Embat Selected for Google's AI-Focused Startup Program

OpenAI Expands Fintech Reach with Acquisition of Roi: OpenAI acquires AI finance startup Roi, signaling deeper interest in fintech applications and personalized financial technology. #finpeform #fintech

OpenAI Expands Fintech Reach with Acquisition of Roi: OpenAI acquires AI finance startup Roi, signaling deeper interest in fintech applications and personalized financial technology.

OpenAI Is Quietly Becoming a Fintech Super App Everyone saw “OpenAI acquires ROI” and moved on. But look closer — this isn’t about another AI app. It’s about the financial interface for people who hate managing money. Three acquisitions. One pattern. → ContextAi — personalization engine → Crossing Minds — recommendation systems → Roi — adaptive personal finance Between those? They shipped Pulse, Instant Checkout, and Sora. Translation: OpenAI isn’t experimenting anymore. They’re building AI that earns, spends, and thinks for you. Why this matters: → 90% of people don’t want to manage money. → Fintechs fight for the 10% who do. → Roi flipped that: it managed money for you. That’s the insight OpenAI bought. Not the app — the interface psychology. The new Fintech divide: → Perplexity is going pro — data, dashboards, traders. → Claude is going enterprise — spreadsheets, operations, control. → OpenAI? It’s going consumer. For the 90% who hate budgeting, but still need to win financially. Fintech used to mean “tools for humans.” Now it means “AI that uses the tools for you.” That’s the shift. That’s the new moat. That’s how OpenAI becomes the Fintech Super App. For every fintech operator reading this: If OpenAI becomes the default money interface for the world’s financial majority… What happens to your app? Your roadmap? Your moat? Because if you’re still building dashboards OpenAI is already building the person who’ll never need one.

𝗔𝗜 𝗶𝗻 𝗙𝗶𝗻𝘁𝗲𝗰𝗵  Every fintech claims to ‘use AI.’ Few use it strategically. Are your AI investments actually driving growth, trust, and efficiency? Today, AI is helping FinTech:  • Detect fraud in real time   • Offer hyper-personalized financial journeys   • Reduce credit risk with predictive analytics   • Automate compliance and reporting But integrating AI isn’t plug-and-play. It demands strong data foundations, explainability, and governance - the very things that differentiate leaders from followers in this space. In our latest blog, we break down:  • The real-world impact of AI across fintech domains   • What a responsible AI implementation framework looks like   • How leading FinTech companies are shortening innovation cycles from 18 months to 6 If your fintech product is ready to evolve, this blog shows how to embed AI thoughtfully and strategically - without compromising compliance or trust. 🔗 Read the full blog - https://lnkd.in/gmzT7j5J  #Fintech #ArtificialIntelligence #AIinFinance #FintechInnovation #DigitalTransformation #FraudDetection #PredictiveAnalytics #HyperPersonalization #RegTech #FinancialService

How many times have you heard this: "We're a fintech, and we use AI!" 🙄 Honestly, if it means that the company has just bolted a shiny new feature onto a creaking system, they're already behind... The so-called "fintech winter" is indeed giving way to spring ❄️➡️🌱, but according to Raman's new, must-read article in The Fintech Times today, the only companies leading the charge are the AI-native fintechs. And no, that doesn't mean a fancy chatbot. 💡 The real game-changer is the foundation 🏗️ The old way was simply digitizing broken processes. The new way - the only way to survive, really - is what Raman calls #AI-native: companies (like myTU 😉) that have automated processes, lean operations, and smart compliance built into the very core of their tech stack. It's not a feature; it's the foundation. Raman dives into the cold, hard reasons why smart investors are only looking at these businesses: $$$ They deliver better margins because their systems are hyper-#efficient. ⚙️ They run on truly modern tech, not just a decade-old banking system with an API layer. 🎯 They focus beyond the hype to deliver actual technical capability and real-world value. It stings to say it, but if you're not operating with this level of efficiency and technical depth, you're not participating in the thaw; you're just waiting for the next freeze. Don't miss Raman's full take: "Fintech Winter Could Turn into its AI-Native Spring" ➡️ https://lnkd.in/dGfPPqQR #Fintech #AI #AInative #Innovation #Efficiency #myTU #TheFintechTimes

🚨 Most AI companies are burning cash on billing problems they don't even know they have. While everyone's focused on building the next AI breakthrough, there's a $15 billion problem hiding in plain sight: AI companies can't properly monetize their products. Here's what's happening: → Traditional billing systems crash under AI's dynamic usage patterns → Startups lose 30-40% potential revenue due to pricing inflexibility → Enterprise clients walk away because they can't track AI value creation Paygentic just raised $2M to solve this exact problem. Founded by Susan O'Neill (Fintech Ireland Advisory Council) and Samuel Alarco Cantos (ex-Google), they're building billing infrastructure specifically for AI-native businesses. What makes this different: ✅ Handles machine-led decision-making and microtransactions ✅ Adaptive pricing that adjusts based on AI performance ✅ Real-time billing tied to actual value creation, not static tiers ✅ Built for the complexity AI companies actually face The timing is perfect. AI companies are generating $15B+ annually, but most are stuck with legacy payment systems designed for static products. This isn't just about payments—it's about unlocking the true economic potential of AI. As AI becomes more autonomous, revenue models need to evolve too. Paygentic is positioning itself at the center of that transformation. What's your take—have you seen AI companies struggle with monetization and billing complexity?

I've always been fascinated by how technology sneaks up on us and changes the game without much fanfare. Remember when online banking felt like a clunky novelty? Fast forward to today, and we're on the cusp of something even bigger: generative AI making personal finance feel less like number-crunching drudgery and more like having a savvy financial advisor in your pocket. As someone who's spent the last few years knee-deep in FinTech partnerships, helping scale digital solutions for payments and beyond, I've seen this shift firsthand. Take budgeting apps, for instance. Gone are the days of rigid spreadsheets or generic advice. Now, tools powered by models like GPT variants are generating tailored plans on the fly—analyzing your spending patterns, predicting cash flow hiccups, and even suggesting "what if" scenarios like "What if I splurge on that trip but cut back on subscriptions?" It's not just reactive; it's proactive, almost intuitive. But here's the real magic (and a bit of the challenge): this tech is democratizing wealth management. In emerging markets like parts of Eastern Europe and Southeast Asia—places I've collaborated on projects—small business owners are using AI chatbots to forecast inventory needs or negotiate better loan terms in real-time. No need for expensive consultants. Yet, as exciting as that is, we're grappling with trust issues. How do we ensure these AI "advisors" are transparent about their biases or data sources? Regulators are catching up, but it's a reminder that innovation without ethics is just hype. What gets me optimistic, though, is the human element it unlocks. Suddenly, people aren't buried in finances—they're free to dream bigger, invest smarter, and build resilience. I've chatted with partners in Singapore's buzzing FinTech hub who are piloting AI-driven micro-investment platforms, turning spare change into diversified portfolios with a single voice command. It's empowering, plain and simple. So, what's your take? Have you tried an AI tool for your finances yet, and did it feel like a game-changer or just another app? I'd love to hear your stories in the comments—let's swap notes on what's working (or not). #FinTech #GenerativeAI #DigitalTransformation #PersonalFinance #Innovation

Stripe is on the cusp of benefitting from a $350 billion global market opportunity due to its early traction with AI startups, and its move into stablecoins, banking giant J.P. Morgan has said

Morgan Stanley’s Lisa Shalett says that debt-funded AI projects, like Meta’s $30 billion Louisiana data center, are a signal that the narrative driving the bull market in tech stocks is becoming more complicated. She says the new reliance on private credit, the rising complexity in AI vendor ties, and the uncertain profitability of AI startups, increases the pressure from investors to see actual returns. “What was a very simple story is suddenly getting a lot more complex,” she says.

SME confidence just hit -74, the lowest since records began.¹ 📉 Interest rates stuck, demand patchy, and skills gaps widening. Yet in the same week, eBay + OpenAI’s “AI Activate” launches free AI training for 10,000 small firms ² , and fintech Love Finance raises £45 m to boost lending.📈 The message? Even in tough cycles, opportunity hides in efficiency.🙏 👉 Use AI to trim admin and free cash flow. 👉 Review finance options before Q4 pressure hits. Resilience isn’t about waiting for better weather - it’s about building stronger sails. #UKBusiness #SME #AI #Leadership #Resilience ¹ Reuters ² Tech Radar Pro