Commercial Director, Ian Kerr, gives AI Advice to FinTech Profile

We’re delighted that the popular FinTech Profile, run by experienced FinTech commentator, Ewan MacLeod, asked our Commercial Director, Ian Kerr, for his advice to banks on adopting AI.

This follows Ian’s predictions for AI in 2026, which you can read as part of our blog, The AI Landscape for 2026. Ian’s experience in the global financial technology sector means he is perfectly placed to support complex institutions to make the right choices and decisions when it comes to implementing AI into their organisations.

Here’s a brief extract from the article, which you can read in full here. All copyright belongs to FinTech Profile and Ewan MacLeod.

“What’s one AI or data capability banks should prioritise in the next 12–18 months, and why?

Banks should prioritise real-time decisioning — the ability to use data and AI to make smarter, faster decisions at the moment a customer or risk event occurs. Whether it’s credit, fraud, collections, onboarding, or personalised engagement, the institutions that can act in real time will outperform those that rely on batch processes and rigid rules.

This capability matters because customer expectations have shifted permanently. People now expect the same immediacy from their bank that they get from digital-first companies. Real-time decisioning is the foundation that enables hyper-personalisation, proactive risk management, and operational efficiency — all of which are essential for the next phase of banking competitiveness.”