Building AI-Powered Financial Products : Use responsible AI to launch ROI-driven FinTech products at scale

Apply generative AI, AI agents, LLMs, and proven frameworks to build trustworthy, scalable FinTech products across payments, lending, digital banking, insurance, and wealth management

Key Features

• Build scalable AI-powered financial products with real-world case studies, templates, and frameworks
• Integrate generative AI and LLMs into financial products while ensuring trust and compliance
• Learn from real-world successes, failures, and best practices across the financial services ecosystem
• Free with your book: DRM-free PDF version + access to Packt's next-gen Reader*

Book Description

In today’s financial product landscape, AI is no longer optional, it is non-negotiable.

AI is not here to replace product managers and FinTech professionals, but to enhance their skills and amplify their impact. As the industry moves beyond traditional apps into AI-driven platforms, Building AI-Powered Financial Products is the practical guide for everyone building in this space.

Unlike financial management books that lean heavily on theory, this book delivers actionable, real-world insights. Each chapter is grounded in real-world scenarios, including a FinTech startup case study that demonstrates frameworks and best practices in action. For financial professionals looking to harness generative AI and LLMs, this book offers the practical tools and templates needed to innovate confidently within regulatory boundaries.

By the end, you’ll be equipped to design and scale AI-driven financial products, strengthening your position as a forward-thinking product and FinTech leader in this fast-moving landscape shaped by generative AI.

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What you will learn

• Design, launch, and scale AI-powered financial products
• Integrate generative AI and LLMs into FinTech products
• Navigate AI governance, regulation, and compliance
• Balance customer-centric design with monetization models
• Learn from FinTech success and failure stories
• Apply AI-first product frameworks to scale products
• Discover how AI agents will reshape financial services

Who this book is for

This book is for product managers, engineers, innovation leads, entrepreneurs, and professionals across financial services and technology who aim to become AI-driven leaders in product innovation. Written for professionals involved in building digital products, it shows how generative AI can be used to improve customer experiences and unlock new growth opportunities across the financial ecosystem. Working experience with software products and digital platforms is helpful, but no deep expertise in AI or finance is required, key ideas are explained with clear context.

Table of Contents

1. The New Product Manager in FinTech – First Principles Thinking
2. Data, Identity, and Trust as Product Building Blocks
3. AI and Regulation – Turning Compliance into a Product Advantage
4. Payments: Building the Infrastructure of Invisible Money
5. AI-Powered Lending: From Credit Scores to Credit Intelligence
6. Digital Banking: Building Platform-First Financial Experiences
7. WealthTech: Personalizing Investments with AI Agents
8. RegTech: Turning Compliance Into Scalable Products
9. InsurTech: Building Intelligent, Trustworthy Insurance Products
10. GenAI for FinTech Product Builders: Turning Capabilities into Trustworthy Products
11. AI-Native Product Roadmaps: Designing Discovery to Scale
12. Scaling Teams and Governing Responsible Autonomy
13. Vertical AI Agents: AI Products That Serve Financial Goals Autonomously

(N.B. Please use the Read Sample option to see further chapters)

Abhijit Dey is a fintech and digital banking product leader with 18+ years of experience across AI, GenAI, APIs, and embedded finance. He has led transformative initiatives like UPI, Credit on UPI, and BaaS in India. A GenAI and API evangelist, he blends systems thinking with customer-first design. As co-author of AI-Powered FinTech Product Management, he shares practical insights on scaling platforms, productizing APIs, and building AI-driven and agentic financial journeys. Abhijit is also a mentor and speaker shaping the future of AI-first financial services.

Srinivasan Shanmuganathan, known as Shan, is a seasoned financial-services technologist with two decades bridging banking, insurance, fintech innovation, and product development. An enterprise strategist and API evangelist, he's architected systems powering markets, ecommerce, and trading desks. Shan excels in integration, transforming legacy estates into nimble digital platforms. He's known for reshaping foreign-exchange platforms and pioneering API-first ecosystems for banking and insurance, leading industry benchmark API marketplaces.

David Roldán Martínez is a digital product strategist with 25+ years of experience across FinTech, Insurtech, SaaS, and responsible innovation. He has led global initiatives on open finance, AI adoption, and API-driven platforms, blending strategy with systems thinking. An author of 30+ books, neuromarketing specialist, and active voice in AI ethics, he contributes to frameworks on transparency and governance. As co-author of AI-Powered FinTech Product Management, he brings practitioner insights on scaling digital products, embedding AI responsibly, and shaping the future of ethical financial technology.