Based on the Naskay blog, "AI Agents in Fintech: Tackling Credit, Compliance & Customer Experience Challenges in NYC," fintech startups face the immense pressure of complying with evolving data protection, anti-money laundering (AML), and know-your-customer (KYC) laws. Manual compliance is also described as being prone to errors and high costs. https://naskay.in/blog/ai-agents-in-fintech-customer-experience-2025/