Bunq, the Dutch neobank, has recently launched Finn, its proprietary generative AI platform, aiming to revolutionise user interactions with their finances by offering personalised advice on spending, saving, and financial planning. Functioning as an advisor, Finn employs a conversational AI interface reminiscent of OpenAI’s ChatGPT.
This innovative step by Bunq signifies a significant advancement in banking technology, challenging the conventional norms of digital banking. With an impressive user base of 11 million in the European Union and a remarkable 55 percent growth in user deposits, reaching €7 billion since July 2023, Bunq’s strategic shift towards an AI-centric model reflects its forward-thinking approach.
Ali Niknam, the founder and CEO of Bunq, enthusiastically expresses his optimism for Finn, stating, “Years of AI innovation, combined with a laser focus on our users, allowed us to completely transform banking as you know it.” According to Niknam, this transformation promises an “incredibly exciting” future for Bunq’s clientele.
Finn is positioned to replace the traditional search function within the Bunq app, offering a more intuitive and interactive experience. Users can now inquire about various financial aspects, from transaction history to personalised advice, receiving responses that surpass the capabilities of standard banking apps. For instance, questions about average monthly grocery expenditures or year-to-date spending at a specific retailer can be promptly and accurately addressed, leveraging the capabilities of large language models (LLMs).
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