The global fintech sector has moved beyond its early disruption phase and is now becoming a structural part of the financial services ecosystem. Despite that momentum, fintech still represents only about 4% of the broader $15 trillion financial services industry, signaling significant room for continued expansion. “Fintech is no longer just about faster payments or digital convenience,” said Jose Daniel Duarte Camacho. For Duarte Camacho, the next phase of fintech will be shaped by five strategic priorities:1. Financial inclusion: Expanding access to affordable financial services for individuals and small businesses historically excluded from traditional banking.