That’s a very relevant point about the reliability of new forecasting tools. I found some interesting insights from a recent source that discussed the top fintech trends, and it touched on exactly this. It mentioned that while AI-powered financial forecasting tools are heavily marketed, they can sometimes be overhyped, especially for startups that lack extensive clean historical data. The article suggests that AI has indeed become an operational necessity for many fintech companies, influencing various services and improving efficiency. However, for nuanced forecasting, it noted that some businesses struggled because the models couldn’t account for their actual business reality, leading them back to simpler spreadsheets. This indicates that while AI is incredibly powerful for things like digital payments and real-time payment infrastructure, its application in complex financial forecasting still requires careful consideration and sufficient data for training.