IA ar putea da peste cap sistemul bancar. Economiștii se tem de retrageri masive din conturi

Artificial intelligence could significantly alter personal finance management, potentially leading to massive bank withdrawals. An economist warns that this shift may impact the entire financial system. AI tools could automate the transfer of savings to higher interest accounts, benefiting customers but causing banks to lose substantial funds. Torsten Slok, chief economist at Apollo Global Management, highlights the risks AI agents pose to the banking sector. In the U.S., average interest rates on current accounts are low, while some financial firms offer much higher rates. This could prompt AI to move funds automatically, raising concerns about bank stability. However, Bank of America suggests banks may develop their own AI tools to mitigate risks, as investors remain wary of AI's effects on deposits and profitability.