Fintech Insider Podcast by 11:FS 1042. News: Is Klarna a reality check for fintech IPO hopes?
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Mar 2, 2026 Albert Malikov, founder and CEO of Stacks, builds agentic AI to automate finance operations. Aditi Subbarao, Snowflake enterprise sales lead, focuses on data and agentic AI for financial workflows. They discuss Stacks’ Series A and agentic reconciliation, Xflow’s cross-border B2B payments for India, Klarna’s IPO woes, and Chase’s surprising branch expansion.
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Agentic Finance Requires A Solid Data Foundation
- Stacks builds an AI-ready financial data layer plus agent-driven workflows to automate month-end tasks like reconciliations and journal entries.
- Albert Malikov says deterministic ML ensures accuracy while agents orchestrate exceptions across ERP and bank data.
Agents Handle Exceptions By Learning From Accountants
- Agents monitor transaction streams, call matching tools, and either auto-resolve or trigger exception workflows for accountants to handle.
- Albert explains agents learn from accountants' actions so future exceptions get handled automatically.
One-Click Flux Analysis Replaces Hours Of Excel Work
- Flux analysis automates variance explanations across hundreds of accounts in ~20 seconds by using deterministic math, seasonality detection and transaction metadata.
- Albert reports >95% of generated explanations require no edits by users.