Artificial intelligence has arrived in payments. Big Tech players are embedding AI into authentication, personalisation, cashierless checkout and conversational commerce. Lately, Amazon attributed its 35% profit surge to its AI investments in payments and checkout. Fintechs are also experimenting aggressively with agentic AI, real-time recommendations, and automated customer service. bunq’s AI assistant “Finn”, part of Europe’s first AI-powered neobank, now handles up to 40% of user support questions independently while assisting with up to 75% of queries daily. Yet for many tier-1 and tier-2 banks, processors, and established fintechs, the question is not whether to use AI, but how to…
Author: Maria Vinogradova, Head of Strategy and Market Intelligence, OpenWay
Author
Maria Vinogradova, Head of Strategy and Market Intelligence, OpenWay
Maria started her career as an IT product manager and then as a digital transformation manager. Today, she is the Head of Strategy and Market Intelligence at OpenWay, a global vendor with top industry ranking for its Way4 digital payments processing platform. At OpenWay she pioneered a role as concept designer and ambassador for one the first white-label digital wallet platforms on the market. She has also participated in developing one of the first omni-channel payment platforms in the market. In her current leadership role at OpenWay, she and her team consolidate insights on payment technologies and business cases to identify important business and technological trends and cases relevant to banks, processors, fintech start-ups, telcos, and PSPs all over the world. This results in the product and brand strategies that help OpenWay clients to achieve their goals in the ever-competitive payments market.
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