Emerging Technologies in Finance: The Imperatives of Purpose, Prudence, and Policy - Keynote Address by Shri Rohit Jain, Deputy Governor, Reserve Bank of India at the Global Fintech Fest, 2026 in Mumbai on September 9, 2026 -

Distinguished guests, colleagues from across the fintech ecosystem, representatives of regulatory and international bodies, ladies and gentlemen. It gives me great pleasure to be here at the Global Fintech Festival. 2. This Festival has, over the years, become a fertile ground for ideas at the intersection of finance and technology. It brings together those who build, those who use, and those who shape the frameworks in which innovation takes place. That makes it an especially appropriate forum to reflect not only on where technology is taking finance, but also on the choices we make along the way. 3. Every major technological wave has expanded the range of what human beings can do . Steam power helped spark the Industrial Revolution by replacing much manual and animal labour with machines. Electricity brought instant lighting, cooling and a host of conveniences that transformed homes, workplaces, and factories. Computers greatly expanded our ability to calculate, process and store information. The internet then connected people, businesses, and markets across distances almost instantaneously. Each of these technologies changed not only how we lived and worked, but also how economi

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