The Most Valuable AI Tool in Fintech Isn’t an LLM…It’s a Banking Charter

For over a decade, fintech operated on the premise that superior software would ultimately fully unbundle traditional banking . However, the emergence of artificial intelligence is reversing this dynamic, revealing the banking charter not as a legacy burden, but as a decisive economic moat . AI functions as a silo breaker for incumbents, enabling the synthesis of fragmented legacy data without requiring infrastructure overhauls, neutralizing part of the technological agility that previously defi