Jenny Johnston from OpenAI claims that banks are adopting AI faster than fintechs, a statement that raises skepticism. To assess this, the article highlights notable examples from both sectors. For banks, it mentions Morgan Stanley, BBVA, and BNY Mellon, focusing on how they implement AI at scale. On the fintech side, it cites Ramp, Nubank, and Mercado Libre as innovators creating new products and experiences, suggesting that while banks may be handling larger workloads, fintechs are driving meaningful change. The commentary emphasizes that banks have the resources and data to leverage AI effectively, but their legacy systems may slow down innovation. Fintechs, built on a digital-first approach, can pivot quickly to capture new opportunities. The conversation shifts from mere API usage to the tangible value AI brings to customers. The real challenge is finding a balance between innovation, trust, and compliance. There's a consensus that banks have been using AI for a longer time, but now the technology is finally delivering on its promise. Critics argue that much of the AI adoption in banks focuses on efficiency rather than enhancing customer experience. The article invites readers to weigh in on these perspectives, suggesting that the true measure of success lies in how well each sector translates AI capabilities into user-visible advantages.