# Scientific Discovery

### The New-Paradigm: Key Trends in AI-Driven Fintech

Technology is reshaping the operating-model of financial institutions fundamentally, and the attributes necessary to build a successful business. AI is weakening various components of incumbent financial institutions, thereby creating an opportunity for an entirely new operating-models and category-dynamics focused on the scale and sophistication of product, tech & data much more than the scale or complexity of capital. Unlike past'AI Springs', the science and practice of AI is poised to continue an unprecedented multi-decade run of progress. A clear vision of the future financial landscape is critical for good governance and strategic decisions. AI systems will eventually underwrite credit and insurance across the world.

### These are the top 20 scientific discoveries of the decade

To understand the natural world, scientists must measure it--but how do we define our units? Over the decades, scientists have gradually redefined classic units in terms of universal constants, such as using the speed of light to help define the length of a meter. But the scientific unit of mass, the kilogram, remained pegged to "Le Grand K," a metallic cylinder stored at a facility in France. If that ingot's mass varied for whatever reason, scientists would have to recalibrate their instruments. No more: In 2019, scientists agreed to adopt a new kilogram definition based on a fundamental factor in physics called Planck's constant and the improved definitions for the units of electrical current, temperature, and the number of particles in a given substance.