Here are some of the top fintech trends affecting investing in 2023:

• Automated investing platforms like robo-advisors are gaining significant traction with automated portfolio management, algorithmic trading, and access to fractional shares.
• Mobile investing apps are allowing more user-friendly investing and trading from smartphones. Features include commission-free trades, social trading, and AR/VR.
• API integration and open banking are enabling more connections between apps, data, and banking services to provide consolidated platforms.
• Cryptocurrency adoption is accelerating with major financial institutions offering access and services related to digital assets and blockchain-based finance.
• Artificial intelligence and big data utilization for areas like sentiment analysis, quantitative trading algorithms, predictive analytics, and robo-advising.
• Embedded finance, allowing non-financial companies to offer financial services, is expanding financial access and options.
• Regulatory innovations like regulatory sandboxes are allowing controlled launches of new fintech models to foster innovation.
• Decentralized finance (DeFi) is building open, blockchain-based alternatives to traditional financial intermediaries.
• Payments innovation continues with real-time settlement, cross-border remittances, and the rise of stablecoins.

These trends are driving new investor solutions while increasing access, automation and functionality in money management. However, they also bring risks as well as benefits.