The next banking revolution: No apps required

For Bryan Carroll, CEO of InclusionFS and builder of digital bank TNEX in Vietnam, banking apps will soon become obsolete, replaced by AI twins. He shares with us his vision for the future of banking.

I believe banking apps are living on borrowed time. Within five years, most will be irrelevant—not because people will stop needing banking, but because banking will cease to be something you ‘open’ altogether—instead, the interface will be an AI assistant.

For the past decade, consumers have been funneled into apps and super apps. Banks marketed it as convenience. In reality, it was containment. The vision of embedded finance was supposed to be seamless, contextual, and invisible.

Payments, credit, savings, and investing remain essential. But the way these services are delivered is about to change radically.