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Why the next fintech stack will be built on AI, cloud, APIs and cost discipline

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At ETBFSI’s 5th Finnext Summit 2026, technology leaders from KFin Technologies, Jupiter, Groww, India Finnovation Network, CARD91, Oracle India and Volt Active Data said the next fintech stack will depend on cloud-native scale, API-led interoperability, governed data, real-time decisioning and cost-disciplined innovation.
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