2026 Fintech is waking up: Powered by AI, Driven by Profit

Over the last few years, the fintech industry has gone through a roller coaster ride. After 2020-2021, things slowed down, became confusing and even scary for all startups and investors. IPO vanished, funding dropped, and many organizations started cutting costs just to manage and survive.

But now things are slowly and steadily changing.

While going through a couple of fintech newsletters, one line stood out and left a lasting impression.

“The market is not roaring back- but it is waking up”

It’s not like a sudden comeback or a bang. It’s just an early morning sunrise after a long night.

Earlier, investors used to put money anywhere as long as the company was growing fast, but currently, there is a shift in mindset. Growth is not a single thing to think about. They want useful problem-solving products, strong business models, profitability and loyal customers. Companies and financial Institutions ...