Pilot Configuration
Pilot Phase (Scoped Evaluation)
Up to 12 weeksTypical scope: multi-country, weekly updates, multiple categories
- Real data from real sources
- Live dashboards or export feeds
- Validate scope, refresh cadence, quality
- Fixed price, no ongoing commitment
Most teams start here to validate fit before expanding.
Now, schedule a short call below to confirm scope and start the pilot, or build something new.
or email us at paul@jsonify.co
Data sources are the websites and apps where information will be collected from. These can be changed or expanded at any time. This is turned into data rows.
| id | Source | InsightTitle | Summary | ImpactedSegment | RecommendedModel | EstimatedAdoption | LastUpdated | Severity | ExamplePrice | ||
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 |
|
Embedded Finance APIs Lowering Onboarding Friction | Banks and fintechs increasingly offer embedded finance APIs enabling third parties to integrate KYC, payments, and lending into non-financial apps, reducing activation time from days to hours. ... show all |
Retail Banking; SMB Platforms | API-first B2B2C embedded finance with modular KYC and revenue-share pricing | 35% of tier-1 banks piloting; projected 60% adoption among challenger fintechs in 18 months | Feb 2, 2026 | Medium | $0.15 per transaction + $200/month platform fee | ||
| 2 |
|
AI-Powered Customer Support Triaging Cuts SLA Breaches | Conversational AI triage models are routing complex requests to specialists and automating common queries, reducing SLA breaches by 40-70%. ... show all |
Wealth Management; Fintech Customer Service | Hybrid AI-human escalation with supervised retraining loops and outcome-based SLAs | Adopted by ~22% of large wealth firms; forecast to reach 50% in 12 months | Feb 3, 2026 | High | $3,500/month for enterprise triage + $0.04 per resolved ticket | ||
| 3 |
|
Subscription Pricing for Banking Services Gains Traction | Consumers show preference for subscription bundles (savings, insurance, premium support) over per-transaction fees, increasing retention by up to 18%. ... show all |
Retail Customers; Digital Banks | Tiered subscription (Basic/Premium/Pro) with cross-sell nudges and usage caps | Pilots in 40% of digital banks; projected 30% customer uptake in 9 months | Feb 1, 2026 | Medium | $9.99/month basic; $29.99/month premium | ||
| 4 |
|
Open Banking Data Marketplaces Create New Monetization Paths | Financial institutions are packaging anonymized transaction and behavioral datasets for third-party analytics and loyalty partners. ... show all |
Corporate Banking; Marketing Partners | Permissioned data marketplace with revenue sharing and consent management | Early-stage: ~15% banks experimenting; forecast 45% within 24 months | Feb 3, 2026 | High | $10,000 - $50,000 per dataset license | ||
| 5 |
|
Behavioral Nudges Improve Long-Term Savings Rates | Field experiments show small digital nudges (commitment devices, goal visualizations) increase monthly savings contributions by 12-22%. ... show all |
Mass Affluent Consumers | Goal-based savings product with periodic micro-nudges and matched incentives | 15% of apps use advanced nudges; expected 40% in 12 months | Feb 4, 2026 | Low | $0.00 - free feature; optional 0.25% advisor fee | ||
| 6 |
|
Real-time Treasury Tools for SMEs Reduce Cash Runway Risk | Real-time cashflow and short-term liquidity APIs integrated into accounting platforms help SMEs prevent insolvency with predictive alerts. ... show all |
SMEs; Treasury Solutions | SaaS subscription + pay-as-you-go API calls with optional lending connector | 30% of accounting platforms offering integrations; SME uptake projected 25% in 6 months | Feb 2, 2026 | High | $49/month + $0.01 per API call | ||
| 7 |
|
Super-App Strategies Shift to Vertical Specialization | Super-apps are shedding broad horizontal services and focusing on deep verticals (e.g., embedded healthcare payments) to improve unit economics. ... show all |
Platform Operators; Fintech Startups | Vertical-first super-app modules with partner revenue share and white-label options | Consolidation phase: top 10 super-apps pivoting; others niche play | Feb 1, 2026 | Medium | $199/month for vertical SDK access | ||
| 8 |
|
Buy Now, Pay Later (BNPL) Regulation Shifts Risk Allocation | New regulatory guidance in key markets forces BNPL providers and merchants to share underwriting responsibility, increasing underwriting costs. ... show all |
Retail Merchants; BNPL Providers | Merchant-integrated underwriting with insurance-backed risk pools | Regulation-driven: 60% of BNPL providers revising models within 6 months | Feb 4, 2026 | High | Merchant fee increase from 2.5% to 3.2% on average | ||
| 9 |
|
Insurtech Usage-Based Pricing Expands to Commercial Lines | Telematics and IoT risk signals are enabling usage-based premiums for small commercial fleets and property policies. ... show all |
Commercial Insurance; Fleet Operators | Sensor-based pricing with monthly reconciliations and dynamic premium adjustments | 10% of commercial insurers piloting; expected 28% within 18 months | Feb 2, 2026 | Medium | Starting premium $250/month with $0.05 per mile adjustment | ||
| 10 |
|
Crypto-Asset Custody Services See Institutional Demand Spike | Demand for regulated, insured custody solutions for tokenized assets exceeds supply; institutions prioritize insurance and audit trails. ... show all |
Institutional Investors; Asset Managers | Hybrid regulated custody with insurance tranches and multi-sig governance | Adoption up 48% YoY among crypto funds; projected continued growth | Feb 3, 2026 | High | Custody fee 0.25% AUM + $100/month audit access | ||
| 11 |
|
'Pay-Per-Use' Financial Products Attract Younger Consumers | Gen Z and younger millennials favor micro-subscriptions and pay-per-use financial services (e.g., micro-insurance, per-transaction FX) over annual contracts. ... show all |
Gen Z Consumers; Challenger Banks | Metered pricing with usage dashboards and soft caps | Behavioral trend strong: ~35% of digital bank signups choose pay-per-use options | Feb 4, 2026 | Low | $0.10 per international transfer + $1 micro-insurance fee/day | ||
| 12 |
|
Federated Learning Enables Cross-Company Fraud Models | Federated ML collaborations are producing more robust fraud detection without sharing raw customer data, improving precision by ~15%. ... show all |
Payment Processors; Fraud Teams | Federated model consortium with privacy-preserving aggregation and revenue share | Consortium pilots in 12 countries; 20% industry participation forecast in 24 months | Feb 1, 2026 | High | Consortium fee $25,000/year + compute cost share | ||
| 13 |
|
Composable Core Banking Accelerates Feature Delivery | Banks adopting composable core architectures can launch new retail features in weeks rather than quarters, enabling rapid experimentation. ... show all |
Retail Banks; Technology Teams | Microservices-based core with marketplace of certified connectors and outcome-based SLAs | 25% of incumbent banks started replatforming; projected 55% in 3 years | Feb 2, 2026 | Medium | Platform migration: $1M - $5M project; monthly license $20k | ||
| 14 |
|
Financial Wellness Platforms Increase Customer Lifetime Value | Integrated financial wellness coaching combined with savings automation increases product cross-sell rates and LTV by up to 27%. ... show all |
Mass Market Retail Banking | Subscription + success-fee coaching model with embedded product offers | Adopted by ~18% of retail banks; expected 40% in 18 months | Feb 4, 2026 | Medium | $14.99/month user subscription | ||
| 15 |
|
Sustainability-linked Lending Expands to Consumer Credit | Lenders introduce sustainability-linked consumer loan products that reward green behaviors with rate discounts and rewards. ... show all |
Consumer Lenders; Eco-conscious Borrowers | Rate adjustment based on verified eco-actions via partner APIs and escrowed incentives | Pilot stage: ~8% lenders; forecast 30% rollout in 2 years | Feb 3, 2026 | Low | 0.25% APR discount for verified actions | ||
| 16 |
|
Embedded Insurance Partnerships Drive Higher Conversion | Embedding short-term, contextual insurance at point of sale (travel, device, rental) increases take rate vs standalone offerings. ... show all |
Retail; Travel Platforms | API-embedded micro-insurance with dynamic premium calculation and instant bind | Adopted by ~28% of travel platforms; expected 55% within a year | Feb 1, 2026 | Medium | $4.99 one-time travel protect for 7 days | ||
| 17 |
|
Trust Signals More Important Than Price in Financial Apps | Research indicates clear privacy notices, third-party audits, and visible insurance materially increase conversion among cautious users. ... show all |
All Consumer Finance Apps | Transparent trust center with certification badges and real-time audit logs | Rapid: 40% of apps updating UX to surface trust signals | Feb 2, 2026 | Low | N/A - implementation cost estimated $10k - $50k | ||
| 18 |
|
Interoperable CBDC Pilots Reduce Cross-Border Friction | Several jurisdictions test CBDC messaging standards enabling near-instant cross-border settlements between participating banks. ... show all |
International Payments; Treasury | Interoperable rails with compliance sandbox and liquidity pooling | Pilot networks across 6 central banks; phased rollout anticipated | Feb 3, 2026 | High | Settlement fee $0.20 per transaction | ||
| 19 |
|
No-Code Finance Tooling Empowers Non-Technical Product Teams | No-code builders for payments, card issuing, and workflows let product teams launch offers without engineering sprints, accelerating time-to-market. ... show all |
Fintech Product Teams; Startups | No-code platform with templates and usage-based pricing, plus enterprise controls | Strong uptake: 45% startups using no-code for MVPs | Feb 4, 2026 | Medium | $79/month pro; $499/month enterprise | ||
| 20 |
|
Customer Data Portability Spurs Alternative Loyalty Models | Easier data portability enables consumers to move loyalty profiles across platforms, motivating loyalty providers to offer monetary rewards over points. ... show all |
Retail Loyalty Programs; Consumers | Cash-back transferable loyalty wallet with consented data portability APIs | Momentum building: 20% merchants piloting portability features | Feb 2, 2026 | Low | 1.5% cashback transferable balance | ||
| 21 |
|
Voice Commerce Gaining Traction in Banking Apps | Voice-enabled payments and advisory features raise accessibility and speed, but require stronger authentication to reduce fraud. ... show all |
Consumer Banking; Accessibility Markets | Voice biometrics + multi-factor step-up authentication for high-value actions | Early adoption: ~12% of retail apps integrating voice features; growth expected | Feb 1, 2026 | Medium | Voice auth module $5k one-time + $0.02/verification | ||
| 22 |
|
SME Lending Platforms Shift to Cashflow-Based Underwriting | Platforms increasingly use accounting-native cashflow signals over credit scores, improving approval rates for small businesses. ... show all |
SMEs; Alternative Lenders | API-native underwriting leveraging accounting, invoices, and bank flows with dynamic pricing | Adopted by 30% of alternative lenders; predicted 60% in 18 months | Feb 3, 2026 | High | APR range 8% - 28% depending on risk; origination fee 1% | ||
| 23 |
|
Hyperlocal Financial Products Address Urban Micro-Needs | Products tailored to micro-communities (neighborhood lockers, hyperlocal microloans) gain higher engagement than generic offerings. ... show all |
Urban Consumers; Community Banks | Neighborhood partnership model with localized underwriting and community ambassadors | Niche pilots: ~7% of community banks; scaling potential in metro areas | Feb 4, 2026 | Low | Microloan $100 - $2,000 at 6% - 18% APR | ||
| 24 |
|
Quantum-Safe Cryptography Tests Begin for Payment Systems | Payment processors and wallets pilot post-quantum cryptography to future-proof key management and protect long-term transaction confidentiality. ... show all |
Payment Networks; Digital Wallets | Hybrid cryptographic stack with PQC algorithms in TLS and hardware security modules | Testing phase among top processors; broad rollout timeline 3-5 years | Feb 2, 2026 | Medium | Implementation consulting $150k+; PQC HSM add-on $2k/month | ||
| 25 |
|
Credit Decisioning as a Service Lowers Loan Ops Cost | Third-party credit decisioning platforms provide pre-built models and regulatory templates, reducing operating cost and time to decision. ... show all |
Retail Lenders; Challenger Banks | Managed decisioning SaaS with explainable AI and compliance modules | 20% lenders evaluating; projected 50% adoption among neobanks in 24 months | Feb 1, 2026 | High | $0.30 per decision + $1,000/month subscription | ||
| 26 |
|
Micro-Savings Rounds Encourage High-Frequency Engagement | Rounded-up micro-savings features and automated allocations are driving daily app engagement and improved emergency savings rates. ... show all |
Everyday Consumers; Challenger Banks | Round-up engine with opt-in reward multipliers and partner offers | Widespread: ~40% digital banks offering round-up features | Feb 3, 2026 | Low | Free feature; optional premium multiplier $2.99/month | ||
| 27 |
|
Digital Identity Hubs Drive Faster KYC Across Regions | Consortium identity hubs that aggregate validated credentials accelerate KYC, lowering onboarding time and fraud rates in cross-border operations. ... show all |
Cross-Border Banking; Remittance Providers | Federated identity hub with tiered verification levels and compliance reporting | Pilots in 10 corridors; expected 35% adoption in 2 years | Feb 4, 2026 | High | Per-KYC fee $4 - $12 depending on verification level | ||
| 28 |
|
Outcome-Based Pricing for Advisory Services Gains Momentum | Advisory firms and robo-advisors experiment with fee models tied to client outcomes (e.g., retirement readiness improvements), aligning incentives. ... show all |
Wealth Management; Robo-Advisors | Hybrid fee: base subscription + success fee based on measurable KPIs | Emerging: 10% advisors offering outcome-based trials | Feb 2, 2026 | Medium | Base $29/month + 10% of incremental gains above benchmark | ||
| 29 |
|
Financial Literacy Interventions Reduce Overdraft Reliance | Targeted financial education integrated into mobile apps reduces overdraft incidences and increases savings buffer among vulnerable segments. ... show all |
Low-Income Banking Customers | Embedded micro-learning modules with behaviorally-timed prompts and low-cost credit alternatives | Slow but growing: ~12% banks integrating formal literacy journeys | Feb 1, 2026 | Low | Program license $15k/year per region | ||
| 30 |
|
APIs for Regulatory Reporting Simplify Compliance Burden | Regtech API layers automate data extraction and submission to regulators, cutting manual reporting time and error rates significantly. ... show all |
Large Banks; Regtech Users | Managed regtech API with dashboard, audit trails, and penalty-insurance option | Adopted by 18% of global banks; growing rapidly | Feb 3, 2026 | High | $2,500/month + $0.10 per report submission | ||
| Looking for more? Great news − this is just a small sample. Jsonify production workflows process anywhere from tens of thousands to millions of real data rows per run! | |||||||||||
Filters
Total Emerging Trends Identified
Competitor Innovations Ranking
Emerging Customer Needs Insights
Distribution of Customer Pain Points
Volume of Industry Trend Reports Published
Total Articles Analyzed
Trends in Unmet Customer Needs Over Time
Recent Articles from FinTech Blogs
| Title | Source | Published Date | Key Insights |
|---|---|---|---|
| 5 Key Trends Shaping FinTech in 2026 |
|
2026-01-15 | Focus on AI-driven customer service. |
| The Rise of Embedded Finance |
|
2026-01-20 | Integration of financial services into non-financial platforms. |
| Customer Behavior Shifts Post-Pandemic |
|
2026-01-10 | Increased demand for digital-first banking solutions. |
| Innovating Payment Solutions for Small Businesses |
|
2026-01-25 | Need for affordable payment processing options. |
| Exploring the Future of Peer-to-Peer Lending |
|
2026-01-30 | Growing interest in decentralized finance models. |
| Top 10 FinTech Startups to Watch in 2026 |
|
2026-01-28 | Emerging players focusing on niche markets. |
| Understanding the Unmet Needs in Digital Banking |
|
2026-01-22 | Focus on personalization and customer experience. |
| How FinTech is Transforming Wealth Management |
|
2026-01-18 | Emergence of robo-advisors and AI tools. |
Innovation Trends in FinTech
Top 5 Innovative Service Models
Key Insights from McKinsey Reports
| Source | Pain Point | Unmet Need | Innovative Service Model | Date |
|---|---|---|---|---|
|
|
High transaction fees | Affordable cross-border payments | Blockchain-based remittances | 2026-01-15 |
|
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Slow customer service | 24/7 support | AI chatbots for instant responses | 2026-01-20 |
|
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Limited access to financial products | Inclusive banking for underserved populations | Mobile banking apps | 2026-01-25 |
|
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Data security concerns | Enhanced data protection | Zero-trust security models | 2026-01-30 |
|
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Lack of personalized services | Tailored product offerings | AI-driven recommendation engines | 2026-01-28 |
|
|
Inconvenient user interfaces | User-friendly platforms | Voice-activated banking services | 2026-01-22 |
Market Share of Competitor Innovations
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