Fintech Founder: This Trillion-Dollar AI Shift Will Be 10x BIGGER Than DotCom

What happens when AI starts reshaping the financial system faster than banks, regulators, and even investors can adapt? In this conversation, Greg Cox explores the next era of fintech, why AI could create entirely new financial products, and why traditional banks may be both more vulnerable and more valuable than ever. He also breaks down the risks behind AI investment, cybersecurity, cognitive offloading, and what happens when enormous amounts of capital are built on technology that is still evolving incredibly quickly. But this isn’t just a story about fintech. It’s about a deeper shift: 🔹 What happens when AI makes financial services dramatically easier to build, personalise, and scale? 🔹 Could traditional banks regain an advantage simply by becoming the safest place to keep your money? 🔹 And if trillions of dollars flow into AI before the economics are proven, how dangerous could the correction become? At the centre of the discussion is a harder question: If AI becomes deeply embedded across finance, business, and the wider economy before we fully understand its risks, can institutions adapt fast enough without sacrificing security, judgment, and financial stability? Because AI may transform finance, but the biggest consequences could come from what gets built around it. 0:00 Introduction 1:09 Greg Cox, His Latest Venture, and the Next Era of Fintech 3:01 Why AI Changes Everything for Financial Services 5:01 How AI Is Already Changing the Way We Work 7:00 The Cognitive Cost of Letting AI Think for You 9:00 Why Humans Still Need Critical Thinking 11:02 AI Beyond ChatGPT and Into the Physical World 13:00 Brain-Computer Interfaces and Thought-Controlled Technology 17:21 Where Fintech Will Be in Five Years 20:02 Can Traditional Banks Keep Up With AI? 22:01 Why Cybersecurity Could Become Banks’ Greatest Advantage 24:01 Why People Still Trust Traditional Banks With Their Money 26:01 The New Cyber Threat Facing Financial Institutions 27:02 Building AI-Native Financial Products 28:02 Could Everyone Have an AI Private Banker? 30:01 The Trillions Being Invested Into AI 32:01 Could AI Lending Create Another Financial Crisis? 34:00 The AI Boom, Herd Mentality, and Bubble Risk 36:01 What the Internet Boom Can Teach Us About AI 38:02 Why the First Wave of AI Companies May Not Win 40:03 What Happens If the Biggest AI Companies Fail? 42:00 Why OpenAI Becoming Too Big to Fail Is a Real Risk 44:00 Can AI Even Be Regulated? Greg Cox (Guest)   / gregcoxie   Ezra Chapman (Host)   / ezrachapman