475) Your next banking app is ChatGPT

1h02 | 01/26/2026

Description

In this episode, I walk through a prototype that explores what I believe is the next major shift in banking: AI-first banking experiences built directly inside tools like ChatGPT. Instead of navigating complex apps and menus, you simply tell an AI what you want to do and it handles the work for you.

Joined by my co-founder, Ryan Harmon, I demonstrate how a ChatGPT-based banking app could open accounts, move money between accounts, analyze transactions, and provide personalized financial insights all through natural language and lightweight UI components.

We also discuss why AI-first banking is fundamentally different from traditional UI-based apps, what this means for user experience design, and why this shift is closer than most people realize. If you want to understand how AI agents could transform personal finance, budgeting, and everyday banking tasks, this episode is one you’ll want to watch- especially the demo.

00:00 Introduction and overview of AI-first banking

01:00 Setting up a banking prototype inside ChatGPT

02:30 Viewing accounts and balances inside the chat interface

04:00 Opening a new savings account with natural language

06:00 Confirmations, approvals, and human-in-the-loop controls

08:00 Why minimal UI works better with AI agents

10:30 Envelope budgeting and real-world banking pain points

13:00 Why traditional banking apps fall short

15:00 Executing multiple transfers with a single command

18:00 AI vs. UI-based banking experiences

21:00 Analyzing transactions and spending behavior

24:00 Why most people don’t budget and how AI changes that

27:00 AI agents as proactive financial assistants

31:00 Finding savings opportunities automatically

35:00 Subscription management, negotiation, and optimization

38:00 The future of AI agents managing money

41:00 Real examples already appearing in ChatGPT (Ramp, Stripe)

45:00 Why banking apps are coming to ChatGPT

48:00 What needs to happen for this to become real

52:00 Final thoughts on the future of AI-first banking

Hosted on Ausha. See ausha.co/privacy-policy for more information.

About Banking on Digital Growth

If you’re part of a financial brand marketing, sales, or leadership team, you know the entire industry is in the midst of exponential change fueled by new technologies. Consumers now make purchase decisions long before they walk into a physical branch location, if they walk into a branch at all, while mobile banks, digital lenders, and fintechs have transformed traditional growth models rooted in legacy broadcast marketing and branch sales strategies.Get ready to gain practical insights, proven ideas, and empowering inspiration as financial brand marketing and sales leaders, along with the leading digital marketing and sales technology firms, share their stories to help you maximize your digital growth potential here on Banking on Digital Growth.

Hosted on Ausha. See ausha.co/privacy-policy for more information.

About Banking on Digital Growth

If you’re part of a financial brand marketing, sales, or leadership team, you know the entire industry is in the midst of exponential change fueled by new technologies. Consumers now make purchase decisions long before they walk into a physical branch location, if they walk into a branch at all, while mobile banks, digital lenders, and fintechs have transformed traditional growth models rooted in legacy broadcast marketing and branch sales strategies.Get ready to gain practical insights, proven ideas, and empowering inspiration as financial brand marketing and sales leaders, along with the leading digital marketing and sales technology firms, share their stories to help you maximize your digital growth potential here on Banking on Digital Growth.

Hosted on Ausha. See ausha.co/privacy-policy for more information.

Description

In this episode, I walk through a prototype that explores what I believe is the next major shift in banking: AI-first banking experiences built directly inside tools like ChatGPT. Instead of navigating complex apps and menus, you simply tell an AI what you want to do and it handles the work for you.

Joined by my co-founder, Ryan Harmon, I demonstrate how a ChatGPT-based banking app could open accounts, move money between accounts, analyze transactions, and provide personalized financial insights all through natural language and lightweight UI components.

We also discuss why AI-first banking is fundamentally different from traditional UI-based apps, what this means for user experience design, and why this shift is closer than most people realize. If you want to understand how AI agents could transform personal finance, budgeting, and everyday banking tasks, this episode is one you’ll want to watch- especially the demo.

00:00 Introduction and overview of AI-first banking

01:00 Setting up a banking prototype inside ChatGPT

02:30 Viewing accounts and balances inside the chat interface

04:00 Opening a new savings account with natural language

06:00 Confirmations, approvals, and human-in-the-loop controls

08:00 Why minimal UI works better with AI agents

10:30 Envelope budgeting and real-world banking pain points

13:00 Why traditional banking apps fall short

15:00 Executing multiple transfers with a single command

18:00 AI vs. UI-based banking experiences

21:00 Analyzing transactions and spending behavior

24:00 Why most people don’t budget and how AI changes that

27:00 AI agents as proactive financial assistants

31:00 Finding savings opportunities automatically

35:00 Subscription management, negotiation, and optimization

38:00 The future of AI agents managing money

41:00 Real examples already appearing in ChatGPT (Ramp, Stripe)

45:00 Why banking apps are coming to ChatGPT

48:00 What needs to happen for this to become real

52:00 Final thoughts on the future of AI-first banking

Hosted on Ausha. See ausha.co/privacy-policy for more information.

About Banking on Digital Growth

If you’re part of a financial brand marketing, sales, or leadership team, you know the entire industry is in the midst of exponential change fueled by new technologies. Consumers now make purchase decisions long before they walk into a physical branch location, if they walk into a branch at all, while mobile banks, digital lenders, and fintechs have transformed traditional growth models rooted in legacy broadcast marketing and branch sales strategies.Get ready to gain practical insights, proven ideas, and empowering inspiration as financial brand marketing and sales leaders, along with the leading digital marketing and sales technology firms, share their stories to help you maximize your digital growth potential here on Banking on Digital Growth.

Hosted on Ausha. See ausha.co/privacy-policy for more information.

About Banking on Digital Growth

If you’re part of a financial brand marketing, sales, or leadership team, you know the entire industry is in the midst of exponential change fueled by new technologies. Consumers now make purchase decisions long before they walk into a physical branch location, if they walk into a branch at all, while mobile banks, digital lenders, and fintechs have transformed traditional growth models rooted in legacy broadcast marketing and branch sales strategies.Get ready to gain practical insights, proven ideas, and empowering inspiration as financial brand marketing and sales leaders, along with the leading digital marketing and sales technology firms, share their stories to help you maximize your digital growth potential here on Banking on Digital Growth.

Hosted on Ausha. See ausha.co/privacy-policy for more information.

Share

Embed