Nik Finance Founder Amir Nikibin Disrupts the Finance Industry on Ticker News with AI-Powered Lending Solutions

In a groundbreaking interview on Ticker News, Amir Nikibin, founder of Nik Finance, shared his vision for disrupting the finance industry with AI-powered lending solutions. Known for delivering smarter, faster, and more transparent lending options to Australians, Nik Finance is setting the stage for the future of finance.

Breaking Down the Old, Outdated Loan Processes

In his appearance, Amir reflected on the traditional loan processes that have long been a pain point for borrowers across Australia. For decades, applying for loans has been an inefficient and time-consuming task, bogged down by paperwork, endless back-and-forth with brokers, and delayed approvals.

Amir, who’s been in the industry since high school, shared his firsthand experience of how the system worked in the past. "When I first entered the industry, the process was incredibly manual," he explained. "Documents had to be scanned, verified by multiple people, and passed through a long, drawn-out chain. It was a far cry from the instant, data-driven solutions people expect today."

How Nik Finance is Changing the Game with AI

With the digitalisation of certain loan processes, such as ID verification and e-signing, Amir and the team at Nik Finance realised that there was still a gap. While some elements of the process had become faster, the most significant delays were still happening with brokers.

This is where Nik Finance’s AI-powered technology steps in. Unlike traditional brokers who spend hours—or even days—sifting through hundreds of lender policies, Nik Finance’s AI matches clients with the right lender in seconds. The AI is trained to understand over 50 lenders’ credit policies, which allows it to instantly identify the best match based on a client’s unique profile.

"AI doesn’t just match you to a lender; it matches you to the right loan," Amir said. "This technology doesn’t just save clients time—it helps them get better deals, faster approvals, and a more transparent lending experience."

Real-World Impact: Faster Approvals and Better Deals

One of the most striking aspects of Amir’s discussion was the real-world impact of AI in the lending process. He shared the impressive results that clients are seeing with Nik Finance’s AI-driven system.

"In some cases, we’ve had clients approved and settled in as little as 14 minutes for a car loan. Compare that to traditional brokers, who might take weeks to get approval, especially for home loan refinancing, where every day counts," Amir explained.

The efficiency of Nik Finance’s AI system not only saves clients valuable time but also ensures they’re getting the most competitive loan rates available. By removing human bias and guesswork, Nik Finance helps clients save thousands of dollars over the term of their loan.

The Future of Finance: A Tech-Driven Landscape

Amir also shared his perspective on the future of finance. While many industries have already seen the benefits of AI, like marketing and customer service, finance is next on the list for a transformation. He predicts that the role of AI will only grow in the coming years, revolutionising the way Australians access credit.

"In five to ten years, the loan process will be seamless. AI will handle everything from initial inquiries to loan matching and even customer service," Amir said. "At Nik Finance, we’re leading this shift. We see AI as the future of finance, offering Australians a smarter, faster, and more transparent way to access the credit they need."

Taking Control of Your Financial Future

For anyone watching the interview and interested in learning more, Amir encouraged viewers to visit www.nik.finance. There, Australians can experience firsthand how the power of AI can streamline the loan application process and match them with the best financial solutions in just minutes.