The fintech industry has rapidly evolved, reshaping financial services with technologies like digital wallets, peer-to-peer lending, and robo-advisors, thereby pressuring traditional banks to innovate. A central theme is the demand for real-time, seamless user experiences that mirror other digital interactions, driving fintech companies to adopt technologies like real-time APIs to provide instant transaction feedback, connect payment terminals efficiently, and update crypto prices promptly. These capabilities are crucial for maintaining customer satisfaction and adhering to regulatory requirements. Additionally, fintech platforms face challenges in real-time decision-making, particularly in fraud detection and risk management, necessitating the use of predictive analytics, machine learning, and AI to provide swift, data-driven insights and interventions. The industry's reliance on speed, scalability, and reliability underscores the importance of real-time data in enhancing user experience and operational efficiency, positioning companies like PubNub as key enablers with their real-time streaming capabilities.