AI and machine learning will improve Fintech in 2020. It will increase accuracy and personalization of payment, lending, and insurance services. Fintech startups believe cloud-based payments, lending, and insurance apps are must-haves to drive growth. Fintech is evolving into a fourth platform that provides embedded financial services to any business needing to subscribe to them. AI and machine learning are very effective at interpreting and recommending actions based on real-time data streams. It’s also improving customer experiences and reducing risk.