The year of 2025 brought several new features to the Brazilian financial system, between technological innovations, tax reviews and regulatory changes. The forecast, although, is that these changes do not impede the technological and innovative development of the sector, but, sim, represent a new phase.
Analysts and experts point to this moment as a process of maturation of the financial system. In recent years, models like Banking as a Service, cryptoassets, Payment institutions and new players needed to adapt to a more demanding environment, selective and with higher technical parameters.
Now, the trend is towards greater convergence between infrastructure, data, AI and new models of consumption and distribution of financial services. Em 2026, Brazil will move towards consolidating itself as a global hub for financial innovation. To follow, the main trends listed for the year.
Voice will be the main interface
Voice will become the main interface for interacting with financial services, taking center stage in the user experience. Conversational interfaces go beyond traditional chatbots, combining natural language, financial context and ability to perform actions such as simulations, product hires and adjustments. Messaging platforms, especially WhatsApp, will gain even more prominence.
Financial agents with AI
Different from traditional assistants, These agents will act more autonomously and resolutely in financial journeys. Instead of replacing institutions, will function as facilitators of the experience, connecting data, user rules and preferences. This trend has already been worked on in recent years, but it will leave the experimental environment and go into production.
Financial platformization
The platformization of the financial market advances with the integration of services to the main platforms. Payments, credit, insurance and other solutions are now offered in a more integrated way. The level of sophistication will increase as financial and non-financial services combine into the same journey.
New phase of Open Finance
Considered one of the most advanced in the world, Brazilian Open Finance enters a new stage, with expansion mainly in the context of legal entities. The arrival of smart transfers and credit portability expands opportunities for consumers and new business models. The difference lies in tools that will transform the financial management of people and companies with convenience and automation.
Expansion of stablecoins
Stablecoin operations are expected to grow in 2026, focusing on integration into the traditional financial system. In a regulated environment, This movement tends to generate operational gains, with the participation of different players, local and international.
Security takes center stage
With the sophistication and increase in fraud, security will play a central role in the fintech ecosystem, focusing on preventative strategies. The trend will be detection solutions, increasingly advanced authentication and monitoring, many of them based on AI and behavior analysis. Security is no longer just a regulatory requirement and will become a competitive differentiator.
