Zareef Hamid Analyzes How AI is Redefining Financial Services
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Harvard MBA and former BCG consultant analyzes how AI is driving commoditization in payments and creating a shift toward embedded finance, as financial services transform from traditional intermediaries to infrastructure-based solutions.​​​​​​​​​​​​​​​​

BOSTON - Michimich -- Zareef Hamid (Harvard MBA, former BCG consultant) has published a new Medium article titled "The Fintech Revolution: How AI is Redefining Financial Services in 2025," examining how AI is transforming financial services from traditional intermediaries into infrastructure-based systems. The analysis reveals that "certain financial services, particularly in payments, are experiencing commoditization" as AI-driven solutions create "a shift in value away from traditional intermediaries." Hamid documents how "the future focus is likely to be on providing value-added services, including embedded finance and cross-border transaction optimization, rather than on enhancing traditional models." The research shows that "the payments industry has reached a pivotal moment" where agentic AI systems enable autonomous decision-making with minimal human oversight. Hamid's framework demonstrates how company infrastructure centers on data, AI models, and inference computation that powers reasoning capabilities. The analysis reveals that AI is "altering traditional value chains" as native AI organizations disrupt by targeting niche markets while established institutions implement co-pilot AI solutions that streamline operations without displacing human roles. Read the full article here: https://medium.com/@zareef.hamid/the-fintech-revolution-how-ai-is-redefining-financial-services-in-2025-28557b5e77e4​​​​​​​​​​​​​​​​

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Source: Zareef Hamid
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