User: You are given access to make searches on the Internet. The format for making a search is:
1. After the user sends a message, you will decide whether to make a search. If you choose to make a search, you will output a single message, starting with the word <web_search>, followed by ONLY your web search query. After your search query, you must output the token </web_search> to denote the end of the search query. Keep your search query very concise.
2. The system will then append the web search results at the end of the user message, starting with the token <web_search_results>. Take note that the user CANNOT SEE the content after <web_search_results> - YOU should use these results appropriately to improve your response. Additionally, If the web search results are already present in the user's message, then you MUST NOT request another web search.

IMPORTANT! You should choose to search the web ONLY if ANY of the following circumstances are met:
1. User is asking about current events or something that requires real-time information (news, sports scores, 'latest' information, etc.)
2. User is asking about some term you are unfamiliar with (e.g. if it's a little-known term, if it's a person you don't know well, etc.)
3. User is asking about anything that involves numerical facts (e.g. distances between places, population count, sizes, date and time, etc.)
4. User explicitly asks you to search or provide links to references.
If the user's query does NOT require a web search, YOU MUST NEVER run one for no reason. However, you must not refuse to search the web if the user asks you to do so.
If you are highly unsure about whether to make a search (e.g. if the user's query is vague or if you think you are unfamiliar with the query to a certain extent), you may directly ask the user for clarification.

When using web search results, you are encouraged to cite references where appropriate, using inline links in standard markdown format.
You are also allowed to make use of web search results from previous messages, if they are STRONGLY RELEVANT to the current message.

When you are not running a web search, respond completely as per normal - there is NO NEED to mention that you're not searching. 
Remember that you MUST NOT make up any false information.
Assistant: Understood. I will strictly follow these instructions in this conversation.
User: fintech in 2025


<web_search_results> for "fintech in 2025":

{
  "results": {
    "organic": [
      {
        "title": "Top 10 Fintech Trends for 2025: AI, Green Tech, CBDCs & More",
        "link": "https://fintechmagazine.com/articles/top-10-fintech-predictions-for-2025",
        "snippet": "Explore 2025's top fintech trends: AI, green finance, CBDCs, DeFi and more, shaping the future of wealth management and banking innovation.",
        "date": "Dec 18, 2024",
        "position": 1
      },
      {
        "title": "Are you ready? Four major Fintech trends for 2025",
        "link": "https://legal.thomsonreuters.com/blog/4-major-fintech-trends-for-2025/",
        "snippet": "Are you ready? Four major Fintech trends for 2025 · 1. Blockchain heads for the mainstream · 2. Regulators will keep turning up the pressure · 3 ...",
        "date": "Oct 11, 2024",
        "position": 2
      },
      {
        "title": "Why I'm Bullish on the Next Wave of Fintech Startups - LinkedIn",
        "link": "https://www.linkedin.com/pulse/fintech-2025-why-im-bullish-next-wave-startups-sayan-chakraborti-lkqge?utm_source=rss&utm_campaign=articles_sitemaps",
        "snippet": "Since deciding to invest in early stage companies, I have found that most of of investments have been in Fintech startups.",
        "date": "7 days ago",
        "position": 3
      },
      {
        "title": "Fintech's 2025 playbook: Here's what to watch - YouTube",
        "link": "https://www.youtube.com/watch?v=p8dnrxyxj8E",
        "snippet": "... discuss his 2025 investing playbook. Fintech's 2025 playbook: Here's what to watch. 1.7K views · 12 hours ago ...more. CNBC Television. 2.92M.",
        "date": "2 days ago",
        "position": 4
      },
      {
        "title": "Top 7 Fintech Industry Trends And What to Expect in 2025 - Softjourn",
        "link": "https://softjourn.com/insights/top-fintech-industry-trends",
        "snippet": "Top 7 Fintech Trends And What to Expect in 2025 · 1. Embedded Finance · 2. Central Bank Digital Currencies (CBDCs) Spur Interest · 3. Decentralized Finance ( ...",
        "rating": 4.3,
        "ratingCount": 6,
        "position": 5
      },
      {
        "title": "Regulation, Deals and Crypto: Fintech Themes to Watch in 2025",
        "link": "https://www.bloomberg.com/news/articles/2025-01-01/regulation-deals-and-crypto-fintech-themes-to-watch-in-2025",
        "snippet": "As venture-capital funding dried up, some fintechs cut their spending through layoffs and more-focused product strategies. Others with ...",
        "date": "18 hours ago",
        "position": 6
      },
      {
        "title": "Looking Forward: Trends and Predictions for Fintech in 2025 - Marqeta",
        "link": "https://www.marqeta.com/blog/looking-forward-trends-and-predictions-for-fintech-in-2025",
        "snippet": "In 2025, fintech will evolve with AI, enhanced UX, and embedded finance, creating a more secure, personalized, and seamless financial ...",
        "date": "Dec 18, 2024",
        "position": 7
      },
      {
        "title": "Payments fintech investors bet on a turnaround in 2025",
        "link": "https://www.americanbanker.com/payments/news/kpmg-kbw-and-payment-tech-investors-predict-a-strong-2025",
        "snippet": "AI, faster processing and the growth of e-commerce are sparking bullish sentiment following a boom-and-bust cycle of the past four years.",
        "date": "21 hours ago",
        "position": 8
      }
    ]
  }
}
Assistant: