Decades later, for instance, in the 2060s, what is expected in the FinTech ecosystem human resources pool? 

There is no doubt that FinTech startups are growing much faster compared to several other sectors. Having received around half-trillion dollar investment between 2016-2022, these enterprises will come forward in the future and will gather much consumer interest by offering innovative and advanced solutions. But will FinTech manage to carry the sustainability based on the advances of technology/human resources combination to further years, like the 2060s?

The question marks are not absent about the “human resource” related to the future. Generally, the view of the generation born after the 2000s as “relatively impatient and not inclined to work” is already causing intense uncertainty for the future tied to these alleged traits. While not dropping smartphones off their hands and appearing distanced from learning new things, the young generation is increasing the remarks of FinTech leaders on ‘the vital importance of a good team.’ The lack of talent issue is getting deeper as the remarkable increase in the ambition of leaving the country among Turkish youth… So, what is waiting for the ecosystem well beyond the current picture?

In this concept, it would be a wise move to direct the argument toward the people who we may call futurists, who provide future predictions mainly based on the daily signs; the research in institutions and laboratories. Automation will make transformation inevitable. Despite the majority of the work being processed by trade algorithms in the financial market, experts agree that the future will differ from artificial intelligence (AI), machine learning (ML) and robotics. For example, in the blue-collar world, there will be fundamental changes in some of the work branches, but the hunger of the industries for bright, hardworking and productive minds will never end. As FinTech leaders underline ‘the importance of a good team’ in the 2020s, this won’t change in the future either. But, the picture may be significantly different in the 2060s compared to our day.

Firstly, starting from the 2010s, the main goal stemming from the social media and mobile technologies sectors as “the approach of making minds addictive to the digital world” and the “enormous revenues” brought by this approach have been felt widely. The strong expectation of this trend turning into “more virtual” toward the 2030s shows that the decision-makers at the centre of innovation and leaders will continue supporting this (the more virtual one) trend.

The belief of the future becoming “continuously” digital by embodying us with wearable/body integrated chips, hardware and software instead of pushing us towards nature or going back to reading with books is quite strong. This is not totally an opposing argument, there will be good sides to it, but this reality will be felt intensively: The problems arising due to lack of talented people continuing in future, even becoming stronger gradually, according to many experts… So, what will happen? Who will have strong teams that will create differently and aim to leave other startups behind? Are you ready for futurism? Yet, the answers to these questions may be hidden in the laboratory…


Even though we don’t talk about swallowing a pill to become “the perfect employee”, we may well say that this kind of extreme and ‘low voiced’ concept is on the agenda of the future. Yet, there are more realistic plans with a wider impact area. For instance, augmenting happiness radically through science.

It requires no argument that happiness is important. A good amount of today’s education methodologies remark happiness on the frontlines. We see ample messages like “choose the job you will be happy at, not the job” in social media videos. The genetic components of happiness, which we describe as the general satisfaction in the process of life and positive sentiments, are being discovered. For example, some people are happier than others, are even positive against problems and take quick steps towards positivity.

Under this concept, futurists believe that it is possible to create happier generations by using genetic engineering parallel to the momentum we witness in biological sciences. Genetic tests are widely utilised in in-vitro fertilisation; in theory, it seems possible to choose the traits to be inclined towards happiness. Let’s take this as an innovation which will take the first real steps between 2035-2040. We can expect the talent pool in FinTech in the 2060s to be like this: People have more potential for success and efficiency as the natural consequence of the increased number of happy people.

The happy humanity pill 

We offered a ‘happiness-pill’ exemplary under the Happiness subheadline, which is a theory really being pushed forward today… Though it is important to remember that this theory is widely used in movies, for instance, Resident Evil: Biohazard on Netflix is based on the idea that the end of humanity stems from things going wrong in a laboratory searching for a “happiness pill” in 2022. It is a mystery if the future is always subject to negativity, but the happy-humanity pill design really exists. Even so, the experts believe it wouldn’t take ten years to develop such a pill if enough focus was given. Considering that these pills will affect the work life of pharmacologic agents employed instead of applying genetic modifications, the happiness pill will be a subject of 2050s, if not for 2020s.

“Our changing face” 

Another striking detail about our future concerns our “changing faces…” The number of older people over 75 in Britain was 5,1 million in 2012, reaching 7 million in 2022. In 2050, more than one-third of the advancing nation’s population is expected to consist of people over 60. This change will also bring dramatic changes in the working population. Therefore, the advancement of the reducing number of the working class will become a more important subject. This clear conclusion may trigger the odd projects we discussed above.

Last words…

The prediction of keeping automation somehow limited is widely accepted, but this may change in the digital world in the coming decades. In a highly technology-associated sector such as FinTech, perhaps human resources will be extensively removed from the agenda, and it is quite hard to foresee such a development today.

On the other hand, the idea of ‘modification from birth’ (yet, people can partially modify themselves by having laser surgeries for the eye or nose surgeries) taking shape, as stated above, is scary and open to moral discussions. How this subject will be discussed is also full of question marks when legal and economic dimensions are considered.

Once and for all, scientific revolutions progress slowly and gradually… ‘Crazy projects’ including self-cholesterol eggs, overcoming many illnesses through genomic revolution, and bricks produced through synthetic biology to be used in Mars colonies, are being developed in several locations worldwide, even though we ‘don’t know or hear much of them, to emerge one day and serve humanity, surely for some amount of money too…


In essence, this silent effort can come along with the daily problems of our day and require “a fix”, and we expect the developments in the fixing process with excitement too.