🔗 Decisions and dollars

How do application companies navigate the looming competition from AI models like Claude Fable 5? In his insightful piece, Nikunj Kothari examines how businesses must evolve into data and fintech powerhouses to stay relevant in an increasingly automated world. He argues that as AI agents become the primary users of software, traditional per-seat pricing loses its value. Instead, companies must leverage the decisions agents make and the money they handle to redefine their business models. Companies like Shopify and Toast have already understood this imperative, successfully integrating payment solutions into their offerings. Kothari emphasizes that the future of application companies lies in their ability to guard essential knowledge and financial data—creating a moat that can withstand competition from advanced AI. This discussion is a must-read for anyone interested in the intersection of AI, business strategy, and financial technology.