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Fintechs enter 2026 with a more mature ecosystem, both in technological and regulatory integration, and with an increasingly relevant and omnipresent role within the financial system and in users’ everyday lives. These are some of the main trends for 2026.
The global fintech sector continues its transition toward more sustainable growth in 2026, at a more moderate pace compared to the pandemic years, according to the report The Future of Global Fintech, published by the World Economic Forum (WEF).
While customer growth has slowed as part of market normalization, revenue and profitability continue to advance strongly, reflecting a more mature industry with a clear focus on efficiency.
Between 2022 and 2023 (the latest WEF data available), global fintech revenues grew by a significant 40 percent, a pace very similar to profit growth (39 percent).
The report shows that nearly half of the fintechs mapped (48 percent) reported annual revenues below USD 2 million and up to USD 10 million between 2022 and 2023.
Another 26 percent recorded revenues between USD 10 million and USD 100 million, while 16 percent were in the USD 100 million to USD 500 million range. Only 10 percent exceeded USD 500 million in annual revenues, reflecting a sector with a broad base of smaller companies, but meaningful revenue generation.
According to the WEF figures, Latin America and the Caribbean leads among regions posting above average fintech revenue growth rates (46 percent), ahead of Asia Pacific (44 percent).
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Likewise, among the regions with the highest profit growth rates, Latin America and the Caribbean (45 percent) stands out, matching the level of the United States and Canada.
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Fintechs in Latin America and the Caribbean have positioned themselves as key allies for financial inclusion, especially in verticals such as digital payments and remittances, as well as services designed for other businesses.
World Bank figures included in The Global Findex report show that the share of adults with a bank or digital account rose from 50 percent in 2017 to nearly 70 percent in 2024 at the regional level, driven by these types of solutions.
Today, according to the World Bank, nearly 80 percent of adults worldwide now have a financial account, compared to 50 percent in 2011.
Although around 1.3 billion people globally remain outside the financial system, technology adoption and the mass expansion of instant payments can accelerate inclusion for millions of unbanked individuals.
According to figures from the Inter American Development Bank (IDB), Latin America and the Caribbean reached 3,069 fintech companies across 26 countries by 2023, representing growth of more than 340 percent since 2017. The segments with the largest number of companies are payments and remittances (21 percent of the total), lending (19 percent), and business financial management (13 percent).
The fintech market enters 2026 in this more mature stage, defined by more selective growth and business models focused on efficiency, scale, and sustainability.
The industry is moving forward with the integration of verticals such as stablecoins, greater use of artificial intelligence, a clear shift toward B2B solutions, and a more structural relationship with regulation.
In this context, the ability to offer end to end platforms that are reliable and adaptable across markets becomes the main differentiator and growth driver, according to Inswitch. Inswitch simplifies the integration of financial services, enabling companies to scale through its API based platform.
In 2026, the sector’s evolution will be shaped by the adoption of new tools that reduce friction, improve operational efficiency, and scale financial services across multiple markets, within an environment of higher regulatory demands and increased business focus. Within this framework, Inswitch highlights five main trends for the fintech ecosystem in 2026:
1. Stablecoins as a key building block for international payments
For Inswitch, stablecoins are positioned in 2026 as a practical way to move money across countries faster and at lower cost.
Stablecoins are cryptocurrencies designed to maintain a stable value, generally pegged to a currency such as the US dollar.
One potential use case is enabling businesses and platforms to make cross border payments more efficiently through techno financial solutions.
In 2026, stablecoins are expected to allow payments to be completed almost immediately, reducing costs and friction, especially in Latin American markets with unstable currencies.
According to a report by analysts at the International Monetary Fund (IMF), stablecoins have strong potential to make international payments faster and cheaper for both individuals and companies.
These cryptocurrencies are especially useful in places where traditional systems are often slow and expensive.
In some cases, sending a remittance can involve fees of up to 20 percent of the total amount sent, so these solutions could significantly reduce that cost for users.
As stablecoins consolidate alongside regulatory progress and as the remittance market expands, this technology will become more relevant within the financial system, according to Inswitch.
The market capitalization of the two largest stablecoins has tripled since 2023 and now totals USD 260 billion, while transaction volume grew 90 percent and reached USD 23 trillion in 2024, according to IMF figures. Stablecoins could drive innovation by increasing competition with established payment service providers, making retail digital payments more accessible for underserved customers.
2. AI applied to operational efficiency and risk management
Artificial intelligence is gaining increasing relevance within the fintech ecosystem to optimize payments, prevent fraud, and manage transactional risk in real time.
In countries such as Colombia, 86 percent of fintechs already using AI have reduced operating costs by an average of 44 percent, according to the Finnovista Fintech Radar Colombia 2025 report.
In that country, 38 percent of fintechs are already developing their own AI capabilities.
In 2026, AI can improve payment routing, detect anomalies, and optimize operating costs across multiple markets, strengthening infrastructure reliability.
This translates into fewer declines, higher service availability, and a more stable experience for business customers.
For IBM, AI helps accelerate financial processes, improve decision making, and strengthen business relationships by anticipating risks, projecting scenarios, and optimizing analysis, planning, and financial management.
In fintech, AI is also applied directly to credit risk assessment, virtual assistants, smart personal finance, portfolio management, and algorithmic trading.
3. A B2B focus as the engine of growth
In an environment increasingly shaped by digitalization, the integration of financial solutions becomes more relevant across multiple sectors that need to receive payments and adopt systems that enable instant money movement.
Boston Consulting Group (BCG) states that B2B services will lead the next era for fintechs and estimates that the market will grow at a compound annual rate of 32 percent, reaching USD 285 billion in annual revenues.
According to IDB figures, for 40.1 percent of fintech companies in the region, the dominant business model is already B2B solutions.
This model highlights the sector’s importance as an enabler of efficiency and innovation capabilities, the IDB explains.
Inswitch aligns with this 2026 trend, as B2B fintech gains relevance compared to mass consumer models.
Through its platform, Inswitch redefines financial operations by enabling companies to integrate and scale financial services in an agile, frictionless way.
As a provider of integrated financial technology, its API based platform helps companies across industries increase efficiency, ensure regulatory compliance, and deliver seamless financial experiences to their customers.
4. Regulation as a competitive advantage
In a context of higher regulatory demands, companies that adopt strict Compliance policies can benefit and adapt within an increasingly competitive environment.
In 2026, regulatory compliance will push many fintechs to seek partners that already have licenses, audited internal controls, and robust operational standards, such as Inswitch, which operates as an infrastructure provider with integrated compliance and SOC 1 and SOC 2 reports.
This positions Inswitch as an enabler for third parties that need to scale quickly across multiple jurisdictions without individually taking on the full regulatory and operational control burden.
Inswitch’s platform enables banks, neobanks, and gig economy companies to launch secure, multi currency digital wallets with configurable features, supported by formal control, security, and governance frameworks, fully aligned with regulatory requirements and seamlessly integrated with core banking systems.
At the same time, it allows workers in gig economy platforms to access their earnings immediately through stored value wallets, with exchange controls, cash out options, and identity management.
5. Fintech as a service as a defining trend
The fintech as a service model consolidates as one of the sector’s main trends, enabling non financial companies to integrate and offer digital financial services in an agile, scalable, and regulation compliant way, without building their own infrastructure.
This approach responds to rising demand for local and cross border payments, as well as the need to operate across multiple markets from a single technology platform.
In this context, Inswitch’s value proposition addresses two key challenges in enterprise digital transformation: an end to end payments infrastructure, both local and cross border, and a complete fintech stack that enables companies to build and launch reliable financial services quickly through a single regional integration.
According to Grand View Research, the global fintech as a service market grew from USD 266.56 billion in 2022 and is expected to reach USD 949.49 billion by 2030, with annual growth of 17.5 percent.
These figures are driven by strong demand for simple and efficient digital financial services from businesses and consumers.
Looking toward 2026, Latin America is reinforced as a key market for fintech in this evolution, driven by the expansion of digital payments, remittances, and financial digitalization.
At the same time, technologies such as stablecoins and artificial intelligence are redefining how financial services are built and operated by reducing costs, accelerating transactions, and improving risk management.
In this context, the B2B approach and fintech as a service gain relevance, as flexible and scalable infrastructure becomes the primary enabler of ecosystem growth.
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