The Fintech AI Moves That Matter in 2026

AI in fintech has moved past experimentation. It’s now driving real operational change. From faster credit decisions to automated compliance and fraud detection, leading financial teams are using AI to scale without losing control.

In our latest post, we break down 8 AI trends shaping fintech in 2026, including:

• Agentic workflows replacing manual, step-by-step processes

• Decision intelligence improving risk, underwriting, and compliance

• Conversational AI becoming a frontline channel for service and ops

• Automation shifting from task-level to end-to-end ownership

Why it matters: The competitive edge isn’t just adopting AI, it’s deploying it safely, explainably, and inside real financial workflows.

This Week: Mortgage AI From an Operator’s Perspective ft. Jason Harris

How do lenders stay competitive when mortgage margins keep shrinking?

What happens when agentic AI quietly takes over the most repetitive work, without trying to automate everything at once?

Jason Harris, Strategic Initiatives Manager at American Portfolio Mortgage, shares how agentic AI is automating mortgage operations by offloading low-risk workflows, scaling capacity, and helping lenders compete without constant hiring and layoffs.

We covered:

• Why mortgage lending has become a commodity business

• Where AI agents deliver immediate value in stable, repeatable workflows

• How automating 80% of the work creates massive operational leverage

• Why agentic AI helps lenders scale without cyclical hiring and firing

• Jason’s belief that AI should work in the background, not replace human judgment

Happy Holidays From the Multimodal Team!

As the year closes, we're grateful for you: our listeners, clients, and community. Your curiosity and partnership shape everything we do around agentic AI, automation, and the future of work in highly regulated industries.

Thank you for building with us. Wishing you a joyful holiday, a restful break, and a successful 2026.

Merry Christmas and Happy Holidays from the Multimodal team.