Fintech Weekly Digest: Oct 29 -Fiserv’s Earnings Shock, Open Banking Momentum, Revolut’s Expansion, Stablecoin Regulation, and AI-Powered Payments

Welcome to this week’s edition of ONSEC Fintech Weekly, your concise intelligence brief on the evolving fintech landscape. From market shifts and regulatory developments to breakthrough product launches and funding rounds, we bring you the most relevant updates shaping the future of digital finance. This week, major payment players faced earnings shocks, open banking gained momentum across Europe, regulators advanced stable-coin frameworks, and startups doubled down on AI-driven infrastructure and embedded payments.

Market & Macro Trends in Fintech

1. Fiserv slashes guidance, leadership overhaul — Fiserv missed Q3 earnings (US$2.04 EPS vs ~US$2.64 expected) and announced a full-year revenue-growth outlook cut from ~10% to ~3.5-4%. The company also reshuffled leadership and will move its listing back to Nasdaq. AP News
2. Open Banking Expo UK & Europe 2025 highlights industry momentum — The event concluded in London (Oct 28) with over 1,650 attendees, more than 180 speakers and a Regulator Day that featured participation from 13 countries. The show emphasised themes of open banking, smart data, FinTech-bank collaboration and stable-coins. The Fintech Times
3. Modern Treasury acquires stable-coin paytech Beam (Oct 27) — The deal (~US$40 m all-stock) brings Beam’s stable-coin-based settlement rails into Modern Treasury’s infrastructure, enabling real-time payments over both fiat and digital rails. FinTech Futures
4. Checkout.com partners with Uber Technologies (Oct 28) — Uber selected Checkout.com to provide acquiring and gateway services across multiple markets, leveraging Checkout’s global digital-first infrastructure and AI-driven transaction routing. FintechNewsCH
5. Fintech infrastructure for AI-native payments — Paygentic, a payments-infrastructure start-up for AI-native/agent-driven products, raised US$2 m in a pre-seed round (Oct 29). The raise signals increasing overlap of payments + AI infrastructure. Fintech Global

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Fintech Expansion & Regulatory Moves

1. Revolut wins banking licences in new markets, while UK full-licence still pending (Oct 28) — Revolut secured authorisations in Colombia and Mexico under its global “bank-first” strategy, though the UK full banking licence remains delayed. F N London
2. UK fintech ecosystem support unit launched (Oct 29) — The UK Treasury announced a new “scale-up unit” dedicated to helping fast-growing financial services firms (including fintechs) expand, create jobs and navigate regulation. FinTech Futures
3. Regulatory clarity advancing for stable-coins & tokenisation — According to the October payments newsletter, regulators in the UK & US are advancing a trans-Atlantic task force to align digital-asset and capital markets frameworks, while the EU is progressing legislation for digital-asset platforms and tokenised custody. www.hoganlovells.com
4. Fintech startup drive to boost fundraising support — Canadian start-up Profitual is creating an AI-platform to help startups build forecast models and investor-ready reports (Oct 29). This signals growing regulatory and ecosystem support for fintech that supports other fintechs. Fintech.ca
5. Global payments regulation evolves — The October 2025 regulatory update notes that the Financial Stability Board and International Organization of Securities Commissions (IOSCO) issued reports on implementation of global crypto-asset regulation, signalling rising scrutiny of cross-border payments, digital assets and stable‐coins. www.hoganlovells.com

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Startup, Funding & Product Innovations

1. Stable-coin funding for emerging markets — ZAR raised US$12.9 m (Oct 28) to bring dollar-backed stable-coins to Pakistan’s unbanked, via local kiosks and remittance agents, paired with Visa-card integration. FinTech Weekly – Home Page
2. New launch stories- roundup (Oct 29) — The fintech media highlight list features a number of new product launches this month: e.g., Salt Bank partnering with German fintech Upvest to launch in-app securities trading in Romania; and the UK scale-up unit mentioned above. FinTech Futures
3. Infrastructure startup landing Series A — Saturn Fintech Ltd. raised €12.9 m in Series A (Oct 2025) to advance their fintech-SaaS infrastructure. The SaaS News
4. Payments orchestration & embedded rails — The Modern Treasury/Beam acquisition (see above) emphasizes fintechs layering in both fiat and stable-coin rails for real-time treasury and payments capabilities. FinTech Futures
5. Payments + AI convergence — The Paygentic raise (see above) reveals startups combining agent-driven (i.e., AI) products and payments infra — the next wave of embedded finance. Hoganlovells

Final Words

As fintech continues to merge with AI, regulation, and real-time payments, the industry is entering a phase where agility and security define success. For operators in high-risk, compliance-driven sectors — from iGaming to fintech and payment platforms — these developments underline the need for resilience, transparency, and proactive security validation.
Stay tuned with ONSEC.io for weekly insights into how technology, trust, and innovation converge in the global financial ecosystem.