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Kay works with growth-focused businesses exploring debt funding to support expansion, investment and long-term strategic objectives.
At Fuse Capital Group, he advises companies on funding requirements ranging from £2 million to £25 million and works with fintech and payments businesses seeking appropriately structured capital from the private credit market.
On Demand Webinar
Fintech Moats in an AI World: What AI Commoditises and What Remains Defensible
AI is making it faster and cheaper to build, automate and replicate fintech products. As the competitive baseline rises, features that once appeared differentiated may offer little more than a temporary head start.
So, what now makes a fintech business genuinely difficult to replace?
In this on-demand webinar, Kayode Sulola of Fuse Capital Group speaks with Martin Koderisch, Founder of ScalePoint Partners, about how AI is reshaping competitive advantage across fintech and payments.
They explore what AI is commoditising, which business models remain defensible, and how fintech companies can use AI to move beyond feature-led differentiation and become more deeply embedded in financial infrastructure and customer workflows.
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Trusted by Leading Institutional and Growth-Stage Clients
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What You’ll Learn
During the webinar, Kay and Martin discuss:
- Why many of fintech’s early competitive advantages proved temporary
- Martin’s five-tier framework for assessing fintech defensibility
- Which existing moats are being compressed or strengthened by AI
- Why better user experience and faster execution may no longer be enough
- The difference between using AI for efficiency and using it to build a durable moat
- How proprietary data, infrastructure and operational embeddedness create defensibility
- What lenders and investors may look for in a more competitive fintech market
- Why predictable cash generation, customer stickiness and serviceability matter when raising debt
Webinar at a Glance
➡️ 35 min On-demand webinar
➡️ Expert-Led Discussion
➡️ Fintech, AI & Funding
About the Webinar
The first wave of fintech businesses often gained ground by offering better software, cleaner interfaces and faster execution than traditional banks.
These advantages created real competitive distance, but many did not remain defensible. Incumbents improved their technology, competitors caught up and product features became easier to replicate.
AI is accelerating that process.
The question is no longer simply what a fintech company can build. It is what the company has that cannot easily be copied.
Using Martin’s five-tier “moat ladder”, the webinar examines the progression from interface-led products and execution advantages through to proprietary data, operational infrastructure, embedded workflows and self-reinforcing network effects.
The discussion also distinguishes between two different applications of AI:
- Peripheral AI, used to automate processes, reduce costs and improve efficiency
- Core AI, embedded into the business model, infrastructure and data layer to create compounding value over time
For fintech leadership teams, this distinction may determine whether AI simply improves the existing business or helps make it genuinely harder to replace.
Meet the Speakers
Get to know the industry leaders guiding this webinar.
Associate Director, Fuse Capital
Founder, ScalePoint Partners and Strafi AI
Martin has more than 20 years of experience across payments, fintech and strategic finance.
His career has included operating and advisory roles at Citibank, Mastercard, a fintech start-up and Edgar, Dunn & Company. Through ScalePoint Partners, Martin now advises leadership teams and investors on strategy and strategic finance across the fintech and payments sectors.
Martin is also building Strafi, an AI-powered strategic finance intelligence platform designed to connect accounting, revenue and CRM data for growing businesses.
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Looking to Fund the Next Stage of Your Fintech Growth?
Fuse Capital Group helps growth-focused businesses explore, structure and secure debt funding through a global network of capital partners.
Whether funding is required to invest in technology, support expansion, strengthen working capital or execute a wider growth strategy, our team can help assess the available options.