Neural Ledger

Artificial intelligence is no longer an experiment in financial services — it is the operating system of modern finance. From Wall Street to mobile money platforms in emerging markets, AI now sits inside the core decision-making engines of banks, fintech startups, payment processors, and investment firms. It approves loans in seconds, detects fraud before it happens, monitors compliance across millions of transactions, and manages portfolios faster and more accurately than any human team could. Applications and Trends in Fintech takes readers deep inside this transformation. It traces how advances in machine learning, large language models, and real-time analytics have shifted finance from slow, rules-based systems to adaptive, always-on intelligence. The book examines the structural changes driving this shift — from massive improvements in data infrastructure and GPU computing to the rise of alternative data and explainable AI. Inside, you'll explore: How AI-powered compliance and fraud detection stop illicit transactions in milliseconds while reducing false positives. The evolution of predictive credit scoring that brings millions of "invisible" borrowers into the financial system — and the transparency challenges it creates. The rise of conversational AI in customer service and wealth management, delivering personalized advice at scale while navigating bias, privacy, and security. The regulatory, ethical, and governance frameworks required to deploy AI responsibly in a high-stakes, high-speed industry. Through real-world case studies, industry research, and analysis of both the opportunities and risks, Applications and Trends in Fintech offers a clear view of where AI is taking the financial sector — and what institutions must do to thrive in this algorithm-driven reality. Whether you are a finance professional, technology leader, policymaker, or simply curious about the future of money, this book delivers the insights needed to understand and navigate one of the fastest and most consequential technological shifts of our time.