2026 Finance benchmarks: The data and trends shaping digital finance this year

Fintech has reached a critical point where its success is increasingly measured by performance metrics rather than growth narratives, as highlighted in the 2026 State of Digital Analytics report. This shift reflects the industry's focus on behavioral patterns over raw volume, with emerging regions like LATAM and EMEA showing significant growth in banking, insurance, and alternative financing. Wealth management's event growth alongside declining device use suggests a concentration among high-value users, while alternative financing's device surge indicates aggressive expansion. Regional acceleration in fintech is driven by infrastructure and access gaps, with LATAM emerging as a key growth engine due to mobile-first financial flows that cater to underbanked populations. Engagement metrics reveal that fintech products are becoming essential tools in some regions, with high stickiness rates in wealth management and alternative financing, particularly in LATAM, where mobile advisory tools empower new investors. Retention rates show variations, with some regions experiencing cooling periods due to changing regulations and market saturation. Ultimately, the report emphasizes the importance of aligning fintech products with regional needs and maturity levels, focusing on delivering immediate financial utility and ensuring long-term engagement through meaningful, recurring value.

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