What payment innovations such as embedded finance, BNPL, blockchain, or biometric authentication do you see having the most impact on the ecosystem? With the explosion of AI leading to a significant surge in identity theft and deepfake scams online, tools that help ensure stability during periods of rapid growth will likely be considered the innovators….
1. What are some of the most exciting AI-driven innovations currently redefining the FinTech ecosystem whether in payments, lending, wealth management, or fraud detection? AI in FinTech is transforming financial services by enabling institutions to personalize offerings at scale, automate complex decisions, and detect fraud in real time. In payments and lending, advanced models now allow…
1. How do you determine real-world financial behaviors for underwriting purposes, and how is this different from traditional models? Rate Portfolio takes a flexible, big-picture approach that provides a better understanding of a borrower’s actual income situation. Credit history still matters, of course, but instead of relying strictly on tax returns or W2s, we look…
1. What specific trends or data led you to identify the “quiet credit crisis” among Americans? We saw that over 45 million Americans are considered credit invisible or underbanked. That’s such a high number, and it highlights how traditional systems fail to serve a large segment of the population. On top of that, younger consumers, immigrants,…
1. How has the legacy credit reporting system become more of a barrier than a bridge, especially for individuals with unconventional financial profiles? Traditional credit systems were designed around institutional credit products—loans, credit cards, and mortgages. But today, billions of people participate in the economy through alternative channels: freelance income, mobile payments, crypto, informal commerce,…
Why Fintech Startups Need Anti-PR to Survive the Spotlight
The adoption of generative AI in financial crime detection remains limited, largely due to several key challenges. First, there is a natural reluctance within teams, driven by concerns about AI’s complexity, uncertainty about its practical benefits, and fears of job displacement. Additionally, legacy technologies pose a significant barrier. Many organizations still rely on outdated governance, risk, and compliance (GRC) systems that are costly to maintain and incompatible with modern AI solutions, making integration appear both daunting and expensive.
1. How is AI being used to optimize workflows and reduce inefficiencies in B2B operations, such as supply chain management or sales processes? AI is transforming B2B sales processes by eliminating inefficiencies and enabling smarter workflows. For instance, Salesbot.io leverages AI to analyze a company’s Ideal Customer Profile (ICP) and access a vast database of…
Philip Bruno, ACI Worldwide’s Chief Strategy and Growth Officer, discusses the company’s growth strategy and the future of payments in a recent interview.
Cyber Resilience & Cyber Ranges: Daz Preuss, COO, on Innovation
