Imagine a virtual angel on your shoulder, guiding you away from impulse buys and strengthening your financial resolve. Whenever you’re tempted to spring for another round of drinks or to take advantage of a Topshop sale, your AI buddy might ping you to ask whether you really want to do that.
Perhaps it will remind you that you’re still a few thousand pounds away from having the down payment for a mortgage, or that you’re two grand over budget for your wedding. The decision to spend or not spend would still be yours. But AI could serve as a wise counsellor when you most need the help of one.