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Fintech & Payment Trends in 2022

January 28, 2022 - As we enter the year 2022, the rapidly growing Fintech industry shows no signs of slowing down any time soon. Advancements in modern technology have made way for significant payment innovations and effectively shifted the way much of the world does business. As one of the world’s leading providers of prepaid cards and many other global payment solutions, Intercash is proud to be a part of this Fintech innovation and excited about the industries limitless possibilities. With that in mind, we’ve taken some time to look ahead and share our predictions for Fintech trends in 2022 and beyond.

The Transition to Digital Banks

As technology continues to evolve, we are seeing a large number of neobanks attracting new customers by offering lower fees and a more convenient mobile banking experience. As this trend continues in 2022, we can expect the concept of in-store banking to diminish considerably. Additionally, neobanks have proven to be a great asset for the unbanked populations. This should only increase as more of the global population gets online.

The Rise of Web3

The term ‘Web3’ refers to a version of the internet that is decentralized, meaning the data would be jointly owned between builders and users. This fundamental shift is to be expected since the meteoric rise of cryptocurrencies in 2021. In fact, the term ‘Web3’ was coined by a co-founder of the Ethereum blockchain, Gavin Wood. The decentralized nature of ‘Web3’ will allow users to own their personal data, as opposed to having it extracted and monetized by major platforms like Google and Facebook.

Improved Cross-Border Payments

Cross-border payments are a major pain point for many businesses, especially for those which have yet to digitize and automate their processes. Payment providers like Intercash have been able to optimize the cross-border payment process, creating a more transparent and efficient solution. With the continued impact of globalization, cross-border payments have become a critical aspect of not only large enterprises, but countless small and mediums sized businesses (SMBs) as well.

Embedded Payments

Referring to the act of making payments with the single touch of a button, embedded payments are another trend expected to grow in 2022. With convenience always at the forefront of the consumer experience, embedded payments allow users to complete a transaction without having to get up or reach for their wallet. With the introduction of 5G technology, this efficient payment method should soon become present in a variety of consumer-facing industries.

Faster B2B Payments

When it comes to B2B payments, the ability to complete and receive transfers in real time can go a long way for any business, especially SMBs. Many companies will demand immediate payment settlement as it provides them improved cash flow, increased purchasing power, less chance of payment failure and an overall competitive advantage. With a custom digital payment solution from Intercash, businesses can make sure all of their B2B payments are settle in real-time.


While nobody can be certain about what the future holds for the Fintechs and the payment industry, the trends above represent some of the most popular predictions for 2022. What are your predictions for the year to come? Share in the comments!

1 Comment

Md Shek
Md Shek
Jul 06, 2022


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