UK Fintech Software Market Size, Share, Growth 2025-33

UK Fintech Software Market Size, Share, Trends and Forecast by Deployment, End-User, and Region, 2025-2033

Report Format: PDF+Excel | Report ID: SR112025A29784

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UK Fintech Software Market Overview:

The UK fintech software market size reached USD 1.68 Billion in 2024. Looking forward, IMARC Group expects the market to reach USD 2.76 Billion by 2033, exhibiting a growth rate (CAGR) of 5.70% during 2025-2033. The increasing adoption of digital banking, rising demand for financial inclusion, advancements in artificial intelligence (AI) and blockchain, enhanced regulatory support, the expansion of mobile payment solutions, and a shift towards cashless transactions driven by customer preferences for seamless and secure digital financial services are some of the key factors supporting the market growth.

Report Attribute	Key Statistics
Base Year	2024
Forecast Years	2025-2033
Historical Years	2019-2024
Market Size in 2024	USD 1.68 Billion
Market Forecast in 2033	USD 2.76 Billion
Market Growth Rate (2025-2033)	5.70%

UK Fintech Software Market Trends:

Increasing Adoption of Digital Banking

The extensive adoption of digital banking is a key trend driving the fintech software market in the United Kingdom. In a changing financial landscape, conventional banks are increasingly adopting digital platforms to enhance customer experiences and maintain competitiveness. Fintech software allows banks to deliver customized services, enhance processes, and provide round-the-clock banking access via mobile applications and web platforms. People can conduct different financial activities, including payments, transfers, and investments, without needing to visit banks in person. The transition to digital banking, driven by the emergence of neobanks and challenger banks providing fully online services, usually with reduced fees and quicker transaction times, is supporting the growth of the market. In 2024, digital bank Zopa raised €80 Billion (£68 Billion) in an equity funding round led by A.P. Moller Holding to increase growth ahead of its 2025 current account launch. The funds were set to support Zopa’s expansion, including launching a GenAI proposition and enhancing financial products.

UK Fintech Software Market Size

Advancements in Technology

Ongoing advancements in artificial intelligence (AI) and blockchain technology are also propelling the UK fintech software market. Tools powered by AI are transforming financial services through improved automation, fraud detection, and customer insights. Machine learning (ML) algorithms enable fintech companies to examine large volumes of data to recognize patterns, forecast user behavior, and provide customized financial products. AI is utilized to enhance user service with chatbots and virtual assistants that offer immediate assistance and cut down response times. Moreover, blockchain technology is transforming financial transactions through the establishment of secure, transparent, and decentralized systems. Moreover, prominent fintech firms are expediting the integration of AI-powered solutions to improve efficiency in structured finance. In 2025, Semeris, a fintech startup located in London, secured €4 Billion to grow its platform and address the increasing need for AI-enhanced solutions in structured finance. The firm offers AI-driven tools for examining legal documents in structured finance markets, with the goal of improving efficiency and minimizing turnaround times in the review process.

Rise of Mobile Payment Solutions

With the rising usage of smartphones and the increasing preference for cashless transactions, mobile payments are becoming an essential part of the financial ecosystem. Fintech firms are creating groundbreaking payment apps and platforms that allow users to make seamless and secure transactions through their mobile devices. Contactless payments, digital wallets, and peer-to-peer payment solutions are becoming more popular, especially among younger individuals who prefer convenience and speed. This shift towards mobile payments is enhancing user experiences and creating opportunities for fintech software providers to develop new and advanced solutions, thereby providing an impetus to the market growth. In 2024, Revolut, a fintech company based in the UK, introduced its mobile wallets feature to simplify international money transfers. The function enables users to transfer money by simply using the recipient's phone number or email, removing the necessity for intricate bank information and guaranteeing faster, more convenient transactions.

UK Fintech Software Market Segmentation:

IMARC Group provides an analysis of the key trends in each segment of the market, along with forecasts at the regional level for 2025-2033. Our report has categorized the market based on deployment and end-user.

Deployment Insights:

Cloud based
On-premises

The report has provided a detailed breakup and analysis of the market based on the deployment. This includes cloud based and on-premises.

End-User Insights:

Banking
Insurance
Securities

A detailed breakup and analysis of the market based on the end-user have also been provided in the report. This includes banking, insurance, and securities.

Regional Insights:

London
South East
North West
East of England
South West
Scotland
West Midlands
Yorkshire and The Humber
East Midlands
Others

The report has also provided a comprehensive analysis of all the major regional markets, which include London, South East, North West, East of England, South West, Scotland, West Midlands, Yorkshire and The Humber, East Midlands, and others.

Competitive Landscape:

The market research report has also provided a comprehensive analysis of the competitive landscape. Competitive analysis such as market structure, key player positioning, top winning strategies, competitive dashboard, and company evaluation quadrant has been covered in the report. Also, detailed profiles of all major companies have been provided.

UK Fintech Software Market News:

In January 2025, iplicit, a London-based cloud accounting software platform secured €29.7 Billion in investment from One Peak to accelerate product development and growth. Investment will help iplicit in strengthening its status as a top cloud accounting solution for the UK mid-market.
In August 2023, UK FinTech Growth Partners LLP launched the FinTech Growth Fund, backed by industry leaders like Barclays, NatWest, and Mastercard, to support UK fintech companies in scaling from Series B to pre-IPO stages. With a focus on equity and equity-linked securities, the fund was expected to deploy capital starting in Q4 2023 and make minority investments in four to eight fintechs each year, ranging from £10 to $100 Billion.

UK Fintech Software Market Report Coverage:

Report Features	Details
Base Year of the Analysis	2024
Historical Period	2019-2024
Forecast Period	2025-2033
Units	Billion USD
Scope of the Report	Exploration of Historical Trends and Market Outlook, Industry Catalysts and Challenges, Segment-Wise Historical and Future Market Assessment: Deployment End-User Region
Deployments Covered	Cloud based, On-premises
End-Users Covered	Banking, Insurance, Securities
Regions Covered	London, South East, North West, East of England, South West, Scotland, West Midlands, Yorkshire and The Humber, East Midlands, Others
Customization Scope	10% Free Customization
Post-Sale Analyst Support	10-12 Weeks
Delivery Format	PDF and Excel through Email (We can also provide the editable version of the report in PPT/Word format on special request)

Key Questions Answered in This Report:

How has the UK fintech software market performed so far and how will it perform in the coming years?
What is the breakup of the UK fintech software market on the basis of deployment?
What is the breakup of the UK fintech software market on the basis of end-user?
What is the breakup of the UK fintech software market on the basis of region?
What are the various stages in the value chain of the UK fintech software market?
What are the key driving factors and challenges in the UK fintech software market?
What is the structure of the UK fintech software market and who are the key players?
What is the degree of competition in the UK fintech software market?

Key Benefits for Stakeholders:

IMARC’s industry report offers a comprehensive quantitative analysis of various market segments, historical and current market trends, market forecasts, and dynamics of the UK fintech software market from 2019-2033.
The research report provides the latest information on the market drivers, challenges, and opportunities in the UK fintech software market.
Porter's five forces analysis assist stakeholders in assessing the impact of new entrants, competitive rivalry, supplier power, buyer power, and the threat of substitution. It helps stakeholders to analyze the level of competition within the UK fintech software industry and its attractiveness.
Competitive landscape allows stakeholders to understand their competitive environment and provides an insight into the current positions of key players in the market.

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