Artificial Intelligence - Long Reads, News, Articles & Research: Finextra

Hamish Monk Senior Reporter at Finextra

What is treasury technology?

According to PwC’s 2025 Global Treasury Survey, in today’s volatile “macroeconomic environment, a ‘cash-first’ operating model is no longer optional. Treasury must lead with forecasting accuracy, real-time visibility and centralised control.” The only effective means for organisations to achieve these goals – as well as weather the headwinds of st...

29 July 2025 /ai

The AI energy crisis: Why chatbots are using up our drinking water

Dominique Dierks Senior Content Manager at Finextra

The AI energy crisis: Why chatbots are using up our drinking water

Just this week, the Trump administration has introduced its new ‘AI Action Plan’ with the direct aim to speed up the adoption of AI and the build of more data centres, all the while cutting regulation to enable this. As the world continues its AI race, how much is too much? Concerns have long been raised about the amount of energy AI uses. The In...

25 July 2025 /ai

Hamish Monk Senior Reporter at Finextra

What is predictive analysis?

Predictive analytics is a method of data analysis used within the financial services industry – and beyond – to forecast business-related outcomes. It sits on a spectrum, beginning with descriptive analytics, the most basic form of data analysis, then moving to diagnostic analytics, predictive analytics, and finally prescriptive analytics – the mo...

01 July 2025 /ai

AI in fintech: Transforming customer experience and operational efficiency

Ram Gopal Professor at University of Warwick

AI in fintech: Transforming customer experience and operational efficiency

Why AI—and why now? After two years of explosive progress in generative models, artificial intelligence (AI) has become the defining force behind innovation within financial services. According to NTT Data, a remarkable 91% of banking boards now have generative AI (Gen AI) initiatives on their agendas - a level of executive sponsorship unmatched by...

12 June 2025 /ai

Hamish Monk Senior Reporter at Finextra

What is natural language processing?

The term natural language processing, or NLP, describes a computer’s ability to understand, interpret, or generate human language. It is a type of artificial intelligence (AI) which uses algorithm-backed machine learning (ML) to recognise both the written and spoken word. Testament to its utility, in 2023 the market size of NLP in finance was valu...

10 June 2025 /ai

Hamish Monk Senior Reporter at Finextra

What is AI bias?

The term ‘AI bias’ refers to situations whereby an artificial intelligence (AI) system produces prejudiced results, as a consequence of flaws in its machine learning process. Often, AI bias mirrors society’s inequalities, be they around race, gender, class, nationality, and so on. In this instalment of Finextra’s Explainer series, we ask where bia...

03 June 2025 /ai

Lynn Housecroft Professional Support Lawyer at Squire Patton Boggs & SPP member

The quiet revolution of AI in pensions

A quiet revolution is happening in the pensions industry, as it starts to embrace the use of artificial intelligence (AI) for more than number crunching. AI has been used in pensions for several decades, but this has largely been for back office work, such as analysing large data sets associated with pension schemes, which have thousands of members...

22 May 2025 /ai

Hamish Monk Senior Reporter at Finextra

What is deep learning?

Artificial intelligence (AI), a concept once confined to the realms of science fiction, has in the last several years entered the mainstream – with the release of OpenAI’s inaugural ChatGPT model, and other competitor engines subsequently, transforming innumerable industries. Often uttered in conjunction with ‘AI’ is the term ‘deep learning’, thou...

20 May 2025 /ai

From human-in-the-loop to human-on-the-loop: How AI agents are redefining finance

Madhvi Sonia Head of Content at Finextra

From human-in-the-loop to human-on-the-loop: How AI agents are redefining finance

At Nacha’s Smarter Faster Payments 2025 conference in New Orleans, industry leaders from BNY and PayPal offered insights into how financial services are leveraging AI. One of the most striking shifts discussed was the move from human-in-the-loop systems, where humans are directly involved in decision-making, to human-on-the-loop models. In this new...

28 April 2025 /ai

How FIs and fintechs will use AI, fresh funding, and partnerships to grow in 2025

Scott Hamilton Contributing Editor at Finextra Research

How FIs and fintechs will use AI, fresh funding, and partnerships to grow in 2025

Finextra reviewed recent financial institution surveys and expert industry commentaries to zero in on the current and near-future realities of AI in banking and fintech circles. Is generative AI technology proving its promoters’ promises or fulfilling its heavily hyped potential in the financial services world? We also wanted to explore experts’ a...

18 March 2025 /ai

UK government delays AI Bill, but now is the time to regulate unchecked AI

Chris Holmes Peer at House of Lords

UK government delays AI Bill, but now is the time to regulate unchecked AI

Despite the welcome publication of the Government’s AI Opportunities Action Plan last month, the latest rumours around Westminster are that Ministers have delayed plans for an AI Bill as the UK government seeks to align itself with the U.S. administration on the technology. There is, self-evidently, a more than pressing need for cross-sector, AI-s...

03 March 2025 /ai

What does the rise of AI agents mean for you at work?

Amanda Kavanagh Contributor at Jobbio

What does the rise of AI agents mean for you at work?

Fintech has emerged as a leading sector at the forefront of AI adoption and automation. But recently, there has been some confusion about what agentic AI is, and how AI agents can be effectively put to use on both routine and complex tasks. Last month, we looked at how Citi GPS is using cutting-edge agentic AI, which it has dubbed the ‘do it for m...

14 February 2025 /ai

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