What does the financial world have in store for us? In 2025, the definitive fusion between technology and money will be completed. With considerable progress in digital money, where 60% of transfers are already made through virtual wallets and CVU, the figure will continue to grow next year where payment methods will also evolve, for example through growth of NFC.
The fintech industry increased its size by 12% and positions the country as a regional leader in financial innovation. It is projected that by 2025, interoperability between fintechs and traditional banking will exceed 70%, consolidating a more connected ecosystem.
The Argentine fintech and blockchain ecosystem is undergoing a profound transformation, driven by technological advances and changes in the regulatory framework. The cryptocurrency adoption and blockchain solutions is revolutionizing the financial system, offering more agile and secure transactions.
Javier Milei’s government played a key role in this change, with outstanding work by the Central Bank, CNV and fintech and traditional banking actors. His public support for cryptocurrencies and the knowledge economy was a driver for the expansion of the sector.
During his participation in Meta Day, Milei declared: “Go for cryptocurrencies, they are reliable. Technology is an ally for the freedom of citizens.” At a global level, Donald Trump’s victory in the United States presidential elections also drove a historic rise in the price of bitcoin, reinforcing confidence in technological tools in the international financial system.
In this context, five key trends stand out that will shape the financial landscape towards 2025:
The end of cash
Digital payments continue to dominate the Argentine market. According to the Central Bank (BCRA), 60% of financial transfers have as their origin and/or destination a virtual wallet or CVU, while operations with interoperable QR exceed 50 million monthly.
New initiatives, such as paying for trips on CABA subways with QR, card or cell phone, reinforce this trend, promoting financial inclusion in areas with less access to traditional banking services.
Blockchain
The technology blockchain is transforming key sectors that require traceability, such as supply chains. An example is the municipality of Marcos Paz, a pioneer in the adoption of this technology in the AMBA. In addition, interoperability between digital payment systems is boosting the efficiency of financial services.
Tokenization
The tokenization It allows you to digitize and divide assets such as real estate or credit, making them accessible to a greater number of investors. According to Boston Consulting Group, this practice could represent an opportunity to global business of 600 billion dollars by 2030, equivalent to 10% of world GDP.
In Argentina, this trend is in full growth, offering innovative alternatives to diversify portfolios and democratize investments.
Open Banking
The concept of Open Banking is gaining ground, facilitating integration between banks and fintechs through the use of APIs. According to the Finnovista Fintech Radar Argentina 2024, the local fintech ecosystem grew by 11.7% compared to 2023, reaching 383 companies. In addition, 53.4% of banks already collaborate with fintechs, while 21.3% are evaluating new alliances.
This synergy allows consumers to access personalized and more efficient financial services.
The cryptocurrency market does not stop
Argentina leads the volume of cryptocurrency transactions in the region, surpassing Brazil with operations totaling 91.1 billion dollars in 2024, according to data from Chainalysis. This growth drives the use of cryptoassets as a means of payment for goods and services, standing out for their speed and security.
Source: Ambito
I am a 24-year-old writer and journalist who has been working in the news industry for the past two years. I write primarily about market news, so if you’re looking for insights into what’s going on in the stock market or economic indicators, you’ve come to the right place. I also dabble in writing articles on lifestyle trends and pop culture news.
