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Money20/20 USA spotlighted how agentic AI and stablecoins are reshaping payments, with trust and security still standing in the way of wider adoption.
Across 4 key themes, the gist is that payments innovation must move beyond product demos to solve real world challenges without adding complexity for businesses and customers.
Fifth Third is leaning on its existing banking relationships and infrastructure to make deposits stickier as AI makes it easier for customers to move money for better yields.
The bank is bringing more money management tools into its apps while using Newline to extend its payments and banking infrastructure to fintechs beyond its own channels.
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.
LendingTree is moving upstream in the loan-shopping journey, using ChatGPT to reach borrowers while they’re still researching what they can afford and what type of loan they need.
The strategy tests whether AI can turn that early research into completed applications, while LendingTree applies AI across offer comparison, customer acquisition, and servicing.
