AI in payments: cases and lessons from real-world Innovation

We’re already seeing tangible commercial impact from GenAI across the payments and banking ecosystem:

💡 +15% revenue lift from personalized banking services, or self-optimizing cards

💡 +15–20% revenue growth and 10–30% CAC reduction through predictive financial wellness and micro-coaching

💡 +50% faster credit approvals via autonomous agents for micro-decisions

💡 +60% surge in travel transactions from AI-personalized offers

👉 And now, even back-office operations — from product configuration to documentation — are powered by AI.

Our speakers and panelists shared candid, practical insights on what’s really working in AI and what to watch out for:

• AI is delivering ROI today — enhancing personalization, accelerating operations, and unlocking new growth models in banking and payments.
• Start small, test relentlessly. The magic is in iteration: AI’s unpredictability demands agility.
• Data quality is king. High-quality, unbiased datasets, built directly or through strong partnerships, are foundational.
• Replicate success, not hype. Learn from what’s working across the industry.

A special thank you to our insightful panelists Alessio Damonti, Emanuel Doneda, Alessandro E. Hatami, Tomas Janitor, Luca Vanini, and Maria Vin — whose experience spans Banca Sella, Deloitte, GE Capital, Kickstart Accelerator, Lloyds, OpenWay, PayPal, Raiffeisen Bank RPC, UniCredit, and Virgin StartUp.

🚀 At OpenWay, we’re helping banks and fintechs bring AI use cases to scale through infrastructure for real-time payment data, APIs, and AI agents. Learn more at openwaygroup.com or request a demo here.