Скачать или смотреть OpenAI Payments, Block S&P, Crypto Evolution & Market Trends

This episode of Founder Fridays delves into the dynamic world of FinTech, exploring how artificial intelligence is reshaping commerce and financial services. We look at groundbreaking developments from OpenAI's foray into payment systems within ChatGPT, setting the stage for a new era of transactional AI, to the rising prominence of agentic commerce, where AI agents seamlessly handle discovery and purchases.

The financial landscape is also seeing significant shifts, with digital payments firm Block joining the prestigious S&P 500 index, a clear signal of fintech's growing acceptance in traditional finance. Meanwhile, real-time payments are accelerating, highlighted by Stripe's acquisition of Orum, enhancing fast, intelligent money movement across various rails. Vertical fintech is experiencing a breakout phase, with AI driving expansion into underserved markets like construction and healthcare, embedding tailored financial solutions directly into industry workflows. Even niche markets like golf are seeing payment innovations from giants like Adyen, partnering to unify in-store and digital transactions.

In the realm of digital assets, the GENIUS Act has passed into law, establishing a new federal and state oversight framework for payment stablecoins. Coinbase is transforming its Wallet into the new Base app, aiming to be a comprehensive crypto 'everything app' with trading, payments, messaging, and social features. Beyond established players, new platforms like Hive Wealth are democratising the 'family office' experience, leveraging AI to help communities, particularly women and people of colour, plan for generational wealth.

However, the industry isn't without its challenges and shifts. Banking giant JPMorgan Chase is altering the fintech landscape by introducing fees for bank data access for fintech companies, a move that fundamentally changes how many fintech services operate. Despite this, large institutions like Bank of America are reporting significant productivity gains from AI, integrating hundreds of applications into their operations for enhanced internal efficiency, fraud detection, and client services. Regulatory bodies like the FDIC are also adapting, proposing inflationary adjustments to modernise benchmarks and potentially lighten regulatory burdens for smaller banks. The market is reflecting these shifts, with fintech multiples soaring to new highs for companies like Robinhood and Coinbase, even as investor attention drifts away from consumer fintech funding.