How to Vet an AI Firm in 2026: The Honest Guide

How to Vet an AI Firm in 2026: The Honest Guide By Mzee Boto Let's start with the question nobody asks out loud in the sales meeting: when your vendor says "AI-powered," what do they actually mean? Every fintech pitch deck in 2026 claims to be AI-native, agentic, or autonomous. Most of them are not. They're legacy software with a chat window stapled on top, sold by a team that knows "agentic" closes more deals than "automated" ever did. That gap matters more in financial services than almost anywhere else. A bad CRM purchase wastes a budget line. A bad AI purchase at a regulated bank can mean a compliance failure, a data breach disclosure, or a model nobody on staff can explain when an examiner asks. This guide isn't theory. It's the questions you ask before you sign, the checklist you run before you commit budget, and the four lines you do not cross in the contract — no matter how good the demo looked. Let's get into it. ...
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