How Fintechs Use AI for Real-Time Payment Routing Optimization

Fintech Conversations with Fexingo: Banking, Payments, and Financial Software Companies · Jun 28, 2026 · 8m · transcript

In this episode of Fintech Conversations with Fexingo, Lucas and Luna dive into how fintechs are using AI to optimize payment routing in real time, slashing costs and boosting success rates. They unpack the case of Stripe's 'Optimized Routing Suite', which dynamically selects the cheapest or most reliable payment rails for each transaction. Lucas explains how machine learning models factor in card type, issuer, time of day, and historical success rates to make split-second routing decisions, saving merchants basis points on every transaction. Luna challenges whether this adds…