Maya Patel
Senior Fintech Analyst at AIFI
Maya covers AI adoption in banking, payments, and lending. Before joining AIFI as an analyst, she spent six years at a global consulting firm advising retail banks on technology strategy. She holds an MBA from Columbia Business School and writes about how machine learning changes the way money moves.
Articles by Maya Patel(8)
ESG Scoring and AI: Can Machine Learning Fix Sustainability Ratings?
The same company can receive an ESG score of 65 from one provider and 30 from another. This ratings divergence problem has made ESG data unreliable for investors. A growing number of startups think ML and NLP can close the gap.
Robo-Advisors in 2025: The Second Wave of Automated Wealth Management
The first generation of robo-advisors automated portfolio allocation and tax-loss harvesting. Ten years later, the category has $500 billion in AUM and is evolving in directions the original founders didn't anticipate.
Document AI in Financial Services: How Machines Read the Paperwork
A single mortgage application involves roughly 500 pages of documents. Until recently, humans read all of them. The companies building document intelligence for finance are now processing billions of pages per year.
AI-Powered Neobanks: How Revolut, Nubank, and Monzo Use Machine Learning
The largest digital banks now serve over 300 million customers combined. Their competitive edge isn't the app interface; it's the ML infrastructure underneath it.
DeFi Risk Management: How AI Protects On-Chain Capital
Most DeFi losses come from economic design flaws, not code bugs. AI simulation platforms model millions of market scenarios to set protocol parameters that prevent catastrophic failures.
The AI CFO Stack: How Machine Learning Is Automating Enterprise Finance
Enterprise finance is the largest segment in the AIFI directory with 75 companies and $9.1 billion in funding. From AP automation to cash forecasting, here is how the CFO stack is being rebuilt.
Embedded Lending in 2025: How AI Enables Instant Credit at Checkout
When a consumer clicks 'Pay in 4,' the AI underwriting decision happens in under 200 milliseconds. From BNPL to B2B invoice financing, embedded lending is rewriting how credit gets distributed.
AI Credit Scoring in 2025: How Alternative Data Is Replacing FICO
Roughly 45 million Americans have no credit score at all. Machine learning models that ingest cash flow, rent payments, and employment data are changing how lenders evaluate creditworthiness.