Smart Money Moves Start with Smart Voices.

The fintech revolution doesn’t just happen in boardrooms or banks anymore — it happens on X.

Every day, thousands of founders, analysts, and thought leaders share insights that shape how we think about money, tech, and the future of finance.

But in an age where everyone’s posting, whose insights actually matter?

Here’s your definitive guide to the 20 Fintech Influencers on X (formerly Twitter) who are shaping the financial landscape — and why following them can sharpen your perspective in 2025.

Why Fintech Influencers Matter

Fintech is moving fast — digital banking, AI credit scoring, blockchain payments, decentralized finance (DeFi), wealth apps, and regulatory tech all evolve in real time.

By following the right voices, you can:

• Spot trends before the market reacts
• Learn from founders and investors who’ve done it before
• Find real use-cases for AI, crypto, and open banking
• Expand your professional network with purpose

According to a 2024 Edelman survey, 72% of fintech executives rely on social media, especially X, for early-stage trend discovery.

That’s why X isn’t just a news feed anymore — it’s a data stream for the future of finance.

How We Picked These Influencers

We analyzed over 500 active fintech voices on X based on:

• Posting frequency and engagement ratio
• Topic relevance (fintech, payments, banking, crypto, regtech, AI finance)
• Original insights vs. reposts
• Audience quality (verified, engaged followers)

Only those who combine expertise, clarity, and consistency made the list.

The 20 Fintech Influencers You Should Follow on X

1. Simon Taylor (@sytaylor)

Co-founder of 11:FS | Fintech Strategist

Simon simplifies complex banking tech like no one else. From open banking to CBDCs, his threads read like micro-masterclasses.

Follow for: sharp fintech insights, trend forecasting, and bank innovation.

2. Chris Skinner (@Chris_Skinner)

Author of “Digital Human” | Global Fintech Speaker

One of fintech’s most respected voices. Chris has been decoding banking’s digital transformation for over a decade.

Follow for: thought leadership, future of banking, AI-driven finance.

3. Helen Yu (@YuHelenYu)

Founder of Tigon Advisory | Growth Strategist | Tech Futurist

Helen Yu bridges the worlds of AI, fintech, cybersecurity, and customer experience. A true digital transformation evangelist, she helps companies scale sustainably by aligning technology with humanity.

Her posts bring together the big themes defining fintech’s future — from AI-driven analytics to data ethics and customer trust. Helen’s threads stand out because they blend strategy, empathy, and foresight.

Follow for: intelligent fintech commentary, digital transformation leadership, and human-centered innovation.

4. Maximilian Friedrich (@maxmhfriedrich)

Managing Partner at Autopilot | Former Fintech Analyst at ARK Invest | Investor in the Future of Finance

Maximilian Friedrich brings an investor’s precision to the fintech conversation. As Managing Partner at Autopilot, a thesis-driven investment firm, and with years of experience at ARK Invest, he dissects the intersection of fintech innovation, market structure, and technology scalability.

His feed is a masterclass in financial foresight — from emerging payments infrastructure to AI’s role in banking. Friedrich’s tweets often link macroeconomic shifts to startup opportunities, offering clarity for fintech founders and investors alike.

Follow for: sharp market analysis, investment insights, and the future playbook of digital finance.

5. Jean-Baptiste Lefevre (@jblefevre60)

Head of Digital & Social Media | Chief Digital Officer | Global Fintech Influencer

Based in Paris, Jean-Baptiste Lefevre is one of Europe’s most visible fintech and digital transformation voices. As Head of Digital & Social Media and a seasoned growth hacker, he bridges the gap between financial innovation and emerging tech ecosystems — from AI and 5G to cloud and cybersecurity.

Jean-Baptiste’s feed is a daily pulse of the global fintech scene — filled with live insights from events like VivaTech and CES, thought-provoking commentary on machine learning in finance, and a strong emphasis on responsible digital evolution.

Follow for: real-time fintech updates, innovation leadership, and expert insights into the convergence of AI, finance, and digital culture.

6. Spiros Margaris (@SpirosMargaris)

Global Venture Capitalist | #1 Fintech & Banking Influencer | AI Visionary

Spiros Margaris is a name synonymous with global fintech thought leadership. Recognized by Refinitiv and Onalyticaas the #1 fintech and banking influencer, Spiros is a bridge between innovation, investment, and impact.

As the founder of Margaris Ventures, he mentors, invests in, and amplifies startups redefining the fintech and AI landscapes. His insights blend visionary foresight with practical relevance, touching everything from financial inclusionto AI-driven credit models and digital ethics.

Spiros’s timeline is an ongoing dialogue between tech futurism and human progress — whether he’s speaking at TEDx, supporting global ventures like SparkLabs, Natech, or Herado, or simply highlighting emerging innovators who matter.

Follow for: unmatched fintech vision, startup mentorship wisdom, and a steady stream of intelligent optimism about the digital finance revolution.

7. Ravisutanjani (@Ravisutanjani)

Fintech Thought Leader | Startup Ecosystem Builder | Growth Strategist

Ravisutanjani has become one of the most influential voices shaping the Indian fintech and startup narrative. With a background that spans leadership roles at Zomato, OYO Rooms, Testbook, and Jar App, he brings hands-on experience in scaling digital platforms at the intersection of finance, technology, and consumer behavior.

His X feed captures the heartbeat of India’s fintech revolution — from UPI innovation and digital lending to wealthtech and regulatory transformation. He doesn’t just report trends; he contextualizes them with real growth lessons from the ground up.

Ravisutanjani’s influence lies in his ability to make complex financial innovation relatable. His blend of product insight, market foresight, and growth analytics makes him an indispensable follow for founders, VCs, and fintech enthusiasts across Asia and beyond.

Follow for: actionable fintech insights, India’s digital finance success stories, and grounded commentary on scaling sustainable fintech models.

8. Marc R. Gagné MAPP (@OttLegalRebels)

Privacy Advocate | Cybersecurity Expert | Fintech Ethics Advisor

Marc R. Gagné stands at the crossroads of fintech innovation and digital ethics. As a privacy and cybersecurity advocate, and Director at INTERFIMA, PACC/CCAP, and Magnifintech, he’s among the rare influencers championing both technological progress and responsible innovation.

From his base in Ottawa, Marc uses X (formerly Twitter) to foster conversations about data governance, blockchain integrity, and financial privacy. His thought leadership extends beyond commentary — as a Telos Network adjudicator and Irish Tech News contributor, he offers grounded, expert perspectives on how regulation, AI, and decentralization intersect in the fintech landscape.

In an era where algorithms move faster than ethics, Marc Gagné’s voice brings balance — reminding fintech innovators that trust and transparency are the true currencies of the digital economy.

Follow for: privacy-focused fintech insights, cybersecurity trends, and critical analysis of the ethical future of finance.

9. Val Katayev (@ValKatayev)

Serial Entrepreneur | Fintech Investor | Builder Across AdTech, SaaS & Finance

Val Katayev represents the entrepreneurial spirit behind modern fintech innovation. An immigrant success story who bootstrapped his ventures from $0 to over $100 million in profits and exits, Val has built and scaled businesses across adtech, music, fintech, jewelry, SaaS, and real estate.

Now based in New York, he’s known for funding $1.7 billion in credit — a figure that reflects both financial acumen and deep trust in data-driven lending ecosystems. His posts on X combine sharp entrepreneurial insight with lessons in growth, risk, and innovation.

Val’s journey is proof that fintech isn’t just about technology — it’s about vision, persistence, and execution. His reflections on startup scalability, credit innovation, and disciplined investing make his account a goldmine for founders looking to turn bold ideas into enduring impact.

Follow for: hard-earned entrepreneurial lessons, fintech investment wisdom, and practical frameworks for scaling digital finance ventures.

10. Nik (@NikMilanovic)

Fintech Curator | Investor | Founder of This Week in Fintech

Few voices have shaped the global fintech conversation as consistently and insightfully as Nik Milanovic. As the founder of This Week in Fintech, a newsletter read by more than 200,000 fintech professionals, and General Partner at The Fintech Fund, Nik has become one of the most influential curators of ideas in the industry.

His posts on X offer a perfect blend of macro trends, startup spotlights, and policy commentary — helping founders, investors, and enthusiasts stay ahead of what’s next in digital finance. Through @twifintech, he highlights groundbreaking innovations from payments to DeFi, while his venture work through @thestablecon accelerates the next wave of financial inclusion startups.

Nik’s feed is a masterclass in understanding how technology and regulation collide — and how innovation thrives between them. He doesn’t just follow fintech’s evolution; he’s helping define its direction.

Follow for: curated fintech news, early-stage insights, and thought leadership that connects the dots across global financial innovation.

11. Cris Carrascosa ⚡️ (@CarrascosaCris_)

Fintech Lawyer | Blockchain Legal Architect | Digital Assets Pioneer

Cris Carrascosa is where law meets innovation in the fintech and crypto ecosystem. As a lawyer and founder of ATH21 Legal, she has been pioneering the field of digital asset regulation and compliance since 2014 — long before “crypto law” became a buzzword.

Based in Spain, Cris brings a refreshing blend of legal precision and industry pragmatism. Her X timeline is a hub for anyone trying to make sense of how regulation shapes crypto adoption, decentralized finance, and fintech innovation across Europe. Through her podcast Nada Que Ganar and her Substack, she turns complex legal concepts into accessible insights for entrepreneurs and policymakers alike.

Cris embodies what “Fintech Legal by Design” truly means — anticipating how technology evolves and building frameworks that let innovation scale safely. She’s not just interpreting the rules of the future — she’s helping write them.

Follow for: cutting-edge insights on fintech regulation, crypto law updates, and thoughtful discussions on the intersection of finance, ethics, and technology.

12. Daniel Crosby (@danielcrosby)

Behavioral Finance Expert | Author | Voice of Psychology in Fintech

Daniel Crosby brings the human mind into the heart of fintech. A psychologist by training and the author of acclaimed books like The Laws of Wealth and The Behavioral Investor, Crosby explores how emotion, cognition, and decision-making shape modern financial behavior.

Through his podcast Standard Deviations, Daniel bridges the gap between finance and psychology, unpacking why investors act the way they do — and how fintech products can adapt to real human tendencies rather than idealized market models.

His X account is an ongoing masterclass in behavioral finance, combining wit, data, and introspection. Crosby doesn’t just explain markets — he explains the people who make them move. His work reminds fintech builders that technology succeeds only when it understands the user behind the screen.

Follow for: insights on investor behavior, emotional biases in finance, and how fintech can design more human-centered financial experiences.

13. Patrick Abrar (@patrickabrar)

Tech Investor | Business Builder | Voice of the Future in Fintech & Web3

Patrick Abrar is one of Europe’s most prominent tech investors and digital visionaries, with a following of over 750,000on X. His insights cut across the connected worlds of AI, fintech, IoT, crypto, mobile, and Web3, making him a go-to figure for anyone watching the evolution of digital economies.

With a career that spans mobile innovation, internet ventures, gaming, and real estate, Patrick approaches fintech not as a siloed industry but as part of a larger technological transformation shaping how we live, trade, and interact. His posts reflect a macro view of disruption, emphasizing how cross-industry innovation fuels fintech’s next frontier.

What sets Patrick apart is his ability to translate complex technological shifts into strategic clarity for entrepreneurs and investors. Whether he’s discussing decentralized finance, blockchain infrastructure, or the future of digital payments, his perspective blends business experience with forward-looking realism.

Follow for: deep dives into fintech trends, Web3 adoption, AI integration, and the business strategies driving the next digital revolution.

14. Anna Irrera (@annairrera)

Fintech & Crypto Journalist | Senior Editor at Bloomberg Crypto | Sharp Voice in Financial Innovation

Anna Irrera is one of the most respected journalists covering fintech and crypto globally. As a Senior Editor at Bloomberg Crypto, she brings clarity, accuracy, and depth to some of the most complex topics in digital finance — from blockchain regulation and banking innovation to crypto market dynamics.

With over a decade in financial journalism, Anna has built a reputation for telling the real stories behind the fintech hype. Her work dissects how emerging technologies — from AI to DeFi — are reshaping traditional financial systems and influencing policy worldwide.

Based in London, Anna’s X feed is a smart mix of breaking crypto news, fintech commentary, and cultural insights. Her writing stands out for its balance of skepticism and curiosity, giving her audience both context and perspective in a field often dominated by noise.

Follow for: the latest updates on fintech regulation, crypto policy, blockchain innovation, and industry-defining narratives from one of the sharpest minds in fintech media.

15. Gary Cardone (@GaryCardone)

Fintech Investor | Bitcoin Advocate | Serial Entrepreneur in Energy and Finance

Gary Cardone is a veteran entrepreneur and investor whose influence stretches from energy markets to fintech innovation. With nearly four decades of business experience, Gary brings a rare blend of old-school market intuition and new-age digital strategy.

As an early believer in Bitcoin and decentralized systems, he’s been a vocal advocate for how blockchain can revolutionize global transactions. His insights often connect the dots between financial technology, macroeconomics, and the energy sector — revealing how fintech isn’t just reshaping payments, but redefining value exchange itself.

On X, Gary’s voice is both provocative and visionary. He frequently shares thoughts on startup investing, digital assets, and the evolving power dynamics of the financial world. His experience makes him a trusted figure for anyone seeking to understand how real-world markets meet fintech disruption.

Follow for: bold perspectives on Bitcoin, fintech investment, and the intersection of technology, capital, and global markets.

16. Joseph Raczynski (@joerazz)

Futurist | Global Speaker on AI, Blockchain & Fintech | Innovator in Digital Transformation

Joseph Raczynski is one of the most forward-thinking voices in AI, blockchain, and fintech innovation. Based in Washington, D.C., he bridges the gap between emerging technology and its geopolitical, financial, and societal implications.

As a global keynote speaker, author, and futurist, Joseph has become a trusted figure for industry leaders seeking clarity on where the digital economy is heading. His expertise covers everything from real-world asset tokenization (RWA) and decentralized finance to the governance frameworks shaping tomorrow’s financial systems.

On X, Joseph blends insights from the front lines of innovation with philosophical reflection. His feed reads like a roadmap for the future — covering fintech policy, AI ethics, and the technological shifts transforming business, law, and finance.

Whether you’re a policymaker, investor, or technologist, following Joseph means staying ahead of what’s next — not just what’s trending.

Follow for: thought leadership on AI, blockchain, fintech geopolitics, and the future of digital economies.

17. Tammy Camp (@TammyCamp)

CEO of Stronghold | Payments Innovator | One of Fortune’s 40 Under 40 in Fintech

Tammy Camp is a trailblazer in the payments and fintech ecosystem, combining entrepreneurial grit with deep technical expertise. As the CEO of Stronghold, a cutting-edge payments platform built on blockchain technology, she’s redefining how businesses move money — securely, instantly, and globally.

A former alumna of 500 Global, Stellar, and Walmart Labs, Tammy has spent her career at the intersection of financial infrastructure and emerging technology. Her leadership in tokenized payments, digital asset settlements, and real-time transaction systems puts her among the most influential fintech founders in the U.S.

Recognized by Fortune’s Ledger 40 Under 40, Tammy’s influence goes beyond product innovation — she represents the new face of fintech entrepreneurship: visionary, data-driven, and human-centered.

On X, she shares sharp insights about payments, blockchain integration, and startup growth strategies. Her feed is a masterclass in how fintech leaders can merge innovation with scalability to build the financial systems of tomorrow.

Follow for: blockchain-based payments insights, fintech leadership, and real-world applications of digital asset technology.

18. Michael Kitces (@MichaelKitces)

Financial Planning Expert | Fintech Advisor | Founder of Nerd’s Eye View

Michael Kitces is one of the most respected and influential thinkers in the financial planning and fintech advisory world. With his signature “Nerd’s Eye View” blog, he has built an educational empire dedicated to helping financial advisors, investors, and fintech enthusiasts understand the complexities of modern finance.

Known for his analytical rigor and deep expertise, Michael offers data-backed insights on everything from digital advisory platforms to evolving trends in financial technology, regulation, and behavioral finance. His ability to break down technical topics into clear, actionable advice has made him a trusted voice across fintech circles.

On X, his posts blend humor with high-level industry analysis. Whether he’s discussing the latest robo-advisor innovation or dissecting the future of digital wealth management, his content always bridges the gap between technology and human financial behavior.

Michael Kitces isn’t just following fintech trends — he’s helping shape how financial professionals adapt to them.

Follow for: smart, data-driven takes on financial planning, fintech tools, and the future of digital advisory ecosystems.

19. Maia Bittner (@maiab)

Fintech Builder | Investor in Women-Led Startups | Former Engineer Turned Fintech Advocate

Maia Bittner brings a rare mix of technical expertise, startup insight, and investor perspective to the fintech space. An engineer-turned-founder, she has spent her career building and scaling technologies that reshape how people interact with money.

As an investor with XFactor Ventures and Parcel BVC, Maia channels her energy into supporting women-led startupsand Olin College alumni innovators — helping the next generation of fintech creators get off the ground.

Her feed on X is refreshingly human. Between reflections on motherhood and technology, Maia offers thoughtful commentary on fintech product design, user experience, and startup culture. She doesn’t just talk about finance — she talks about the people, systems, and communities behind it.

Maia represents the human side of fintech innovation — empathetic, authentic, and relentlessly curious about the intersection of technology and life.

Follow for: authentic insights on fintech startups, product design, and women’s leadership in tech and venture capital.

20. Alvin Foo (@alvinfoo)

Venture Partner | Web3 and Fintech Visionary | ex-Google Leader and Startup Builder

Alvin Foo stands at the crossroads of fintech, AI, and Web3 innovation. As a Venture Partner at Chain Valley Capital and Co-Founder of NASDEX, he’s helping redefine how decentralized finance and tokenized assets will power the next generation of global markets.

A former Google executive, Alvin brings a deep understanding of how big tech and financial innovation converge. His posts on X explore the future of digital economies — from AI-driven trading models to Web3 payment infrastructure— always with a sharp focus on scalability, adoption, and real-world impact.

Beyond fintech, Alvin is a passionate advocate for AI, blockchain, and emerging technologies shaping the global digital economy. His voice bridges the technical and the visionary, offering both industry leaders and curious learners a front-row seat to where finance is heading next.

Follow for: thought-provoking takes on AI, fintech, blockchain, and the future of decentralized innovation.

If you don't want to follow these accounts but want to see their posts, you can follow their public Twitter list of mine and follow these accounts without really following them!

https://x.com/i/lists/1980256319392113146

How to Engage with Fintech Influencers

Don’t just follow — interact strategically.
Here’s how to turn follows into relationships:

1. Reply with context. Add thoughtful insights or examples.
2. Quote tweet key threads with your own perspective.
3. Use lists to segment fintech investors, founders, and journalists.
4. Analyze engagement using Circleboom’s Twitter analytics to see who interacts most.
5. Build genuine conversation threads — not comments for visibility.

Remember: algorithms reward conversation, not observation.

How Circleboom Helps You Stay Connected to the Right Voices

The fintech community on X is huge — but not all followers are valuable.
Circleboom helps you keep your fintech network clean, real, and engaged.

With Circleboom, you can:

• Identify inactive or bot followers in your fintech list.
• Export and analyze fintech accounts to spot the most engaging voices.
• Create and curate fintech Twitter lists automatically.
• Unfollow or block spammy accounts that clutter your professional network.

Because in 2025, building your fintech influence isn’t about having followers — it’s about understanding them.

Final Thoughts

Fintech isn’t slowing down — and neither should you.

The best way to stay ahead is to listen to the people shaping the conversation.

Follow these 20 fintech influencers to:

• Learn faster
• Engage smarter
• Grow stronger

And use Circleboom to make sure your fintech circle stays real, relevant, and worth your attention.

Clean your feed.
Curate your circle.
Circleboom your fintech network today.