AI Governance, Not AI Spending, Will Shape FinTech’s Future

AI Governance Will Define FinTech’s Competitive Edge

FinTech Profile featured Vikas Krishan, Head of UK & EMEA and Chief Digital Business Officer at Altimetrik, in its article “2026 FinTech Predictions: Insights from Vikas Krishan of Altimetrik.”

In the interview, Vikas explains that 2026 will mark a decisive shift in financial services from viewing AI as a cost-cutting tool to embracing it as a strategic growth catalyst. He highlights that while banks are investing billions in AI infrastructure, true competitive advantage will come from robust governance frameworks, aligned strategy, and clear oversight.

Vikas underscores that smaller, specialised language models and multimodal AI will drive practical impact, but governance and data foundations must come first. The institutions that win, he notes, will not be those with the largest AI budgets, but those that align AI to business outcomes and embed compliance and ethics into design from the outset.