99% of all AI today is black-boxed — you don’t know how results are generated. Meanwhile, a startup called Cognifiber is turning optical fibers into processors that could accelerate AI inference by 1,000x while cutting power consumption by 8,000x. This panel brings together an AI prediction company, a photonic computing startup, a data interoperability firm, and Microsoft to debate how AI is rewiring financial services from risk assessment to fraud detection.─────────────────────────────WHAT THIS PANEL COVERS→ How AxonJ uses hybrid reinforcement learning and real-time signals — like website changes or stopped TikTok campaigns — to predict company risk 40% more accurately than balance-sheet models alone→ Why Cognifiber’s fiber-optic processors could shrink city-sized data centers to a single building while democratizing AI access→ How MMC Convert helps banks find “invisible creditworthy” people through utility bill patterns and psychometric AI models→ Microsoft’s perspective on multi-agent orchestration, low-code platforms, and why the dollar-per-token cost is actually falling→ The centralized vs. decentralized debate: why on-premises AI uses up to 80% less electricity and drives democratization─────────────────────────────PANELISTS🎙 Robin — Moderator🎙 Jean-Philippe (JP) — Founder & CEO, AxonJ🎙 Eyal — Founder, Cognifiber🎙 Shanu — Founder, MMC Convert🎙 Ujjwal Kumar — Principal Architect, Office of the CTO, Microsoft─────────────────────────────unDavos is a community-driven summit running during WEF week in Davos, democratizing the conversation around global challenges.🌐 undavos.com─────────────────────────────Tags: AI financial services, fintech, agentic AI, photonic computing, data interoperability, risk prediction, fraud detection, Microsoft, decentralized AI, energy consumption, machine learning, reinforcement learning, banking, insurance, data centers, AI governance, enterprise AI, unDavos, Davos 2026, WEF---TRANSCRIPTReWire is about reimagining, reinventing the enterprise using the zeitgeist technology of the moment, AI. We have enterprises at various stage of adoption. Each one of our panelists is helping to facilitate this disruption, but then also is adopting AI in their own enterprise. As we go down, I'd love for you to meet everyone and have them introduce themselves to you. This is Jean-Philippe. If you see him out and about, you can call him JP. We're not quite in the right order, but he's the founder and CEO of AxonJ. Do you want to tell us about where you are in your AI journey and how you're helping to contribute to the transformation of the world? Thank you. So, yes, I'm Jean-Philippe. And four years ago, I started a journey. I started an AI company, so before the AI wave, even, but my background is in data. I had a company before that I sold, a big data company that I sold to, to Bradstreet. And this is actually my third project that I'm launching. And meanwhile, we have offices around the world and we have customers like SAP, et cetera, and HP. And what we're doing is we're predicting company behavior in the real time based on reinforcement learning and different types of learning. We call it hybrid learning. And the thing is that I believe in transparency in AI. So I believe that we predict using signals in real time, that behavior, and showing what signals has what weight in the algorithm. So you can act upon that, whatever you're doing. So we're predicting risk, we're predicting cash flows, and we're predicting how companies are behaving. And here we have Eyal, he is not from NVIDIA, but he's actually an NVIDIA disruptor. He did not slip something in Dr. Unger's drink last night, but he's here to tell us about his company, Cognifiber. Hi all, thank you for coming and thank you for having me. So in Cognifiber, we do a very simple thing. We take optical fibers and we turn them into processors. Now take a second, there are a lot of fibers, high speed data. Now if each of the fibers be