Generative Artificial Intelligence in Fintech Market Report 2026

The generative artificial intelligence in fintech market size has grown exponentially in recent years. It will grow from $2.17 billion in 2025 to $2.94 billion in 2026 at a compound annual growth rate (CAGR) of 35.3%. The growth in the historic period can be attributed to increasing digitization of financial services, rising availability of large financial datasets, growth of fintech startups, expansion of cloud computing adoption, increasing regulatory complexity in financial services.

The generative artificial intelligence in fintech market size is expected to see exponential growth in the next few years. It will grow to $9.76 billion in 2030 at a compound annual growth rate (CAGR) of 35%. The growth in the forecast period can be attributed to increasing investments in ai-native fintech platforms, rising demand for real-time financial insights, expansion of ai-driven automation across banking operations, growing focus on hyper-personalized financial products, increasing integration of generative ai with core banking systems. Major trends in the forecast period include increasing adoption of generative ai for fraud detection, rising use of ai-driven personalized financial advisory, expansion of predictive analytics in risk management, growing integration of ai in compliance automation, enhanced deployment of ai-powered customer assistants.

The growing adoption of digital banking is expected to drive the expansion of generative artificial intelligence (AI) in the fintech market. Digital banking involves leveraging digital technologies to provide and manage banking services via online platforms and mobile applications. The rise in digital banking is fueled by the convenience it offers, widespread smartphone adoption, advancements in financial technology, and the demand for secure and efficient financial transaction management. Generative AI supports digital banking by automating complex operations, personalizing customer interactions, and enhancing decision-making processes, allowing financial institutions to optimize operations, manage risks, and deliver more efficient, tailored banking experiences. For example, in April 2024, UK Finance Limited reported that digital-only bank accounts in the UK grew from 24% in 2023 to 36% in 2024. Consequently, the shift toward digital banking is propelling growth in the generative AI fintech market.

Key market players are developing sophisticated AI solutions to improve operational efficiency and investment decision-making. Generative AI bond assistants, for instance, help streamline bond trading by providing real-time analytics, supporting liquidity discovery, and assisting in bond selection based on specific criteria. In June 2023, LTX by Broadridge launched BondGPT, a generative AI application built on OpenAI’s GPT-4, designed to enhance trading efficiency in the U.S. corporate bond market. BondGPT offers a conversational interface for bond-related queries, integrates real-time liquidity data from LTX’s Liquidity Cloud, and uses advanced bond similarity algorithms to match bonds with user-defined parameters, simplifying portfolio construction and pricing decisions for asset managers, hedge funds, and dealers.

In January 2025, Advisor360 LLC, a U.S.-based fintech company, acquired Parrot AI to enhance its platform with generative AI-powered transcription, summarization, and workflow automation. Parrot AI specializes in AI-driven software that automates tasks across advisory and financial workflows, improving advisor productivity and integrating advanced AI meeting intelligence into wealth management tools.

Major companies operating in the generative artificial intelligence in fintech market are Google LLC, Microsoft Corporation, Amazon Web Services Inc., IBM, Morgan Stanley, Capgemini Services SAS, Mastercard International Inc., Infosys Ltd., Temenos AG, Upstart Network Inc., Darktrace Holdings Limited, C3.ai Inc., DataRobot Inc., Kore.ai Inc., AlphaSense Inc., H2O.ai Inc., Zest AI Inc., Kasisto Inc., CLARA Analytics Inc., Salesforce Inc.

North America was the largest region in the generative artificial intelligence (AI) in the fintech market in 2025. Asia-Pacific is expected to be the fastest-growing region in the forecast period. The regions covered in the generative artificial intelligence in fintech market report are Asia-Pacific, South East Asia, Western Europe, Eastern Europe, North America, South America, Middle East, Africa. The countries covered in the generative artificial intelligence in fintech market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Taiwan, Russia, South Korea, UK, USA, Canada, Italy, Spain.

The generative artificial intelligence (AI) in the fintech market consists of revenues earned by entities by providing services such as automated trading algorithms, personalized financial advisory, and risk management solutions. The market value includes the value of related goods sold by the service provider or included within the service offering. The generative artificial intelligence in the fintech market also includes sales of graphics processing units, tensor processing units, network infrastructure, and edge computing devices. Values in this market are ‘factory gate’ values, that is, the value of goods sold by the manufacturers or creators of the goods, whether to other entities (including downstream manufacturers, wholesalers, distributors, and retailers) or directly to end customers. The value of goods in this market includes related services sold by the creators of the goods.

The market value is defined as the revenues that enterprises gain from the sale of goods and/or services within the specified market and geography through sales, grants, or donations in terms of the currency (in USD unless otherwise specified).

The revenues for a specified geography are consumption values that are revenues generated by organizations in the specified geography within the market, irrespective of where they are produced. It does not include revenues from resales along the supply chain, either further along the supply chain or as part of other products.

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