From catching fraud in milliseconds to approving loans in minutes, AI is rewriting the rules of finance. In 2025, it’s no longer a side project—it’s the backbone of how money moves, risks are managed, and clients are served. Here are four examples you can’t ignore.
1. Smart Virtual Assistants & Document Helpers
What it is: AI tools that help employees by summarizing papers, giving quick insights, or writing drafts.
Real example:
Goldman Sachs launched the GS AI Assistant, a generative-AI helper for about 10,000 employees. It helps with document summaries, drafting content, and data analysis—making work much faster.
Why it matters: Frees humans to focus on strategy, not routine writing.
2. AI-Driven Fraud Detection & Transaction Monitoring
What it is: AI watches transactions in real time to spot fraud or weird activity fast.
Real examples:
- Mastercard scans 160 billion transactions a year, giving risk scores in just 50 milliseconds.
- PayPal cut fraud losses by 20% and false alarms by 30% using AI.
Why it matters: Stops fraud early, keeps customers safe, and builds trust.
3. Automated Loan Approvals & Credit Decisions
What it is: AI helps make smarter decisions about who gets a loan—using not only credit scores but also other data like behavior and spending.
Real examples:
- Zest AI gives more people access to loans while lowering risk.
- Upstart approves 44% more borrowers than traditional credit systems by adding job and education data.
Why it matters: Makes lending fairer and faster, reaching people who were excluded before.
4. Generative AI Content & Video Helpers for Clients
What it is: AI creates videos or reports so clients and staff can get info in an engaging way.
Real example:
UBS uses AI avatars of its analysts to deliver research via video. It plans to produce 5,000 avatar videos per year using OpenAI + Synthesia.
Why it matters: Clients get clear, modern updates—and analysts save time.