US Fintech Market Size & Share Analysis - Growth Trends & Forecasts (2025 - 2030)

The Report Covers US Fintech Industry Overview and is Segmented by Service Proposition (Digital Payments (Mobile POS Payments, Digital Remittance, and Digital Commerce), Digital Investments (Neo-Brokers and Robo-Advisors), Alternative Lending, Alternative Funding (Crowd Investing and Crowd Funding), Neo-banking, and Online insurance and insurance marketplaces.

US Fintech Market Size & Share Analysis - Growth Trends & Forecasts (2025 - 2030)

US Fintech Market Size

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US Fintech Market Summary
Study Period 2020 - 2030
Base Year For Estimation 2024
Forecast Data Period 2025 - 2030
Historical Data Period 2020 - 2023
CAGR 11.00 %
Market Concentration High

Major Players

United States Fintech Market Major Players

*Disclaimer: Major Players sorted in no particular order

Compare market size and growth of United States Fintech Market with other markets in Financial Services and Investment Intelligence Industry

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US Fintech Market Analysis

The United States Fintech Market is expected to register a CAGR of 11% during the forecast period.

Financial technology, also known as "fintech," is a type of technology and innovation that aims to compete with traditional financial methods in the provision of financial services. AI, blockchain, cloud computing, and big data are considered the ABCs of fintech. The fintech industry is an evolving industry that uses technology to improve activities in finance.

According to research conducted in the US fintech market, venture capital investment is increasing year after year, but investors are becoming more cautious as the industry matures. In the previous year, there were 8775 fintech start-ups in America. Digital payments are the leading fintech segment in the United States, with a market value of more than $1.2 trillion. 60% of credit unions and 49% of banks in the U.S. believe that fintech partnerships are crucial. By the forecasted period, the U.S. will account for more than 62% of the global fintech transaction value.

The United States' customer fintech implementation is at 46%. The customer fintech implementation rate for global money transfers and payments is 75%. 75% of global consumers have used at least one fintech service to pay online or using a mobile application. 70% of U.S. customers say that mobile banking will represent the future. There were 54 million P2P (peer-to-peer) lending users in the United States six years ago, and it was likely to more than double to 126 million in the current year.

US Fintech Industry Overview

The US fintech market is consolidated and is led by various strong players employing innovations and partnership strategies. The report also includes major international players operating in the US fintech market.

While the US fintech landscape and regulations are emerging, the increase in new fintech start-ups and investments in the sector shows no immediate signs of slowing. Many players, including Chime, Stripe, iTrustCapital, and Check, are leading the US fintech market to new heights. The market will likely expand at a high rate throughout the forecast period.

US Fintech Market Leaders

  1. Stripe

  2. Chime

  3. Klarna

  4. iTrustCapital

  5. Robinhood

  6. *Disclaimer: Major Players sorted in no particular order
US Fintech Market Concentration
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US Fintech Market News

  • January 2022: iTrustCapital established its new corporate headquarters in Irvine with funding of USD 125 million. The news was released two months after the company received a USD 125 million Series A growth equity investment from Left Lane Capital of New York City. The money will be used to enhance the company's offerings, grow the customer support and development teams, investigate possible strategic partnerships, and introduce new marketing avenues.
  • Febuary 2022: In a statement, Fireblocks stated that it would spend an estimated USD 100 million for a cryptocurrency payment network. Plans to allow acquirers and payment service providers (PSPs) to accept cryptocurrency payments and make payouts in digital currencies are blocked by fire. Less than three weeks after the business disclosed it had raised USD 550 million in Series E funding, Fireblocks reportedly made its first purchase.

US Fintech Market Report - Table of Contents

1. INTRODUCTION

  • 1.1 Study Assumptions and Market Definition
  • 1.2 Scope of the Study

2. RESEARCH METHODOLOGY

3. EXECUTIVE SUMMARY

4. MARKET DYNAMICS AND INSIGHTS

  • 4.1 Market Overview
  • 4.2 Market Drivers
  • 4.3 Market Restraints
  • 4.4 Industry Attractiveness - Porters' Five Forces Analysis
    • 4.4.1 Threat of New Entrants
    • 4.4.2 Bargaining Power of Buyers
    • 4.4.3 Bargaining Power of Suppliers
    • 4.4.4 Threat of Substitutes
    • 4.4.5 Intensity of Competitive Rivalry
  • 4.5 Insights on impact of technology and innovation in Operation in Fintech Market
  • 4.6 Impact of COVID-19 on the Market

5. MARKET SEGMENTATION

  • 5.1 By Service Proposition
    • 5.1.1 Digital Payments
    • 5.1.1.1 Mobile POS Payments
    • 5.1.1.2 Digital Remittance
    • 5.1.1.3 Digital Commerce
    • 5.1.2 Digital Investments
    • 5.1.2.1 Neo-brokers
    • 5.1.2.2 Robo-Advisors
    • 5.1.3 Alternative Lending
    • 5.1.4 Alternative Financing
    • 5.1.4.1 Crowd Investing
    • 5.1.4.2 Crowd Funding
    • 5.1.5 Neo-banking
    • 5.1.6 Online Insurance and insurance Marketplaces

6. COMPETITIVE LANDSCAPE

  • 6.1 Market Concentration & Overview
  • 6.2 Company Profiles
    • 6.2.1 Stripe
    • 6.2.2 Klarna
    • 6.2.3 Kraken
    • 6.2.4 Plaid
    • 6.2.5 Robinhood
    • 6.2.6 Brex
    • 6.2.7 Chime
    • 6.2.8 NYDIG
    • 6.2.9 VISA
    • 6.2.10 iTrustCapital*
  • *List Not Exhaustive

7. MARKET OPPORTUNITIES AND FUTURE TRENDS

8. DISCLAIMER AND ABOUT US

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US Fintech Industry Segmentation

Fintech (financial technology), is a term used to describe a range of products and services that use technology to enhance and automate traditional financial operations and processes. Examples of Fintech products and services include online banking services, mobile payments, P2P lending, digital wallets and financial management tools.

Sales of platform- and technology-based financial services, along with related products, make up the FinTech (Financial Technologies) market. FinTech refers to the application of technology and innovation to the delivery of financial services via web-based platforms. The scope of the report comprises a complete background analysis of the US fintech industry, including a valuation of emerging trends by segments, significant changes in market dynamics, market overview, market size approximation for key segments, and key company profiles also covered in the report.

The United States Fintech Market is Segmented by Service Proposition (Digital Payments (Mobile POS Payments, Digital Remittance, and Digital Commerce), Digital Investments (Neo-Brokers and Robo-Advisors), Alternative Lending, Alternative Funding (Crowd Investing and Crowd Funding), Neo-banking, and Online insurance and insurance marketplaces. The report offers Market size and forecasts for United States Fintech Market in value (USD Million) for all the above segments.

By Service Proposition Digital Payments Mobile POS Payments
Digital Remittance
Digital Commerce
Digital Investments Neo-brokers
Robo-Advisors
Alternative Lending
Alternative Financing Crowd Investing
Crowd Funding
Neo-banking
Online Insurance and insurance Marketplaces
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US Fintech Market Research FAQs

What is the current United States Fintech Market size?

The United States Fintech Market is projected to register a CAGR of 11% during the forecast period (2025-2030)

Who are the key players in United States Fintech Market?

Stripe, Chime, Klarna, iTrustCapital and Robinhood are the major companies operating in the United States Fintech Market.

What years does this United States Fintech Market cover?

The report covers the United States Fintech Market historical market size for years: 2020, 2021, 2022, 2023 and 2024. The report also forecasts the United States Fintech Market size for years: 2025, 2026, 2027, 2028, 2029 and 2030.

US Fintech Industry Report

Statistics for the 2025 United States Fintech market share, size and revenue growth rate, created by Mordor Intelligence™ Industry Reports. United States Fintech analysis includes a market forecast outlook for 2025 to 2030 and historical overview. Get a sample of this industry analysis as a free report PDF download.