Fintech and Finance Review 2025: AI Risk Becomes Banking
A structural review of what became irreversible in finance in 2025: AI embedded in core decisions, enforcement-era regulation, real-time payment constraints, trust limits in automation, and tokenization as infrastructure control.
This episode argues that the next phase of financial innovation is defined by resilience, governance, trust, and capital discipline rather than speed. It explains why AI in credit becomes operationally irreversible, why concentration creates systemic risk, how DORA-like requirements reshape cost and strategy, and where tokenization changes settlement and access.
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