This article outlines key predictions for the fintech industry in 2026 based on insights from Plaid executives. It highlights a shift in focus for lenders towards fraud prevention, the potential unbundling of credit scores, and the unexpected use of AI by fraudsters over fintech companies.

Alex Lazarow outlines six key predictions for fintech in 2026, focusing on the slowing of cross-border expansion, the rise of M&A as a strategic tool, and the blurring lines between tech and services. He emphasizes the importance of depth in local markets and the need for startups to prioritize sustainable growth over rapid scaling.