Insights from Money20/20 Europe 2025 – UX and Fintech Trends by VOYA Digital

In the vibrant streets of Amsterdam, at the beginning of June, thousands of people shaping the future of financial technologies came together. Money20/20 Europe is not just a trade show; it’s a stage where the pulse of fintech beats and new trends emerge. As VOYA Digital, we were excited to take our place on that stage.

What is Money20/20 and Why Does it Matter?

Money20/20 Europe is one of the largest and most influential fintech events in Europe. It brings together thousands of professionals working in banking, payment systems, cryptocurrencies, regulatory technologies, artificial intelligence, and user experience. Giants like Mastercard, Visa, Revolut, Stripe, Ripple, and Fireblocks shared the stage alongside startups—an indication of how inclusive and transformative the industry has become.

Our Key Observations: What’s Trending in Fintech?

1. From Crypto to Fiat: The Integration Race

One of the key themes this year was the integration of cryptocurrencies with fiat systems. As European regulations begin to take shape, a growing number of startups are developing solutions in this space.

Stablecoin-based payment services, real-time crypto-fiat conversions, and blockchain-powered cross-border transfers stood out. Many startups targeting markets in Latin America and Africa claimed cost advantages of up to 70% over traditional systems.

Live demos showcased in many booths demonstrated that these technologies have moved beyond the idea phase and are now being tested in real-world user scenarios.

2. Regulation is Now Part of the Game

New EU regulations like MiCA (Markets in Crypto-Assets Regulation) are directly impacting the fintech ecosystem. Panel discussions emphasized that MiCA licensing is no longer a burden but a trust indicator for market entry.

For fintechs operating in areas like customer data, KYC processes, and payment infrastructure, regulations are increasingly seen as competitive advantages rather than barriers.

3. User Experience is More Critical Than Ever

User experience (UX) has evolved far beyond visual design. One of the standout themes at Money20/20 Europe was "trust through experience." Features such as intuitive onboarding, tone of microcopy, psychological clarity in error messaging, and transaction transparency are now headline points—even in investor decks.

Products are being evaluated less on “how they work” and more on “how they make users feel.”

4. Strong Presence of Turkish Companies

This year saw a notable increase in participation from Turkish companies. Startups in payment systems, POS solutions, and digital wallets attracted considerable attention.

Beyond exhibitors, we encountered many Turkish fintech professionals during networking sessions. The visibility of Turkey’s young, agile, and technically skilled fintech ecosystem on the European stage was truly exciting and encouraging.

Why UX Matters More in Fintech

Fintech can be complex, but users expect simplicity. That’s why UX design is no longer just about visual appeal; it’s essential for a product’s credibility, accessibility, and long-term success.

Several companies at Money20/20 shared that lack of UX strategy is becoming a red flag for investors. For instance, in a mobile wallet A/B test, the version offering “try before sign-up” achieved 43% more active users. These kinds of insights directly prove the business impact of thoughtful UX.

From Crypto Wallets to Embedded Finance

Many companies showcased how traditional financial tools are being streamlined via embedded finance. Examples included:

• Micro-payments integrated directly into social media apps
• Platforms enabling freelancers to receive direct crypto payments
• Single QR code systems for both receiving payments and generating invoices

Each of these reflects how user-centered thinking translates directly into product innovation.

What This Event Meant for VOYA Digital

At VOYA Digital, we’ve been developing UX and product strategies for the fintech space for many years. From digital wallets and virtual POS systems to investment platforms and blockchain-based services, our work is deeply rooted in design thinking. Money20/20 Europe provided us with a platform not only to observe global trends but to validate our own solutions on an international stage.

Where Do We Stand in These Trends?

• We create UX strategies for startups working on crypto-to-fiat solutions. We focus on building transparent conversion flows, real-time exchange rate visibility, and reversible transaction mechanisms to build user trust.
• We develop UX models tailored for regulatory compliance—especially around streamlined KYC and onboarding processes that are fast, intuitive, and accessible.

Conclusion: In Fintech, Design is Now Strategy

Money20/20 Europe demonstrated that the future of fintech is not just about “what’s new” but “who is it for?”—a shift toward more human-centered innovation. UX, crypto, regulations, payment systems... All must be both technically sound and emotionally intuitive.

At VOYA, we remain committed to embedding this user-first mindset into every layer of design. As we move forward, our goal is to expand our footprint in fintech both in Europe and Türkiye—building better digital products with and for people.