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In a recent event in New York, CB Insight offered a new flash of inspiration to the world of fintech. Technology now permeates into all aspects of our life, and the financial industry, in particular, is facing its rapid innovations. With new financial models such as banking services, buy now pay later (BNPL), cryptocurrency, and artificial intelligence (AI) financial services offered ever anew, we face an age where we can no longer be sure about who is the competitor. In particular, big tech and traditional financial institutions have emerged from their past habits of opposing fintech as a competitor, instead working together to create new digital services wanted by customers and transforming previously complicated and unwieldy financial services into new and easily accessible forms. In banking services, there has been a transition from a traditional method, which limited low interest rates to certain groups based on the risk management framework or assessment from the institution, to new forms of services such as BNPL, nonfinancial data from credit bureau (CB) institutions, and application programming interface (API)–based and open banking services. The expansion of the financial model through data and AI represents an evolution of banking services, namely, one allowing new customers quick access to banking services. In particular, AI model–based banking services have garnered great interest for their capability to identify and expand the customer basis toward new and rapidly growing markets, such as e-commerce and mobility. This is evident in the fast growth of the American firm Upstart, which has successfully utilized the concept of AI lending. In a similar vein, AIZEN has successfully expanded its business beyond the domestic market of Korea to Singapore, Vietnam, and Indonesia. Its CreditConnect model offers a convenient way of connecting data platforms with banks, expanding the concept of AI lending through a one-stop financial process that encompasses credit assessment, product delivery, and risk management. In other words, AIZEN’s CreditConnect model brings the innovation of a seamless lending service close to the daily lives of its customers, who had been forced to rely on high-interest credit because of rejections by major banks. That is what AIZEN offers to the world right now—a leading direction toward the age of change, where the finance of the future is created upon the transformation of our daily lives through technology.