: The industry is pivoting toward B2B models, where flexible, scalable infrastructure—Fintech-as-a-Service—is the primary enabler for other businesses. 2. Core Technological Drivers

: Investors are increasingly rewarding infrastructure that holds up under real-world stress over flashy front-end features.

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: Major frameworks like the GENIUS Act (US) and MiCA (EU) have replaced "vibe-based" innovation with clear, enforceable rules for stablecoins and digital assets.

: "Partner" banks have become gatekeepers, requiring fintechs to prove independent risk management and real-time AML monitoring. 4. Global Market Shifts