The reasons my financial health is less than ideal basically break down into two areas: stuff I don’t know and stuff I’m too lazy to do. So if a bank wants to fix this, they’ll need to provide me with a financial health service that combines automation and insights.

Here’s my suggestion: an individual, AI-powered virtual assistant that is “born” when I open an account. It’s sole job is to relentlessly advance my personal financial interests (almost to the point where it’s playing an adversarial role against the bank).

This assistant would be personalized to me. Its initial configuration would be set based on questions I answer during the onboarding process and it would be constantly trained based on my personal data and interactions with it. The more accounts I have, the better it gets.

The value that this assistant provides me will be so great (especially over time as the training data I provide grows) that I’ll be extremely unwilling to leave the bank because it would mean “firing” my kick-ass financial health assistant.

That’s what I want. I don’t think anyone offers this exact experience today. Is there anything out there that’s getting close @jentescher @leimer @psb_dc @rshevlin @CharleyMa @JimMarous @BrettKing ?