[joshuahutt]

Great point. I have no idea. What are your banking use cases?

For me, it's mostly information I want. I don't really need a full app for that. I want to know:

1) How much money do I have? 2) Did a check I cashed clear yet? 3) Are there any unusual charges? How is my spending this month? 4) Anything I should look into?

For actions I'd want to take:

1) Deposit check 2) Transfer money from account to account 3) Make a payment / authenticate with new EFT payee

All of that could be done conversationally, with a flexible level of detail. The data could be shown on any number of shared interfaces (messaging app, dedicated companion app, etc).

It doesn't obviate the need for software, and there are a ton of software ideas that exist today that will still be useful, as well as ideas that have yet to be discovered that will be useful. But...I expect the LOB app to go extinct in the next couple of decades.

[PodgieTar]

This sounds like hell.

Why on earth would you want that? Open the app, go to the account, enter the money with specificity, select the account to transfer it to, click the button.

Sure, being able to say "Transfer 200 to Steve" is nice and all but.. I just don't... consider it much better than the process we have today?

[theshackleford]

> Sure, being able to say "Transfer 200 to Steve" is nice and all but.. I just don't... consider it much better than the process we have today?

If I could actually do that verbally, that would be a huge improvement. Too bad it doesn’t work like that.

[joshuahutt]

Just because the process today is "good enough" doesn't mean that it's a worthwhile use of developer time to create that process.

But, you're highlighting one of the challenges of changing the status quo. The "new thing" has to be significantly better than the old, otherwise people won't immediately want to switch.

Similar arguments were probably made when the iPhone removed the physical keyboard.