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Letter from the Editor: Finance is becoming ambient infrastructure underneath everything, but what are we giving up

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Letter from the Editor: Finance is becoming ambient infrastructure underneath everything, but what are we giving up - Financial services are moving from a request-response model to an always on continuously interpreting background layer. - As finance moves into AI based systems, a new struggle is emerging: banks own the accounts, fintechs own the experiences, but AI systems are positioning themsel...
The narrative presented here is a compelling steelman of the ambient finance thesis: AI is not just automating transactions but becoming the interpretive layer through which all financial activity flows. This is a significant evolution from embedded finance, where financial functions were distributed across workflows, to a model where AI systems continuously contextualize and anticipate user needs. The strongest version of this argument acknowledges the potential for greater financial clarity an...