Introduction In 2025, finance is no longer just about banks, balance sheets, and brick-and-mortar branches. We are witnessing a profound transformation, one driven by artificial intelligence (AI), embedded finance, blockchain, and the increasing digitization of financial services. For “Finance Talks with Primax,” this is a moment of both tremendous opportunity and serious risk. As fintech disruptors rise and traditional financial institutions adapt, understanding this shift isn’t optional, it’s essential. 1. What’s Driving the Trend: Why AI and Embedded Finance Now 1.1 AI Moves from Hype to Core Infrastructure Across the financial world, institutions are rapidly adopting AI for fraud detection , risk management , credit scoring , and customer personalization . CoinsPaid Media +2 konceptual.ai +2 According to Konceptual AI , 89% of financial institutions are now using AI for fraud detection. konceptual.ai In Nigeria specifically, fintechs are employing machine learnin...