Checking accounts have become paycheck motels--and they're on their way to extinction.
), but everyone seems to think that AI and machine learning hold the keys to making this a reality.
And it’s another reason why the Visa acquisition of Plaid is so important. The realization of this vision requires integration with merchants and other non-financial services players. Can FDX accomplish that?Remember our discussion at the beginning of the year aboutChecking accounts’ moat is the paycheck. As long paychecks can’t be deposited directly into a mobile wallet, checking accounts will fight off extinction.
The larger tech vendors will acquire these smaller vendors to help accelerate the growth of the new service. As their client banks and credit unions have broader and easier access to this service, consumer adoption will accelerate.
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