Although, Chase was probably a bad example of a bank software to replace. It's actually pretty nice. Bank of America's site is so crap you might have a stronger argument.
Regardless of the convenience of mobile over web, it is still a multiple step process that requires several presses/clicks, screen loading icons, scrolling up and down the page, getting bombarded with calls to action, promotions, etc.
As we gaze into the future of digital banking, it’s clear that the next logical step is to incorporate functionalities such as trading stocks, dabbling in cryptocurrencies like Bitcoin, and even applying for loans, all within the same natural language interface.
Confirmations will obviously be a requirement, just like they are in traditional UIs.
"Hey Siri, what's my credit card balance?"
"Your current credit card balance is 40.32"
"Pay the full balance on my credit card using my checking account"
That flow seems much simpler. It's also hands free.
1) Bank UIs are garbage 2) I would never trust an LLM to touch my money
So people can try to make it do whatever; the banking backend logic won’t execute it, so it doesn’t matter. The user will just be wasting their own time.
Until of course neo-neo-web3-gpt-banks pop up that are ‘built up from the ground with ai’. But those will fail regulatory before they launch anyway.
But I personally do not want a chat interface. I find communicating with a computer via natural language to be more cumbersome than using a decent traditional interface. Perhaps some banks have worse interfaces than others, but I'm happy with what I have now.
If others want a chat interface, then great! Hopefully it can be an addition rather than a replacement.