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I built a fintech app and want to add AI features. Do you have any suggestions?

I genuinely want someone to tell in detail , how new Fintech startup's can raise funds if they don't have any prior connections as it's just kind of getting hard to understand and find the right investor and vc for funding. obviously I am the one in

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For someone with no prior work experience but a unique idea for a product or service, what would you recommend as the first steps to turn their idea into reality?