Learn the money concepts behind Bank AI
Short, honest explainers on the ideas that matter when you connect every account and let an AI help you act on the picture. No jargon, no hype, no promises about returns.
Concepts, explained
- Concept
What is auto-investing?
Money invested automatically on a schedule or rule - what it is, and what it is not.
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What is execution-only investing?
A provider carries out the trade you decide on - no advice, no discretion.
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What is fractional investing?
Buy a slice of a share or fund instead of a whole unit - invest by money, not by units.
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What is open banking / AISP?
Securely share your bank data with regulated providers under PSD2 - read-only, with your consent.
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Robo-advisor vs an AI money app
One manages a portfolio for you; the other helps you act while you stay in control.
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What "you approve every move" means
Nothing happens to your money without your explicit, per-action go-ahead.
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How an AI decides what you can spare
Reading real income, bills and spending to estimate a safe amount - buffers left intact.
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Investing your spare money safely
Cover essentials and a buffer first, diversify, invest only what you can spare - and stay in control.
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What is net-worth aggregation?
Every account in one view - total assets minus liabilities, kept up to date, read-only.
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Round-ups vs spare-money investing
Small change per purchase vs investing what you can genuinely afford - the honest difference.
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See your whole financial picture
Bank AI connects every account today, read-only, through licensed open-banking partners. Available on iOS.
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