With Agentech AI on the rise, millions of young people could gain access to financial advice they otherwise wouldn't receive.
Now this is taking place at a time when young professionals are underserved across the fintech industry.
Now joining me this morning to discuss this and more is Tefari Bailey, founder of Hutsy.
Safari, thank you so much for joining us this morning.
So let's walk through what is agentech AI and walk us through the rise of it and the difference it can make for young people in their personal finance.
Most definitely, Johny.
First of all, thanks for having me on the show.
With respect to your question on what is agentic AI, that's a great question.
So ultimately what agentic AI is.
It is AI that can do things for you.
So with respect to banking and personal finance, there are so many tools out there in which you're able to directly connect your bank accounts and credit accounts to this technology, and the agentic portion will do things for you.
It will do taxes for you.
It will. file taxes.
It will dispute transactions, give you the, the best way to go about things.
So why do you say that young professionals are the most underserved in this area of fintech?
What exactly are they missing?
When you think about it, Johny, the reality is there are 75 million young professionals in the United States alone that don't have a financial advisor, and they probably never will.
When you think about the banking infrastructure and how it works, they're not necessarily incentivized to provide this advice if there's nothing in it for them.
So the way that they're missing out.
They have all of these things that are coming overdraft fees, subscriptions that they don't know about.
So with the advancements of Magenta AI, it's actually able to give them the heads up in terms of what's coming and what to do next.
So what is the daily financial habit and why do you say fintechs are missing out on this opportunity?
Yeah, great question.
The Daily Financial Habit is a morning briefing where you can see exactly what's coming and a recommendation of what to do next.
The way AI is going, we could see this as An AI recommending, hey Johnny.
You have a payment coming in today.
Put $200 on towards your credit card.
That's the recommendation piece, and the value explaining that doing so will likely drop your credit utilization by 20%, which will likely improve your credit score by 35 points.
These are things that we wouldn't know, but with AI getting better and better, training itself on millions upon millions of data molecules.
That's something that we're able to tell and it's definitely a helpful tool for young people that forget because forgetfulness in this age is definitely something that's a thing.
So can you break down the creator economy for us?
How are fintech shifting to creator-led growth?
That's interesting because when you think of the dynamic of traditional fintech applications.
You raise venture capital dollars, you spend money on Google, Facebook, Amazon advertisements, but it, it's tough to differentiate and play in that space.
So now what I, I see.
Big players doing is actually partnering up with creators that specialize in specific niches whether that's credit, whether that's investing, whether that's banking or saving and actually collaborating with them on making the content and they already have millions of followers and a trusted audience.
And creators are becoming a full-time job in 2026.
So let's talk about financial apps.
I have specific financial apps.
I love.
You have an app and you have financial apps.
What do consumers need to know when it comes to data and AI?
When it comes to data and AI, companies are getting better and better with respect to privacy.
And security companies are spending so much more money on compliance and data, and it's really important to just know what applications you're using and what the purpose is.
There's so many different FinTech apps out there that have specific use cases such as Chime with banking, Cash App, sending money, Credit Karma with managing your credit, so.
Yeah, really just understanding what the use case is per app.
So last question, let's talk about your app.
Talk to us.
What is your app?
What is HDSC and what does it do and give us a breakdown of that.
Yeah, HDC is a digital CFO for the 75 million young professionals that don't have a financial advisor.
We help them build credit, stabilize cash flow, and access affordable credit.
We're partnered up with over 50 different lenders across the United States in which we actually offer loans between $500 all the way up to $50,000.
And on the daily habit.
We have a morning financial briefing that we send out to all users.
They understand what's coming and our recommendation of what to do next.
And being that in the age of 2026, everybody's using OpenAI, Cloud, Gemini, we actually do have a chat feature in which they can ask any questions about their money and get real advice based off of their data and everything is encrypted with bank level security.
I'm Tefari Bailey, CEO of Hutsy, thank you so much for joining us today.
Thank you for having me, Johnny.
Appreciate it.
