"Welcome to a special 4dFi podcast exploring the latest trends and technologies reshaping finance. I'm Zack Miller, Tearsheet's Editor in Chief. Today, we're unpacking the rise of AI agents and their potential to transform how consumers interact with financial services. I'm joined by my partners Russell Weiss, an AI expert and startup builder, and Josh Liggett, a seasoned fintech investor. Together, we'll bring a multidimensional view to this complex space."
"Will they invest billions in proprietary AI models, or cede ground to big tech and infrastructure players increasingly embedding financial services? We don't have all the answers but want to open up with good questions and thinking about where things are heading. We'll also explore how the evolution of AI agents could intersect with web3, crypto, and asset tokenization to enable digital transactions."
"The shift is already happening Customer behavior is changing fast: Web traffic down 20-30% as users start with AI chatbots instead of Google or bank websites AI agents (ChatGPT, Claude) are becoming the "super apps" the US market has long sought Users expect natural conversation, not clicking through 40 steps to get a loan Real example: Capital One's Chat Concierge (launched early 2025) connects 12,500 dealer sites, letting customers schedule test drives and arrange financing-all starting from"
AI agents are changing how consumers access financial services by offering natural conversational interfaces that reduce reliance on search and bank websites. Web traffic to bank sites is declining as users begin interactions with chatbots and agent platforms. AI-driven tools like Capital One's Chat Concierge automate tasks across dealer sites and have increased customer engagement significantly. Banks face strategic choices between investing heavily in proprietary AI models or partnering with large technology and infrastructure providers embedding financial services. AI agents may intersect with web3, crypto, and tokenization to enable digital transactions and new product experiences. Customer expectations now favor immediate, conversational solutions over complex online workflows.
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