Based on the Naskay blog, "From Compliance to Credit Scoring: How Fintech Companies Use AI Chatbots and Agentic Systems," chatbots and agentic systems reshape fintech lending by providing a frictionless application experience. They manage initial KYC/AML checks and collaborate with AI credit scoring agents to deliver near-instant loan approvals. https://naskay.com/blog/fintech-companies-ai-chatbots-agentic-systems/