SPOTLIGHT PRESENTATION: ON-DEVICE AI FOR TRUST, PRIVACY AND REAL-TIME DECISIONS IN NEXTGEN FINTECH

In a world where milliseconds decide whether a payment succeeds or fails, On-Device AI is quietly reshaping the financial frontier. Imagine a credit card or mobile wallet that can detect fraud, assess credit risk, and safeguard privacy - all within the device itself. This shift from cloud-dependent intelligence to edge-empowered autonomy is redefining trust, speed, and personalization in the FinTech ecosystem.

From ATMs that make split-second decisions offline to AI copilots embedded in mobile apps, this transformation isn’t just about technology - it’s about restoring digital confidence. By blending federated learning, secure enclaves, and privacy-preserving AI, the next generation of FinTech is learning to think locally, act instantly, and protect globally.

Topics of discussion will include, yet will not be limited to:

• Privacy-Preserving Architecture - How on-device inference and federated learning minimize data exposure while meeting compliance needs
• Real-Time Credit & Fraud Decisioning - Making ultra-fast, high-confidence calls at the card, ATM, or mobile edge
• Hybrid Edge-Cloud Governance - Ensuring fairness, explainability, and security across decentralized models
• The Next Frontier - Quantum-resistant AI and agentic systems enabling trust-first, real-time financial ecosystems

Nitin Sharma, Senior Manager, Digital Product Solution Design, AMERICAN EXPRESS