Latest / Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How Fintechs Use AI for Real-Time Lending Decisions
In this episode of Fintech Conversations with Fexingo, Lucas and Luna explore how fintechs are using AI to make real-time lending decisions for small businesses. They dive into the case of Kabbage (now part of American Express), which uses machine learning to approve loans in minutes based on live data like sales, shipping, and accounting feeds. Lucas explains how traditional banks rely on outdated credit scores and manual reviews, while fintechs leverage transaction data and AI models to assess risk in near real-time. Luna questions whether this speed sacrifices accuracy, especially during…
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