Money × Internet Culture
AI, payments, subscriptions, digital banking and Gen Z behavior. Two new stories a week.
What happens when your banking app starts trying to replace five other apps on your phone? The account is quietly turning into a dashboard for everyday life.
Would you give an AI access to your card if it saved you €70 every month? Research suggests consumers are wary — which makes autonomous payments a trust problem long before it's a tech problem.
What if the next Gen Z bank isn't a bank app at all? With P2P payments built directly into a social platform, the account starts to look like a feature of somewhere you already spend your day.
Zelle research found that 76% of Gen Z respondents who fronted money for group expenses did not always get fully repaid. The money moves in seconds — the asking is what's broken.
Are we heading toward a world where you own less — and subscribe to everything? Financing a phone feels normal now. That normality is the interesting part.