Integrating Advanced and Agentic AI in Fintech: Transforming Payments and Credit Card Transactions

This article introduces a concept of Advanced and Agentic AI (AAAI) and how it can create decentralized and intelligent agents to integrate Fintech and DeFi, transform payments and remove the need for credit cards. Deep tech is enabling a second leap for Fintech, with DeFi and AAAI decentralized intelligent agents. Currently centralizing trend of Fintech around payment processing and payment cards monopolies and fees, offshoring national sovereignty of monetary policy and support of private central banks exploiting negative targeting interest rates, anti-competition capital controls, laws sponsoring consolidation of banking oligarchies instead of regulation of state-affiliated Fintech to promote competition with local central bank monetary issues. Payment resolution arbitrage replacing payment verification concessions. Outsourcing labor through the unnecessary use of services negatively affecting financial numbers. Being chained to debt providers instead of being let free with debt supporters. Decentralized self-sovereign currencies and AAAI integrations and collaborations are the future of payments. Integrating AAAI in Fintech will remove the need for credit cards. Central banks and private banks all have credit cards and charge fees for everyone to transfer credit in digital form, but AAAI can help us create and develop monetary and financial shields outside the public and private credit cards monopoly. Payment requests and payment verification will be delegated to AAAI partners automatically receiving a share of the transaction fee for allowing the negotiation and resolution of the payment transaction agreement together with the payers and payees. Decentralized organizations will blindly delegate payment negotiation and transaction resolution to AAAI to negotiate or request that receiving or verifying parcel resend peer-to-peer or refund payment transactions. Payments reinforced with AAAI will remove the need for credit card transactions.