Fintech ESG 7 Big Trends

Dinis Guarda
8 min readAug 27, 2022


ESG, Digital Assets, Metaverse NFTs, Healthcare Fintech, AI Open Finance

Fintech #ESG #research #infographic by Dinis Guarda
History of Money, Value — Past — Present — Future

History of Money, Value — Past — Present — Future — How the 4IR blockchain NFTs and AI Metaverse Ecosystems, infographic by Dinis Guarda

Our times are revolutionary for the future of fintech and digital assets. History tell us money is changing and will continue changing. It is mostly how we see value and how we exchange value in our tribes, society, nations and trade corridors. Fintech reflects the present revolution of our times how finance and technology converge and create new paths to drive our civilisation and our business, personal and community efforts.

As we speak there is a major shifty going when it comes to Fintech and specially how our society is changing We are seeing the emergence of new carbon neutral strategies, NFTs, and the Metaverse. It will see the increased importance of ESG — the Environmental, Social, and Governance investment factors. These will be driving most of the trends for the world economy overall.

To summarise these are the top areas to consider:

1. ESG 360 will become DNA for finance and businesses

2. Digital assets, including Bitcoin, become mainstream

3. Metaverse NFT certification web3 will become mainstream

4. Carbon footprint becomes the new financial credit score

5. The healthcare sector and data becomes new ID fintech footprint

6. DeFi and Cefi increasingly merge becoming 2 ways 1 way fintech

7. AI Open Finance Web3.0 Metaverse will lead / disrupt / replace the global financial economy & society

Last years were years of fostering innovation and digital transformation for fintech and for our society, partly because of the Covid-19 pandemic. However, 2022 will accelerate the AI and P2P growth, creating fintech-driven communities continuously using Blockchain, the Metaverse, and NFTs as critical pillars of their foundations.

The financial services continued to have its waves and moments, as fintech fundraising surpassed the levels seen in previous years. The next years we might experience some troubles in the financial sector. Hence why, we project that 4IR and society 5.0 will drive fintech. These technologies will transform our society in a way that welcomes fintech into all business sectors, with a view that every business becomes a fintech eventually.

According to the data from Infinite Market Capitalisation, the market cap of Ethereum has surpassed that of every global bank, including JP Morgan.

1. Digital assets, including Bitcoin, become mainstream

As the businesses evolved over the previous decades, taken over by the internet and wireless communications in every dimension, the use of crypto is gradually becoming a common trend, especially in the financial services industry. Finance-related apps are increasingly adding crypto products and features to their wallets. For example, some challenger banks are allowing their customers to increase their share of yield by offering DeFi (decentralised finance) solutions. Similarly, larger banks are experimenting, for now at a small scale, with lucrative crypto offers. Another trading app, Robinhood, has recently started to allow crypto trading on its platform.

To facilitate the integration and management of the correct balance between the fiat and crypto financial solutions, we will see the advent of more (and better) crypto infrastructure. This trend will enable the consumers to utilise transfers, yield, and many more related services. Further, these infrastructure moves will support a new wave of fintech companies, giving rise to a revolutionary phenomenon — DeFi mullets in 2022 (DeFi in the back end, and fintech at the forefront).

Over the past decades, Bitcoin has entered the mainstream to successfully become a value store. After a slow rise, it gained immense traction during 2021, reaching all-time-highs, building up a considerable demand for the cryptocurrency. This trend is promising to blossom in the coming year, with the increase in trust among the users of the underlying blockchain technology.

2022 looks very promising for Bitcoin owing to its guerilla style marketing strategy involving word-of-mouth practice and heightened expectations due to promising projections. Further, its unpopularity amongst the federal governments is one of the factors that drive the victims of the flawed system of traditional banking to embrace the revolutionary technology.

2. Institutional retail interest in digital assets grows

With many institutions accepting the trade of cryptocurrency for carrying our their businesses, masses are increasingly vesting in their trust in the blockchain technology. By the end of the previous year, institutional investments started flowing in from the like of — The European Investment Bank, Visa, JP Morgan, Square, and even Twitter.

The trend looks even brighter for the coming year with the rise of more crypto exchanges over the marketplace. This is bringing more cash flows due conversions from the fiat currencies to cryptos. The technology seems to be evolving with the passage of time, tempting many new players to enter the grounds.

3. A shift to Metaverse experiences progresses

The web-based social platforms — Reddit, Twitter, Meta, and other online discussion forums are constantly discussing crypto for good reasons. A variety of participants- crypto enthusiasts, investors, and traders are increasingly getting involved in almost every manner- discussion forums, chats, and even live interactive broadcasts. These are the enlightening sources that can guide a seasoned as well as a new entrant in the world of crypto about the price trends, trading strategies, and volatility.

Community level crypto fundraisers like GameStop saga, ConstitutionDAO, or Citadel’s Ken Griffin provide an illustrious picture of the digital community that willingly directs its funds for a greater cause. Such a trend will gain momentum in 2022 where collective action of the community would involve various technological solutions like NFTs, digital assetisation, and Metaverse experiences.

4. Carbon footprint becomes the new financial credit score

ESG (Environmental, Social, and Corporate Governance) is a critical aspect of our modern-day sustainable living.

According to an estimate by OECD and World Bank, an investment of 6.9 trillion will be required by 2030 to meet the ESG targets for climate and development. The current spending on infrastructure is no more than USD 3.4–4.4 trillion, lagging significantly more than what is required.

Fiscal constraints and societal challenges like health, ageing population, and education overwhelm the governments and central institutions in bridging this gap. These enormous infrastructure challenges make it difficult to realise the UN estimates that by 2050, approximately 70% of the global population would be inhabiting the urban areas. Thus, while governments, communities, and businesses would be upgraded to an equal economic status, the society still faces the challenge to increase the momentum of development with innovation and technological advancements.

5. The healthcare sector becomes fintech-savvy

Some fintech products have the potential to be a breakthrough for the healthcare sector. In this industry, diversification into new revenue streams is critical. The payments are usually complicated (using the third-party payer system), for instance, which means that traditional products such as Stripe may not be the answer. The potential here is enormous.

6. Metaverse, NFTs, and DeFi increasingly merge with fintech

Decentralisation is the term of the day. Everyone is speaking about it. DeFi (Decentralised Finance) is not just a trend, however. It is clear that the everyday person is tired of centralised money supply control; the growth of Bitcoin and other cryptocurrencies proves that. And although the federal government may still stop this development and come in with new regulations, this would be against the wishes of its electorate.

7. AI Web3.0 community will lead the global financial economy and society

The current financial system is not working for everyone, it is clear. The communities that have been unable to build generational wealth are looking for a meaningful alternative. This is where Web3.0 comes in. It’s constituency is young and diverse. Statistically, 9% of millennial voters, 73% of Hispanic voters, and 79% of Black voters are more likely to support a candidate who agrees that we should expand Web3.0.


“It is not the strongest of the species that survives, nor the most intelligent that survives. It is the one that is the most adaptable to change” — Charles Darwin.

If the 1st generation of the digital revolution brought us the Internet of information and data, the 2nd generation, now powered by blockchain + AI, as well as NFTs and Web3.0, is bringing us the Internet of value, money as digital assets, and digital twins identity.

We are now at a stage where digital community, token-driven platforms are the go to platforms reshaping the world of business, healthcare, wellness, finance, and human affairs.

Finance is about managing financial assets. What we are experiencing now is all about technology and data but without forgetting the basics — the relationships between clients/partners.

New technologies are rapidly reshaping the entire financial services sphere. Fintech is no longer the headline, it is now the industry reality. Banks, insurers, and asset managers are knee-deep into the potential of such technologies. These will soon merge with Web3.0 integration. Blockchain, NFTs, and increasingly the Metaverse, where digital twins will become the integral part of our lives.

These technologies are the main drivers helping transform the finance industry and to stay on top of ever-changing consumer expectations. 2022 will be a powerhouse year for substantial disruption in this area.


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Dinis Guarda

CEO Founder author @citiesabc_ @intelligenthq @openbusinesshq @fashionabc_ @HedgeThink @tradersdna @ztudium #AI #tech #blockchain #Fintech #smartcities #ideas