Smarter computers, algorithms and dedicated AI systems are a fintech dream. Faster decision-making and deeper learning (recognising, for example, predictors of financial turbulence) are obvious and huge boons to financial organisations. But if your investment in the world of high finance only extends as far as tapping your debit card on a reader in the supermarket, things are about to change for you, as well. The panicked phone call to the bank’s Lost and Stolen department may become a thing of the past - as will the questions from your spouse about why and how you apparently withdrew £300 from an ATM in Ukraine last night while you were sitting together rewatching Game of Thrones. And once again: that future is dictated by smarter computing, and forms of artificial intelligence that can tell you-at-home from you-in-Odessa. In fact, the technology protecting you from financial fraud might have nothing to do with traditional plastic: in the not-so-far future, you’ll carry your financial security around your neck, on your wrist, or not at all.
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