The financial services sector faces the pressing need to transition from AI pilot programs to full-scale deployments that genuinely enhance customer value. The key challenge lies in seamlessly integrating AI into operational workflows, particularly where high-volume decisions intersect with customer interactions. The effectiveness of AI in this context relies heavily on robust execution architecture.

This session will explore the essential infrastructure, organizational collaboration, and workflow integration necessary for scaling AI from testing phases to production. Utilizing real-world banking examples, attendees will see how leading institutions effectively embed AI across various functions such as product development, marketing, and customer engagement, transforming AI into connected intelligence rather than mere isolated experiments.

Experts from Nomis will provide a practical workflow demonstration, showcasing how AI can be effectively integrated into existing processes with appropriate feedback mechanisms.

This webinar will equip banking executives with valuable insights, including:

• A diagnostic framework to pinpoint areas where AI can yield the highest ROI within their institutions.
• The vital link between analytics teams and market execution that facilitates sustainable value creation.
• A concrete workflow architecture illustrating AI’s integration across customer insights, product strategy, and execution.
• Infrastructure prerequisites that support ongoing improvement beyond initial deployment.
• Actionable steps for advancing AI initiatives from pilot stages to full production.

Presenters will include Greg Demas (CEO of Nomis), Dallas Wells (CPO of Nomis), and Wes West (Chief Analytics Officer of Nomis).

The Financial Brand serves as a leading source for in-depth insights in the financial services sector, offering articles, webinars, reports, and research to keep banking executives informed about transformative trends and growth strategies in the industry.

The Year in FinTech: Key Developments from November 2025

November 2025 saw significant advancements in the FinTech sector, highlighted by Lloyds Banking Group's deployment of a groundbreaking AI framework and its acquisition of Curve, among other notable updates.

Lloyds is set to launch an agentic AI financial assistant for its digital banking platform in early 2026, catering to over 21 million customer accounts. This represents a significant leap in automating financial guidance on spending, savings, and investments. Using a proprietary Generative AI and Agentic framework, the system will facilitate autonomous interactions by processing natural language queries and executing tasks like transaction analysis and financial planning without needing structured input. This technology enhances user experience by providing personalized financial advice efficiently.

In another strategic move, Lloyds has acquired Curve, a digital wallet aimed at becoming a comprehensive financial operating system. This acquisition, valued at approximately £120 million, is expected to fast-track Curve's digital innovations, benefiting millions of Lloyds customers by integrating advanced financial management features.

Revolut has introduced a 1:1 conversion rate for stablecoin transfers, allowing users to seamlessly convert $1 into 1 USDC or USDT directly within the app. This initiative alleviates concerns about transitioning funds from cryptocurrency to fiat, promoting a smoother user experience in the evolving digital finance landscape.

Additionally, Chase Bank UK has partnered with Transport for London (TfL) as the 'Official Payment Partner,' enabling Chase customers to earn up to 1% cashback on their transport payments through contactless readers. This collaboration underlines the increasing integration of banking and everyday transactions.

Finally, the UK government has reduced the annual tax-free limit for cash Individual Savings Accounts (ISAs), a move aiming to direct household savings toward equity markets, thereby stimulating investment activity. Enhanced demand for stocks is anticipated, likely positively impacting investment platforms as well.

When Jordan Miller learned that 65 million Americans lack access to traditional credit cards or bank loans, he was motivated to tackle the financial inequality plaguing the retail banking system, especially affecting working-class consumers. With $50 million in funding from notable investors like Mark Cuban and Lyft’s co-founder Logan Green, Miller’s fintech company, Yendo, is utilizing artificial intelligence to provide innovative financial solutions and expand into digital banking.

Yendo aims to address the issues faced by the underbanked—approximately 14% of U.S. households—who often rely on expensive nonbank alternatives due to their limited access to conventional credit options. Yendo provides an alternative using the untapped equity from vehicles, enabling individuals with subprime credit scores to qualify for credit products that were previously unattainable.

Miller identified that high operational costs associated with traditional lending discourage banks from working with lower-income individuals. Yendo, however, leverages AI technology to streamline the loan application process significantly. For instance, its AI-driven computer vision system can scan applicants' car images to assess damage and validate ownership swiftly, processing security checks in just five seconds. This efficiency allows Yendo to reduce costs and offer more accessible financial products.

With plans to diversify its offerings beyond vehicle-secured credit cards into checking and savings accounts, Yendo is positioned to reshape the financial landscape for millions. Miller's vision extends to transforming banking by overcoming traditional inefficiencies through AI. Not only does Yendo aim to innovate, but it also strives to create a lasting impact on the financial opportunities available to underserved communities across the nation.

Bank of America Corp. has leveraged artificial intelligence through its CashPro Forecasting tool, benefiting over 3,000 corporate clients by saving more than 250,000 hours of manual work in cash forecasting in 2025. Traditionally reliant on manual spreadsheets, cash forecasting can consume days of effort, but this AI-driven capability automates the entire process.

Jennifer Sanctis, the CashPro product executive, emphasized the bank's commitment to technological advancement, ensuring that their AI capabilities evolve alongside market demands. The CashPro Forecasting tool utilizes machine learning to seamlessly integrate account data, analyze global cash positions, and create forecasts in minutes.

This tool enables companies to project their liquidity from one day to a year ahead while allowing for consolidated views by incorporating data from accounts across different institutions. Usage of CashPro surged during times of economic uncertainty, particularly earlier this year amid tariff developments and fluctuating interest rates, with internal forecasting workspaces increasing by 113% in the second quarter.

Winnie Chen, head of global payments solutions for Asia Pacific, noted that in today’s complex economic landscape, having advanced tools and insights is vital for quick and informed decision-making. The platform's collaborative design allows various teams to evaluate scenarios in real time, highlighting its significance to users like Sal Campo from Toyota Financial Services, who noted the intuitive design as critical for quick value realization.

Recently, Bank of America upgraded the AI model behind CashPro Forecasting, enhancing processing speed fivefold, and launched a generative AI assistant to further support client inquiries. As part of the bank's Information Reporting services, CashPro provides essential support for treasury, trade, and cross-border payment activities on a global scale.