---
title: Financial Services Megatrends 2026 Report | Plug and Play
description: Discover the five megatrends reshaping financial services, the infrastructure behind the latest innovations, and the startups positioned to capture them.
image: https://welcome.plugandplaytechcenter.com/hubfs/Report%20%7C%20Financial%20Services%20Megatrends%202026%20%7C%20Cover%20Image.webp
---

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## Financial Services Megatrends | 2026 Report

Discover the five megatrends reshaping financial services, the infrastructure behind the next wave of innovation, and the startups positioning themselves to capture it.

### Download now

# 58% of Fintech VC went to AI. Only 30% to AI-Native Fintech.

 

### This report will give you an understanding of where capital is flowing and which technologies are building lasting infrastructure.

---

Financial institutions spent billions on AI. But getting it into production is proving harder than expected: just 5% of enterprise AI projects reach production.  Meanwhile, the market is moving fast. Fintechs like Revolut, Nubank, and Klarna are becoming full banks, and AI agents have started moving money autonomously. 

*This report was written by Salim Laouiti and Rita Belarbi from the Plug and Play Ventures team.*

 

 

## What's in this report

- Discover **40+ startups to follow** in fintech, such as Hodor, WaniWani, Stitcher AI, Lorum, and Resistant AI, that are changing how institutions govern agents, distribute products, control costs, and fight fraud.
- Why are most **AI investments stuck in pilots**, and how do the firms that scale them get past it?
- **Five megatrends** **shaping 2026 and beyond**, including the data foundation layer, AI governance, and agentic automation and commerce, among others.
- What happens when your **fintech competitors become banks**? See where they're winning and where they still struggle to make money.

## Salim Laouiti

### Investment Manager, *Plug and Play*

### "Financial institutions have moved past just launching AI pilots. The conversation has shifted to security: guardrails, compliance and governance, where control over what agents can actually do is now a top priority."

![Salim Lauoiti](https://welcome.plugandplaytechcenter.com/hubfs/Salim%20Lauoiti.png)

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