MFSG
MFSG’ s approach is the reverse: identify the business problem first, then assess whether AI is the right tool. Greg explains:“ We are not looking for reasons to use AI. We are looking at our business problems and then seeing how we can attack those through people, process and technology.” AI, he adds, is“ one tool in the toolkit” – not the whole answer. All current AI implementations at MFSG operate on a human in the loop basis. This means that no automated system makes a final decision without human oversight. Karina is transparent about the fact that the company has not rushed to deploy AI broadly.“ We haven’ t been bullish on just launching everything and anything,” she says.“ We’ re staying very sandbox, test first, human in the loop in all our solutions today. That will change, but only when we’ re ready and we’ ve got the right infrastructure and governance in place.”
Navigating regulation across borders Because Money Mart operates in Canada and in various US states, legal requirements have to be built market by market. A loan product, payment flow, customer disclosure or data use that works in one jurisdiction may need to be configured differently in another. That makes compliance a practical design question for legal, operations and technology, not a final review step.
Greg describes the process in practical terms. MFSG’ s legal and compliance team identifies the rules that apply in each market, then works with operations, retail and technology to turn those requirements into process, training and system logic. For Money Mart, that means compliance has to be built into how products are designed, how branches operate and how digital journeys work. Greg says:“ Compliance is key. We are in financial services, but there are also opportunities within regulatory change – and there are things that can have a negative impact to your business. You need to map that out.”
That mapping also shapes business planning. A regulatory change can affect which products Money Mart can offer, how quickly a new feature can launch, what disclosures customers see and
64 July 2026