The Fintech Effect 2025: Why US Consumers Will Ditch Their Banks for Smarter Apps

In 2025, US consumers aren’t just “using” fintech anymore – they’re demanding it. In this episode of theOnly Fintechs Podcast, we break down Plaid’s latest research onThe Fintech Effect and how it’s reshaping expectations for banks, neobanks, and money apps.

From open banking to AI money co-pilots, consumers now expect their financial apps to be secure, always-on,and deeply connected – and they’re willing to switch providers if those expectations aren’t met.

• Why comfort with fintech and data sharing is at an all-time high – but only when trust, encryption, and clear policies are in place
• How users now see apps as a financial co-pilot, not just a transaction ledger
• The rise of in-app financial education and personalized guidance as must-have features
• Why open banking and seamless connectivity are table stakes in 2025
• How pay-by-bank and alternative payments are moving into the mainstream
• Where AI-powered financial experiences are headed – and what guardrails consumers expect

If you’re building a bank, fintech app, or embedded finance product, this conversation is a cheat sheet for whatUS consumers actually want in 2025 – and what will make them walk away.

Hit play to learn how to turn your product into the trusted money co-pilot your customers are now expecting.