Chief Strategy Officer, Head of Financial Services
CI&T
Young Pham has been providing strategy for digital delivery for over 25 years, specifically with a focus in financial services. He’s previously led digital product teams at Chase and also co-founded separate venture back startups in mortgage and investing. At CI&T, Young is responsible for helping clients create digital distribution strategies, customer experience and product strategies for clients such as Wells Fargo, BlackRock, Invesco and Chase. Most recently, he’s been advocating for how AI will transform the financial services industry while also creating greater accessibility to banking for all consumers.
Why Dynamic AI Modeling Using Diverse Data Continues to be a Game Changer
Already an influential force in digital finance, the ever-expanding ability of artificial intelligence and big data models to analyze more diverse data sources—including social media, spending habits, transaction history, alternative data and more—in real time gives banks and fintech players the ability to assess risk through a more dynamic lens and optimize operational efficiency. Experts outline the expanding, powerful knock-on effects, including enhanced risk management through more accurate credit scoring and credit extension, better machine-learning-driven fraud detection and prevention, and the creation of richer customer profiles that enable “instant” insight-based decision making and customized product offerings based on individual behaviors.