Forrester argues that Apple's revamped Siri, which answers questions using a person's own information, will intercept the routine balance checks and spending questions that banks use to build customer relationships. It cites its own consumer research showing nearly a quarter of consumers already ask third-party AI assistants personal finance questions. The recommendation is to integrate with such assistants while building bank tools that give advice and take action, such as extending credit or moving money, which Siri cannot do.

• nearly 1 in 4 consumers have used a third-party AI assistant for personal finance questions

• forrester.com2026-08-05