Fintech after import substitution. Application software, Open Banking, and AI are shaping the 2026 agenda.

Import substitution in the Russian financial sector has entered a phase of deliberate development. The basic technological substitution has taken place, and the market is increasingly asking: what will be the next source of growth and competitive advantage? Key changes are currently occurring in application software, the Open Banking model, and the practical implementation of artificial intelligence. Andrey Gulidin, Deputy General Director of T1 Innotech, discusses this with the PLUSworld portal.

Import substitution in the Russian financial sector has entered a phase of deliberate development. The basic technological substitution has taken place, and the market is increasingly asking: what will be the next source of growth and competitive advantage? Key changes are currently occurring in application software, the Open Banking model, and the practical implementation of artificial intelligence. Andrey Gulidin, Deputy General Director of T1 Innotech, discusses this with the PLUSworld portal.