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February 27.2025
2 Minutes Read

FinovateEurope 2025: Exploring The Impact of Agentic AI on Fintech Funding and Embedded Lending

Expert panel discussion at Finovate Europe conference about agentic AI.

The Rise of Embedded Lending in Fintech

At FinovateEurope 2025, a major focus was the evolution of embedded lending—a concept that integrates lending seamlessly into various customer journeys, moving beyond traditional models such as buy now, pay later (BNPL). As discussed by experts from leading financial institutions like HSBC and Deutsche Bank, this approach uses APIs to facilitate lending in innovative ways, opening doors for micro-lending, peer-to-peer lending, and other customized lending solutions.

Challenges of Data Management in Fintech

Despite the optimistic outlook on embedded lending, challenges remain. Ram Devanarayanan from Infosys highlighted issues with data management and scalability as significant roadblocks. Many banks, as well as fintechs, struggle to manage and utilize clean data effectively for accurate credit assessments and borrower profiling. The conversation underscored a critical need for robust data strategies that can support the implementation of advanced lending technologies.

Agentic AI: Redefining Financial Services

Beyond lending, the discussions at FinovateEurope underscored the role of agentic AI—AI systems capable of making autonomous decisions in real-time. This technology could transform customer interactions by providing tailored financial services based on individual user profiles. As highlighted by Varun Ghai of NewGen Software, agentic AI can facilitate crucial processes like document analysis and behavioral predictions, which can significantly enhance operational efficiency.

Financial Trends and the Shifting Investment Landscape

Investment patterns in the fintech sector have swiftly changed over the past years. 2024 marked a decline in global fintech investment after a peak in 2021. However, discussions at the Investor All Stars panel revealed optimism around vertical Software-as-a-Service (SaaS) and embedded finance, alongside agentic AI as areas ripe for growth. These shifts suggest that while traditional channels of investment might be faltering, emerging technologies such as agentic AI are likely to secure future funding.

Future Predictions: What Lies Ahead for Fintech?

The advent of agentic AI heralds a future where autonomous systems will increasingly handle financial decisions on behalf of consumers, creating a new layer of interaction in financial services. This shift could potentially empower consumers but it raises fundamental questions about responsibility and regulation in financial transactions. As these technologies develop, clear frameworks will be necessary to manage how these agents will operate and interact with financial institutions.

Embracing Change: The Value of Understanding Embedded Lending and AI

For AI enthusiasts and fintech professionals, understanding the nuances of embedded lending and agentic AI is crucial as these technologies redefine our financial interactions. As the data supports their adoption, professionals must be prepared to adapt and innovate, leveraging these new tools to enhance service offerings and maintain competitive advantages in a rapidly evolving market.

As the implications of these advancements are far-reaching, engaging with the expert insights shared at events like FinovateEurope is not just beneficial but essential for staying ahead in the tech-driven finance landscape.

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04.02.2025

Vishal Dadlani Condemns AI's Ghibli Trend as Plagiarism in Art

Update The Controversial Rise of AI-Generated Art The recent fascination with AI-generated art, particularly the Studio Ghibli trend, showcases how rapidly technology can change creative landscapes. Over the past few weeks, social media platforms have been flooded with users sharing their AI-generated images styled after Studio Ghibli films, bringing forth a wave of both fascination and ethical questioning regarding art and originality. Vishal Dadlani Speaks Out Music composer Vishal Dadlani has publicly denounced this trend as "AI's plagiarisation," warning that it threatens the very essence of artistry. Dadlani's critique resonates with a growing concern among artists and creators: as artificial intelligence becomes capable of mimicking established styles, what does this mean for original creators striving to make a living from their work? This hit home particularly as artists from various fields have voiced worries about AI's role in diminishing the labor and creativity embedded in artistic work. The Shadows of AI Art: Ethical Implications The ethical implications of AI-generated art are broad and far-reaching. On the one hand, the technology empowers users to experiment with creativity in novel ways by producing stunning visuals that once required painstaking hours of work. On the other hand, the question of authorship arises—can something created by an AI truly be claimed by any individual? Dadlani highlights this issue by asserting that the AI's ability to learn from the works of human artists could lead to copyright infringement, especially if it mimics styles without proper credit or compensation. Social Backlash and Support While some enthusiasts celebrate the birth of AI-created art, many artists argue that its prevalence devalues traditional artistry. Users are divided; while others enjoy experimenting with AI tools online, artists advocate for respect and acknowledgment of their hard work. This duality presents an interesting landscape where technology both supports and undermines creativity. The Future of Creativity in the Age of AI Looking ahead, the ongoing development and adoption of AI in creative fields pose critical questions. Future regulations may well evolve to create a framework wherein AI can generate art responsibly while still valuing the skills and vision of human creators. AI should not merely be a tool, but potentially a partner in the creative process—one that seems beneficial when cultivated with integrity. A Call for Collaboration As we navigate this emerging era of AI dominance in creativity, fostering a dialogue between technologists and artists will be essential. Artists should be consulted when developing new AI tools that impact their work, ensuring a balance between innovation and respect for human creativity. By building frameworks for collaboration, we can harness the transformative potential of AI while preserving and honoring the human essence of artistic expression. In conclusion, as AI technology continues to advance, so too must our dialogue about its role in art, originality, and ethics. With the right guidance, we can direct AI innovations to complement rather than replace human creativity. As the conversation around AI-generated content grows, consider the implications of your interactions with these technologies and advocate for fair practices that protect artists' rights. Let's shape a future where AI enriches our artistic landscapes while honoring tradition.

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