The next major AI battleground is personal finance. OpenAI has launched a new financial dashboard experience inside ChatGPT that allows users to securely connect accounts, monitor spending patterns, and ask AI questions grounded in their actual financial data. This matters because it signals a much larger transition already underway: The interface layer of finance is beginning to move from traditional banking apps toward AI-native systems. For decades, people interacted with money through spreadsheets, bank portals, and static dashboards. Now the interaction becomes conversational. Instead of searching through transactions manually, people will increasingly ask: “Why did I overspend this month?” “How much can I safely invest?” “What subscriptions are quietly draining cash flow?” “What happens if rates stay high for another year?” The long-term implication is enormous. The companies that control the AI layer may eventually control how people understand, navigate, and make decis...