AI fintech products often fail in production not due to model deficiencies, but because they are not designed for the real-world environment. It's crucial to consider real data, users, compliance, and business consequences from the outset to ensure successful scaling.
The author shares an honest take on AI coding tools in 2025, distinguishing between hype and real-world production use. Cursor is praised for its consistency in file rewriting and agent mode, while Vercel's v0 is noted for generating React components from prompts.
Most AI products fail in production because they are treated as isolated features, lacking predictability, observability, and control. The author proposes transitioning to AI infrastructure layers, ensuring structured, explainable, and robust outputs for enterprise systems.