{"id":12533,"date":"2019-11-11T15:23:00","date_gmt":"2019-11-11T14:23:00","guid":{"rendered":"https:\/\/www.fundacionbankinter.org\/noticias\/fintech-e-inteligencia-artificial\/"},"modified":"2025-12-01T23:36:10","modified_gmt":"2025-12-01T22:36:10","slug":"fintech-and-artificial-intelligence","status":"publish","type":"noticias","link":"https:\/\/www.fundacionbankinter.org\/en\/news\/fintech-and-artificial-intelligence\/","title":{"rendered":"Fintech and Artificial Intelligence"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Fintech companies (financial technological companies) are expanding rapidly. Year after year they consolidate their business in areas such as payments and loans, and also emerging areas such as blockchain.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">According to our experts, AI will drive growth in the industry with two main assets:<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&nbsp;&#8211; The&nbsp;<strong>management of the data&nbsp;<\/strong>generated in every fintech company. Fintech companies must have data-driven business models. This data is generated through the acquisition of a client or, once acquired, by selling the client products and services that generate more data.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8211; The creation of an&nbsp;<strong>ecosystem<\/strong>&nbsp;where these fintech companies can become digital banks (Sandbox) and grow under a regulation that combines tradition (a &nbsp;legal-prudential framework) and consumers\u2019 trust so they share their data. In this case, AI might become a tool for the right management of this potentially confidential data.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" title=\"Inteligencia Artificial e inversi\u00f3n | Gary Ang\" width=\"500\" height=\"281\" src=\"https:\/\/www.youtube.com\/embed\/aTzUVY3iA-w?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n<\/div><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><strong> AI will also enable&nbsp;large technology companies to become fintech companies; they will be able to obtain banking licenses and become banks. There might be an entire alternative universe with a digital economy based on digital currency and driven by AI and blockchain. Social media, ecommerce, AI, data and blockchain technologies deeply converge in the banking and financial industry.&nbsp;<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Artificial Intelligence is an essential tool for the development of fintech<\/p>\n","protected":false},"featured_media":5928,"template":"","meta":{"_acf_changed":false,"_oaas_summary":"Fintech companies are rapidly expanding their presence in traditional financial sectors like payments and loans, as well as in emerging technologies such as blockchain. Experts highlight that artificial intelligence (AI) will be a key driver of growth in the fintech industry by leveraging two main assets. First, AI enables the effective management of vast amounts of data generated through customer acquisition and ongoing sales, supporting data-driven business models. Second, AI facilitates the creation of regulated digital ecosystems\u2014often called sandboxes\u2014where fintech firms can operate as digital banks under frameworks that balance legal prudence and consumer trust, ensuring proper handling of sensitive data.\n\nFurthermore, AI is expected to empower large technology companies to enter the financial sector by obtaining banking licenses and transforming into banks themselves. This evolution could give rise to a digital economy heavily based on AI, blockchain, and digital currencies. The convergence of social media, e-commerce, AI, data analytics, and blockchain technologies is reshaping the banking and financial landscape, potentially creating an entirely new universe of digital financial services. This transformation promises innovative, data-driven, and consumer-trusted financial ecosystems for the future.","_oaas_audio_url":"https:\/\/www.fundacionbankinter.org\/wp-content\/uploads\/2025\/12\/summary-12533-1764628574.mp3"},"categories":[],"class_list":["post-12533","noticias","type-noticias","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Fintech and Artificial Intelligence<\/title>\n<meta name=\"description\" content=\"Artificial Intelligence is an essential tool for the development of fintech\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fundacionbankinter.org\/en\/news\/fintech-and-artificial-intelligence\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Fintech e Inteligencia Artificial\" \/>\n<meta property=\"og:description\" content=\"La Inteligencia Artificial es una herramienta esencial para el desarrollo del fintech\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fundacionbankinter.org\/en\/news\/fintech-and-artificial-intelligence\/\" \/>\n<meta property=\"og:site_name\" content=\"Fundaci\u00f3n Innovaci\u00f3n Bankinter\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/FundacionBankinter\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-01T22:36:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fundacionbankinter.org\/wp-content\/uploads\/2021\/07\/6-aprendizajes-profesionales-de-ramon-blanco-pionero-del-fintech-en-espana--e1636640406511.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"735\" \/>\n\t<meta property=\"og:image:height\" content=\"735\" \/>\n\t<meta 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