Nubank's AI strategy in risk management. Open banking data and customer experiences.

Yesterday afternoon, at Baker Tilly’s community banking conference in Huntington Beach, I showed how banks can continue to build capabilities & processes that drive meaningful results. I compared: ① High-performing banks tech stacks today; ② How #AI could reshape those tech stacks; and ③ What banks spend now vs. the cost of an AI-driven ones. This builds on yesterday’s post about Cornerstone Advisors focus on #data, #benchmarking, and #performance... and why having a tech roadmap is so very important 💯 While I wait for my flight from SNA to PHX, I pulled some of the key slides from my talk + shared below. Take a look and let me know what you think.

What does it take to deliver truly personalized banking at scale without sacrificing accuracy or trust? In this episode of The Innovators Exchange, Hiten Patel and Cosimo Schiavone interview Edward Maslaveckas, co-founder and CEO of Bud Financial, on the data foundations behind generative AI, the shift from broad marketing to tailored product recommendations, and how smaller US banks are partnering more readily with fintechs than many UK peers. Ed also unpacks why resilient operating models and disciplined training data are pivotal as AI-driven engagement tackles more complex customer needs. Tune in to hear the rest of their conversation: https://owy.mn/47hykOH

Community banks face a new reality: the same AI driving innovation at global financial institutions is now essential to staying competitive locally. With the right approach, AI helps community banks: ✔️ Strengthen fraud prevention with real-time detection and explainability ✔️ Expand credit access through smarter, fairer scoring models ✔️ Deliver personalized customer experiences — without increasing overhead The result? Secure, inclusive, and efficient banking that keeps pace with customer expectations and regulatory standards. Read the full blog post: https://lnkd.in/e_UygXaY #AIinFinance #CommunityBanking #FinancialInnovation #FraudPrevention #DigitalTransformation

Discussed our insights from McKinsey's research "Unlocking Value From Technology In Banking: An Investor Lens" at a panel in Dallas hosted by the Mid-Size Bank Coalition of America and moderated by Vikram Nafde of Webster Bank. https://lnkd.in/gzgrAUDC At a time when banks are contemplating spending many billions on AI, the history of productivity from investing in technology in banking in the US is mixed. It comes as no surprise therefore that several articles in the press recently have questioned whether companies are seeing value from AI in their bottom-lines. Our answer: "Sprinkling AI sugar" doesn't help. Only those companies who are up for rewiring processes, changing organization and team structures and ways of working, retraining and apprenticing talent, and enabling a robust infrastructure that assures security, stability, reliability of the AI will see the value. While the technology is new, the problem is an old one. You're going to be hearing a lot more on this from us as the wave of companies who we are helping rewire start demonstrating the value from AI.

🌐 The Power of Data Science in Modern Banking In today’s rapidly evolving financial world, data science has become the heartbeat of innovation and decision-making in banking systems. Banks generate enormous volumes of data every day from transactions, customer behavior, and risk assessments to fraud detection and compliance monitoring. The challenge isn’t just collecting this data but transforming it into actionable intelligence. That’s where data science plays a critical role. Through advanced analytics, machine learning, and AI, banks can: ✅ Detect fraudulent activities in real time ✅ Personalize customer experiences and product offerings ✅ Enhance credit risk modeling and decision accuracy ✅ Streamline operations through predictive insights ✅ Ensure better compliance with regulatory requirements The true value of data science lies not in the numbers themselves, but in the clarity and foresight it brings to decision-makers. By integrating data-driven insights into banking systems, financial institutions can build more resilient, customer-centric, and future-ready operations. As we move deeper into the digital era, banks that embrace data science as a strategic asset, not just a technical tool, will define the future of finance. #DataScience #BankingInnovation #DigitalTransformation #Analytics

From weeks to minutes. Most banks still take weeks to process unstructured data. Argiro’s AI-driven spreading module turns that into real-time insight: - Upload your financials. - Watch the platform deconstruct and process them live. - Ask questions. - Shape the output. - Get the intelligence you need, instantly. We’re already working with some of the region’s leading banks to make credit transformation a reality. This is what the future of banking looks like and it’s happening now. Hear from our Head of AI Joseph Roccisano

🏦 𝐖𝐡𝐲 𝐬𝐭𝐫𝐮𝐜𝐭𝐮𝐫𝐞𝐝 𝐝𝐚𝐭𝐚 𝐦𝐚𝐭𝐭𝐞𝐫𝐬 𝐦𝐨𝐫𝐞 𝐭𝐡𝐚𝐧 𝐞𝐯𝐞𝐫 𝐢𝐧 𝐀𝐈-𝐝𝐫𝐢𝐯𝐞𝐧 𝐛𝐚𝐧𝐤𝐢𝐧𝐠. AI in banking thrives on structured, consistent, and connected data whether it’s detecting fraud, assessing credit risk, offering personalized experiences, or simplifying regulatory reporting. But here’s the challenge: too many banks still operate with legacy systems and data silos, limiting their AI potential. The shift toward data modernization unified platforms, strong governance, and clean data pipelines is what’s helping financial institutions move from insights to real impact. 🔍 Structured data isn’t just an IT upgrade it’s a strategic advantage. #NexusGroupe #AIinBanking #Fintech #DataStrategy #DigitalTransformation #CoreBanking #Innovation #StructuredData

Did you know Generative AI is expected to add $200 billion to $340 billion in value annually to the global banking industry? This is accomplished by revolutionising functions from personalised customer service to creating new risk management models. Don't Forget to tune in to YouTube Channel TICTECH Magazine to watch the full episode! https://lnkd.in/dW2m8qWm #FutureTech2025 #FutureOfFinance #BankingTech #fintech2025 #AIBanking #generativeai #TicTechMagazine #technews2025

What does it take to deliver truly personalized banking at scale without sacrificing accuracy or trust? On the latest episode of the Innovators' Exchange Podcast, Hiten Patel and I sit down with Edward Maslaveckas, co-founder and CEO of Bud, who spoke with us about his journey from Harrogate in Yorkshire and his early experiences in banking, to founding a fintech company focused on enhancing customer engagement and personalization through advanced data analytics. Ed shared his thoughts on different market dynamics, generative AI in banking and the shift from broad marketing to tailored product recommendations. Thanks Ed for coming on the show! Listen to our conversation here > https://lnkd.in/ecjQACY3 #DigitalBanking #Fintech #AI

From Data Silos to AI-Powered Banking with Snowflake: Real-World Use Cases: Explore specific implementations in customer 360 platforms, fraud detection, credit risk optimization, and regulatory reporting. #regulatoryreporting #regulation #finperform