Die Algorithmische Bank: Personalisierte Finanzen im Jahr 2044

By 2044, centralized banking as we know it will be largely obsolete, replaced by sophisticated, AI-driven personalized financial management systems. These systems, integrated seamlessly into individuals’ daily lives, will dynamically optimize investments, manage spending, and provide hyper-personalized financial advice based on real-time data analysis and predictive modeling, effectively eliminating the need for traditional banking intermediaries for most individuals. The legacy of traditional finance will be primarily found in the highly regulated realm of large-scale institutional transactions.