AI AND HUMANS: OPPORTUNITIES TO WORK TOGETHER

benefits

IT solutions

May 14, 2024|6 min read

As AI keeps its place on top of innovative solutions, our team wondered how it could benefit human workers, instead of substituting the workforce. Industry professionals have long recognized the value of human interactions, especially in the wake of the COVID-19 pandemic. Yet, as technology continues to advance, the debate over the opportunities and threats posed by AI intensifies.

If we look at AI and humans from a collaborative point of view, it’s important to look at the skills that differentiate them and make each unique. For example, Gen AI systems can process and analyze enormous volumes of data, spot patterns, and produce insights. Still, human judgment, ethics, and contextual awareness are what direct these behaviors in the right way. With such an interaction, any problem is nothing more than a challenge.

So let us look at three ideas of the collaboration between AI and the human race.

Customer service and communication

AI-powered chatbots and virtual assistants can handle routine customer inquiries, such as tracking shipments and providing order updates, freeing up human agents to focus on more complex issues and personalized interactions. Humans bring empathy and emotional intelligence to customer interactions, enhancing the overall customer experience.

Data analysis and decision-making

As it was mentioned before, AI excels at processing vast amounts of data to identify patterns and trends. By leveraging AI analytics, logistics professionals can make informed decisions regarding inventory levels, demand forecasting, and resource allocation. And that’s when the human workers jump in, interpreting AI-generated insights and applying them strategically within the context of the business.

Risk management and compliance

As AI algorithms analyze both historical data and current events, they can pinpoint potential risks within the supply chain. These risks can range from delays and disruptions to compliance issues with regulatory standards. While AI excels at detecting these risks, human experts are indispensable in assessing their severity and devising effective contingency plans. These experts bring a depth of knowledge and experience to the table, allowing them to anticipate and mitigate risks in a way that AI alone cannot. Moreover, human expertise is essential for ensuring compliance with regulatory requirements and standards.

And what we are all here for…

Connection

Our team has found a real-life example of how AI can benefit communication and connection among workers. The recent Tenstreet User Conference held in Las Vegas served as a microcosm of this ongoing discussion. The event, now in its 6th year, provided a platform for industry education, unveiling new features, and fostering relationships with customers.

It was there that Tenstreet unveiled new features aimed at upgrading the connection between carriers and drivers. Central to these developments is the integration of generative AI technologies, designed to streamline communication and empower both parties.

By asking AI to handle routine tasks such as answering FAQs, carriers can allocate human resources to more meaningful interactions. According to Tim Crawford, the goal is not to replace human interaction but to improve it.

"We wanted the technology to be like an escalator," Crawford explained. "Escalators never really break; they just turn into stairs," highlighting the role of AI as a facilitator rather than a barrier to human connection.

Drivers are drawn to carriers that value personal connections. In a time of rapid digitalization, being human stands out among automation. Successful carriers understand this and use technology to strengthen relationships, not weaken them.

Conclusion

As AI continues to evolve, so too must our understanding of its role in society. Cooperation and balance hold the key to new possibilities, especially in the logistics industry where human touch remains important. By considering AI as a tool for empowerment rather than displacement, we can move towards a future where the sky is the limit.

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Intelligent process automation for businesses15 min read

automation

AI development

Intelligence process automation (IPA) is confidently becoming an element of strategy for growth-driven companies in 2025. Businesses can take advantage of intelligent process automation services that include AI and business automation. Several years earlier, rule-based scripts and robotic process automation (RPA) were considered innovations. They handled the repetitive and predictable tasks, which were helpful for productive teams, but still, limited features were available. Today, we are facing more and more changes: intelligent business process automation is spreading in the day-to-day activities of successful companies. It’s a combination of RPA with machine learning, natural language processing, and computer vision. All these elements bring even more features. Software can execute tasks successfully early and also learn, adapt, and collaborate with humans. The IPA services help to cut operational costs and unlock new ways to innovate. Read further to explore how we’re moving from automation to intelligence and how it can be applied in your business. What Is Intelligent Process Automation (IPA/IA)? Intelligent process automation (IPA) is where artificial intelligence and process automation converge. IPA uses technologies like machine learning (ML), natural language processing (NLP), computer vision, and robotic process automation (RPA) to automate processes that once required human judgment or relied on rule-based scripts. In practice, intelligent business process automation can become a digital assistant that can read a messy invoice, understand its contents, and decide where it belongs in your workflow. Years earlier, such an assistant, which was classic RPA, could only copy and paste data between systems. That’s why IPA for business activities can change how scaleups and enterprises approach efficiency and growth. 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Fintech payment trends in 2025 shaping innovation20 min read

IT solutions

tips

fintech

payments

Get more knowledge in the tech industry. Powerful fintech trends in payments bring innovations in embedded finance, AI, and blockchain, and empower companies to scale uniquely and with novelty. Current Fintech Trends in Payments The landscape of payment tendencies in 2025 is driven by technology advancements and regulatory changes. Customers are changing their expectations, and now experiences that were an advantage before are the basis. The primary novelty driving changes is AI, which powers personalised financial services. Other trends like blockchain or embedded finance are making payments as secure and easy as ever. Startups and established financial institutions are pushed by the consumers’ demands for instant, frictionless, and secure transactions. That’s why many executives are approaching to rethink their models and invest in scalable solutions that are aligned with trends. Tech Forces Shaping the Shift At the core of this transformation are the technologies converging to reshape payments. The aforementioned AI is now multifunctional. It drives fraud detection, automates credit decisions, and delivers predictive, personalised offers at scale. The Internet of Things is embedding payments into wearables, connected cars, and other unexpected solutions to make transactions secure and invisible. Together, these forces are enabling entirely new business models and redefining how value is exchanged in the digital economy. Key Payments Fintech Trends Payment innovation is fully reshaping the rules of FinTech that we are used to. The following trends are revealing where the industry is heading next. Embedded finance Embedded finance is predicted to become a $7.2 trillion opportunity by 2030, according to the analysis by Dealroom. Generally, it has changed how financial services are delivered and consumed. Instead of directing customers to a bank or payment provider, businesses are now integrating financial products directly into their own platforms. These include e-commerce checkout, Saas dashboards, and more solutions. In 2025, we’re seeing how credit, insurance, savings, and even investment products are connected to non-financial experiences. For B2B and B2C, these changes bring a significant impact. Software vendors can embed payment gateways directly into the tools, offer instant merchant loans, and provide BNPL (Buy Now, Pay Later) without sending customers elsewhere. The value here lies in deepening customer relationships, unlocking new revenue streams, and removing barriers between decision-making and transactions. Open banking Open banking adoption is also accelerating. 2025 becomes an era when it stopped being interesting and moved to companies’ essentials. Open banking lets consumers and businesses access better rates, faster credit approvals, and more personalised financial tools. The solutions are enabled with secure API-based sharing of financial data, so users don’t have to switch primary institutions. For fintechs and forward-thinking banks, the opportunity can mean richer datasets to improve lending decisions and deliver tailored, integrated financial experiences. Real-time expense analytics can be embedded into your business account. Meanwhile, e-commerce checkouts can pre-approve instalment payments based on live account data. Little of open banking’s full potential is realised today. But competitive pressure and regulatory alignment are pushing for faster adoption. In the hands of agile players, it’s a path to boosting trust and creating ecosystems where financial services feel truly on-demand. Artificial intelligence and machine learning AI in fintech has moved far beyond chatbots. In 2025, we’re already seeing AI and ML become the core for most operations like decision-making, fraud prevention, and personalisation. Competitive fintech companies on the market are using AI more deeply. It predicts behaviour, detects anomalies before they become risks, and offers financial recommendations for them. AI-advisors adapt investment strategies in real time and give new ways to scale. ML-powered fraud detection is particularly impactful. They increase fraud interception rates by triple digits. Modern systems retain context, so digital assistants can bring continuity across interactions, building trust and engagement over time. Today, for leaders in fintech, e-commerce, and SaaS, the strategic question of whether to adopt AI is not relevant anymore. Now the issue is how quickly you can integrate it across the value chain. Central bank digital currencies (CBDCs) Central banks tend to modernise money as well, so CBDCs are moving to real-world pilots. China is scaling its e-CNY trials, the EU is advancing the digital euro, and the U.S. is deep into research mode. The goal of these launches is to make payments faster, cheaper, and more transparent. Central bank digital currencies are built on blockchain and distributed ledger technology. CBDS appeals to fintech institutions because it can help complete multiple tasks. These include real-time settlement, fraud prevention, and reduced reliance on intermediaries for cross-border trade. They can also extend financial access to unbanked populations through cyber wallet-based solutions. The only challenge for central banks here is to stay innovative and secure at the same time. CBDCs have to complement existing systems and focus on privacy, stability, and monetary policy impact. RegTech (Regulatory Technology) RegTech uses automation, advanced analytics, and AI to help fintechs, banks, and payment providers monitor compliance continuously. These entities can now detect anomalies early and respond before fines or reputational damage occur. RegTech solutions reduce human errors and make solutions less complex. It automates KYC/AML checks and flags suspicious activity, which leads to improved PCI compliance. Recent non-compliance cases have cost institutions tens of millions in penalties — a problem that RegTech can easily resolve. Firms are expected to embed compliance into payment gateways, lending platforms, and cross-border transaction systems. With it, regulatory adherence can become an advantage rather than a difficulty. DeFi (Decentralized Finance) & DLT (Distributed Ledger Technology) DeFi has once been a niche crypto experiment, and now it’s a parallel financial ecosystem. This year, traditional intermediaries have become challenging. Decentralised exchanges, lending protocols, and payment applications built on DLT have emerged instead. These options present faster, programmable, and borderless alternatives. DLT can bring a transparent ledger maintained across multiple nodes to the companies. Such a foundation enables DeFi services to run on self-executing smart contracts that remove middlemen and generally lower costs. Interoperability between blockchains is expanding. This allows assets and data to flow seamlessly across networks. Blockchain In 2025, blockchain will be a core infrastructure in global payments. The market is projected to grow with players like Visa, Mastercard, and PayPal already integrating blockchain-based payment rails. The distributed ledger eliminates friction in cross-border transfer. It replaces multi-day, high-fee transactions, which are now almost instant and secure. Every transaction is stored in a tamper-resistant block, verified by network consensus, which makes fraud nearly impossible. Blockchain’s value lies in speed, transparency, and resilience. These qualities are critical for scaling globally and for those who want to lead the market with innovations. Stablecoins Stablecoins are the solution that lies between traditional finance and crypto assets. The most outstanding benefit is that it combines the best features of two of these. Stablecoins are pegged to fiat currencies or commodities like gold. They can get you the borderless speed of blockchain without the price swings like with Bitcoin or Ethereum. The stability features are the reason why stablecoins are ideal for remittances, cross-border commerce, and everyday transactions. It’s especially beneficial in markets where local currencies are unstable. Now stablecoins are moving deeper into regulated territory. Institutional adoption is rising. Banks, payment gateways, and e-commerce platforms are gradually embedding stablecoin into their services. They serve as a reliable value store and a settlement medium. This opens the opportunity for more inclusive, efficient, and global financial flows. BNPL (Buy Now Pay Later) BNPL will power $576 billion in transactions by 2026, as GlobalData states. It was first just a retail convenience, which started in e-commerce. In 2025, it expanded into travel, healthcare, and even automotive. These innovations provide customers with more flexible payment options without the traditional credit card model. From the side of the provider, the main goal is to refine the user experience. BNPL helps simplify the flows in the app, set transparent repayment terms, and personalise offers based on customer behaviour. The technology also integrates into the broader fintech stack: accessible via banking apps, e-wallets, and embedded directly into payment gateways. There are two strategic advantages for businesses. Firstly, it can boost sales conversion rate, and the next benefit is improving the customer’s loyalty. We believe that BNPL will soon become the base component of fintech trends in payments. Payment gateways Payment gateways are something that may not sound that innovative, yet they have also become critical for businesses in 2025. The rise of digital commerce and the demand for frictionless payment experiences fuel the market that keeps growing. A payment gateway acts as the secure bridge between customers and merchants. They manage bank-to-bank transactions, currency conversion, and compliance. What directly benefits both sides (customers and businesses) — payment gateways prevent fraud. For fintech startups, e-commerce, and scaling SaaS platforms, payment gateway development services now focus on simplicity and consolidation. Founders in 2025 seek API-driven solutions that handle both local payouts and multi-currency settlements. Modern payment gateways complete all these functions. Thus, leaders don’t have to put multiple providers together because the solution is unified and versatile. Leaders like Payoneer have demonstrated the power of partnering with multiple banks and marketplaces to create a truly global reach. In 2025, the competitive edge is owning your payment stack: one integration, multi-region coverage, real-time analytics, and the flexibility to adapt to regulatory environments. Smart contracts Smart contracts have come a long way from blockchain novelty to a powerful fintech tool that automates agreements. These self-executing contracts are designed with cryptographic code. They reduce transaction time to minutes and remove the need for intermediaries like banks or notaries. Smart contracts are integrating with DeFi-powered lending, mortgage origination, and embedded financial services. Customers can secure a home loan, and the system will automatically approve the funds. The terms on-chain stay encoded and can be verified without human intervention. The strength of smart contract technology is the standardisation. You can build frameworks and APIs that allow different industries to plug in smart contracts, and you don’t need to hire developers to build from scratch. As regulatory clarity improves, especially in finance and real estate, expect adoption to accelerate. The rise is driven by cost savings and customer expectations for instant agreements. Biometric authentication Security and convenience are converging through biometric authentication. Most users prefer biometric over password-based login. This is the reason why fintech leaders are embedding fingerprint, face, and voice recognition into their core authentication flows. According to Statista, biometrics was the most preferred security authentication method to sign in to online accounts, apps, and smart devices in 2024. Biometrics can fulfil both goals: trust and usability. This is especially relevant for mobile-first neobanks, trading apps, and high-value transaction platforms. Biometric systems are now very hard to overcome owing to the advances in liveness detection, motion analysis, and spoof prevention. For startups, the winning approach is multi-modal biometrics that offer fingerprint, voice, and behavioural patterns. Thus, the users get and see layered security that still doesn’t slow their journey. Green banking Over half of global consumers now actively seek financial providers committed to environmental impact reduction. In response, green banking initiatives like carbon-neutral payment cards or eco-friendly lending criteria are emerging. Digital-first banking and payment solutions already have a smaller carbon footprint than traditional cash and card systems. But in 2025, leaders are going further and investing in renewable-powered data centres and embedding carbon offset tools directly into payment flows. Today, green banking is more like an additional benefit, a differentiator. But even now, sustainability will be a key decision factor for investors and customers. That means that fintechs that authentically integrate green principles into their operations and products will enjoy stronger brand loyalty. Neobanking Neobanks are digital-only banks that have increased customer expectations around speed, cost, and accessibility. The number of competitors on the market is high in 2025, and that is why service depth means a lot today. Outstanding providers don’t conduct account opening, early direct deposit, and zero-fee structures anymore. Instead, the users get embedded budgeting tools, integrated investing, and cross-border payment capabilities. For scaling fintech companies, neobanks can become an option for providing high-value services without physical infrastructure. Robo-advisors In 2025, Robo-advisors are personalised, AI-driven wealth managers. They are powered by advanced data analytics and can assess market changes in real time. Strategies are adapted instantly, and users get investment recommendations at every income level. Robo-advisors are being embedded directly into banking apps, payroll systems, and even e-commerce platforms. That encourages the customers to try them out where they already transact. For first-time investors, the appeal is low-cost, low-barrier access to financial growth. Robo-advisors present the ability to run parallel strategies with no need for manual management. The next wave will focus on holistic financial wellness, like integrating tax optimisation, retirement planning, and ESG portfolio options. That’s why tendencies show that robo-advisors are an indispensable part of the modern fintech experience. Gamification Gamification may sound irrelevant for fintech, but, in fact, it truly works. Transforming routine financial interactions into engaging experiences creates a sense of loyalty, retention, and drives revenue growth. Leaders have to keep in mind the modern digital design and behavioural psychology to deepen the user engagement. The customer demand for interactive banking is the main reason for the growing popularity. Digital banking leaders like Revolut leverage rewards programs, cashback perks, and achievement milestones to influence payment behaviour. That’s why gamification is worth implementing. It’s one more way to differentiate and earn customers’ love in the competitive market. Microservices and modularity Microservices decompose complex systems into independently deployable modules. That’s how the team inside can iterate faster, reduce release risk, and respond to customer demands. The entire platform becomes more usable and remains agile in the payment environment. Microservices and modularity have become strategic among other fintech payment trends. Leverage microservices and flexibly assemble and integrate features on demand. Your solution will stay innovative, while you and your team get the opportunity to respond to shifting user needs in real time. This architecture also strengthens resilience, because you isolate issues so that a single component failure doesn’t disrupt operations. Internet of Things Internet of Things (IoT) integrates payment capabilities into a growing range of connected devices. Smart wearables like rings and watches enable users to make quick, contactless payments without physical cards or smartphones. Your users will utilise your fintech IoT solution with improved usability. Consider IoT as an encouragement for customers to use the convenient payment methods more. Beyond wearables, IoT-enabled vehicles are also automating payments for tolls, parking, and insurance premiums. This technology is transforming financial management on the go and creating new convenience for users. For founders, it can mean leveraging IoT-driven data analytics to gain deeper insights into customer behaviours and preferences. This data fuels personalised financial recommendations (customised investment strategies, optimised budgeting tools, etc.) and drives deeper user engagement. Virtual bank cards According to Future Market Insights, this market is estimated to be $60.7 billion by 2035. That means that virtual cars will stay for a long time and retain their flexibility and security. Virtual cards live entirely in digital wallets and banking apps. This allows users to generate a card instantly whenever they need it. This means consumers can create single-use cards for one-time purchases. Potentially, that can lead to reducing the risk of fraud and unauthorised charges. But except for security, virtual cards give users more opportunities for smart financial control. You can present to users the convenient ways of opening virtual cards. For example, cards can be dedicated to different spending categories or budgets, so it’s easier to monitor and manage expenses. Voice payments Fintech companies can harness the growing popularity of voice payments to embed voice commands into daily financial activities. The options can be making purchases or checking account balances, so that users are equipped with universal choices at every step of usage. Security is always a top priority, and voice payments also contribute to maximum safety. Voice biometrics authenticate users reliably and easily for them. This protection empowers customers to transact hands-free, so banking is again easier and safer on the go. Leading fintech players like Capital One are already pioneering voice payment solutions, integrating services with platforms like Amazon Alexa to enable bill payments by voice. Many others are following suit, deploying voice assistants that provide personalised financial guidance. Aligning Fintech Payment Trends with Business Goals For financial companies and SaaS products, payment fintech trends are becoming a revenue driver and a customer loyalty engine. For growth-focused founders and executives, this is a strategic moment. The decision on the right technology stack will define a lot; it means you won’t have to rebuild it later. That’s where full-cycle product expertise makes the difference. With our ability to design, build, integrate, and scale payment-enabled platforms from concept to launch, we help you scale faster, reduce operational risk, and turn payment experiences into a competitive edge. Our collaboration with DesignRush reinforces this approach. It’s a trusted B2B marketplace that connects you with top-tier agencies. We value the insights and industry benchmarks that help us tune payment solutions that meet today’s demands. The fastest wins come when technology directly serves your KPIs. Our full-cycle approach means we deliver measurable impact.

Amazon & anthropic: $8 billion bet6 min read

delivery

news

In a clear signal of its ambitions in artificial intelligence, Amazon has doubled down on its investment in Anthropic, injecting another $4 billion into the AI startup. This brings its total funding to $8 billion in just over a year.