---
title: Fintech’s next phase will be orchestrated, not adopted
description: Digital wallets, tokenized deposits and AI agents are converging to transform financial infrastructure, pushing fintech into a new phase where programmable money and orchestration define competitive advantage.
---

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# [Fintech’s next phase will be orchestrated, not adopted](https://www.entersekt.com/resources/fintechs-next-phase-will-be-orchestrated-not-adopted)

 Written by [Jonathan Mervis](https://www.entersekt.com/resources/author/jonathan-mervis) | Mar 4, 2026 10:15:00 AM

Digital wallets, tokenized deposits and AI agents are converging to transform financial infrastructure, pushing fintech into a new phase where programmable money and orchestration define competitive advantage.

[View full post](https://www.entersekt.com/resources/fintechs-next-phase-will-be-orchestrated-not-adopted)

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