2026 Fintech Outlook: AI Agents, Stablecoins, Open Banking and the Future of Banks

As we move from 2025 into 2026, fintech, banking, AI, and digital assets are no longer separate conversations — they are converging.

In this special FintechTalk Show year-end episode, we bring together three of the most respected voices in banking and fintech to separate signal from hype and explain what actually gets built next.

This episode isn’t about buzzwords. It’s about how banks make decisions, how customers experience money, and how AI and automation will reshape financial services over the next decade.

If you work in:

Banking or credit unions
Fintech or embedded finance
AI, payments, lending, or wealth tech
Strategy, product, or innovation roles

This conversation is essential context for 2026.

🎙️ Featuring:

Ron Shevlin – Fintech analyst, author of Snark Tank, and one of the most trusted voices on what banks are really thinking

Steven Ramirez – CEO of Beyond the Arc, advising banks and fintechs on strategy, innovation, and customer experience

Bradley Leimer – Fintech strategist and advisor with deep experience across banks, fintech platforms, and venture capital

Hosted by Paddy Ramanathan, from the Fintechtalk Show.

00:00 – Introduction & 2025–2026 Fintech Transition
02:30 – Fintech IPOs, Funding & Market Sentiment Shift
05:00 – What Really Changed in Banking in 2025
07:40 – Open Banking, CFPB, and JP Morgan’s Data Pricing
09:15 – Has Fintech Actually Solved Customer Problems?
13:00 – Product vs Experience: What Banks Get Wrong
18:30 – DeFi, TradFi, Stablecoins & Tokenization Reality
24:50 – Is DeFi Being Absorbed by Banks?
29:00 – What Banks Are Focused on Right Now (Deposits & Lending)
36:00 – AI in Banks: Reality vs Hype
40:40 – Agentic AI Explained (Finally, Clearly)
48:50 – Governance, Risk & AI Autonomy Challenges
58:20 – What Will Actually Create Competitive Advantage
01:05:40 – The End of Screens? AI Agents & Future UX
01:10:45 – Bold Predictions for 2026
01:15:30 – Closing Thoughts

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Видео 2026 Fintech Outlook: AI Agents, Stablecoins, Open Banking and the Future of Banks канала iValley