How AI Will Transform Fintech In 2026

In this podcast episode, Erik Torenberg hosts Zach Perret and David Haber to discuss the evolution and current state of the fintech industry since their last conversation seven years prior. They describe the different phases of fintech, comparing them to seasons: a late spring in 2018-2019, an explosive summer during COVID-2020 and early 2022 with massive venture capital influx, followed by a fintech winter in the second half of 2022. The conversation covers the shift from fintech as a startup industry to its integration into mainstream financial services, the rise of embedded finance, and the increasing adoption of technology by traditional financial institutions. They explore current opportunities in AI-driven financial services, address the growing threat of AI in financial fraud, and consider the future landscape of fintech, including the convergence of crypto with traditional finance and the potential for AI to personalize and automate financial management.