Subscribe
Logo
Logo
  • Topics Icon Topics
    • AI Icon AI
    • Banking Icon Banking
    • Blockchain/DeFi Icon Blockchain/DeFi
    • Embedded Finance Icon Embedded Finance
    • Fraud/Identity Icon Fraud/Identity
    • Investing Icon Investing
    • Lending Icon Lending
    • Payments Icon Payments
    • Regulation Icon Regulation
    • Startups Icon Startups
  • Podcasts Icon Podcasts
  • Products Icon Products
    • Webinars Icon Webinars
    • White Papers Icon White Papers
  • TechWire Icon TechWire
  • Search
  • Subscribe
Reading
How Are Startups Spending on AI?
ShareTweet
Home
AI
How Are Startups Spending on AI?

How Are Startups Spending on AI?

Fintech Nexus Staff·
Popular
·Oct. 8, 2025·1 min read

Where are startup dollars going? A16z just released a new report tracking the top 50 AI-native apps by actual startup spend, based on data from 200,000+ customers of Mercury, a fintech providing banking services. 

The takeaway is that “not only is AI augmenting employees in specific roles (‘AI for patent lawyers’), it’s turning specific roles into broadly deployed skills across a company (everyone can be a creative now!)”

A few themes stood out:

  • 60% of the top spenders are horizontal tools. These include OpenAI, Anthropic, and Perplexity — no surprise there — but also workspaces like Notion, notetakers, creative tools, and vibe coding platforms. What’s most interesting here is there doesn’t yet seem to be a “winner takes all” dynamic emerging, and that “creative” and “coding” have been popularized across roles. 
  • Verticals are coming up fast, particularly in customer service, sales, and recruiting. Sometimes, they augment teams; sometimes, they replace them entirely. New startups might opt to “hire AI” in lieu of lengthy contracts with lawyers and accountants.
  • Vibe coding has enterprise chops. Platforms like Replit, Cursor, Lovable, and Emergent aren’t just side projects anymore — they’re infrastructure. Adoption is growing among enterprises for tools capable of launching fully functional agents (e.g., Replit) and among consumers for tools with friendly UI (e.g., Lovable).
  • Many products that started as consumer apps are getting pulled into orgs, in part due to how powerful they are and also due to the scramble to boost employee efficiency. Bottoms-up adoption is alive and well in the AI age.

Today, we dive into how venture capital, one industry that’s long placed its bets on AI, is adopting the technology in its own workflows.

How is your organization adopting AI? Send us a note at [email protected] to be considered for a Q&A.

—The Editors

  • Fintech Nexus Staff
    Fintech Nexus Staff

    This piece was created by one of our content team members. Reach us at [email protected]

    View all posts
Tags
A16z AI reportAI in creative workflowsAI startup spendingAI-native appsAnthropicCursor AIenterprise AI adoptionhorizontal AI toolsMercury fintechOpenAIPerplexity AIReplitvertical AI adoption
Related

10 Investor Predictions for AI and Data in 2026

The AI ‘Workslop’ Crisis: Costs and Cures of the Automation Rush

From Inspiration to Action: Stefan Weitz and the Rise of HumanX

Receipts, Robots, and the Claude Financial Data Coup

Popular Posts

Today:

  • Santiago SuarezInside Addi’s mission to build a fairer financial system in Colombia Feb. 19, 2026
  • The Cost of Severe WeatherDOGE Insurance Redux: Risk-pricing like it’s 1780? Apr. 3, 2025
  • 2026 FintechWhat does 2026 hold for Fintech?  Jan. 29, 2026
  • July 30th FN AI articleThe AI-Powered Ad Machine Jul. 30, 2025
  • 2026 Investor Predictions for AI and Data10 Investor Predictions for AI and Data in 2026 Dec. 17, 2025
  • Diya JollyXero’s Jolly on building a tech roadmap to level playing field for small businesses Jan. 14, 2026
  • Copy of Fintech Nexus – Newsletter CreativeWhy PDF Table Extraction Fails in Production—and What Banks Need to Do About It Feb. 5, 2026
  • FNThe Bank Charter Gold Rush: What’s Really Happening and What it Means for Banking Feb. 12, 2026

This month:

  • Copy of Fintech Nexus – Newsletter Creative (1)Unpacking PayPal’s Missed Moment: 7 Takeaways Feb. 5, 2026
  • FNThe Bank Charter Gold Rush: What’s Really Happening and What it Means for Banking Feb. 12, 2026
  • Santiago SuarezInside Addi’s mission to build a fairer financial system in Colombia Feb. 19, 2026
  • 2026 FintechWhat does 2026 hold for Fintech?  Jan. 29, 2026
  • Copy of Fintech Nexus – Newsletter CreativeWhy PDF Table Extraction Fails in Production—and What Banks Need to Do About It Feb. 5, 2026
  • The Unintended Consequences of the BaaS CrackdownThe Unintended Consequences of the BaaS Crackdown Apr. 10, 2025
  • Jeff Radke AccelerantAs Accelerant IPOs on NYSE, CEO Jeff Radke Hopes to Usher In Insurtech 3.0 Jul. 24, 2025
  • 2026 Investor Predictions for AI and Data10 Investor Predictions for AI and Data in 2026 Dec. 17, 2025
  • FNThe Credit Building Boom: Innovation or Score Manipulation? Jan. 8, 2026
  • Chris Taylor Fractional AIFractional AI’s CEO Chris Taylor on Scaling the Unscalable Jul. 23, 2025

More News
  • About
  • Contact
  • Disclaimer
  • Privacy Policy
  • Terms
Subscribe
Copyright © 2026 Fintech Nexus
  • Topics
    • AI
    • Banking
    • Blockchain/DeFi
    • Embedded Finance
    • Fraud/Identity
    • Investing
    • Lending
    • Payments
    • Regulation
    • Startups
  • Podcasts
  • Products
    • Webinars
    • White Papers
  • TechWire
  • Contact Us
Start typing to see results or hit ESC to close
lis digital banking USA Lending Club UK
See all results