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FINTECHTALKFINTECHTALK podcast is one of the top 10% most popular shows out of 3,446,563 podcasts globally, ranked by Listen Score (the estimated popularity score). Sculpting the future with AI, Fintech and Crypto Author: Show about FINTECH, AI and Crypto
FINTECHTALK(TM) is show about FINTECH, AI and Crypto and how these are fundamentally changing our lives. The Future of knowledge work, the future with agentic AI, future of assets and how they will be transacted and leveraged. The Future of hyper-personalized entertainment and education, the workplace, and commerce. Tune into to my interviews with the CEOs of Unicorns, Future Unicorns, the Disruptors, and Big thinkers, and subscribe to our newsletter at Fintechtalk.substack.com substack.fintechtalk.ivalley.co Language: en Genres: Business, Entrepreneurship, Technology Contact email: Get it Feed URL: Get it iTunes ID: Get it |
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From Chatbots to Agents: How Google Cloud Is Powering the Next Wave of AI in Finance
Monday, 27 October, 2025
Welcome FINTECHTALKERS!In this episode, I sat down with Toby Brown, who leads regulated industries at Google Cloud, to explore how AI in financial services has evolved from pilot projects to real deployments driving measurable ROI.Last year, the conversation was about proofs of concept. This year, it’s about deployment, integration, and scale. Toby explains how banks, fintechs, and exchanges are turning generative AI into productivity tools, compliance engines, and customer experience drivers—while building a framework for secure, regulated AI adoption.We also dive into Google’s emerging role in agentic commerce—from the Agent-to-Agent (A2A) protocol and Agentic Payments Protocol to the Google Cloud Universal Ledger, which enables programmable money movement and real-time settlement across industries.If you’re curious about how AI, Stablecoins, and distributed ledgers are converging to define the next generation of financial infrastructure, this episode paints the roadmap from assistive chat to autonomous finance.💡 Key Takeaways From the Episode* AI goes from pilot to production: Deployments are happening across productivity, customer service, and marketing use cases.* Agentic finance emerges: The next evolution—agents transacting, settling, and verifying autonomously.* Google’s A2A and payments protocols: Open frameworks enabling secure, verifiable agent-to-agent interactions.* Universal Ledger for programmable money: A distributed infrastructure built for compliance, throughput, and scale.* Risk & compliance first: New AI models like Gemini enable anomaly detection, KYC automation, and financial crime prevention.* Stablecoins’ institutional moment: Adoption is surging in B2B, remittances, and settlement—while consumer use cases are still forming.* Customer experience reimagined: From static dashboards to interactive, multimedia financial guidance powered by generative AI.* The future is hybrid: Human-in-the-loop systems for high-value transactions; autonomous AI for low-friction commerce.🎧 Listen now to the full episode⏱️ Timestamp Table0:00 – 2:00 – Welcome + Meet Toby BrownFrom 20 years in financial services to leading Google Cloud’s regulated industries team.2:01 – 4:00 – AI’s New VocabularyFrom pilots and proofs to deploy, integrate, measure.4:01 – 7:00 – Where AI Works TodayReal ROI in developer productivity, customer service, and marketing (with Klarna results).7:01 – 10:00 – Agentic Commerce Takes ShapeThe shift from assistive chat to autonomous money movement.10:01 – 13:00 – A2A & Agentic Payments ProtocolOpen frameworks for agent-to-agent trust and verification.13:01 – 18:00 – Universal Ledger + PartnersHow PayPal, AmEx, Etsy, and CME are piloting programmable money infrastructure.18:01 – 22:00 – Stablecoins in ContextEarly wins in B2B remittance and institutional settlement; consumer use cases still emerging.22:01 – 26:00 – AI for Risk, Fraud, and KYCFinancial crime detection and compliance automation with Gemini.26:01 – 29:00 – Reimagining Customer ExperienceFrom text and charts to interactive, multimedia financial guidance.29:01 – 31:00 – The Always-On Financial AdvisorAI-powered advisory and inclusion at scale.31:01 – End – Announcements + Where to Find MoreGoogle Cloud at Money20/20; Monday, Oct. 27 keynote.FINTECHTALK: A Top 10% Global Podcast Shaping the Future of Fintech, AI, and Crypto and was recently ranked in the Best 100 Future Tech Podcasts by Million Podcasts.Ranked by ListenNotesLooking to amplify your brand’s reach? Partner with our podcast and connect with an engaged and loyal audience. Contact us today to explore sponsorship opportunities and elevate your brand! fintechtalk@substack.comEnjoy and always be in the know,Paddy RamanathanFounder of iValley and Host of the FINTECHTALK™ Show (on Substack, Apple Podcast, YouTube, and Spotify)Interested in sponsorship opportunities and be associated with sculpting the future? Please reach out to fintechtalk@substack.com.Thanks to ChatGPT for suggestions.(Violin piece in podcast, courtesy of my daughter Ilina) This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit substack.fintechtalk.ivalley.co/subscribe
