When most people think about AI and finance, they picture high-frequency trading, chatbots, or futuristic banking apps. But what if the most transformative applications of AI are the ones we do not even see?

That is exactly what is happening in embedded finance. It is not headline-grabbing stuff, there are no glossy TV ads or big product launches. Instead, AI is quietly shaping how we experience financial services, weaving them into everyday life in ways that feel natural and, often, invisible.