Global fintech investment hits lowest six-month level since 2020 despite AI surge

Fintech funding slows sharply in H1 2025 to US$44.7 bn, lowest in five years despite pockets of AI investment.

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Global fintech investment hits lowest six-month level since 2020 despite AI surge

Global fintech investment hits lowest six-month level since 2020 despite AI surge
Global fintech fundraising in H1 2025 reached around US$44.7 billion, marking the weakest six-month period since early 2020. Investment activity spiked in digital-assets and AI-enabled fintechs, but overall deal volume and value fell as higher interest rates and macro uncertainty weighed on investor appetite. 
While the Americas accounted for over half the total funding, Asia-Pacific remained subdued with just US$4.3 billion in deals. Analysts interpret the slowdown as a reset of fintech growth expectations rather than an outright collapse, pointing to selective capital allocation over broad expansion.
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  • fintech
  • investment