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In the age of AI, cash holdings still matter more than apps

A Wall Street Journal Markets analysis argues competition for deposits is intensifying, and technology is reshaping how banks and providers vie for customer cash.

Reported · Written up by our desk · Sectors

In an analysis for WSJ Markets, the publication argues that even as AI-driven technology spreads through finance, cash remains a central priority for both customers and financial institutions.

The article says technological change is increasing competition for deposits in ways that go beyond traditional banking features.

It frames the shift as part of a broader contest for customer balances, with AI-era tools and services raising pressure on how deposit gathering and retention are done.

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