How fintech companies can scale faster by combining AI + hybrid teams.

AI and hybrid teams: the duo that is accelerating growth in Fintech

In the Fintech sector, moving fast is no longer an option; it's a necessity. And today, that speed comes from the hand of two key factors: Artificial Intelligence and hybrid teams. This combination allows Fintechs to not only grow faster, but also to do so with greater flexibility and resilience. CTOs, COOs and Product Managers who have already understood this are using technology not as a complement, but as a fundamental part of their operating model.

When artificial intelligence ceases to be a promise and becomes a tool

At this point, talking about AI in Fintech is no longer surprising, but the truth is that its applications continue to expand at a dizzying rate. Automation of complex processes, early detection of behavioural patterns, analysis of large volumes of data in real time... Fintechs that integrate AI achieve more agile, personalised and powerful products compared to the competition.

Where to start? Often, the first step is to add to the team a profile with practical experience in AI applied to the business. Having a freelance AI expert allows you to explore specific use cases without having to build a department from scratch.

Hybrid teams: an operating model tailored to the future

Few industries are changing as fast as Fintech. In the face of that pace, traditional work models fall short. Hybrid teams, a strategic mix of in-house talent and freelance professionals, increase responsiveness without raising the fixed cost structure.

The advantage? The ability to meet very specific needs without going through lengthy hiring processes. This model allows:

• Scale resources according to product phase
• Access to cutting-edge skills regardless of location.
• Incorporate new perspectives that enrich innovation.

Platforms like Shakers simplify this search by connecting companies with technology professionals who already have proven experience in agile environments.

Real integration: AI and human talent as complementary, not competitive.

There's something powerful about seeing how AI and human labour can complement each other without friction. While algorithms process thousands of pieces of data and execute routine tasks constantly, human teams have more room for what they do best: think strategically, solve problems, empathise, and create.

But for this synergy to work, it has to be orchestrated well. This is where collaborative management tools come into play. Solutions like manage your project help align freelancers, internal talent and AI so that workflows are smooth and goals are clear at every stage of the process.

From paper to practice: how fintechs are scaling with this approach

Many startups in the sector are already applying this model with excellent results. A good example is Muppy, which managed to go from a simple idea to a functional MVP of its app thanks to the work of a hybrid team with highly specialised freelance talent.

What made the difference? Agility to iterate fast, focus on key priorities and a team that could be set up in weeks, not months. Cases like this demonstrate that adopting a flexible talent model is not only viable but also a catalyst for measurable results.

What's next: a smarter, more adaptable Fintech ecosystem.

Everything points to the future of Fintechs being hybrid in all its dimensions: in the talent models they use, in the tools they integrate and in the way they scale. Companies that want to lead the way must start preparing their structures now.

Where to start? Here are some key elements:

• Build an adaptive core team, open to external collaboration.
• Explore how AI can solve real problems in your operation.
• Select freelance profiles that combine technical skills with business acumen.

Talent exists; the challenge is to know how to identify it and integrate it in a meaningful way.

Are you thinking of making the leap to an AI-driven hybrid team? At Shakers, we can help you build it with freelancers ready to make a difference. Contact us here and tell us about your next challenge.