Rewiring the Global Economy: The Rise of the Finternet
April 2026
A new system for value is emerging, and it will reshape how every organisation, market and institution operates.
A Quiet Revolution, Now at Scale
Over the past decade, nations have been laying the foundations for what may become the most significant shift in economic infrastructure since the advent of the internet.
This transformation is built on Digital Public Infrastructure (DPI). Systems that enable secure digital identity, data exchange and payments at population scale. What was once experimental is now operational across multiple jurisdictions.
In India, more than 1.43 billion people hold a digital identity, enabling billions of eKYC transactions and daily payment flows at extraordinary volumes. Brazil has reshaped its financial ecosystem through instant payments and open finance frameworks, while the European Union continues to advance digital identity, open banking and wallet initiatives.
Across Singapore, Thailand, Indonesia, Nigeria and parts of Africa, similar systems are being deployed, often at speed and scale that outpaces traditional markets.
This is not digitisation in the conventional sense. It is the industrialisation of trust.
Steven is the Founder, Director & Principal, of Jonovski Consulting.Steven has a wide range of Financial Services and related industry experience in delivering global solutions for Customers in Australia, New Zealand, Asia, Europe and America.Prior to Jonovski Consulting, Steven held positions at Multinational Companies and worked with all levels of Management and supporting Teams.
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