From Rules to Risk, per the Naskay blog "From Compliance to Credit Scoring: How Fintech Companies Use AI Chatbots and Agentic Systems," AI evolved from compliance chatbots (KYC/AML rules). The focus is now on agentic AI for proactive risk management and instant credit decisions. https://naskay.com/blog/fintech-companies-ai-chatbots-agentic-systems/