What is the future of Fintech? Is it AI?

Hey guys, Recently I have been working on a small project on Fintech+AI and wanted your feedback, not only on the product but your understanding of the sector itself.

I have few years of experience working in the Indian Fintech ecosystem but now I see saturation. I have seen digital wallets, P2P money transfers, BNPL, Neo-banks and everything new that can be done. But what is the future or is it the end of Fintech innovation?

I have tried to build in B2C Fintech and adding AI to make a personal financial advisor but people have a lot of concerns with privacy. "Will my info be used for training", "Where is my data going into" and a lot of similar questions I am seeing.

What can I build and how can I build it? While adding AI to everything is getting hype how can I make it sustainable?

I really wanna solve a "Real Problem" for users and innovate in this area. Currently it's just a SISP.

Link to my project: https://project-hermes-ai.vercel.app/