Trend Keyword Overview

The EAGLES SOAR Trend Map

10 Key Industry Trends · Drivers · Opportunities

E

Embedded Finance

"Customers do not open banking apps for loans. They naturally consume finance within the Platforms where they spend time, such as shopping, travel, or gaming. This is a massive..."
+

Definition

"Customers do not open banking apps for loans. They naturally consume finance within the Platforms where they spend time, such as shopping, travel, or gaming. This is a massive..."

By integrating financial functions into the services of non-financial companies, customers can use payments, loans, and insurance without leaving the Platform. Finance becomes internalized as an 'invisible function,' such as travel insurance being automatically suggested when purchasing flight tickets or BNPL (Buy Now Pay Later) being executed immediately within retail apps.

Drivers

Tech (Technology)

The advancement of Open Banking APIs and Banking-as-a-Service (BaaS) platforms has established a technical foundation for non-financial companies to easily integrate financial functions into their services.

Economy

Economic incentives drive non-financial companies to actively adopt financial functions to strengthen customer lock-in effects and create new revenue sources.

Opportunities

Vertical-specific Embedded Finance

Target niche markets by developing customized loan and insurance products optimized for ERP systems in specific industries such as agriculture and logistics.

BNPL Integrated Solution

Provide installment payment and credit scoring models embedded in retail distribution platforms to increase purchase conversion rates and average order value.

Definition

"Conversations with chatbots are a thing of the past. AI in 2026 is an 'Agent' that makes autonomous judgments and completes tasks. If you say, 'Switch me to the optimal loan,' the..."

Moving beyond simple chatbots, Agent AI is introduced to receive high-level commands such as 'Proceed with loan refinancing,' autonomously compare products, and execute transactions. Financial institutions use this to automate Operations and provide proactive financial assistant services to customers.

Drivers

Tech (Technology)

Innovations in Transformer architecture have dramatically improved LLM performance and reduced model training costs, lowering barriers to technology adoption.

Social

Consumers accustomed to AI interaction in daily life expect intuitive and proactive conversational services in finance as well.

Opportunities

Autonomous Financial Assistant (Agent)

AI Agent services that understand customer commands (e.g., "Save for vacation") and autonomously perform tasks from product subscription to investment execution.

AI Knowledge System for Internal Employees

Generative AI tools that learn internal regulations and product information to provide real-time answers to employee inquiries and assist with operations.

Definition

"It is not just about being a 'good' company. It is because climate risk is financial risk. Achieving Net-Zero and maintaining transparent Governance have become key metrics that..."

ESG factors are integrated as essential criteria for loan screening and investment, and Sustainable Linked Loans (SLL) are executed to offer preferential interest rates based on the achievement of corporate goals. Carbon data is verified using Artificial Intelligence and Blockchain to prevent greenwashing and enhance credibility.

Drivers

Policy/Regulation

Governments are promoting policies to mandate ESG information disclosure and strengthen support for green finance in accordance with 2050 carbon neutrality goals.

Economy

Institutional investors, recognizing climate risk as a key variable for long-term returns, are mandatorily incorporating ESG factors into investment decisions.

Opportunities

AI-based ESG Verification SaaS

A solution that analyzes unstructured corporate data to identify greenwashing and provide reliable ESG ratings.

SME Sustainability-Linked Loan (SLL) Consulting

Advisory service that helps SMEs with insufficient ESG capabilities set goals and manage implementation to secure Sustainability-Linked Loans (SLL)

Definition

"Assets that were previously tied up, such as real estate, art, and bonds, meet Blockchain to be transformed into digital tokens. The STO revolution, which allows buying and..."

Low-liquidity assets such as real estate and art are converted into Blockchain tokens to enable 24/7 trading and fractional investment. Transaction efficiency is maximized by automating dividend and settlement processes through Smart Contracts.

Drivers

Tech

Blockchain technology enables the reduction of intermediary costs and the provision of liquidity by transparently recording ownership and automating transactions.

Policy/Regulation

The announcement of Security Token Offering (STO) guidelines by financial authorities has resolved institutional uncertainty and established a foundation for investor protection.

Opportunities

Security Token Offering (STO) Issuance and Distribution Platform

An exchange-type platform that tokenizes real-world assets such as real estate and artworks for issuance and facilitates trading between investors

Digital Asset Custody

A service that securely stores and manages large-scale Token Securities or cryptocurrencies held by institutional investors with bank-grade security

Definition

"The walls of banks have collapsed. Banks will fall behind if they do not combine with different industries such as retail, telecommunications, and healthcare. The survival..."

A BaaS (Banking-as-a-Service) model is established by turning core financial functions (deposits, loans, etc.) into API modules and providing them to third-party companies. Banks transform into infrastructure providers, while partners assemble these modules to launch their own financial services.

Drivers

Policy/Regulation

Government policies to promote competition, such as the Open Banking mandate, have activated data sharing and the entry of third-party companies into the financial market.

Economy

Mutual economic interests are aligned as banks seek capital-light B2B Revenue Models and non-financial companies aim to enhance service value.

Opportunities

Banking-as-a-Service (BaaS) Infrastructure Platform Business

A wholesale banking business that provides core banking functions via APIs to enable fintechs or non-financial companies to launch financial products

Niche Market Fintech Service

A brand business that rapidly assembles and launches niche financial services for specific targets, such as gig workers, by leveraging Banking-as-a-Service (BaaS)

Definition

"Cloud and remote work have dissolved network boundaries. Now, the only security Strategy is 'Zero Trust,' which involves doubting every connection and continuously verifying it..."

Apply 'Zero Trust' principles that do not trust even internal networks, verifying the identity and context of every access request in Real-time. It involves Micro-segmentation of the network and using Artificial Intelligence to detect anomalies and grant only minimum permissions.

Drivers

Tech

The adoption of Cloud and API integration has blurred network perimeters, rendering existing perimeter-based security models ineffective.

Tech

The sophistication of attack methods such as Ransomware (RaaS) and insider threats necessitates a new security paradigm based on Zero Trust.

Opportunities

Zero Trust Transformation Consulting

A B2B service providing Zero Trust architecture design consulting and adoption roadmaps for financial institutions with perimeter-based security systems.

Supply Chain Security (SBOM) Tools

A solution that prevents supply chain attacks by tracking and managing open-source vulnerabilities during software development.

Definition

"Payments should now be invisible, like air. This is the era of 'Seamless Payment,' where cross-border remittances occur in Real-time, and payments and settlements happen instantly..."

It provides 'invisible payments' where consumers do not perceive the payment Process, and implements Orchestration where Artificial Intelligence selects the optimal payment path. Various methods such as cross-border remittances and BNPL are integrated and processed without friction on a single Platform.

Drivers

Social

Consumers accustomed to smartphones expect a seamless and immediate (Frictionless) payment experience without boundaries between online and offline.

Economy

The globalization of e-commerce has led to a surge in demand for fast and affordable cross-border payment solutions.

Opportunities

Payment Orchestration Platform

An intelligent payment routing solution that integrates and manages multiple PGs to ensure the lowest fees and highest success rates.

Global B2B Settlement Service

A settlement platform that uses Blockchain and other technologies to process inter-company trade payments or remittances in real-time, affordably, and transparently.

Definition

"The era of massive Monolithic systems is over. 'Open Architecture,' which assembles Microservices Architecture (MSA) broken down by function like Lego blocks, is the standard for..."

Adopt a composable architecture that breaks down a massive single system into functional Microservices Architecture (MSA) for independent development and deployment. By assembling pre-made functional blocks like Lego, companies can shorten the time-to-market for new products and secure flexibility.

Drivers

Economy

In a rapidly changing market, it is impossible to compete using existing development methods that take months, creating a demand for agility to achieve rapid Time-to-Market.

Tech (Technology)

Essential to move away from monolithic architectures to leverage the potential of Cloud Native and flexibly integrate with external services

Opportunities

Legacy Modernization SI

A system implementation service that transitions monolithic core banking systems to Cloud Native and Microservices Architecture (MSA)-based environments.

Low-code Tools for Citizen Developers

A low-code platform that helps business users assemble and deploy simple financial functions like blocks without the IT department.

Definition

"Artificial Intelligence Robo-advisors now perform PB services that were previously only available to high-net-worth individuals. Wealth management has been Automated, completing..."

Using Robo-advisors and Artificial Intelligence, portfolio management services, which were the exclusive domain of high-net-worth individuals, are automatically provided to the public at a low cost. Beyond simple yield management, it realizes financial democratization by automating comprehensive financial management, including taxes and retirement planning.

Drivers

Social

The MZ generation prefers transparent and affordable non-face-to-face wealth management services via mobile apps over in-person consulting

Tech (Technology)

Advancements in AI algorithms have automated large-scale portfolio management, enabling the provision of low-cost services even to small-scale investors

Opportunities

Hybrid Robo-advisor

A premium wealth management model that combines the efficiency of Artificial Intelligence algorithmic investment with emotional coaching from human experts.

Discretionary Retirement Pension Service

An algorithmic product in the retirement pension market that automatically allocates assets based on an individual's retirement timing and risk profile.

Definition

"Data that is just piled up is a cost. The core of the MyData 2.0 era is 'intelligent data utilization,' which analyzes data in Real-time to provide the optimal Value Proposition..."

Integrate financial information collected through MyData and analyze it in Real-time with Artificial Intelligence to identify hidden Customer Intent. Based on this, it performs Hyper-personalization product recommendations and transforms data itself into new business value.

Drivers

Policy (Policy/Regulation)

Policies such as 'MyData 2.0' have guaranteed data portability rights and expanded the scope of information provision, establishing a foundation for innovative services

Tech (Technology)

Advancements in Big Data and AI analysis technologies enable real-time processing of vast amounts of data to provide Hyper-personalization services

Opportunities

Hyper-personalized Lifestyle Banking

A platform that combines financial and non-financial data to recommend products at the right time based on life cycles and lifestyle patterns.

Targeted Marketing Data Business

An advertising model that utilizes MyData analysis information to provide sophisticated targeted marketing opportunities to external partners.

Inside This Volume

30 Business Models in Detail

Each of the following business models has been ideated, validated through the NextBM200 platform, and deep-dived with implementation roadmaps, revenue structures, and benchmarkable cases - exclusively inside this volume.

⊘ Full details available
in the book
01 Logo-based Consumer Fund Management App Full detail in book ->
02 Micro-loan Engine Full detail in book ->
03 Local Community Lending Circle Full detail in book ->
04 Welfare-Insurance Linkage Module Full detail in book ->
05 Insurance-Linked Portfolio Optimization Full detail in book ->
06 Government Financial Data Analysis Platform Full detail in book ->
07 Newlywed Asset Management Community Full detail in book ->
08 Tax Prediction Dashboard Full detail in book ->
09 Hybrid Compliance Package Full detail in book ->
10 Travel Finance Wallet Full detail in book ->
11 Global BNPL Embed Full detail in book ->
12 Local Win-Win STO Platform Full detail in book ->
13 Benefit Optimization Curator Full detail in book ->
14 Alternative Asset Fractional Investment Platform Full detail in book ->
15 Affiliate Data Orchestrator Full detail in book ->
16 Education-Entrepreneurship Micro-loan Full detail in book ->
17 Micro-loan Note Securitization Platform Full detail in book ->
18 Corporate Data Asset Management Consulting Full detail in book ->
19 Creator One-stop Tax Full detail in book ->
20 Risk Management Module Full detail in book ->
21 Digital Silver Education Package Full detail in book ->
22 Life Event AI Financial Assistant Full detail in book ->
23 National Digital Cash Transfer Platform Full detail in book ->
24 Credit Limit Embedder Full detail in book ->
25 Brand Bank API Builder Full detail in book ->
26 Regulatory Change Navigator Full detail in book ->
27 Pricing Policy Engine Full detail in book ->
28 Government-Linked Automated Filing Pipeline Full detail in book ->
29 Healthcare Finance and Insurance Automation Module Full detail in book ->
30 Regulatory Compliance Smart Ops Full detail in book ->
Each BM includes: revenue model · implementation roadmap · benchmarkable cases · strategic insights

FAQ

Fin-Tech Business Model FAQ

What does this Fin-Tech business model report cover?

It covers 10 Fin-Tech trend signals, the drivers behind them, related business opportunities, and 30 business model ideas for 2026.

How is the "EAGLES SOAR" trend keyword used?

The trend keyword is a shorthand map for the major shifts shaping Fin-Tech, helping readers scan the strategic logic before reviewing each detailed trend.

Who should use this Fin-Tech volume?

It is designed for founders, strategy teams, product leaders, investors, consultants, and new-business planners working on Fin-Tech opportunities.

Where can I buy the full book?

The full English volume is available through Amazon and Google Play Books. Direct PDF purchase is shown only for visitors in the EU and UK.

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