Media article | 1 min read
February 26, 2026
Published in: Fintech Bloom | February 4, 2026
In the latest Q&A with Fintech Bloom, John Flowers, Head of Banking, Financial Services & Insurance at eClerx, explores the shift from rigid, rule-based legacy systems to signal-driven intelligence. From the rise of agentic payments to the extinction of the siloed Fraud and AML departments, John outlines a future where identity is a living behavioral signal and Payment Service Providers must choose between becoming smart decision engines or invisible utilities.
John goes on to explain, where eClerx differentiates itself is in the blend of operations, technology, and deep domain expertise. While many firms approach AI as a pure technology problem, eClerx comes in as a transformation partner who deeply understands compliance, risk, and operational execution.
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