Trends and Practical Applications of AI & ML in FinTech Industry
summary
Claims that PSD2 open banking (PSD2) unlocks transaction-level data for new products, with Europe leading while China’s Alipay already serves ~1 billion users. Concrete systems built: transaction categorization, behavioral credit scoring, instant lending pipelines and autonomous payments using supervised, unsupervised and reinforcement learning plus NLP/NER. Tech stack: TensorFlow, microservices and Kubernetes and Docker for deployment. Reports a surprising stat—about 70% of millennials prefer a dentist to a bank—and flags real problems: data portability gaps, model explainability and cash-driven blind spots.
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chapters (17)
- 0:00Introduction
- 6:02Open Banking
- 6:49Banking as the Users
- 7:39Global Banking
- 9:06FinTech Trends
- 11:49FinTech Market
- 14:08Use Cases
- 15:20Impact
- 15:39How to think about finance
- 16:23Features of fintechs
- 19:04User perspective
- 20:02Gamification
- 20:57Practical Applications
- 23:15Natural Language Processing
- 24:37Challenges
- 28:14Conclusion
- 29:13Questions
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