The main objective of this VMG is to get a better understanding of the challenges and opportunities posed by the adoption of Artificial Intelligence algorithms into the industry, from double perspective regulatory and technical. Secondly, it aims to open a platform for discussing hot topics like centralized versus decentralized blockchain use in the Fintech industry, explain ability of AI models, risk assessment tools in the lending sector. Thirdly, it wants to bring together researchers, regulators and industry at same table to tackle the subjects presented beforehand. The most important expected output and deliverable will be a report assessing the state-of-the-art of the challenges encountered by Fintech innovation to its way to industry and market. This report will highlight the problems and solutions identified regarding centralized versus decentralized blockchain use in the Fintech industry, explain ability of AI models, risk assessment tools in the lending sector from both a regulatory and a technical perspective. The research and the output report are important pieces in the CA19130’s strategy to engage stakeholders, as they address all the actions mentioned in this strategy. Additionally, they tackle the main purpose of the strategy – “to involve them directly in papers and research on the topics covered by the Action”.