Future of Global Fintech Second Edition 2025

Perception of the regulatory environment – by region FIGURE 16 APAC Europe LAC MENA US and Canada SSA 23%Adequate and appropriate for my firm activities Excessive and overly restrictive for my firm activities Inadequate for my firm activities No specific regulation/needed No specific regulation/not needed68% 15% 11% 5%1% 62% 19% 10% 9% 54% 20% 12% 7% 7% 2% 75% 19% 4% 53% 20% 6% 12% 9% 2% 54% 22% 4% 18% Perception of the regulatory environment – by vertical FIGURE 17 Digital banking and savings Digital capital raising Digital lending Digital payments Insurtech Wealthtech 23%Adequate and appropriate for my firm activities Excessive and overly restrictive for my firm activities Inadequate for my firm activities No specific regulation/needed No specific regulation/not needed2%49% 15% 6% 18% 12% 52% 20% 18% 10% 65% 17% 6% 10% 62% 19% 4% 12% 3% 61% 24% 10% 5% 70% 13% 4% 9% 4% The Future of Global Fintech: From Rapid Expansion to Sustainable Growth 24