Forbes:

A recent Forbes report highlights three key trends that emerged from the Money2020 conference, indicating significant transformations within the fintech sector. First, artificial intelligence is poised to revolutionize financial services. Beyond a mere tool for existing products, AI is being developed as a distinct customer class. Companies like Anthropic are pushing the boundaries of model capabilities, while ventures such as Catena Labs are developing financial operating systems to facilitate AI agent transactions. Second, stablecoins are evolving from a niche interest into a viable global settlement layer for internet transactions. Industry experts, including Circle co-founder Sean Neville, emphasized the increasing adoption of stablecoins in payroll and cross-border remittances. The industry's focus is now shifting towards achieving interoperability to simplify the user experience. Finally, the convergence of regulation and technology is fostering "programmable trust." This involves integrating compliance directly into code, enabling fintech companies to offer banks innovative "Systems of Action" that seamlessly integrate with their current systems of record. These developments suggest that the fintech industry's next phase will center on fundamentally reimagining core financial products.