That second question is the entire point of fintech stakeholder analysis, and it has never had more money riding on it. This article explains what stakeholder analysis means in that context, who the players are, and why the exercise matters for both consumers and businesses. What fintech stakeholder analysis actually coversStakeholder analysis is a structured way of identifying every group that can affect, or is affected by, a financial technology product. Retail users accounted for 62.91 percent of the US fintech market in 2025, according to Mordor Intelligence. How the market splits across stakeholder interestsMarket structure tells you where each stakeholder group spends its attention.