TLDR Tech / Fintech
The Primary Banking Agent
Primary banking used to mean physical proximity, then digital convenience. Trust is the new axis, and AI is what's driving that shift. Consumers now hold ~3 accounts each and move money more often, opening room for an AI "Primary Banking Agent" (like ChatGPT) to orchestrate funds across institutions. AI labs won't want the regulatory/accountability burden of actually holding money, so the bet is that whoever offers both the account and the agent, transparently, wins.
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