Latest / Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies
How AI Agents Are Rewiring Merchant Underwriting
We dive into how AI agents are rewiring merchant underwriting by moving from static historical data to real-time behavioral signals. Lucas and Luna explore a specific case of a mid-sized payment processor that replaced its three-week manual review cycle with an autonomous agent system, cutting default rates by twenty-two percent while approving more small business loans. We break down the architecture of these agents, how they interpret transaction velocity and customer sentiment, and why this shift is quietly killing the traditional credit score for merchants.
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