How Fintechs Use AI to Predict Credit Card Churn

Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies · Jun 23, 2026 · 10m · transcript

In this episode of Fintech Conversations, Lucas and Luna explore how fintech companies are using artificial intelligence to predict when a customer is about to cancel their credit card — often before the customer knows it themselves. They break down the specific data signals models track: declining spend velocity, shifts in merchant categories, and changes in payment timing. The hosts walk through a real example from a major issuer that reduced churn by 22 percent using a machine learning model that triggers personalized retention offers like fee waivers or bonus points. They also discuss the…