The Algorithmic Bank Manager: Personalized Finance, Decentralized Control

Within the next 15 years, hyper-personalized financial management will become the norm, driven by AI-powered algorithms that anticipate individual needs and proactively manage assets across diverse platforms, including decentralized finance (DeFi) ecosystems. This will lead to a significant erosion of traditional banking’s intermediary role, empowering individuals with unprecedented control over their financial lives while simultaneously raising crucial questions about data privacy and algorithmic bias.