In recent years, the financial sector has witnessed a series of transformations that have dramatically changed the way capital companies and institutions work. Changes that are continuing to happen at a ferocious pace.

Discover what's behind the trends that are shaping the global financial market.

© MJV Technology & Innovation 2021

In the 2022 MJV trends report, we focus on the changes that have been systematically taking place in the market, from different perspectives:



MJV Technology & Innovation

For more than 20 years, MJV Technology & Innovation has helped to influence innovation and solve business challenges with some of the biggest companies in the world. With offices in Europe, the United States and Latin America, the consultancy has a multidisciplinary team, composed of more than 1000 professionals divided between designers, engineers, anthropologists, data scientists, developers, entrepreneurs and much more.

We believe in collaborative work and apply Design Thinking and Agile Methodology as a guide for all the projects we develop.

The MJV is composed of five pillars, structured in complete synergy:

Technology Consulting
Development and implementation of personalized services in the areas of Business Analytics, IT and Internet of Things (Internet of Things).

Digital Strategy
Development and implementation of corporate strategy and User Experience, positioning Digital Transformation as the guiding principle business.

Professional Outsourcing
Allocation of UX, UI, Marketing and IT professionals, with strategic and operational monitoring by MJV, optimizing deliveries.


Innovation in Business
Development and implementation of innovative solutions, with the objective of reducing costs, increasing and generating new revenues, in addition to developing new business models.




Use our Trends Report to get ahead in 2022


Pillars of financial market transformations for 2022

1. Trend: ESG

2. Trend: Open Finance

3. Trend: Invisible Bank

4 Trend: AI Transformation

of consumers expect companies to take an active stance on social, environmental, and political issues

According to a survey by "Social Sprout"

ESG Transformation
Development and implementation of positive impact solutions considering aspects of the entire ecosystem, looking at the business, people and the planet.


The sector, which just over a decade ago saw the dawn of fintechs, also, in a short space of time, has witnessed the opening of APIs and Open Finance. Currently, the micro-revolution of the moment is the so-called ESG investments, based on good socio-environmental practices. And we are probably nowhere near the peak heights of these movements, as businesses adapt to the more socially conscious and aware world we find ourselves in.

But why is all this so relevant? Because of the impact on the customer -  it has totally changed consumer behavior.

With each advance in technology and regulations, the market has become more complex, as if a new piece is added to a business puzzle.

There are game-changing elements, which have beckoned with increasing digitization (and sometimes dematerialization) of financial services — as well as an almost symbiotic approximation between different industries. All of which gives rise to new unpublished business models.

And it is not about to stop any time soon, because, as you may already know, Digital Transformation is not a finish line. It's a path.

Introduction: The new normal is not so new

Conclusion: 2022, we're ready!

Plus: Design Thinking Tools

Top 10 DT Tools for you to experiment change.

Download our Financial Services 2022 Report


Download the Financial Trends Report


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