The art of creating machines that perform functions that require intelligence when performed by humans” (Kurzweil) is called Artificial Intelligence. Involves cognitive modeling – we have to determine how humans think in a literal sense (explain the inner workings of the human mind, which requires experimental inspection or psychological testing).

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In recent years, the explosion of data, inexpensive computing power, and developments in big data processing infrastructure has led to increased use of Machine Learning in all industries. So, financial services incumbents, as well as FinTech startups, are using Machine Learning and Data Science to improve business economics and maintain/create their competitive advantage. Since data volume is only expected to increase in this digital world, Machine Learning and Artificial Intelligence are expected to get ubiquitous in the coming years with a wide range of implications for FinServ and FinTech companies.

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