Tag: ai
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The first agent you should hire may be the one that controls your advertising budget
Most companies still treat advertising as a marketing activity. In economic terms, however, advertising is a continuous capital-allocation process. Every decision to invest in Google, Meta, LinkedIn, TikTok, YouTube, WhatsApp, marketplaces, influencers, websites, or digital publications assigns capital to a particular audience, message, product, geography, moment, and expected return. Despite the financial importance of these…
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Money 20/20 2025: The fintech inflection point between hype and execution
Las Vegas hosted more than 11,000 financial industry professionals from 85 countries at Money 20/20 this October. Still, this year’s conference revealed something different from previous editions — a shift from innovation theater to enterprise-scale execution.The event’s main focus wasn’t on questions like “What can AI do?” or “Will crypto work?”. Instead, executives and product…
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Voice banking, biometric authentication and the rise of passwordless banking
For decades, financial institutions relied on long, complex passwords as the main barrier between accounts and fraud. Customers were asked to memorize codes and update them frequently, under the belief that more complex combinations meant stronger security. That approach is now outdated, as traditional password systems are being replaced by more straightforward and secure authentication…
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Payment orchestration in financial infrastructure
Most financial institutions and fintechs already know how to send and receive payments. But what happens after the transaction is confirmed? This is precisely the part that many overlook, and where payment orchestration can make a significant difference.A payment triggers a chain of actions that goes far beyond confirmation. Funds need to be routed, reconciled,…
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How AI in enterprise architecture is rewriting system design
Most enterprise systems are still designed primarily for human use, with interfaces, journeys, and workflows that guide users through a structured set of steps. However, the growing presence of AI in enterprise architecture is beginning to change that. This shift represents a necessary transformation in enterprise architecture, with central interfaces being replaced by intent, context, and…