Artificial Intelligence (AI) is no longer a future concept in fintech; it has become the foundational engine driving innovation, efficiency, and customer experience. The global market for AI in fintech is projected to hit $26.67 billion by 2026, growing at an annual rate of 23.17%. This level of growth underscores a significant shift: AI is now core to the success of financial technology platforms.
Today, over 90% of global fintech companies utilise AI and machine learning. I believe AI isn’t simply a value-add; it’s essential infrastructure. As the adoption of digital assets increases, AI empowers us to deliver smarter decision-making, stronger user protection, and more intuitive experiences.
AI: The New Core of Financial Insight
The true strength of AI lies in its capacity to learn. By analysing data from customer cash flows, investment habits, and trading patterns, AI tools offer platforms a more accurate understanding of individual financial behaviour.
This intelligence enables financial products to become more context-aware, offering timely nudges, actionable insights, and personalised financial guidance. An industry-leading example is UBS’s recent partnership with an AI-driven fintech firm in Singapore. Together, they launched a premium banking assistant that provides real-time insights and revenue forecasting for VIP clients. These insights are not driven by assumption, but by precise analysis of millions of data points.
AI is often associated with user-facing tools like trading bots, chat assistants, and personalised dashboards. The true value of AI lies in the underlying systems that power and optimise platform performance behind the interface.
When market volatility strikes at 2:00 AM or when thousands of users access a platform simultaneously, it is AI-powered systems that keep operations stable. Machine learning models predict infrastructure strain and preemptively respond to potential issues. They detect and resolve bugs before they disrupt the user experience.
Moreover, when a user seeks assistance, AI-driven support tools can recall previous interactions, identify patterns in user behaviour, and provide contextually relevant responses, enabling faster, more consistent service while complementing human support when needed.
From Smarter Ops to Smarter Users
The ultimate promise of AI in fintech is augmentation, not just of systems, but of people. With properly implemented AI, users gain access to better tools, deeper financial insights, and a stronger sense of control in an increasingly complex financial landscape.
This is especially critical in the digital asset space, where market dynamics evolve rapidly and consumer trust is still maturing. A balanced integration of AI, human oversight, and transparency allows fintech companies to foster trust and empower users.
At FlashChange, this is central to our mission. We are not only improving how people trade; we’re helping them build a better and more empowered understanding of their financial future.
In today’s environment, AI is not optional. For digital asset platforms and fintechs alike, it has become the foundation of trust, performance, and scalability.
The companies that will lead in the coming decade won’t simply be those that offer trading access. They’ll be the ones that deliver context-aware, AI-powered financial empowerment, tailored to the individual, and built for the future.
Bidemi Oke, CEO, FlashChange, writes from Lagos