As Naskay points out in her article, AI in finance isn't only good or evil; it also improves customer experience, compliance, and credit choices while still needing human oversight. AI agents are not substitutes in the fintech industry in New York City; rather, they facilitate the development of more intelligent, equitable, and effective services. https://naskay.in/blog/ai-agents-in-fintech-customer-experience-2025/