middle income counterparts
Half of institutions have a central data collection centre
Respondents with data collection system more likely to automate regulatory filings
Fintech Benchmarks 2025 Charts
Take a deep dive into the Fintech Benchmarks charts, which have just been released for 2025.
Flexibility and business continuity seen as key benefits of cloud services
But three in four fintech teams point at privacy as concern
Central banks more likely to use software-based cloud services
Cloud widely used for cyber security and other applications
AI spreads further among fintech teams
Centralised fintech teams more likely to apply AI/ML to sentiment analysis
Half of planned CBDCs designed to be programmable
Two-thirds of wholesale CBDCs likely to be programmable