When it comes to Fintech, America undoubtedly tops the bill. The USA, known for its well-established financial services industry, as well as a robust entrepreneurial culture, has the largest share of FinTech investment in the world.
Out of 2,786 global deals worth$68.6 billion in 2022, a staggering $61.6 billion was accumulated across 2,222 deals in the US. Home to world-leading FinTech hubs like Silicon Valley and NYC, it’s estimated that America will account for over 62% of the global FinTech sector by 2028.
Here we delve into the current market trends shaping Fintech’s global leader, the USA. For a look at individual trends impact specific sectors, you can look at our Sector Salary Guides for:
- Payments Salary Guide
- Banking Salary Guide
- Lending Salary Guide
- RegTech Salary Guide
- WealthTech Salary Guide
- Blockchain & Crypto Salary Guide
How We Collected The Data
The salary data collection methodology incorporates multiple sources, including Storm2’s placement data, public information from platforms like LinkedIn and Glassdoor, and direct industry insights. This comprehensive approach ensures accurate salary benchmarking across different roles and locations. Storm2 is the US top staffing firm for Fintech businesses making our data the strongest in the market.
FinTech Market Insights & Landscape in 2025
The US FinTech sector will see major changes across 2025, with significant growth expected across all major FinTech sectors, as market research shows exceptional growth ahead. Digital banking leads the charge with a projected CAGR of 11.2% showing a predicted growth to $1 trillion, the lending sector follows at 8.3% growth to $4 trillion, while payments could reach $260 billion by the end of 2025.
Key market projections for 2025:
| Sector | Market Value | CAGR |
| Digital Banking | $1 trillion | 11.2% |
| Lending | $4 trillion | 8.3% |
| Payments | $260 billion | 14.7% |
| Blockchain & Crypto | $80 billion | 26.3% |
| RegTech | $22 billion | 20.3% |
| WealthTech | $28 billion | 17.5% |
Major FinTech firms will continue to spearhead new breakthroughs in the FinTech space, as firms like Chime and SoFi lead the way with AI-powered personalization in Digital Banking; Square’s move into crypto; Visa’s work on biometric security have altered the payment landscape; and Betterment and Wealthfront make wealth management accessible through their automated advisory platforms.
US FinTech regulations have adapted to catch up with advances in technology while also attempting to maintain stability in the sector, The Consumer Financial Protection Bureau (CFPB) now watches digital lending more closely. The SEC and FINRA have created guidelines for automated wealth advisory services, with the Federal Reserve’s FedNow Service will bring changes to live payments.
Private credit market assets should reach $2 trillion under management, showing increased just need for different financing options. Investors search for higher yields while borrowers look beyond traditional banks to fuel this growth.
AI Driving Innovation In FinTech
Over recent years AI has revolutionized the US FinTech world, becoming more mainstream than ever in 2025, solidifying AI as the life-blood of innovation in financial services, as 40% of financial institutions report that AI powered systems will be integrated into their core operations by the end of 2025, these systems will disrupt functions from customer service to risk management.
AI technologies improve key operational areas:
- Fraud Detection and Security
- Customer Experience Personalization
- Risk Assessment and Underwriting
- Regulatory Compliance
- Live Transaction Monitoring
JPMorgan Chase and Bank of America are currently leading AI adoption in banking through sophisticated customer personalization engines and automated service platforms; while LendingClub and Upstart change loan underwriting with AI-driven risk assessment models, which help them to achieve 30% faster approval rates while keeping strong security standards.
AI Implementation Forecast 2025:
| Sector | AI Adoption Rate | Primary Application |
| Digital Banking | 85% | Customer Service |
| Lending | 75% | Risk Assessment |
| Payments | 90% | Fraud Prevention |
| WealthTech | 70% | Portfolio Management |
| RegTech | 80% | Compliance Monitoring |
Machine learning algorithms analyze transaction patterns live to prevent fraud, such as Visa’s AI-driven fraud detection systems, which have shown a 60% improvement in threat identification accuracy, setting a new standard for FinTech risk prevention and fraud detection standards.
As FinTech companies compete for experts in data science, algorithmic development, and AI implementation, organizations must adapt their hiring strategies to find candidates who understand both financial services and artificial intelligence.
FinTech firms looking to leverage the power of AI must balance technical innovation with practical use. Teams need to understand AI’s technical aspects and its ground applications in financial services, ensuring a competitive advantage as AI continues to shape the marketplace.
FinTech Hiring Trends
The US FinTech hiring landscape will look very different by the end of 2025, as companies are moving away from traditional hiring criteria like certain degrees and previous experiences, as hiring for specific technical skills becomes more of a focus, with 50% of FinTech firms looking to take a skills first approach in 2025..
As well as revolutionizing how FinTech firms deploy their services, AI is being used by hiring teams to revolutionise their hiring process, as 40% of HR departments now use AI-powered platforms as part of their hiring process, using algorithms which use data to identify prime candidates.
Another hiring trend in the FinTech space is the phenomenon of “Boomerang Employees”, as companies find that many former employees return with better skills. This trend is leading to simplified onboarding processes, as new employees already understand the inner workings of their new employers.
85% of FinTech companies will strengthen their diversity and inclusion programs by 2025. They understand diverse teams create better solutions. These programs go beyond hiring to include career growth and leadership training.
Competition for technical experts in cloud computing, AI development, and cybersecurity remains fierce. Companies respond with better benefits, learning opportunities, and flexible work options that line up with what modern workers want.
ED&I In FinTech
The US FinTech sector faces a major ED&I challenge. Current statistics show we have much work ahead to improve representation across leadership levels. Industry demographics reveal persistent gaps, especially in senior positions.
Current representation in FinTech leadership:
| Position Level | Women | Black Employees |
| Board Seats | 19% | 2.6% |
| Leadership Roles | 30% | 6.9% |
| Mid-Level Management | – | 6.9% |
The representation gap in US fintech hubs points to systemic issues that need immediate attention. Women hold 30% of leadership positions, but their numbers drop to 19% at board level. This pattern indicates ongoing advancement barriers. Black employees make up only 2.6% of executive positions, though they have stronger representation in mid-management roles.
Top organizations now put these ED&I initiatives into action:
- Evidence-based recruitment strategies that target diverse talent pools
- Mentorship programs for underrepresented groups
- Leadership development paths for mid-level managers
- Unconscious bias training for hiring managers
- Regular tracking and reporting of diversity metrics
The fintech sector shows a clear link between diverse leadership and innovation potential. Teams with diverse executives show superior decision-making capabilities and better market understanding. These advantages matter in today’s fast-changing financial technology world.
Success demands more than just recruitment. Industry leaders know this well. Forward-thinking companies now focus on retention through career advancement programs and inclusive workplace cultures. These efforts match broader industry trends, as 85% of companies plan to boost their diversity and inclusion programs by 2025.
The Connection Between Salaries And Investment
FinTech companies adjust their compensation packages based on their funding stages. This reflects how the industry has grown and competes for talent. Data from over 20,000 candidates shows clear salary increases through different funding rounds.
Here’s how salaries change with funding stages:
| Funding Stage | Salary Increase |
| Series A | Baseline |
| Series B | Up to 11% |
| Series C | Up to 28.4% |
| Series D+ | Up to 39.7% |
These increases highlight several market trends:
- Companies with strong funding use competitive salaries to attract talent
- Later funding rounds need more specialized skills
- Industry growth creates demand for experienced professionals
- Companies keep talent by offering better compensation packages
The link between funding and pay shows the FinTech sector’s rise from startups to major industry players. Companies can offer better packages as they secure more funding rounds. This is a big deal as it means that they can attract top talent in engineering, data analytics, and executive leadership.
These patterns match wider industry trends. Series D+ companies can pay almost 40% higher compensation than Series A companies. This gap shows both available capital and job complexity in more established companies.
