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rewrite this title Download Fintech at the Crossroads: What Will Shape Financial Innovation in 2026? – Finovate

David Penn by David Penn
November 13, 2025
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rewrite this title Download Fintech at the Crossroads: What Will Shape Financial Innovation in 2026? – Finovate
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Download Fintech at the Crossroads: Regulatory Divergence and Technological Convergence in 2026, the latest report from the research team at Finovate.

This free resource highlights the challenges and opportunities banks, fintechs, and financial services providers will face next year as powerful trends in regulatory authority and technological innovation take hold.

“A wave of enabling technologies, new challenges, and shifting attitudes is reshaping the way companies and individuals all over the world are making, investing, spending, and moving their money … Emerging technologies such as agentic AI, stablecoins, and embedded finance are advancing alongside increasingly fragmented global regulation.”

Fintech at the Crossroads examines 10 emerging themes—including embedded finance, open banking, stablecoins, and agentic AI—that are moving to the top of the agenda for fintech innovators and regulatory authorities alike. The white paper looks at where these technologies are today and what directions they are likely to take banking and financial services in 2026.

Download Fintech at the Crossroads: Regulatory Divergence and Technological Convergence in 2026 today!

Photo by Javier Allegue Barros on Unsplash


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