Silverflow Calls Time on Outdated Payment Systems as Fintech Faces Uncertain Investment Future

Silverflow, the new standard in payment processing, is spotlighting two of the biggest conversations in payments right now: the dead weight of legacy infrastructure and a divided outlook on fintech investment.

Outdated back-office systems are still the single biggest drag on innovation, according to the experts that Silverflow recently spoke with. Banks and merchants know they need to modernise but many are still wrestling with “old pipes” that are expensive to run, slow to change and impossible to connect with today’s platforms. It is a problem that is only getting louder as more financial institutions in 2025 make payments modernisation a top priority to compete in an industry built on speed and scale.

“So many firms tell us they want to launch new products, expand globally, or improve customer experience, but they are stuck dealing with twenty-to forty-year-old code,” said Anne Willem de Vries, Co-Founder and CEO at Silverflow. “It is like trying to race a Formula One car on cobblestones. The future is about building tech that removes that drag, not adds to it.”

While the technology question is pressing, money matters just as much. The fintech investment landscape looks split right down the middle. Some industry voices expect growth to return in the next few months, while others warn the recovery could be more than 18 months away. Data from Innovate Finance shows global fintech investment reached 24 billion dollars in the first half of 2025, a modest rise compared with late 2024, yet the UK market slid by 5 percent year-on-year to 7.2 billion dollars.

“What I didn’t expect was just how divided people are about the recovery,” added de Vries. “Half the people we speak to are gearing up for rapid acceleration, the other half are planning for a long winter. I think we will see a more clear divide between the winners who will continue to get funding and those who need to gear up for rougher times.”

Silverflow believes these two narratives, modernising the rails and navigating the uncertain funding climate, will shape the payments industry in 2025 and beyond.

To learn more, visit: https://www.silverflow.com/