The Future of Finance in the Age of AI

1. AI as a Generational Shift

• Generational Context: Matt Britton outlines the evolution of consumers:
  • Millennials: Grew up with the internet in the household.
  • Gen Z: The “iPhone and Social Media” generation.
  • Gen Alpha (Ages 0-15): The “AI Generation” who will never know a world without conversational AI.
• Magnitude: Britton argues AI is a bigger shift than the internet or the iPhone, fundamentally changing human-computer interaction.

2. Personalization & “Building Your Own Bot”

• The “Stay Alive” Bot: Matt shares his personal journey of gathering 25 years of medical data (blood tests, MRIs, doctor notes) and training a custom AI to act as a top John Hopkins doctor.
  • Result: The bot identified health risks and “dossiers” for specialists far faster and more bluntly than human doctors, prioritizing survival over bedside manner.
• Advice to Audience: Because corporate data security often blocks immediate AI adoption at work, professionals should start by solving a personal problem (e.g., managing estate planning, family schedules, or helping an elderly parent with passwords). This builds the necessary skills (“future-proofing”) to eventually apply AI in business.

3. The AI Value Chain

• Infrastructure: Dominated by Nvidia (chips) and huge energy demands (nuclear/geothermal investments by Amazon/Microsoft).
• LLMs (Large Language Models): Rapid evolution (IQ scores jumping from 96 to 136 in a year). It’s moving toward “Reasoning Models” (critical thinking) and “Agents” (executing multi-step tasks).
• Data: The most critical differentiator. Companies (like Reddit, Disney, NY Times) are suing to protect their data because it is the fuel for AI.
  • Finance Application: Just as Matt used health data to “keep himself alive,” finance professionals use data (balance sheets, P&L, cash flow) to “keep the company alive.”

4. Changing Roles in Finance

• From “Doer” to “Strategist”: The knowledge economy (memorization/regurgitation) is ending. Success is no longer about doing the math but understanding the problem.
• Talking to Data: The ultimate unlock is enabling the entire organization to “talk” to financial data (e.g., “What happens to growth if we change X?”).
• Forecasting: AI can predict the future by modeling the past better than humans, helping FP&A teams who struggle to forecast beyond 6 months.
• Agents: 75% of finance leaders expect AI agents (autonomous co-pilots that handle complex workflows) to be routine within 3 years.

5. Generative AI Capabilities

• Video & Voice: Demonstrated tools like Google Veo (text-to-video) and Midjourney (text-to-image). Matt showed a custom AI-generated music video about himself speaking at the conference to prove how easy content creation has become.
• Digital Twins: The ability to clone oneself (voice and likeness) to scale communication.

Conclusion

• “Future Proof Yourself”: The job market will face significant disruption (already seen in Big Tech layoffs). Professionals must transition from “knowledge workers” to creative problem solvers who use AI to turn their business into a “math equation” for growth.
• Call to Action: Don’t wait for permission from IT. Build a personal tool today to learn the skills for tomorrow.

This is the clarity finance professionals need. AI won’t just automate tasks—it fundamentally changes how we think about decision-making. The insight about pulling building permits, traffic data, and customer spend to predict financials shows what AI-native finance actually looks like. At GYB, we see the same across all business functions: winners aren’t just automating, they’re rebuilding processes as AI-native from day one. Your point about data being the moat is spot-on—it’s not about the model anymore, it’s about proprietary data feeding it. Gen Alpha will never know spreadsheets the way we do. Finance leaders who start experimenting now will have an unfair advantage when this becomes routine in 2026-2027. Would love to explore AI-native financial workflows on The GYB Show. This is exactly how industries transform.

Develop a end to end pet project to learn the pros and cons of AI tools. But what many don’t understand a few arrogant technologists who are floating around trillions of dollars are going to kill lot of jobs. These AI are powerful to replace anything and it’s only matter of time before it start parading on every one. It won’t augment human workers but replace them and human workers are at an disadvantage because we have limited neurons. These AI systems have undue advantage of processing power and can learn anything. Unless guard rails are put in place few arrogant technologist are going to run over us all in full force.

I just wanted to add something from my own point of view. Many people don’t realise that dying has very little to do with being healthy or ill. The moment we’re born, the moment we’ll leave this world is already written. That doesn’t mean we should ignore our health — health is a crown only those who are sick can truly see. But life is much deeper than trying to escape death. Even the strongest and healthiest people sometimes die young, while others who struggle with illness live long, meaningful lives. So yes, take care of your health — but don’t let fear of death control your life. Focus on what you can build, achieve, and the legacy you’ll leave behind. That’s what truly matters. And honestly, from what I see, you’re already doing a great job living that truth.

The lie about this is that AI can’t give more than you ask. And if it does, it might probably sound foreign to you. Success with machine learning tools like AI deeply depends on you (knowledge and intellectual capability). Still not a guarantee of success. cos 90% of all u know is already out there. The other 10% is probably 100% your intellectual property. The irony is you will have little or no faith in it cos it’s not a norm. If u then took it to AI for assistance, it will sound foreign to AI. Cos AI can only operate on collectively stored data, we humans feed it. so your new idea is often dead on arrival with AI. The only people killing (making a fortune) with AI are the inventors and the so-called AI guru’s trying to sell it to you. By 2050, you will come back and thank me.