Fintech Trends: Unwrapping 2025 and predicting 2026

Dec 4, 2025

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🚀 What's the countdown after Thanksgiving? The new year!

🎙️ Our latest One Vision episode tackles what's ahead for the banking industry in 2026. Theo is joined by Pam Kaur, Tiffani Montez, and Julie Muhn where they dive deep into the unpredictable world of 2025 and discuss the trends shaping the future of fintech, AI, payments, and consumer finance. Don’t miss the bold predictions and thought-provoking discussions on agentic commerce, open banking, data sharing, and more!

00:00 Introduction and Guest Welcome

01:04 Reflecting on 2025: Unpredictable Events

02:11 Economic Challenges and Consumer Finance

02:47 Market Trends

08:19 The Rise of Agentic Commerce

10:49 Ethics and Security in an AI Era

14:14 Future of Banking and Payments

28:31 1033 and Data Sharing

32:23 Crystal Ball Predictions for 2026

📍 Hot take: “If you have generative AI tools that are controlling the product discovery and recommendation, you lose all the data associated with that. I think there's definitely not a lot of dialogue about what gen AI means for banking in terms of product discovery.” ~ Tiffani Montez

📍 Hot take: “Is anybody tracking how much money they have on their Starbucks card as like an asset?” ~ Pam Kaur

📍 Hot take: “So know your customer, know your business. And now we're looking at KYA, Know Your Agent … We are probably severely behind when it comes to authentication and the security and privacy of it all.” ~ Julie Muhn

#AI #Fintech #Payments #Agents #AgenticCommerce #Data

🔗 Finovate White Paper: Fintech at the Crossroads

https://get.informaconnect.com/finovate-2025-white-paper-fintech-at-the-crossroads/?web

Find Pam Kaur on LinkedIn: https://www.linkedin.com/in/pamkaur001/

Find Tiffani Montez on LinkedIn: https://www.linkedin.com/in/tiffani-montez-b794283/

Find Julie Muhn on LinkedIn: https://www.linkedin.com/in/julieschicktanz/

Find Theodora Lau on LinkedIn: https://www.linkedin.com/in/theodoralau/

🔗 Theo’s latest book: Banking on (Artificial) Intelligence: https://www.bankingonaibook.com/
🔗 About Unconventional Ventures and the One Vision Podcast: https://www.unconventionalventures.com/