As the sun sets on the Fontainebleau Miami Beach, the 12th edition of Fintech Americas has officially drawn to a close. Operating as a powerhouse member of the Money20/20 family, the three-day event (March 24–26) served as a hemispheric crossroads for over 1,800 leaders, 200 speakers, and 100 innovators dedicated to redefining the financial landscape across North and Latin America.
The 2026 conference centered on a provocative and timely theme: “The 4th Dimension: AI with a Soul”. As the financial sector races toward widespread automation, the agenda focused heavily on moving beyond the “black box” of algorithms to ensure responsible implementation.
The core message across the event was clear: while financial institutions must leverage the raw power of AI, they must simultaneously preserve the human connection essential for fostering trust and driving financial inclusion.
A hemispheric hub for innovation
Jessica Blue, executive vice president at Money20/20 USA, emphasized Miami’s unique and strategic importance in bridging regional divides.
“Fintech Americas 2026 represents a pivotal moment for financial innovation. We’re bringing together the brightest minds to explore how AI can be implemented with purpose and humanity,” Blue stated. “Miami serves as the perfect hub to connect innovators from North, Central, and South America.”
Strategic insights from industry heavyweights
The speaker lineup featured a roster of prominent regional heavyweights, including Glauber Mota, CEO of Revolut, who detailed the challenger bank’s aggressive expansion strategies across Latin America.
For C-suite attendees, the exclusive LeaderTrack program provided a sanctuary for deep dives into the friction between rapid digital adoption and the escalating threats of cybersecurity and fraud in an AI-driven world. High-level perspectives were shared by leaders including:
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Sean Ringsted, chief digital business officer at Chubb
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Elena Paredes Manrique, chief data and analytics officer at Pacífico Seguros
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Hilario Itriago, president of LatAm at BOXX Insurance
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Juan Mazzini, director at Celent
Specialised tracks for a converging market
To directly address the diverse needs of delegates representing over 25 countries, the event was segmented into several high-impact forums:
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Banks & Neobanks Conference: Providing a comprehensive roadmap for both traditional incumbents and digital-first challengers.
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Insurance Innovation Summit: Exploring how insurtech is fundamentally reshaping risk management and the customer experience.
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Payments & Blockchain Forum: A deep dive into the future of cross-border transactions and decentralized finance (DeFi).
The defining conversation of the decade
Since joining the Money20/20 ecosystem—which spans major hubs like Las Vegas, Amsterdam, Bangkok, and Riyadh—Fintech Americas has seen its global profile surge. The Miami event has successfully bridged the gap between North American capital and Latin American ingenuity.
Ray Ruga, co-Founder and CEO of Fintech Americas, noted that “AI with a Soul” is not merely a catchy slogan for 2026, but the defining conversation for the coming decade. As financial inclusion remains a top priority for underserved markets, the responsible deployment of AI may be the key to finally closing the gap.
As the global fintech circuit now looks toward upcoming events in Bangkok (April 21–23) and Amsterdam (June 2–4), the 1,800 departing delegates leave Miami with a clear takeaway: the future of finance isn’t just digital—it’s soulful.
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