Julia Khandoshko, CEO of broker Mind Money, has expressed a critical perspective on the evolving role of artificial intelligence (AI) in decision-making as we approach 2026. Khandoshko suggests that the coming year may mark a significant turning point, where AI will have to clarify its mission and compliance with its broad applicability in various sectors. Reflecting on a decade of rapid advancements, she notes a shift from optimism to skepticism regarding AI’s ability to compete with human judgment in crucial decisions.
Khandoshko anticipates that by 2026, nearly every major player in the industry will have adopted their own AI solutions or integrated those from larger fintech firms. She believes the foundational work done by early AI adopters will catalyze dramatic transformations across industries, making AI a standard practice and requirement. The momentum gained in 2025 is expected to accelerate further in 2026, raising questions about the regulatory frameworks necessary to govern AI’s use responsibly.
Concerns about the pace of AI advancements are particularly pronounced in sensitive fields such as medicine and law, where stakeholders remain hesitant to fully embrace AI for autonomous decision-making. Khandoshko underscores that while AI can serve as an effective assistant, the ultimate responsibility for decisions must rest with human operators. This necessary demarcation aims to ensure accountability in critical decisions.
As the crypto industry continues to rise, Khandoshko highlights its transformative impact on accessibility within the financial sector. The advent of digital derivatives, for example, allows a broader array of investors to participate in markets such as Apple shares. This shift not only democratizes investment opportunities but also opens avenues for arbitrage and automated trading that were previously inaccessible to many. However, this increased digitalization presents new cybersecurity challenges that developers must address proactively.
The integration of environmental, social, and governance (ESG) standards into corporate practices is now a regulatory requirement rather than merely a branding exercise. Khandoshko points to the Corporate Sustainability Directive in Europe, which mandates that banks and fintech companies disclose their environmental impacts. As AI and crypto gain traction, companies will need to differentiate themselves through robust and comprehensive cybersecurity measures, which are increasingly becoming a hallmark of high-quality business.
Prominent fintechs are leveraging AI to perform real-time big data aggregation, a task that traditionally required significant human resources. Khandoshko believes this capability is crucial for driving substantial change, as it reduces the costs associated with complex data analysis. She also sees potential for AI in enhancing corporate cloud infrastructure, predicting that AI integration into various cloud-based solutions will continue to evolve rapidly.
In the banking sector, Khandoshko identifies several AI applications that demonstrate safety and scalability. Tools designed for speeding up credit scoring and fraud detection have already proven effective and are expected to become increasingly revolutionary in their impact. As AI continues to embed itself in corporate strategies, the landscape of decision-making and investment is poised for significant transformation.
Looking ahead, Khandoshko’s insights highlight a pivotal moment in which AI’s role in decision-making, investment, and corporate responsibility may be fundamentally redefined. As both AI and crypto technologies mature, their integration into mainstream practices could reshape financial landscapes and regulatory environments, making it essential for players in the industry to adapt swiftly.
See also
OpenAI Explores Consumer Health Apps with Personal Health Assistant Initiative
AI Disruption: How 2026 Will Redefine Leadership, Workspaces, and Customer Engagement
AI Faces Scrutiny as Companies Demand Clear Returns Amidst Performance Gaps, PwC Warns
Grok AI Spreads Misinformation on Bondi Beach Shooting, Misidentifies Key Figures
AI Ethics Under Scrutiny: Researchers Demand Accountability Amid Industry Collaborations
