With the advent of vibe coding, development and creating usable products has become accessible to everyone. You no longer need years of experience or to even know how to write Python to build useful software. Launch Claude, describe what you want, and get started.
This democratisation of software creation has opened the floodgates. Anyone with a laptop and a dream can build an app, launch a website, automate workflows or test a business idea. It has also 10x-ed the output of any software developer. A small team can now build what once required an entire engineering department. Liminal itself was built by three engineers in six months.
We believe that this same wave of access and distribution is coming for finance. For too long real financial guidance has been reserved for the wealthy. If you had enough money, you got a private banker, a wealth manager, or an adviser whose job was to help you to grow that money. Everyone else was left to figure it out alone. The advent of AI changes that. In the same way that vibe coding democratised software development, vibe banking will democratise wealth creation.
Neobanking brought digitalisation and accessibility via your phone; you no longer needed to navigate clunky online banking websites just to send money to a friend, or visit a branch to deposit cheques. Neobanking gives you all of the access but none of the guidance, knowledge or incentive to build wealth.
If anything, modern finance has arguably become harder to manage. In the age of pay-later, credit cards, cashback schemes, subscriptions, intimidating investment platforms and endless financial products, keeping tabs on your finances is a full time job in itself. Let alone knowing where to start. Additionally, financial literacy in the UK is shockingly poor with 71% of adults not knowing how a savings account works. It's no surprise that despite having access to all of these flashy financial tools, people still find themselves creating destructive financial habits with no idea of how to achieve the outcomes they desire.
This is where agents are life-changing. Agents will not only speak to you and give you financial advice, they will act on it for you. Rather than simply recommending a savings account or suggesting an investment, agents will move money on your behalf, optimise your savings, invest according to your goals, monitor your portfolio and execute decisions for you. Not as a single assistant, but as a team of specialised agents working in the background, replacing entire management teams.
Finance is inherently intent-based and has measurable objective outcomes, which makes it perfect for AI. As much as we are all sick of AI-ification, finance is where it will shine, not in dating apps or restaurant choices as advertised because these are subjective. AI can't know who you will fall in love with but it does know how to save £50K for a house deposit. Ultimately, nobody wakes up wanting an ISA, an ETF or a high-yield savings account. They want to buy a home, retire comfortably, move abroad, start a business or build financial security.
Vibe banking starts with those goals and simply speaks to you about them. Instead of you having to learn financial jargon, read countless blogs comparing accounts, and navigate intimidating stock trading apps, you simply tell the agent what you want to achieve and share your finances with it. The agent will figure out how to achieve it. Vibe banking offers all of the personability and quality service that comes with having personal advisors, but none of the price. There is no question too silly for an AI agent and no minimum account size.
Today's finance is reactive, tomorrow's is proactive. Agents could notice that you have a little extra left over in your account every month and invest it for you and they can see the subscriptions you're paying and not using and cancel them for you. Managing your finances will become easier, more productive and less of a mental load.