Banking, Financial Services & Insurance

This research examines the application of Zero-Knowledge Proofs (ZKPs) for cross-border identity verification and credit scoring in the USA from 2025 to 2030, with a focus on GDPR and US privacy regulations. The report highlights how ZKP technology enables secure, privacy-preserving verification of identity and creditworthiness without exposing sensitive personal data. It explores market growth, adoption trends, regulatory compliance, and the ROI potential for financial institutions, fintechs, and credit bureaus implementing ZKP solutions in cross-border financial operations.

The digital-only wealth management market for Gen Z and Gen Alpha investors is projected to expand from $210B in 2025 to $470B by 2030, reflecting a CAGR of 17.5%. This growth is powered by mobile-first investing, AI-driven personalization, and gamified wealth interfaces designed for younger demographics. With 68% of Gen Z preferring digital-first advisors and trusting algorithmic recommendations over traditional advisors, platforms are leveraging behavioral finance, social investing, and micro-investment features to drive engagement. The key focus is on retention, user experience, and personalized goal tracking that align with emerging investor psychology.

This research explores the tokenization of real-world assets—including commercial real estate, private debt, and art—in US and EU markets from 2025 to 2030. The report examines how blockchain-based tokenization will transform asset liquidity, democratize access to traditionally illiquid markets, and enhance transparency and security. It provides insights into the expected market growth, regulatory challenges, and investment opportunities in these asset classes, highlighting the financial implications and ROI for institutional investors and asset managers adopting tokenization solutions.

Central Bank Digital Currencies (CBDCs) are poised to transform the global financial landscape, particularly in Europe, where regulatory frameworks are evolving to incorporate digital currencies. By 2025, the CBDC market in Europe is projected to reach €4.3 billion, growing at a CAGR of 17% from 2025 to 2030.CBDCs offer significant potential for enhancing payment systems, improving financial inclusion, and providing more secure alternatives to traditional banking services. However, their implementation presents several challenges, particularly in terms of regulatory frameworks, technological infrastructure, and consumer adoption. This report explores the implementation strategies for CBDCs in the UK and Europe, focusing on regional differences in adoption and the regulatory impact these digital currencies will have on financial systems. The report also delves into the key challenges and opportunities in CBDC implementation and how various stakeholders can navigate the evolving landscape.

The insurance industry is evolving with the convergence of climate change, regulatory pressures, and AI advancements. The 2024 EU ESG mandate will reshape climate catastrophe modeling in Europe from 2025 to 2030. AI technologies, such as machine learning and predictive analytics, provide insurers with more accurate climate risk assessments, improving underwriting, pricing, and claims management. The report explores AI adoption, market trends, and regulatory impacts, highlighting how AI can drive innovation, compliance, and sustainability. By 2030, AI-powered models are expected to become the industry standard, guiding insurers in adapting their business models.

This research examines payments data monetization in the US and EU from 2025 to 2030, focusing on GDPR compliance approaches, data privacy concerns, and revenue models. The report quantifies the impact of data protection regulations on revenue generation strategies for payment providers, fintech companies, and financial institutions. It explores differences in monetization techniques, focusing on data-sharing models, consent-driven revenue, and third-party partnerships. This study provides actionable insights on regulatory impacts and revenue opportunities in the rapidly evolving payments landscape.

This research explores the application of quantum computing for real-time risk and fraud detection in financial services in USA and EU from 2025 to 2030. The report examines how quantum algorithms can enhance fraud detection models, improve real-time transaction monitoring, and optimize risk assessment. It quantifies the impact of quantum technologies in reducing false positives, accelerating fraud detection, and improving security in financial institutions. The study provides strategic insights for asset managers, fintechs, and regulators adopting quantum technologies for enhanced fraud protection.

GenAI agents are transforming regulatory reporting by automating compliance processes in the U.S. and EU markets. This report explores the projected impact of autonomous GenAI-driven solutions on regulatory reporting between 2025 and 2030. Key trends include improved compliance accuracy, significant cost reductions, and the growing adoption of AI-powered agents by regulatory bodies and financial institutions to streamline reporting and reduce human error.

The CBDC ecosystem is entering a decisive stage, with the U.S. Digital Dollar pilot and Digital Euro program projected to collectively influence over $5.4T in annual payment flows by 2030. The U.S. is currently testing interoperable retail and wholesale CBDC frameworks, focusing on transaction traceability, financial inclusion, and cross-border efficiency. Market projections estimate the U.S. CBDC infrastructure market to reach $3.8B by 2030 (CAGR 18.4%). As policy momentum builds, the Federal Reserve’s Project Hamilton and Digital Dollar Project will determine the scalability of a tokenized, programmable payment infrastructure designed to modernize monetary policy execution and financial stability.

Edge AI technology is revolutionizing the real-time payments ecosystem by enhancing fraud detection, reducing latency, and driving significant cost reductions. As the financial industry continues to embrace digital payments, the integration of AI at the network edge ensures that payment transactions are processed more efficiently, securely, and in real-time. By 2025, the market for Edge AI in real-time payments in the USA and Europe is projected to reach **$7.4 billion**, growing at a **CAGR of 27%** from 2025 to 2030. This report explores the trends driving the adoption of Edge AI in real-time payments, with a focus on reducing fraud detection latency, cutting processing costs, and the benchmarks for widespread adoption. This report also delves into the impact of Edge AI on fraud prevention, customer experience, and operational efficiency in payment systems, highlighting the key market drivers and the competitive landscape for solution providers in the USA and Europe.