Introduction The fintech industry is reshaping how billions of people interact with money. Globally, the fintech market was valued at approximately $395 billion in 2025 and is forecast to surpass $1 trillion by 2032, growing at an annual rate of more than 16 percent. That is not a statistic about technology. That is a statistic about power: who controls financial infrastructure, who gets access to credit, who can send money across borders without losing a third of it to fees,