Episode 121
Blueprint for AI-Native Fintech: Smarter Systems, Smarter Strategy
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In Episode 121 of the Fintech Garden podcast by DashDevs, hosts Igor Tomych and Dumitru Condrea explore what it truly means to be AI-native in fintech—beyond buzzwords and toward infrastructure that’s built to think.
As many fintech platforms still treat AI as a feature—bolted on post-launch—AI-native players are emerging with intelligence integrated into the core. From onboarding to lending, risk to compliance, these systems are designed to adapt, learn, and scale.
This episode challenges the assumptions behind AI in finance today and lays out the blueprint for what comes next.
Why This Episode Matters #
AI-native architecture transforms how we develop fintech products, manage risk, and comply with regulations. It offers speed and personalization—but also introduces new fragilities. As regulation catches up, founders and product teams must decide: how deep should AI go?
In this episode, we cover:
- What separates AI-native platforms from those using AI as an add-on
- How Klarna, Nubank, and Monese are shifting toward intelligence-led architecture
- Where embedded AI is transforming onboarding, compliance, lending, and beyond
- The implications of the EU AI Act, UK sandboxing, and future global standards
- The invisible risks of over-reliance on AI in decision-making
- How to build AI-driven products that are transparent, resilient, and fair
If you’re building next-gen fintech, managing AI compliance, or rethinking product architecture—this conversation will give you a practical lens on where the industry is headed.
Listen now to explore the future of finance, built on intelligence from the ground up.
Guest Appearing in this Episode
Dumitru Condrea
General and Product Manager
Dumitru is accomplished General and Product Manager with over 15 years of experience, specializing in Software Development (Fintech, CRM, SaaS), finance, and project consulting. Skilled in leading cross-cultural teams, navigating Agile, Lean Kanban, and SAFe frameworks, and aligning business and technical requirements to deliver innovative solutions.
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