Artificial intelligence captures trends: key directions for 2025

Fintech Association presented a study in Moscow "3x10 key trends for 2025"covering business, fintech, and technology areas. The analysis showed the rapid growth of the role of artificial intelligence, which penetrates all areas of the financial market, transforming companies and industries.

Artificial intelligence in the spotlight

In 2025, among the main trends are::

• Generative AI for everything
• Agency AI
• AI avatars
• Emotional AI
• AI-plus
• Platforms for managing AI
• AI in regulation and supervision

Experts have identified 30 interrelated trends that are grouped into several key areas.

Technology trends they include three groups:

• Human-machine synergy (agency AI, AI avatars, brain-computer interfaces)
• A new stage of computing (quantum and hybrid computing)
• Dealing with risks (quantum-resistant cryptography, anti-misinformation systems, AI in cybersecurity)

Maxim Grigoriev, CEO of the Fintech Association, said::

"AI opens up huge opportunities for us, but at the same time brings new risks. That is why quantum – resistant cryptography and cybersecurity are among the trends."

Agency AI: Smart Robots in Business

Anton Petukhov, IT Director of Dom.Russian Federation", explained how agency AI changes the approach to automation:

"Modern robots require reprogramming when changing business processes. Agency AI, using LLM models, adapts itself to changes. This is a step towards smart business assistants."

Business Trends: Trust and smart customer experience

Among the key business areas of 2025:

• Trustcentricity – the main trend affecting the customer experience
• Emotional AI - personalized interaction
• AI-plus - business models where AI is the basis of strategies
• XaaS and the platform Economy - flexibility in business

Olga Sorokina, Deputy General Director of the VSK Insurance House, emphasized::

"The main thing is trust. Today, companies must not just sell, but prove the transparency of their decisions so that the customer chooses them."

Fintech: The battle between bigtechs and banks

Fintech identifies four key categories::

• New features (competition between bigtechs and banks, embedded finance)
• Innovation in payments (QR-ization, multimodal bioequiring)
• Digital assets (digital currencies, tokenization)
• Effective foundation (Open Data, digital infrastructure, AI in regulation)

Marianna Danilina, Head of the Analytical Department of the Fintech Association, noted:

"Bigtechs are increasingly competing with banks by integrating financial services. This is a global trend that is changing the market."