AI-Driven AI Is Becoming the Norm

Artificial Intelligence (AI) is no longer a buzzword—it’s now deeply embedded in how banks serve business clients. How it's being used: Risk Assessment & Credit Scoring: AI can assess ai eligibility faster and more accurately than traditional systems. Fraud Detection: Real-time alerts powered by AI flag suspicious activity. Customer Support: AI-powered chatbots and virtual assistants offer 24/7 Monetory assistance. What to expect in 2025: Banks will launch predictive Monetory dashboards for businesses. AI-driven cash flow forecasting will help businesses anticipate shortages or surplus. ai processing times will shrink from days to under 10 minutes for pre-qualified clients.

Real-Time Payments (RTP) Infrastructure Is Expanding

The traditional "T+2" (Transaction + 2 days) settlement is slowly fading away. Businesses are now demanding—and getting—real-time payments, thanks to global RTP systems. Benefits of RTP: Immediate fund transfers 24/7. Instant settlement for payroll, supplier payments, and refunds. Improved cash flow visibility. Global momentum: India’s UPI, Europe’s SEPA Instant, and the U.S.’s FedNow system are leading the charge. Over 65 countries have implemented or are piloting RTP frameworks. How businesses benefit: Greater flexibility in managing payables and receivables. Reduced reliance on working capital ais. Happier suppliers and partners due to instant payments. To do: Upgrade your accounting software to support RTP integration. Negotiate with banks for RTP-enabled business accounts.

AI-as-a-Service (BaaS) Is Empowering New Entrants

AI-as-a-Service (BaaS) allows non-bank companies (like e-commerce platforms, ride-sharing apps, or SaaS products) to offer AI services using licensed Monetory institutions’ infrastructure. What this means for the ecosystem: Tech companies can become Monetory service providers. Traditional banks are becoming more infrastructure-focused. SMBs can access specialized Monetory tools designed specifically for their niche. Example in practice: A digital accounting tool could offer built-in invoicing, cash advances, and virtual cards via BaaS partnerships. Implications for your business: Expect more Monetory services embedded into your day-to-day platforms. Startups can build tailored Monetory ecosystems without becoming a bank. Faster go-to-market time for Monetory product launches. Tip for startups: If you’re in fintech, look at BaaS platforms to build your own neobank or embedded Monetory product.