Fintech benchmarks – the latest data and analysis
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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.
The Genius Act: a smart move for global payments?
Experts from the stablecoin industry discuss if new US law can live up to its name
The cost of inaction on wholesale CBDCs
A gap exists between demand in capital markets and most central banks’ research priorities as evolving risks accrue
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