
Fed 2025 Rate Cuts: Impact On Banks And Fintech

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The Federal Reserve's anticipated rate cuts in 2025 are expected to impact borrowing costs, deposit yields, and lending strategies across banks and fintech. Despite signals of easing, market pricing is slow to adjust, affecting bank margins and deposit rates. Mortgage rates have slightly decreased, but affordability remains strained. Fintech lenders are selectively lowering APRs, while small-business lending remains tight. The Fed's decisions and future guidance will influence pricing adjustments into 2026.

