Fintech Conversations & Insights with Efi Pylarinou
Dr. Efi Pylarinou is a Top Global B2B Fintech & Tech Influencer, Thought Leader, and prolific content creator.No.1 Global Woman Influencer in Finance & the Data conversation by Refinitiv 2019 & 2020. She is included in Onalytica`s 2021, Top 20 Fintech Influencers & in their Top 20 in ‘ Who`s Who in AI’ professional influencers. In 2022, she was included in the Top 50 Digital Futurists list and Top 30 Linkedin Voice by Engatica. A seasoned Wall Street professional & a recognized technology thought leader on innovation topics.She has over 195,000+ followers on Linkedin and 20,000+ on Twitter. Join her on the social platforms https://linktr.ee/Efiglobal
Fintech Conversations & Insights with Efi Pylarinou
KYA Won't Always Protect You. The Real Risk Is the Swarm!
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AI agents are starting to make financial decisions without a human approving every step, as such a design cant scale. In this conversation I sit down with Amna Usman Chaudhry, financial economist and frontier technology strategist, to dig into why AI governance built for a single agent breaks down frequently once multiple agents start interacting with each other.
KYC governed the customer and KYB businesses. KYA is the emerging standard to govern an individual AI agent. But what happens when several AI agents interact to produce one financial decision, and every single one of them is individually compliant? Amna identifies a gap in several multi-agent workflows which she coins as the swarm accountability gap, and she has built a framework for it - KYS, Know Your Swarm.
We get into why KYC, KYB and KYA all remain necessary but are not sufficient on their own, and what she calls delegation failure: the moment a multi-agent system produces a harmful or discriminatory outcome that cannot be traced back to any single agent.
The nuances of agentic workflows in finance, are being uncovered. Not all multi-agent workflows created Swarms. However, as we are preparing to delegate agency at scale, we need to understand swarms. This topic touches on biases, financial inclusion, and of course governance and ethics.
💎 Guest Bio: Amna Usman Chaudhry
is a financial economist and frontier technology strategist defining Autonomous Finance - the structural shift toward AI coordinated financial systems.
She is the author of KYS: Know Your Swarm (SSRN, 2026), a governance framework for multi-agent AI in regulated finance. Her work spans fintech, AI, blockchain, digital assets, financial inclusion and responsible innovation.
Amna is a graduate level lecturer in frontier finance and emerging technologies, and serves on boards and advisory councils across fintech, technology and responsible innovation. She is a UNESCO Women4EthicalAI Expert and has twice been listed on the Innovate Finance Women in FinTech Powerlist.
She has spoken at and contributed to United Nations convenings and multi-stakeholder platforms on algorithmic accountability, digital assets, AI governance, and the future of Autonomous Finance. She also writes Autonomous Finance, a Substack publication on what happens when money starts to think for itself.