This Time Is Different: Why AI Is Unlike Any Wave I Have Seen In 40 Years Of Financial Services
THE SO WHAT
When a 40-year FS veteran argues AI will drive near-zero marginal costs and hyper-personalized products, the bar for “good enough” digital banking just moved. Banks and fintechs that don’t already have concrete AI experiments in underwriting, servicing, and product design are effectively conceding future margin.
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