Based on the Naskay blog, "From Compliance to Credit Scoring: How Fintech Companies Use AI Chatbots and Agentic Systems," the shift involves using AI chatbots for streamlined KYC/AML compliance. This evolves into agentic systems that use real-time, alternative data for smarter, instant credit scoring and loan approvals. https://naskay.com/blog/fintech-companies-ai-chatbots-agentic-systems/