• Tim Khamzin, Founder & CEO at Vivox AI


• 17.06.2026 12:43 pm

At Money20/20 Europe 2026, Financial IT spoke with Tim Khamzin, Founder & CEO of Vivox AI, about how AI agents are reshaping financial crime compliance, and why trust and regulation remain the defining challenges for adoption in financial services.

Financial IT: Vivox AI sits at the intersection of AI and financial services. What’s the one problem you’re most laser-focused on solving right now, and why does it matter?

Tim Khamzin: We are building AI agents specifically for financial crime compliance teams.

The core problem we are solving is the heavy reliance on manual compliance reviews. For banks and fintechs, compliance operations are not only resource-intensive but also expensive — in some cases, they can account for up to 15% of total operating costs.

This creates a major bottleneck for growth. Vivox AI is focused on automating these repetitive, manual tasks so institutions can scale their operations without continuously increasing headcount, allowing teams to focus more on customers and business growth.

Financial IT: Many financial institutions are exploring AI but struggle with implementation. What makes Vivox AI’s approach different or more practical for banks and fintechs?

Tim Khamzin: The biggest challenge in the industry today is not technology — it is trust.

The question that consistently comes from boards and senior stakeholders is: Can we trust AI systems in a regulated environment? And will they stand up to scrutiny from auditors and regulators?

Our approach is “regulator-first AI.” That means building AI agents that are fully auditable, explainable, and designed from the ground up to meet regulatory expectations.

This focus on transparency and accountability is what makes adoption practical for financial institutions.

Financial IT: Looking ahead, what major shift do you think we’ll see in AI adoption across fintech in the next 2–3 years, and how is Vivox AI preparing for it?

Tim Khamzin: We are already seeing early adoption where AI assists compliance analysts rather than replacing them.

However, over the next two to three years, we expect a shift toward end-to-end automation of compliance workflows. AI agents will increasingly handle the operational aspects of compliance that are currently done manually.

As this happens, the role of compliance professionals will evolve significantly. Compliance analysts will transition into “compliance engineers” — professionals who train, supervise, and manage AI systems while focusing on more complex investigations.

Vivox AI is building for this transition by developing systems that are not just automated, but also controllable, explainable, and adaptable to real-world regulatory environments.

Financial IT: What is your main takeaway from Money20/20 this year?

Tim Khamzin: The biggest takeaway is that trust matters more than ever.

Across the industry, there is strong interest in AI, but the pace of adoption is directly tied to how much confidence institutions have in these systems.

Another important insight is the value of in-person relationships. Meeting partners and customers face-to-face plays a crucial role in building trust and moving conversations forward.

Ultimately, while AI adoption in financial services is accelerating, trust will determine how quickly and successfully it scales.