Justine Clark authored the USA chapter in Global Legal Insights - Fintech 2025.

In 2025, new developments in the Fintech sector have been driven by the incorporation of Artificial
Intelligence (“AI”), integration of Blockchain technology and the use of Big Data analytics. The increased
utilization of AI and Big Data has required improved compliance with Cybersecurity and Data Protection
regulations as applicable to the type of user (i.e., regulated financial institutions, Fintech providers or other
third-party service providers) in the jurisdiction(s) in which each entity operates or is legally organized.
The Fintech sectors that have benefited the most from the use of AI and Big Data technology are regulatory
compliance platforms (also known as “RegTech”) and payment processing platforms. The financing
platforms have also experienced growth through the use of AI and Big Data technology.
An evolving sector in the Fintech industry is the growth of financing platforms with trade finance
providers. Blockchain technology may be key to the evolution of secure supply financing conduits, and Big
Data/RegTech platforms have become crucial in connection with enhanced due diligence and sanctions
compliance.

The chapter addresses:

Fintech offerings in the United States, including:

• Financing platforms
• Payment processing platforms
• RegTech compliance platforms
• Investment platforms
• Insurance Platforms

Regulatory Oversight, including:

• Financing Offers
• Investment offerings
• Offering of structured notes by federally chartered banks
• Offering of insurance products
• Consumer Products

Key regulations

Restrictions

Cross-border business

The chapter was first published in GLI - Fintech 2025