India’s Fintech industry enters the new year 2026 with a new set of goals. The industry focused on rapid expansion through digital payments and aggressive customer acquisition in the beginning, but the sector is now focusing more towards sustainable growth, compliance, and risk management.
“We’re already seeing traditional boundaries blur- payments, lending, embedded finance, and banking capabilities are coming closer together as players look to build more integrated and efficient models. While payments continue to be powerful for driving access and engagement, long-term value will come from combining scale with operational efficiency across the financial stack,” said Ramki Gaddapati, Co-Founder, APAC CEO and Global CTO, Zeta.
India’s fintech industry is preparing to enter 2026 with a new Artificial intelligence (AI) emerging as a critical tool in this transformation, helping firms strengthen fraud detection, streamline regulatory processes, and enhance customer trust.
What does the data suggest?
According to Reserve Bank of India (RBI) data, digital payment volumes crossed 180 billion transactions in FY25, powered largely by the Unified Payments Interface (UPI) and embedded payment systems across commerce, mobility, and lending platforms.
Yet, regulators and industry leaders are increasingly concerned about operational risks and fraud. The RBI, along with the Bank for International Settlements (BIS), has highlighted vulnerabilities in digital payment ecosystems, urging fintechs to adopt stronger co
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