Will AI take your job? It is the question hanging over every conference stage, every boardroom and every LinkedIn feed in 2026. At Money 20/20 Europe in Amsterdam, we stopped speculating and asked the people actually building the technology. We put it to six fintech founders. Their answers did not line up. One told us, without flinching, that AI should take your job. Another insisted it never will. Watch the two-minute debate below, then make up your mind.
| What You Need to Know |
|---|
| 1Six fintech founders, one question, no consensus, recorded live at Money 20/20 Europe 2026 in Amsterdam. |
| 23S Money founder Ivan Zhiznevsky says AI should take your job, if you refuse to learn. |
| 3IFX Payments COO Anastasia Evans pushes back, a human always stays in the loop. |
| 4ComplyStream and Neurogine describe automation that has already cut bank support calls by 80 percent. |
“If You’re Lazy, AI Should Take Your Job”
Ivan Zhiznevsky, founder of 3S Money, gave the line that stops people mid-scroll. His logic is brutally simple. If you would rather coast than develop yourself, then “by all means, AI will, and it should, take your job.” He did not mean it as a threat. He framed it as motivation. A reason for everyone to start learning, to upgrade, to find a better place. The labour market is being rewritten in real time. In his telling, the people who lose out are not the ones who use AI. They are the ones who refuse to.
The Counterpoint, You Always Need a Human
Anastasia Evans, COO of IFX Payments, pushed straight back. You never reach a point, she argued, where there are no people involved at all. Deployed sensibly, AI does not replace your team. It frees them up. Staff focus on the service-led work humans are actually good at. “I don’t think it’s one or the other, or a replacement,” she said, pointing to recent World Economic Forum research that shows AI making the workforce more productive rather than smaller.
Adapt, or You Simply Won’t Grow
If Ivan and Anastasia mark the two poles, the rest of the floor lived somewhere in between. They agreed on one thing. Standing still is not an option. David Koroma of Apaylo put the business case plainly. Be oppositional to AI, and “you’re not going to grow in this world as a business at this point.” Nataliya Zheleznova of Team International turned that into a strategy. Become an AI-first company, get your people certified, build the partnerships. Or fall behind the firms that already have.
It Is Already Happening
The most sobering answers were not predictions at all. They were descriptions of the present. Kartik Dabbiru, CEO and founder of ComplyStream, described a compliance analyst’s morning. By the time they sit down, a system of AI agents has already done the work. Read the inboxes. Gone through the documents. Processed the case. Suggested the next steps. The human is left to approve, reject or refer. At the click of a button.
Owen Chen, Group CEO of Neurogine, made it concrete with a single number. Remote and self-diagnostics cut his banks’ support calls by 80 percent. A thousand calls become two hundred that need a person on site. The other eight hundred resolve without one. That is not a forecast about the future of work. That is eight hundred jobs’ worth of work, quietly automated, today. The McKinsey Global Institute has modelled this shift across financial services for years. The Money 20/20 floor is where you see the modelling stop being theoretical.
So, Will AI Take Your Job
Put all six answers together, and a single, uncomfortable truth keeps surfacing. The one that closes the video. AI won’t take your job. Someone using AI will. The fintech founders building this technology are not worried about machines replacing people wholesale. They are worried about the gap opening up. Between those who learn to work alongside AI, and those who pretend it is a passing trend. The honest takeaway from the floor of Money 20/20 Europe is less “the robots are coming” and more “the upgrade is optional, but falling behind is not.”
For European workers and SMEs, the policy backdrop adds urgency. The EU AI Act is rolling out in phases, and Dutch firms are already required to inventory their AI deployments. Both the Dutch AFM and De Nederlandsche Bank have flagged AI risk as a supervisory priority in their 2026 work programs. The question is no longer whether AI lands in your industry. It is whether you land on the right side of the line your regulator is drawing.
| The Six Founders at a Glance |
|---|
| 1Ivan Zhiznevsky, 3S Money, AI should take the jobs of those who refuse to learn. |
| 2Anastasia Evans, IFX Payments, a human always stays in the loop, AI frees the team for higher-value work. |
| 3David Koroma, Apaylo, oppose AI and your business simply will not grow. |
| 4Nataliya Zheleznova, Team International, become AI-first, certify your people, build partnerships now. |
| 5Kartik Dabbiru, ComplyStream, AI agents already triage compliance work before the analyst sits down. |
| 6Owen Chen, Neurogine, remote and self-diagnostics already cut bank support calls by 80 percent. |
Which of the six is right? That is the part worth arguing about, and the reason we filmed it. Watch the full debate above, and tell us where you land.
This article is informational and not financial or career advice. Statements attributed to the six founders come from a live recording at Money 20/20 Europe 2026 in Amsterdam. They reflect their personal views, not those of CryptoFocus. CryptoFocus brings you the people shaping the future of money, with exclusive founder interviews from Money 20/20 Europe and beyond.
