In Episode 3 of TER, Sara and Zack discuss what makes a fintech indispensable and which companies could disappear without customers noticing much of a difference.
Zack picks PayPal for its role in opening up online commerce. Sara names Wise and Stripe, where value comes from solving recurring problems and becoming embedded in business operations.
Executives from Regions Bank and Temenos explain how a bank’s data, real-time infrastructure, and AI controls, combined with human judgment, can close the gap between what customers expect and what banks deliver, from personalized advice to payments.
They discuss how Regions is applying generative AI with people in the loop, why security and convenience anchor its payments strategy, and what it takes to earn a larger share of a customer’s financial life.
Small and midsize businesses want the time and cost savings AI can offer, but hesitate to hand over their financial operations, so BILL built its new AI suite around three pillars: accuracy, control, and security.
According to BILL’s Tara Wellington, the company’s own risk platform saw about $1.5 BILLion in potentially risky or mistaken payments last year. For her, that kind of data is what lets the risk agent flag issues at the moment they matter, helping keep operations moving smoothly.
Digital-native buyers are rewriting the rules of B2B payments, demanding consumer-grade convenience, flexible terms, and openness to stablecoins and AI, while sellers race to keep their best customers happy under tight credit conditions
TreviPay’s Allen Bonde explains why today’s AI mostly assists rather than replaces human buyers, and what it will take for banks, networks, and fintechs to build the shared infrastructure that could change that.
Salient’s CEO Ari Malik bet everything on auto lending, relocated to sit next to a single customer, and now says the company has never lost a client among the roughly half of the top 20 lenders it serves.
Malik breaks down, how AI voice agent grew into a full compliance and loss-recovery stack, why big banks are adopting AI faster than smaller fintechs, and the company got here without a sales team.
