Insights from Money20/20: What’s Shaping the Future of Financial Innovation

That’s a wrap on Money20/20 2025! Worth showed up focused, energized, and ready to shape the future of financial innovation.

From AI-driven underwriting to collaborative ecosystems transforming compliance and risk, this year’s event embodied how the future of finance will be built on partnerships, transparency, and technology that keeps the pace of its users.

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What We Saw

Across every stage and networking event at Money20/20, we saw themes emerging:

• AI-first strategies are no longer experimental. They have become a core part of how financial institutions stay competitive. Usually large institutions lean towards building solutions in-house, but with the speed of AI and technology advancement, we’re seeing a huge wave of companies willing to partner or buy solutions to not get left behind.
  
• Regulatory navigation is becoming a competitive edge. Institutions that can innovate responsibly while maintaining strong compliance frameworks are setting the standard for the next wave of growth.
  
• Modernization is the new mandate. Cloud-native systems and open APIs are transforming how organizations build, integrate, and scale. Every conversation circled back to infrastructure that enables speed without sacrificing security.
  
• Risk management has replaced risk avoidance. The best teams are learning how to move quickly and confidently, using data-driven insights to anticipate risk rather than hide from it.

Beyond the technology and headlines, the mood at Money20/20 was one of connection and progress. It was clear that transformation is no longer a goal. It is the new normal for anyone building the future of finance.

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What Stood Out

1. KYCustomer, Evolved

This panel from Nova Credit, Middesk, and Liminal took a hard look at how identity itself is evolving.

Customers no longer fit into a single box. They’re business owners, gig workers, and consumers simultaneously. Traditional KYC/KYB frameworks can’t keep up with these multidimensional profiles.

The solution? Smarter data integration that brings together alternative data sources while preserving privacy and ethics.

For Worth, this reinforced why we’ve built our platform to surface deeper insights across owners, businesses, and watchlists, helping underwriters see the full picture in one place.

2. The Next Chapter in Banking Growth and Innovation

U.S. Bank CEO Gunjan Kedia discussed how legacy financial institutions are evolving through experimentation and collaboration.

She highlighted that growth in banking is about more than products. It’s about partnerships.

Traditional players and non-traditional innovators are forming ecosystems that merge scale with speed, a concept that resonated with Worth’s own mission of bridging the gap between compliance-heavy systems and agile automation.

3. AI in Finance: Scaling Financial Intelligence

Co-hosted by Oracle, NVIDIA, and partners like Stripe, Fiserv, and TD Bank, this session dove deep into real-world use cases for generative AI in financial workflows.

The standout demo from Slope showcased real-time cash flow underwriting powered by a proprietary large language model trained on business bank transaction data, delivering instant credit approvals for SMBs.

It was a glimpse into how AI is redefining risk scoring and decisioning. Instead of replacing people, the industry is gearing them towards higher-value analysis.

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What We Took Away

Money20/20 proved that the most successful financial institutions are adopting a new mindset.

The winners will be those who:

• Embrace collaboration over competition.
• Build systems that learn and adapt.
• Balance innovation with responsibility.

And through it all, one truth stood out: authenticity still wins.

Networking at Money20/20 means being surrounded by thousands of people, but the most valuable conversations come from showing up as yourself.

For Worth, that means continuing to show up as the partner who simplifies complexity, accelerates underwriting, and scales smarter with every customer.

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Beyond the Expo

Between sessions, we connected with customers, partners, and innovators driving fintech forward, and of course, kicked back at a few of the week’s most memorable events, from the Worth Invitational Dinner at HaSalon to the Executive VIP Golf Experience at Wynn Golf Course.

We were surrounded by great company at Money20/20, having real conversations. It was the kind of connection that makes these events worth attending year after year.

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What’s Next

We’ve left Money20/20 in Las Vegas motivated by the energy, insights, and innovation we saw across the floor, inspired to keep pushing the boundaries of what underwriting automation can do.

Next up: Priority Power Conference here in Florida in November.

Different city, same mission. We’re helping financial institutions onboard faster, underwrite smarter, and turn compliance into a competitive advantage.If you missed us at Money20/20, let’s connect before the next one.