The Invisible AI Revolution: Why Fintech's Best Features Won't Feel Like AI

The race to weaponize artificial intelligence has consumed fintech's mindshare for two years. Engineers have rushed to embed chatbots into banking dashboards. Product teams have tacked transaction summaries onto spending histories. Assistants now pop up inside applications that most users access monthly, if at all. The sprint has been frantic, the implementations visible, and increasingly, the results underwhelming.