The Application of AI in Fintech - A Design Framework for Transaction Cost Analysis

Artificial intelligence has generated substantial productivity gains across the technology landscape during 2025-2026, firmly establishing its value as a transformative tool. However, its impact on product design - especially within specialized financial technology - remains nascent, trailing advances in underlying AI capabilities. This paper explores the structural challenges confronting fintech platforms, focusing on Transaction Cost Analysis (TCA), and argues that AI’s greatest contribution will be not the replacement of existing products, but a fundamental redefinition of how users engage with complex analytical systems.

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