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AI, Data, and Innovation in Modern Fintech

This panel discussion was recorded at the Thailand Fintech Festival, one of Southeast Asia’s leading gatherings for financial services, technology, and innovation leaders. The session explores how artificial intelligence and machine learning are reshaping fintech and financial services, moving beyond hype to real-world applications. Panelists discuss practical use cases of generative AI, AI-driven lending and underwriting, alternative data, financial inclusion, collaboration between fintechs and banks, and the growing importance of governance, ethics, and regulation. The discussion is moderated by Pedro Uria-Recio, fintech executive and AI leader in Asia. Speakers featured in this panel: Pedro Uria-Recio, Moderator Daniel Minarik, Chief Data and Innovation Officer, Tatra banka Anil Pinapala, Founder and CEO, FlexPay David Pan, Head of KYC, Fraud and Payments Risk, ADVANCE.AI Rosalia Gitau, CEO, Bixie Mirko Twardy, Managing Director, Gläve + Partner GmbH 00:00 Introduction and panel context 03:00 Practical Generative AI use cases in fintech 08:00 Customer-facing vs internal AI applications 15:00 AI in lending and underwriting 20:00 Alternative data and financial inclusion 30:00 Fintech and bank collaboration models 37:00 Innovation dynamics and ecosystem partnerships 45:00 AI risks, ethics, and regulation 52:00 Discussion on a potential AI winter 58:00 Closing remarks