Business strategies focused on infrastructure development: Leadership perspectives on H1 2025 financial results
Wise Reports Impressive H1 2025 Results, Citing Strategic Growth Drivers
In a recent discussion, Wise's CFO, Emmanuel Thomassin, and Director of Finance (FP&A, IR), Martin Adams, outlined the key growth drivers behind the company's remarkable performance in H1 2025. The financial technology firm reported a 19% increase in revenue to £591.9m and a 57% increase in profit before tax to £147.1m.
The strategies driving Wise’s growth are centred around increased customer product engagement, targeted geographic expansion with localized offerings, strategic partnerships enhancing regional presence, and disciplined regulatory navigation.
Wise has successfully increased the proportion of personal customers using multiple features to 53%, up from 44% year-on-year, and business customers now stand at 60%. This reflects deeper product engagement across its user base.
Geographic expansion has played a critical role, with strong revenue growth in the UK and North America—two strategically important regions for Wise’s global ambitions. The company has also invested in local integrations with domestic payment systems in markets including Brazil, Japan, and the Philippines, totaling eight such connections. This local tailoring of payment operations enhances the user experience and service suitability in diverse markets.
Wise has launched localized products such as the Wise Account and prepaid card in the Philippines, along with expanded offerings for Mexican nationals. Such adaptations to specific market needs demonstrate Wise’s strategy to cater to diverse global markets.
Strategic partnerships have bolstered regional market penetration, as illustrated by the agreement with Standard Chartered to power SC Remit services across Asia and the Middle East. These alliances facilitate Wise’s ability to expand its reach efficiently in important growth corridors.
Wise has shown proactive regulatory risk management by withdrawing from certain markets due to licensing challenges, ensuring operational compliance and safeguarding its market viability.
Across FY2025, Wise achieved strong double-digit growth in all major geographical segments—Europe, UK, North America, Asia-Pacific, and Rest of World—demonstrating the success of this multifaceted strategic approach.
In addition to these growth drivers, Wise's cash-free approach and strategies for its India outbound play were also topics of interest in the conversation. The company received approval to directly connect with local instant payments infrastructure in the Philippines, Japan, and Brazil, and new licence developments will boost Wise's products in India and Australia.
The impact of Wise Account on revenue, as well as the company's strategies around Wise Platform, were also discussed. The H1 2025 results showed personal volumes growing 20% to £50.6bn, while business volumes grew 18% to £17.7bn. Active customers during H1 2025 grew by 25% to include 11.4 million people and businesses, expanding the company's customer base to serve more than 160 countries and more than 40 currencies.
Following the announcement of a partnership with Tier 1 bank Standard Chartered, Wise's share price climbed, reflecting investor confidence in the company's growth prospects. However, no new information about Wise's approvals to directly connect with local instant payments infrastructure in the Philippines, Japan, Brazil, or new licence developments in India and Australia was provided in this paragraph. Similarly, no new information about Wise's partnership with Standard Chartered, customer base expansion, active customers, total volume sent across borders, or revenue segments was provided.
- The strategic growth drivers of Wise, as outlined by Emmanuel Thomassin and Martin Adams, include increased customer product engagement and geographic expansion with localized offerings, both crucial components of their business growth strategy within the technology sector.
- Wise's approach to business expansion encompasses strategic partnerships, such as the collaboration with Standard Chartered, enhancing their regional presence, and disciplined regulatory navigation, all leveraging technology to cater to diverse global markets.
