Analysts argued neobanks mostly moved the branch to a phone. The next model — AI-native or post-neobank banking — centers credit decisions, fraud monitoring, and service on controlled, auditable agents.

Ask vendors about the agent control plane, audit trail, and dual control for payments. If you only see chat on an app, it is not yet a banking operations layer.

The LLM risk with money is not a wrong sentence; it is an irreversible action without a fence. Keep autonomy low until dual control exists.

For Iranian financial institutions, ask compliance and data location before UI polish; fines and downtime cost more than UX scores.

Manager action: Ask vendors where the agent control plane, audit trail, and payment dual-control are; do not accept chat-in-app alone.