As we approach the latter half of the 2020s, the fintech sector is experiencing a seismic shift. Regulatory changes, market pressures, and evolving consumer needs are reshaping the industry.
The Thredd team
Thredd CEO Jim McCarthy recently shared his insights in a fireside chat with PYMNTS.com, offering a deep dive into the future of fintech. His perspectives on innovation, regulatory changes, and the evolving landscape provide valuable foresight for businesses navigating these turbulent times.
Recent changes in Washington have sent shockwaves through the financial services sector. However, McCarthy sees opportunity amidst the chaos. "We're finally seeing what I would consider to be the real washout," he notes. "It's going to be a case of winners and losers." Businesses must balance efficiency, security, and compliance—without slowing innovation.
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The key to success in this new landscape? Delivering real value. As McCarthy points out, "People are willing to pay for value." This is especially true for services that traditional channels can't provide.
At Thredd, we're focused on helping our clients navigate these changes with flexible, innovative solutions. Our approach isn't about competing on price, but on agility and responsiveness to client needs.
Despite regulatory challenges, innovation continues to thrive. McCarthy emphasises, "Where there's a will, there's a way." We're leveraging AI to streamline processes and help our clients navigate risk and compliance more effectively.
We're finally seeing what I would consider to be the real washout...It's going to be a case of winners and losers
Successful fintech firms are adapting to pressures on interchange fees, particularly in Europe. Many are moving to fee-based models and focusing on value-added services. As McCarthy notes, "We have clients that serve the thin file, unbanked, underserved customers... and they're not making their money on interchange."
While the dust hasn't settled on regulatory changes, we at Thredd are committed to supporting our clients through this transition. As McCarthy says, "We're playing straight through it for our clients."
For a more detailed look at McCarthy's perspectives on the future of fintech, read the full article on PYMNTS.com: https://www.pymnts.com/news/payments-innovation/2025/thredds-mccarthy-seismic-shift-will-define-fintech-future/
Ready to navigate the changing fintech landscape? Contact Thredd today to discover how our flexible solutions can help your business thrive in 2025 and beyond.
The Thredd team
March 24, 2025
The Thredd team
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The Thredd team
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