Future of Fintech: AI, Compliance, and Charters

In this webinar recording, Crowe specialists examine what recent AI governance, technology-enabled compliance, and evolving fintech business model trends mean for the financial services industry.

Banks and fintechs today need evidence-based AI governance, compliance automation that leaves key decisions with people, and a clear view of the long-term commitments that come with a bank charter In this latest Future of Fintech series webinar recording, Crowe specialists explain how to responsibly govern AI, use technology to automate consumer compliance, and decide whether to build, buy, or partner for a bank charter.

Webinar topics

AI governance for banks and fintechs: Explain it, control it, prove it (3:25) Regulators are paying closer attention when AI touches consumers in underwriting, servicing, collections, or chatbots, especially on fair lending, unfair or deceptive practices, and adverse action notices. Specialists offer insight on how to tier AI uses by risk, govern AI spending alongside AI risk, apply controls across the AI life cycle, and follow a practical 90-day plan to produce evidence that regulators and bank partners will accept.

Compliance automation: Closing the technology gap in consumer protection (29:59) Anti-money laundering and fraud teams have used compliance technology for years, but consumer compliance has fallen behind. That's because it depends on unstructured inputs such as complaints, disclosures, and marketing content. Crowe specialists discuss how AI, automated workflows, and regulatory technology can speed up marketing review, fintech partner due diligence, and continuous compliance monitoring and testing, all with a clear audit trail. They also explain why compliance professionals must keep ownership of key decisions and keep customer outcomes at the center.

Fintech bank charters: Build, buy, or partner? (1:02:43) Fintechs can apply for a new (de novo) charter, buy an existing bank, or convert an existing institution. Each route brings different benefits, costs, and regulatory obligations. Our specialists offer insight on what regulators expect at each stage, how approval conditions affect the business model, and how to decide whether owning a bank is worth the ongoing operating commitment.

Note: Only attendees of the live webinar are eligible for CPE or CLE credit for qualifying webinars. If you view the webinar recording on this page you may not be eligible for CPE or CLE. For questions about CPE, contact [email protected].

Additional CPE information