Although the financial technology (fintech) industry has always been at the forefront of innovation, 2025 will be a pivotal year in which AI-powered personalisation is not only an add-on but rather the catalyst for a revolution in the conception, provision, and use of financial products. 78% of fintech companies have incorporated AI algorithms into their main product offerings, according to a recent McKinsey analysis (April 2025). This has fuelled the development of hyper-personalized financial solutions that are tailored to the unique risk profiles, preferences, and behaviours of each consumer.
Financial services are being redefined at Evolute Group by the convergence of AI and personalisation, which makes them more user-friendly, accessible, and effective. In this article, supported by the most recent data, studies, and industry insights, we examine seven innovative ways fintech businesses are using AI and personalisation to transform financial products.
Smarter Lending with AI-Driven Credit Scoring
The days of making credit decisions only based on static financial data and traditional credit ratings are long gone. Large volumes of alternative data, including social behaviour, payment habits, geolocation, and even psychological analysis, are being analysed by dynamic credit scoring algorithms driven by AI.
In comparison to traditional lending models, fintech lenders that used AI-enhanced credit evaluations saw a 23% decrease in default rates, according to a 2025 research by the Financial Conduct Authority (FCA). This improves risk management while simultaneously expanding loan availability to previously under-represented groups.
“Technology can make finance more inclusive by understanding the individual behind the numbers,” as Jack Ma famously said. Fintech businesses are bringing that ambition to life using AI.
Hyper-Personalized Wealth Management and Robo-Advisors
The administration of personal finances is now customised rather than one-size-fits-all. These days, robo-advisors are driven by machine learning algorithms that create customized investment portfolios by continually learning from customer behaviour, market movements, and macroeconomic variables.
A Deloitte research from March 2025 states that 65% of retail investors on fintech platforms like AI-driven portfolio advice, and that satisfaction ratings have increased by 30% annually. The AI technologies provide a flexible and customized wealth management experience by taking into account risk tolerance, financial objectives, and liquidity requirements in real time.
AI-Powered Fraud Detection and Security Personalization
Having money is crucial. Fintech companies are using AI to develop adaptive, real-time fraud detection systems that learn from analytics of user behaviour, device data, and transaction patterns.
According to the 2025 Cybersecurity Ventures report, in the last year alone, AI-driven fraud protection systems have decreased fraud losses by an estimated $8.3 billion worldwide. More significantly, these systems improve user experience without sacrificing security by personalising security processes, such as by only requiring extra authentication when abnormalities are identified.
Personalized Insurance Products with AI Underwriting
AI models that dynamically underwrite policies based on individualised risk profiles generated from lifestyle data, health monitoring, and even social media cues are being used by insurance fintech businesses.
According to a 2025 Accenture research, AI-based personalised underwriting boosts client retention by 22% and cuts claim processing times by 40%. Fintech insurers provide consumers more flexibility and transparency by offering individualised coverage alternatives and rates.
Next-Gen Chatbots and Virtual Financial Assistants
Conversational interfaces powered by AI have progressed beyond straightforward frequently asked questions to proactive financial advisors. By examining previous enquiries, spending patterns, and impending financial requirements, these virtual assistants tailor interactions.
72% of fintech customers said they were more satisfied with AI-powered virtual assistants that anticipate their requirements and provide tailored financial advice, lowering their reliance on human agents and increasing productivity, according to Gartner’s 2025 Customer Experience research.
Tailored Payment Solutions and Smart Wallets
AI is transforming the management and processing of payments. AI-powered smart wallets may examine spending trends to provide dynamic credit limits, cashback incentives, and customised budgeting tools.
According to a Juniper Research report from 2025, fintech smart wallets with AI personalisation capabilities increased transaction volumes by 33% and user engagement by 45%. In order to provide seamless experiences, these intelligent payment systems also adjust to consumer preferences across several channels, including internet, contactless, and mobile.
Predictive Analytics for Financial Health and Credit Building
Predictive analytics driven by AI is being used by fintech platforms to estimate customers’ financial health and suggest tailored activities to raise credit ratings or maximise cash flow.
Within six months, 58% of customers who used AI-driven financial health products saw an average improvement of 18 points in their credit ratings, according to research published by the World Economic Forum in January 2025. These services include proactive bill payment reminders, refinance recommendations, and even savings strategies customised to each user’s spending patterns.
Evolute Fintech’s Role in Reshaping Financial Inclusion Landscape in India
Evolute Fintech is becoming a major force for change in India, where financial inclusion is still a grassroots issue and a policy goal. Evolute is assisting in closing the gap between underprivileged areas and contemporary financial services by utilising deep tech advancements and cutting-edge AI-powered personalisation.
Here’s how the company is making an impact:
1. Smart Payment Solutions
In rural and semi-urban areas, Evolute’s AI-enabled Micro-ATMs and Android Smart POS devices are enabling Business Correspondents, or last-mile banking agents, to provide necessary services including bill payment, remittances, and cash-in/cash-out. These gadgets make banking more dependable for those who are financially excluded by increasing efficiency and lowering transaction failure rates using AI-driven transaction optimisation.
2. Hyper-Personalized User Experiences
Evolute offers banks and fintech partners meaningful insights into consumer behaviour, preferences, and threats with artificial intelligence (AI) and big data analytics. This makes it possible to provide low-income or new consumers with customized product offers, including microloans or goal-based savings plans—a crucial first step in building acceptance and confidence.
3. Multilingual Voice and Chat Interfaces
Evolute is incorporating AI-powered speech and conversational interfaces into its financial gadgets and applications in recognition of India’s language variety and low literacy constraints. This improves accessibility for groups who are typically under-represented by traditional banking channels, such as first-time digital users, women in rural regions, and senior users.
Conclusion
More than just a fad, the use of AI and personalisation in fintech represents a paradigm change that is changing the way financial products are conceived and provided. Fintech businesses are achieving previously unheard-of levels of customer happiness, efficiency, and inclusion in 2025.
Hyper-personalized banking experiences are made possible by AI-powered insights, and businesses are using advanced data analytics to accurately predict consumer demands. The whole financial services industry is changing, from millennials’ individualised wealth management to AI-driven credit assessment for the underbanked.
Fintechs that adopt this astute, customer-first strategy are well-positioned to spearhead the upcoming innovation wave as regulatory frameworks change and consumer expectations increase.
Key Takeaways
- AI-powered credit rating is decreasing defaults and democratising financing.
- By providing individualised financial management, robo-advisors raise investor happiness.
- Security is frictionlessly personalised with adaptive fraud detection.
- AI underwriting improves claim efficiency and insurance personalisation.
- Proactive, individualised financial advice is offered by virtual assistants.
- Payment methods and smart wallets increase consumer convenience and engagement.
- Users may proactively enhance their financial well-being with the use of predictive analytics.
Our goal at Evolute Group is to use these fintech advancements to provide innovative solutions that benefit both consumers and enterprises. Keep an eye on us as we continue to spearhead this fascinating new financial age.
