{"id":184053,"date":"2025-11-26T04:56:53","date_gmt":"2025-11-26T09:56:53","guid":{"rendered":"https:\/\/innowise.com\/?p=184053"},"modified":"2026-04-09T08:49:24","modified_gmt":"2026-04-09T12:49:24","slug":"fintech-trends","status":"publish","type":"post","link":"https:\/\/innowise.com\/it\/blog\/fintech-trends\/","title":{"rendered":"Tendenze Fintech 2026: il futuro della tecnologia finanziaria e del digital banking"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"184053\" class=\"elementor elementor-184053\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c7d624f main-block e-flex e-con-boxed e-con e-parent\" data-id=\"c7d624f\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5395ced e-con-full e-flex e-con e-child\" data-id=\"5395ced\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-55f0d38 elementor-widget__width-initial elementor-widget elementor-widget-html\" data-id=\"55f0d38\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"breadcrumbs flex\">\n    <div class=\"info\"> \n    <a href=\"https:\/\/innowise.com\/\">\n  Main\n  <\/a>\n    <\/div>\n    <div class=\"info\">\n         <a href=\"https:\/\/innowise.com\/about-us\/\">\n  About us\n  <\/a>\n    <\/div>\n     <div class=\"info\">\n          <a href=\"https:\/\/innowise.com\/blog\/\">\n  Blog\n  <\/a>\n    <\/div>\n<\/div>\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\/\", \n  \"@type\": \"BreadcrumbList\", \n  \"itemListElement\": [{\n    \"@type\": \"ListItem\", \n    \"position\": 1, \n    \"name\": \"Innowise is on Top: We Are No. 554 on Inc. 5000 Annual List\",\n    \"item\": \"https:\/\/innowise.com\/blog\/inc-5000-puts-innowise-group-among-the-fastest-growing-technology-companies-in-the-usa-2022\/\"  \n  },{\n    \"@type\": \"ListItem\", \n    \"position\": 2, \n    \"name\": \"Blog\",\n    \"item\": \"https:\/\/innowise.com\/blog\/\"  \n  },{\n    \"@type\": \"ListItem\", \n    \"position\": 3, \n    \"name\": \"Main\",\n    \"item\": \"https:\/\/innowise.com\/\"  \n  }]\n}\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-07eb800 elementor-widget__width-initial elementor-widget-tablet__width-inherit main-h1 elementor-widget elementor-widget-heading\" data-id=\"07eb800\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Fintech trends <span id=\"current-year\">2026<\/span>: the future of financial technology and digital banking<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6467846 elementor-widget__width-initial elementor-widget elementor-widget-html\" data-id=\"6467846\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"blog-article-info\">\n    <a href=\"\/authors\/siarhei-sukhadolski\/\">\n    Siarhei Sukhadolski\n    <\/a>\n    <div class=\"blog-article-info_other\">\n        <span>Nov 26, 2025<\/span>\n        <span>10 min read<\/span>\n    <\/div>\n<\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff39ff7 elementor-hidden-desktop elementor-hidden-tablet elementor-widget elementor-widget-image\" data-id=\"ff39ff7\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"440\" height=\"330\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/11\/Small-cover_Top-FinTech-trends-for-2025-you-need-to-act-on-now.jpg\" class=\"attachment-full size-full wp-image-189505\" alt=\"Hero image\" srcset=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/11\/Small-cover_Top-FinTech-trends-for-2025-you-need-to-act-on-now.jpg 440w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/11\/Small-cover_Top-FinTech-trends-for-2025-you-need-to-act-on-now-300x225.jpg 300w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/11\/Small-cover_Top-FinTech-trends-for-2025-you-need-to-act-on-now-16x12.jpg 16w\" sizes=\"(max-width: 440px) 100vw, 440px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4ae6e5f article-description e-flex e-con-boxed e-con e-parent\" data-id=\"4ae6e5f\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-c181138 author-article e-con-full e-flex e-con e-child\" data-id=\"c181138\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-9f78982 e-con-full e-flex e-con e-child\" data-id=\"9f78982\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-22ebb6f e-con-full takeways e-flex e-con e-child\" data-id=\"22ebb6f\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12d3fb5 elementor-widget elementor-widget-heading\" data-id=\"12d3fb5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Key takeaways<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a445c1 elementor-widget elementor-widget-text-editor\" data-id=\"3a445c1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul class=\"blackUl\"><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Decentralized banking marks the next evolution beyond digital and neobanks.\u00a0<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Embedded finance is going deeper, turning apps into full financial hubs.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Open finance is unlocking richer data, giving fintechs a 360\u00b0 view of users.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Real-time payments are the new normal, powering instant refunds, payouts, and just-in-time loans.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Compliance, green finance, and identity checks are now baked into every smart fintech stack.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-fadf39a elementor-widget elementor-widget-text-editor\" data-id=\"fadf39a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: 400;\">In the last few years, fintech has decidedly moved from an \u201cemerging\u201d trend to something very much in the here and now.<\/span> <span style=\"font-weight: 400;\">And if you operate in the industry, you\u2019ve probably felt that shift firsthand. What used to be cutting-edge is now table stakes. According to Market.us, the global fintech market is expected to hit <\/span><a href=\"https:\/\/market.us\/report\/fintech-industry-market\/\" target=\"_blank\" rel=\"noopener nofollow\"><span style=\"font-weight: 400;\">$1.38 trillion by 2034<\/span><\/a><span style=\"font-weight: 400;\">. That\u2019s nearly 20% growth <\/span><i><span style=\"font-weight: 400;\">every year<\/span><\/i><span style=\"font-weight: 400;\"> for the next decade.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">So, what does <span id=\"current-year\">2026<\/span> look like for fintech companies? In short: it\u2019s a make-or-break moment. The market\u2019s evolving fast, and standing still isn\u2019t an option. You\u2019ve got to stay sharp, stay adaptable, and stay ahead of what\u2019s coming.<\/span><\/p><p><span style=\"font-weight: 400;\">That\u2019s exactly why I pulled together this list. These are the <\/span><b>real trends<\/b><span style=\"font-weight: 400;\"> that are shaping the next phase of financial technology. Think of it as your cheat sheet to what matters, what\u2019s changing, and where the biggest opportunities lie.<\/span><\/p><p><span style=\"font-weight: 400;\">Let\u2019s get into it.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5048d12 elementor-widget elementor-widget-image\" data-id=\"5048d12\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1000\" height=\"575\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/11\/fintech-market-chart.svg\" class=\"attachment-full size-full wp-image-189494\" alt=\"Bar chart showing fintech market growth to $1.38T by 2034, led by AI, blockchain, and API trends.\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2e11cf0 e-con-full e-flex e-con e-child\" data-id=\"2e11cf0\" 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!important;\r\n}\r\n\r\n\r\n.custom-table.table--1 .cust-table .hidden {\r\n    display: none !important;\r\n}\r\n\r\n<\/style>\r\n<div class=\"cust-table-wrapper\">\r\n    <table class=\"cust-table\">\r\n        \r\n        <tr class=\"cust-table__header\">\r\n            <th><strong>Trend<\/strong><\/th>\r\n            <th><strong>Description<\/strong><\/th>\r\n        <\/tr>\r\n    \r\n        <tr class=\"cust-table__item\">\r\n            <td><strong>AI agents & autonomous finance<\/strong><\/td>\r\n            <td><span>Intelligent AI systems are now handling entire workflows autonomously, including decisions, actions, and compliance.<\/span><\/td>\r\n        <\/tr>\r\n    \r\n        <tr class=\"cust-table__item\">\r\n            <td><strong>Embedded finance evolves into ecosystems<\/strong><\/td>\r\n            <td><span>Financial services like lending, insurance, and savings are embedded into non-financial platforms via orchestrated, composable architectures.<\/span><\/td>\r\n        <\/tr>\r\n    \r\n        <tr class=\"cust-table__item\">\r\n            <td><strong>Agentic commerce enters the mainstream<\/strong><\/td>\r\n            <td><span>AI agents are now making real purchases online, and Visa and Mastercard are building the protocols to verify them and enable secure, bot-free payments.<\/span><\/td>\r\n        <\/tr>\r\n    \r\n        <tr class=\"cust-table__item\">\r\n            <td><strong>Open finance & data ownership<\/strong><\/td>\r\n            <td><span>Open finance expands beyond banking to include full-spectrum data like payroll, pensions, and tax, enabling real-time, behavior-driven financial products.<\/span><\/td>\r\n        <\/tr>\r\n    \r\n        <tr class=\"cust-table__item\">\r\n            <td><strong>Real-time payments as core infrastructure<\/strong><\/td>\r\n            <td><span>Instant settlement systems are reshaping product strategies with liquidity automation, event-based pricing, and fraud detection in milliseconds.<\/span><\/td>\r\n        <\/tr>\r\n    \r\n        <tr class=\"cust-table__item\">\r\n            <td><strong>Core banking modernization<\/strong><\/td>\r\n            <td><span>Fintechs are replacing legacy systems with modular, cloud-native cores to support faster releases, real-time data, and regulatory resilience.<\/span><\/td>\r\n        <\/tr>\r\n    \r\n        <tr class=\"cust-table__item\">\r\n            <td><strong>Super-apps mature into financial operating systems<\/strong><\/td>\r\n            <td><span>Super-apps are becoming unified hubs where people can handle payments, banking, insurance, shopping, and more in one seamless experience.<\/span><\/td>\r\n        <\/tr>\r\n    \r\n        <tr class=\"cust-table__item\">\r\n            <td><strong>AI-powered RegTech<\/strong><\/td>\r\n            <td><span>Compliance is now continuous and embedded, with real-time risk engines, explainable models, and policy-as-code architectures driving resilience.<\/span><\/td>\r\n        <\/tr>\r\n    \r\n        <tr class=\"cust-table__item\">\r\n            <td><strong>Continuous identity & behavioral biometrics<\/strong><\/td>\r\n            <td><span>Identity verification now spans the full user session using behavior, biometrics, and risk-based triggers to counter deepfakes and synthetic fraud.<\/span><\/td>\r\n        <\/tr>\r\n    \r\n        <tr class=\"cust-table__item\">\r\n            <td><strong>Digital currencies & tokenization<\/strong><\/td>\r\n            <td><span>CBDCs and tokenized real-world assets are becoming standard financial rails, requiring secure custody, smart contracts, and compliance-ready logic.<\/span><\/td>\r\n        <\/tr>\r\n    \r\n        <tr class=\"cust-table__item\">\r\n            <td><strong>Next-gen decentralized banks<\/strong><\/td>\r\n            <td><span>Financial institutions are moving on-chain with deobanks that fuse blockchain transparency, smart contracts, and compliance-ready design.<\/span><\/td>\r\n        <\/tr>\r\n    \r\n        <tr class=\"cust-table__item\">\r\n            <td><strong>Hyper-personalization as UX standard<\/strong><\/td>\r\n            <td><span>Real-time personalization driven by behavioral data and AI is redefining product interactions by tailoring credit, savings, and interfaces to the individual.<\/span><\/td>\r\n        <\/tr>\r\n    \r\n        <tr class=\"cust-table__item\">\r\n            <td><strong>Smarter green finance & ESG<\/strong><\/td>\r\n            <td><span>ESG is evolving from reporting to infrastructure, with AI-auditable data, emissions-aware pricing, and climate-positive product design becoming mandatory.<\/span><\/td>\r\n        <\/tr>\r\n    \r\n        <tr class=\"cust-table__item\">\r\n            <td><strong>Financial inclusion through edge innovation<\/strong><\/td>\r\n            <td><span>Voice-first, multilingual fintech tools are extending financial services to underserved users via low-bandwidth, mobile-native, and screenless experiences.<\/span><\/td>\r\n        <\/tr>\r\n        \r\n        \r\n    <\/table>\r\n<\/div>\r\n\r\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0cff818 table-1-toggle elementor-widget elementor-widget-html\" data-id=\"0cff818\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\n.table-1-toggle .cust-table__toggle-button {\n    border-radius: 0px;\n    font-family: Karla;\n    font-size: 22px;\n    font-weight: 700;\n    line-height: 150%;\n    text-align: left;\n\n    border:none;\n    cursor: pointer;\n    \n    padding: 0;\n    background-color: transparent;\n    color: #C63031;\n\n    width: auto;\n\n    align-self: flex-start;\n}\n\n.table-1-toggle .hidden {\n    display: none !important;\n}\n\n.table-1-toggle .cust-table__toggle-button:hover,\n.table-1-toggle .cust-table__toggle-button:active\n{\n    color: 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elementor-widget-text-editor\" data-id=\"ed28d1c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Fintech is entering a new era in <span id=\"current-year\">2026<\/span>, shaped by the growing impact of agentic AI, decentralization, and tokenized banking products. At Innowise, we see this as an opportunity to rethink how financial platforms operate. We\u2019re staying close to the trends, but even closer to what our clients really need, delivering practical, <a href=\"\/industries\/finance\/\">future-ready solutions<\/a> that work in the real world.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cc56a24 e-grid e-con-full e-con e-child\" data-id=\"cc56a24\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a1aa670 elementor-widget elementor-widget-image\" data-id=\"a1aa670\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/04\/Rectangle-34624316.png\" class=\"attachment-full size-full wp-image-182085\" alt=\"Siarhei Sukhadolski\" srcset=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/04\/Rectangle-34624316.png 100w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/04\/Rectangle-34624316-12x12.png 12w\" sizes=\"(max-width: 100px) 100vw, 100px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-047d54d e-con-full e-flex e-con e-child\" data-id=\"047d54d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d032a6e quoter no-text-decoration elementor-widget elementor-widget-text-editor\" data-id=\"d032a6e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><a href=\"https:\/\/innowise.com\/authors\/siarhei-sukhadolski\/\"><strong>Siarhei Sukhadolski<\/strong><\/a><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-85b626a quoter-pos elementor-widget elementor-widget-text-editor\" data-id=\"85b626a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"grey\">FinTech Expert &#038; Head of Competence Center\n<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a7a47de e-con-full e-flex e-con e-child\" data-id=\"a7a47de\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c3ebb5c elementor-widget elementor-widget-text-editor\" data-id=\"c3ebb5c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span style=\"font-weight: 400;\">Trend 1. AI agents &amp; autonomous finance are reshaping the back office (and beyond)<\/span><\/h2>\n<p>AI in fintech is starting to think for itself. In <span id=\"current-year\">2026<\/span><span style=\"font-weight: 400;\">, we\u2019re entering the age of <\/span><b>agentic AI<\/b><span style=\"font-weight: 400;\">:&nbsp; intelligent systems that not only interpret data but make decisions, trigger actions, and handle entire workflows without a human in the loop.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Think of it like this: instead of dashboards waiting for input, <\/span><a href=\"https:\/\/innowise.com\/blog\/generative-ai-in-banking\/\"><span style=\"font-weight: 400;\">AI agents<\/span><\/a><span style=\"font-weight: 400;\"> are proactively approving loans, reconciling transactions, flagging compliance risks, or even negotiating contract terms. They\u2019re part of <\/span><b>multi-agent systems<\/b><span style=\"font-weight: 400;\"> that collaborate across your infrastructure, connected through frameworks like LangChain and powered by vector databases like Pinecone for real-time context recall.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This leap didn\u2019t happen overnight. Three forces brought us here:<\/span><\/p>\n<ol>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Technical maturity<\/b><span style=\"font-weight: 400;\">. We now have the technology needed to enable autonomous systems, including serverless inference, orchestration layers, agent routing, and fallback protocols.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Enterprise tooling<\/b><span style=\"font-weight: 400;\">. Platforms like Arize, TruEra, and WhyLabs offer observability, explainability, and compliance monitoring baked in.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Regulatory pressure<\/b><span style=\"font-weight: 400;\">. Under the <\/span><a href=\"https:\/\/www.europarl.europa.eu\/topics\/en\/article\/20230601STO93804\/eu-ai-act-first-regulation-on-artificial-intelligence\" target=\"_blank\" rel=\"noopener nofollow\"><span style=\"font-weight: 400;\">EU AI Act<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/innowise.com\/blog\/what-is-dora-compliance\/\"><span style=\"font-weight: 400;\">DORA<\/span><\/a><span style=\"font-weight: 400;\">,&nbsp; fintechs must ensure that AI systems can justify their decisions, log their reasoning, and hand off to humans when needed.<\/span><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">But here\u2019s what often gets missed: the best AI agents in finance aren\u2019t just smart \u2013 they\u2019re empathetic too. According to recent research from <\/span><a href=\"https:\/\/www.deloitte.com\/us\/en\/insights\/industry\/telecommunications\/connectivity-mobile-trends-survey.html\" target=\"_blank\" rel=\"noopener nofollow\"><span style=\"font-weight: 400;\">Deloitte<\/span><\/a><span style=\"font-weight: 400;\">, emotionally intelligent AI is already influencing customer satisfaction and loyalty, which is particularly important in high-stress interactions like fraud disputes or declined transactions.<\/span><\/p>\n<p><b>What this means for fintech leaders:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Rethink your architecture<\/b><span style=\"font-weight: 400;\">. AI agents require infrastructure that supports traceability, real-time decisions, and autonomous escalation.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Start with low-risk domains<\/b><span style=\"font-weight: 400;\">. Tasks like KYC triage, contract parsing, and invoice matching are ideal entry points.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Design for trust<\/b>. Ensure your agents know when to pause, explain, or escalate.<\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4378e84 elementor-widget elementor-widget-image\" data-id=\"4378e84\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"527\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/11\/AI-in-fintech-chart.svg\" class=\"attachment-full size-full wp-image-189496\" alt=\"Bar chart showing AI in the fintech market growth to $52.19B in 2029.\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9a99583 e-con-full e-flex e-con e-child\" data-id=\"9a99583\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-45ed0b3 elementor-widget elementor-widget-text-editor\" data-id=\"45ed0b3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span style=\"font-weight: 400;\">Trend 2. Embedded finance is evolving into embedded ecosystems\u00a0<\/span><\/h2><p>In <span id=\"current-year\">2026<\/span>,<span style=\"font-weight: 400;\"> embedded finance is no longer about dropping a payment API into an app. The conversation has turned from <\/span><b>features to flows<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">Today\u2019s embedded finance integrates financial capabilities such as lending, insurance, savings, payroll, and even wealth management directly into user experiences across platforms that are not traditional financial institutions.<\/span><\/p><p><span style=\"font-weight: 400;\">To power this, fintechs are moving from all-in-one BaaS platforms to <\/span><b>orchestrated ecosystems<\/b><span style=\"font-weight: 400;\">. They\u2019re layering services across providers: one for onboarding (e.g., Alloy), another for KYC (e.g., Persona), a third for account creation (e.g., Griffin), and their own logic for compliance fallback and reporting. It\u2019s composable, but only if you own the glue.<\/span><\/p><p><span style=\"font-weight: 400;\">And regulators are catching up. In the US, the <\/span><a href=\"https:\/\/www.occ.treas.gov\/\" target=\"_blank\" rel=\"noopener nofollow\"><span style=\"font-weight: 400;\">OCC<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.fdic.gov\/\" target=\"_blank\" rel=\"noopener nofollow\"><span style=\"font-weight: 400;\">FDIC<\/span><\/a><span style=\"font-weight: 400;\"> are scrutinizing sponsor bank relationships. In the EU, platforms embedding finance are being asked to prove <\/span><b>control over customer data, flow of funds, and risk logic<\/b><span style=\"font-weight: 400;\">. Gone are the days of \u201cjust plug in and launch.\u201d If your BaaS provider fails an audit, so do you.<\/span><\/p><p><span style=\"font-weight: 400;\">So, what\u2019s changed? <\/span><strong>Embedded finance in 2026 is a product strategy<\/strong><span style=\"font-weight: 400;\"><strong>.<\/strong> It requires the same investment in observability, compliance, and fault tolerance as any regulated financial stack.<\/span><\/p><p><b>What this means for fintech leaders:<\/b><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Choose partners carefully<\/b><span style=\"font-weight: 400;\">. Your BaaS provider is now a compliance dependency, not just a technical one.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Think beyond payments<\/b><span style=\"font-weight: 400;\">. Lending, insurance, savings, and benefits are now standard embedded verticals.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Build for resilience<\/b><span style=\"font-weight: 400;\">. Include observability, compliance layering, and fallbacks into your architecture from day one.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e83e666 elementor-widget elementor-widget-image\" data-id=\"e83e666\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"2000\" height=\"1012\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/11\/embedded-finance-components.png\" class=\"attachment-full size-full wp-image-189946\" alt=\"Illustration showing components of embedded finance: payments, lending, insurance, banking, and wealth management.\" srcset=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/11\/embedded-finance-components.png 2000w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/11\/embedded-finance-components-300x152.png 300w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/11\/embedded-finance-components-1024x518.png 1024w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/11\/embedded-finance-components-768x389.png 768w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/11\/embedded-finance-components-1536x777.png 1536w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/11\/embedded-finance-components-18x9.png 18w\" sizes=\"(max-width: 2000px) 100vw, 2000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-04b61b5 e-con-full e-flex e-con e-child\" data-id=\"04b61b5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c4d2ec5 elementor-widget elementor-widget-text-editor\" data-id=\"c4d2ec5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span style=\"font-weight: 400;\">Trend 3. Agentic commerce enters the mainstream with Visa and Mastercard protocols<\/span><\/h2><p><span id=\"current-year\">2026<\/span> marks the rise of <b>agentic commerce<\/b><span style=\"font-weight: 400;\">, where autonomous systems browse, select, and transact across e-commerce platforms in real time. And now, the payments industry is racing to meet them.<\/span><\/p><p><span style=\"font-weight: 400;\">Both <\/span><b>Visa<\/b><span style=\"font-weight: 400;\"> and <\/span><b>Mastercard<\/b><span style=\"font-weight: 400;\"> launched frameworks to support AI-driven transactions. Their goal is to enable merchants to confidently verify AI agents, reduce friction at checkout, and process payments that may happen without a human ever clicking \u201cbuy.\u201d<\/span><\/p><p><span style=\"font-weight: 400;\">Visa\u2019s <\/span><b>Trusted Agent Protocol<\/b><span style=\"font-weight: 400;\">, already live on GitHub and backed by partners like Microsoft, Stripe, Nuvei, and Worldpay, enables verified agents to signal purchase intent, identify the consumer behind the session, and transmit payment credentials securely. Mastercard, meanwhile, introduced the <\/span><b>Agent Pay Merchant Acceptance Framework<\/b><span style=\"font-weight: 400;\">. It focuses on scale: allowing merchants to authenticate AI agents before the transaction, with built-in transparency and interoperability across platforms.\u00a0<\/span><\/p><p><span style=\"font-weight: 400;\">These moves reflect growing urgency. Adobe Insights reported a <\/span><a href=\"https:\/\/www.digitalcommerce360.com\/2025\/08\/21\/adobe-generative-ai-powered-shopping-data-july-2025\/\" target=\"_blank\" rel=\"noopener nofollow\"><span style=\"font-weight: 400;\">4,700% YoY spike<\/span><\/a><span style=\"font-weight: 400;\"> in generative AI-driven retail traffic by mid-2025, with AI agents now influencing and completing entire customer journeys, often without the shopper\u2019s real-time involvement.<\/span><\/p><p><span style=\"font-weight: 400;\">What\u2019s powering this shift?<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Open standards like <\/span><b>Cloudflare\u2019s Web Bot Auth<\/b><span style=\"font-weight: 400;\">, developed with Shopify, Checkout.com, and Adyen<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">AI agent ecosystems built by <\/span><b>OpenAI<\/b><span style=\"font-weight: 400;\"> (Agentic Commerce Protocol) and <\/span><b>Google<\/b><span style=\"font-weight: 400;\"> (Agent Payments Protocol)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A growing network of backers: <\/span><b>Coinbase<\/b><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/innowise.com\/services\/crm\/salesforce\/\"><b>Salesforce<\/b><\/a><span style=\"font-weight: 400;\">, <\/span><b>Klarna<\/b><span style=\"font-weight: 400;\">, <\/span><b>Amex<\/b><span style=\"font-weight: 400;\">, and others are aligning behind shared protocols<\/span><\/li><\/ul><p><b>What this means for fintech leaders:<\/b><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Prepare for AI-native payments.<\/b><span style=\"font-weight: 400;\"> Agent verification, credential passing, and real-time consent flows are the new baseline.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Support open standards.<\/b><span style=\"font-weight: 400;\"> Aligning with interoperable protocols (like Visa\u2019s TAP or Google\u2019s AP2) will determine how easily your system integrates into the agentic commerce stack.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Rethink fraud prevention.<\/b> AI agents look like bots, until they\u2019re not. Trust frameworks must balance safety and usability without blocking legitimate automated transactions.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5af20d3 e-con-full e-flex e-con e-child\" data-id=\"5af20d3\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9c558a0 elementor-widget elementor-widget-text-editor\" data-id=\"9c558a0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span style=\"font-weight: 400;\">Trend 4. Open finance: from data access to data ownership<\/span><\/h2><p><span style=\"font-weight: 400;\">Open banking cracked the door open. Open finance kicks it wide.<\/span><\/p><p>By <span id=\"current-year\">2026<\/span>, we\u2019ll have moved well beyond basic account aggregation. Now it\u2019s about full-spectrum access: pensions, insurance, mortgages, payroll, tax data, even crypto wallets, all flowing through a unified API layer. Full control, portability, and ownership.<\/p><p><span style=\"font-weight: 400;\">Regulations like <\/span><a href=\"https:\/\/www.payment-services-directive-3.com\/\" target=\"_blank\" rel=\"noopener nofollow\"><span style=\"font-weight: 400;\">PSD3<\/span><\/a><span style=\"font-weight: 400;\"> and the <\/span><a href=\"https:\/\/www.ey.com\/en_be\/technical\/financial-services\/financial-services-alerts\/payment-services-regulation-key-impacts-on-payment-service-providers\" target=\"_blank\" rel=\"noopener nofollow\"><span style=\"font-weight: 400;\">Payment Services Regulation<\/span><\/a><span style=\"font-weight: 400;\"> (PSR) in the EU are pushing the shift even further. TPPs (third-party providers) are being held to higher standards for token lifecycle management, secure redirect flows, and real-time consent revocation. In return, fintechs get clearer frameworks to build on and more reliable access to customer data.<\/span><\/p><p><span style=\"font-weight: 400;\">But here\u2019s where it gets interesting: the most forward-thinking fintechs are turning it into product fuel.<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Wealth platforms<\/b><span style=\"font-weight: 400;\"> are using open finance APIs to build real-time risk models.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Lenders<\/b><span style=\"font-weight: 400;\"> are generating dynamic affordability scores using utility payments and payroll history.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Insurers <\/b><span style=\"font-weight: 400;\">are using behavioural signals and location data to personalise pricing in-session.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">But none of that works without orchestration. Data still arrives in dozens of formats with inconsistent quality. That\u2019s why API gateways like <\/span><b>Gravitee<\/b><span style=\"font-weight: 400;\"> and <\/span><b>Kong<\/b><span style=\"font-weight: 400;\">, and normalization engines like <\/span><b>Flinks<\/b><span style=\"font-weight: 400;\"> or <\/span><b>Railz<\/b><span style=\"font-weight: 400;\">, are becoming core parts of the fintech stack.<\/span><\/p><p><b>What this means for fintech leaders:<\/b><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Don\u2019t just read accounts, read behaviours.<\/b><span style=\"font-weight: 400;\"> Open finance lets you understand full financial lives.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Invest in orchestration.<\/b><span style=\"font-weight: 400;\"> Without a clean, reliable data layer, your API access means nothing.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Prepare for PSD3.<\/b><span style=\"font-weight: 400;\"> Secure consent, real-time access control, and data portability aren\u2019t optional anymore.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c9a4ba1 elementor-widget elementor-widget-image\" data-id=\"c9a4ba1\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"532\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/11\/open-finance-diagram.svg\" class=\"attachment-full size-full wp-image-189499\" alt=\"Diagram showing open finance connecting banking, loans, payroll, crypto, savings, and investments.\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-835c83a e-con-full e-flex e-con e-child\" data-id=\"835c83a\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-644e705 e-con-full e-flex e-con e-child\" data-id=\"644e705\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-39a363b elementor-widget-tablet__width-inherit elementor-widget__width-initial max100 elementor-widget elementor-widget-heading\" data-id=\"39a363b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Turn open finance data into smarter products with Innowise.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4299183 e-con-full e-flex e-con e-child\" data-id=\"4299183\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4381607 elementor-absolute elementor-widget-mobile__width-inherit transform cta1 elementor-widget elementor-widget-html\" data-id=\"4381607\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"wave-container\"><\/div>\r\n\r\n<style>\r\n  .wave-container {\r\n    width: 400px;\r\n    height: 400px;\r\n  }\r\n\r\n  @media(max-width: 767px) {\r\n    .wave-container {\r\n      width: 100%;\r\n      height: 100%;\r\n    }\r\n  }\r\n\r\n\r\n  .wave {\r\n    position: absolute;\r\n    border: 1px solid rgba(210, 184, 214, 1);\r\n    border-radius: 50%;\r\n    animation: drop 16s infinite;\r\n    top: 50%;\r\n    left: 50%;\r\n    transform: translate(-50%, -50%);\r\n    box-sizing: border-box;\r\n  }\r\n\r\n  @keyframes drop {\r\n    0% {\r\n      width: 0px;\r\n      height: 0px;\r\n      border: 1px solid rgba(210, 184, 214, 1);\r\n    }\r\n\r\n    100% {\r\n      width: 400px;\r\n      height: 400px;\r\n      border: 1px solid rgba(210, 184, 214, 0);\r\n    }\r\n  }\r\n<\/style>\r\n\r\n<script>\r\n\r\n  document.addEventListener('DOMContentLoaded', () => {\r\n    function createWaves(numberOfWaves) {\r\n      const waveContainers = document.querySelectorAll('.cta1 .wave-container');\r\n\r\n      waveContainers.forEach((waveContainer) => {\r\n        for (let i = 0; i < numberOfWaves; i++) {\r\n          const wave = document.createElement('div');\r\n          wave.classList.add('wave');\r\n\r\n          wave.style.animationDelay = `${i * 0.8}s`;\r\n\r\n          waveContainer.appendChild(wave);\r\n        }\r\n      });\r\n    }\r\n\r\n    createWaves(10)\r\n  });\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ab5c235 elementor-align-left elementor-widget__width-initial elementor-widget-mobile__width-inherit cta-btn elementor-widget elementor-widget-button\" data-id=\"ab5c235\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#contact-form\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Let\u2019s talk details<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a75dd69 e-con-full e-flex e-con e-child\" data-id=\"a75dd69\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fce08be elementor-widget elementor-widget-text-editor\" data-id=\"fce08be\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Trend 5. Real-time payments are now a strategic layer<\/h2>\n<p>In <span id=\"current-year\">2026<\/span>, real-time payments (RTP) have become a foundational capability. Systems like FedNow in the US, SEPA Instant in Europe, UPI in India, and PIX in Brazil are enabling 24\/7 settlements across retail, treasury, and B2B flows, and expectations have shifted accordingly.<\/p>\n<p><span style=\"font-weight: 400;\">Where speed was the core motivation of the past, flexibility is the name of the future game. The real advantage lies in <\/span><b>how payments trigger downstream actions<\/b><span style=\"font-weight: 400;\">: real-time liquidity repositioning, instant refunds, embedded payouts, just-in-time lending, and event-based pricing. These are the new baselines for competitive fintech products.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The transition is also shaped by <\/span><a href=\"http:\/\/www.iso20022.org\/iso-20022\" target=\"_blank\" rel=\"noopener nofollow\"><b>ISO 20022<\/b><\/a><span style=\"font-weight: 400;\">,&nbsp; the data-rich messaging standard that underpins modern payment infrastructure. Banks and fintechs that adopt it gain better <\/span><a href=\"https:\/\/innowise.com\/blog\/aml-transaction-monitoring\/\"><span style=\"font-weight: 400;\">fraud prevention<\/span><\/a><span style=\"font-weight: 400;\">, reconciliation, and compliance, which makes payment data faster and smarter.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">But speed comes with pressure. Real-time payments shrink the fraud detection window to seconds. Compliance ops can\u2019t wait for batch reports. That\u2019s why modern RTP stacks are built around <\/span><b>event-driven architecture<\/b><span style=\"font-weight: 400;\">, <\/span><b>streaming analytics<\/b><span style=\"font-weight: 400;\">, and <\/span><b>automated risk engines<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Providers like <\/span><b>Volante<\/b><span style=\"font-weight: 400;\">, <\/span><b>Moov<\/b><span style=\"font-weight: 400;\">, and <\/span><b>Dwolla<\/b><span style=\"font-weight: 400;\"> are enabling fintechs to move from slow, file-based systems to API-first RTP infrastructure that integrates directly with ERPs, mobile apps, and global banking rails.<\/span><\/p>\n<p><b>What this means for fintech leaders:<\/b><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Shift your fraud detection to real-time<\/b><span style=\"font-weight: 400;\"> \u2014 static rules and batch reviews won\u2019t hold up.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Adopt ISO 20022 end-to-end<\/b><span style=\"font-weight: 400;\"> \u2014 richer data enables smarter product logic and risk scoring.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Design for liquidity visibility<\/b><span style=\"font-weight: 400;\"> \u2014 real-time rails mean new opportunities for treasury automation.<\/span><\/li>\n<\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bc805fc elementor-widget elementor-widget-image\" data-id=\"bc805fc\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/11\/rtp-payment-flow.svg\" class=\"attachment-full size-full wp-image-189500\" alt=\"Diagram showing RTP payment flow: from initiation to authorization, validation, acceptance, and notification.\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-118c24a e-con-full e-flex e-con e-child\" data-id=\"118c24a\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0b1bad4 elementor-widget elementor-widget-text-editor\" data-id=\"0b1bad4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span style=\"font-weight: 400;\">Trend 6. <\/span><a href=\"https:\/\/innowise.com\/blog\/core-banking-system-implementation\/\"><span style=\"font-weight: 400;\">Core banking system<\/span><\/a><span style=\"font-weight: 400;\"> modernization gets real<\/span><\/h2><p><span style=\"font-weight: 400;\">Most fintech innovation lives at the edge: UX layers, APIs, analytics. But in <\/span><span style=\"font-weight: 400;\">2026<\/span><span style=\"font-weight: 400;\">, the core is finally catching up. Legacy banking systems are being replaced with <\/span><b>modular, cloud-native cores<\/b><span style=\"font-weight: 400;\"> that allow fintechs and digital banks to build faster, safer, and more scalable products.<\/span><\/p><p><span style=\"font-weight: 400;\">Platforms like <\/span><b>Mambu<\/b><span style=\"font-weight: 400;\">, <\/span><b>Thought Machine<\/b><span style=\"font-weight: 400;\">, and <\/span><b>10x Banking<\/b><span style=\"font-weight: 400;\"> are leading the charge. Their core systems are built to be API-first, event-driven, and flexible enough to support everything from real-time deposits to dynamic credit products.<\/span><\/p><p><span style=\"font-weight: 400;\">What\u2019s driving this shift? A mix of necessity and opportunity.<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Legacy cores are too slow for embedded finance<\/b><span style=\"font-weight: 400;\">. Launching a product can take months or longer with monolithic systems.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Modern stacks support rapid iteration<\/b><span style=\"font-weight: 400;\">. New features can be released in days, with full audit trails and sandboxed testing.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>AI and personalization require real-time data<\/b><span style=\"font-weight: 400;\">, and legacy systems were never built for that kind of responsiveness.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Regulatory pressure is mounting<\/b><span style=\"font-weight: 400;\">. Under frameworks like <\/span><a href=\"https:\/\/www.eiopa.europa.eu\/digital-operational-resilience-act-dora_en\" target=\"_blank\" rel=\"noopener nofollow\"><span style=\"font-weight: 400;\">DORA<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.nis-2-directive.com\/\" target=\"_blank\" rel=\"noopener nofollow\"><span style=\"font-weight: 400;\">NIS2<\/span><\/a><span style=\"font-weight: 400;\">, financial institutions must prove operational resilience and incident response readiness. Modern cores make that possible.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">\u201cModernization\u201d doesn\u2019t simply mean to demolish the old systems, though.. The smart move in <span id=\"current-year\">2026<\/span><\/span><span style=\"font-weight: 400;\">\u00a0is <\/span><b>progressive modernization<\/b><span style=\"font-weight: 400;\">: moving key functions (e.g., lending, onboarding, KYC, payments) to composable services, while gradually phasing out legacy dependencies.<\/span><\/p><p><b>What this means for fintech leaders:<\/b><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Prioritize modularity<\/b><span style=\"font-weight: 400;\">. Choose systems that let you scale features without rewriting the foundation.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Think long-term compliance<\/b><span style=\"font-weight: 400;\">. Modern cores are easier to audit, test, and recover when things go wrong.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Build for interoperability<\/b>. Your future partners, channels, and regulators will expect seamless data flow, rather than batch exports.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5b0e488 elementor-widget elementor-widget-shortcode\" data-id=\"5b0e488\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">[blog_related_services post_in='188555,131450,181165']<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-159a3c8 e-con-full e-flex e-con e-child\" data-id=\"159a3c8\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-770d387 elementor-widget elementor-widget-text-editor\" data-id=\"770d387\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span style=\"font-weight: 400;\">Trend 7. Super-apps mature into financial operating systems<\/span><\/h2><p><span style=\"font-weight: 400;\">In 2026, fintech super-apps are emerging as <\/span><b>multi-vertical financial ecosystems<\/b><span style=\"font-weight: 400;\">. These are platforms that combine payments, banking, insurance, investments, commerce, and even non-financial services into a single, deeply personalized environment.<\/span><\/p><p><span style=\"font-weight: 400;\">Originating in Asia with players like WeChat, Alipay, and Paytm, the super-app model is now being reinterpreted in Western markets. Rather than one mega-app, we\u2019re seeing the rise of <\/span><b>modular financial hubs<\/b><span style=\"font-weight: 400;\">: platforms that integrate critical services through composable APIs, white-label banking, and embedded infrastructure. Think of them less as apps and more as <\/span><b>financial operating systems<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">What\u2019s driving the shift in 2026?<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Convergence of services.<\/b><span style=\"font-weight: 400;\"> Consumers expect to manage credit, buy insurance, invest spare change, and send remittances without switching apps or accounts.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Data-driven orchestration.<\/b><span style=\"font-weight: 400;\"> With CDPs, open finance APIs, and consent-based identity layers, super-apps can personalize offerings in-session, surfacing the right service at the right time.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Fintech-as-a-service maturity.<\/b><span style=\"font-weight: 400;\"> With platforms like Synapse, Unit, and Solaris, launching multi-service fintech stacks is faster than ever.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Big Tech\u2019s influence.<\/b><span style=\"font-weight: 400;\"> Apple, Google, Meta, and Shopify are quietly embedding payments, credit, and loyalty features into core platforms and are moving toward super-app territory without the branding.<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">But there\u2019s nuance. In the US and EU, <\/span><b>regulatory scrutiny<\/b><span style=\"font-weight: 400;\"> is limiting the bundling of services in a single walled-garden app. Instead, we\u2019re seeing <\/span><b>federated super-app architectures<\/b><span style=\"font-weight: 400;\">, where fintechs partner through shared KYC rails, open APIs, and co-branded experiences.<\/span><\/p><p><span style=\"font-weight: 400;\">On the enterprise side, B2B super-apps are also gaining traction, combining invoicing, treasury, expense management, lending, and procurement in unified interfaces for SMEs.<\/span><\/p><p><b>What this means for fintech leaders:<\/b><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Plan for platform extensibility.<\/b><span style=\"font-weight: 400;\"> Even if you&#8217;re not a super-app today, building modular services makes you compatible with the ecosystem tomorrow.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Own the interface or power it.<\/b><span style=\"font-weight: 400;\"> Fintechs will either become the front-end of the financial experience or the infrastructure behind it.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Treat partnerships as a product.<\/b><span style=\"font-weight: 400;\"> Interoperability, data governance, and shared UX logic will define successful super-app collaborations.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Don\u2019t chase Asia blindly.<\/b> Western super-apps won\u2019t look like WeChat. Regulation, user behavior, and trust models differ, and so should your approach.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ca30235 e-con-full e-flex e-con e-child\" data-id=\"ca30235\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-60f39fb e-con-full e-flex e-con e-child\" data-id=\"60f39fb\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9efbb26 elementor-widget-tablet__width-inherit elementor-widget__width-initial max100 elementor-widget elementor-widget-heading\" data-id=\"9efbb26\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Launch next-gen financial products without legacy limits.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-48b2996 e-con-full e-flex e-con e-child\" data-id=\"48b2996\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1b5b0f9 elementor-absolute elementor-widget-mobile__width-inherit transform cta2 elementor-widget elementor-widget-html\" data-id=\"1b5b0f9\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"wave-container\"><\/div>\r\n\r\n<style>\r\n  .wave-container {\r\n    width: 400px;\r\n    height: 400px;\r\n  }\r\n\r\n  @media(max-width: 767px) {\r\n    .wave-container {\r\n      width: 100%;\r\n      height: 100%;\r\n    }\r\n  }\r\n\r\n\r\n  .wave {\r\n    position: absolute;\r\n    border: 1px solid rgba(210, 184, 214, 1);\r\n    border-radius: 50%;\r\n    animation: drop 16s infinite;\r\n    top: 50%;\r\n    left: 50%;\r\n    transform: translate(-50%, -50%);\r\n    box-sizing: border-box;\r\n  }\r\n\r\n  @keyframes drop {\r\n    0% {\r\n      width: 0px;\r\n      height: 0px;\r\n      border: 1px solid rgba(210, 184, 214, 1);\r\n    }\r\n\r\n    100% {\r\n      width: 400px;\r\n      height: 400px;\r\n      border: 1px solid rgba(210, 184, 214, 0);\r\n    }\r\n  }\r\n<\/style>\r\n\r\n<script>\r\n\r\n  document.addEventListener('DOMContentLoaded', () => {\r\n    function createWaves(numberOfWaves) {\r\n      const waveContainers = document.querySelectorAll('.cta2 .wave-container');\r\n\r\n      waveContainers.forEach((waveContainer) => {\r\n        for (let i = 0; i < numberOfWaves; i++) {\r\n          const wave = document.createElement('div');\r\n          wave.classList.add('wave');\r\n\r\n          wave.style.animationDelay = `${i * 0.8}s`;\r\n\r\n          waveContainer.appendChild(wave);\r\n        }\r\n      });\r\n    }\r\n\r\n    createWaves(10)\r\n  });\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-99bfdb9 elementor-align-left elementor-widget__width-initial elementor-widget-mobile__width-inherit cta-btn elementor-widget elementor-widget-button\" data-id=\"99bfdb9\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#contact-form\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get started<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5f7593b e-con-full e-flex e-con e-child\" data-id=\"5f7593b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c3272c0 elementor-widget elementor-widget-text-editor\" data-id=\"c3272c0\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span style=\"font-weight: 400;\">Trend 8. RegTech evolves: AI-driven compliance and real-time resilience<\/span><\/h2><p>In <span id=\"current-year\">2026<\/span>, compliance is deeply integrated into product design and user experience. The regulatory environment is pushing fintechs to be faster, clearer, and more accountable in how decisions are made and risks are managed.<\/p><p><span style=\"font-weight: 400;\">The EU\u2019s DORA went into effect in 2025, but many fintechs are still scaling up implementation: real-time incident detection, vendor audits, and traceability across infrastructure. Meanwhile, the <\/span><a href=\"https:\/\/artificialintelligenceact.eu\/\" target=\"_blank\" rel=\"noopener nofollow\"><span style=\"font-weight: 400;\">EU AI Act<\/span><\/a><span style=\"font-weight: 400;\"> is raising the stakes further and requires high-risk systems (like credit scoring or fraud detection) to prove explainability, bias mitigation, and model transparency.<\/span><\/p><p><span style=\"font-weight: 400;\">That\u2019s why RegTech has matured from a point solution into a <\/span><b>real architecture layer<\/b><span style=\"font-weight: 400;\">. We\u2019re seeing:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Context-aware KYC\/AML<\/b><span style=\"font-weight: 400;\"> engines that adapt flows based on risk, geography, and behavior in real time<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Model audit tooling<\/b><span style=\"font-weight: 400;\"> (TruEra, Giskard) embedded directly into ML pipelines to catch drift, bias, and brittle logic before regulators do<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Policy-as-code systems<\/b><span style=\"font-weight: 400;\"> with version history, rollback, and CI\/CD deployment just like your frontend<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Zero-latency alerting &amp; reporting<\/b><span style=\"font-weight: 400;\"> synced with regulator APIs and internal dashboards<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">Global regulators are converging on the same expectation: if your platform uses AI to make a decision, you need to explain and defend it. That\u2019s not just an EU thing. The <\/span><a href=\"https:\/\/www.fca.org.uk\/\" target=\"_blank\" rel=\"noopener nofollow\"><b>FCA<\/b><\/a><span style=\"font-weight: 400;\">, <\/span><a href=\"https:\/\/www.mas.gov.sg\/regulation\/acts\/mas-act\" target=\"_blank\" rel=\"noopener nofollow\"><b>MAS<\/b><\/a><span style=\"font-weight: 400;\">, and <\/span><b>US OCC<\/b><span style=\"font-weight: 400;\"> are all leaning hard into this.<\/span><\/p><p><span style=\"font-weight: 400;\">What this means for fintech leaders:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Explainability is now compliance<\/b><span style=\"font-weight: 400;\">. If your model can&#8217;t explain itself, it won&#8217;t pass scrutiny.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Bias is a business risk<\/b><span style=\"font-weight: 400;\">. Fairness metrics are being baked into audits, especially in lending and hiring.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Compliance needs to scale like software<\/b><span style=\"font-weight: 400;\">. Testing, automation, rollback, and auditability are non-negotiable.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>RegTech is strategic<\/b>. It\u2019s not about avoiding penalties. It\u2019s about earning trust and staying agile in any market.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ae1ffc elementor-widget elementor-widget-image\" data-id=\"7ae1ffc\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"527\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/11\/reg-tech-market-chart.svg\" class=\"attachment-full size-full wp-image-189501\" alt=\"Bar chart showing RegTech market growth to $40.21B in 2034 at 10.97% CAGR.\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2996b72 e-con-full e-flex e-con e-child\" data-id=\"2996b72\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-32ff56c elementor-widget elementor-widget-text-editor\" data-id=\"32ff56c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span style=\"font-weight: 400;\">Trend 9. Continuous identity goes mainstream in fintech security<\/span><\/h2><p><span style=\"font-weight: 400;\">Back in 2023 or 2024, continuous authentication was more of an experiment \u2014 promising, but not yet standard. Fast forward to <span id=\"current-year\">2026<\/span><\/span><span style=\"font-weight: 400;\">, and it\u2019s now a <\/span><b>baseline expectation<\/b><span style=\"font-weight: 400;\"> in fintech platforms that deal with high-risk flows like instant payouts, open banking APIs, and real-time payments.<\/span><\/p><p><span style=\"font-weight: 400;\">What\u2019s changed?<\/span><span style=\"font-weight: 400;\"><br \/><\/span><span style=\"font-weight: 400;\">For one, attackers have leveled up. Deepfakes, AI-generated phishing, and synthetic identities are more sophisticated and more scalable than ever. Static credentials and device checks aren\u2019t enough. Fintechs are under pressure to prove, not just guess, that the person behind the session is who they say they are.<\/span><\/p><p><span style=\"font-weight: 400;\">Today\u2019s advanced fintech stacks blend:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Behavioral biometrics<\/b><span style=\"font-weight: 400;\"> \u2014 typing cadence, cursor movement, touchscreen pressure<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Passive liveness detection<\/b><span style=\"font-weight: 400;\"> \u2014 continuous facial micro-expression analysis (via SDKs like iProov, BioID)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Device + network fingerprinting<\/b><span style=\"font-weight: 400;\"> \u2014 using platforms like FingerprintJS, ThreatMetrix<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Anomaly detection engines<\/b><span style=\"font-weight: 400;\"> \u2014 built on tools like Sift, Arkose Labs, or homegrown ML models<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Risk-based auth triggers<\/b><span style=\"font-weight: 400;\"> \u2014 implemented through orchestration layers (e.g., Auth0 Actions, ForgeRock Trees)<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">If a session behaves abnormally, like unusual typing patterns or a sudden IP\/OS switch, the system flags risk in real time. It can then silently escalate: block the transaction, request biometric re-auth, or route the user through a high-friction flow. Without human intervention or hardcoded rules.<\/span><\/p><p><span style=\"font-weight: 400;\">Importantly, these security measures are now privacy-aware by design: GDPR-compliant, data-minimizing, and explainable to auditors.<\/span><\/p><p><b>What this means for fintech leaders:<\/b><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Security must be dynamic<\/b><span style=\"font-weight: 400;\">. Move away from binary &#8220;pass\/fail&#8221; checks.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Behavioral signals are infrastructure<\/b><span style=\"font-weight: 400;\">. Architect pipelines for secure session telemetry, not just logs.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Model transparency matters<\/b><span style=\"font-weight: 400;\">. Expect regulators to ask why you trusted or blocked a session.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Test for edge cases<\/b><span style=\"font-weight: 400;\">. Frictionless UX is easy when things go right. Mature stacks account for fraud attempts, network volatility, and false positives.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e7e89ff e-con-full e-flex e-con e-child\" data-id=\"e7e89ff\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f74a564 inherit-fonts elementor-widget elementor-widget-text-editor\" data-id=\"f74a564\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Cyber resilience in <span id=\"current-year\">2026<\/span> requires systems that learn and adapt. Fintechs should embed risk-based scoring, dynamic verification, and AI-driven threat simulations into everyday operations. True security isn&#8217;t static; it evolves with every session, every signal, and every emerging risk. With the right cybersecurity partners like Innowise by your side, you\u2019ll build resilience that only grows stronger with every challenge.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8a3e393 e-grid e-con-full e-con e-child\" data-id=\"8a3e393\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-aa4161a elementor-widget elementor-widget-image\" data-id=\"aa4161a\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"180\" height=\"180\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/Ivan-Shatukha.png\" class=\"attachment-full size-full wp-image-184597\" alt=\"\" srcset=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/Ivan-Shatukha.png 180w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/Ivan-Shatukha-150x150.png 150w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/Ivan-Shatukha-12x12.png 12w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/elementor\/thumbs\/Ivan-Shatukha-rcasmxqaicdkqgoi5b3zkizqun0cge9m57afjvbx0k.png 10w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/elementor\/thumbs\/Ivan-Shatukha-rcasmxqbltad6o0v4bw1gzy9s8st8z5rftf334rf1k.png 100w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/06\/elementor\/thumbs\/Ivan-Shatukha-rcasmxqbd1j2v2e48jpt1s6lkryhimim9gi1uunz1c.png 80w\" sizes=\"(max-width: 180px) 100vw, 180px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e0e50f8 e-con-full e-flex e-con e-child\" data-id=\"e0e50f8\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1c59cca quoter no-text-decoration elementor-widget elementor-widget-text-editor\" data-id=\"1c59cca\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong><span style=\"text-decoration: underline;\"><a href=\"https:\/\/innowise.com\/authors\/ivan-shatukha\/\">Ivan Shatukha<\/a><\/span><br \/><\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4fbc996 quoter-pos elementor-widget elementor-widget-text-editor\" data-id=\"4fbc996\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"grey\">Head of Global Development<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7801c65 e-con-full e-flex e-con e-child\" data-id=\"7801c65\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-12b2be5 elementor-widget elementor-widget-text-editor\" data-id=\"12b2be5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span style=\"font-weight: 400;\">Trend 10. Digital currencies and tokenization reshape financial infrastructure<\/span><\/h2><p><span style=\"font-weight: 400;\">In <span id=\"current-year\">2026<\/span><\/span><span style=\"font-weight: 400;\">, CBDCs, tokenized assets, and programmable money are <\/span><b>foundational rails<\/b><span style=\"font-weight: 400;\"> being actively built into both public and private fintech ecosystems.<\/span><\/p><p><span style=\"font-weight: 400;\">Let\u2019s start with <\/span><b>CBDCs<\/b><span style=\"font-weight: 400;\"> (Central Bank Digital Currencies). More than 130 countries are exploring or piloting them, and a growing number have launched retail and wholesale programs. In the EU, the Digital Euro has entered live testing with select payment providers. The Bank of England is laying the groundwork for a digital pound, and the US is exploring institutional pilots focused on interbank settlement.<\/span><\/p><p><span style=\"font-weight: 400;\">Meanwhile, <\/span><b>tokenization of real-world assets (RWAs)<\/b><span style=\"font-weight: 400;\"> has hit a tipping point. Funds, bonds, and real estate are now being natively issued on <\/span><a href=\"https:\/\/innowise.com\/blog\/blockchain-in-banking\/\"><span style=\"font-weight: 400;\">blockchain rails<\/span><\/a><span style=\"font-weight: 400;\">. Platforms like Franklin Templeton, BlackRock, and UBS are already offering tokenized share classes or launching digital fund wrappers.<\/span><\/p><p><span style=\"font-weight: 400;\">In this environment, fintechs need more than a \u201ccrypto\u201d feature. They need:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Token-ready core systems<\/b><span style=\"font-weight: 400;\"> with smart contract integration<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Compliant custody<\/b><span style=\"font-weight: 400;\"> and KYC rails (Fireblocks, MetaMask Institutional, Anchorage)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Multi-chain interoperability<\/b><span style=\"font-weight: 400;\"> (via LayerZero, Chainlink CCIP, or token bridges)<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Governance logic that supports <\/span><b>programmable finance<\/b><span style=\"font-weight: 400;\">, e.g., vesting schedules, compliance logic, and dividend triggers embedded into the asset<\/span><\/li><\/ul><p><b>What this means for fintech leaders:<\/b><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>CBDCs will pressure traditional payment architecture.<\/b><span style=\"font-weight: 400;\"> Prepare for API-based integration.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Tokenization will move from asset class to asset standard.<\/b><span style=\"font-weight: 400;\"> Plan for interoperability and standard compliance.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Smart contracts need controls, not just code.<\/b><span style=\"font-weight: 400;\"> Include testing, upgrade paths, and embedded policy logic.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Fintechs must differentiate between DLT-based innovation and regulatory grey zones.<\/b> Build with legal clarity and compliance in mind.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5de8835 elementor-widget elementor-widget-image\" data-id=\"5de8835\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"606\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/11\/tokenized-assets-market.svg\" class=\"attachment-full size-full wp-image-189503\" alt=\"Bar chart showing tokenized assets market growth to $10.9T in 2030 at 328% CAGR.\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-33340af e-con-full e-flex e-con e-child\" data-id=\"33340af\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-9c37a1e elementor-widget elementor-widget-text-editor\" data-id=\"9c37a1e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span style=\"font-weight: 400;\">Trend 11. Decentralized banking enters the regulated mainstream<\/span><\/h2><p><span style=\"font-weight: 400;\">By<\/span><span style=\"font-weight: 400;\"> <span id=\"current-year\">2026<\/span><\/span><span style=\"font-weight: 400;\">, decentralized banking will no longer be an experiment but a viable operating model. Early <\/span><a href=\"https:\/\/innowise.com\/case\/building-a-decentralized-banking-platform\/\"><b>deobanks<\/b><\/a><span style=\"font-weight: 400;\"> are emerging: fully regulated financial platforms built on blockchain rails, combining the transparency of DeFi with the usability and compliance of traditional finance.<\/span><\/p><p><span style=\"font-weight: 400;\">Where <\/span><a href=\"https:\/\/innowise.com\/blog\/neobank-guide\/\"><b>neobanks<\/b><\/a><span style=\"font-weight: 400;\"> digitized the front end, <\/span><b>deobanks re-engineer the core.<\/b><span style=\"font-weight: 400;\"> Smart contracts now handle deposits, lending, liquidity, and rewards autonomously, while programmable compliance ensures every action remains audit-ready. This shift moves finance from \u201capps on rails\u201d to <\/span><b>native on-chain ecosystems<\/b><span style=\"font-weight: 400;\">, which are open, composable, and permissionless by design.<\/span><\/p><p><strong>Why it matters in <span id=\"current-year\">2026<\/span><\/strong><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Regulated DeFi arrives.<\/b><span style=\"font-weight: 400;\"> Governments and central banks are piloting frameworks that let decentralized institutions operate under KYC\/AML oversight while maintaining on-chain transparency.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Programmable liquidity takes hold.<\/b><span style=\"font-weight: 400;\"> Automated liquidity optimization and revenue-sharing models create faster settlement cycles and new income streams for banks and fintechs.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Hybrid TradFi\u2013DeFi integration.<\/b><span style=\"font-weight: 400;\"> Fiat\u2013crypto on\/off ramps, card payments, and API-first microservices make decentralized banking feel as seamless as a conventional app.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Resilient, global infrastructure.<\/b><span style=\"font-weight: 400;\"> Non-custodial wallets and multi-chain architectures reduce single-point-of-failure risk and open access to borderless finance.<\/span><\/li><\/ul><p><b>What this means for fintech leaders<\/b><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Prepare for composability.<\/b><span style=\"font-weight: 400;\"> Future banking stacks will be modular, blockchain-native, and interoperable across multiple networks.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Design for regulation from day one.<\/b><span style=\"font-weight: 400;\"> Tiered KYC, policy-as-code, and continuous audit trails will define compliant DeFi operations.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Rethink growth.<\/b> Deobanks offer strategic differentiation with lower operational costs, transparent settlement, and the ability to scale globally without intermediaries.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-220c291 e-con-full e-flex e-con e-child\" data-id=\"220c291\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cc19a2e inherit-fonts elementor-widget elementor-widget-text-editor\" data-id=\"cc19a2e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The decentralized banking model is the next evolution of digital finance. With token rewards, on-chain referral validation, and seamless wallet integration, these platforms deliver a truly Web3-native experience. What makes deobanks stand out is how they blend DeFi transparency and automation with the compliance and usability of traditional finance. In <span id=\"current-year\">2026<\/span>, they\u2019re redefining what it means to be a bank.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-006899d e-grid e-con-full e-con e-child\" data-id=\"006899d\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-da355e2 elementor-widget elementor-widget-image\" data-id=\"da355e2\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/10\/Photo-1-2.png\" title=\"\" alt=\"Alexandr Bondarenko\" loading=\"lazy\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-52301d1 e-con-full e-flex e-con e-child\" data-id=\"52301d1\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ed803ac quoter no-text-decoration elementor-widget elementor-widget-text-editor\" data-id=\"ed803ac\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>Alexandr Bondarenko<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-12353b5 quoter-pos elementor-widget elementor-widget-text-editor\" data-id=\"12353b5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"grey\">Delivery manager, deobanking<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ea26b42 e-con-full e-flex e-con e-child\" data-id=\"ea26b42\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f3e5bc1 elementor-widget elementor-widget-text-editor\" data-id=\"f3e5bc1\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span style=\"font-weight: 400;\">Trend 12. Hyper-personalization becomes the UX standard<\/span><\/h2><p><span style=\"font-weight: 400;\">In <span id=\"current-year\">2026<\/span><\/span><span style=\"font-weight: 400;\">, customers expect platforms to anticipate their needs, not just respond to them. That\u2019s why hyper-personalization is moving from a luxury to a <\/span><b>core capability<\/b><span style=\"font-weight: 400;\">.<\/span><\/p><p><span style=\"font-weight: 400;\">We\u2019ve gone from basic audience segmentation to <\/span><b>real-time behavioral tailoring<\/b><span style=\"font-weight: 400;\">. Product recommendations, credit offers, and savings nudges are all being personalized based on how users interact, what they ignore, and even their transaction rhythms.<\/span><\/p><p><span style=\"font-weight: 400;\">AI plays a central role here, but the real differentiator is <\/span><b>how you orchestrate them<\/b><span style=\"font-weight: 400;\">. Leading platforms are using:<\/span><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Customer data platforms (CDPs)<\/b><span style=\"font-weight: 400;\"> like Segment or mParticle to unify behavioral, financial, and support data<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Feature stores<\/b><span style=\"font-weight: 400;\"> like Feast or Tecton to serve real-time data into personalization engines<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>AI pipelines<\/b><span style=\"font-weight: 400;\"> (often built with tools like Vertex AI or Databricks) to score context in milliseconds<\/span><\/li><\/ul><p><span style=\"font-weight: 400;\">This creates a lending app that adjusts repayment offers based on real-time affordability, or a neobank that adapts its UI layout based on how each customer engages. Even UX flows, such as onboarding or re-auth, can now adjust per user.<\/span><\/p><p><span style=\"font-weight: 400;\">What is more, <span id=\"current-year\">2026<\/span><\/span><span style=\"font-weight: 400;\">\u00a0brings a sharper focus on <\/span><b>personalization ethics<\/b><span style=\"font-weight: 400;\">. Regulators are asking: Is that hyper-targeted credit offer helpful or predatory? Fintechs need not just relevance, but transparency and user control.<\/span><\/p><p><b>What this means for fintech leaders:<\/b><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Hyper-personalization is a product competency<\/b><span style=\"font-weight: 400;\">, not a feature, so invest accordingly<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Model explainability and fairness<\/b><span style=\"font-weight: 400;\"> are no longer optional, and regulators are watching<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Opt-out and consent frameworks<\/b><span style=\"font-weight: 400;\"> must evolve with personalization depth<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Modular UI\/UX architecture<\/b><span> allows for experimentation across segments<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-06b50e3 e-con-full e-flex e-con e-child\" data-id=\"06b50e3\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8a1d0cf elementor-widget elementor-widget-text-editor\" data-id=\"8a1d0cf\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Trend 13. Smarter green finance &amp; ESG<\/h2><p><span style=\"font-weight: 400;\">Sustainability in fintech isn&#8217;t new, but in <\/span><span style=\"font-weight: 400;\">2026<\/span><span style=\"font-weight: 400;\">, it&#8217;s getting a serious upgrade. Moving beyond carbon calculators and ESG badges buried in a dashboard. This year, climate fintech is becoming smarter, more regulated, and finally, scalable.<\/span><\/p><p><span style=\"font-weight: 400;\">Let\u2019s start with the data. Fintechs are now plugging AI into their ESG engines. We\u2019re seeing models fine-tuned to sift through corporate disclosures, spot greenwashing, and extract real insights from oceans of unstructured reports. Tools like ESG Book and Greenomy are stepping up with cleaner, audit-ready APIs. This means not just showing a carbon score anymore, but proving it, on demand, in a format regulators can read.<\/span><\/p><p><span style=\"font-weight: 400;\">And speaking of regulation, that\u2019s heating up too. The EU\u2019s <\/span><a href=\"https:\/\/eur-lex.europa.eu\/eli\/dir\/2022\/2464\/oj\/eng\" target=\"_blank\" rel=\"noopener nofollow\"><span style=\"font-weight: 400;\">CSRD<\/span><\/a><span style=\"font-weight: 400;\"> is forcing large companies (and by extension, fintechs serving them) to disclose structured ESG data. In parallel, new rules are standardizing <\/span><i><span style=\"font-weight: 400;\">how<\/span><\/i><span style=\"font-weight: 400;\"> ESG ratings are defined and used. This means fintechs can\u2019t just rely on third-party labels. They need traceability, model explainability, and clean handoffs to clients who are under the microscope.<\/span><\/p><p><span style=\"font-weight: 400;\">On the product side, green finance is finally scaling. We\u2019re seeing micro-investment platforms that channel spare change into climate-positive portfolios, credit products with emissions-based pricing, and SME tools that automate ESG reporting.\u00a0<\/span><\/p><p><b>What this means for fintech leaders:<\/b><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><b>ESG is a product and compliance requirement.<\/b><span style=\"font-weight: 400;\"> Treat it like core infrastructure.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Your ESG data flows need to be <\/span><b>clean, explainable, and ready to pass regulatory sniff tests.<\/b><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Don\u2019t stop at offsets.<\/b><span style=\"font-weight: 400;\"> Think in terms of incentives, embedded carbon intelligence, and emissions-aware pricing models.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\">If you\u2019re using AI in your ESG workflows, <b>make sure you can show your work<\/b>. Transparency builds trust.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-92ff063 e-con-full e-flex e-con e-child\" data-id=\"92ff063\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-bbcbc54 e-con-full e-flex e-con e-child\" data-id=\"bbcbc54\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fb325da elementor-widget-tablet__width-inherit elementor-widget__width-initial max100 elementor-widget elementor-widget-heading\" data-id=\"fb325da\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Turn <a>ESG compliance<\/a> into your fintech superpower with Innowise.<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1e8d52b e-con-full e-flex e-con e-child\" data-id=\"1e8d52b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-0a4487d elementor-absolute elementor-widget-mobile__width-inherit transform cta3 elementor-widget elementor-widget-html\" data-id=\"0a4487d\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"wave-container\"><\/div>\r\n\r\n<style>\r\n    a.internal-a:hover {\r\n        color: #C63031 !important;\r\n    }\r\n\r\n  .wave-container {\r\n    width: 400px;\r\n    height: 400px;\r\n  }\r\n\r\n  @media(max-width: 767px) {\r\n    .wave-container {\r\n      width: 100%;\r\n      height: 100%;\r\n    }\r\n  }\r\n\r\n\r\n  .wave {\r\n    position: absolute;\r\n    border: 1px solid rgba(210, 184, 214, 1);\r\n    border-radius: 50%;\r\n    animation: drop 16s infinite;\r\n    top: 50%;\r\n    left: 50%;\r\n    transform: translate(-50%, -50%);\r\n    box-sizing: border-box;\r\n  }\r\n\r\n  @keyframes drop {\r\n    0% {\r\n      width: 0px;\r\n      height: 0px;\r\n      border: 1px solid rgba(210, 184, 214, 1);\r\n    }\r\n\r\n    100% {\r\n      width: 400px;\r\n      height: 400px;\r\n      border: 1px solid rgba(210, 184, 214, 0);\r\n    }\r\n  }\r\n<\/style>\r\n\r\n<script>\r\n\r\n  document.addEventListener('DOMContentLoaded', () => {\r\n    function createWaves(numberOfWaves) {\r\n      const waveContainers = document.querySelectorAll('.cta3 .wave-container');\r\n\r\n      waveContainers.forEach((waveContainer) => {\r\n        for (let i = 0; i < numberOfWaves; i++) {\r\n          const wave = document.createElement('div');\r\n          wave.classList.add('wave');\r\n\r\n          wave.style.animationDelay = `${i * 0.8}s`;\r\n\r\n          waveContainer.appendChild(wave);\r\n        }\r\n      });\r\n    }\r\n\r\n    createWaves(10)\r\n  });\r\n<\/script>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46421ea elementor-align-left elementor-widget__width-initial elementor-widget-mobile__width-inherit cta-btn elementor-widget elementor-widget-button\" data-id=\"46421ea\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"#contact-form\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Build ESG success<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c8141d0 e-con-full e-flex e-con e-child\" data-id=\"c8141d0\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-665309d elementor-widget elementor-widget-text-editor\" data-id=\"665309d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span style=\"font-weight: 400;\">Trend 14.<\/span> <span style=\"font-weight: 400;\">Financial inclusion through edge innovation<\/span><\/h2><p>Financial inclusion used to be treated like a CSR checkbox. But in <span id=\"current-year\">2026<\/span>, it\u2019s fast becoming a fintech growth strategy. And what\u2019s powering this shift is innovation happening at the edges of infrastructure.<\/p><p><span style=\"font-weight: 400;\">We\u2019re talking about tools that let you onboard a new user in 30 seconds via voice, in their native language, on a $50 Android phone, with patchy data. Platforms are rolling out AI-driven agents that work without a screen, leveraging speech recognition and local language models. Digital ID systems like India\u2019s Aadhaar or Nigeria\u2019s NIN are being integrated directly into fintech onboarding. And micro-services are being spun up to deliver loans, insurance, and savings to segments that traditional banks ignored because the margins didn\u2019t make sense.<\/span><\/p><p><span style=\"font-weight: 400;\">Edge innovation isn\u2019t just rural anymore, either. In urban centers, fintechs are using behavioral data to underwrite credit for gig workers with no pay slips. Embedded finance models are showing up in last-mile logistics platforms, informal trade apps, and diaspora remittance flows.<\/span><\/p><p><b>What this means for fintech leaders:<\/b><\/p><ul><li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">If your product can\u2019t work offline, in a browser, or with low bandwidth,<\/span><b> it\u2019s not inclusive<\/b><span style=\"font-weight: 400;\">.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Voice-first UX, multilingual support, and native mobile flows<\/b><span style=\"font-weight: 400;\"> are foundational to product adoption and reach.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Rethink onboarding.<\/b><span style=\"font-weight: 400;\"> National digital ID systems, alternative credit models, and embedded KYC will expand your total addressable market.<\/span><\/li><li style=\"font-weight: 400;\" aria-level=\"1\"><b>Don\u2019t underestimate monetization.<\/b><span style=\"font-weight: 400;\"> Inclusion is a pipeline to entirely new business models.<\/span><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-031db55 e-con-full e-flex e-con e-child\" data-id=\"031db55\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6fc3c81 elementor-widget elementor-widget-text-editor\" data-id=\"6fc3c81\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2><span style=\"font-weight: 400;\">Transform your financial services strategy with Innowise<\/span><\/h2><p><span style=\"font-weight: 400;\">Now that you\u2019ve seen the fintech trends shaping <\/span><span style=\"font-weight: 400;\">2026<\/span><span style=\"font-weight: 400;\">, the path forward is clearer, but insight alone won\u2019t keep you ahead. Action will.<\/span><\/p><p><span style=\"font-weight: 400;\">At Innowise, we don\u2019t just track trends, we turn them into real strategies, tailored to your business. Whether you\u2019re rethinking your roadmap or building from scratch, we\u2019re here to ask the right questions, challenge outdated thinking, and help you <\/span><a href=\"\/industries\/finance\/fintech-consulting\/\"><span style=\"font-weight: 400;\">move with confidence<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p><p><strong>Let\u2019s shape what\u2019s next together.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5f364c6 e-con-full e-flex e-con e-child\" data-id=\"5f364c6\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b208130 elementor-widget elementor-widget-shortcode\" data-id=\"b208130\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">[post_share]<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-214cd79 e-con-full tablePadding40 e-flex e-con e-child\" data-id=\"214cd79\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-3993eb5 e-grid e-con-full e-con e-child\" data-id=\"3993eb5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-78d37ec elementor-widget elementor-widget-image\" data-id=\"78d37ec\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"100\" height=\"100\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/04\/Rectangle-34624316.png\" class=\"attachment-full size-full wp-image-182085\" alt=\"Siarhei Sukhadolski\" srcset=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/04\/Rectangle-34624316.png 100w, https:\/\/innowise.com\/wp-content\/uploads\/2025\/04\/Rectangle-34624316-12x12.png 12w\" sizes=\"(max-width: 100px) 100vw, 100px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-44ab380 e-con-full e-flex e-con e-child\" data-id=\"44ab380\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-b0d6c51 e-con-full e-flex e-con e-child\" data-id=\"b0d6c51\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4599cf6 no-text-decoration elementor-widget elementor-widget-heading\" data-id=\"4599cf6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\"><a href=\"\/authors\/siarhei-sukhadolski\/\">Siarhei Sukhadolski<\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2231afa elementor-widget elementor-widget-image\" data-id=\"2231afa\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.linkedin.com\/in\/sergey-sukhodolskiy\/\" target=\"_blank\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"32\" height=\"33\" src=\"https:\/\/innowise.com\/wp-content\/uploads\/2025\/04\/Social-icons-1.svg\" class=\"attachment-full size-full wp-image-181902\" alt=\"Linkedin icon\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a717358 elementor-widget elementor-widget-text-editor\" data-id=\"a717358\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Senior Technical Delivery Manager in Healthcare and MedTech<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cbd6e29 e-con-full e-flex e-con e-child\" data-id=\"cbd6e29\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7d34b22 text4String elementor-widget elementor-widget-text-editor\" data-id=\"7d34b22\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Siarhei leads our FinTech direction with deep industry knowledge and a clear view of where digital finance is heading. He helps clients navigate complex regulations and technical choices, shaping solutions that are not just secure \u2014 but built for growth.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c66280e readMore elementor-widget elementor-widget-heading\" data-id=\"c66280e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\"><a href=\"\/authors\/siarhei-sukhadolski\/\">Read more<\/a><\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3feab10 table-content-container e-con-full e-flex e-con e-child\" data-id=\"3feab10\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-bc60468 e-con-full stickyTable e-flex e-con e-child\" data-id=\"bc60468\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3eb7f17 author-block e-con-full e-flex e-con e-child\" data-id=\"3eb7f17\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3d79e17 ddcv elementor-widget elementor-widget-html\" data-id=\"3d79e17\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<style>\r\n\r\n.article-description > .e-con-inner{\r\n     align-items: baseline !important;\r\n}\r\n\r\n.table-content-container {\r\n    position: sticky;\r\n    top: 72px;\r\n    bottom: auto;   \r\n}  \r\n\r\n<\/style>\r\n\r\n<script>\r\ndocument.addEventListener(\"DOMContentLoaded\", ()=>{\r\n        \r\nconst headerElement = document.querySelector(\".new-menu\");\r\n\r\nconst stickyElement = document.querySelector(\".table-content-container\");\r\n\r\nconst headerElementH = headerElement.clientHeight;\r\n\r\nstickyElement.style.top =  headerElementH + 60 + \"px\"\r\n        \r\n});\r\n<\/script>\r\n\r\n\r\n<!--NOTE Change data-id in wrapper styles for hide this block on the mobile device screen-->\r\n<div class=\"toc-wrapper\">\r\n  <h4 class=\"toc-title\">Table of contents<\/h4>\r\n  <div class=\"toc toc-2\"><\/div>\r\n<\/div>\r\n\r\n<script>\r\n  \/\/NOTE Add the value from h2 as the key and the text you want to display as the key value in LINKS variable:\r\n  \/\/   const LINKS = {\r\n  \/\/       \"The demand for retail digital transformation\": \"The demand\"\r\n  \/\/   }\r\n\r\n  \r\n  \/\/NOTE Add the value from h2 as the key and the text you want to display as the key value in LINKS variable:\r\n  \/\/   const LINKS = {\r\n  \/\/       \"The demand for retail digital transformation\": \"The demand\"\r\n  \/\/   }\r\n\r\n  const LINKS = {\r\n    \"Unleashing the power of .NET 8\": \"gggggg\",\r\n    \"Revamping legacy systems: unlocking business potential through software modernization\":\r\n      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header.textContent;\r\n          \r\n\r\n      const headerTocText = header.dataset.title;\r\n\r\n      const idFromText =\r\n        !headerId || headerId === \"\"\r\n          ? headerText\r\n              .toLowerCase()\r\n              .replace(\/[^\\w ]+\/g, \"\")\r\n              .replace(\/ +\/g, \"-\")\r\n          : headerId;\r\n          \r\n         \r\n\r\n      const newListItem = document.createElement(\"li\");\r\n      const newLink = document.createElement(\"a\");\r\n      newLink.setAttribute(\"href\", \"#\" + idFromText);\r\n      newLink.textContent = LINKS[headerText] || headerText;\r\n\r\n      newLink.addEventListener(\"click\", (e) => {\r\n          \r\n        e.preventDefault();\r\n        const y =\r\n          header.getBoundingClientRect().top +\r\n          window.pageYOffset -\r\n          PADDING_BOTTOM_FOR_SCROLL -\r\n          OFFSET;\r\n          ticking = true; \r\n        window.scrollTo({ top: y, behavior: \"smooth\" });\r\n        \r\n        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class=\"elementor-element elementor-element-3ac348c elementor-widget elementor-widget-shortcode\" data-id=\"3ac348c\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\">\n<div class=\"wpcf7 no-js\" id=\"wpcf7-f100240-o1\" lang=\"en-US\" dir=\"ltr\" data-wpcf7-id=\"100240\">\n<div class=\"screen-reader-response\"><p role=\"status\" aria-live=\"polite\" aria-atomic=\"true\"><\/p> <ul><\/ul><\/div>\n<form action=\"\/it\/wp-json\/wp\/v2\/posts\/184053#wpcf7-f100240-o1\" method=\"post\" class=\"wpcf7-form init\" aria-label=\"Contact form\" enctype=\"multipart\/form-data\" novalidate=\"novalidate\" data-status=\"init\">\n<fieldset class=\"hidden-fields-container\"><input type=\"hidden\" name=\"_wpcf7\" value=\"100240\" \/><input type=\"hidden\" name=\"_wpcf7_version\" value=\"6.1\" \/><input type=\"hidden\" name=\"_wpcf7_locale\" value=\"en_US\" \/><input type=\"hidden\" name=\"_wpcf7_unit_tag\" value=\"wpcf7-f100240-o1\" \/><input type=\"hidden\" name=\"_wpcf7_container_post\" value=\"0\" \/><input type=\"hidden\" name=\"_wpcf7_posted_data_hash\" value=\"\" \/><input type=\"hidden\" name=\"_wpcf7_recaptcha_response\" value=\"\" \/>\n<\/fieldset>\n<style>\n#form-templates .contact__info {\n  background-color: #f4f4f4;\n  padding: 70px 44px 70px 50px;\n  position: relative;\n  max-width: 540px;\n  width: 100%;\nborder: 1px solid #AEB1B7;\n}\n\n#form-templates .contact__info-background {\n  z-index: -1;\n  position: absolute;\n  top: 20px;\n  left: 20px;\n  width: 100%;\n  height: 100%;\n  border: 1px dashed #ef4557;\n}\n\n\n#form-templates .new-container{\ndisplay: flex;\njustify-content: space-between;\nflex-wrap: wrap;\n}\n\n\n#form-templates{\npadding: 100px 15px 100px 15px;        \n}\n\n#form-templates .contact__info-heading {\n  font-family: 'Sora' !important;\n  font-style: normal !important;\n  font-weight: 400 !important;\n  font-size: 36px !important;\n  line-height: 46px !important;\n  color: #2E2E2E !important;\n   margin-bottom: 60px !important;\n\n}\n\n\n#form-templates .message label{\ncolor: #585858 !important;   \n}\n\n.elementor-widget-container.form-template h2,.elementor-widget-container.form-template h1{\n font-size: 60px !important;\n  line-height: 70px !important;\n  font-family: \"Sora\", Sans-serif;\n  font-weight: 400;\n  margin: 0;  \n  margin-bottom: 20px;\n}\n\n\n\n\n.elementor-widget-container.form-template p{\n  font-family: \"Karla\", Sans-serif;\n  font-size: 22px;\n  font-weight: 400;\n  line-height: 28px;\n  color: var( --e-global-color-primary );\n  max-width: 700px;\n  margin: 0; \n  margin-bottom: 40px;\n} \n  \n\n\n.new-container #spinner{\nwidth: 50%;\nmax-width: 700px;\n}\n\n\n#form-templates .new-container #spinner div.contact-us__wrapper:nth-child(6){\ngap:30px; \n    \n}\n\n\n#form-templates .contact__info-heading {\n  margin-bottom: 67px;\n  font-size: 36px;\n  font-family: karla;\n  color:  #2E2E2E;\n\n  line-height: 49px;\n}\n\n#form-templates .contact__info-steps {\n  display: flex;\n  flex-direction: column;\n  max-width: 425x;\n  row-gap: 20px;\n  border-left: 1px solid #2e2e2e;\n}\n\n#form-templates .contact__info-block {\n  position: relative;\n  padding-left: 45px;\n}\n\n#form-templates .contact__info-block:last-child {\n  box-shadow: -1px 0 0 1px #f4f4f4;\n}\n\n#form-templates .contact__info-step {\n  position: absolute;\n  border: 1px solid #2e2e2e;\n  width: 40px;\n  height: 40px;\n  display: flex;\n  align-items: center;\n  justify-content: center;\n  border-radius: 20px;\n  left: -20px;\n  top: -8px;\n  background-color: #F4F4F4;\n  color:  #2E2E2E;\n\nfont-family: Karla;\nfont-weight: 700;\nfont-size: 18px;\nline-height: 28px;\n\n}\n\n.elementor-widget-global .contact__info-step {\n        color:  #2E2E2E;\n}\n\n#form-templates .contact__info-text {\n  margin: 0;\n  font-size: 16px;\n  line-height: 26px;\n  color: #2E2E2E;\n  font-family: karla;\n\n  width: 100%;\n}\n\n\n#form-templates .contact-us__send{\nflex-shrink: 0;\nmargin-top:0;\n}\n\n\n\n@media screen and (max-width: 1279px) {\n    .new-container #spinner{\n        width: 100%;\n        max-width:100%;\n        margin-bottom:40px;\n    }\n    \n\n    .new-container .contact__info {\n        max-width: 700px !important;\n    }\n    \n}\n\n\n@media screen and (max-width: 1279px) {\n#form-templates{\npadding: 60px 15px 70px 15px;     \n}\n}\n\n\n\n@media screen and (max-width: 767px) {\n\n#form-templates .new-container #spinner div.contact-us__wrapper:nth-child(6){\ngap:20px; \n \n}\n\n\n  #form-templates .contact__info {\n    padding: 20px 20px 40px 40px;\n    margin: 0 auto;\n  }\n\n\n#form-templates{\npadding: 40px 15px 50px 15px;  \n    \n}\n\n  \n   .new-container #spinner{\n       \n    margin-bottom:30px;   \n   }\n   \n   \n   .elementor-widget-container.form-template h2,.elementor-widget-container.form-template h1{\n   font-size: 32px !important;\n    line-height: 42px !important;    \n   }\n   \n   \n   .elementor-widget-container.form-template p{\n       \n    font-size: 16px;\n    line-height: 20px;  \n    margin-bottom: 30px;\n \n       \n   }\n   \n   #form-templates .contact__info-heading{\n   font-size: 24px !important;\n    line-height: 49px !important;    \n       \n   }\n   \n\n.mailToContact{\nmargin-top: 10px !important;        \n}\n   \n\n  #form-templates .contact__info-heading {\n    font-size: 24px;\n    margin-bottom: 37px;\n  }\n\n  #form-templates .contact__info-background {\n    top: 10px;\n    left: 10px;\n  }\n\n  #form-templates .contact__info-text {\n    font-size: 12px;\n    line-height: 20px;\n  }\n  \n  \n  #form-templates .contact__info-heading {\n   margin-bottom: 35px !important;\n\n}\n\n}\n\n@media (max-width: 767px) {\n    .mailToContact {\n        max-width: 100%;\n    }\n}\n<\/style>\n\n<script>\nwindow.addEventListener('hashchange',function(e){if(window.history.pushState){window.history.pushState('','\/',window.location.pathname)}else{window.location.hash=''}})\n<\/script>\n\n\n<div id=\"form-templates\">\n<div class=\"elementor-widget-container form-template\">\n<a name=\"contact-form\"><\/a>\n<h2>Contact us<\/h2>\n<p><a id=\"calendlylink\" style=\"color: #c63031; border-bottom: 1px solid #c63031; padding: 0;\">Book a call<\/a> or fill out the form below and we\u2019ll get back to you once we\u2019ve processed your request.<\/p>\n<\/div>\n\n<div class=\"new-container\">\n\n\n<div class=\"contact-us__main\" id=\"spinner\" data-no-defer=\"1\">\n\n<div class=\"contact-us__wrapper\">\n\n<div class=\"name\">\n<label>Name<\/label>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"field_name\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required contact-us__name\" id=\"contact-name\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Name*\" value=\"\" type=\"text\" name=\"field_name\" \/><\/span>\n<\/div>\n\n<div class=\"company\">\n<label>Company<\/label>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"company\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-text wpcf7-validates-as-required contact-us__company\" id=\"contact-company\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Company*\" value=\"\" type=\"text\" name=\"company\" \/><\/span>\n<\/div>\n\n<\/div>\n\n<div class=\"contact-us__wrapper\">\n\n<div class=\"email\">\n<label>Email<\/label>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"email\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-email wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-email contact-us__email\" id=\"contact-email\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Corporate email*\" value=\"\" type=\"email\" name=\"email\" \/><\/span>\n<\/div>\n\n<div class=\"phone\">\n<label>Phone<\/label>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"tel\"><input size=\"40\" maxlength=\"400\" class=\"wpcf7-form-control wpcf7-tel wpcf7-validates-as-required wpcf7-text wpcf7-validates-as-tel contact-us__phone\" id=\"contact-phone\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Phone*\" value=\"\" type=\"tel\" name=\"tel\" \/><\/span>\n<\/div>\n\n<\/div>\n<div class=\"contact-us__wrapper subj\">\n<span class=\"wpcf7-form-control-wrap\" data-name=\"your-recipient\"><select class=\"wpcf7-form-control wpcf7-select\" id=\"form-field-subj_js\" aria-invalid=\"false\" name=\"your-recipient\"><option value=\"\">Subject*<\/option><option value=\"IT staff augmentation\">IT staff augmentation<\/option><option value=\"Turnkey product development\">Turnkey product development<\/option><option value=\"Support and enhancement\">Support and enhancement<\/option><option value=\"Careers\">Careers<\/option><option value=\"Other\">Other<\/option><\/select><\/span>\n\n<span class=\"wpcf7-form-control-wrap\" data-name=\"form-field-budget_js\"><select class=\"wpcf7-form-control wpcf7-select\" id=\"form-field-budget_js\" aria-invalid=\"false\" name=\"form-field-budget_js\"><option value=\"\">Project budget<\/option><option value=\"Under $15K\">Under $15K<\/option><option value=\"$15K-$30K\">$15K-$30K<\/option><option value=\"$30K-$100K\">$30K-$100K<\/option><option value=\"$100K-$250K\">$100K-$250K<\/option><option value=\"$250K-$500K\">$250K-$500K<\/option><option value=\"More than $500K\">More than $500K<\/option><\/select><\/span>\n\n<\/div>\n\n\n<div class=\"message\">\n<label>Message<\/label>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"message\"><textarea cols=\"40\" rows=\"1\" maxlength=\"2000\" class=\"wpcf7-form-control wpcf7-textarea wpcf7-validates-as-required contact-us__message\" id=\"contact-message\" aria-required=\"true\" aria-invalid=\"false\" placeholder=\"Describe your needs in detail*\" name=\"message\"><\/textarea><\/span>\n<\/div>\n\n<div class=\"atvoice-wrap\">\n\n<div class=\"voice-wrap\">\n<span id=\"voice-mut\" class=\"voicetext\">Send us a voice message<\/span>\n         <div class=\"qc_voice_audio_wrapper\">\n            <div class=\"qc_voice_audio_container\">\n                <div class=\"qc_voice_audio_upload_main\" id=\"qc_audio_main\">\n                    <a class=\"qc_audio_record_button\" id=\"qc_audio_record\" href=\"#\" aria-label=\"Record an audio message\">\n                        <span class=\"dashicons dashicons-microphone\"><\/span> \u00a0<\/a> \n                <\/div>\n\n                <div class=\"qc_voice_audio_recorder\" id=\"qc_audio_recorder\" style=\"display:none\">\n\n                <\/div>\n                <div class=\"qc_voice_audio_display\" id=\"qc_audio_display\"  style=\"display:none\">\n                    <audio id=\"qc-audio\" controls src=\"\"><\/audio>\n                    <span title=\"Remove and back to main upload screen.\" class=\"qc_audio_remove_button dashicons dashicons-trash\"><\/span>\n                <\/div>\n            <\/div>\n            <input type=\"hidden\" value=\"\" name=\"qcwpvoicemessage\" id=\"qc_audio_url\" \/>\n        <\/div>\n        \n<\/div>\n\n\n<div class=\"attach-wrap\">\n<span class=\"voicetext\">Attach documents<\/span>\n\n<div class='attachment'>\n\n<div class=\"downloaded\">\n<span><\/span>\n<div class=\"deleteFile\"><\/div>\n<\/div>\n\n<div class=\"attachmentButton\" onclick=\"(function cl(e){if(e.target.nodeName == 'DIV'){e.target.parentNode.children[1].children[0].click(); }})(arguments[0]);\">\n\n<div class=\"innerText\">Upload file<\/div>\n<span class=\"wpcf7-form-control-wrap\" data-name=\"att-files\"><input size=\"40\" class=\"wpcf7-form-control wpcf7-file\" accept=\".jpg,.png,.jpeg,.pdf\" aria-invalid=\"false\" type=\"file\" name=\"att-files\" \/><\/span>\n\n<div class=\"tip\" onclick=\"event.stopPropagation()\">\n<p>You can attach 1 file up to 2MB. Valid file formats: pdf, jpg, jpeg, png.<\/p>\n<\/div>\n\n<\/div>\n\n<\/div>\n\n<\/div>\n\n\n\n<\/div>\n\n<div class=\"contact-us__wrapper\"> \n<p class=\"pp\">By clicking Send, you consent to Innowise processing your personal data per our<a href=\"\/privacy-notice\/\"> Privacy Policy <\/a>to provide you with relevant information. By submitting your phone number, you agree that we may contact you via voice calls, SMS, and messaging apps. Calling, message, and data rates may apply.<\/p>\n\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"scoring_point\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utmCampaign\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utmContent\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utmMedium\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utmSource\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"utmTerm\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"location\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"city\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"ip\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"Summ\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"gclid\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"rating\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"urlCompany\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"urlWithParams\" \/>\n<input class=\"wpcf7-form-control wpcf7-hidden\" value=\"\" type=\"hidden\" name=\"audioMessageLink\" \/>\n<input class=\"wpcf7-form-control wpcf7-submit has-spinner contact-us__send\" id=\"contact-send-button\" type=\"submit\" value=\"Send\" \/>\n<\/div>\n\n<div class='mailToContact'>You can also send us your request <\/br>to <a href=\"mailto:contact@innowise.com\">contact@innowise.com<\/a><\/div>\n\n<\/div>\n\n<div class=\"elementor-widget-container\" style=\"z-index:1;\">\n<div class=\"contact__info\">\n  <div class=\"contact__info-background\"><\/div>\n  <div class=\"contact__info-heading\">What happens next?<\/div>\n  <div class=\"contact__info-steps\">\n\n    <div class=\"contact__info-block\">\n      <div class=\"contact__info-step\">1<\/div>\n      <p class=\"contact__info-text\">Once we\u2019ve received and processed your request, we\u2019ll get back to you to detail your\n        project needs and sign an NDA to ensure confidentiality.<\/p>\n    <\/div>\n\n    <div class=\"contact__info-block\">\n      <div class=\"contact__info-step\">2<\/div>\n      <p class=\"contact__info-text\">After examining your wants, needs, and expectations, our team will devise a project\n        proposal with the scope of work, team size, time, and cost estimates.<\/p>\n    <\/div>\n\n    <div class=\"contact__info-block\">\n      <div class=\"contact__info-step\">3<\/div>\n      <p class=\"contact__info-text\">We\u2019ll arrange a meeting with you to discuss the offer and nail down the details.<\/p>\n    <\/div>\n\n    <div class=\"contact__info-block\">\n      <div class=\"contact__info-step\">4<\/div>\n      <p class=\"contact__info-text\">Finally, we\u2019ll sign a contract and start working on your project right away.<\/p>\n    <\/div>\n  <\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\n\n<\/div>\n\n<\/div><div class=\"wpcf7-response-output\" aria-hidden=\"true\"><\/div>\n<\/form>\n<\/div>\n<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"related_content_blog_container\">[related_content_list]<\/div><script>\n            jQuery( document ).ready(function($) {\n            var parentSection = $('[data-elementor-type=\"wp-page\"]');\n            if($('[data-elementor-type=\"wp-post\"]').length){\n                var parentSection = $('[data-elementor-type=\"wp-post\"]');\n            }\n            \n                parentSection.children().last().before($('.related_content_blog_container'));\n            });\n            <\/script><div class=\"other_services_container\">[need_other_services_v2]<\/div><script>\n                    jQuery( document ).ready(function($) {\n                        var parentSection = $('[data-elementor-type=\"wp-page\"]');\n                        if($('[data-elementor-type=\"wp-post\"]').length){\n                            var parentSection = $('[data-elementor-type=\"wp-post\"]');\n                        }\n                        \n                        console.log(parentSection);\n                        parentSection.children().last().before($('.other_services_container'));\n                        var sections = parentSection.find('.net-15.dt-16');\n                        for(var i = 0; 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Open finance is unlocking richer data, giving fintechs a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":184054,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"elementor_header_footer","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[128],"class_list":["post-184053","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-expert-tips","tag-fintech","tag-trends"],"acf":[],"_links":{"self":[{"href":"https:\/\/innowise.com\/it\/wp-json\/wp\/v2\/posts\/184053","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/innowise.com\/it\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/innowise.com\/it\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/innowise.com\/it\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/innowise.com\/it\/wp-json\/wp\/v2\/comments?post=184053"}],"version-history":[{"count":0,"href":"https:\/\/innowise.com\/it\/wp-json\/wp\/v2\/posts\/184053\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/innowise.com\/it\/wp-json\/wp\/v2\/media\/184054"}],"wp:attachment":[{"href":"https:\/\/innowise.com\/it\/wp-json\/wp\/v2\/media?parent=184053"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/innowise.com\/it\/wp-json\/wp\/v2\/categories?post=184053"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/innowise.com\/it\/wp-json\/wp\/v2\/tags?post=184053"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}