There may be no clearer use case for AI than leveraging the technology to transform manual processes and boost operational efficiency. From cross-border payments to document management to fraud investigation to underwriting, fintech innovators have embraced AI to empower banks, credit unions, lenders, and other financial institutions to become more efficient, analyze data better, cut costs, meet compliance obligations, and provide more personalized service to their customers and members.
Beyond simply deploying AI, these fintechs in many cases represent an emerging generation of infrastructure providers that facilitate bank and credit union modernization without requiring them to “rip and replace” their existing core systems. By helping banks and credit unions meet emerging regulatory mandates, boost efficiency, and compete with rivals within and outside of financial services while keeping the cost of modernization low, these innovators are key partners for financial services firms that are eager to deploy new technologies but are wary of the risks of making too many wholesale changes at once.
In this final installment of our look at the demoing companies of FinovateFall 2026, we showcase a diverse group of fintech innovators automating processes and modernizing operations in areas such as payments infrastructure, regtech, lending, fraud prevention, wealth management, and more.
3 Degrees provides community banks and credit unions with technology to launch modern, embedded cross-border payments that enhance the customer experience and generate new revenue. The solution is available for any country, currency, rail, or payout method.
Donevia helps credit unions acquire, convert, and retain members by combining a member onboarding platform with an AI-powered backend performance layer. The solution provides a KPI dashboard to track and improve team performance and delivers AI-powered cross-sell recommendations and call transcription.
FinQub offers a no-code orchestration layer for fintech workflows and compliance, replacing disconnected vendor dashboards with a single defensible decision graph. The solution delivers decisions in seconds rather than days and makes every decision examiner-defensible for seven years.
Finzly offers a cloud-based payments platform for banks, enabling them to offer modern global transaction banking via Finzly’s real-time operating system Finzly BankOS. Easily integrated into banks’ core systems, Finzly’s technology can be used to centrally process ACH, FedWire, RTP, SWIFT, and FedNow payments.
Designed especially for credit unions, Glide is a digital account opening, lending, and onboarding platform that leverages AI for document collection and member intelligence. The solution offers embedded identity verification, fraud detection, and instant funding.
Go Abacus’ Go.AI is an on-prem AI platform for financial institutions that delivers private large language models, secure data indexing, and auditable AI assistants built for regulatory environments. The solution offers permission-aware outputs with full response control over what the AI is saying, with all outputs aligned to regulatory requirements.
Kato offers compliance-first automation that helps lenders scale, reduce servicing costs by up to 80%, increase recoveries, and free up agents so they can focus on higher-value issues. Lenders use Kato to automate thousands of calls, producing a 15x ROI on recoveries and an 80% reduction in cost per call.
MHC specializes in providing AI-powered SaaS solutions for document and payment automation in highly regulated industries. The company offers end-to-end customer communications workflows that integrate with any system, as well as low-code/no-code software that empowers business users.
Mobena is an integrated income tax, estate planning, and wealth management platform built for complex families. The technology models income tax for an entire family over any period of time, calculates income tax at a CPA level, and accurately models grantor and non-grantor trusts.
Financial institutions leverage Naehas’ platform to manage offers, automate disclosures, and review marketing content at enterprise scale to ensure regulatory compliance. The platform creates governed campaigns in minutes rather than months, binds each offer to approved disclosures at creation, and tracks every customer action with real-time fulfillment.
Neural Payments’ Payments Hub connects banks and credit unions to every major payment rail and wallet in the US via a single, fully branded integration. The solution delivers adaptive routing and fraud controls and offers branded P2P and FedNow functionality in-app. Institutions can go live with the technology in 90 days.
On Time Harvest is a SaaS financial management platform and mobile app that helps individuals, families, and small businesses secure real-time cash-flow visibility, forecast discretionary income, manage shared finances, and make smarter financial decisions. The platform provides lending readiness, shared dashboards, and responsible BNPL planning.
SLC Digital helps organizations prevent account takeover and high-risk digital fraud through the most secure and private communication channel available for digital authentication. The company provides identity theft and fraud prevention and supports continuous regulatory compliance, while lowering operational costs, and increasing customer trust.
Tacnode is a Context Lake: a single database that provides every AI agent and service with the same live, semantic context to ensure the accuracy of real-time financial decisions. The company’s Context Lake platform unifies transactional and analytical workflows in a single system, combining real-time performance, PostgreSQL compatibility, and cloud-native scalability.
Transvision Solutions’ STAR AI is an autonomous AML investigation engine that runs 150+ intelligent checks to provide a complete, auditable investigation in less than five minutes. The solution delivers end-to-end autonomous investigations across KYC, sanctions, transactions, UBO, as well as ML risk scoring with explainability and LLM-generated SAR narratives.
Valcori Workmate unifies workflows, data, and teams to reduce friction, increase transparency, and unlock efficient, scalable growth for independent wealth management firms. The company offers AI-driven tools that boost efficiency and simplify the daily demands of running a wealth management business via intelligent, collaborative technology.
Vertyx leverages headless AI to enable financial institutions and lenders to remain engaged with homeowners beyond the close of the loan. The company’s platform also automates servicing workflows, lowering service costs and features AI-powered quality control and compliance monitoring that covers the entire portfolio.
Why banks and credit unions should care
For some time, the biggest challenges to bank, credit union, and lender technology modernization were cost, complexity, and risk. These remain reasonable concerns. Major core platform overhauls are expensive, as are enabling new technologies like AI, and trying to integrate AI tools into current operations can seem like an overwhelming task, especially if the right technical talent is not on hand.
Fortunately, fintechs today are capable of responding to these challenges with solutions that automate manual processes to cut costs overall, as well as new, modular AI-enabled tools that do not require major “rip and replace” operations. A number of these innovators also offer professional services on an ongoing basis to ensure that implementations stay on track and new technology deployments do exactly what they are designed to do. Increasingly, for banks, credit unions, lenders, and other financial services providers, the question is not whether to modernize, but how to find the modernization partners that are the best fits for the institution’s goals.
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