McKayla Wooldridge is a research analyst on the 451 Research Fintech team within S&P Global Market Intelligence. Her coverage focuses on trends and technologies impacting the fintech ecosystem and implications for stakeholders and the customer experience. Her research spans the “buy now, pay later” market, B2B payments, banking as a service, and bank and fintech partnership dynamics. Before joining the 451 Research technology research group as an analyst, McKayla worked as a business intelligence advisor at S&P Global Market Intelligence, where she helped community banks and credit unions leverage the SNL Banker data warehouse for a variety of business applications. McKayla holds a Bachelor of Science degree in economics and applied geographic information systems from James Madison University and is currently pursuing her MBA with a concentration in business analytics at George Mason University.
Over the past few years, advances in earned wage access, spending management and corporate card technology have changed how employees leverage their personal and corporate finances. The impact of these changes has been swift and strong, but there are opportunities for continued innovation.
More favorable macroeconomic conditions set the scene for a brighter fintech outlook in 2025, but vendors will need to be more tactical and intentional to find the growth that was once seen as a given. Constrained venture funding, intensifying regulatory scrutiny and spreading market saturation are signals that fintechs must work harder than ever in coming years to scale their businesses.
This year has been the product of multiple years of societal unrest due to high inflation, natural disasters, an AI boom and geopolitical conflicts, topped off with a US presidential election. We aim to determine whether these events will ultimately affect this year's holiday spending or the broader adoption of more advanced financial practices.
Business-to-business payments are becoming more digital, automated and streamlined. Accounts payable and receivable automation, virtual cards, and real-time payments are transforming the B2B payments ecosystem. We can expect more integration and consolidation across B2B payments, uniting what continues to be a fragmented market.
Money20/20 continues to live up to its reputation as the must-attend global fintech event. Our fintech team was on-site conducting more than two dozen meetings over the course of several days, largely orienting around business-to-consumer and -business payments technology.
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