The Future of Fintech: Transforming Digital Payments through Artificial Intelligence and Embedded Finance

Author(s)	Dr. Christy Cresida T, Ms. Anunetra S, Mr. Jaganathan B S
Country	India
Abstract	The financial landscape is undergoing a monumental shift from traditional banking models to an integrated, "intelligence-first" fintech ecosystem. This paper examines the convergence of real-time payment infrastructures, Artificial Intelligence, and embedded finance. We analyze the transition of digital payments from a simple transaction tool to a core business driver that optimizes liquidity, reduces fraud, and enhances financial inclusion. The study investigates key 2026 trends, including Agentic Commerce (AI agents managing transactions), the mainstreaming of Central Bank Digital Currencies (CBDCs), and the global expansion of real-time rails like India’s UPI. By evaluating the impact of these technologies on consumer behavior and regulatory frameworks, this paper provides a comprehensive roadmap for understanding the future of the global digital economy. The findings highlight that the winners in this era are not those who simply adopt technology, but those who leverage transaction data to build trust and personalized financial journeys.
Keywords	Fintech, Digital payments
Published In	Volume 8, Issue 4, July-August 2026
Published On	2026-08-05
DOI	https://doi.org/10.36948/ijfmr.2026.v08i04.85086

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