Alex, reflecting on 2024 ??

What have been your key industry moments from 2024?

"My stand-out 2024 moment juxtaposes the collapse of Synapse in the US and Revolut securing a UK banking licence. These events mark a shift from fintech’s ‘break things’ ethos to a ‘go slow to go fast’ era demanded by regulators.

And what do you see in store for 2025?

In 2025, compliance-by-design BaaS alternatives will rise as legacy players struggle with profitability and mounting compliance costs. Regulatory waves, including PSD3, DORA, and crypto oversight like MICA, will challenge innovators while scrutinising regulators’ balance of competition, safety, and innovation. On a brighter note, 2025 may revive fintech IPOs, with Klarna, Revolut, and Stripe poised to make headlines."

Fresh from our blog:

-?How embedded finance transforms employee benefits: As 50% of benefits managers seek new software, adopting user-centric financial innovations is critical to staying competitive in the race for talent. More

- Bringing flexibility with spendable benefits cards: With 60% of benefits managers valuing adaptability, the shift toward personalised, spendable options is key to improving satisfaction and engagement. More

INDUSTRY

"I'm signing off from Web Summit 2024!

Web Summit continues to be the grandest digital festival anywhere, drawing every type of player across the entire ecosystem. The buzz from AI this year was inevitable, but also from Fintech and Web3. I feel honoured to have twice taken to the stage. The recordings will be in the Web Summit app.

Day 1 focused on retail: firstly joining Jo?o Gabriel Chebante, CEO and Chief Venture Officer at Sinergis, in the “Get embedded or get left behind” discussion on the Commerce stage. And later learning about how Payabl's powering growth for merchants, in discussion with Thekla Paschali.

I owe a massive thank-you to Lana Dimitrova from OpenPayd, Mark Nelsen from Visa, and Rute Sousa Vasco for joining me in the discussion on “Fintech Unleashed: What’s Next?” in the Fintech area on day 2.? See you next year!?

- Alex Mifsud, Co-founder and CEO

AWARDS

?? Weavr wins "Payments Campaign Of The Year"

It's not often that marketing campaigns feature among the various awards programmes out there. But our marketing team spotted one and managed to raise the trophy at the recent Payments Awards, no less! So far, a 100% win rate (we shall never enter any more to retain our perfect score). A massive well done to the crew behind "Unputdownable" - not another boring white paper in your news feed.?If you'd like to take a read of the research paper behind the cross-channel campaign, you can find it here.?

P.S. If you were at The Banking Tech Awards last week, you might have spotted the Weavr crew nervously waiting to see if we won "Best Embedded Finance Initiative" [Did we? We'd have shared the news on LinkedIn. Update: we sure did.]

NEWS ROUNDUP

?? Tech Round 100 – we were delighted to take be included in the inaugural TechRound-100 ranking of UK startups: "Their solutions-based approach to solving key challenges in use cases is unique in the European embedded finance sphere, in particular within the employee benefits industry" Read more

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?? Entrepreneur – From Taxes to Texas. "2025 looks like having a healthy engine of sustainable growth, and a plan to take us towards profitability through improving unit economics and tight control on fixed costs." Learn more

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?? Retail Banker International – What's next for BaaS?: "A better solution is the emerging trend of Embeddable Financial Solutions (EFS). EFS are pre-built, ready-to-use financial products that are designed to be integrated into non-financial applications". Explore the story

CAREERS

We're looking for talent!

If you'd like to pursue a new challenge and join our team, have a browse of some of our open positions:

AML Analyst

Compliance | Full-time - Hybrid/Malta | See more

Operations Manager - Risk & Compliance

Compliance | Full-time - Hybrid/London | See more