Financial Sector Technology and Innovation Scheme (FSTI 4.0)
The Monetary Authority of Singapore (MAS) has renewed its Financial Sector Technology and Innovation Scheme as FSTI 4.0. MAS has committed S$220 million over three years to strengthen Singapore's FinTech ecosystem and accelerate financial-sector innovation and technology adoption. The scheme builds on FSTI 3.0, whose application window ended in March 2026. FSTI 4.0 is delivered through six tracks: Manpower; Institution Project; AI Pathfinder; Infrastructure & Platform; Centre of Excellence; and MAS FinTech Awards. The tracks support the development and deployment of frontier technologies, including artificial intelligence, distributed ledger technology and quantum technology, as well as sector-wide infrastructure, innovation functions and FinTech talent development.
Eligibility Criteria
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Eligibility depends on the FSTI 4.0 track selected
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The Institution Project track is for Singapore-based financial institutions and FinTech firms developing and deploying innovative solutions
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The AI Pathfinder track is for financial institutions deploying market-ready AI FinTech solutions listed on PathFin.ai
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The Centre of Excellence track is for leading global financial institutions and FinTech firms anchoring innovative functions in Singapore
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The Manpower track supports FinTech firms creating internship opportunities for students from Institutes of Higher Learning
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Infrastructure & Platform projects must improve efficiency, productivity or innovation across the financial sector
How to Apply
1. Identify the FSTI 4.0 track that fits the proposed project or internship opportunity. 2. Review the live MAS FSTI scheme guidance for that track's eligibility, funding terms and application method. 3. Submit the required materials through the track-specific channel when MAS opens it.
FSTI 4.0 was announced on 31 August 2026. Confirm live terms directly with MAS before applying.
Claims and Disbursement
Disbursement and claim requirements vary by FSTI 4.0 track. Successful applicants should follow the track-specific Letter of Award and live MAS guidance for milestones, supporting documents and reimbursement terms.
Frequently Asked Questions
FSTI 4.0 is MAS's renewed Financial Sector Technology and Innovation Scheme. MAS announced a S$220 million commitment over three years to strengthen Singapore's FinTech ecosystem and accelerate financial-sector innovation and technology adoption.
FSTI 4.0 has six tracks: Manpower, Institution Project, AI Pathfinder, Infrastructure & Platform, Centre of Excellence, and MAS FinTech Awards.
MAS says the Institution Project track supports Singapore-based financial institutions and FinTech firms that develop and deploy innovative solutions, particularly those using frontier technologies such as AI, distributed ledger technology and quantum technology.
The AI Pathfinder track supports financial institutions in scaling and adopting market-ready AI FinTech solutions listed on PathFin.ai.
Yes. Its Manpower track co-funds FinTech internship stipends. MAS aims to support at least 1,000 FinTech internship opportunities over the scheme's three years through a portal managed by the Singapore FinTech Association.
MAS announced S$220 million for FSTI 4.0 over three years. Individual support amounts and application terms depend on the track; confirm the live FSTI 4.0 guidance before applying.
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