With the ever-growing interest in the Fintech industry and its constantly changing environment, it is worth keeping on track of the critical trends, opportunities and challenges in the Fintech industry. We conduct an annual market survey that shows how players in the industry expect the market to evolve. The global economic climate in 2022 turned out to be tougher than we expected. But the Fintech industry is still evolving and growing. For existing businesses and new entrants into the industry, there is still huge potential to satisfy an increasingly sophisticated and demanding customer base.