SmartinfoLogiks, an innovation-led enterprise technology company, participated in Global Fintech Fest (GFF) 2026, held in Mumbai from 8-11 September 2026.
The seventh edition brought together financial institutions, regulators, policymakers, technology companies, startups, investors, and fintech leaders under the theme Potential to Impact: Agentic AI | Tokenisation | Quantum.
What stood out at GFF 2026 was the shift from discussing emerging technologies as future possibilities to demonstrating how AI, digital payments, tokenisation, and financial infrastructure are already moving into real-world applications - from intelligent UPI services and agentic AI platforms to tokenised securities.
For SmartinfoLogiks, CEO Ms. Kshyana Prava (Mita) and CTO Mr. Bismay Mohapatra engaged with the fintech ecosystem and explored how these developments are shaping the future of financial services, enterprise technology, and digital infrastructure.
Key Developments from Global Fintech Fest 2026
1. NPCI Takes Agentic AI into Fintech Infrastructure
One of the most significant developments at GFF 2026 was NPCI's expansion beyond payments infrastructure into Agentic AI and intelligent orchestration.
NPCI introduced two open-source platforms:
- AiNxt: an agentic AI platform designed to help organisations build, test, and deploy AI applications and agents across different use cases.
- AtOM (Agentic Orchestration & Messaging): an AI-driven platform designed to manage complex UPI ecosystem workflows, including partner onboarding, implementation, testing, and certification.
The significance goes beyond another AI assistant. AI is moving closer to the infrastructure and operational workflows behind financial services. AtOM's focus on orchestrated and auditable workflows also highlights the importance of governance and traceability as AI becomes more autonomous.
2. UPI Becomes More Intelligent and Context-Aware
GFF 2026 also showcased new capabilities aimed at making everyday digital payments more intelligent, contextual, and convenient.
MyUPI, powered by NPCI's FiMI small language model, brings AI into UPI Help with capabilities around transaction visibility, AutoPay mandates, safety controls, payee context, and dispute management.
UPI Tap & Pay introduces NFC-based contactless UPI payments, allowing users to make payments at compatible POS terminals by tapping an NFC-enabled smartphone.
Together, these developments show how AI and new interaction models are becoming part of the payment experience itself, rather than remaining behind the scenes.
3. Banking Infrastructure Moves Beyond the Traditional ATM
NPCI also showcased open-source Android ATMs designed to extend banking beyond conventional cash withdrawal.
The new-generation machines can support services such as:
- Instant RuPay card issuance
- Merchant UPI QR issuance
- Digital banking services
- UPI-enabled cash withdrawal
Alongside this, Credit Line on UPI was expanded to schemes including Kisan Credit Card and PM MUDRA, while an AePS Three-Party Cash Deposit capability was introduced to support easier cash deposits through participating touchpoints.
These initiatives demonstrate how fintech innovation is increasingly being used to extend access, credit, and banking services beyond traditional branches.
4. Tokenisation Moves Toward Real Financial Infrastructure
Another major development was Demat 2.0, a joint RBI-SEBI pilot exploring the tokenisation of corporate bonds using Distributed Ledger Technology (DLT) and wholesale CBDC-based settlement.
The pilot is designed to test the issuance, holding, trading, and settlement of tokenised securities, with the potential to enable more efficient and programmable financial-market processes.
This marks an important transition for tokenisation: from a technology concept toward experimentation within regulated financial-market infrastructure.
5. From Digital Public Infrastructure to Intelligent Finance
Underlying many of these developments is India's broader Digital Public Infrastructure (DPI) story.
The evolution from Aadhaar and UPI to Account Aggregator, digital currency, tokenisation, and AI-enabled financial services demonstrates how shared digital infrastructure can create new layers of financial innovation.
GFF 2026 therefore highlighted a broader transition:
Digital Infrastructure ? Connected Systems ? Intelligent Workflows ? Autonomous Action
For financial institutions, this means that AI cannot remain isolated from the systems where customer data, business rules, transactions, documents, and workflows reside.
What These Developments Mean for Digital Lending
The developments at GFF 2026 are particularly relevant to digital lending, where financial institutions increasingly need to connect origination, customer data, documentation, credit decisions, collections, analytics, and customer engagement.
The direction is moving beyond isolated automation toward connected financial workflows where intelligence can support decisions, improve operational visibility, and help institutions respond faster.
This is also where SmartinfoLogiks' award-winning FinSILK aligns with the industry's evolution.
FinSILK: Award-Winning Digital Lending for the Evolving Fintech Landscape
FinSILK, SmartinfoLogiks award-winning digital lending platform, brings this approach into financial services through integrated loan origination, collections, analytics and intelligent workflows. The platform is part of the fintech technology portfolio behind SmartinfoLogiks recognition as the Best AI-Driven FinTech Solution Provider of the Year. The recognition reflects the evolution of FinSILK as an AI-integrated digital lending ecosystem designed for NBFCs, MFIs, and fintech organisations.
FinSILK brings together capabilities across the lending lifecycle, including:
- Digital Loan Origination for streamlined application and approval workflows
- Digital Collections for smarter recovery management and operational visibility
- Fintech Analytics for data-driven financial and operational insights
- AI-integrated workflows supporting automation and intelligent operations
The recognition is particularly relevant in the context of GFF 2026: as financial technology moves toward intelligent, connected, and increasingly automated ecosystems, lending platforms need to evolve beyond individual point solutions and support the complete financial workflow.
SmartinfoLogiks: Building for the Next Phase of Fintech
Global Fintech Fest 2026 demonstrated that fintech is moving beyond digitising transactions.
Agentic AI is entering operational infrastructure. UPI is becoming more intelligent. Tokenisation is entering regulated markets. And digital banking is expanding beyond traditional channels.
For SmartinfoLogiks, these developments reinforce the importance of building technology that connects financial workflows, enterprise systems, data, automation, and intelligence.
With FinSILK's recognition as an award-winning AI-driven fintech solution, SmartinfoLogiks continues to apply this direction to the real-world challenges faced by financial institutions, NBFCs, MFIs, and fintech organisations.
Potential to Impact is ultimately about moving emerging technology beyond experimentation and into the systems, workflows, and decisions where real business impact can happen.
