Fiat Growth Newsletter #9

Fiat’s 2025 AI Commitments. Bench Shutdown / Acquisition. The Fiat Finance Philosophy.

Happy New Year!

This special issue takes just 7 minutes to read. Short on time? Here’s the quick rundown:

• Fiat’s 2025 AI Commitments: How we’re using AI to transform growth, creativity, and fractional finance with precision and personalization.

• Bench’s Shutdown and Employer.com’s Rescue: The story of Bench’s closure and how Fiat Finance is ready to support transitioning businesses.

• Human-First, AI-Optimized: Why combining AI insights with human connections is the future of fintech success.

Happy reading!

This issue is brought to you by Fiat Finance.

Fiat’s 2025 AI Commitments

Human First. AI Optimized

86 Billion Neurons. 100 Trillion Parameters. 50 Watts. Don’t be fooled— the best model is already on your shoulders…

But even the sharpest minds can’t compete with the speed, precision, and scale of AI. Artificial intelligence is no longer a tool for experimentation—it’s the backbone of modern growth, creativity, and finance. Yet, while AI accelerates outcomes, the human element remains irreplaceable. At Fiat Growth and Fiat Finance, we’re reshaping industries with a human-first, AI-optimized approach that blends the best of both worlds.

The AI Advantage in Driving Growth, Creativity, and User Experience

In Growth Marketing: AI is redefining how we connect with audiences, enabling precise targeting, hyper-personalized campaigns, and optimized spending. Brands leveraging AI for growth strategies see a 20-30% increase in ROI and dramatically reduced acquisition costs. But tools alone don’t close deals—it’s human insight that crafts the right message, aligns it with audience intent, and delivers results.

In Creative Strategy: AI is a powerful tool for generating dynamic visuals, personalized content, and real-time campaign iterations. Companies using AI-driven creative tools report a 17% boost in engagement rates and reduce time-to-market by 50%. However, true creativity stems from understanding human emotions, cultural nuances, and brand storytelling—areas where human teams shine.

In Fractional Finance: Fiat Finance integrates AI into financial operations to uncover inefficiencies, predict cash flow trends, and deliver actionable insights. This AI-driven precision results in a 40% improvement in operational efficiency and a 15% reduction in overhead costs. Yet, scaling a business financially isn’t just about the numbers. It’s about understanding founders’ goals and providing a human touch to guide critical decisions.

Fiat Growth + Fiat Finance: Human-First, AI-Optimized

At Fiat Growth and Fiat Finance, AI enhances our ability to solve complex challenges, but human expertise is at the heart of everything we do. Together, we’re shaping the future of fintech by delivering tailored strategies that maximize growth, creative potential, and financial precision.

Our 2025 AI Commitments:

1. Growth Marketing: Deploy AI to deliver real-time personalization that ensures every user interaction is meaningful and impactful.

2. Creative Innovation: Use AI to accelerate creative iterations and campaign optimizations, while maintaining authentic brand storytelling led by human insight.

3. Fractional Finance: Build AI-driven frameworks that simplify financial planning, fundraising, and scaling decisions—all while ensuring human-to-human conversations guide every step.

Why This Approach Works

For early-stage and scaling companies, combining AI with human expertise offers the best of both worlds: agility, precision, and personalization. AI enables us to:

• Predict trends and opportunities with 90% accuracy, cutting guesswork and saving time.

• Optimize campaigns and finances for maximum efficiency, reducing costs and accelerating growth.

• Deliver real-time insights that empower quick, strategic decision-making.

  But the human layer ensures every strategy is tailored to the unique needs of our clients, fostering trust and building lasting relationships.

But the human layer ensures every strategy is tailored to the unique needs of our clients, fostering trust and building lasting relationships.

The Future of AI at Fiat Growth and Fiat Finance

AI is not just a tool—it’s a catalyst for transformation. However, it’s only as powerful as the people behind it. At Fiat Growth and Fiat Finance, we believe in a future where human ingenuity is amplified by AI, driving results that are both scalable and sustainable.

Ready to redefine what’s possible? Fiat is here to help you harness the power of AI while keeping human connection at the center of your strategy.

Work with us today. The future of fintech is human-first, AI-optimized—and it’s waiting for you.

Bench’s Shutdown and Employer.com’s Acquisition

Fiat Finance is here to help

The Fiat Finance Philosophy

AI can crunch numbers and generate insights at lightning speed, but it can’t replace the trust, empathy, and nuanced advice of a seasoned financial advisor. At Fiat Finance, our philosophy is simple: leverage AI for precision, but rely on human connection to drive outcomes.

This balance is especially critical in fractional finance, where founders often need guidance on navigating cash flow challenges, fundraising strategies, and long-term scalability. AI provides the data, but it’s the human consultative approach that transforms insights into meaningful actions.

Bench’s Shutdown and Employer.com’s Acquisition

Last week, accounting startup Bench abruptly shut down, leaving over 12,000 small business customers without access to their accounts just as tax season looms. This sudden closure created widespread uncertainty, but a last-minute acquisition by Employer.com has offered a lifeline.

Employer.com, an HR tech company specializing in payroll and onboarding, has acquired Bench for an undisclosed sum. Customers will soon receive instructions to regain access to their data and decide whether to transition their services or stay under the new ownership. Employer.com has also begun rehiring Bench employees to maintain service quality.

CEO Jesse Tinsley of Employer.com shared:

“This acquisition ensures that Bench customers can continue relying on the high-quality service they’ve always received, while also opening the door to exciting future enhancements.”

Fiat Finance Welcomes Bench Customers

While Employer.com works to restore continuity, Fiat Finance is here to support any Bench customers seeking an alternative solution. Our human-first, AI-optimized approach ensures you’ll have personalized guidance and scalable financial tools, from fractional CFO services to advanced bookkeeping.

Disruptions like these are challenging, especially on the cusp of tax season, but Fiat Finance is ready to help you navigate the transition smoothly and effectively.

Congratulations to Employer.com

We applaud Employer.com for stepping in and ensuring that Bench’s customers can regain stability during a critical time.

If you’re exploring new financial management solutions, Fiat Finance is here for you.

Contact us today to learn how we can empower your business to thrive in 2024 and beyond.

That’s all for this edition. Cheers!

Fiat Growth Team