QED Investors, a venture capital firm specializing in fintech, has shared insights on anticipated trends for 2026. Their predictions highlight significant changes driven by advancements in artificial intelligence (AI) and evolving market dynamics. Nigel Morris, co-founder of QED, forecasts the emergence of dynamic credit scoring that leverages alternative data for real-time assessments of borrower risk, especially in developing markets. This could particularly benefit gig economy workers who often have limited credit histories. Bill Cilluffo emphasizes the rapid pace of technological change, noting that AI is enabling innovations that were unimaginable just a few years ago. Chuckie Reddy points out that 2026 will focus on execution, as companies that are well-capitalized shift their attention to growth strategies, mergers, acquisitions, and profitability. Meanwhile, Amias Gerety warns that while AI can initially reduce costs, long-term competition among AI firms will drive down margins, complicating the investment landscape. Yusuf Özdalga predicts a normalization of AI valuations as the industry clarifies the true costs associated with implementing AI solutions. Laura Bock highlights the automation potential in accounts receivable and accounts payable processes, where even small improvements can significantly enhance cash flow and reduce errors. Shruti Batra cautions investors against mistaking early AI traction for sustainable advantages, emphasizing that depth of workflow, data rights, and compliance are critical for long-term success. Cole Lundquist notes a shift in investor interest from vertical solutions to broader horizontal ones, raising questions about market equilibrium as both approaches vie for capital and attention.