The MENA region’s fintech evolution is defined by a notable pattern – the rise of hybrid financial models, blending traditional banking with alternative payment systems such as BNPL, digital wallets, and open banking. This demonstrates a strong regional push toward personalized, flexible financial solutions that cater to both consumers and businesses. Cross-border collaboration is another dominant trend, as global partnerships drive the adoption of advanced technologies like GenAI, mPaaS, and palm-payment systems. Finally, regional players are doubling down on scalability. Investments in open banking infrastructure and the expansion of remittance services highlight the focus on addressing the needs of underserved markets while enhancing efficiency and accessibility.