英国金融科技投资2025年大幅下滑21%

Group 1 - The core point of the article highlights a 21% decline in UK fintech investment in 2025, despite growth in global and EMEA fintech investments [2][5] - In 2025, UK fintech companies received $10.97 billion (£8 billion), down from $13.35 billion the previous year, marking the lowest level since the COVID-19 pandemic [2] - The EMEA region saw over $29 billion invested in fintech companies in 2025, an increase from approximately $26.5 billion in 2024 [2] Group 2 - The UK remains a major capital recipient in the EMEA region, accounting for about one-third of total investments, despite the decline [2][6] - Revolut, a UK-based bank, secured $3 billion in investment, the largest single investment in Europe for the year [2] - The report from KPMG attributes the decline in UK fintech investment to geopolitical tensions, investor scrutiny, and a high-interest rate environment [2][5] Group 3 - Global fintech investment reached $116 billion in 2025, up from $95 billion in 2024, indicating a positive trend despite ongoing macroeconomic and geopolitical risks [3] - The combination of a stronger exit market, clearer regulatory environment, and accelerated innovation is seen as a constructive foundation for sustained investment and long-term value creation [3] Group 4 - AI adoption in the financial services sector in the UK is widespread, with all but 1% of companies utilizing AI technology [4][7] - AI is described as the "connecting organization" in the financial industry, driving advancements in real-time fraud detection, personalized product recommendations, and dynamic customer engagement [4] - Institutions are now focusing on where AI can provide tangible value and how to deploy it responsibly, rather than debating its adoption [4]