Global fintech funding rebounded to 116 billion USD in 2026. This marks a recovery from 95.5 billion USD in 2024. Deal volumes still fell to their lowest since 2017. AI-focused fintechs secured 21.4 billion USD in the first half of 2026. European firms now face pressure to prove profitability. Modern payments infrastructure is shifting from readiness to return. 43% of firms are accelerating core payment strategy investments. 77% are running or moving toward unified payments platforms. 25% of executives predict full cloud adoption within five years. 47% of UK banks expect AI-initiated payment fraud to grow. Customer attrition and brand trust erosion now outrank direct financial losses. 41% of banks see fraud controls as a competitive edge. Rigid data silos still block real-time telemetry. The sector now prioritizes transaction unit economics and infrastructure resilience.

• 116 billion USD global fintech funding in 2026
• 95.5 billion USD in 2024
• 103.1 billion USD fintech investment in H1 2026
• 2,100 deals in H1 2026