Fintech Business Podcast Interview: Unit21's Head of Product Kunal Datta
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Oct 22, 2025 Kunal Datta, the Head of Product at Unit21, shares his expertise in AI and automation for fintech fraud and compliance. He discusses a new playbook for fintechs focusing on eliminating repetitive tasks rather than just smoothing out processes. AI's power in enhancing decision-making for financial crime operations is highlighted, along with the importance of real-time detection in preventing harm. Kunal also dives into the challenges of AI accuracy and the critical data types needed for effective fraud prevention. A must-listen for anyone interested in the future of fintech and compliance!
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Frequency Beats Friction
- AI lets products reduce task frequency, not just friction, changing the value proposition.
- The question shifts from easing a job to having the product do the job itself.
Social Media Cleared A Nigeria Alert
- An analyst reviewed a Nigeria-bound payment then checked social media and photos showing family visits.
- That investigation turned a flagged risk into a legitimate remittance example.
TikTok Exposed A Hidden Risk
- An analyst found a TikTok showing money and guns that made an otherwise-normal transaction look suspicious.
- That human discovery highlighted sources ML models often miss without broader context.