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Fintech trends 2026. Is it time for banks to transform into AI platforms?
The most important fintech trends were discussed in Moscow during a closed business breakfast, “Key FinTech Trends 2026”, organized by aic.ru, a strategic partner and developer of portals for the Central Bank of the Russian Federation, Gosuslugi, and the Presidential Website.
One of the most pressing issues raised at the event was: “Is it time for banks to transform into AI platforms to stay in the market?”
Anna Timoshina, Head of Research, and Grigory Dyukarev, AI Consultant at aic.ru took part in the event. Among the fintech trends reviewed by Anna Timoshina in the context of practical solutions for integrating AI, superapps, and new UX into market participants' products were the following: • Simplifying interactions and BNPL: bioacquiring, superapps, and “buy now, pay later” payments—how they change the user experience and increase conversion • Minimalistic design: why simplicity is the new trend in fintech. How a clean interface and intuitive navigation increase engagement • Gamification and memes: creating a comfortable environment through game mechanics and humor. Why memes work better than formal advertising • AI advisors and training: how artificial intelligence helps personalize financial advice and improve customer literacy • Islamic banking: niche products for audiences with specific needs. How to take into account cultural and religious nuances in fintech. According to Grigory Dyukarev, we will reach “one-button” super apps like ChatGPT sooner or later. At the same time, digital platforms will continue to move toward ecosystems. As examples, he cited services like Cleo, where AI is the sole interface, and Albert, which, according to the expert, demonstrates predictive power in personal finance. The experts also addressed the following issues: 1. Customer communication: How to implement AI chats and gamification without detriment to trust 2. Customer Journey Map (CJM): How to find the right spot in your product 3. Where trend implementation will be most effective 4. Product development: How to estimate costs, timelines, and prioritize AI or superapp implementation The speakers paid special attention to the ethical issues of using AI in finance and the associated risks, including the potential manipulation of users' financial behavior by AI platforms.