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North America sits at the centre of global fintech markets. It is home to established financial institutions, technology companies and a ecosystem of start-ups and scale-ups. As digital payments, artificial intelligence (AI), open banking, digital assets and finance reshape financial services, regulators across the region are seeking to balance innovation and competition with financial stability and market integrity.

Key challenges face fintech companies operating across North America. Unlike some jurisdictions, the region does not operate under a single regulatory framework. In the US, regulation is shared between federal and state bodies, while Canada combines federal and provincial oversight. Mexico, meanwhile, has established a fintech regime governing areas such as crowdfunding and institutions.

In 2026 and beyond, regulatory scrutiny is expected to intensify, with sharper focus on assets, AI, payments, data governance, cyber security and financial crime. In the US, Executive Order 14405 signals a policy shift toward reducing regulatory barriers and fostering integration between fintech firms and the financial system.

Against this backdrop, Financier Worldwide turns to some of the leading lights in their field, who share their stories…

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