Product managers in fintech can now rapidly prototype product ideas using AI-enabled development platforms like Replit, combined with Plaid's APIs, to create functional demos in as little as 30 minutes. This approach allows PMs to independently validate ideas, test integrations, and gather real-world feedback without relying heavily on engineering resources. Replit's browser-based IDE, with built-in AI support, enables the development of code-light applications, while Plaid offers developer-friendly documentation and a test environment that closely simulates real bank interactions. A case study from Wholesail illustrates this process, where they used Replit and Plaid to prototype a Plaid-powered integration, allowing them to make quicker product decisions and receive valuable feedback from both stakeholders and customers. This method not only accelerates the alignment of product ideas but also enhances the ability to test hypotheses with realistic data, ensuring more informed decision-making and product development.