Fintechs to embrace consolidation, compliance, and seamless experiences in 2026

Infobip forecasts a shift towards integrated, AI-driven communications in fintech

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LONDON, 27 November 2025 – Leading global communications platform Infobip expects that UK fintech companies will focus on consolidation, compliance and embedded experiences in 2026, driving a new wave of innovation in financial services communications.


While many sectors are expanding their communication channels – (including WhatsApp and Rich Communications Services (RCS)- fintech is strategically consolidating experiences within apps and platforms. We anticipate 2026 will bring innovations centred on embedded payments, seamless authentication, and AI that enhances user experience while adhering to stricter regulatory standards.”

Danira Senjak

UK BFSI specialist at Infobip

Infobip’s 2026 fintech forecast highlights three key trends:

  1. Embedded experiences: Fintech companies will increasingly integrate services such as promotional messaging and payments directly into their platforms, creating frictionless financial transactions and smoother user journeys.
  2. Compliance-focused AI: AI will drive personalisation while fully aligning with privacy regulations and user control, ensuring innovation does not come at the expense of trust.
  3. Data sovereignty: Increased scrutiny on data residency and AI compliance will push fintech companies to prioritise transparency, security, and governance in all technology decisions.


The fintech sector will be less experimental but no less innovative than retail, for example. Successful organisations will create experiences that are both tailored and trustworthy.

Fintech firms, and neobanks in particular, hold valuable data that, if leveraged effectively, can significantly enhance customer engagement. By turning this data into actionable insights, they can personalise engagement, automate processes, and predict customer needs through AI.”

Danira Senjak

UK BFSI specialist at Infobip

Looking at the broader financial services landscape, Infobip forecasts that by the end of 2026, 83% of banks will adopt AI for customer support. However, 71% will still rely heavily on human agents for complex inquiries, underscoring the importance of balancing technology with the human touch in delivering customer experiences.(1)

1 Stats from the Infobip Conversational CX Maturity Report: https://www.infobip.com/conversational-cx-maturity-report/banking

About Infobip

Infobip is a global cloud communications platform that enables businesses to build connected experiences across all stages of the customer journey. Accessed through a single platform, Infobip’s omnichannel engagement, identity, user authentication and contact centre solutions help businesses and partners overcome the complexity of consumer communications to grow business and increase loyalty. It offers natively built technology with the capacity to reach over seven billion mobile devices and ‘things’ in 6 continents connected to over 9,700+ connections of which 800+ are direct operator connections. Infobip was established in 2006 and is led by its co-founders, CEO Silvio Kutić and Izabel Jelenić.

Recent award wins include:

  • Infobip ranked as the number one Established Leader in the Juniper Research Mobile Messaging Fraud Prevention Market report (Sept 2025)
  • Infobip named a Leader in the Gartner® Magic Quadrant™ for Communications Platform as a Service (CPaaS) for the third consecutive year. In 2025, positioned furthest in Completeness of Vision (July 2025)
  • Infobip named among Top 75 in Fortune’s Europe’s Most Innovative Companies 2025, placing it in the top 25% of all listed organizations (June 2025)
  • Infobip ranked as a Leader in the Omdia CPaaS Universe Report for the third time (April 2025)
  • Infobip ranked an Established Leader in the Juniper Research Conversational AI Leaderboard (Feb 2025)
  • Infobip named a CPaaS Leader for the third time in the IDC MarketScape (Feb 2025)
  • Infobip named one of the top CPaaS providers in Metrigy’s CPaaS MetriRank Report (Dec 2024)
  • Infobip named number one among Established Leaders in RCS Business Messaging in Juniper Research’s RCS Business Messaging Competitor Leaderboard 2024 (Nov 2024)
  • Infobip recognized as the number one provider in the AIT Fraud Prevention market by Juniper Research (Oct 2024)
  • Infobip named to Fast Company’s Annual List of the World’s Most Innovative Companies (March 2024)