The future of finance is all about artificial intelligence.

We are now in the midst of a major revolution in the way we do banking, investing, lending and even managing our personal finances. Our world is being transformed by innovation in areas like mobile payments, e transfer payday loans, digital banking, and robo advisors.

Yes. Even the payday loan industry is getting a facelift to their already streamlined process of approving loan applications. A.I integration with this lending industry could mean full automation.

Let’s have a look at some of the leaders in this pack.


Kabbage is a leading provider of business loans to small and medium-sized businesses.

The company provides a full suite of lending products, including lines of credit, term loans, invoice financing and working capital solutions. They are basically making it easier for businesses to lend money. A very promising new technology for sure. It’s only a matter of time that they break into online payday loans as well.

Kabbage has been recognized as one of the fastest growing companies in America by Forbes Magazine, and has been featured in several top publications such as The Wall Street Journal. 

For its innovative approach to small business lending.

This A.I finance startup was founded in 2008 and is headquartered in Atlanta, Georgia. They literally have billions in funding.


Affirm is a personal loan company that provides personal loans to people with good credit. The company started in 2012 and has grown exponentially since then.

This is a company that wants to change the way people interact with their finances. The start-up enables its users to make smarter decisions about their money, by providing them with personalized recommendations on how they can save more, spend less, and pay off debt faster.

As of September 2018, the company has raised more than $1 billion in funding from some of the world’s most prominent investors including Benchmark Capital Partners, DST Global, Founders Fund, Tiger Global Management LLC and many others.

Affirm also has partnerships with major retailers including Inc., Best Buy Co., Inc., Target Corporation and Walmart Inc.


Kreditech is a German company that provides online loans and credit services.

The company was founded in 2012 by Sebastian Diemer, Philip Eytan, and Alexander Graubner-Müller.

Kreditech offers credit to those who would otherwise not qualify for a loan from traditional banks. They use an algorithm to assess the customer’s credit worthiness, and offer them a loan with an interest rate of around 20%. The customers can then repay the loan on their own or through Kreditech’s automated payment system.

The company has seen rapid growth in the last few years and is now on track to become Germany’s largest online lender by 2020.

Zest Finance

ZestFinance is a lending company that uses machine learning to make loans.

ZestFinance is an online lending company that uses machine learning to make loans, and it’s one of the first companies to use AI on a large scale. It analyzes data about potential borrowers and determines their creditworthiness by looking at things like income, education, and job history.

The company was founded in 2007 by Douglas Merrill and John Paulson. Who had both come from technology backgrounds. It started as a site for people with no credit history or with bad credit to get loans from private investors but has since made the shift toward using algorithms to assess risk.

In 2009 Merrill left ZestFinance for Google where he helped launch Google Wallet, but he returned as CEO in 2015 when the company was up looking for leadership.


Afiniti is a Boston-based software company that provides AI solutions to enterprises. Afiniti was founded in 2009 by three Massachusetts Institute of Technology (MIT) graduates, and has since grown to over 200 employees. Afiniti’s software uses artificial intelligence (AI) to automate tasks like financial analysis, credit card fraud detection, and customer service for companies like GE Capital, Citigroup, and MasterCard.

Afiniti is an AI company that specializes in the automation of tasks that are repetitive or difficult for humans. The company was founded in 2009 by three MIT graduates who wanted to use their skills in artificial intelligence (AI) to make the world a better place.


Upstart is a company that helps people to start their own businesses.

It provides loans and mentoring to those who have the potential but lack the necessary funds for starting a business of their own.

Upstart has been able to raise over $150 million in investments and has helped more than 10,000 people start their own business.

The company was founded in 2012 by Dave Girouard, Paul Gu, and Anna Kaziunas France.

Dave Girouard was previously the president of Google Enterprise and Paul Gu was previously the CEO of SuccessFactors Inc.

Anna Kaziunas France is an entrepreneur with experience as a management consultant at McKinsey & Company.

The three co-founders had envisioned Upstart as an alternative to student loans.

Future Looks Bright

Finance is a great field to work in. It is a field that is always growing and evolving. The world needs finance, and finance needs the world.

With the increasingly rapid growth of technology, there are more opportunities for people who have a passion for finance to work in this industry. Plus with A.I in the mix, there are no limits.