This interview features Krishna Subramanyan discussing the major FinTech trends expected to shape the financial industry in 2025. The conversation highlights the growing importance of embedded compliance, where regulatory processes are integrated directly into digital workflows to improve efficiency and reduce operational costs. Subramanyan also explains that digital assets and central bank digital currencies are likely to gain wider mainstream acceptance due to more supportive political and regulatory environments. The interview identifies artificial intelligence as a key driver for improving operational decision-making, strengthening security systems, and enhancing risk management. Additionally, these technological developments are expected to make cross-border payments faster, more accessible, and more efficient for businesses, especially SMEs. Overall, the discussion demonstrates how innovation is helping financial institutions manage an increasingly complex global regulatory landscape while improving customer experiences and operational agility.