- Bharat Fintech Summit 2026
Agenda Framework
2026
- 10-11th Feb, 2026
- JW Marriott, Sahar, Mumbai
Masterclass
1
UPI Stack Demystified: From Intent to Settlement
- End-to-end transaction lifecycle (UPI 2.0, Lite, Lite X, Credit Line)
- Role of TPAPs, PSPs, NPCI mapper, settlement timelines
- UPI AutoPay, eMandate & future of UPI 123Pay
2
Evolution of PA-P (POS) Ecosystem in India
- Regulatory frameworks for PA - P
- Business Models
- Distribution Approaches
- Evolution of Devices - POS to SoftPOS to Soundboxes to QR
Payments
1
Rails to Retail: How Payment Aggregators Are Winning India’s Offline Game
- Evolving from online-first gateways to omni-channel PA-P platforms with QR, SoftPOS & soundbox integrations
- Acquiring merchants through various distribution approaches
- Monetization strategies beyond MDR
- Regulatory shift: RBI’s PA-P compliance expectations on grievance redressal, settlement timelines & escrow management.
2
Understanding the framework evolution of UPI 1.0 to 3.0
- Evolution of UPI framework 1.0, 2.0 and 3.0
- Impact on businesses and users
- Deep dive into UPI variants : UPI Autopay, UPI circle,UPI global,Credit line and credit card on UPI, etc
3
Modernizing Cross-Border Payments: From Slow and Fragmented to Instant and Programmable
- Reducing cost, time & opacity in FX corridors
- Technology in Use:SWIFT GPI, Ripplenet, UPI +Paynow etc
- Risk mitigating measure being followed in Cross border payments
- Future outlook of Cross border payments
4
Unlocking B2B Payments Landscape: From Complexity to Opportunity
- Mapping India’s digital B2B transactions landscape
- Essential factors fuelling India’s B2B payment adoption
- Role of Public Infrastructure in driving the growth of B2B payments
- Beyond basics payment use cases and innovative add-ons
5
Securing Real-Time India: Cybersecurity, DPDPA & Risk Management in the Payments Age
- From static rules to adaptive AI: Graph-based risk scoring, anomaly detection & fraud intelligence networks
- DPDP Act in action: Consent handling, breach reporting & data minimization for TPAPs, banks, and PAs
- Tokenization, biometric fallback, and silent OTPs: Securing multi-factor payments across devices
- Operational resilience: Building zero-trust API ecosystems & dispute resolution SLAs
- Cross-border friction: Data residency, encryption, and compliance under conflicting privacy regimes
6
Programmable Payments: Smart Contracts, CBDC Wallets & the Future of Financial Logic
- From static push to smart-triggered pay
- CBDC wallets as logic engines
- Smart contracts in real-world finance
7
Swipe, Tap, Scan or Link? Decoding Consumer Payment Choice in the ‘Anything-Pay’ Era
- Understanding behavioral triggers: When users choose QR vs Tap vs Link-based payments
- Tokenized credentials and contactless momentum: Wearables, phone biometrics & NFC infrastructure
- SoftPOS & feature-phone interfaces for inclusive Tap & Pay
- Merchant-side economics & device UX: Cost, reconciliation, incentive loops
- Future of context-aware checkout: AI-driven recommendations at point-of-sale
8
Interoperability by Design: Why the World Needs a Global Digital Infrastructure
- Connecting digital islands into one seamless financial network.
- Building APIs of trust that unify identity, payments, and data consent.
- Designing systems that are inclusive by default and open by architecture.
- Evolving from DPI to DPI+ collaboration beyond borders.
9
Trust in the Age of Deepfakes: Fighting Fraud in an Era of Fabrication
- Deepfake fraud, identity spoofing, and their threat to digital finance
- Deploying biometric, blockchain, and zero-trust verification models
- How financial institutions can lead the authenticity economy
- Making truth the ultimate differentiator in financial services
Lending
1
The Financial OS of the Future: Modular, Open, and Intelligent
- From monolithic cores to API-first, composable financial architectures
- Embedding AI into every layer - from risk to customer experience
- Open banking evolving into open everything
- Building self-updating, interoperable systems for borderless finance
2
BFSI 2035: Designing India’s Intelligent Financial Grid
- Linking data, policy, and infrastructure into one smart financial network
- Predictive policymaking through AI-enabled governance models
- DPI 2.0 - India’s next evolution in digital finance rails
- India’s blueprint for intelligent inclusion and global fintech influence
3
Embedded Supply Chain Finance: Powering India’s Growth Through Frictionless MSME Credit
- Unlocking low-cost, real-time credit for MSMEs through data-driven supply chains.
- Turning invoices, payments, and trade data into instant liquidity.
- Building connected ecosystems where anchors, suppliers, distributors and lenders fuel inclusive growth.
- Creating cheaper, faster, and more secure access to working capital for Bharat’s businesses.
4
Co-Lending Rewired: Life After CLM2 - The Next Normal in Partnership Lending
- CLM 2 sunset and its ripple effect on digital co-lending operations.
- Securitization’s comeback - how lenders are balancing off-book growth and compliance.
- FLDG structuring in the new regime - clarity, creativity, and capital efficiency.
- The rise of intelligent co-lending platforms: automating reconciliation, risk-sharing, and real-time monitoring.
5
Collections as a Competitive Advantage: Intelligent, Humane & AI-Powered
- Building data-driven, trust-first frameworks where repayment feels safe and transparent.
- Using AI copilots and predictive models to detect delinquency early and personalize outreach.
- Humanizing automation through empathetic voice, tone, and journey design that protects brand equity.
- Turning collections from a cost center into a strategic growth lever that lowers NPAs and raises customer loyalty.
6
AI-First Underwriting: What’s Possible, What’s Next & What’s Off-Limits
- Implementing real-world AI use cases - adaptive risk scoring, income simulation, and behavioral underwriting.
- Expanding intelligence with new data streams - GST, UPI, account aggregator, and alternative digital footprints.
- Defining the ethical boundaries - explainability, bias control, and responsible automation in credit models.
- The future of underwriting - where AI learns continuously but humans define fairness, context, and accountability.
7
Next-Gen Home Finance: Driving Prime & Affordable Lending with Intelligence and Design
- Leveraging data intelligence and automation to optimize products across prime and affordable segments.
- Using AI-driven pricing, underwriting, and experience design to expand reach and profitability.
- Building collaborative ecosystems between banks, HFCs, PropTechs, and fintechs to scale efficiently.
- Delivering faster approvals, lower costs, and inclusive access through design-led digital journeys.
8
The MSME Lending Playbook 2030: Where’s the Business & How to Win It
- Identifying high-growth MSME clusters - manufacturing, logistics, agri, retail, and services driving the next credit boom.
- Using data, AI, and open networks (OCEN, AA, UPI) to unlock visibility and credit access at scale.
- Building low-cost, high-yield portfolios through embedded, anchor-led, and co-lending models.
- Winning the MSME market with speed, intelligence, and scalable risk frameworks that balance growth and control.
Insurance
1
HealthTech + InsurTech Convergence
- Preventive health programs bundled with insurance for chronic disease management
- Integration with telemedicine, e-pharmacy, and wearable device ecosystems
- AI-driven personalized health and wellness packages
- Claims automation using hospital EHR and health data APIs
2
SME & Gig Worker Insurance Innovations
- Flexible, on-demand coverage for gig and platform workers
- Group insurance models for SMEs via B2B2C platforms
- Embedded risk coverage in SaaS and ERP tools used by small businesses
- Income protection and business interruption insurance for MSMEs
3
Agentic AI in Insurance
- Autonomous underwriting and claims agents working without human intervention
- AI copilots for brokers and agents to offer instant personalized quotes
- AI-powered policy comparison, recommendation, and risk prediction for customers
Agentic AI
1
Agentic AI in BFSI: From Automation to Autonomy
- Moving from task-based bots to fully autonomous AI agents in financial workflows
- Deploying AI copilots for underwriting, collections, onboarding, and customer support
- Redefining roles: Human-in-the-loop systems for oversight, ethics, and explainability
- Enhancing productivity by automating complex workflows and decision-making
- Risks and readiness: Managing hallucinations, biases, and AI governance frameworks
2
AI Unleashed: From Assistants to Autonomous Financial Agents
- Moving beyond chatbots to self-learning, decision-making AI agents.
- How AI will autonomously handle loans, collections, compliance, and fraud monitoring.
- Navigating AI liability and explainability in regulated BFSI.
- Scaling AI with federated learning and privacy-first architectures.
3
AI, Autonomy & the New Age of Intelligence
- Beyond Agentic AI: The Rise of Self-Learning Financial Ecosystems
- From Predictive to Prescriptive: Decisioning Engines in BFSI Leadership
- The CEO’s AI Mandate: Scaling Intelligence, Not Just Automation
4
Rise of the Adaptive Bank: Human Insight, Machine Precision
- Moving from AI copilots to autonomous decision engines in lending, risk, and compliance
- Designing governance frameworks for self-learning financial systems
- Balancing speed, safety, and human accountability in algorithmic banking
- Redefining leadership when intelligence becomes infrastructure
DPDPA & Compliance
DPDPA &
Compliance
1
Privacy-First Finance: Navigating the Post-DPDP Landscape
- DPDP-compliant product design: Privacy by design in KYC, onboarding, and lending
- Deploying consent managers and personal data vaults in BFSI ecosystems
- Leveraging Privacy-Enhancing Technologies (PETs) like FHE and zero-knowledge proofs
- Creating role-based, purpose-limited data sharing systems for partner collaboration
- Balancing compliance and CX in the age of consent-driven digital services