With the artificial intelligence (AI) craze at an all-time high these days, investors are looking for ways to get exposure to this new technology. A company like Upstart (NASDAQ: UPST), which has developed a disruptive AI-powered lending service, might be on your radar right now.

If you're an investor looking to add shares of Upstart to your portfolio, however, you should think twice. It's better to buy (NASDAQ: PYPL), a magnificent fintech stock, instead. Here's why.

Upstart provides its technology to banks and credit unions, which use the platform to better analyze the creditworthiness of borrowers. The business earns fees anytime its system helps to originate loans. Since its founding in 2012, Upstart has approved $35 billion of loan volume.

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Source Fool.com